Find Casey - June Edition 2021 by Find

Casey The

JUNE 2021

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

CASEY COUNCIL NEWS

FIND BIRTH, DEATHS & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER CASEY

MarkMogato

SEE PAGE 04 FOR THE SPECIAL FEATURE

SEE PAGE 04 FOR THE FULL ARTICLE

THE RENT AFFORDABILITY CRISIS info@findaccountant.com.au| www.findaccountant.com.au

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

EDITOR | WRITER

BOOKKEEPER

ARCHITECT

MORTGAGE BROKER

NEHA NAYYAR

KATHY ISMAIL

REECE DROSCHER

SIGNAGES

SOLICITOR

SUSAN PIEROTTI LACTATION CONSULTANT

GENERAL INSURANCE

CHANTAL DJURIC

IVANA SMITH

CRAIG ANDERSON

GARAGE DOORS

JOANNA STRYBOSCH

COMMERCIAL COFFEE MACHINE HIRE

GLENN MARTIN

DAVID HEASLEY

NATURE & CONSERVATION

JOURNALIST

ELECTRICIAN

MARKETING

LIZ SANZARO

Are you our next journalist?

Are you our next electrician?

Casey 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

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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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/findcasey) so you keep up to date with what we are doing. We value your support, The Find Casey Team.

Ban on overseas travel valid, court says Paul Osborne (Australian Associated Press)

A bid to overturn Health Minister Greg Hunt’s ban on Australians travelling overseas has been dismissed by the Full Court of the Federal Court. Lobby group LibertyWorks had argued the restriction, imposed due to the coronavirus pandemic, was invalid and unduly impinged on individual rights. Apart from the recent opening of the New Zealand travel bubble, people seeking to travel overseas have since March 2020 had to get a special exemption from the Department of Home Affairs. The think-tank challenged the ban after one of its employees could not get an exemption to travel in late 2020. But the case was dismissed by the court on Tuesday. LibertyWorks was also ordered to pay the federal government’s costs. Section 477 and 478 of the biosecurity act allows the health minister to require or direct people to follow certain biosecurity

measures once a pandemic has been declared. Solicitor-General Stephen Donaghue QC, representing the Commonwealth, told the court on May 5 that upholding LibertyWorks’ case would scupper the ability of the federal government to order people to wear masks, do contact tracing or keep people out of aged care homes.

He noted the health minister was restricted in imposing requirements on a specific person in a way that could identify them. But the determination restricting outbound travel “does not single out” particular people, Mr Donaghue said. The court is expected to publish its written reasons later on Tuesday. JUNE 2021 | FIND CASEY

FIND CASEY | JUNE 2021

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Housing Affordability In Australia – A Rental Crises By Warren Strybosch

The crisis around the affordability of rent is becoming an increasing issue for everyday Australians. Currently, the crisis is not about affording your own home but rather about the ability to afford the rise in rental costs. With the increase in the cost of living, rental prices going up, COVID restrictions, no real increase in wages, and many investors moving back into their own investment properties, we are starting to see more and more families being displaced from their rental properties. Many people are finding it difficult to afford a home to live in. We are not talking about the ability to purchase a home but simply the ability to pay rent so you have a roof over your head. What is housing affordability? The term ‘housing affordability’ usually refers to the relationship between expenditure on housing (prices, mortgage payments or rents) and household incomes. The concept of housing affordability is different to the concept of ‘affordable housing’, which refers to low-income or social housing. Affordability for owners Housing affordability in Australia has broadly declined since the early 1980s. The OECD’s price to income ratio index shows an 82% increase between 1980 and 2021 with the house price-to-income ratio in Australia now at 10.3.50. The house price-to-rent ration in Australia is estimated at 114.4. This indicates how strongly the property market with rent prices continue to increase.

Home values up almost 10 per cent over the year The CoreLogic Daily Home Value Index has revealed that home values across the combined five capital cities have risen by 9.9 per cent year-to-date, and 9.0 per cent over the past 12 months.

(Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

Loans for investment properties continue to gain pace, while owner-occupied lending slowed in April, according to new APRA data. The latest monthly authorised deposit-taking institution (ADI) statistics from the Australian Prudential Regulation Authority (APRA) have showed that total residents’ loans and finance leases increased by 0.2 per cent ($6 billion) over the month of April. In home lending, owner-occupied loans grew by $6.9 billion or 0.6 per cent. However, the rate of growth continues to slow, having previously increased by 0.7 per cent ($8.3 billion) in March. Investor lending has also continued its upward trajectory, with investment lending increasing by $2.1 billion or 0.3 per cent in April. This increased on March’s growth rate when it rose 0.2 per cent ($1.6 billion). Even with increasing property values, investors are still purchasing a lot of the properties in the marketplace, which is placing additional pressure on those seeking their own homes and those seeking affordable rentals. With increased purchase prices, investment owners will want to see more rent being brought in even though interest rates are at historical lows.

Even with Victoria’s lockdown 4.0, this has failed to dampen the auction market in Melbourne, according to CoreLogic. The property research group’s auctions data for the week ending 30 May revealed that there were 1,264 homes taken to auction in Melbourne compared to 261 auctions held in Melbourne this time last year. Despite actions being closed due to lockdown, auctions volumes remained strong in Melbourne, while CoreLogic recorded a preliminary clearance rate of 72.8 per cent in the capital city.

(Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

Affordability for renters The ABS’ Housing Occupancy and Costs publication indicates that the proportion of households which are renters has increased from 26% to 31%. In addition, the proportion of households renting from private landlords has increased from 18% to 26% over the same period.

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On average, private renters spend more of their gross household income on housing costs than other tenure types. Specifically, the ABS reports private renters spent 20% of their gross household income on housing costs, compared with 16% for those with a mortgage. The cost of renting privately has increased significantly. The ABS’ Housing Occupancy and Costs publication indicates a 62% increase in average weekly housing costs (after inflation). This compares to a 42% increase for owners with a mortgage and 45% for public renters.

JUNE 2021 | FIND CASEY

higher income households can spend a higher proportion of their income on housing without experiencing problems, they are often excluded from these types of analyses. Consequently, a ratio of 30/40 is often used as a benchmark— that is, if households that fall in the bottom 40% by income spend more than 30% of their income on housing, they are defined as being in housing stress. The Solution

(Source: Reiv, https://reiv.com.au/market-insights/victorian-insights)

This increase in rental costs is placing significant pressure on those families living in rental properties, especially, single mothers who have predominate care for the children. This ‘housing stress’ needs to be addressed by all sides of parliament. What is housing stress? A household is typically described as being in ‘housing stress’ if it is paying more than 30% of its income in housing costs. As

There needs to be a way to boost the supply of affordable rental housing through innovative housing models. If the supply of affordable housing is to be increased sufficiently to meet mediumto long-term demand, then this could be met through (among other things) institutional investment in the affordable end of the residential market. The main barrier to such investment would appear to be that institutional investors have shown relatively little interest in affordable housing, largely due to perceptions of risk and affordable housing’s comparatively low returns. If investors’ reluctance is to be overcome, then it is likely that this will require government incentives and the introduction of some form of financial instrument (like the discontinued National Rental Affordability Scheme). JUNE 2021 | FIND CASEY

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Pre-approvals

By Jodie Moore

When it comes to buying a new home and getting a home loan, it can be difficult to get the two to match up timewise. Many lenders are currently taking weeks, sometimes even 1-2 months to look at a home loan application which doesn’t help you when you sign a contract for a new house with only a 2-4 week finance clause. By starting the home loan process before you even begin looking to buy a property, you can usually reduce the time for an approval with the added benefit of knowing before you start looking what amount lenders would be willing to lend to you. A pre-approval also shows sellers that you are serious about buying and know that you can afford the property. You often find that a seller will accept an offer from someone who has a pre-approval in place ahead of someone who has not started their finance application yet. What is involved in a Pre-approval? The process is the same as if you wanted the home loan unconditionally approved in that you will need to supply your income/employment details, everyday living expense details etc. The main difference is that you cannot yet provide details of the property for them to decide if it is a safe risk for them to use as security on your loan.

Once you find a property, the lender will do a valuation on the property to ensure you have not paid too much for it, which increases the risk, to what you have offered. Many lenders will provide a pre-approval based on the figures you supply without doing any checks. This can come back to burn you though if they then find something they do not like in your application and subsequently decline your application after you have found the property. Ideally you want to find a lender who does a full check

of your details and paperwork before offering a pre-approval so that the only detail missing is the property details. Your Mortgage Broker will be able to help you find the right lender or will advise what will be required once you have found your new home. If you are thinking about buying a new home within the next six months, call me and let’s make sure you have the best chance of getting the right loan for you.

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Home Elusive Home I've been joking with my friends that house hunting for a rental isn't too different from online dating. It's endless scrolling through promising options only to find out that the photos are very old or the size of the "property" is conveniently skewed. Laughing about it seems like a much better alternative to crying. Even so, there have been tears these past few weeks since finding out that my landlords are moving back in. Despite having braced myself for the announcement and telling myself that this time I wouldn't allow myself to be overcome with anxiety, the consuming squeeze instantly returned and my lungs felt as if they lost 80% capacity. You see, I've already had to find a new home three times in the 9 years of being a solo mum in Melbourne, and honestly, I don't know if I have it in me to face the harsh process yet again. This is what people don't seem to realise. I'm not "house hunting". I am in fact searching for a 'home' for me and my two teenage daughters and there is a big difference. An investment property can be referred to as a house. As can a building that is purely going to be functional. However, that's not what I'm looking for. I want a home for me and my kids. A home where we create memories for the next chapter and a place that we will look back on as part of our story. I want my next home to reflect who we are. Aesthetics are really important to us. So is light. So is smell. So is greenery and the lack of noise. Looking at rentals that fit my budget means that I need to overlook those really important aspects as to what makes a home for us. And sadly, even if I apply for one of these lacklustre properties, it's highly unlikely that I will be accepted as a tenant. The last two times that I had to move it took me over three months of searching

to find something, and even then, it was because of a connection to a friend with a house and not an agency that accepted us. Apparently not being partnered means that my application gets put at the bottom of the pile. In fact, last time when I was searching there was a landlord that preferred having his house empty for 6 weeks over Christmas instead of taking a risk with a single mum, even when I offered to pay two months of rent in advance. When other solo mothers hear that I'm trying to find a rental they all say that it's impossible unless I ask a man to sign the application form with me, pretending to be my partner. I'd be lying if I said that I hadn't considered it. But honestly I don't even know who I would ask for such an uncomfortable favour and I seriously doubt that there are many men out there who would feel confident stepping in with someone unless it was a really close friendship. It's almost impossible not to feel hopeless about the situation and I keep daydreaming about ways to circumvent the system. I have a few helpful friends sending me links to co-ops and shared housing programs but everything has a long waiting list and even the best case scenario means that I'll have months of being homeless until a place becomes available. This past weekend I met a 70 year old woman, who like me, has spent most of her adult life as a solo parent. I stepped into her sunny home surrounded by a gorgeous patio full of thriving plants and flowers. Her living room was painted yellow and she had art and posters on the walls that indicated a vibrant and rich life. I could totally picture myself living in a home like this and asked her if she owned it. It turned out that she did and went on to explain that she was very very lucky.

Apparently when she was a young mum trying to find a rental for herself and her daughter, the government set up a scheme where solo parents only had to save up for a very reasonable deposit and then their mortgage repayments were capped - no higher than 25% of income. I could hear myself sighing as she told me what this had meant for her at the time. No more dreaded moves, an opportunity to grow roots, find connection with her local community, and the opportunity to create long term friendships with her neighbours. I don't even allow myself to dream about belonging to a place that reflects who we are as a family. Sometimes I think back to when I was going through my divorce and how much I had hoped that there was a way for me and my four children to be able to stay in our home. If I had known then how difficult it would be to find rentals in Melbourne would I have tried harder to gain ownership of our house? In only 9 years the house I used to own has doubled in value for my ex-husband while I'm now attempting to find our fourth home to rent. It really isn't a fair system and something that our leaders should be prioritising to change. While we wait for that to happen I really hope that landlords realise how challenging it is for us solo parents to find homes for ourselves and our children. As well as understand what a huge impact they can have by choosing a solo parent as their future tenant even if it means not having the security of two incomes on the application. The long term impact on a solo parent and their children is a beautiful contribution to a kinder and safer society that all of us will ultimately benefit from. Written By Veronica Sherman www.happilymade.com.au JUNE 2021 | FIND CASEY

FIND CASEY | JUNE 2021

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Moving House Not What You Expect By Susan Pierotti

A family of mum, dad and two adult sisters was renting a house in Croydon which was sold in November 2020. They had six months to find somewhere. Sounds easy? Nope! They began their search immediately, contacting real estate agents in the Croydon, Ringwood, Warrenwood and Wonga Park areas. They found it difficult even to find a home that could fit 5 adults in, their 26-year-old son now moving back in with them to help pay the rent. Their research discovered homes that looked good on paper or on the internet but weren’t quite right in reality. One house looked lovely from the front, with views over the Dandenongs at the back. However, the bathrooms and bedrooms at the back overlooked other properties and had obligatory frosted windows that blocked views and light. Another had a kitchens and bathrooms that were shoddy. Others were smaller than the photos implied. The house they eventually were able to rent (finding it five and a half months after they started

looking) is in a court with not much room for the garbage truck to turn around. All the other dwellings customarily dump their rubbish bins on this family’s nature strip. That wasn’t in the real estate agent’s report!

One Quarter Of Vaccines Sitting Unused Paul Osborne (Australian Associated Press)

New figures show almost a quarter of all available doses of the COVID-19 vaccines are not being used. The federal health department on Monday released data comparing the availability of vaccine doses and the number of jabs delivered. Nationally, dose utilisation as of week 12 of the vaccine rollout was 77 per cent.

NSW (78

The Northern Territory had the worst lag of all the jurisdictions, with 47,652 doses available and 22,953 administered, giving it a utilisation rate of just 58 per cent.

Victoria (77 per cent)

Queensland was the worst performing state, with 317,810 doses available and 170,330 delivered – or a usage rate of 64 per cent.

ACT (82 per cent).

Across the other states and territories rates were: Tasmania (90 per cent)

WA (80 per cent) SA (79 per cent)

The health department found all doses available for the aged and disability care program were being used, while the commonwealth primary care program was at 75 per cent utilisation. So far, 3.1 million doses have been administered nationally. Health Minister

Greg Hunt said some adjustments may be needed in the states and territories. “We are encouraging all the states and territories – who we believe are doing an excellent job – to continue to use their vaccines,” he told reporters in Melbourne. “And where they feel that they have more capacity to open up channels, or where they feel they are using their capacity, to adjust their ordering.” Commodore Eric Young from the Vaccine Operations Centre said utilisation rates had dropped when the vaccine program was “recalibrated”. But the rates were now improving, he said.

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SUPPORTING RETIREES: A Temporary Reduction in Superannuation Minimum Drawdown Rates

By Warren Strybosch

On the 29th of May, the Morrison Government announced an extension of the temporary reduction in superannuation minimum drawdown rates for a further year to 30 June 2022. As part of the response to the coronavirus pandemic, the Government responded immediately and reduced the superannuation minimum drawdown rates by 50 per cent for the 2019-20 and 2020-21 income years, ending on 30 June 2021. The announcement extends that reduction to the 2021-22 income year and continues to make life easier for our retirees by giving them more flexibility and choice in their retirement. For many retirees, the significant losses in financial markets as a result of the COVID-19 crisis are still having a negative effect on the account balance of their superannuation pension. This extension builds on the additional flexibility announced in the 2021-22 Budget. The Morrison Government will continue to support retirees as part of our plan to secure Australia’s economic recovery from COVID-19.

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@findretirement.com.au

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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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Croydon Heroes And Iconic Places NATURE & CONSERVATION By CSS Committee Member

Jim Burns is an iconic figure in Croydon. His pharmacy on the corner of Main St and Devon Avenue is the life line for many in our community. For many decades Jim has divided his time between service to the community through a drug rehabilitation clinic, being an active reserve Army member, and for more than fifty years being a committee member of Croydon Conservation Society. He is passionate about Croydon, it’s community and holding dearly the community connections and the environment that we enjoy. Recently he was honoured with street art to acknowledge him often being the first person to go to in need of help, hence the concept of the band-aid.

The Memorial Pool With Jim Burns being deservedly recognised for his life of kindness and responsibility, I'd like to bring up a topic that is dear to his heart. Do you know why the Croydon outdoor pool is called the Memorial Pool? It's because after the World Wars the people, groups and businesses of Croydon donated money to build a pool for the whole community. The Council broke the back of the pool several years ago in an effort to save money, they got the deep end filled with concrete after removing the diving tower. They are now keen to shut the pool down and remove it from the people who paid for it. The Memorial pool is not only a hole in the ground filled with water; it's a natural gathering place for rich life experiences that many of you remember. Here's a response I sent to Council. The words were developed after speaking with Jim and other members of the Croydon Conservation Society. I hope this might strike a chord with anyone who's grandparents and parents fought in the Wars for the benefit of all and came back to build a pool for the benefit of all. "Croydon Memorial Pool - do we need it when there's a chlorinated hot pool over the road? Let's start by asking, who paid for the Memorial pool? What significance does it have to the local people who paid for it after the Wars with donations from individuals, retail traders and community groups? What role does the Croydon Memorial Pool hold for the people who use it and learnt to swim there with their schools? Would closing the pool add to the growing forgetting of "Lest we forget?" in the same way as shifting the War Memorial to a less prominent place? Are there people in the community who will fight to protect the asset they created out of nothing? Are these same people still angry that the pool was destroyed by an ill- advised attempt to make it shallower? Do dark, noisy, extremely chlorinated indoor pools provide the same kind of natural, gentle, coming of age experiences as a beautiful outdoor pool surrounded by grass and trees, rich with the sweet smells of sunshine, suntan lotion and puberty? If, despite objections, the pool is incorrectly seen as an unnecessary expense, will the land it's on be made into a War Memorial park that retains the trees and provides a picnic area and perhaps some BBQs in attractive shelters? Will the War Memorial, currently in pride of place in the Croydon roundabout, be placed in the centre of a new garden with the names of local people who gave their lives in the great wars for our way of life? Will there be a large water fountain where children can play chicken with jets of cool water that race in complex patterns that, with enough observation, can be learned so kids can broaden their problem solving and pattern recognition as well as enriching their hearts with the joy of play? Will the fountain be programmable so schools can create their own displays? On hot days, will the park be a beautiful cool place for families and teens to gather to cool down and be in nature together? In autumn, will the trees gradually give over their green umbrella to glorious colours reminding of us of our lost soldiers and letting the low sun warm the ground? On cold days will the Gridiron players who fought their sporting wargame in the paddock next door, gather for BBQs and beers on the crazy paving? In spring, will new life flourish again? The Memorial Pool is not just a hole in the ground. It is a valuable piece of Croydon history." If you've read this far, thank you for your time. Consider making your opinions known to your local Councilor and keep making a difference in Croydon. https://monumentaustralia.org.au/.../Croydon_Memorial...

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Where do you stand on the possibility of losing the outdoor pool while the Croydon Wellbeing precinct plans are being drawn up? You can contact your local Councillor and make you opinion count. It’s as easy as writing to all Councillors via an email addressed to All Councillors maroondah@maroondah.vic.gov.au

Second Recycle Bin By Kim Dixon

It came to my attention last week that residents who resided in the Maroondah Council area were entitled to a second recycle bin. At first I was a little sceptical, but rang their 1300 number and spoke to a lovely call taker. She informed me that yes, we were entitled to a second recycle bin and that it would be delivered the week of my next rubbish collection. My collection day was the Monday, the same day I rang the council, and my bin was delivered Wednesday morning. Fantastic service by Maroondah Council. ( I also asked about a second green waste bin, but you were required to pay for that- from memory around $200/year) JUNE 2021 | FIND CASEY

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Birt Lavis - Heathmont Icon HERITAGE & HISTORY By Russ Haines

Bert Lavis played a key role in Ringwood’s history, not only as well-known citizen, shop-owner and Councillor, but as first Mayor of the City of Ringwood. EARLY YEARS Albert George Lavis was born in Bristol, England in early 1906, the son of Fred Albert Lavis and Florence Marion Nokes. Following WWI, in 1921, the family migrated to Australia and landed in Melbourne on 8th December. Bert was only 15 years old at the time and his younger sister, Kathleen, was 11. He met Audrey Andrewartha and married her on 3rd August 1935 in South Australia. His parents settled in the CamberwellBalwyn area. His mother died in 1963 and his father ten years later. COMING TO RINGWOOD In 1947 the Lavis’, with friends, bought 25 acres in Canterbury Road opposite Heathmont Park from Mr Sell for £2000. The land stretched from Canterbury Road to Reilly Street, the southern boundary of Jubilee Park, and Wantirna Road to the west. COUNCIL LIFE Bert was nominated for the South Ward of Ringwood Council to fill the vacancy caused by the retirement of Cr. Barry Smith. He canvassed 255 houses in the

South Ward, was elected and served as a Councillor from August 1951 to 1967. He was also Mayor in 1956/57 and 1959/60. He had the glorious duty of being the inaugural Mayor of Ringwood on 9th March, 1960 when His Excellency, the Governor of Victoria, General Sir Dallas Brooks, proclaimed Ringwood as a City (see photo above on left). During the week there were celebrations with the Pageant of Progress. On Saturday, there were more than 60 floats in a pageant (see photo above on right), a carnival and the Proclamation Ball in the town hall. Special Church services were held on Sunday. In those days, Mayors used own cars, provided supper and paid for wet cupboard and all other expenses. The first time the allowance was £250, the second £850 and Bert had to pay for the Mayoral Ball each year. PRIVATE LIFE Bert ran a hardware store for many years at 155 Canterbury Road, Heathmont, not far from his property. It was a purposebuilt shop and was located on the west end of Heathmont, opposite Dickasons Road. OTHER MEMORIES Bert and Audrey Lavis lived at 263 Canterbury Road Heathmont, near Jarma Road, the property being sold by the family in 2002 by CE Carter. It was part of his original estate and now accommodates town houses.

The shopping centre on the West side of the railway line contained Marden’s Post Office and a small grocery store, with Mr. Cutting’s grocery store on corner. Mrs Byrne owned a brick pair of buildings and built two shops in front – the E.S.&A. Bank occupied one and the Lavis hardware store in the other. When Canterbury Road became a highway 20 feet was taken from the nature strips on either side, 3 lanes of traffic divided by a median strip, with footpaths and road made. Traffic had increased tremendously. Bert bought land next to the Post Office and sold the block for a butchers shop, and built two-storey building as a hardware store – upstairs was a doctor, hairdresser and an estate agent. It was sold in 1966. The Heathmont Football Club named their pavilion the A.G. Lavis Pavilion, the first ever to be named after a Councillor. He continued on Council until 1967, as well as sitting on Bench as Justice of Peace for many years. He was Life Governor and Secretary of Lionswood Village and continued with community activities both in Ringwood and Heathmont. A wing in Lionsbrae Retirement Village is named after his honour. He was connected with Heathmont Scouts for many years and awarded a badge for service. He died on the 1st July 1984 after a very serviceable and fulfilling life.

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Victorian Labor Government – New Taxes And Increased Stamp Duty By Warren Strybosch

Days after the Victorian government announced that it will increase stamp duty and land tax across the state, the Shadow Treasurer of Labor, Jim Chalmers, came out stating that Federal Labor will aim to abolish stamp duty and land tax. Either the Labor leaders are not talking to each other or the Victorian Labor leader, Dan, has decided to try and get a few more bucks out of the Victorian people before this opportunity runs dry. Maybe the Labor Federal leaders just don’t like how Dan is running the show? After all, they did overturn the China Road project that Dan wanted to implement in Victoria even though it was against Australia’s public security interests. This is not the first time Dan has opposed his counterparts in Canberra and opted for Victorians to pay more taxes. Does anyone remember that Victorians could have paid less in tolls if Dan had accepted the federal governments hand out but he elected not to? So, what are these new taxes that Dan is wanting to introduce to Victorians at a time where families are doing it tough during COVID? 1. Payroll tax changes All businesses will national payroll taxes greater than $10 million will have to start paying a payroll tax surcharge of 0.5% (raising the rate from 4.85% to 5.35%), whilst national payrolls above $100 million will have to pay a surcharge of 1%. The Business Council of Australia has come out and stated that this a tax on jobs and once again business owners will have to flip the bill for Labor’s spending habits. 2. Transfer duty rate changes With a lot of properties now worth over $2 million dollars, Labor sees this as a good place to make some additional money. From 1st July, 2021, all property transactions over $2 million will be taxed a higher transfer rate of 6.5% of the dutiable value in excess of $2 million. This sends a strong message to all that Labor will continue to tax those who own property. Yep, realise the Australian dream of owning a property but the Labor government will take their fair share of your dream with them.

3. Windfall gain tax The newest tax on the block, is the ‘windfall gain tax’. This will hit developers and land holders who will receive windfall gains when their properties are rezoned. In the past, if a property was rezoned, there was not tax on the potential gain but now there will be. Any gain over $500,000 will receive a 50 per cent tax. Where in the world are property developers, including Mum & Dad developers, going to come up with $250,000 plus to pay in tax when they may not have sold the property? This will simply result in property prices increasing to cover this tax which is supposedly against Labor’s policy of trying to make housing more affordable. 4. Land tax Land taxes are set to rise by 0.25% for taxable landholdings worth more than $1.8m and 0.3% for landholdings over $3m. Let’s face it, with increases in property prices, anyone owning an investment property is likely to be

faced with additional land tax. This increased tax is on top of the Foreign Land Tax Surcharge and Absentee Owner Surcharge that certain landholders are required to pay. Whilst Victorians are still struggling with COVID and the continued lockdowns, with job losses and businesses struggling to keep their staff on, the Victorian Labor government believes it is a good time to introduce higher taxes and more taxes to those who own a business and/or own land. Labor use to represent the battlers but since those battlers have made a go of it for themselves, with hard work and grim determination, Labor now thinks it is appropriate to expect those same battlers to pay higher taxes for simply succeeding in life. What does Labor stand for anymore? Where is Dan anyway? Is he currently in Victoria doing it tough like the rest of us? JUNE 2021 | FIND CASEY

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MELBOURNE RECITAL CENTRE Concert plans may change, but the music continues online — all for FREE! Watch the latest (and some of our favourite past) Live From Melbourne Recital Centre concerts over on our YouTube channel Love Classical Music? Take note of our Classical Concerts at the Centre playlist, featuring Signature Events like Freiburg Baroque Orchestra and Gabrieli Consort & Players, Great Performers Satu Vänskä & Kristian Chong, plus many more. Is Contemporary music more your vibe? Enjoy a range of current sounds in our Contemporary Concerts at the Centre playlist, featuring Leon Vynehall & the Impossible Orchestra, Andrea Keller & Five Below, Kaki King, ZÖJ and more. Looking for something local? Discover our First Nations in Focus or Australian Made playlists, which feature some of the best local musicians from around the country including William Barton, Jessie Lloyd, and Allara, plus a wide range of new works by Australian composers. While you’re there, head over to the National Reconciliation Week website and discover what events are happening as part of this important week. No matter where you’re watching and listening from we are #HearTogether. Happy viewing!

When live music returns...

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Celebrated pianist Ian Munro makes his Great Performers debut, showcasing inspired repertoire from Romantic masters, plus a new work of his own. Ian Munro is one of Australia’s most distinguished artists, in demand as both a performer and composer. His gifted range and sensitivity at the piano makes him a great partner to even the most emotionally complex repertoire. For this solo recital, hear imaginative Romantic piano works by Mendelssohn and Rachmaninoff, plus Ian’s startling and personal new work, Moscow 1986. Want to discover more? Immerse yourself in the history of this program in the Great Talks podcast. Click here to listen now or find out more below. Wed 16 June 7.30pm BOOK NOW

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Ensemble Liaison with David Jones

Death, Love & Trouble

Mostly Mozart

David Jones and Ensemble Liaison first collaborated in 2011. The long-awaited return of their critically acclaimed partnership is a rare chance to explore brilliant music for an unusual combination of instruments.

Henry Lawson and Midnight Oil rub shoulders in this brilliant take on the Australian songbook. The pioneering folk artistry of Bush Gothic and Partridge String Quartet undoubtedly heralds a new era for enjoying old tunes.

Mozart’s Violin Concerto No.5 is joyful, playful and even provocative. His Symphony No.35, ‘Haffner’ is just as festive in spirit. The uplifting nature of these works is a perfect fit for the young performers of the Australian National Academy of Music.

Fri 11 Jun 7pm

Thu 17 Jun 6pm

Thu 24 Jun 11am & 2pm

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Great Talks Podcast Available now! Listen to the second episode of our Great Talks Podcast with Graham Abbott, featuring pianist Ian Munro. Great Talks is an audio companion to each concert in the 2021 Great Performers series. Part pre-concert talk, part deep-dive into the music, artists and program curated for each concert, these podcasts are designed to enhance the concert experience.

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Already more than 200 musicians have been directly supported through donations to our Local Artist Appeal.

Local Artist Appeal

In an ever-changing environment, donations restore confidence, breathe life into a decimated arts industry, help us guarantee artist fees and so much more.

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Will you let your support be heard? Make a tax-deductible donation by June 30 to our Local Artist Appeal.

Sophie Koh, singer-songwriter DONATE NOW

Click here for our latest concert announcements Orava Quartet Orava Quartet has captured the world’s attention. Revered for its thrilling, heartfelt performances and rare skill in making the unfamiliar suddenly accessible, the Quartet is known as the ‘classical fab four’ (The Age) and ‘the most exciting young quartet on the block’ (Limelight magazine). The Quartet’s 2021 season is on sale now. Fri 9 July 6.30pm & Sat 20 Nov 6.30pm

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ACO has premiered its third StudioCast film, ‘Love & Transfiguration’. Below you’ll find instructions to redeem your free 7-day access pass. Find a comfy spot, a large screen and turn your speakers up loud. 1. Click the button below 2. Click BUY button 3. Login or Sign Up to your account 4. Click 7-Day access 5. Click Add voucher and enter victoria SEE MORE

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2021/22 Federal Budget Technical Bulletin

Highlights from this year’s Federal Budget include the relaxing of superannuation contribution rules, an extension of tax savings for individuals and small business and a $17.7 billion boost to aged care spending. Important note: The measures outlined below are proposals only until legislated and are subject to change.

Summary Superannuation

Tax

Social Security

Aged Care

•

Low and middle income tax offset retained

•

Pension loan scheme to allow lump sum payments

•

$17.7 billion additional spending over 4 years

•

Extension of 100% asset write-off for businesses

•

More child care support for familes with higher incomes and multiple children

80,000 new homecare packages

•

No new fees announced for aged care residents

•

Work test removed for those 67-74 making non-concessional and salary sacrifice contributions Expanding bring forward rules to 67-74 year olds

•

Downsizer contribution age reduced to 60

•

Removal of minimum Super Guarantee threshold

•

More super available for first home buyers

•

Chance to exit some legacy retirement products

•

Additonal year for companies to carry back losses to apply against past profits

•

Tax residency test simplified

•

Freeze on Medicare surcharge and private health rebate thresholds

Superannuation The Government has announced a range of measures this year relating to superannuation. The commencement date for these changes is 1 July of the year after the proposals have become law with the likely start date to be 1 July 2022.

for the work test exemption) before the contribution can be made. The work test requirement will no longer apply for this age group when making: •

Salary sacrifice contributions

Removal of the work test for some contributions

•

Non-concessional (after tax) contributions

Currently, if you wish to make a personal contribution to super from age 67 to 74, you must meet a work test (or qualify 2021/22 Federal Budget

The requirement to satisfy a work test will continue to apply to those 67-74 who make personal contributions and claim a tax deduction.

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Expanding non-concessional contribution bring forward rule

Super announcements NOT included in the budget

The ability to access the bring forward arrangements for nonconcessional contributions where up to $330,000(2021-22) can be contributed will extend to those 67-74 years of age (currently available to those under 65).

The two standout measures that were not addressed in the budget and will therefore proceed as legislated include: •

The compulsory super guarantee contribution rate will increase from 9.5% to 10% from 1 July 2021.

$450 per month super guarantee threshold abolished

•

The temporary 50% reduction in minimum pension payments will cease from 1 July 2021 with minimum payments returning to standard rates as outlined below.

Employers will be required to pay super guarantee contributions to all employees over age 18 irrespective of how much they earn in the month.

Age

Standard minimum rate (%)

Under 65

65-74

CASE STUDY

75-79

Freya has two casual jobs earning about $400 per month from each. Currently, she receives no super support from her employers as she earns less than $450 per month per employer however this measure will require both employers to start contributing to super on Freya’s behalf – that’s nearly $1,000 per year in super.

80-84

85-89

90-94

95 or over

Downsizer contributions available from age 60 The ability to make a downsizer contribution to super when selling your home will extend to those 60 years and over (currently must be 65+) allowing many more to take advantage of an extra $300,000 per person to be invested in super. Combining this measure with the non-concessional bring forward rules outlined above, those aged 60 to 74 and selling a home will have the opportunity to contribute up to $630,000 per person (or $1.26 million as a couple) into super without exceeding any caps.

First home super saver scheme boost The amount of voluntary super contributions that can be withdrawn to help purchase your first home will increase from $30,000 to $50,000. The annual contribution limit for this scheme will remain at $15,000.

Two year window to exit some legacy retirement products Those looking to commute their restrictive legacy retirement products that were purchased before 20 September 2007 (often referred to as ‘complying’ products) will have the opportunity to roll back these funds to super, commence a new income stream or withdraw the funds from super altogether. The types of products impacted under this measure include term allocated pensions (TAPs), marketlinked, life expectancy and lifetime income streams including those provided by self-managed super funds (SMSFs).

2021/22 Federal Budget

Tax Low and middle income tax offset (LMITO) to stay for another year The LMITO, which provides a tax offset of up to $1,080, was due to cease on 30 June 2021. This tax benefit will now be extended until 30 June 2022. The offset is automatically calculated when you lodge your income tax return.

Tax residency rules simplified Currently, four (often conflicting) tests are used to determine if you are an Australian tax resident for income tax purposes. The Government has proposed to simplify this system by applying one primary test - an Australian tax resident is someone who has physically been in Australia for at least 183 days in the financial year. Additional secondary tests may be used for those who do not meet the primary test.

Small business tax concessions extended 12 months Businesses will continue to benefit from two significant concessions announced last year as follows: •

Eligible businesses with annual turnover less than $5 billion will be able to deduct the full cost of depreciable assets first used or installed before 30 June 2023.

•

Eligible companies can carry back losses for another year being the 2022-23 year to offset against profits in 201819 or later years.

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Freeze on Medicare surcharge and private health insurance thresholds The single and family thresholds used to determine if the Medicare Levy surcharge is payable and the private health insurance rebate available, will remain at current levels for 2021-22.

Social security and aged care Pension loan scheme to offer lump sums The pension loan scheme is a reverse mortgage style scheme provided by the Government to allow you to receive fortnightly payments using the equity in your home. The regular instalments are limited to 150% of the maximum rate of Age Pension.

From 1in Julyaged 2022, it care has been proposed to extend this scheme Boost funding

to allow up to 50% of the maximum annual rate of pension to A range of aged care measures were announced with be received as a lump sum (limited to two lump sum payments the Government projected to spend $17.7 billion over the in four 12 months). maximum sum payments next years. AThe further 80,000lump homecare packagesbased will on current pension rates will be: become available to help reduce the current waiting list for • packages $12,385 for singles care (estimated to be approximately 96,000). The • $18,670 combined for couples Government will pay an additional $10 per day Basic Daily Fee Supplement for every resident in residential aged care, paid directly to the care care provider. No new resident fees were Boost inaged aged funding announced in this budget. A range of aged care measures were announced with the Government projected to spend $17.7 billion over the next four years. A further 80,000 homecare packages will become available to help reduce the current waiting list for care packages (estimated to be approximately 96,000). The Government will pay an additional $10 per day Basic Daily Fee Supplement for every resident in residential aged care, paid directly to the aged care provider. No new resident fees were announced in this budget.

From 1 July 2022, it has been proposed to extend this scheme to allow up to 50% of the maximum annual rate of pension to be received as a lump sum (limited to two lump sum payments in 12 months). The maximum lump sum payments based on current pension rates will be:

Special Tax Return Offer

•

$12,385 for singles

•

$18,670 combined for couples

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.

Important Information

6. We will the completed return without with our invoices. Once you sign the return and pay the will lodge thebeen return This information is of email a generalyou nature only and has been prepared taking into account your particular financial needs, circumstances and invoice objectives.we While every effort has 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. on your behalf.

Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Individual circumstances may vary and this will alter the outcome. The case studies do not represent any forecast or guarantee on return. 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.

Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

Matrix Planning Solutions Limited ABN 45 087 470 200, AFSL & ACL No. 238256 and its related entities distributing this document and each of their respective directors, officers and agents believe that the information contained in this document is correct and that any estimates, opinions, conclusions or recommendations contained in this document are reasonably held or made as at the time of completion. However no warranty is made as to the accuracy or reliability of any estimates, opinions, conclusions, recommendations (which may change without notice) or other information contained in this document and, to the maximum extent permitted by law, Matrix disclaims all liability and responsibility from any direct or indirect loss or damage which may be suffered by any recipients through relying on anything contained within or omitted from this document.

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Federal Budget 2021–22: Impacts To Businesses And Their Owners

ACCOUNTANT By Warren Strybosch

On 11 May 2021, Treasurer Josh Frydenberg handed down the 2021–22 Federal Budget. Here is a list of some of the major tax announcements that may impact private businesses and their owners: Extension of Temporary Full Expensing and Loss Carry Back The Government will extend the temporary full expensing and the loss carry-back measures into 2023. This measure entitles businesses with an aggregated turnover of under $5 billion to an immediate deduction for ‘eligible capital assets’ acquired from 7.30pm AEDT on 6 October 2020 and needs to be installed or used before 30 June 2022. If legislated, the 30 June deadline will be extended to 30 June 2023. The loss carry-back measure amended the tax losses regime to temporarily allow eligible corporate entities (with a turnover capped at $5 billion) to use losses that are incurred in the income

years 2019–20, 2020–21 or 2020–22 to be retrospectively applied against proﬁts made in the 2018–19 year or later years. If the proposed changes are legislated, the measure will also apply to losses incurred in the 2022–23 income years. Minor changes to Individuals Claiming Self-Education Expenses For those paying self-education expenses, the ﬁrst $250 paid is not deductible. This has caused confusion for many people who have submitted their own returns. The government will remove the $250 non-deductible amount so that the full amount of self-education expenses can be claimable. Unfortunately, this Budget measure still does not allow individuals to deduct education and training expenses they incur, where the expense is not related to their current employment. The self-education expenses must be in connection with the individual’s current employment and production of their assessable income.

enhance transparency and the reporting obligations for not-for-proﬁts entities (NFP) claiming income tax exemptions. Currently, non-charitable NFPs are able to self-assess their eligibility for income tax exemptions and do not need to submit tax returns each year. From 1 July 2023, the ATO will require income tax exempt NFPs to submit online annual self-review forms to ensure that only eligible NFPs are accessing income tax exemptions.

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

Not-for-proﬁts — Greater transparency of income tax exemptions The ATO will receive funding from the Government to build an online system to

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How to Prepare for End of Financial Year BOOKKEEPER By Neha Nayyar

It’s that time of year again, and what a year it’s been! Business owner’s across the globe were forced to adapt and reshape their businesses in order to thrive during the ever changing lockdowns and covid restrictions. Now, before we can breathe a sigh of relief that this financial year is over, let’s go over how you as a business owner can prepare for June 30th. Here are our top tips on preparing for end of financial year: 1. Review your Accounts - Probably the most important aspect of preparing for the end of financial year is making sure all of your accounts are up to date. This means reviewing your payroll and STP lodgments, ensuring your accounts are all reconciled correctly, confirming you have all of the receipts you wish to claim, etc. If you’ve been doing the books yourself, perhaps you might consider having a bookkeeper or accountant review your files to ensure everything is up to date and meets the requirements.

2. Review your finances - Once your accountant or bookkeeper has ensured your file is all correct and up to date it’s a good idea to sit down and review your finances. How did you track this year? How do your finances track against your monthly/ quarterly/yearly budget? Did you meet your targets? Perhaps your finances fell shorter than estimated this year. It’s important to understand the current and true financial position of your business to help determine what you as a business owner can do differently next year to put more dollars in your pocket.

3. Review your business plan - This is a great time to sit down and review your business plan. Maybe you want to be better prepared for unforeseen circumstances and determine what different avenues you can take to adapt to the changing environment. It’s an important time to reflect on and remember what your goals and priorities are and develop a road map for getting there. 4. Reviewing your IT systems - We’ve come a long way since the days of spending hours on end hole punching, organising and filing all your documents and receipts. It’s amazing that technology now allows us to manage all of these time consuming tasks with a click of a finger but it’s no lie that sometimes this can leave your online files looking quite unorganised especially if you have multiple users working on the same system. Making sure you’re working with a secure system is extremely important when working with confidential information. Are your systems up to standards? It’s important to take some time to review these systems to help save you time and prevent the stress of dealing with it later on.

Need help preparing your books for the end of financial year? We at Sum and Substance work closely with businesses reviewing their accounts and cleaning up files to help ease the many end of year tasks! Please contact us if you’re interested in some more information. We can be reached at (03) 9424 9447 or info@sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper Sum and Subtance Bookkeeping and Training Services 0401 409 573

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Caveats on Land SOLICITOR By David Heasley

Most people have heard of a caveat, usually when they were dealing with property such as a block of land. In the above case the caveat would be removed just prior to settlement, but in some cases there are caveats that have been attached to land for decades. A caveat is in its simplest form an injunction against dealing with property (such as land) and a warning that there is an interest in the property in question. If you have an estate or interest in land which registration of another dealing cannot protect, you may consider lodging a caveat to protect your legal position. This is known as a caveatable interest. However, you must ensure that you have a genuine interest at the time you are lodging the caveat. A person who has an Australian court order restraining the registered proprietor from dealing with a property can also lodge a caveat. In Victoria the Property Law Act 1958 governs caveats. When a caveat is lodged at the Land Titles Office, it effectively prevents the registration of

further dealings on the property’s title until the caveat: • • • •

is formally withdrawn by the caveator; lapses; removed by a court order; or the caveator consents to another’s registration that deals with the property’s title.

Caveatable interests include a registered or equitable mortgage, land transfer, a purchaser under an agreement for sale, a tenant (in certain circumstances), a registered proprietor and contractual rights. It is important to note that a caveat ‘attaches to the land’ meaning that if a block is subdivided, the caveat applies to and is enforceable against all the titles created. In past times caveats were used as a form of town planning, stopping people dealing with land (or building things on land) that the person lodging the caveat (the caveator) did not agree with. A caveat from the turn of the century may very well specify that all houses built upon the affected land be built with certain building materials. In one case the caveat read: will not erect on the said land hereby transferred any shop or terrace of dwelling houses and any

dwelling house which may be erected shall be built of brick with roofs of slate or tiles. These caveats can become a real issue in some of Melbourne’s older suburbs where a developer may wish to demolish a house that has existed since the turn of the century and build (for example) a block of modern townhouses. In this case the developer needs to identify all titles affected by the caveat. If they cannot identify all titles, it is likely a court would refuse to remove the caveat meaning the council in turn would refuse the development. In some cases, where a large block was subdivided to form houses, there may be many titles to locate. In these cases it is critical to seek legal advice before you enter into the transaction, or potentially risk losing your money.

David Heasley Principal Solicitor HEASLEY LAWYERS www.heasleylawyers.com.au 0408 611 834 JUNE 2021 | FIND CASEY

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Wrong Way Go Back! - Label? Or Roadmap? PARENTING By Lesley-Anne Banton

Can you imagine, you are driving in Victoria, but you have been given a roadmap of NSW and no one has told you? The road does not match, the signs do not match, and the landmarks do not match, try as you may, you cannot get to your destination. This sparks uncertainty, fear, anxiousness, selfdoubt, and hopelessness hitting wrong turns every way you go! Just like going down the wrong side on to a freeway our bodies and brains can be the same. If we did not have the road signage, filter lanes and traffic lights on the road how would we know where we are? Where were we going? And if it were safe to go? - it would be dangerous and chaotic! Have you ever put in an address into the GPS in your car and then put the same address into your phone and they come up with completely different route options? Or found that your GPS in your car needs updating because the roads have changed, or the technology has changed? Like maps we have roadblocks, deadend streets, roadworks, no U turns, and unpredictable accidents on the roads ahead. Now imagine that your brain (neurology), emotions, and thinking have been given one map (internally) and you have been another map (externally) they do not match and are full of expectations and confusion. You seem to never reach your ideal or potential, there is a part of you shouting to be seen and understood, you struggle to meet others expectation of you and your world is filled with uncertainty, fear, trauma, anxiousness, self-doubt, hopelessness and many other emotions, negative self-talk and limiting beliefs. Having worked with many adults and children that have road maps that are wrong for them, I often see that misunderstood children become misunderstood adults. They live their lives thinking something its wrong with them, they do not fit in, they are unintelligent, they have shamed themselves their entire life. They struggle to reach their potential or understand why they cannot be like other people. They are unable

to tackle tasks or goals the same way others do. They spent most of their lives in fight and flight mode and they do not even know it. By not fully understanding ourselves, how we are made up and not having the right roadmap we can be in just as much internal chaos and in danger of never reaching out truest potential. I’ve had many conversations and gone on many adventures to help see individual’s truest self, I often come across resistance, defence, self-shaming, fear and blaming when a person thinks they or their child are going to be ‘labelled’. What if it is not a label? What if it the key to unlocking the potential inside? What if it is a way to help you or your child to experience the world with more joy? Less fear? More understanding? Less selfshaming? By challenging our thinking and see the things that makes us uniquely us is part of our individual road map rather than a label that is limiting and restrictive opens up to being understood or understanding others. It opens up other thinking to get curious about ourselves or our child’s behaviour, feeling and expressions of emotions. It opens up to finding a different way to be communicated with and understood. It opens up to relief of finding the way to feel at peace with yourself or helping your child to feel more at peace with themselves, self-acceptance. It opens up to giving yourself or your child the best way to self-regulate before having a meltdown. It opens a new world of possibilities and adventures to find the right road map for your unique self and being able to share that with others so that you no longer have meet other’s expectations and be accepted for your true self, no more hiding, no more shaming, no more being misunderstood. So, what might a road map look like verses a label? A label might be, for example “He’s autistic”, instantly your brain may jump to conclusions around what you know about the meaning of the word/ the label. You may have already made some presumptions about the boy, limited the boy, or even dismissed his potential by limiting him to the label. A road map may look like, but not limited to, “I wonder what this means for him?”. “I

wonder what he needs?”. “I wonder if he gets sensory over stimulation”. “I wonder does he need some quiet time during the day to help his brain calm”. Curiosity is key to noticing an individual’s way of seeing and navigating the world. If a young child is pacing around a room or ‘fidgeting’, are they disrespecting the rules, being ‘naughty’ or are they doing their best to self-regulate in a situation they are finding over stimulating? Most times you find this is self- regulation, so what do you need to do with you thinking to see it? What might the child need in his road map prior to getting to pacing around/ self-regulating? What might they need when they get to this point?” – told off for not sitting? Shaming because they are not doing what other kids are doing? Understanding? Compassion? A quiet space for a short time? The freedom to be able to pace/ regulate? Discovering the best way to communicate, a child might seem like they are not listening, do they need telling off or shaming? Understanding? They may also have an auditory processing roadblock. This child may need you to get in proximity, be facing you and looking at you face to know that you are talking to them giving short concise communication. it can be hard for a child with auditory processing challenges to decipher noise and direct communication, often they will close down within themselves to be able to regulate being in a noisy environment. Once you discover what make you YOU or what makes your child their unique self, you help build the confidence, selfesteem, acceptance, being understood and so much more. This helps you or your child to start to navigate how to get to your/ their potential what tools and directions you or they need to achieve goals. You can see and understand your map and explain it to others empower your child to do the same.

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It’s Party time!

GENERAL INSURANCE By Craig Anderson

I see some fairly simple but frequent mistakes made. I think it may be because a number of Contractors are a little reluctant to ask basic questions for fear of looking silly or ignorant. That being said, it would be better to ask a basic question and be thought of as silly, rather than remaining silent and lose a boatload of money when a claim arises that could have been covered but was not; or which might have been avoided with simple measures. Following that line of thought, you may change some business practices to avoid a loss if you understand the limitations of your policy, which again is a lot easier once you understand your policy conditions, or once you chose a policy which fits your business well. In a PL Policy (Public and Products Liability policy) you are the First Party, and the Third Party is your client or a member of the public. If the insuring clause says it will pay losses for which you are liable to a Third Party, it means you are not able to claim first party losses like materials used or faulty labour. If for instance you paint a house the wrong colour it is up to you to fix it at your own cost, and you may not claim the cost of that from your Public and Products Liability insurer. If you accidentally drop your ladder and

do $10k worth of damage to the clients home, that would be covered, as the damage is to the third party’s property and you would be liable. Many contractors show genuine surprise when this is explained to them which tells me this product is not well understood. A little good advice can easily fix this, and as insurance can be complicated a broker is the best person for the job.

worksite. It could cost you $25,000 if you get it wrong, not to mention investigations and other repercussions.

Cover for injury to subcontractors as part of your PL is also often overlooked as an area that you should do your best to understand. If you hire a subcontractor, and in the process of working for your firm, you injure that contractor, this occurrence would be subject to an insurance recovery claim from Workcover. This means that Workcover will pay for treatment and rehabilitation of the subcontractor and then seek to recover all costs, and often additional anticipated ongoing costs from your insurer. This type of claim may be subject to a $25,000 excess on your PL policy depending who you are insured with. At this point, I am hoping you will stop to read your current policy wording to see if this applies to you! I also hope you will have a think about site inductions and safety procedures, and about ensuring your subcontractors actually have Workcover before letting them on your

Talk to your broker about your cover, and try not to be embarrassed to ask about the basics. Oh, and you can ask your broker at any time, not just when renewal comes around.

If your PL Policy is part of a business pack cover, there’s a handful of other sections we need to discuss, like Property, Theft, Business Interruption, Transit, and more, however we would not have enough space for it this month.

As always, 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 General Insurance Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au

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How Crossflow In Your Home Could Save You Money ARCHITECT

Example Section

By Kathy Ismail

Many people don’t think about crossflow as they turn on the heating or air conditioning. However, the advantage of making your home more comfortable may not seem so pleasant when the gas and electricity bills arrive!

Example Plan

What if there was a better, greener and cheaper way to manage temperature conditions? Air flow Ventilation in buildings removes stale air, moderates inside temperatures and creates air movement which improves the comfort of everyone inside your home. Cross ventilation is when wind enters through a window or door, allowing air to flow directly through the house and out through an opening on the other side. A good way to plan for effective cross ventilation is to know the prevailing wind direction where you intend to build your home. Likewise, the position and size of your vents, windows and doors, as well as the path between the different sides of the house, make a big difference to how effectively you can cross ventilate your home. Is there an ideal positioning? Simply opening the doors in the house would allow air to get around, especially when the air enters the house directly from the front door. It also reduces the accumulation of moisture, odours and gases that can build up. A lack of cross ventilation can lead to rotting timbers and mould due to rising humidity.

isn't any wind. Wind-driven ventilation can also help to ensure you don’t get a build-up of dampness in your ceiling cavity. Living in Melbourne means that we need to both heat our homes in the winter and cool them in summer. Up to 40% of a home’s heating energy can be lost and up to 87% of its heat gained through the windows. Energy efficient windows can dramatically reduce your energy costs and help to create a brighter, cleaner and healthier environment. Cross flow ventilation is most effective when you open the window that is receiving a gentler breeze than the window on the opposite wall. This produces a vacuum effect and will enhance air flow. In some cases, especially where wind is unpredictable or blowing on an imperfect angle, wind ventilation can be improved by directing wind into the home using wing walls and casement windows. Awnings can also help when weather conditions or poor air quality induces you to keep the windows and doors closed. •

Ideal cross ventilation If not properly ventilated, your roof space could trap as much as 10°C in excess heat, and radiate that back into your home through the ceiling. Installing winddriven ventilation mechanisms like soffit vents, ridge vents and whirlybirds, will do a great deal to allow this heat to escape, and to lower the overall temperature inside. Installing roof-mounted vent mechanisms will work even when there

•

North-facing windows, receiving the most amount of sun in all seasons, can be easily shaded from the high summer sun to help keep the house cool. Ideally, the glazing area should be between 10–25% of the floor area of the room. East and west facing windows receive little sunlight in winter, autumn and spring, but excessive sunlight in summer. Keep these windows small and well-shaded, particularly those facing west if this does not compromise ventilation.

Alternatively, consider using high performance glazing such as low-e or toned glass. •

South facing windows receive no direct sunlight in winter and only early morning and late afternoon sunlight in summer. Windows should be kept small to retain warmth; however, they can be extremely useful for passive cooling as part of cross ventilation as cooling breezes in summer usually come from the south.

How an architect can help If you are building a new home or renovating, call in an architect before you start. Architects will incorporate cross ventilation as part of their plans for your new home or renovations. They will aim for direct flow paths from rear to front and from side to side in the main living space. Entry door can be fitted with openable highlight windows to allow airflow with privacy. A raised ceiling in the kitchen with openable windows will allow warm air to be drawn up and out of the home. Stairwell can also have openable windows to provide the same effect. Contact KiR Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We are always happy to answer any inquiries.

Kathy Ismail ARCHITECT KiR Architecture www.kirarchitecture.com 0422 026 962

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Preparing for Breastfeeding Success LACTATION CONSULTANT By Dr. Joanna Strybosh

It is said that preparation is the key to success but how do you best prepare for breastfeeding? For something you have never experienced before? For learning a new skill that you cannot practice ahead of time? And how do set yourself up for success when there are so many potential roadblocks and variables, which you cannot predict? Breastfeeding is a learned skill, that improves with practice and is empowered by knowledge. Many of today’s new mums do not have the benefit of having observed other women work through the learning process of early breastfeeding and seen how common issues can be resolved. In our society today, most women who give birth will have never held a newborn baby before, never changed a nappy or burped a baby. Never bathed or dressed a baby, settled a baby to sleep or seen a baby breastfeed up close and personal. What we know from the data is that many women run into difficulties with breastfeeding in the early weeks. In Australia most women want to try breastfeeding. Approximately 92% of mothers start out breastfeeding after birth, however by 6 months of age, the number of women exclusively breastfeeding has reduced to just 14%. Many mums report that early breastfeeding is much harder than they had expected. What are the factors that seperate those that go on to long term breastfeeding success and those that don’t? Breastfeeding takes both practice and perseverance. Research clearly tells us is that women who report higher rates of self-efficacy have better breastfeeding outcomes, both in terms of initiation and duration. In other words, women who feel confident about their ability to face challenges with determination and who have a wider plan to overcome obstacles, are more likely to breastfeed and to stick at it for longer. They are prepared to work hard and are open to testing different ideas and suggestions as needed. And if things don’t work out, they are more likely to blame external circumstances rather than blame themselves. Learning a new skill is not always easy, but approaching the task with positive

expectation, rather than fear and selfdoubt, is really important. So, in preparing to breastfeed, mums will benefit firstly by having a realistic and positive attitude towards it and a mindset to trust their body and to work at it, even if things don’t turn out as easy as she expected. In order to feel positive and empowered, women need to be informed and they need appropriate support from those around them. Mothers want to be informed about what to expect. Attending breastfeeding education classes through the Australian Breastfeeding Association (available online) is an excellent way to gain information and knowledge. Classes both educate and empower mothers. They teach her important skills such as how to identify her baby’s feeding cues, how to latch and position her baby at the breast and how to know if her baby is getting enough milk. Learning as much as she can before the arrival of her baby will help her confidence. Getting in touch with an International Board Certified Lactation Consultant (IBCLC) is another great way to get informed. Even before the birth of her baby, it’s a good idea to make contact with her local lactation consultant so that she can build a connection and know exactly where to turn once her baby arrives. After her baby is born, she will benefit from having the sort of personalised, one-on-one, hands-on help that a lactation consultant can provide.

Mothers also need appropriate support, and lots of it. This can come from many sources; her health care professionals, her partner, her own mother and friends as well as her wider family, co-workers and society at large. Reading, discussing and asking questions will allow the expectant mother time to think about what it might be like, how she may respond to the challenges of breastfeeding and what sort of emotional and practical support she would prefer. She needs to be able to ask questions and to receive reassurance. In particular, mothers want their health care professionals to have good breastfeeding knowledge, to have an “authentic presence”, to listen well, to give positive reflection to their emotions and to provide practical suggestions and advice. Being informed, supported and connected with a skilled lactation consultant can be invaluable in getting mum and baby off to the best possible start and avoiding many of the pitfalls that are common in the early months and set them up for long term breastfeeding success.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE 9876 3011 www.childrensostheopathiccentre.com

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Aussie Auto Market ‘At Turning Point’

By Tim Dornin

(Australian Associated Press)

Australia’s automotive industry is at a “revolutionary turning point” amid the transition to zero-emission vehicles, a report has found. The developing shift towards electric cars will also bring structural change and pose significant challenges to the sector, the Motor Trades Association says. “All automotive businesses will need to obtain as much information as possible to make an informed decision on the future opportunities and risks of participating in the ensuing electric vehicle ecosystem,” the MTA said in its Directions in Australia’s Automotive Industry report. “Whilst Australia’s electric vehicle uptake is low, ongoing technological advancements and economies of scale may bring about a quicker than expected price advantage for electric vehicles. “This may sway consumers to purchase electric vehicles sooner than expected. “Such a scenario could place automotive businesses in an exposed position.”

In its first major review of the industry in four years, the MTA said that beyond the disruptions caused by the COVID-19 pandemic, structural change was already emerging in the retail and aftermarket sectors. The increased focus on online sales could significantly alter the established dealership model while the shift to electric cars would require significant investment from dealers and automotive workshops in both equipment and skills training. The MTA said evidence already suggested there was a shortage of skilled technicians in small to medium businesses as more left to set up their own operations as sole traders. “Addressing skill shortages and declining business profitability are key challenges that will test the resolve of the automotive industry over the next few years,” it said. “Governments have both a duty and obligation to understand these industry changes, including the impacts that electric vehicles will have on Australia’s automotive industry and the broader community.”

Providing a snapshot of the automotive sector, the MTA report also found: * There were 72,521 businesses operating across the industry at the end of the last financial year with that number expected to rise to 74,981 by 2022/23. * Small and family-owned enterprises dominate the sector, comprising 96.6 per cent of all businesses. * There were 19.8 million vehicles on Australia’s road last financial year, an increase of about 300,000 compared to the previous year. * The vehicle fleet is getting older with the average age of cars now 10.4 years. * An estimated 762,777 vehicles were scrapped between 2019 and 2020, being either recycled, exported, or sent to landfill. * There were 916,968 new vehicles sold in 2020, a fall of 13.7 per cent over 2019. * The market for used vehicles in 2020 was almost four times as high at 3.7 million sales.

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Who's Telling Your Loved One's Stories ACCREDITED EDITOR By Susan Pierotti

The generational demands on the Baby Boomer generation have been described well by Lauren Scott who runs Golden Girls Assist, a concierge service for the elderly: ‘The trend for having children later in adult life has been growing steadily over the last couple of decades while our parents are living longer, independent lives. It is therefore becoming more common for adults to be sandwiched between caring for their children as well as supporting their parents. In fact, about 1.5 million middle-aged Australians are included in this demographic. Business owners who work from home are often expected to be able to provide support and help on the spot to family because they are seen as having more flexibility and time to spare than those working outside the home. It is often overlooked that home-based business owners also have to maintain business hours…Our population is getting older and living longer which requires the current sandwich generation to redefine their work life balance…This is particularly pertinent to business owners who need time to focus on their work to keep their businesses productive and profitable.’ Too busy to listen If you work in business, you will have work expectations to fulfil. Whether you work or not, you will still have marriages and friendships to maintain and develop, and usually children to care for. With all the expectation of your older loved ones to do their banking and shopping, take them to medical appointments and even the joy of family celebrations, when do you ever have time to sit down and listen to their stories? Old age makes one invisible and silent. Yet our elders have led remarkable lives – volunteering in their local community, flying planes in the war, running businesses, coaching winning sports teams. The fact is that we really do lead busy lives. Even at Christmas, when we eat, drink and be merry, we tend to pass a plate across to Grandma and give her a present but not have a quiet half-hour to ask her about her life.

Hire a professional story teller

The benefits of life story telling

This is where a professional life story writer can help you. Elderly people, even ones with active social lives, can feel a little lonely. When a life story teller, someone they don’t know, listens with patience, untangles incidents, provokes happy memories, and gives them their full attention, they sit up straighter, their eyes sparkle and the stories pour out. I know – I’ve seen it happen every time I record and write an elder one’s story.

Memoir and life story telling has so many benefits. Here are a few:

A life story teller will also record things that your family members would forget to ask about, things that you already know, things that you think aren't worth mentioning or things you don't know. One ninety-year-old lady I interviewed spoke of her school uniform including suspenders and stockings. When I asked her if her granddaughter knew what a suspender belt was, she looked astonished - it hadn't occurred to her that that was something unusual in this day and age. (Naturally, we included this in her memoirs!) Have you ever had the time to find out what the colour of your mum's school uniform was? Do you know what your dad did on weekends as a boy? What were their pets? What impressions did they have growing up of school, of parents and the world around them? What were their ambitions and were they fulfilled? Do they consider their lives to have been good and successful? Wouldn't you like to know?

•

• • • • • •

It validates our elders, most important in a society which, unlike many others, has no rite for honouring elders in our community It increases their mental and emotional health It allows them to leave your family a legacy It records local history and culture It inspires others It promotes the teller’s point of view It educates younger generations about other times and places.

It also makes a great Christmas present of the whole family! Why not ask your loved one if they’d like to tell their story. Contact Susan at www.creativetext.com. au to discuss writing your loved one’s life story.

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au

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State and Federal Incentives for First Home Buyers MORTGAGE BROKERING By Reece Droscher

One of the greatest challenges for State and Federal Governments is housing affordability. Trying to help the younger generation by their first home, or help people get out of the rental cycle, has been a focus for some time. There have been several initiatives announced by both levels of government over the last few budgets to make it easier to get into the property market, with most of them centered around helping first home buyers, which are outlined below. FIRST HOME LOAN DEPOSIT SCHEME The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to support eligible first home buyers to build or purchase a first home sooner. The Scheme is administered by the National Housing Finance and Investment Corporation (NHFIC). Usually first home buyers with less than a 20 per cent deposit need to pay lenders mortgage insurance. Under the Scheme, eligible first home buyers can purchase or build a new home with a deposit of as little as 5 per cent (lenders criteria apply). This is because NHFIC guarantees to a participating lender up to 15 percent of the value of the property purchased that is financed by an eligible first home buyer’s home loan. In a recent Federal Budget announcement, the scheme was expanded by a further 10,000 places from July 2021 for new homes only. This includes building a new home or buying a new home off the plan. There are property price thresholds in place which vary for metropolitan and regional areas, however you can check

your eligibility for the scheme by going to the website www.nhfic.gov.au. FAMILY HOME PARENTS)

GUARANTEE

(SINGLE

This is another Federal Government program which provides eligible single parents with dependants the opportunity to build a new home or purchase an existing home with a deposit of 2 per cent, subject to the individual’s ability to service a home loan. From 1 July 2021, 10,000 Family Home Guarantees will be made available over four financial years. The Family Home Guarantee is aimed at single parents with dependants, regardless of whether that single parent is a first home buyer or previous owneroccupier. Applicants must be Australian citizens, at least 18 years of age and have an annual taxable income of no more than $125,000. Again, property price thresholds apply and are the same as those under the First Home Loan Deposit Scheme. Please check your eligibility to participate in the scheme through the website www.nhfic. gov.au. FIRST HOME SUPER SAVER SCHEME This initiative has been around for some time and is another way for first home buyers to boost their deposit and help them get into a property sooner. To participate you are a first home buyer wanting to either: • •

live in the premises you are buying, or intend to as soon as practicable, or you intend to live in the property for at least six months within the first 12 months you own it, after it is practical to move in.

You can apply to have a maximum of $15,000 of your voluntary contributions from any one financial year included in your eligible contributions to be released under the FHSS scheme, up to a total of $30,000 contributions across all years. It is important to note that eligible contributions do not include the employer super contributions under the Super Guarantee, only voluntary contributions made by you. Further information can be found under the Australian Taxation Office website. STAMP DUTY CONCESSIONS The State Government has announced further concessions on Stamp Duty for first home buyers and an expansion to the concessions available for people purchasing properties off the plan. In some instances the discount is as much as 100% , and the property threshold to qualify for these concessions has also increased up to $1million. The new rules take effect from July 1, 2021, and the full detail of the expansion of the tax cut benefits are outlined on the Victorian State Revenue Office website. As not every Financial Institution is participating in these schemes it is best to speak with an expert to get the best advice. If you are potentially eligible to participate in any of these government initiatives, please give the team at SHL Finance a call. We can guide you through the eligibility criteria, the application process and ensure you receive all the assistance available to you.

Reece Droscher Mortgage Broker SHL FINANCE www.shlfinance.com.au JUNE 2021 | FIND CASEY

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5 Types Of Garage Door Noises And What To Do About Them GARAGE DOORS By Chantal Djuric

Noises from garage doors are like pains in our bodies – they tell us when something is not quite right. Here are 5 types of noises you may hear your garage door making. 1 Bent tracks If your garage door makes rubbing noises when you open and close it, this could be a sign that the metal rail has bent. Another sign of this is if you see loose screws. Don’t try tightening them using a wrench or socket set. Call a garage door specialist at once.

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

2 Loose parts

4 Unbalanced doors

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

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

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

5 Improper installation

3 Poor lubrication When the door moves, it results in friction, which can cause squeaking, rattling or grinding. If you think of lubricating the worn rollers, don’t reach for your WD40 – check with a garage doors specialist what the best lubrication is. Remember the extreme tension the torsion springs are under — don’t place any part of your body in or near the springs. Don’t repair, remove or adjust the springs or any connected components of the counterbalance system.

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

If your garage door is grinding, squealing or rattling loudly, it may have been installed incorrectly. Other indications of this closing or stopping halfway up, not closing or opening properly and being difficult to operate.

to your garage, the structure of your garage and its alignment to your house, your garage’s overall condition and even the weather are factors that only a specialised garage door expert can analyse to fix the noise problem. Here are 4 ways a professional garage door technician can make your door quieter: • • • •

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

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

The good news is that a garage door specialist can reinstall your door so that everything is aligned as it should be. Specialist assistance Fixing the noises of your garage door yourself is definitely not a DIY job. There are many factors to consider, such as the variety of garage doors – panel doors, roller doors etc. How they are attached

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au

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Signage is a Strategic Investment SIGNAGES By Glenn Martin

All growing things need attention to become strong. Your new business needs to build a presence so that it gets the attention it needs from customers to become profitable. The most cost effective and sustainable way to call attention to your business is by making sure you have shined a light on it. And the best way to do that — a well-branded, creative, hard-working signage solution. Here’s some stats, just in case you weren’t already convinced that investing in signage is a strategic marketing priority.

is hard to see, but yellow on grey or black pops. Other colour schemes are instantly recognisable as existing businesses. If you sell hamburgers, you probably want to steer away from the red and yellow of McDonald’s for example.

Consider your Branded Look.

Be Bold & Creative

The first step is an analysis of your site, from both an external and internal perspective, listing all your signage needs and opportunities. If you don’t have an advertising brand guideline, finding the right idea for your signage can be challenging. An effective and creative way to kick-start this process is to construct ideas boards on paper or digitally (Pinterest) to collate examples that grab your attention. Collect images from entire building looks to the very specific, for example materials used, colour palettes or illuminated effects that you love the look of. Be sure to review what your competitors are doing with their signage program so you can plan to be distinct. You might choose to engage a graphic artist to create your look or use one of our skilled designers.

Signage is about being memorable and getting a reaction. Be courageous and creative particularly with temporary signage such as window promotions, pre-opening hoardings and even A-Frames and floor decals. Signs that spark our curiosity or make us laugh can be highly effective. We can show you some incredibly creative examples that have been traffic showstoppers.

Reach Out If you already have a design, simply send us the files and we will be in touch to start the process, including a free consultation and site audit to help your business stand out from the crowd. If you’re unsure of exactly what you want to say, or how you’d like it to look, that’s okay too, just contact the team on 1300 633 902 and together we’ll create the perfect signs for your business. Ensure you get current promotions by following us on Instagram @Signarama_Mitcham.

Glenn Martin Managing Director SIGNARAMA

Keep it Simple to be Effective Best practice is to have 30-40% of your sign’s face area text and graphic free. Known as ‘white space’, this is important for optimal readability. From your external shop signs to your instore point of sale signs remember to use this rule. Use as few words as possible in your messages. The shorter the message, the easier it is to read at a glance. We can help you wordsmith your signage, based on deep experience of what works for similar businesses. Choose Smart Colours Consider colours carefully. Too many colours take away from the quick readability of the sign. Avoiding clutter is a good guideline to work with. Make sure your colours are contrasting for best readability. For example, yellow on white JUNE 2021 | FIND CASEY

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Favourite Ways To Make Coffee COMMERCIAL COFFEE MACHINE By Ivana Smith

There are probably as many ways of serving coffee as there are countries that grow the beans. Here are some of the most popular varieties available. Black and mostly black An espresso, also known as a short black, consists of a 30 ml shot of coffee made from 7 grams of coffee, straight from the machine served in a 60 ml porcelain cup. A single origin espresso uses coffee bean from a single origin, rather than one blended from various regions. A double shot espresso is the same as an espresso but with two shots. A double shot can be made by re-pouring hot water over the single shot or using a double basket (holding 14 grams of coffee) but extracted in the same timeframe (30 seconds) to produce 60 ml of coffee. Ristrettos are the same as an espresso shot, but only using the first half of the espresso shot (15 ml) which is sweeter. A long black is a typically Australian variation that is also found in New Zealand. Add 100–180 mls of water over an espresso (or double espresso) shot. Don’t add extra water to the espresso shot as you will eliminate the crema. ‘Macchiato’ is an Italian word that means ‘marked’ or ‘stained’. This refers to the teaspoon of frothy, steamed milk that ‘stains’ the espresso. About 1–2 teaspoons of steamed milk and a bit of foam are poured on top of an espresso shot. A macchiato is a good choice for coffee lovers who want something stronger than a cappuccino but not the hit of an espresso. You can relish the coffee and the sweet milk, all in one sip, while also enjoying the foam and body of the drink. Just add milk Australia’s favourite coffee is the flat white – and it was invented in Australia in the 1980s, though New Zealand also makes a claim of origin. Aussies didn’t want the mountains of foam that came with cappuccinos of the time so they asked for their coffees to be made white but ‘flat’. A flat white traditionally features two shots of coffee to which a small layer of steamed, somewhat frothed milk is added. It is traditionally served in a

250 ml porcelain cup. A flat white is smaller than a latte and usually contains more espresso. Because it has less milk, you can more fully experience the flavour of the beans. As its name suggests, the latte is similar to a flat white, but is more milky (because there is less coffee). Invented in the US, it is usually served in a glass and topped with a small amount of foam, around 5 mm. in Italy, a caffè latte is usually a very milky breakfast drink made with a shot of coffee from a stovetop espresso maker. It can be made with one or two shots of coffee. Cappuccinos are the oldest variation of coffee. The name ‘cappuccino’ comes from a Capuchin friar who supposedly invented it; the colour of the friars’ habits matched the colour of the beverage when milk is added in small portions. The original cappuccino was made by the Austrians when they added cream and spices to coffee in the 18th century. The Italian cappuccino seems to have come from Viennese-style cafes in Italian areas controlled by the AustroHungarian empire. Espresso machines became widespread during the 1950s, and cappuccino were now made from espresso and frothed milk. A cappuccino is made with one or two shots of espresso. This is poured into the bottom of the cup, followed by a similar amount of

hot milk, which is prepared by heating and texturing the milk using an espresso machine steam wand. The top third of the drink consists of milk foam dusted with chocolate or cinnamon, giving rise to decorative coffee art. It is typically smaller in volume than a latte, with a thicker layer of microfoam. Another popular coffee variety is the piccolo, an espresso shot with 90ml of steamed milk, sometimes ordered as a double shot macchiato. Whatever your preference for drinking coffee, you can be sure to find your favourite version somewhere in Melbourne! For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.

Ivana Smith Commercial Coffee Machine Xpresso Delight 0418 393 085 www.xdcoffee.com.au

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How The 2021-22 Federal Budget Is Supporting Women FINANCIAL PLANNING By Warren Strybosch

The safety and economic security of women was a prominent theme for the 2021-22 Federal Budget. Some of the announcements were as follows: Childcare Subsidy The Childcare Subsidy percentage for families with multiple children aged 5 and under in childcare has been announced to commence from 11 July 2022. This measure, if passed, will see an increase in the subsidy percentage by 30% for the second and subsequent child/ren, but this will be capped at no more than 95%. Women Only Scholarships The Government will offer scholarships to encourage women into science, technology, engineering and mathematics (STEM) careers. Increased Workforce Participation The Government seeks to remove more barriers for women who wish to re-enter the workforce after career breaks. They will provide more career opportunities and career pathways for women. Equitable household distribution after divorce

The Government proposes to provide assistance to lawyers to provide mediation services to those parties with assets less than $500,000 will have those assets distributed fairly after separation.

support women, it must be remembered that these announcements are just that, announcements. We will keep following this announcements and inform readers when this become legislated.

Women’s safety

This information is current as at September 2018. This article is intended to

The Government have announced several initiatives to reduce the instances of, and support the victims of Family, Domestic and Sexual Violence (FDSV) against women and children. Various funding initiatives have been announced and more programs will set up for women and children who have been subjected to FDSV, support programs on consent and respectful relationships and support to assist vulnerable women and children to engage with the legal system. Improving retirement outcomes The Government has announced the removal of the $450 per month threshold related to superannuation contributions. Given 63% of people impacted by the $450 per month threshold are women, it is hoped by removing this threshold that more women will have a higher super balance in retirement.

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, Clearview 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

While many of the measures announced in the 2021-22 Federal Budget aim to JUNE 2021 | FIND CASEY

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We’re back in lockdown, but there’s good news too! Due to the COVID-19 circuit breaker, all libraries are closed from Thur 28 May, with a planned reopening on Friday 4 May. Now for the good news – James Merlino, Acting Premier of Victoria, has stated that public libraries are able to offer click and collect services - music to our ears! Isn’t it great that Your Library is recognised as an essential service? Call + Collect You can call the team at your local branch and ask them to put together a bag of books, DVDs, or other library items for you and your kids. Maybe borrow something for your Mum and Dad too.

Tell our team what you like to read or watch and they may even include a surprise or two for you as well! Existing reservations More good news! The staff at your library will call you if your reservations are available and let you know they’re ready to collect. Why not ask the staff to include a couple of additional surprise items for you to read or watch?

Returns Our after-hours return chutes will remain open while the libraries are closed, with the exception of Belgrave Library. Don’t forget, Your Library is fine FREE. Are you house-bound? Please let us know if you are house bound due to illness, or another reason. We can’t promise you delivery, but we will do our best.

Collections You can collect your items between 9am and 5:30 pm, Monday to Friday, and from 10am to 12 noon on Saturday at all branches*.

Find your nearest library

Just for Kids! Storytimes We will be featuring online storytimes every day via our Facebook page. Please join us for some fun stories, songs and rhymes! ‌ Follow our facebook page

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Activity packs The Children’s Team can prepare activity sheets for different age groups, i.e. Toddlers 1-3 years, Pre-schoolers 3-6 years, Early Primary 6-9 years, and Primary 9-12 years. If you would like some activity sheets, let us know when you phone for your “Call + Collect” pack.

Find your library

Our digital library is open 24/7!

Don’t forget you have FREE 24/7 access (yes free!) to a wonderful range of digital resources via our website, including: •

eBooks

•

eAudiobooks

•

eMagazines

•

Streamable movies and documentaries (all ages)

•

Virtual storytimes

•

Online learning

•

Plus, there’s so much more to explore!

Explore our digital library

JUNE 2021 | FIND CASEY

2021 TA Director Identification Number The Director Identification Number (DIN) regime has been passed by parliament and become law. Under the new law, all directors of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm

Announcement (3-Dec-2019) Consultation (3-Dec-2019) Introduced (4-Dec-2019)

their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A register

Passed (12-Jun-2020)

is currently being developed by the Treasury and the Commonwealth Registrar. It is expected that the

Royal Assent (22-Jun-2020)

ability for directors to register will commence shortly. A draft instrument has also been published, which

Date of effect (22-Jun-2020)

would allow a transitional period to 30 November 2022 for existing directors to register.

SMSF Penalties For Underreported Expenses Legislated Non-arm's length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-

Announcement (28-Jul-2019)

commercial benefit. This new law will strengthen rules which were previously only part of guidance

Consultation (24-May-2018)

released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to

Introduced (24-Jul-2019)

previous interpretations of tax and super regulations in relation to super fund borrowings. Draft ATO guidance has provided further situations where an SMSF may have underreported non-arm's length expenditure, including where it may apply to all income.

Passed (19-Sep-2020) Royal Assent (2-Oct-2019) Date of effect (30-Jun-2019)

FBT Exemption For Retraining And Reskilling Proposed An exemption from fringe benefits tax has been proposed for when an employer provides an employee with retraining or reskilling opportunities at or prior to redundancy. This 2020 federal budget announcement will take effect from 2 October 2020, subject to the passing of drafted legislation. The government has also released a consultation paper with respect to possible changes to the self-

Announcement (6-Oct-2020) Consultation (29-Apr-2021) Introduced Passed

education deduction section for individual taxpayers. These measures may provide a tax incentive for

Royal Assent

employees to change careers, in particular if they are about to be made redundant.

Date of effect

Granny flat arrangements set for CGT exemption A "targeted" capital gains tax exemption relating to granny flat arrangements has been proposed in an exposure draft following a 2020 federal budget announcement. The intention of the new legislation is to remove financial impediments when a granny flat arrangement is legally created. A formal arrangement would generally trigger CGT event D1, which often leads to informal arrangements. As family is usually

Announced: 18-Jan-2021

involved, often it is these informal arrangements which can inevitably lead to financial and elder abuse. The

Updated: 11-May-2021

exposure draft is yet to be tabled into parliament and would require swift approvals prior to 30 June 2021. The proposed CGT exemption will have effect from 1 July in the following income year after Royal Assent.

Reviewing denied JobKeeper or Cash Flow Boost receipts A recent report into the ATO's administration of JobKeeper and Cash Flow Boost payments has uncovered situations where the ATO has incorrectly denied entities access to the stimulus payments. Some new businesses were informed that they were ineligible due to not having informed the ATO of any taxable supplies prior to the commencement date of 12 March 2020. However, the report acknowledges that this was misinterpreted by the ATO. In particular, the modified definition of taxable supply to include financial supplies. Originally, the report states that the ATO was not going to chase up businesses who may have been incorrectly determined to be ineligible. However, the ATO has recently stated that they will be reviewing all decisions where the Commissioner's discretion was not granted. Any affected clients of yours are likely to be contacted by the end of June 2021.

Announced: 18-Jan-2021 Updated: 11-May-2021

AX UPDATES Low And Middle Income Tax Offset (2021 Federal Budget Update) The low and middle income tax offset (LMITO) was introduced in the 2018 federal budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents. Originally due to run over 4 years, in the 2020 federal budget phase 2

Announcement(8-May-2018)

of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of

Consultation(11-May-2021)

30 June 2021. In the 2021 federal budget it was announced that LMITO would be extended to the 2021-22

Introduced

income year. This announcement is subject to the passing of legislation. The LMITO will provide an additional offset of up to $255 for individuals on a taxable income of $37,000 or less. Taxpayers up to $48,000 will get an increased LMITO up to the maximum amount of $1,080. The maximum LMITO is available for Australian

Passed Royal Assent Date of effect(1-Jul-2021)

residents on incomes up to $90,000 and will tapers off to $0 for individuals with a taxable income of $126,000.

Apprentice Wage Subsidy Programs (2021 Federal Budget Update) All eligible businesses who employ an apprentice between 5 October 2020 and 31 March 2022 are eligible to receive a 50 per cent wage subsidy. The wage subsidy is available for 12 months from commencement of employment, which the maximum available subsidy of $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people to transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program and there is no longer a maximum number of available places. This program currently services employers by providing cash payments when apprentices meet certain targets. Another program

Announced: 12-Mar-2020

for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as

Updated: 13-May-2021

opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected national economic downturn due to COVID-19. The wage subsidy is based on which apprentices held employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. As of July 2020, the government extended the measure to include medium-sized businesses from 1 July 2020. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Loss carry-back available for companies (2021 federal budget update) 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 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 balance of the franking account. In the 2021 federal budget, the ability to utilise tax losses for a refund

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

has been extended by 12 months into the 2022-23 income year. The extension is subject to the passing

Royal Assent(14-Oct-2020)

of legislation. An ATO form is now available for companies who are early balancers under a substituted

Date of effect(1-Jul-2021)

accounting period.

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JUNE 2021 REALESTATE

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If you have any questions, contact Warren on 1300 88 38 30 or email to: editor@findcasey .com.au

REAL ESTATE AGENT

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

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JUNE 2021

Winter Arts Festival 2021 The jewel in the City of Casey’s art calendar is back. After a brief interlude last year, the Winter Arts Festival is returning, as spectacular as ever. From 18 June until 22 July, the festival will showcase performances, events, workshops, film screenings, digital stories and exhibitions. Celebrating its nineteenth year, the festival, which is created by the community for the community, has come to embody the community’s passion for the arts and the vibrant culture that is the City of Casey. While encouraging arts participation, community pride, as well as social, cultural and environmental awareness, the festival also includes a range of FREE or low-cost school holiday options to keep children’s imaginations active during the winter holidays.

After the festival was cancelled last year due to the COVID-19 pandemic, City of Casey Chair of Administrators Noelene Duff PSM is encouraging everyone to get involved in this year’s festival as the arts community recovers from the impact of the COVID-19 pandemic. “Council recognises that the arts sector is one of the many industries heavily impacted by the pandemic and this festival provides us with a fantastic opportunity to not only support and celebrate our local arts community, but also provide local artists and art groups great exposure and recognition,” Ms Duff said. A launch party will unveil a centrepiece of the festival, a giant replica of the Earth’s Moon by artist Luke Jerram. Measuring seven meters in diameter, the dazzling giant sphere will be in Bunjil Place Plaza from Friday 25 June until Sunday 4 July.

Artists across Casey will be taking part in exhibitions and have viewings in their studio spaces during the Winter Arts Festival, there will be FREE and ticketed events, and activities running at venues and spaces, as well as online. Drop in to one of the Casey Art Spaces for FREE and see what’s new or meet and greet an artist to learn about their practice. View the full festival program on the Casey Arts website page.

Full Festival Program

JUNE 2021

Learner driver volunteers recognised at special event

Luke Donovan, from the Department of Transport, described the program as “amazing”. “To be able to provide supervised driving experience to these young learner drivers, who do not have access to a supervising driver or a car to achieve the required 120 hours, is a brilliant service to your learner and to the wider community,” he said. Learner driver Ava* told the audience that when she started the L2P program in December 2020, she had only four hours driving experience, but has since increased her total to 55 hours.

On Tuesday 18 May 2021, the Casey TAC L2P program held an event in Narre Warren to acknowledge the generous contribution of our L2P volunteers and to celebrate National Volunteer Week 2021.

Margaret joined L2P as a volunteer in 2012 and has contributed more than 1,039 volunteer driving hours. Margaret told those at the event that she has supported 14 learners to obtain the hours required to sit their license.

This night of celebration and recognition—especially significant in light of the challenges that COVID-19 has presented — was attended by L2P volunteers, program driving instructors, representatives from the City of Casey’s Safer Communities team and the program funding body, the Department of Transport.

“I am in a position to facilitate multiple lessons a week, which means building my learner drivers’ hours up quickly, so they can be successful in getting their licence,” she said.

Program officers congratulated and celebrated long-term volunteer, Margaret Caffyn, who was nominated for a Westfield Local Hero program award, acknowledging her valuable contributions to the program.

Other speakers at the event included Casey L2P mentor, Ian Norman who reflected on his experience with the program. “How important this program is for those young people that do not have anyone to support them with their mandatory driving hours,” he said.

Casey Young Writers Festival

“Soon I will be halfway through achieving all my hours. I never believed that I would be able to do this but my mentor, Bill, has made that possible for me,” she said. “Bill devotes four hours a week to take me driving and experiencing all different types of driving situations. I cannot thank him enough!” All volunteers were awarded certificates of appreciation and a gift. We are always on the lookout for volunteers to join the TAC L2P program. Find out how you can join a dedicated team of mentors who have assisted hundreds of learners to get their licence. *Name changed for privacy reasons.

More News and Updates

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Are you Not-For-Profit in Casey Area? Advertise your events for FREE on the following pages. 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.

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We’ve got all your everyday shopping needs covered. At Casey Central you’ll find over 90 shops, three Supermarkets, Kmart, an amazing fresh food hall plus loads of options for takeaway and casual dining. See you here soon!

My Place, starts here.

PLAN YOUR VISIT

Free WIFI

Opening Hours

Is accessible throughout the mall.

Monday- Wednesday 9am – 5.30pm Thursday- Friday 9am – 9.00pm Saturday 9am – 5.00pm Sunday 10am – 5.00pm

Playground info

Our supermarkets, Kmart and our food retailers may have extended hours, please visit our website for individual store trading hours. Kids Mornings We offer FREE Kids events which run every Saturday from 11am – 2.00pm.

Located in our food hall, we have a great undercover playground to help entertain the kids while you enjoy a coffee. In addition, our bright & colourful interactive Casey Critter themed indoor playground is located near Woolworths with access to cafes with seating areas. Gift Cards Unsure of what to get them? Purchase the gift of choice with a Casey Central gift card. Available for purchase from Centre Management Office Monday – Friday 9am – 5pm.

SERVICES

Bike Racks & Borrow a Bike Lock

Onsite Security

To keep your ride safe, we have bike racks located outside all entrances.

Our security team is onsite 24 Hours, 7 Days, please don’t hesitate to get in touch on 0488 606 586 if you need assistance. Wheelchair Hire Wheelchairs can be loaned free of charge from the centre Management Office. Identification and details are required. If Centre Management is unattended, please feel free to contact our security team on 0488 606 586 who can assist.

We also offer a ‘borrow a bike lock’ service to customers who may have forgotten their bike lock. It’s an alternative to leaving your bike unsecured or attempting to bring your bike into the centre which is prohibited. You’ll need to provide your details and provide ID, contact our security team on 0488 606 586 who can assist. Car Parking

Lost Property

We have almost 1400 car parking spaces available for our customers, including disabled and parents with prams parking spaces.

Lost and found can be directed to Centre Management on 9768 4101 from Monday to Friday, 9am – 5pm.

Gift Cards

Public Amenities Our public amenities are located near Woolworths and Coles, both include ambulant toilet facilities. Parents Room & Baby Change

Unsure of what to get them? Purchase the gift of choice with a Casey Central gift card. Available for purchase from Centre Management Office Monday – Friday 9am – 5pm. Getting Here Contact

Baby Change facilities are located in two locations, in the ambient toilet near Woolworths or our full service parents room near Coles.

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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

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Sat: 10am -1pm

Sun: CLOSED

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DON'T RETIRE EVEN IF YOU CAN AFFORD TO

RETIREMENT By Bernard Kelly

You should never plan to retire – even if you can afford to. Plan instead to get involved with organisations that will provide you with on-going mental stimulation. We are all social creatures, and we need friendship and companionship to maintain our sense of wellbeing. This happens naturally early in life, in school or in the workplace, but we need to fertilise it somewhat when we exit the workplace and need to find new friendship groups. RETIREMENT MAY LAST 35 YEARS We need to take the long view on this – after all friendships emerge from shared and common interests, so it’s worthwhile to give some thought to where can we meet others with the similar interests. One approach is to associate with recently formed organisations – creating together a whole new Movement with new colleagues will definitely generate new friendships.

An alternative approach is to create a completely new Movement. If you like singing, and there’s not a choir locally, why not start a choir yourself? FIND A NOBLE PURPOSE Suppose you want to establish something unique – such as a miniature railway – it would be worthwhile to list the advantages that you could offer to local youth. You could promote it as an introduction to civil engineering, to mechanical engineering, to business management etc. Once you can paint the vision of that can be achieved, you’ll attract new colleagues and develop friendships. And another attraction of creating a new project is that you’ll have commitments and deadlines to meet – as children our parents set obligations for us, the teachers do it for us at school, and it was the boss who did that when we were in the workforce.

SEASONAL CHARITIES However, not everyone has the capacity to create their own movement. But you may still like the excitement that comes with a new venture. If that’s you, why not join a seasonal charity? They offer excitement and deadlines and new friendships. They may be just what you’re looking for. One that comes to mind is Elf Squad. This charity – initially focused on Geelong - helps families in need at Christmas, by providing 'Elf Sacks' filled with Toys, Treats & Tech. You’ll find Elf Squad on Facebook.

Bernard Kelly Bernard Kelly writes about retirement issues. To comment, his email is bernardkellygeelong@gmail.com

But once we’re retired, we need to create those responsibilities for ourselves.

JUNE 2021 | FIND CASEY

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KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

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Melbourne’s Best Kept Parenting Secret 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! 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 848 418 www.theparentwhisperer.com.au

Save Your Time & Grow Your Business CONTACT US

SERVICES WE OFFER:

Sum and Substance Bookkeeping,

• New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up • Virtual CFO • Training and Webinar • Small and Medium Size Business Owners • Setup, Training & Review • Phone and Email Support • Payroll • Bookkeeping

Training and VCFO services Neha Nayyar - Director 9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095 Office: (03) 9424 9447 Neha: 0401 409 573 Email: info@sumsubstance.com.au Website: www.sumsubstance.com.au

Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers 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.

0418 300 096 ABN: 26689211803

sales@heightsafetyinsurancebrokers.com.au www.heightsafetyinsurancebrokers.com.au

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.

JUNE 2021 | FIND CASEY

Signarama Mitcham Signarama Mitcham your one sign shop. Using the latest signages technology and highest quality products, Glenn and team at Signarama Mitcham produce eye catching, quality custom signs. We can design, produce and install the perfect signs to advertise your product, or to inform your customer, while enchancing the image of your company. If you can think it, we can make it.

PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

• Design • Brand Audits & Consultation • Manufacturing

We offer contact-free installation! Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime. Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

Get in touch today. 03 9874 0543

We are open and here to support your business. Signarama Mitcham

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS OUR SERVICES

Get the Morthgage You Deserve

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FIRST HOME BUYERS

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INVESTMENT LOAN

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reece@shlfinance.com.au

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0478 021 757

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BRIDGING LOANS

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INSURANCE

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www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

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LOCAL TRADIES

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

INDEX

We are available for Emergency Repairs 24/7

PROFESSIONAL SERVICES • Garage Doors ---------------------- 53 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

in Melbourne and Surrounding Areas

A Garage Door Specialist you can Trust Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call. • • •

Roller garage doors Security garage doors Electric garage doors

• • •

Wooden garage doors Garage door locks Up and over garage doors

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

CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED

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100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

MACCHIATO

CAPPUCCINO

WE'R

E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

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State-of-the-art Swiss technology

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Grinds fresh beans for each cup, no powders

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Automatically heats and froths fresh milk for each cup

FLAT WHITE

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

SHORT BLACK

LONG BLACK ....and many more! JUNE 2021 | FIND CASEY

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HOME & GARDEN

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Email your ad to editor@findcasey.com.au

INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

TRADIES - FREE ADVERTISING 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 www.findcasey.com.au/graphic-design to upload your details and we will create this for you. The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

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

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HEALTH & BEAUTY

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Email your ad to editor@findcasey.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 57 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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 • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeletal 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

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc Grad Dip Paeds Lactation Consultant (IBCLC)

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women

JUNE 2021 | FIND CASEY

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

SPORTS

VICTORIA WINS RSL NATIONAL LAWN BOWLS CHAMPIONSHIP Victoria has won the 53RD National RSL Lawn Bowls Championship, successfully winning all Tests at the National RSL Bowls Carnival in Sydney ,at the Cabramatta Bowling Club on 28th to 30th April 2021. This carnival is run on an annual basis, vying for the Jack Hamilton VC trophy, with each of the states hosting the event on a rotational basis. Perth is host for the 54th National Carnival in April 2022. Twenty players in five rinks of four, as selected by their respective state bodies, compete in 5 tests over two and a half days in fierce but friendly competition. This competition also allows all participants to renew old acquaintances and to create new and lasting friendships with all the people who have served our country with courage, dignity and pride. Congratulations to all Victoria’s players for a magnificent effort. This event is open to full service RSL members only, but Victorian RSL Lawn Bowls conducts a few RSL State events open to all Affiliate and Service members. These include: * RSL State fours and triples championships, * ANZAC Day Tournament and the Challenge Day tournament, * Duke of Edinburgh Shield. * Further news on the Edinburgh Shield in next edition.

JUNE 2021 | FIND CASEY

June 2021

Birth, Deaths & Marriages

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

June 2021

Birth, Deaths & Marriages

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

JUNE 2021 | FIND CASEY

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Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS editor@findcasey.com.au 1300 88 38 30

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Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

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Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findcasey.com.au 1300 88 38 30

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

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JUNE 2021

Find Casey - June Edition 2021

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