Find Casey 2022 April Edition by Find

Casey The

APRIL 2022

WHAT’S INSIDE:

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

CASEY COUNCIL NEWS

NOT-FOR-PROFIT EVENTS & ARTICLES

FIND FAITH

FIND BIRTH, DEATHS & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER CASEY

CRAIG ANDERSON General Insurance 0418 300 096

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COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

WARREN STRYBOSCH

GENERAL INSURANCE

LACTATION CONSULTANT

CRAIG ANDERSON

JOANNA STRYBOSCH

SALLY HIGOE

AUTO MECHANIC

BOOKKEEPER

HAIRDRESSER

PARAMEDIC

Are you our next Auto Mechanic?

Are you our next Bookkeeper?

Are you our next Hairdresser?

Are you our next Paramedic?

LAWYER

ENGINEER

PHARMACIST

SOLICITOR

Are you our next Lawyer?

Are you our next Engineer?

Are you our next Pharmacist?

Are you our next Solicitor?

WEB DEVELOPER

PHYSICIAN

VETERINARIAN

MARKETING

Are you our next Physician?

Are you our next Veterinarian?

Are you our next Marketer?

Are you our next Web Developer?

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

Casey

OUR NEWSPAPER The Find Casey was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Casey has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS CASEY

The City of Casey is a loacl government area in Victoria, Australia in the eastern suburbs of Melbourne. Casey had a population of approximately 340,419 as at the 2019 Report which includes 24,279 business and close to 122,206 households. The City of Casey was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

ACKNOWLEDGEMENT The Find Casey acknowledge the Traditional Owners of the lands where Casey now stands, the Wurundjeri 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 Casey accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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NEXT ISSUE Next Issue of the Find Casey will be published on Friday April 8, 2022. Advertising and Editorial copy closes Friday April 1, 2022.

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About the Find Casey By Warren Strybosch

The Find Casey is a community paper that aims to support all things Casey. We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Casey for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findcaseyshire) so you keep up to date with what we are doing. We value your support, The Find Casey Team.

COVID-19 $450 payments to cease. By Warren Strybosch

The Andrew’s government will cease paying the $450 payment to Victorians whilst they await their PCR test results, as rapid swabs make the system obsolete. The state government announced its test isolation payment will end with demand reducing as rapid antigen tests become more widely available. Industry Support and Recovery Minister Martin Pakula said Victoria was entering a new phase of managing the pandemic and the program was no longer necessary. “The recommended testing method has changed with rapid antigen tests providing results within minutes and eliminating the need to miss work while waiting for test results,” Mr Pakula said. More than 1.2 million payments worth about $545 million have been approved since the system began in July 2020 during the state’s devastating second wave of COVID-19 infections. Payments will still be available for Victorians who have to self-isolate, quarantine or need to care for someone in self-isolation or quarantine under the federal government’s pandemic leave disaster payment. APRIL 2022 | FIND CASEY

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Housing Prices Drop For the past two years we have seen significant housing growth but now capital city values are starting to trend downwards, according to latest data.

Stronger housing market conditions were recorded in Brisbane and Adelaide and Hobart, where housing values rose by more than 1.0 per cent in February.

Sydney has posted the first decline in housing values since September 2020. Whilst the drop of 0.1 per cent is a modest decline, it is an indication of where the market is likely to head for both Sydney and Melbourne over the next 12 to 24 months.

Regional markets remain strong

CoreLogic’s national Home Value Index recorded a 0.6 per cent gain in February, the pace of growth had slowed since April 2021 and marked the lowest monthly reading since October 2020.

Over the past three months, housing values across the combined rest-of–state regions increased (up 5.7 per cent), compared to combined capitals that rose 1.8 per cent.

Whilst capital cities are starting to trend downwards, regional Australia continues to record a substantially higher rate of growth than the capital cities.

Although the rolling quarterly rate of value growth remains rapid across regional Australia, conditions have eased from its recent peak of 6.4 per cent over the December quarter and is down from a cyclical peak of 6.6 per cent recorded in April last year. CoreLogic’s director of research, Tim Lawless, said demographic tailwinds, low inventory levels and ongoing demand for coastal or tree-change housing options are continuing to support strong upwards price pressures across regional housing markets.

Suncorp Super mergers with QSuper and increases insurance premiums By Warren Strybosch

Recently Suncorp Super merged with QSuper. Suncorp Super, in a statement to its members, informed them that their insurances held with Suncorp Super would be increasing from the 27th of February 2022. Suncorp Super encouraged their members to speak to a financial advisor about the increase in insurance premiums. If you are a previous member of Suncorp Super or QSuper, we would encourage you to make an appointment to speak to an advisor at Find Insurance or Find Wealth. You may be surprised to discover that there may be better insurance and super alternatives available to you. If you wish to speak to an advisor at Find Insurance or Find Wealth, simply contact them on 1300 88 38 30 or email info@ findwealth.com.au or info@findinsurance.com.au and ask for a free appointment to discuss your insurance and/or super needs.

APRIL 2022 | FIND CASEY

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Dealing in Crypto? ASIC asks you to get financial planning advice By Warren Strybosch

Crypto, like any investment can rise and fall. In the last few months, we have seen crypto currencies fall between 40% to 90% and with a current unstable world economy, it does not look like we will see a rebound in this sector anytime soon. The most common crypto currency is Bitcoin. At its height in November 2021, it was worth close to $94,000 AUD, and currently it is worth $53,000. Even before the fall in crypto pricing, ASIC was concerned with the number of people investing in crypto. People had it in their mind that crypto would just continue to rise in price without ever falling. They, those who wanted to invest, were concerned they were missing the boat on such a lucrative opportunity. However, like with all investments that are driven mainly by fear in greed, crypto has proven to be no different to other investments we have seen in the past. It will have its amazing ups and downs and trying to ‘guess’ or ‘time’ the market can have devastating consequences for many investors whilst only a few people end up walking away as the winners. I have heard stories of investors jumping in at the high, watching crypto drop 1015%, leverage up their investment (in otherwards borrow against their current investments), to only see the bottom drop

as the example above demonstrates. If you do happen to time it right and get some growth, you then must decide when to sell. Once you have sold you are out of the market. With the lack of income that crypto provides e.g., none at all, it is not the most ideal investment to place your money into. Crypto should only be used by those investors who a) don’t need their money, and b) have all the time in theworld to watch the price go down. It is back the capital in the near future. ASIC is so concerned about crypto and the increased market activity whereby schemers are recommending you switch from retail and industry funds to SMSFs to invest in crypto, that they have requested everyone seek financial planning advice from a licensed financial planner before making such decisions. ASIC said that individuals should not rely on social media ads or online contact promoting an “investment opportunity” or “high return” portfolio.

out of crypto after they have borrowed the funds. This has resulted in a margin call whereby they have had to sell down their now worthless investments to cover the borrowings because the lender was concerned, they might not have the ability to pay back the loan. This has resulted in them walking away with a few thousand dollars from the nearly $50,000 they had originally invested. Does this sound familiar? This is what happened with the GFC where investors had margin loans against their investments. Of those who had margin loans during the GFC, approximately 90% of investors had margin calls and were required to either sell down their investments or come up with additional funds to pay back the loan. Time simply repeats itself and the same lessons are being learned, albeit by the next generation. The biggest issue with crypto investing is income – it simply does not produce any. With all good investments you should seek growth and income and not simply growth. Yes, you can stake some coins, and this can alleviate some of the issues around price drops, but given there is no income, you are subject to everyone else’s fear and greed driving pricing. This lack of income makes you heavily reliant or hopeful on growth and when it does not occur can cause all kinds of problems

“Setting up an SMSF is one of the most significant decisions you can make relating to your retirement savings,” ASIC said. In particular, individuals should be wary of cold calling, text messaging and emails that recommend transferring super to an SMSF or investing in crypto assets via their SMSF. “Australians who decide to self-manage their super should consider the risks before using their SMSF to invest in cryptoassets,” ASIC noted. “As the trustee of your SMSF, you ultimately bear responsibility for the fund’s decisions and for complying with the law even if you rely on other people’s advice – licensed or otherwise.” The regulator pointed to its own website, Moneysmart and the ATO website as providing resources for information about scams, crypto investments and SMSFs. In summary, crypto is an investment that will go and down in value, does not produce income, and should only be considered as an asset class for those investors who have the time and resources behind them to see them through a bearish market, and importantly, to seek advice, from a licensed financial planner, before making any decisions about what to invest in, that includes crypto.

APRIL 2022 | FIND CASEY

FIND CASEY | APRIL 2022

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Businesses Fudging the Books are Placed on Notice By Warren Strybosch

Have you ever gone to pay for something and wondered whether the money you handed over is being recorded correctly for tax purposes? Do you sometimes think, especially when they ask if you want a receipt or not, if the funds are being recorded in a way so as to avoid paying tax? Well, your thoughts might have some validity to them. The ATO has recently released PS LA 2022/1 Administrative penalties for electronic sales suppression tools. It provides guidance to ATO staff on the application and remission of the administrative penalties for producing, supplying, possessing and incorrectly keeping records using an electronic sales suppression tool (ESST). ESSTs are hardware or software tools designed and used to manipulate sales records, understate income and assist in avoiding tax obligations. The production, supply, possession and use of ESSTs contribute to the black economy and undermine the integrity of the tax system. What is an ESST? ESSTs are designed to interfere with electronic sales records; that is, they can falsify, manipulate, hide, obfuscate, destroy or prevent the creation of electronic sales records, often without an audit trail showing the interference. They can take various forms and are constantly evolving, but some examples include: • • •

software that deletes or modifies point of sale (POS) records storage devices (such as back-up drives) containing software that deletes or modifies records POS devices with software that deletes or modifies records.

Penalties apply for producing, supplying, possessing, and incorrectly keeping records using ESSTs, as well as aiding or abetting another to do so. If you discover an entity has possession of or is using an ESST, in addition to considering if a penalty applies, you should work with the entity to ensure that the ESST is removed so the entity will no longer engage in conduct that can attract a penalty. Deciding whether something is an ESST To be an ESST, the tool must both be capable of interfering with a record and one of its principal functions must be to interfere with sales records. A modification

or additional features added to a legitimate sales system can be an ESST, even if the device or program as a whole is not. Records are information in any format that explain an entity’s transactions or other actions. Precisely what they are and what form they take depends on the circumstances. They generally include tax invoices, receipts and records of sales and all business transaction information. An ESST must be capable of interfering with records. Typically, a tool can interfere with records if it can: • • •

manipulate, falsify or delete the record of transactions renumber or recharacterise transactions interfere with records without showing an audit trail of the changes.

A tool passes the capability test for an ESST if it can interfere with a record that: • •

an entity is required by a taxation law to keep or make, and has been, or could be, created by a POS system which creates or feeds data into an entity’s tax records.

You do not need evidence that the tool has been used to interfere with a record, just that it is ‘capable’ of doing so. Criminal prosecutions An entity that produces, supplies or possesses an ESST or uses an ESST to incorrectly keep taxation records may be liable for criminal prosecution. The ATO may seek prosecution of an offence by conducting a criminal investigation and referring the matter to the Commonwealth Director of Public Prosecutions. Example 1 - not an ESST - changes are recorded Bellissima Beans Café Ltd buys a POS system for their new café. This POS system includes a function to reverse and void transactions. The manufacturer states that this function is for correcting mistakes and generating refunds.

The POS system records all changes to transactions in its history log. It produces a receipt and marks it as a void transaction. All receipts have sequential transaction numbers so any void transactions with missing receipts can be identified. Although this function gives Bellissima Beans Café Ltd the ability to delete and reverse transactions, the POS system creates an audit trail, so a reasonable person would not conclude that one of its principal functions is interfering with records. The POS system is not an ESST. Example 2 - possession of an ESST - full remission

The ATO conducts a routine audit of a bookstore owned by Book Worms Pty Ltd (Book Worms). Bob is the director of this company and runs the bookstore. During the audit, a hidden function within the system allows sales transactions to be deleted or manipulated without leaving a record of the original transaction. As a reasonable person would conclude that one of the primary functions of this system is to interfere with sales records, it is an ESST. Bob is surprised to discover that his system has an ESST and explains that he had no idea that it was there. He had bought the bookstore from Keanu in March 2017, who had not mentioned that there was anything unusual about the business or the equipment. He explains that he had not used the ESST and contacts his POS system supplier immediately to ensure ESST capabilities are removed. At the conclusion of the audit, no evidence was found that the ESST had been used to alter any of Book Worms’ business records. The audit did not result in any amendments to Book Worms’ income tax returns or BASs. Book Worms has a good compliance history. Notwithstanding the above, Book Worms is liable to an administrative penalty of 30 units for possessing an ESST. It does not matter that Book Worms came into possession of the ESST before the legislation was enacted.

APRIL 2022 | FIND CASEY

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Are you a Financial Planner looking for more clients? Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. List in our Find Aged Care Accommodation Website Are you an Established and experienced Financial Planner providing Aged Care Advice? Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

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Family Trusts in the ATO Firing Line ACCOUNTANT By Warren Strybosch

The ATO has released a suite of new guidance products that is set to have a major change on family trust distributions and tax arrangements. The ATO has released new draft public advice and guidance (PAG) products relating to section 100A reimbursement agreements and division 7A of the Income Tax Assessment Act 1936. The Draft Taxation Ruling TR 2022/D1 suite is open for consultation and clarifies the ATO’s position on reimbursement agreements under section 100A, and identifies arrangements that will not attract ATO compliance resources. Draft Taxation 2022/D1 outlines

Determination

when “financial accommodation” arises under division 7A whilst Taxpayer Alert TA 2022/1 highlights arrangements of concern from the ATO where taxpayers are using adult-child beneficiaries of family trusts to avoid tax on income. The draft Ruling means the ATO may charge Trusts up to 47% tax where a trust distributes funds to adult children and it is found the parents are using those funds instead of the intended beneficiaries, in this case, the adult children. It has been common practice for family trusts to be set up and income splitting to occur between spouses and other family members e.g., adult children. The ATO is aiming to stop or at least restrict this practice by using section 100A arguing that the beneficiary never used the funds and therefore was not actually entitled to the trust money that was paid to them. If this is found to be the case, then the ATO can tax the trust at the maximum rate of 47% (45% tax + 2% Medicare levy).

The guidance will be relevant to any trustee (or controller) of a closely trust that may have concerns about whether the trust anti-avoidance provision in section 100A may apply when trust income is distributed to relatively favourably taxed beneficiaries, but the benefits of that income are enjoyed by others. It also addresses trusts that intend to, or have in the past, made a private company beneficiary presently entitled to trust income but not paid the amount on the basis that the amount is held in a sub-trust for the benefit of the private company and the arrangement avoids the application of division 7A. “The vast majority of small businesses operating through a trust will not be affected by this public advice and guidance,” the ATO explained. If the ATO begins to enforce section 100A, all trustees of family trusts will need to review their income-splitting strategies and how they distribute funds to beneficiaries. It will be important for trustees to have written document in place which adequately explains the justifications as to why a beneficiary is entitled to the revenue generated by the trust. This is going to be paramount for business owners who run their business through a family trust where the main business owner is the key person generate the revenue flowing through the trust and for those who have set up trusts to pass on funds to adult children. The ATO’s further guidance in PCG 2022/ D1 specifically calls out children-parent arrangements. It is likely these types of arrangements will be targeted resulting in future penalties applying if the ATO conducts an audit. An example might be where a beneficiary has a significant difference between their entitlement to taxable ‘net income’ and their ‘trust income’ in specific year (not that uncommon) and the ATO thinks the gap

is contrived to pay less tax. Again, it will be important to have carefully documented reasons as to how the adult children are using these funds for their own personal use e.g., pay board, petrol, etc. Another area the ATO will be looking closely at is where a trust pays money to a company in a circular way between a Trustee that holds shares in a Company and then the Company is also a beneficiary that pays dividends to the Trust. The idea being the Company becomes entitled to trust money which the Trustee is really using for its benefit (and which the Trustee should instead be accumulating and paying tax at 47%). It is advisable that these arrangements cease immediately. Family trusts have always been in the firing by the ATO and more so since Labor limited the ability of trustees to distribute funds to minors. These new developments, whilst they might add another level of complexity for trustees, does not mean trusts hold no value. They are still a good vehicle for asset protection, and when set up correctly, with the right documentation in place, can still provide a good way of distributing funds to adultchildren, and used for income-splitting purposes. At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

“The draft guidance sets out the ATO’s preliminary but considered views on the interpretation of the relevant law, as well as guidance on how the ATO will administer the ATO view as expressed in the draft products,” the ATO said.

WARREN STRYBOSCH

“We have included explanations of proposed transitional arrangements to support clients to adjust their tax affairs to comply with the draft guidance once it is finalised.”

The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates acroos Victoria.

The products address the situation when certain trust distributions may attract the operation of section 100A or division 7A of part III of the Income Tax Assessment Act 1936 (ITAA 1936), according to the ATO.

Find Group

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.

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Significant Material Costs Lead To Dwelling Build Approvals Collapsing In 2022

By Warren Strybosch

With the collapse of housing construction companies like Probuild and building materials doubling in price, it is no wonder dwelling building approvals have collapsed over the last 12 months. The number of approved residential construction in Australia has plummeted, hitting its lowest figure in almost 18 months and the first decline since October last year. We have even heard of large home building businesses offering future homeowners up to $50,000 to break their home building contracts given the significant increases in material costs. It is apparently cheaper for them to pay a large break cost than to go ahead and build the new home. One builder stated that building materials like wood had only increased by 10 cents per metre but over the last 12 months, the price of wood has literally doubled. They stated that they would have to bear the cost of the increase if any building contracts were signed given it is illegal to

pass on the increase to the consumer once a contract has already been signed.

The same category of dwelling was said to be behind the uptick of approvals reported in December.

According to the Australian Bureau of Statistics’ data on building approvals in Australia, there were a total of 12,916 total dwellings approved over the month of January, falling 27.9 per cent comparative to December and over 24 per cent compared to the same period last year.

However, housing approvals were also reported by the ABS as suffering a sudden fall, hitting 8,712 over January and marking a monthly reduction of 17.5 per cent.

This fall was observed almost across every state, with the decline being felt most distinctively in Victoria (-35.5 per cent), South Australia (-29.2 per cent) and NSW (-25.9 per cent). The only state that reported monthly growth was Queensland, which saw a marginal increase of 0.5 per cent. Driving this distinct loss in new dwellings, which is the lowest since June 2020 (12,724), was a dearth of apartments, town houses, and units, which fell 43.6 per cent month-to-month, hitting 4,007.

This again was observed across the country, with every state reporting a diminished approval figure, with NSW reporting the smallest decline (-14 per cent) and South Australia the largest (-19.9 per cent). Compared to January 2021, this new figure for private houses reflects a downturn of 29 per cent. It is likely, given the large increase in building material costs, that many people will hold off building their new home or an extension, and we are likely to see further declines in new dwellings being built during 2022.

APRIL 2022 | FIND CASEY

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Do you get high at work? GENERAL INSURANCE By Craig Anderson

Many tradespeople are qualified to work at height as part of their occupation. They may use scaffold, EWP (Elevating Work Platform), rope access equipment, or even work on a high-rise rooftop with access via stairs or a lift. Regardless of how they get there, most of them will be aware of their surroundings, and will make every effort to keep themselves and those around them safe and try not to break anything in the process. Some will not have read their Public Liability Policy Wording, and will be unaware that the policy they purchased has a height limit imposed which they exceed without knowing. If they create a bodily injury to a third party or damage to third party property, and they are working above the insured height limit when the accident occurs, the policy will not respond. In other words, they become personally financially liable without the benefit of insurance that suits the activities they undertake in their business.

Policies without height limitations are available. rope access technicians and height safety equipment installers are two trades that spring to mind who are constantly working at heights above those allowed for in some policies, and who require more tailored cover with fewer restrictions. Scaffolders, renderers, painters, glaziers, roofers, plant and equipment techs for example may all require cover at height, depending if they perform commercial or domestic work. For these trades, there really is no reason not to be covered properly when the solution is there waiting.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au or call 0418 300 096

If you are working at heights, and have no idea if you are really covered, the time to act is now. A review of your policy could ensure you are not exposing yourself to unnecessary financial risk.

GENERAL INSURANCE

Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson

Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

Gone up in smoke - $42m worth of illicit tobacco ceased and destroyed By Warren Strybosch

The ATO via “Operation Greyhound”, they have uncovered a large source of illicit tobacco in Koraleigh, New South Wales. The amount covering 24 acres, was estimated to be over 250,000 kilograms in weight, and worth a staggering $42m on the open market. The ATO undertook significant warrant activity with assistance from officers attached to the Murray River PD Rural Crime Team and the Proactive Crime Team from NSW Police Force. The ATO said that this outcome demonstrates their commitment to detecting, disrupting, and dismantling crime syndicates that grow illicit tobacco.

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Australia Set to be Reunited as WA Reopens 11: 59pm Wednesday Andrew Brown (Australian Associated Press)

Australia is just hours away from returning to pre-pandemic interstate travel arrangements, with Western Australia set to bring down its hard border with the rest of the country. WA will reopen to eastern states from 11.59pm on Wednesday, making travel freely permitted again between all states and territories.

be triple-vaccinated against COVID-19 and have a completed travel pass to enter the state.

symptoms and would be recovering over the next week while working from home in Sydney.

WA Police Commissioner Chris Dawson said he expected an influx of travellers after months of being closed off to the rest of the country.

“I had tested myself daily since Sunday, including (Tuesday) morning, with all tests returning a negative result,” he said.

“We’ve had almost 23,000 applications (for travel passes), so we’re expecting tomorrow will be busy,” he told Perth radio station 6PR.

Hard border measures have been in place in Western Australia for several months following COVID-19 outbreaks in other jurisdictions.

“It takes between 15 and 25 minutes to basically process passengers off large aircraft.”

The reopening comes after Premier Mark McGowan delayed the easing border regulations earlier this year due to rising Omicron cases across the nation.

The border relaxation comes as Prime Minister Scott Morrison and WA-based federal minister Ben Morton tested positive to COVID-19.

Travellers into Western Australia – including returning residents – will need to

In a late-night statement, the prime minister said he was experiencing flu-like

“I took a further test (on Tuesday) evening after developing a fever. The test was inconclusive so I took a PCR test which returned a positive result.” Meanwhile, the Australian Technical Advisory Group on Immunisation has recommended the Novavax COVID-19 vaccine be used as a booster. The advisory group said Novavax was recommended for those over 18 when an mRNA vaccine, such as Pfizer, was not suitable. Health Minister Greg Hunt said since Novavax was first approved by the country’s medical regulator, more than 25,000 doses of the vaccine have been administered as a first dose. “The Therapeutic Goods Administration is currently considering an application for whole-of-population use of the Novavax COVID-19 vaccine as a booster,” Mr Hunt said. “The TGA and ATAGI continue to review emerging evidence on all COVID-19 vaccines.” While vaccines are not yet approved for children under five in Australia, US President Joe Biden indicated in his State of the Union address American scientists were working on such an approval. The head of the TGA previously said approval for under-fives vaccines had been “put on ice” in the US, meaning approvals would not take place in Australia until at least after Easter. There have been 59 deaths reported from COVID-19 on Wednesday, including 28 from Victoria, 24 in Queensland, five in NSW and two in the Northern Territory. More than 25,000 new infections were detected across the country, of which 10,650 were in NSW, 7126 in Victoria, 5011 in Queensland, 1053 in the ACT, 624 in the NT, and 868 in Tasmania. APRIL 2022 | FIND CASEY

FIND CASEY | APRIL 2022

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The Marketing of Infant Formula: a US$55 Billion Industry •

LACTATION CONSULTANT By Dr. Joanna Strybosch

The International Code of Marketing of Breast-milk Substitutes, (the Code), is an international health policy that was developed forty years ago and published by the World Health Organization in 1981. It is an internationally agreed voluntary code of practice intended to regulate the marketing of breastmilk substitutes, and protect mothers from aggressive marketing practices. The Code was written in response to the marketing activities of the infant feeding industry which were promoting formula feeding over breastfeeding, in turn leading to dramatic increases in maternal and infant morbidity and mortality. The underlying basis for the Code is the belief that the health of babies is so important that the usual rules governing market competition and advertising should not apply to products intended for feeding babies. Therefore, all Governments should legislate to prevent commercial interests from damaging breastfeeding rates and the health of their population. The Code is intended to be an integral tool to help protect babies’ rights, enabling families to make infant feeding choices free from commercial influence and with full understanding of what is in their child’s best interest. It helps give babies the best possible chance to grow, develop and flourish in their critical foundation years. Unfortunately, the circumstances that necessitated the creation of the Code are still relevant and constantly evolving. In 2022, the WHO reported that the global infant formula market is now worth approximately US$55 billion annually. According to Dr Mary-Anne Land, of the Public Health Association of Australia, “Forty years on formula marketing still represents one of the most underappreciated risks to infants’ and children’s health. Scaling up breastfeeding could prevent upwards of an estimated 800,000 deaths of children under five and 20,000 breast cancer deaths among mothers each year. Despite the Code, formula companies continue to violate principles established by these international agreements, putting sales and shareholder interests before infant and population health.”

• •

• A recent WHO/UNICEF report into the marketing of infant formula shows that half of parents and pregnant women (51 per cent) surveyed say they have been targeted with marketing from formula milk companies, much of which is in breach of international standards on infant feeding practices. The report – How marketing of formula milk influences our decisions on infant feeding, finds that industry marketing techniques include unregulated and invasive online targeting; sponsored advice networks and helplines; promotions and free gifts; and practices to influence training and recommendations among health workers. The messages that parents and health workers receive are often misleading, scientifically unsubstantiated, and violate the Code. What is covered by the Code? All breastmilk substitutes are covered by the Code. The definition for a breastmilk substitute is any food being marketed or otherwise presented as a partial or total replacement for breastmilk, whether or not suitable for that purpose. This may include: • • • • •

infant formula; follow on formula; infant milks marketed as food for special medical purposes (FSMP); baby foods; bottles/teats and related equipment.

The Code prohibits all promotion of milks and equipment related to bottle feeding and sets out requirements for labelling and information on infant feeding. Any activity that undermines breastfeeding also violates the aim and spirit of the Code. The Code and its subsequent resolutions are intended as a minimum requirement in all countries, and are written into the United Nations Convention on the Rights of the Child. Manufacturing companies may not: • promote their products in hospitals, shops or to the general public;

•

give free samples to mothers or free or subsidised supplies to hospitals or maternity wards; give gifts to health workers or mothers; promote their products to health workers: any information provided by companies must contain only scientific and factual information; promote foods or drinks for babies; give misleading information; have direct contact with mothers.

This requirement is intended to restrict the influence of commercial interests related to infant feeding and to protect breastfeeding as the healthiest option for mothers and their babies. It does not in any way prohibit the provision of factual information about bottle feeding or introducing solid food, or require that mothers who bottle feed be denied information or care. It is intended to ensure that all parents, whichever way they feed their baby, have access to accurate and effective information free from the influence of marketing campaigns designed to protect profits rather than babies. Dr Land goes in to say, “Manufacturing companies often present themselves as philanthropic partners in the fight to protect and improve maternal and infant health. In reality, like all other commercial companies, they exist to increase shareholder value by maintaining and increasing profit. For companies manufacturing formula milks or other baby foods, this means selling as much of their product as possible. To do this, they need to persuade parents to formula feed rather than breastfeed, to choose their formula milk rather than a competitor’s, and to use their brand of baby food as early and as much as possible.” In Australia, the principles of the Code are put into effect through the Marketing in Australia of Infant Formulas: Manufacturers And Importers Agreement (MAIF Agreement). It is Australia’s response to the Code but it is only a voluntary, selfregulatory code of conduct. In Australia, the Code is not legally enforceable and the MAIF Agreement contains weaknesses. Various health groups have strongly advocated that Australia needs to enforce the Code and subsequent resolutions under Australian law. Formula milk marketing, not the product itself, disrupts informed decision-making and undermines breastfeeding and child health.

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APRIL 2022 | FIND CASEY

List Your Aged Care Facilities with Find Aged Care Accommodation Today. Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation.com.au) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

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2022 TA Temporary full expensing of depreciating assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing was extended by 12 months from a 2021 Federal Budget announcement and is now law. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities

Announcement(6-Oct-2020) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022)

will have separate eligibility criteria. Since the original legislation was enacted, further amendments have

Royal Assent

been made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it

Date of effect(6-Oct-2020)

may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Superannuation guarantee exclusion for low-income workers removed The low-income earners’ exemption for employers calculating their superannuation guarantee shortfall will be removed from 1 July 2022. The low-income earners’ exemption states that an employer is not required to pay superannuation guarantee where their employee earns less than $450 in a calendar month. The change that is occurring is a repeal of the subsection of the legislation which provides the employer’s exemption from superannuation guarantee liability. The repeal will not be in place until 1 July 2022. Where

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed(10-Feb-2022)

a client of yours contracts out their payroll function to a third-party provider, best practice is to ensure a

Royal Assent(22-Feb-2022)

relevant update to the system is completed. This may involve contacting the third party or completing a “dry

Date of effect(1-Jul-2022)

run” prior to making any payments.

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget will reduce the age limit from 65 to 60 from 1 July 2022.To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed. Downsizer contributions are in addition to existing rules and caps and are exempt from the:

nouncement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022) Royal Assent(22-Feb-2022) Date of effect(1-Jul-2018)

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

balance of the franking account. The loss carry-back tax offset has been extended by 12 months to include

Royal Assent(14-Oct-2020)

losses in the 2022–23 income year. The amendment is now as the legislation has been given royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions will be removed from 1 July 2022. Prior to the change, super fund members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for non-concessional contributions (including the bring forward rule) will allow members to contribute more to

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021)

super throughout their lifetime, subject to meeting other requirements. However, it should be noted that the

Passed(10-Feb-2022)

work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions.

Royal Assent(22-Feb-2022)

However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see

Date of effect(1-Jul-2022

event ‘Work test exemption for low balance retirees’).

First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will increase from $30,000 to $50,000. The increase will apply to withdrawal requests from 1 July 2022 as amending legislation has now passed and been given royal assent. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. The scheme began on 1 July 2017, with voluntary contributions up to $15,000 per year able to be used for an FHSS scheme withdrawal. The withdrawal also includes deemed earnings on the voluntary contributions. The scheme is

Announcement(10-May-2017) Consultation(4-Aug-2017) Introduced(27-Oct-2021)

intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by

Passed(10-Feb-2022)

accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers

Royal Assent(22-Feb-2022)

in limited circumstances. Other administrative changes from the amending legislation include allowing

Date of effect(1-Jul-2018)

individuals to withdraw or amend their application for release prior to receiving payment. Individuals who withdraw or amend an application will not lose their ability to re-apply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Employee share scheme tax and regulatory changes New legislation will remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS) from 1 July 2022. Further regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall, combining both the new legislation and regulations for ESS participants and businesses may change traditional structuring of

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021) Passed(10-Feb-2022)

arrangements. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants

Royal Assent(22-Feb-2022)

in the future. These updates will commence for ESS interests entered into on or after 1 July 2022.

Date of effect(1-Jul-2022)

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.

Announcement(8-May-2021)

Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery

Consultation(12-Jan-2022)

action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Introduced(17-Feb-2022)

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Passed Royal Assent Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) The NSW Government has introduced a financial assistance package for small and medium-sized businesses under pressure in early 2022 as a result of COVID-19. Specifically, eligibility for the Small Business Support Program will be based on turnover levels in January 2022 or the first fortnight of February 2022. The program

Announced: 30-Jan-2022

is similar in nature to the JobSaver program available to businesses in NSW during 2021. Businesses will

Updated: 25-Feb-2022

receive payments based on their level of payroll if they have experienced a minimum decline in turnover. Applications need to be made through Service NSW and close 31 March 2022.

APRIL 2022 | FIND CASEY

APRIL 2022 REALESTATE

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COVID-19 Quick Response grants success stories The COVID-19 pandemic created significant challenges for the community sector who work hard to support Casey’s most vulnerable residents. During this time, Council provided significant support to community organisations through its Quick Response grants program. This included a substantial level of funding distributed to community service organisations and emergency food relief providers in response to local community needs. The COVID-19 Quick Response grants aimed to extend and strengthen this assistance for the community sector. This was done by providing grants of up to $5,000 to support COVID-19 related services, programs and initiatives. More than $210,000 in COVID-19 Quick Response grants were awarded between 44 organisations in the grant round of September 2021 to February 2022. In recognition of pressing community needs, approvals were fast-tracked so that most applicants received their grant within 7 to 10 days of submitting their application. Here are some success stories of how this funding has enabled organisations to assist Casey residents during these challenging times. Relationships Australia Victoria Relationships Australia Victoria representative Jackie Blake said that receiving a COVID-19 Quick Response grant from the City of Casey enabled the organisation to purchase several ipads to loan to participants of their Men’s Behaviour Change Program. “Being able to continue to participate in groups during lockdown was important. These programs were moved over to a Zoom-based model during the lockdowns,” said Jackie. “Phones were not easy to use with Zoom, and some of the men we were working with, who reside in Casey, didn’t have

access to the technology needed to be able to safely participate in our program. Being able to borrow iPads made it a lot easier to participate. “Receiving this grant has really enabled these men to continue being connected and engaged with our programs, and also for us to maintain the safety of women and children who are accessing the program.” Peninsula Community Legal Centre Jackie Galloway of the Peninsula Community Legal Centre said that the quick response grants enabled their teams to visit rooming houses in the City of Casey and support the residents with healthcare packages. “Many of our rooming house residents have chronic health conditions and are regularly in financial hardship often unable to afford the basic necessities,” said Jackie. “With the assistance of the quick response grants, we were able to provide health packs to our residents including sheets, towels, grocery vouchers, and personal hygiene products.” Taskforce Community Agency Erin Crockett from the Taskforce Community Agency said that thanks to the grants, Taskforce were able to upskill their staff. “Our clients have benefited because Taskforce Community Agencies staff have the expertise in mental health first aid and are able to help our clients through these difficult COVID-19 times.” L’arte Central Anthony Cheeseman from L’arte Central said that L’arte received $5,000 from the City of Casey through their grants fund.

“This money was really great at the time because it enabled us to give more NDIS participant hours into making and producing some chef-prepared meals,” Anthony said. “We actually added five participants into our program to specifically do these meals. We Care Community Services located in Lynbrook distributed the meals to people that they know are challenged in this time”. Mums Supporting Families In Need (MSFIN) Donna Cartwright from MSFIN said that the funding enabled them to support families in crisis throughout the City of Casey during the pandemic. “We were able to provide families in the City of Casey with food, clothing, toiletries, and everyday material aid—as well as Christmas presents. These families would otherwise have gone without, if we weren‘t able to support them.” The full range of application types for the COVID-19 Quick Response Grants included emergency relied (food, meals, vouchers, and deliveries), hygiene and care packages, mental health support and education, case work and counselling hours, health and wellbeing programs, COVID-19 and vaccination awareness programs for CALD communities, COVIDSafe practise workshops, volunteer training, resources and support, technology and equipment to support programs. More about Quick Response Grants There are no current plans for further COVID-19 specific grants, but we will continue to provide $1,000 grants via our continuing Quick Response Grants program.

ouncil News State Government contributes to four key Casey projects

Casey residents are invited to help shape the first City of Casey Climate Action Plan, which will guide Council’s work towards reducing emissions and tackling the contributing factors of climate change.

City of Casey Chair of Administrators, Noelene Duff PSM, said climate change was an urgent global challenge with long-term implications across all levels of the community.

Council is working towards net zero corporate emissions by 2030 and net zero emissions before 2037 for the community.

“The effects of climate change will likely be felt at a local level through more extreme-weather events including dangerous heat waves, longer and more intense fire seasons, drought conditions from decreased rainfall, increased storm activity and flooding, a rise in sea levels and a transition to a more northerly climate,” Ms Duff said.

To help achieve these targets, the Climate Action Plan will detail the steps Council is proposing to take across several key areas including energy efficiency and renewable technologies, transport, community action and education, waste reduction, and sustainable land use. Residents are encouraged to join the conversation and complete the online survey to let Council know what you believe the priorities should be, and how Council and the community can work together to address climate change.

“These effects will have social, economic, environmental, and human health consequences for our community. It is up to all of us to take action to help address climate change, and I encourage residents to complete the survey and share their views to contribute to Council’s actions for the future.”

The survey is now open until Sunday 3 April and can be found at conversations. casey.vic.gov.au/climate-action-plan Local pop-up engagement opportunities will also be held at the following locations: •

Selandra Community Hub on Wednesday 9 March, 9.30am – 11.00am

•

Endeavour Hills Shopping Centre on Wednesday 9 March, 12.30pm – 2.30pm

•

Tooradin Farmers Market on Sunday 20 March 8.00am – 2.00pm

•

Green Living Festival, Bunjil Place Plaza on Saturday 2 April 10.00am – 3.00pm

More News and Updates

Casey welcomes works to upgrade

New Endeavour Hills

Narre Warren-Cranbourne Road

Men’s Shed opens

FOI changes for contractors

APRIL 2022 | FIND CASEY

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APRIL 2022 | FIND CASEY

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The Indian Bazaar market returns to Casey Central on the second Saturday of every month to celebrate everything trational through clothing, food, gifts and much more. Dates are as follows * : February - Saturday 12th - 9am – 5pm March – Saturday 12th - 9am – 5pm April – Saturday 9th - 9am – 5pm May – Saturday 14th - 9am – 5pm June – Saturday 11th - 9am – 5pm July – Saturday 9th - 9am – 5pm August – Saturday 13th - 9am – 5pm September – Saturday 10th – 9am – 5pm October – Saturday 8th – 9am – 5pm November – Saturday 12th – 9am – 5pm Decemeber – Saturday 10th – 9am – 5pm * Dates are tentative and could change.

Miss Pickle 1971

Now Open! Get excited... Miss Pickle 1971 is now open at Casey Central! At Miss Pickle, they are passionately Mediterranean in origins and flavours and proudly Australian, sourcing only the best local and ethical produce whenever possible. Like the real Miss Pickle, who emigrated to Melbourne in 1971, nothing gives them more pleasure than sharing their real food. The colours, aromas and textures of every bite will transport you onto the streets and into the kitchens of Athens, Beirut, Tel Aviv & Cyprus.

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Are you ready for the best Mediterranean food in Melbourne?

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RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

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

WHERE WE WORK

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

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

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions. Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

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Submit to

LIMERICK COMPETITION RETIREMENT By Bernard Kelly MBA

Limericks are nonsense poems that take their name from nonsense poetry that originated in – yes, you’re right - Limerick, Ireland. And now, as a senior, you will recall how limericks revitalized those (otherwise boring) long car trips when you were a child. This competition enables you to revisit those childhood memories. Limericks are five line poems with a strict meter, and as they are easy to construct, they have been frequently written for children. Their simplicity and singalong rhythm have also made it easy for drunkards in pubs to write rhyming slang, frequently with sexual content. Which has enabled this art form to persist down through the ages. They went into literature when Edmund Lear published a collection titled “A Book of Nonsense” in 1846. It’s never been out of print ever since. Here’s an example of his work:

“A delighted incredulous bride

There are many hobbies, past-times and interests that are available to seniors “Said to the groom at her side during daylight hours (for example you would develop new friendships when “I never would have believed you join a charity that prepares meals “Until right now dear sir for the homeless). Then on weekends “How our anatomies would so coincide.” you could assist as a volunteer in a project where everyone else is still in the And here’s another example of how workforce – I’m thinking of an outdoors miniature railway society. easy limericks are to construct: “Here’s true history from the crew, “We found a mouse in the stew, “Said the waiter, don’t shout, “And wave it about, “Or the rest will be wanting one, too.” There are many hobbies, past-times and interests that are available to seniors during daylight hours (for example you would develop new friendships when you join a charity that prepares meals for the homeless). Then on weekends you could assist as a volunteer in a project where everyone else is still in the workforce – I’m thinking of an outdoors miniature railway society. Then of course, writing limericks is there for your evenings.

Then of course, writing limericks is there for your evenings. Submit your competition entry to bernardkellygeelong@gmail.com and feel free to ask about the prize pool. And of course, if you want to further develop your skills as a member of the limerick community, you will be able to find a supporting writers’ group at your local neighbourhood house, Bernard Kelly MBA writes on retirement lifestyle issues. His email is bernardkellygeelong@gmail.com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach APRIL 2022 | FIND CASEY

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The Downsizer Contribution – an easy way to get money into super FINANCIAL PLANNING By Warren Strybosch

The Downsizer Contribution – an easy way to get money into super If you have reached the eligible age, you may be able to contribute up to $300,000 from the proceeds of the sale (or part sale) of your home into your superannuation fund.

90 days of receiving the proceeds from the sale of your home to your respective super fund. Generally, this would mean 90 days from settlement. You can make multiple contributions from the sale of the primary residence, provided they do not total more than $300,000 each.

From 1 July 2022 the eligible age is 60 years old or older. Prior to this it is 65 years old or older.

Downsizer contributions form part of your tax-free component within superannuation and will be taken into account for determining eligibility for the Age Pension (whereas the value in the main residence is exempt).

According to the ATO, this downsizer contribution is not a non-concessional contribution and will not count towards contributions caps. The downsizer contribution can still be made even if the contributor has a total superannuation balance (TSB) greater than $1.7 million.

You do not have to have lived in the home for the entire ownership period. So long as you are claiming at least a partial exemption from capital gains tax [CGT] under the main residence exemption, your property meets the main residence criteria for a downsizer contribution.

Important points to note:

•

The home must in Australia, have been owned by you or our spouse for at least 10 years and the disposal must be exempt or partially exempt from capital gains tax (CGT)

•

You have not previously made a downsizer contribution to your super from the sale of another home or from the part sale of your home.

•

Prior to (or at the same time) as making your contribution you must provide your fund with the ‘Downsizer contributions into super form.’

•

A downsizer contribution will not affect the TSB until this is recalculated to include all contributions, including downsizer contributions, on 30 June at the end of the financial year.

•

The downsizer contribution will count towards the transfer balance cap, currently set at $1.7 million. This cap applies when superannuation savings are moved into retirement phase. Downsizing contributions can only be made for the sale of one home and cannot be accessed again for the sale of a second home.

•

Downsizer contributions are not tax deductible and will be taken into account in determining eligibility for the Age Pension.

•

If the contributor sells their home, is eligible and chooses to make a downsizer contribution, there is no requirement to purchase another home.

Source: ATO.

Timing is key

9 tips to consider

One of the key areas to note is timing when considering this strategy. You must make the downsizer contribution within

Tip 1 — Date of contract of sale Be aware of the date your client entered into the contract of sale to sell their home.

A downsizer contribution is only available where the contract of sale for an eligible property was entered into on or after 1 July 2018. Tip 2 — 10-year ownership interest You must have held an ownership interest in the home being sold at all times during the 10-year period prior to the sale. Tip 3 — Age-based considerations An individual must be aged 60 years or older when they make a downsizer contribution to superannuation. Interestingly, there is no upper age limit, so a downsizer contribution may be available to an individual well over the age of 65 who never had the opportunity to contribute to superannuation. Usually, any contribution to superannuation made on or after an individual’s 65th birthday requires the work test to have been met. However, a downsizer contribution can be made irrespective of an eligible individual’s work status. Tip 4 — Contribution amounts The amount you can contribute is limited to the lesser of $300,000, or the total capital proceeds you receive from the sale of your interest in the home. If you are a couple with joint ownership in the home, then you would be eligible to each contribute up to $300,000, resulting in a total downsizer contribution of $600,000. Tip 5 — Contribution timing Eligible individuals must make a downsizer contribution within 90 days of the change of ownership on the eligible property. In most cases, this will be 90 days from the date of settlement, unless an extension has been granted. You can make multiple contributions from the sale proceeds of the one eligible home within the 90-day eligibility period, so long as the total contributions do not exceed the lesser of $300,000, or the total capital proceeds received from the sale of your interest in the property. Tip 6 — Downsizer contribution form The contribution needs to be accompanied by the downsizer contribution into superannuation form either when making, or prior to making the contribution to superannuation. Tip 7 — Age Pension entitlements Age pensioners need to carefully consider how a downsizer contribution may impact their Age Pension entitlement. While the value of an individual’s home is means test exempt, the value of their

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superannuation interests, both in accumulation and pension phase, are means tested when determining eligibility for the Age Pension. Eligible age pensioners may find a downsizer contribution indirectly impacts their Age Pension entitlement, however any additional amount they now have in superannuation as a result of the contribution could be used to further support their retirement income needs. Tip 8 — Estate planning perspective A downsizer contribution is a new type of after-tax contribution to superannuation and, therefore, will not count toward an individual’s non-concessional contribution cap. Any amount contributed will form part of the individual’s tax-free component. From an estate planning perspective, the taxfree component would not attract tax if a death benefit lump sum was paid to nontax dependants such as independent adult children. Tip 9 — Transfer balance caps While an individual’s TSB can limit their ability to make certain additional contributions, most notably nonconcessional contributions, eligibility to make a downsizer contribution is not impacted by their TSB. However, an individual continues to be restricted to only moving a maximum of $1.7 million to retirement phase under the transfer balance cap (TBC). Should your client have already fully utilised their TBC, any additional contribution to superannuation under the downsizer measure would remain in accumulation phase. Extension of time In some circumstances, contributors might be able to request a longer period for making a downsizer contribution, for instance, when a delay has been caused by factors outside their control. However, an extension of time will not be granted to allow an individual to meet the age requirement. According to the ATO, an extension of time should be requested before the 90-day period from the date of settlement has expired. If a contributor has overlooked the 90-day timeframe, an extension of time may still be granted due to, but not limited, to: • • •

ill health death in the family moving house.

ATO example of an extension being granted Ben, aged 77, decides to sell his family home of 15 years. Settlement occurs on 1 August 2018. He purchases a new home in a retirement village, which is due to settle on 1 October 2018. The retirement village has only just been built, and Ben’s settlement is delayed until 1 December 2018 while final council approvals are obtained. Ben does not want to contribute funds from the sale to his superannuation until after the settlement of his new property to ensure he has enough money to purchase and move into the property. Upon his request, the ATO gives Ben an extension of time to contribute until 1 February 2019. This extension allows Ben enough time to settle on the new property and make a contribution of the remaining money from his sale. Ben can afford to contribute $200,000 to his superannuation fund after the sale and makes this on 25 January 2019.

Source: ATO.

Conclusion The benefit of the downsizer strategy is that there is no requirement to meet a work test to make this contribution. This is beneficial for clients aged between 60 and 74, but it is even more appealing for clients aged at least 75 who may still wish to contribute to their superannuation – whether they are still working or not. Not only is this a great advantage of the downsizer strategy, but so is the fact that it does not matter how much a client already has in superannuation. The total superannuation balance threshold of $1.7 million that would normally preclude an individual from being able to make further non-concessional contributions does not apply for downsizer contributions. For the full eligibility criteria and other details find out more at Downsizer contributions for individuals. Downsizer Contributions Question 2: In-specie transfer of assets for downsizer contribution

My client wishes to make a $300,000 downsizer contribution to super and would like to make this contribution via an in-specie transfer of personally owned shares. Is this possible? Answer: Yes. A client can make a downsizer contribution as an in-specie transfer of assets, provided the value of the transfer does not exceed $300,000 or the total capital proceeds received for the property sale. The ATO have confirmed this in LCR 2018/9 and provide the following example on their website: Alisha has a portfolio of listed shares worth $150,000. She sells her home for $500,000. As Alisha meets all the other requirements, she can make a downsizer contribution of up to a maximum of $300,000 using a combination of her shares and cash. Remember, the downsizer contribution must be made within 90 days of receiving the sale proceeds and any transfer of shares from individual ownership to super will trigger a CGT event and capital gains tax implications may apply. This information is current as at January 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findretirement.com.au www.findretirement.com.au APRIL 2022 | FIND CASEY

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