Find Casey 2022 - August Edition

AUGUST 2022 WHAT’S INSIDE: 04 LOCAL STORIES 08 COLUMNIST ARTICLES TAX UPDATES 22 20 NOT-FOR-PROFIT EVENTS & ARTICLES CASEY COUNCIL NEWS 18 38 34 36 FIND COUPONS FIND FAITH FIND BIRTH, DEATHS & MARRIAGES REAL ESTATE - RENTAL LISTINGS SUPPORT LOCAL, BUY LOCAL, DISCOVER CASEY The Casey 16 info@findaccountant.com.au| www.findaccountant.com.au PLATINUM SPONSOR AUGUST SPONSOR AUGUST SPONSOR CRAIG ANDERSON LESLEY-ANNE BANTON General Insurance 0418 300 096 www. heightsafetyinsurancebrokers.com.au The Parent Whisperer www.theparentwhisperer.com.autheparentwhisperer1@gmail.com 0432 848 418 HELPING THOSE IN NEED

WEBSITE:

Casey Warren Strybosch | 1300 88 38 30 Issuu pty Ltd ADDRESS: 248 Wonga Road, Warranwood VIC 3134 editor@findcasey.com.au 1300 88 38 30 sport@findcasey.com.au www.findcasey.com.au

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.

POSTAL

OUR NEWSPAPER

ADVERTISING AND ACCOUNTS:

ADVERTISING RATES (INCLUDE GST) NEXT ISSUE Next Issue of the Find Casey will be published on Wednesday September 8, 2022. Advertising and Editorial copy closes Monday September 5, 2022. COLUMNIST CONTRIBUTORS TEAM/LEADERSHIP COACH LESLEY-ANNE BANTON CRAIG ANDERSON JOANNA STRYBOSCH GENERAL INSURANCE LACTATION CONSULTANT AUTO MECHANIC BOOKKEEPER HAIRDRESSER PARAMEDIC LAWYER ENGINEER PHARMACIST MARKETING Are you our next Auto Mechanic? Are you our Lawyer?next Are you our next Web Developer? Are you our Physician?next Are you our Veterinarian?next Are you our Engineer?next Are you our Pharmacist?next Are you our Bookkeeper?next Are you our Hairdresser?next Are you our AreParamedic?nextyouournextMarketer?AreyouournextSolicitor?? ???? ? ? ? ? ? ? ? WEB DEVELOPER SOLICITOR Available Sizes: Rates: • Double Page Spread (408 x 276mm) $1650 • Full Page (198 x 276mm) $1100 • Half Page Landscape (198 x 138mm) $715 • Half Page Portrait (95 x 276mm) $715 • Third Page (189 x 90mm) $550 • Quarter Page (97 x 137mm) $440 • Business Card Size (93 x 65mm) $275 • Ads Smaller than (85 x 55mm) and Below $121 We can Create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter. • Design Services PHYSICIAN VETERINARIAN ACCOUNTANT| FOUNDER WARREN STRYBOSCH

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.

ACKNOWLEDGEMENT

GENERAL ENQUIRIES:

editor@findcasey.com.au PUBLISHER:

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

EDITORIAL ENQUIRES:

EMAIL SPORT:

investment injection will put Hysata on the path to gigawatt-scale manufacturing of the equipment and grow the team in NSW, the company said on Tuesday. The funding will be used to hire more staff and develop a pilot manufacturing plant for an electrolyser the company says will process the world’s lowest-cost green hydrogen. Liquid hydrogen is yet to be proven as a commercially viable alternative fuel.

The funding will be used to hire more staff and develop a pilot manufacturing plant for an electrolyser the company says will process the world’s lowest-cost green Liquidhydrogen.hydrogen is yet to be proven as a commercially viable alternative fuel.

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

Press)

Green Hydrogen

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.

TheWekeepfacebook.com/findcaseyshire(https://www.)soyouuptodatewithwhatwearedoing.valueyoursupport,FindCaseyTeam.

By Warren AboutStrybosch the Find Casey

“Our mission is to redefine the economics of green hydrogen production through our innovative proprietary electrolyser technology,” Mr Barrett said.

But Paul Barrett, CEO of Hysata, said the equipment operates at 95 per cent system efficiency, delivering a giant leap in performance and cost over incumbent technologies, which typically operate at 75 per cent or less.

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 3 3

Kiko Ventures in the United Kingdom, Denmark’s Vestas Ventures, Australia’s superannuation fund Hostplus, steel company BlueScope and venture capital firm IP Group Australia are backing the “hero fuel” to one day decarbonise heavy BlueScope’sindustry. venture capital arm said it was keen to invest in Australian technologies coming out of local communities, with Hysata born in the Australia’sIllawarra. green bank chipped in $10 million, building on its initial $750,000 in seed money for Hysata and the kernel of an idea researched at the University of CleanWollongong.Energy Finance Corporation CEO Ian Learmonth said Hysata is set to be a “major player” in the global electrolyser industry and Australia’s clean technology Greensector. hydrogen could be a vital alternative fuel for getting to net zero carbon emissions, particularly for heavy emitting industries such as steelmaking, heavy transport and chemical refineries. Tech Wins Global Backers Associated Marion Rae

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.

An Australian green hydrogen company has attracted global investors to fast-track its hydrogen electrolyser Thetechnology.$42.5million

(Australian

With food and petrol prices on the rise and now interest rates putting pressure on new homeowners, people are starting to find it hard to put food on the table. Already, we are hearing stories of families having to go without. With likely interest rate rises continuing to occur this will place even more pressure on those families already struggling to obtain the essentials they require to get by on a day-to-day basis. In this month’s edition we have tried to find some organisations in the local area who may be able to help those families doing it really tough and require some additional support. Started on page 14, we list some of these organisations that are providing food relief, a community meal, and/or shelter for the night. We want to thank these organsiations for the work they do in looking after our community.Thegreat

The data released on Tuesday by the Australian Institute of Health and Welfare was drawn from information gathered in the latest Census, including that there were nearly 9.8 million households in 2021. Of those, 67 per cent were occupied by “owners”, with roughly half of those subject to mortgage.

About a third of households, or 2.9 million, are occupied by renters. “There has been a sharper increase in the proportion of young Australians renting compared with older Australians,” the institute said as part of its data release. By Nick (AustralianGibbsAssociated

4 FIND CASEY | AUGUST 2022 findcasey.com.au

THOSE IN NEED

By Warren HELPINGStrybosch

Australian dream of home ownership is being realised by fewer young people than it was half a century Dataago. collected in the latest Census shows the home ownership rate of people aged 30 to 34-years-old sat at 50 per cent in 2021, a drop of 14 per cent since 1971. For those aged 25 to 29, the decrease was also 14 per cent over the same period, dropping to 36 per cent in 2021. Some of those people aged below 30 who owned their own home in the 1970s are among the Aussies with the highest rate of ownership in 2021. Baby Boomers – those born between 1946 and 1964 –make up the highest rate (82 per cent) of home owners in 2021.

AustralianMissingYoungstersPress)OutOnDream

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 5 5 Find Aged Care Services 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 Whypapers.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@findagedcare.services visit our website at www.findagedcare.services Are you a Financial Planner looking for more clients? Grow FinancialyourPlanning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. List in our Find Aged Care Services Are you an Established and experienced Financial Planner providing Aged Care Advice?

Fraser Island to go the way of Ayers Rock

It’s hoped Fraser Island will follow the lead of Uluru and only be known by it’s Indigenous name, as the Queensland government flags an official name Thechange.proposal will take a step forward this week as two months of public consultation begin, Resources Minister Scott Stewart said on Wednesday. He hopes the process will lead to the Indigenous name of K’gari entering the common vernacular in the same way Uluru has replaced Ayers Rock.

The consultation follows the island’s world heritage area being renamed K’gari last year, Environment Minister Meaghan Scanlon said “K’gari means paradise in the Butchulla language and as a popular destination for its natural beauty, is a much more fitting name for such an iconic place,” Ms Scanlon said. “The name Fraser Island is culturally inappropriate – it is a tribute to Eliza Fraser, a woman whose narrative directly led to the massacre and dispossession of the Butchulla people.”

The reinstatement of K’gari as the island’s name has been a long time coming, chair of the Butchulla Aboriginal Corporation Aunty Gayle Minniecon said. “It means so much to the Butchulla people,” she said. “For us it’s about respect for our people. It’s important for us to let our ancestors know that our culture is still strong and we continue to care for our country.”

By Warren Strybosch With all the changes that have occurred in the financial planning profession, it was good to note that there was nearly a 50% reduction in complaints in the 2022 FY compared to the 2021 FY relating to ‘Failure to act in the client’s best interests’ and ‘Inappropriate advice’.

Financial Planning Complaints Trending Down

6 FIND CASEY | AUGUST 2022 findcasey.com.au

“No one calls it Ayers Rock any more, they call it Uluru, and it’s about respecting our First Nations people, and about respecting the connection they have with this land,” Mr Stewart said. “(For) 60,000 years they’ve been calling it K’gari, I think it’s about time we started to do exactly the same.”

(Source: AFCA)

K’gari was originally known by Europeans as Great Sandy Island before it was changed to Fraser Island after Scotswoman Eliza Fraser was shipwrecked there in 1836. While the World Heritage Area became K’gari last year, the official place name for the world’s largest sand island had yet to change.

Nick (AustralianGibbs Associated Press)

The evidence from AFCA (the external resolution board that handles financial planning complaints) provides us with a clear picture: The changes that have occurred over the past few years e.g. introduction of the FASEA Code of Ethics and increased education standards, have indeed had a positive impact for Iconsumers.believewe are moving in the right direction as a profession.

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 7 7

Tim Loh noted that the ATO’s Random Enquiry Program found that nine out of 10 tax returns that reported rental income contained at least one error. This is despite most of those property owners being assisted by a registered tax agent. While tax agents can only work with the information they gather from clients, the ATO said it expects agents to ask a few extra questions to ensure their client’s return is completed correctly.

Rental properties – An ATO focus area for 2022 returns

CatsCurfew

The ATO has issued a release stating that rental properties are one of its four main focus areas for the 2022 returns now being submitted. The ATO urged rental property owners to ensure they carefully review their records before declaring income or claiming deductions. The release highlights common pitfalls, including the importance of keeping ade quate Assistantrecords.Commissioner

There appears to be a growing trend amongst Melbourne councils to bring in stricter policies when it comes to cat ownership. In April 2022, Knox Council implemented a 24/7 ban on domestic cats leaving their owner’s property. There will be a 6 month grace period where only warnings will be issued but then this will change to a $91 fine for first time offences, then jump to $545 for subsequent breaches starting in October In2022.July 2023, Bass Coast Shire Council will also implement a 24/7 ban on cats straying from their owners property. They intend to have a 12 month education drive in the lead up to this ban. Manningham Council have announced that they will be implementing a trial 24/7 ban but have not yet announced a date for this. The general consensus for this growing trend is to protect the wildlife with a side note about protecting the cats themselves from injury and illness. Protecting the wildlife is important and a night curfew will help with this, but I think it is up to the cat’s owner to worry about illness and injury. However, what about consequences?the Many outdoor cats help to keep the rodent population down. Will we suddenly see a spike in rats and mice throughout these Councils and neighbouring councils, potentially causing much bigger problems? There doesn’t appear to have been much thought given as to how local households will be able to implement this. Simply building a cat run or enclosing your property in a high fence will be costly (and potentially unsightly) and prohibit many low-income families from doing this. Locking cats up, particularly older cats that are used to being outside seems cruel and is no better than locking up a wild animal in a cage at the zoo. Families who are renting will likely be unable to get permission from their landlord to build an enclosure as well. Will this lead to a lot of cats having to be rehomed because the families can’t afford to catproof their property? As I am sure you can guess, I do have a cat. She is a beautiful tortoiseshell DMH who loves being outside as well as inside. We have a number of cats in our street, and once they established their pecking order, they all seem to get on really well and we quite often find one or two other cats sitting near or in our front yard a couple of metres from our cat. Although they don’t sit together, it appears they still like the company of each other. We ensure our cat comes inside overnight, as do our neighbours and often that means she has to come in by 4pm in the summer otherwise she hides from us so she can stay out. Our house also doesn’t get a lot of sunshine inside throughout the day so she would miss out on that precious light if we were to keep her in 24/7. What are your thoughts on a 24/7 ban on cats leaving their owners property? Email us at editor@findgeelong.com.au and we’ll publish your comments next month.

By Jodie Moore

By Warren Strybosch

• An application for release from the tax debt

“A credit rating is very important if you are highly leveraged, therefore this ability to provide this information so all can see is the thing that sometimes gets people to take note of the debt because it starts to impact their ability to finance their operations.”

• A payment plan and complying with the terms of the arrangement

8 FIND CASEY | AUGUST 2022 findcasey.com.au

“We’ve always asked for a tailored approach so if a business has been caught up in negative COVID scenarios then they [the ATO] should go soft, but if other businesses have thrived during COVID the tax office should go hard.”

The change applies only to sole traders with ATO debts that meet certain criteria.

Before disclosing a tax debt to CRBs, the ATO said it would send a written notice to the business that included steps that could be taken to avoid the information from being reported. As a sole trader it is important to work with your accountant and/or tax agent to make sure you can meet your meet your obligations going forward. That might mean setting up separate bank accounts to keep track of your GST, PAGW, and Super owing, so you have enough funds to pay those amounts when they fall due.

• An active review with the AAT of a reviewable decision that might affect the amount of a non-complying superannuation fund’s tax debt with the relevant regulator

• An active complaint with the IGTO in relation to the tax debt. Mr Greco said the ATO used the ability to disclose tax debt information to CRBs as a tool to influence businesses to take their debt seriously. “A lot of businesses treat the ATO as the lender of last resort so just don’t pay it,” he said. “When money becomes tight businesses just stop paying one of their creditors, and the easiest one is the ATO.

Mr Greco said the IPA wanted to see the ATO customise its approach for each “Taxbusiness.debts are a big problem and it has blown out for a good reason, the tax office was giving businesses a bit more leeway during COVID which was understandable,” he said.

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

Sole Traders – the ATO will now pass information on to Credit providers

By WarrenACCOUNTANTStrybosch

If you are a sole trader, you have not had to worry too much about any debts owing to the ATO. You would simply be placed on a payment plan and pay off what you can when you can. However, this is has now changed and the ATO is taking a harder stance against those business owners who owe money to the TheATO.ATO will now inform credit provides of debts larger than $100,000. This will have an impact on sole traders and partners seeking any type of finance e.g., home loan, investment loan or car finance, in the Generalfuture.manager of technical policy at the IPA, Tony Greco, said the move could provide a more even playing field for “Therebusinesses.arepluses and minuses, the pluses are it makes it more transparent that the market and all credit providers, including trade credit, get to see what level of debt the business has and it provides an extra impetus to that client to engage with the tax office,” said Mr Greco. “If you’ve got one business compliant and another not compliant then that’s an unfair advantage, so it promotes fairness in the tax system.”

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.

• An active objection against a tax decision to which the debt related

• An active review with the AAT or an active appeal to the court

“The rules are currently that it has to be over $100,000 and has to be related to a business debt and it also has to be when the business is basically not responding to current attempts to put it on the payment plan or to pay it,” said Mr TheGreco.ATOsaid that a business or sole trader effectively engaging with it would not be subject to CRB referral, even if the debt exceeded $100,000.

The ATO said effective engagement involved having:

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 9 9 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 Services (www.findagedcare.services) 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@findagedcare.services List Your Aged Care Facilities with Find Aged Care Services Website Today. 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.

WARREN STRYBOSCH

TOP

The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multiaward winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria. Find Group 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA

ResponsibilityEmployers–StaffWorkingFromHome

If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords If this is a situation currently causing you concern, and you’d like to explore. Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion. Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”. For a health check of your business insurance, contact Small Business Insurance Brokers via email smallbusinessinsurancebrokers.com.ausales@

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. 0418ancebrokers.com.auheightsafetyinsur300096Anyadviceinthisarticlehas 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).

By CraigGENERALAnderson INSURANCE Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”.

10 FIND CASEY | AUGUST 2022 findcasey.com.au

everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home. The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.

TheForum.two-day event will discuss leadership, nurse-led solutions to the nation’s most pressing health challenges, violence against nurses and the impact of climate change on health.

story is just one of many examples of the nurses’ selflessness and courage in the face of extreme danger,” Australian College of Nursing chief executive Kylie Ward said of Australian nurses’ service during the conflict. Their sacrifices will be remembered on Tuesday at a ceremony in the Northern Territory honouring nurses who lost their lives serving their nation. The event also commemorates the 80th anniversary of the sinking of the Vyner Brooke cargo vessel, the Bangka Island massacre in Indonesia and the bombing of “AustraliaDarwin. lost a remarkable cohort of highly-skilled nurses during three tragic events in February 1942,” Professor Ward “Thesaid.

Hundreds of nurses from across Australia are set to come together in the NT on Wednesday for the National Nursing

Major Drummond was among them but one nurse, Vivian Bullwinkel, survived to tell the story. She hid in the jungle for several days before surrendering to the enemy and spent the rest of the war as a prisoner. Of the 65 Australian nurses aboard Vyner Brooke, 12 were killed during the air attack or drowned when the vessel sank and 21 were murdered.

Australia’s WWII nurses honoured

The remainder became prisoners and eight nurses from that cohort died before the end of the war from the deprivations they suffered. The bombing of Darwin in the same month remains the largest single attack by a foreign power on Australia, killing more than 200 people and injuring hundreds more, including nurses.

Aaron (AustralianBunchAssociated Press)

About 150 survivors spent up to 65 hours in the water before wading ashore at Bangka Island, which had already fallen to the enemy. Many were taken prisoner, but 22 Australian nurses, among a group of more than 60 survivors at Radji Beach, were gunned down by Japanese soldiers.

“Every Australian should know the stories of the nurses who perished and survived the sinking of the Vyner Brooke, Bangka Island massacre and bombing of Darwin,” Prof Ward said. “Their legacy must be at the forefront of not just nursing history, but that of our Thenation.”ceremony at Darwin Military Museum will raise funds for two projects aimed at ensuring the history of the Bangka Island massacre is not forgotten.

bravery, compassion and expertise these nurses displayed continues to leave a lasting legacy on the profession Vynertoday.”Brooke was one of the last ships to flee Singapore carrying evacuees as the island city-state fell to the invading Japanese force. It sailed south carrying 181 passengers, including the last 65 Australian nurses in Singapore but it was sunk by Japanese aircraft two days into its voyage.

As more than 20 Australian nurses marched into the sea at Bangka Island with machine guns aimed at their backs, matron Irene Drummond stoically told her colleagues she was proud of and loved them all. Seconds later all but one of the cohort were dead, murdered by Japanese soldiers in February 1942 during World War “Irene’sII.

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 1111

• Reduced risk of maternal depression • Delayed return of menstrual period Infants who are breastfed are at a reduced risk of:

• Of been overweight or obese in infancy and childhood • Asthma

• Sudden infant death syndrome (SIDS) • Type 1 and type 2 diabetes

12 FIND CASEY | AUGUST 2022 findcasey.com.au

www.childrensosteopathiccentre.comLACTATIONSc/GradB.App.Sc(Clin.Sc)/B.Osteo.DipPaedsCONSULTANT

• Childhood leukaemia

At team at the Melbourne Therapy Centre see many babies and young families every week, assisting them with their lactation and health care needs.

From 1st - 7 August 2022, people around the globe have been celebrating World Breastfeeding Week. The theme for this year’s awareness week is Step Up for Breastfeeding: Educate and Support.

Mothers who breastfeed have: • Reduced risk of breast cancer • Reduce risk of ovarian cancer • Reduced risk of high blood pressure and heart disease

LACTATION CONSULTANT IT’S WEEK!BREASTFEEDINGWORLD

Dr. Joanna Strybosch Osteopath

protection available, there are so many reasons why breastfeeding is important for the health and wellbeing of both mother and baby.

WHY BREASTFEEDING IS IMPORTANT FOR HEALTH

As an International Board Certified Lactation Consultant (IBCLC), I am interested in supporting families to achieve their breastfeeding goals, whatever they may be. Breastfeeding is a learned skill, that improves with practice and is empowered by knowledge. With the right support and knowledge, with some patience and practise, most women are able to meet their breastfeeding goals.

As an IBCLC, my role is to help each mother make an informed decision about what is achievable and right for her and her baby, and then to give her the support she needs to be able to do that. This may be hands-on skills, knowledge and understanding of breastfeeding physiology and mechanics, compassionate nonjudgemental listening as well as health care Asideadvice.fromproviding the most perfect form of nutrition and the best immune Supporting families during World Breastfeeding Week at the Melbourne Therapy Centre.

• Acute ear infections

• Reduced risk of type 2 diabetes

• Gastrointestinal illness such as diarrhoea and vomiting • Respiratory illness such as pneumonia

By Dr. Joanna Strybosch

“Many households have also built up large financial buffers and the saving rate remains higher than it was before the “Thepandemic.boardwillbe

The Reserve Bank has lifted the official cash rate by 50 basis points to 1.85 per cent – its highest level in over six years. For someone with a $500,000 mortgage at the start of May, with 25 years remaining, the total increase across the four hikes would be $472 a month, according to RateCity.

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 1313

The bank’s central forecast is for CPI inflation to be around 7.75 per cent over 2022, a little above four per cent over 2023, and around three per cent over 2024, he said. He said higher inflation and higher interest rates were putting pressure on household budgets, with consumer confidence falling and housing prices declining in some markets after large increases in recent years. “Working in the other direction, people are finding jobs and obtaining more hours of work,” he said.

The rate rise came as the value of new loan commitments for housing fell 4.4 per cent in June, but remained at a historically elevated level of $31 billion, according to the Australian Bureau of TheStatistics.value of new owner-occupier loan commitments fell 3.3 per cent in June, while new investor loan commitments fell 6.3 per cent.

Treasurer Jim Chalmers told parliament it was “another difficult day” for Australian “It’shomeowners.notashock to anybody, but it will still sting,” he said.

Anneke Thompson, chief economist at CreditorWatch, said the rate of default by small businesses was expected to rise by a percentage point over the next Theyear.likes of Surfers Paradise in Queensland and Auburn in NSW are likely hotspots for mortgage defaults, flowing on to debt problems for local businesses.

He said the new government would “focus on what we can responsibly “Australiansinfluence”. know that we are in for a difficult time ahead when it comes to the storm clouds in our economy, but we are confident that we will emerge on the other side of this stronger than before.”

Treasurer Jim Chalmers told parliament it was “another difficult day” for Australian “It’shomeowners.notashock to anybody, but it will still sting,” he said. “Families will now have to make more hard decisions about how to balance the household budget in the face of other pressures like higher grocery prices and higher power prices and the costs of other essentials.”

“Families will now have to make more hard decisions about how to balance the household budget in the face of other pressures like higher grocery prices and higher power prices and the costs of other essentials.”

RBA governor Philip Lowe said in a statement after the board meeting the rate rises in recent months were required “to bring inflation back to target and to create a more sustainable balance of demand and supply in the Australian “Theeconomy”.board expects to take further steps in the process of normalising monetary conditions over the months ahead, but it is not on a pre-set path,” he said. “The size and timing of future interest rate increases will be guided by the incoming data and the board’s assessment of the outlook for inflation and the labour Themarket.”RBA is seeking to return inflation to its target band of two to three per cent from its current level of 6.1 per cent – the highest it has been since the early 1990s.

paying close attention to how these various factors balance out as it assesses the appropriate setting of monetary policy.”

Dr Lowe said inflation was expected to peak later this year and decline back to the target range.

The total number of dwellings approved fell 0.7 per cent in June, following a 11.2 per cent rise in May.

PropTrack senior economist, Eleanor Creagh, said it had been the fastest increase in rates since 1994.

Reserve Bank lifts cash rate to 1.85pct Paul (AustralianOsborneAssociated Press)

Income Protection Cover Income Protection Cover pays an ongoing monthly income for as long as you’re unable to work or until the end of the benefit period, whichever happens first. You can cover up to 70% of your income. Select from a range of benefit periods, from 2 years, 5 years or to age 65. Business Expense Cover You can’t afford to be sick if you’re selfemployed or running a small business. Business Expense Cover helps cover the fixed operating expenses of your business if you are unable to work due to sickness or injury. Similar to Income Protection Cover, you receive an ongoing monthly income (for a maximum of 1 year), but instead of replacing your salary, it covers your business expenses. This can help keep your business afloat while you’re on the road to recovery. Child Cover No one wants to see their child sick. But if it happened to your child, you’d want the best medical treatment available, and that can be expensive. Child Cover allows you to take up to $200,000 cover for kids aged between 2 and 18 and will pay a lump sum benefit if they suffer from a specified serious illness or in the event of their death. Helpful little extras (provided by some insurers) Some insurers provide the following quality features:

FINANCIALStrybosch PersonalPLANNINGInsurance: Types of Cover

• Paying the mortgage or rent • Paying for your children’s education

By Warren

Last month we discussed how much personal insurance you should consider having in place. It was a starting point and seeking professional financial advice is important to determine the right amount of cover for your needs.

You choose the type of cover and the benefit amount you need. To keep your cover in place, you need to pay your premiums. If you suffer an insured event while your cover is in place, you (or your beneficiaries if you’ve died) can claim the benefit amount, subject to satisfying the relevant terms and conditions. If the unfortunate happens, we will pay out on genuine claims. The conditions on which we pay out depend on the type of cover. Remember to consider this carefully before taking out cover and read the relevant PDS. What’s covered?

• Causes: Some types of cover are limited to accidents only, while others cover you for sickness and accident

where life insurance can help. Our range of life insurance covers can help you and your family financially if something bad happens to you. The right cover can help with:

• Events covered: Covers typically protects financially against sickness, injuries or death (or a combination of these)

Cover for your family when you’re Lifegone...Cover Life Cover can help ease the financial burden for your family if you’re terminally ill or die. With a lump sum benefit, your family can use the money to pay off the mortgage or other debts and maintain their current standard of living. You choose an amount of cover that’s right for you. Cover for you while you’re living Total and Permanent Disability (TPD) Cover Some sickness and injuries may end up leaving you totally and permanently disabled and unlikely to ever work again. TPD Cover pays a lump sum benefit that can be used to make modifications to the family home, access the best rehabilitation or simply provide money to live on. Income Protection Cover only covers up to 70% of your income, so TPD Cover can be used to top up the shortfall. Trauma Cover

• Covering out-of-pocket medical expenses How life insurance works Life insurance is there to pay you and your family when you need it the most. This could be anything from a temporary sickness or injury, through to a permanent disability or death. Life insurance products differ by:

• Covering your day to day bills, and

• Indexation: We will automatically increase your cover each year to ensure your benefit amount keeps up with inflation (premiums will increase in line with increased cover)

14 FIND CASEY | AUGUST 2022 findcasey.com.au

This month we are going to review the different types of personal insurances you can obtain. It is important to note that that not every insurer offers the below type of cover but they are available through different insurers. Again, seeking appropriate financial planning advice is important. Talk to a licenced financial planner and they can discuss with you what types of cover you should consider. Please do not go to a mortgage broker, the bank or a general insurance broker and ask them to provide you with personal insurance. That is akin to asking a masseur to perform surgery on you…they could do it but they are likely to botch it up. Go to the professionals if you want a professional job done right. Why life insurance is important We insure our cars, home, pet and even our health. But many of us neglect to insure our most important asset – our lives. Whether you need to take time off work to recover from a sickness or injury; change your lifestyle due to a permanent disability, or you die unexpectedly, without your income, it can have a huge impact on you and your family’s quality of That’slife.

If you suffer from a specified serious illness such as cancer, heart attack or stroke, a lump sum benefit paid upon diagnosis may help you access the best medical treatment, or pay down some of your debt. You can choose a benefit amount of up to $2 million, and you are covered for more than 40 specified conditions.

• Lump sum benefit vs daily benefit: Some types of cover pay the benefit as a one off lump sum, while others pay as an ongoing benefit amount. Insurance that makes regular payments typically cover you for the period that you’re out of action

• Provision for continuing cover: Once we issue your policy, we won’t change the terms and conditions or the premium you pay because of a change in your personal circumstances

• Worldwide cover: You are covered 24/7 anywhere in the world

helping clients for the past 20 years with their personal insurance needs. He has been a finalist for many financial planning awards, won a few awards of the years, and has been recognised as one of Australian’s top 50 most influential advisors. You are in safe hands with Warren. Booking link: personalmakewithAfterminute-phone-conversationhttps://calendly.com/findgroup/15-themeetingyouwillbeprovidedaFREEInsuranceReportsoyoucananinformeddecisionaboutyourinsuranceneeds.

Before accepting the cover that is being recommended to you, take time to read the PDS that should be provided to you prior to filling in an application for insurance. The PDS will go into great detail about each type of insurance and what you are covered for. Given not all insurers cover the same things, it is important you understand what your insurance is going to cover. Who should you talk to? If you are requiring a review of your personal insurances or wish to get some cover in place, then book a time with Warren Strybosch from Find Wealth Pty Ltd t/as Find Insurance. Warren has been

• Provision for upgrades: If we make changes or introduce new benefits to our products, we will pass this on to you

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 1515

We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General InsuranceWeDONOTprovide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice

Warren Strybosch You can call them on 1300 88 38 30 or www.findinsurance.com.auinfo@findinsurance.com.auemail and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

This information is current as at August 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.

Read the Product Disclosure Document (PDS)

What’s not covered? There are some situations where you’re not covered and when we won’t pay a claim. This includes not telling us the truth about your health or financial situation when applying for cover.

2022 TAX

Temporary fuel excise cut and fuel tax credits Apprentice wage subsidy programs 50% minimum pension drawdowns extended for another 12 months

Non-commercial losses and the Commissioner’s safe harbour Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by The50%.reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for businesses who claim fuel tax credits. All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets. Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected economic downturn due to COVID-19. The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

The business will be required to show necessary evidence to support using the safe harbour. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

ReleasedConsultationAnnouncement(11-May-2022)Updated:Announced:DateRoyalPassed(30-Mar-2022)Introduced(30-Mar-2022)ConsultationAnnouncement(29-Mar-2022)DateRoyalPassed(30-Mar-2022)Introduced(30-Mar-2022)ConsultationAnnouncement(29-Mar-2022)Assent(31-Mar-2022)ofeffect(30-Mar-2022)Assent(31-Mar-2022)ofeffect(30-Mar-2022)22-Mar-202012-Apr-2022period(21-Jun-2022)

Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year. This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023. This measure is intended to support retirees in managing the impact of the: recent volatility in financial markets, and prevailing low interest rates on their retirement savings. Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

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. A finalised tax determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). In this instance, the provision of financial accommodation will now be assumed. In practice, this means that sub-trust arrangements will have no additional benefits either in deferral of tax or repayment of loans.

Unpaid present entitlements and extension of repayments

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.

ATO scrutiny of s 100A family trust arrangements

17AUGUST 2022 | FIND CASEY

The ATO is allowing an extension for unpaid present entitlements (UPE) to private companies initially under an interest-only loan on the final repayment date. The practical compliance guideline deals with UPEs that were put on commercial investment terms 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.

Changes to Div 7A that practically end sub-trust arrangements

TAX UPDATES

The PCG has recently been updated to relate to arrangements ending in the 2017, 2018, 2019, 2020, 2021 and 2022 income years. However, as TR 2010/3 and PS LA 2010/4 have now been withdrawn, only UPEs that arose on or before 30 June 2022 are allowed.

The tax determination applies to trust entitlements arising on or after 1 July 2022.

On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings. These dealings are excluded from the anti-avoidance provisions. Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing.Trustees need to make sure that their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year.

SEE MORE Released(13-Jul-2022)ConsultationAnnouncement(23-Feb-2022)Released(19-Jul-2017)ConsultationAnnouncement(19-Jul-2017)period(19-Jul-2017)period(29-Apr-2022)Announcement(23-Feb-2022)Consultationperiod(29-Apr-2022)Released

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY R EAL E STATE HOUSE OF THE MONTH COMING SOON AUGUST 2022

Email your Rental Listings to Find Casey each week and we will update your Listing in the online community paper for FREE. FREE RENTAL LISTINGS ADVERTISINGFREE RENTAL LISTINGS ADVERTISING If you have any questions, contact Warren on 1300 88 38 30 or email to: info@findnetwork.com.au

on behalf of our residents and has issued a Planning Contravention Notice to the Stevensons Brothers Industries (SBI) as the operator of the site relating to the amenity impacts of the operation. For more information or to report odour concerns, please visit the EPA’s website

Planning Scheme Amendment C115 (the Amendment) to the Casey Planning Scheme enabled consideration of a refuse disposal facility at 950 Ballarto Road, Cranbourne South. The Amendment included a concurrent planning application for the use and development of the refuse disposal facility (Solid Inert Waste) and display of signage.

The Planning Panel handed down its report on 12 February 2014 and recommended to the Minister for Planning and Council that the proposal be approved. The reports can be viewed on the Victorian State Government’s website. Amendment C115 was approved by the Minister for Planning and published in the Government Gazette on 25 June 2015. A planning permit was issued by the City of Casey in alignment with the Ministers Planning Panel assessment. Why did Council extend the landfill permit?

Casey Council

Council is continuing to liaise closely with the Environment Protection Authority (EPA) regarding the odour being emitted from the SBI inert landfill in Ballarto Road CouncilCranbourne.isadvocating

The site was supported by State Government planning policy and specifically identified in the Metropolitan Waste Resource Recovery Strategic Plan as a site that could service solid inert waste disposal demand. The Amendment was exhibited by Council to the community during July/August 2013. Public exhibition included notices and material sent to approximately 1,400 landowners and occupiers, public notices in the local papers, and signage on site. The exhibition material included the proposed permit details and draft Inconditions.September 2013, state-wide changes were made by the Minister for Planning to the Farming Zone which had the effect of changing “industry” (which includes Refuse Disposal’) from a “Prohibited” use, to a “Permit required” use. An independent Planning Panel was appointed by the Minister for Planning to review the Amendment and submissions. The panel report considered the 17 submissions and a petition received through the exhibition period.

What is Council Doing? Council has issued a Planning Contravention Notice to SBI, as the operator of the site, relating to the amenity impacts of the operation. The permit relies upon compliance with the more detailed operating licence issued by the EPA. Council is continuing to advocate on behalf of our residents and meets regularly with EPA to ensure the issue is being addressed, as well as providing Council facilities and resources.

Why did Council issue a permit in the first place and did Council advise the community that a landfill permit would be issued?

Why can’t the EPA or Council take more compliance action against SBI, including closing the site down?

It is important that a coordinated enforcement strategy is adopted and Theapplied.EPA is the regulatory authority responsible for compliance and enforcement against SBI Landfill Pty Ltd for odour. The immediate focus is to abate the sources of odour and mitigate the impact on the local community as soon as Councilpossible.advancing further enforcement proceedings under the Victorian Planning and Environment Act (1987) at this juncture, risks jeopardising any proceedings under the Environment Protection Act (2017). It is also important to note State legislation does not give Council’s Local Laws authority to override EPA action and close down the site.

What authority is responsible for enforcement and compliance of odour for the landfill site? Under the Environment Protection Act, EPA is the lead authority for the enforcement of the site’s operating licence, including addressing any odour related issues. The EPA’s website includes details on what action they are taking to address the issue.

AUGUST2022

Frequently Asked Questions and WhatAnswersisthe issue? Odour being emitted from the SBI inert landfill has been impacting Botanic Ridge, Settlers Run, Brooklands Greens and Cranbourne residents. The landfill is an EPA licensed site which accepts solid inert material such as construction and demolition waste. The site also holds an EPA licence for waste and resource Morerecovery.information on the source of the odour is available on the EPA’s or SBI’s website

What happens if SBI do not fix the odour by the EPA deadline? EPA will decide on any action to be taken should SBI fail to meet compliance deadlines.

Initial estimates from SBI were between 8 Due to significant interest from the community, Council has extended the due date for submissions on the draft Hampton Park Hill Development Plan until 6.00 pm on Sunday 14 August 2022, giving residents more time (six weeks in total) to have their say on this important project.

Council

News

Why does the sealed section of Ballarto Road end just past the entrance of landfill and when is the rest of the road being made? What is being done to reduce mud on the road? Sealing of Ballarto Road just past the landfill entrance was a requirement on SBI as part of the planning permit for the landfill. The section beyond this point is likely to be made if the Royal Botanic

The rate at which the site is filled will be determined by several factors including disposal cost, industry activity and recovery of material before landfilling.

“Part of this site has been identified by the Victorian State Government, through the State-wide Waste and Resource Recovery Implementation Plan (Sustainability Victoria, 2018), as a significant site for waste and resource recovery. The future proposed transfer station will be an enclosed design to reduce off-site impacts of noise, dust and smell. The draft development plan sets the parameters under which any planning application will be considered. “The draft development plan is not a proposal to extend the life of the landfill at the site, which has a permit to operate until 2040. The landfill is currently filling its final cells and rehabilitation work at this site is expected to start within the next 10 years, over which time that area will be progressively turned into a public open Anyonespace.”

interested in this project is encouraged to go to our Casey Conversations page and complete the survey to have their say. Gardens Cranbourne upgrade their Ballarto Road entrance.

community information sessions • a separate virtual briefing with the Lynbrook Residents Association and Landfill Community Reference Group in July • Public notices, alerting the community to the opportunity to provide their input on the draft development plan, published in the local media, along with a media release which was issued on 6 July • letters were sent directly to about 2,600 properties in and adjoining the development plan area, making them aware of the draft Hampton Hill Development Plan, how they could participate in community engagement opportunities, and where they could find more detailed information about the project. This direct communication also included a detailed frequently asked questions information pack of some five pages.

More News & Updates

Trucks exiting the SBI site drive through a wheel wash to remove excess dirt from their tyres and a water cart and street sweeper operate to suppress dust and maintain the condition of Ballarto Road. Council is investigating measures which support discouraging truck drivers from parking on the verge of Ballarto Road. and 15 years, however this may change.

21AUGUST 2022 | FIND CASEY

The landfill planning permit has not been extended since it was first issued. How long will the site operate? The site will operate until it has reached capacity and is filled.

Council has also again reached out to the Lynbrook Residents Association to arrange another meeting with the MrCommittee.Turnersaid the draft development plan seeks to guide how land in this precinct will be used in the future, including the transition of the landfill site to parkland once the landfill ceases operating, setting aside land to facilitate local employment, providing more information on land use within the existing 500 metre landfill buffer, and the future provision of a contemporary enclosed transfer station to support the resource recovery needs of the community as outlined by the State Government. “The Environment Protection Authority (EPA) applied a 100 metre buffer around the landfill site when it was first established in the early 1990s, and about 15 years later the EPA extended it to a 500 metre buffer. Council is seeking to be transparent and making it clear on the development plan which area this buffer relates to and how this affects properties in that zone,” Mr Turner said.

City of Casey Manager Planning and Building, Duncan Turner said more than 290 written submissions on the draft plan have already been received, and encourage residents who are keen to share their views on any aspects of this plan to complete the survey. Consultation opportunities to date have •included:twovirtual

Adver tise your events for FREE on the following pages. Casey Are Not-For-Profityou in Casey Area? Are you NFP with an up-and-coming event? If so, email your event editor@findcasey.com.au and we will place it in the paper for FREE.

SUPPORT YOUR NOT-FOR-PROFITLOCAL

PlayEat Shop What’s On This Month Events Offers News 4 30MAYSEP

WHERE: Centre Court - near Woolworths

WHEN: Saturday 3 September, 11am - 2pm

FATHER’S DAY KING OF HAMMER CHALLENGE

Take the Father’s Day King of Hammer Challenge for the chance to win one of six $100 Casey Central gift cards*. There will be six rounds of competition starting at 11am, 11:30am, 12pm, 12:30pm, 1pm, 1:30pm. Players with the highest points at the end of each round wins!

For many retirees, one of the questions on their mind is whether they will be eligible for a Centrelink Concession Card and what will this entitle them to. We explore in this article the benefits pensioners can enjoy if they obtain the Pensioner Concession Card (PCC) compared to other Centrelink cards like the Low Income Health Care Card (LIHCC) and the Commonwealth Seniors Health Card (CSHC). National Benefits The following are the benefits provided by the abovementioned cards - PCC, LIHCC and CSHC:

Thresholds Thresholdamount Who it is for What towardscountsthethreshold What benefit you'll get back

Original Medicare Safety (OMSM)Net $495.60 Everyone in Medicare Your gap amount for the calendar year 100% of schedulethefee for out of hospital services.

Centrelink Concession Cards – Are they worth having? By Warren

1. Extended Medicare Safety Net (EMSN) Medicare Safety Nets can help to lower your out-of-pocket medical costs for out of hospital services. If you need to see a doctor or get tests regularly, you could end up with high medical costs. Medicare Safety Nets can help to lower your out-of-pocket costs. These can include: • seeing a doctor or specialist • some tests and scans like blood tests and CT scans. When you spend over a certain amount in a calendar year, you will receive a higher amount back. Services Australia will calculate the Safety Nets each calendar year, 1 January to 31 KeepDecember.inmind, your doctor’s visit or test will still cost the same. If you’re enrolled in Medicare, you’re eligible for Medicare Safety Nets. If you’re part of a family or couple you can combine your costs by registering as a family.

RETIREMENTStrybosch

What are the thresholds Medicare Safety Nets have thresholds. When you spend certain amounts in gap and out of pocket costs, you’ll reach the thresholds. Once you’ve reached the thresholds, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Services Australia for certain Medicare Onlyservices.verified payments count towards the threshold. Verified payments are when you pay for your health professional service in full, before you make a claim from Services Australia. If you have unverified payments, you’ll need to pay them before they count towards your threshold. Unverified payments are when you don’t pay your doctor’s fee before you claim from Services Australia. Read more about the difference between verified and unverified payments

Original Medicare Safety Net (EMSN)General $2249.80 Everyone in Medicare Your out amount for the calendar year 80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

MedicareExtended Safety Net Concessional(EMSN)- and Family Tax Benefit Part A $717.90 cardholdersConcession and families eligible for Family Tax Benefit Part A Your out of pocket amount for the calendar year 80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

AUGUST 2022

RETIREMENT

The threshold amounts are set each year from 1 January.

Did you know? 40.0% is the new permissible interest rate (up from 4.01%) that can be charged to calculate the daily payments for outstanding acccommodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

(Source: serviceaustralia.gov.au)

4. Australia Post If your client is a concession card holder, he is eligible for a MyPost account which entitles him for free stamps discounts on mail hold or mail redirection.

2. Pharmaceutical Benefits Scheme (PBS) Pharmaceutical Benefits Scheme provides benefits to both concession and non- concession card holders. Concession card holders can use the PSB to pay $6.60 for each medicine as a maximum limit while the non- concession card holders can use PSB to pay a maximum of $41.30 for medicine.

findcasey.com.au AUGUST 2022 | FIND CASEY AUGUST 2022 | FIND CASEY 2727

The Department of Health and Aged Care sets threshold amounts each year from 1 January.

If a concession card holder is able to pay $ 316.80 which is equivalent to an amount for a calendar year PBS safety net threshold, then their medicine will be free for the rest of the Foryear.your clients to know about the medicine’s PBS eligibility they could visit this site (http://www.pbs.gov.au/browse/ medicine-listing)

5. Other benefits: The following benefits are provided by the PCC yet are not provided by the LIHCC and CSHC: Hearing Services This includes hearing assistance or aids and assistive listening devices that are subsidised. TelstraPCCholders are eligible to avail home telephone discounts. State Benefits

Benefit Type PCC LIHCC CSHC Seniors Council Rates Up to $250 Water $526 Energy Up to $285 Up to 285 Gas Up to $110 Up to $110 Drivers Licence $60 Car Registration $381 Value $1,612 $395 Table 1: NSW mainstream concession card benefits p.a. i. Sydney Water typical changes example for water and wastewater (stormwater mot included). ii. Based on yearly renewal fee. iii. Car between 1,155kg - 1,504kg. You might benefit from other concessions like public dental services- PCC, LIHCC and CSHC; ambulance services- PCC, LIHCC and CSHC; and medical Energy rebate- PCC and LIHCC.

Benefit Type PCC LIHCC CSHC Seniors Council Rates Up to $200 Water Up to $120 Electricity $341 $341 $341 Gas $76 $76 Car Registration $170 $170i $170 Spectacles $50ii $50ii $50ii Value $957 $637 $391

How they work Medicare Safety Nets have thresholds. These are the dollar amounts you need to reach in gap and out of pocket costs to be eligible. When you’re eligible, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Service Australia for certain Medicare services. A Medicare benefit is the dollar amount Service Australia pays you when you’ve made a claim for a medical service. This is usually 85-100% of the schedule fee. A schedule fee is the dollar amount the Australian Government sets for each medical service. The MBS Online website lists the schedule fee amount. You can search the MBS by keyword or item number to find the schedule fee amount.

3. Bulk- Billed Doctor Visits This benefit is for doctors. Medicare will give higher pay for doctors who are treating concession card holder. So, unlike the usual practise with other patients, bulk bill is applicable to concession cardholder.

1. New South Wales Seniors card eligibility in this state consists of: (1) age 60 or over, (2) working 20 hours or less per week, (3) permanent resident of NSW, and (4) a holder of a green Medicare Card.

Benefit Type PCC LIHCC CSHC Seniors Council Rates Up to $247 Water Up to $346 Electricity $402 Up to $402i Gas $177ii $177ii Car Registration $423 $153i Value $1,595 $1,078

3. Queensland In Queensland, the seniors card eligibility includes (1) 65 or over, or 60-64 plus holder of PCC, LIHCC or CSHC; (2) working less than 35 hours per week; and (3) permanent resident resident of Queensland.

Table 3: QLD mainstream concession card benefit p.a. i. Assume four cylinder vehicle and concession card issued after 1 July 1994. ii. Eligible for one pair every two years if held card at least 6 months. Assumes a cost of $100.

i. Victorian Health and Human Services Department example, $100.62 off $672 quarterly bill. ii. Victorian Health and Human Services department example, $88.54 off $580 quarterly bill (only available for charges between 1 May and 31 October). iii. 3000 postcode, includes Transport Accident Charges (TAC). You might benefit from other concessions in Victoria like nonmains water concession- PCC and LIHCC; excess electricity concessions- PCC and LIHCC if electricity bill is greater than $2,973 p.a.; and excess gas concession- PCC and LIHCC if gas bill is greater than $1,644 p.a.

Table 2: VIC mainstream concession card benefit p.a.

2. Victoria Seniors card eligibility includes (1) age should be 60 or over; (2) working less than 35 hours per week; and (3) permanent resident of Victoria.

6. Tasmania Tasmania requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of Tasmania. Car Registration $109 $109 Dental $105ii $105ii Spectacles $70iv Value $1,329 $1,259

Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $200 Garbage $46i Water Up to $800 Electricity Up to $1,200 Drivers License $33 Spectacles Up to $251 Value $2,684 $55 Table 8: NT mainstream concession card benefit p.a.

You might benefit from other concessions in South Australia from the following: (1)will and Enduring Power of Attorney discounts with Public trustee for PCC and TAS senior card; (2) wigs for cancer patients for PCC holder; (3) right to information request fee waiver ($41.25) for PCC and LIHCC.

Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $750 Fire and emergency services levy rebate $98 Utilities Up to $800 Up to $800 Drivers Licence $41i $27 Car Registration $401 $40 Spectacles $100ii $100ii Value $2,190 $927 $40 Table 7: ACT mainstream concession card benefit p.a.

Recognition Scheme and can receive a $ 500.00. Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $326 Up to $326i Water Up to $205 Up to $205i Electricity Up to $514ii Up to $514ii Table 6: TAS mainstream concession card benefit p.a. Warren Strybosch Contact them on 1300 88 38 30 info@findretirement.com.au | www.findretirement.com.au This information is current as at August 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 obtainyourownindependentfinancial,legalortaxadvice.YoushouldreadtherelevantProductDisclosureStatement(PDS)beforemakinganydecisionaboutaproduct.Whileallcarehasbeentakentoensuretheinformationisaccurateandreliable,tothemaximumextentthelawpermits,AllianceWealthanditsrelatedbodiescorporate,oreachoftheirdirectors,officers,employees,contractorsoragents,willnotassumeliabilitytoanypersonforanyerrororomissioninthismaterialhowevercaused,norberesponsibleforanylossordamagesuffered,sustainedorincurredbyanypersonwhoeitherdoes,oromitstodo,anythinginrelianceontheinformationcontainedherein.

28 FIND CASEY | AUGUST 2022 findcasey.com.au You might benefit from other concessions in Queensland from the following: (1) boat registration discounts- PCC and QLD seniors card; (2) some public dental services- all four cards; and (3) medical aids and equipment- PCC, LIHCC and QLD seniors card. 4. Western Australia Western Australia requires the following for seniors card eligibility: (1) age of 64 or over; (2) working less than 25 hours per week; and (3) permanent resident of Western Australia. Benefit Type PCC Seniors + CSHC LIHCC Seniors CSHC Council Rates Up to $750 Up to $750 Up to $100 Water Up to $600 Up to $600 Up to $100 Electricity $300 $300 Drivers license $44 $44 $22 Car Registration $240ii $240ii Dentaliii $75 $75 Spectacles $27iv $27iv Value $2,000 $1,625 $375 $249 Table 4: WA mainstream concession card benefit p.a. i. With Synergy or Horizon Power. ii. 50% discount off example from WA department of transport, a car weighing 1,650 kg. iii. Assumes cost $150 p.a. iv. $53.85 every two years. 5. South Australia South Australia requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of South Australia. Table 5: SA mainstream concession card benefit p.a. i. Must not be living with anyone with more than $3,000 p.a. income, unless a spouse or receiving a Centerlink allowance. ii. District zone one. Benefit Type PCC LIHCC CSHC Seniors Cost of living concession $217 $217 $109 Emergency services levy remission Up to $46 Up to $46 Up to $46 Water Up to $440 Up to $440 Energy Up to $234i Up to $234 Up to $234i Drivers License $24 Car Registration $129ii Value $1,090 $937 $389 You might benefit from other concessions in South Australia from the following: (1) subsidised glasses for full pensioners and contact lenses for PCC and LIHCC holders; (2) medical heating and cooling concession for PCC, LIHCC and CSHC holders; and (3) personal alert systems rebate for eligible PCC holders who are 70 yrs. Old or over.

8. Northern Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; and (2) permanent resident of NT.

7. Australian Capital Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of ACT.

i. Pro-rated discount on five-year $204.90 licence. ii. Car 1,155 - 1,504 kg. iii. $200 subsidy every two years. You might benefit from other concessions in South Australia from the following: (1) free or reduced ambulance fees for PCC and LIHCC; and (2) green waste concession($ 50) for PCC and MyWay seniors card.

i. If TasWater client, up to $479 if not. ii. Maximum daily concession multiplied by 365. iii. $45 co-payment for subsidised general check-up. Assumes total cost of $150. iv. 70% discount, assume one pair per year, need to meet additional income and assest test.

i. Darwin rate. ii. Up to $502.20 every two years for the individual and their registered dependents. Those who are 65 and above are entitled to join the NT Seniors

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

PROFESSIONAL SERVICESPROFESSIONALPAGES SERVICES INDEX PROFESSIONAL SERVICES • Find Accountant ----------------- 30 • Find Insurance -------------------- 31 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 00 • Life Coach --------------------------- 00 • Signages ------------------------------ 00 • Mortgage Brokering ----------- 00 • Solicitor/Lawyer ------------------ 00 Special Tax Return Offer Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation 1300 88 38 30 $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf. Email your artwork to editor@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findcasey.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email editor@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:

31AUGUST 2022 | FIND CASEY PROFESSIONAL SERVICESPROFESSIONALPAGES SERVICES We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General Insurance We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: Visit Us Here When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418 Leadership and Parenting Disruptor Lesley Banton 0432 848 www.theparentwhisperer.com.au418 Einstein once said: “We cannot solve our problems with the same level of thingking we created them. Likewise we cannot solve our current issues for the generations today with the same thinking, rules and conditioning of the past! Melbourne’s Best Kept Parenting Secret Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing. Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797. Height Safety Insurance Brokers ABN: 26689211803 0418 300 096 | www.heightsafetyinsurancebrokers.com.ausales@heightsafetyinsurancebrokers.com.au Australia’s Trusted Height Safety Insurance Brokers CRAIG ANDERSON GENERAL INSURANCE

PAGES INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00 LOCAL TRADIES Email your artwork to editor@findcasey.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to Go to www.findcasey.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findcasey.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait Are you a Tradie? Need referrals? Consider joining the Find Manningham Network group. If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 editor@findcasey.com.au TRADIES - FREE ADVERTISING

33AUGUST 2022 | FIND CASEY PAGES LOCAL TRADIES The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist. Contact Us Areas of Clinical Focus info@childreansosteopathiccentre.com 03 9876 3011 www.childrensosteopathiccentre.com OsteopathDrLactationB.App.Sc(Clin.Sc)B.Osteo.ScGradDipPaedsConsultant(IBCLC)JoannaStrybosch • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly and Torticollis • Tummy Time, Rolling and Crawling • Walking, Limping and Balancing • Sleep Challenges • Dental and Orofacial Myology • Breathing Retraining • Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 33 • Swen Pouches ---------------------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00 If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 BUSINESSESeditor@findcasey.com.auDo you provide Health and Beauty services in the Manningham region?

AdvertisingFREEReligiousPractitionerStories&ServicesServicesTimesPublic Notices Casey 1300 88 38 editor@findcasey.com.au30 AUGUST 2022

35AUGUST 2022 | FIND CASEY FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findcasey.com.au Religious Practitioner Stories & Services

AUGUST Birth,2022 Deaths &YOURSENDMarriagesUSNEWS!Casey 1300 88 38 editor@findcasey.com.au30 FREE Advertising is available related to Death Notices, Funeral Notices, Births Marriages.and

37AUGUST 2022 | FIND CASEY Birth, Deaths & Marriages AUGUST 2022 Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findcasey.com.au

CASEY Support your Local Not-For-Profit Find Coffee Buy 1 Get 1 Offers Find Dining Fine, Contemporary & Bistro SupportFundRaisingYourLocalCommunity Find Travel Entertainment&FunforAllAges Great Local Deals Buy 1 Get 1 FREE Offers Up to 50% Off Find Takeaway Fine, Contemporary&Bistro Find Brunch,Brekky,LunchCafés&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. FREE

LOCAL COUPONS Up to 50% of generated funds goes to Not-For Profit organisation. 31 January 2022 - 31 January 2023 FIND CARD LOCAL OFFERS PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findcasey.com.au/registerPleaserefertoPage54 LOCAL COUPONS OFFERS SAMPLE

TABLE OF CONTENTS BUSINESS NAME CARD NO. PAGE NO. FIND COFFEE COMING SOON FIND BREKKY, BRUNCH & LUNCH FINDFINDENTERTAINMENTTAKEAWAYFINDTRAVELFINDDINING CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO.

Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS 1300editor@findcasey.com.au883830

Dining

SAMPLESAMPLE

SAMPLESAMPLE

& Brekky,LunchBrunch FIND ADVERTISING COUPONS 1300editor@findcasey.com.au883830 The best memories are made when gathered around the table

45AUGUST 2022 | FIND CASEY SAMPLESAMPLE

Coffee COFFEE WITH A FRIEND IS AHAPPINESSCAPTURINGLIKEINCUP. FIND ADVERTISING COUPONS 1300editor@findcasey.com.au883830

SAMPLESAMPLE

Takeaway You don't need a silver fork to eat good food FIND ADVERTISING COUPONS 1300editor@findcasey.com.au883830

49AUGUST 2022 | FIND CASEY NEW OFFERS COMING SAMPLE

FIND ADVERTISING COUPONS 1300editor@findcasey.com.au883830

SAMPLESAMPLE

SAMPLESAMPLE

SAMPLESAMPLE

Non-Transfer

&

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.

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.

Coupons

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

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

the Find Cards and/or Find Coupons can be found here. Find Cards Policy Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer). Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered. Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

NOTVALIDVALID

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

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentocation code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you. Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card.

Copyright 2022 Find © Pty Ltd.

PRESENT VALID FIND CARDS

AUGUST 2022