Find Casey 2021 - May Edition by Find

Casey The

MAY 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

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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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NEXT ISSUE Next Issue of the Find Casey will be published on Tuesday June 8, 2021. Advertising and Editorial copy closes Friday June 4, 2021.

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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.

Telehealth Extend Until End of December By Rebecca Gredley (Australian Associated Press)

Medicare-subsidised telehealth sessions will be extended until the end of the year, with plans afoot to make it a permanent part of Australia’s health system. Health Minister Greg Hunt on Monday confirmed the $114 million six-month extension, which will make telehealth available until the end of December. Mr Hunt is working with the Australian Medical Association and various health groups to figure out the best way to permanently incorporate telehealth into the system. “We have, in the context of COVID, changed the way we deliver medicine in Australia, and so made health more accessible for people in rural and remote areas,” the minister told reporters on Monday.

The Australian Psychological Society said 94 per cent of psychologists were using telehealth to provide mental health support to Australians.

More than 54 million telehealth consultations have taken place since the start of the pandemic, when coronavirus restrictions made it harder for people to attend appointments in person.

The society’s president Tamara Cavenett said the extension would ensure Australians could receive mental healthcare regardless of lockdowns, isolation or health concerns.

“Disrupted treatment plans can mean two steps forward and one step back,” she said. “Knowing telehealth psychology sessions can be accessed under Medicare until the end of the year provides muchneeded certainty for psychologists and their clients.”

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Mothers Make the World Go Round This is a special shout out to all you mothers your own businesses, or for others, and do all the work for the those you We want to acknowledge all world for the tireless work love you provide to your community.

for Mother’s Day. You work hard, be it in then you come home and sacrificially love. those mothers out there in the you do and for the constant family, friends and wider

We want to wish all those mothers who child this year. We and we hope your blessing to you, age.

first-time mothers and have had another wish you all the best children will be a now and in your old

For those who are mothers, we hope reality for you we look forward motherhood with you

hoping to become this becomes a this year and to celebrating next Mother’s Day.

For those mothers who we think of you, and send to you. We hope you have you through this time.

have lost loved ones, warm wishes and hugs others around you to help

To all mothers, our hearts go out home and make it the loving place

to you. You are the heart of the that it is.

Outcome of Millimetre Wave Spectrum Auction By Warren Strybosch

Five companies have won spectrum in the Australian Communications and Media Authority’s latest spectrum auction in the 26 GHz band. The 26 GHz band has been identified as optimal for the delivery of 5G wireless broadband services.

won 116 lots for $226,203,100, Pentanet Limited won 4 lots for $7,986,200, and Telstra Corporation Limited won 150 lots for $276,576,200.

Of the 360 lots available in the auction, 358 were sold, realising a total revenue of $647,642,100, equivalent to almost $0.0127/MHz/pop.

“This outcome represents another significant milestone for 5G in Australia. The successful allocation of this spectrum will support high-speed communications services in metropolitan cities and major regional centres throughout Australia,” said ACMA Chair Nerida O’Loughlin.

Dense Air Australia Pty Ltd won 2 lots for $28,689,900, Mobile JV Pty Limited won 86 lots for $108,186,700, Optus Mobile Pty Ltd

“This auction is one among a suite of licensing approaches that the ACMA has introduced in the 26 GHz and 28 GHz bands

to encourage a wide range of innovative communications uses,” said Ms O’Loughlin. Licences won at auction will come into force later this year, for a 15-year term ending in 2036. The full results have been published on the ACMA website. MR 10/2021 For more information, please contact ACMA Media on 0438 375 776 or media@ acma.gov.au.

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Pfizer CEO says a THIRD Covid Vaccine Dose will be needed as soon as six months after someone receives two shots - and then people will be vaccinated annually

Pfizer Inc's CEO says he believes people will 'likely' need a third dose of the COVID-19 vaccine. During a panel discussion hosted by CNBC in conjunction with CVS Health that aired on Thursday, Albert Bourla said a potential booster shot would be administered six to 12 months of being fully vaccinated. Bourla added that he thinks it is possible that people will need to be immunized against coronavirus annually. 'There are vaccines that are like polio that one dose is enough...and there are vaccines like flu than you need every year,' he said. 'The Covid virus looks more like the influenza virus than the polio virus.' Recently, updated from clinical trials showed that the Pfizer vaccine was more than 90% effective at preventing COVID-19 six months after the second dose. However, more data is needed to determine if protection lasts beyond six months (Berkeley Lovelace Jr., 2021) (Source: CNBC)

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WHAT IS MYOSITIS? NATURE & CONSERVATION By Liz Sanzaro

A sneaky rare inflammatory condition, generally taking between 5 to 8 years and also a muscle biopsy to eventually get a firm diagnosis. It is sneaky, because often it starts without a fanfare! Just general fatigue, loss of strength in legs and arms. A two litre container of milk becomes heavy and jars become impossible to open, gardening more difficult as well as tiring and getting up off the ground extremely difficult. A person might find that they need to use two hands either on the arms of a chair or one on a table to get upright from seated position. An aid, such as shown below may be required to stand from sitting and also from getting off a regular height toilet.

Image Courtesy of Medical news today

Myositis is a group of inflammatory muscle conditions that worsen over time, there are some pharmaceutical drugs used to alleviate symptoms in some types but at present there is no cure. A dedicated specialist in Perth, has gathered DNA from a good size sample of sufferers and some control people without the disease, to see if there are any obvious markers, this work is in progress currently.

Image Courtesy of Vintage Fitness

Image Courtesy of medical express.com Image Courtesy of Havard Health

Myositis often presents with a large bag of “goodies” actually baddies, from which some people may have two or more of the following associated conditions. Dry eyes, trouble swallowing, tendency to trip on the slightest change in levels on ground, slightly elevated white cell count, or other associated autoimmune diseases like Rheumatoid arthritis, Osteo arthritis, Raynauds syndrome, Scleroderma, or Pulmonary fibrosis. The swallowing issue can sometimes cause a cramp spasm of the muscles in the oesophagus, which sufferers say feels like a heart attack, but will generally pass within a few minutes.

Very observant medicos and allied health professionals may be the first to notice something rather than a GP. For example, a podiatrist, when watching a client walking with new orthotics, may notice that the feet are not picked up to a regular height. Or watching someone get up from a chair, they will use other forms of support to push up, not just their thigh muscles. Friends and relatives may notice the lack of stamina when walking, particularly uphill, or worse on stairs. Trying to pull down a disability seat in a train is too hard, holding a petrol pump at the bowser may cause hand cramping. Reaching above head height becomes increasingly difficult.

The muscles are affected at a cellular level by an attack from the persons own immune system. Sometimes a particle is left leaving behind inside the muscles, this is called Inclusion Body Myositis. There is also Dermatomyositis which can affect muscles and skin. There is even Juvenile Myositis. All forms effectively damage what were healthy muscle tissue, leaving it weakened irreversibly and affecting the person’s ability to function effectively. Australia has it’s own Myositis Association with meetings held quarterly to support each other. More information can be found at www. myositis.org.au

Liz Sanzaro President of Croydon Conservation Society www.croydonconservation.org.au liz@sanzaro.com

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Accountants and Tax Agents To Verify Identity of Clients

By Warren Strybosch

The ATO and Tax Practitioners Board (TPB) are now requiring tax agents and accountants to verify new clients in an attempt to reduce identity fraud.

“We’re asking that they perform identity checks from this point on, at the next opportunity in their normal dealings with clients,” Ms Gallagher said.

“The Tax Agent Services Act 2009 does not expressly set out minimum requirements for tax practitioners to verify a client’s identity,” he said.

In a joint statement, the ATO said it has seen an increase in attempts by criminals to commit refund fraud by stealing the identities of taxpayers. This, the ATO said, has coincided with an increased reliance on technology and remote working practices.

The ATO is encouraging tax practitioners to voluntarily start adopting the new client verification standard immediately before it becomes law. The TPB hopes that these measures will better protect Australians from tax fraud via identity crime.

The ATO and TPB will bring in mandatory laws which will require tax practitioners to verify the identity of new clients and for existing clients, only when they next do any work for them.

"However, there are implications under this Act if tax practitioners fail to take reasonable steps to ensure the identity of their clients is established. Our draft guidance provides practical guidance and examples, so tax practitioners do not fall foul of their obligations and put their registration and business at risk.”

TPB chair Ian Klug AM said the guidance will apply to all registered tax practitioners regardless of whether they use the ATO’s online services or not.

So, when you see your tax practitioner next time, be prepared to produce your Drivers Licence or other form of Identification to prove your identity.

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Suncorp Sells Super Business to LGIASuper

By Warren Strybosch

Another bank has sold their superannuation business. Many banks have now divested themselves of their financial planning arm of the business with SunCorp being one of the latest to do so. Suncorp is selling its superannuation business to a less known company called LGIAsuper. Suncorp believes this is a good outcome for its 137,000 superannuation members. This will help LGIAsuper grow its superannuation under advice to $28 billion before it’s proposed merger with Energy Super.

“The values and purpose of LGIAsuper, which is also headquartered in Queensland, align closely with those of Suncorp. This transaction will also enable the combined businesses to take advantage of size and scale benefits,” said Suncorp CEO for banking and wealth Clive van Horen. LGIAsuper has also agreed to offer roles to the approximately 130 employees who work directly or indirectly within the wealth business. For those Suncorp members who would like to have a choice in the matter and

be provided with a FREE review of your current superannuation, we invite you to reach out to Find Wealth Pty Ltd, who will provide you with a Free Super Report. The Free Super Report will compare the fees you are currently paying to what is out there in the marketplace with other reputable superannuation funds. To receive your Free Super Report, email Find Wealth at warren@findwealth.com. au. Alternatively, call Find Wealth on 1300 88 38 30. Warren Strybosch, the Find Wealth Financial Advisor, was the Holistic Financial Advisor in all of Australia for 2020.

Car Buyers May Pay More Amid Shortage Steven Deare

(Australian Associated Press)

Australians buying new cars have been warned sellers have the upper hand while a supply shortage continues. The nation’s peak industry group on Wednesday said buyers continued to face delays for deliveries as global supply chains remain crippled by the coronavirus. Car manufacturers are struggling to gain ample semiconductors to meet demand, as the ramifications of the virus outbreak last year continue.

Deliveries of Sony’s PlayStation 5 console, made available last year, were also limited due to similar problems in supplying semiconductors. NRMA spokesman Peter Khoury had advice for prospective buyers. “There really isn’t much opportunity to negotiate on price because whatever cars are there, dealers are selling,” he said. “It’s definitely a seller’s market.” The NRMA has been trying to acquire more cars for its Thrifty rental fleet as travel demand improves.

Mr Khoury said this was not easy due to the shortage. He expected the nation’s vehicle shortage to ease later in the year. Federal Chamber of Automotive Industries director of innovation Peter Griffin said customer demand was strong in spite of the delays. The industry recorded its sixth consecutive month of growth on the past financial year, which was wracked by COVID-19. There were 92,347 new vehicles sold in April, an increase of 137.2 per cent on the same month last year. Toyota was the most popular choice, followed by Mazda and Mitsubishi.

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Us Pressure To Stop Fossil Fuel Subsidies Daniel McCulloch and Rebecca Gredley (Australian Associated Press)

The strategy forms part of the government’s plan to cut carbon emissions and comes ahead of a global Leaders Climate Summit, hosted by Mr Biden on Thursday to coincide with Earth Day.

US energy policy expert Alden Meyer says that includes Australia.

Australia’s peak oil and gas industry body said the investment in new hydrogen and carbon capture and storage projects would be a massive boost for the sector.

“We are in a big hole with climate change and yet we are paying people to produce and burn more of the things we say we don’t want. It makes no sense at all.”

“We want to make clean energy more affordable and reliable while looking for ways our investments can get more people into work,” he said on Wednesday.

“Coal will play a big role in our energy mix for many years to come, it’s an important source of our energy right now and will continue to be,” he told 2GB radio.

“We cannot pretend the world is not changing. If we do, we run the risk of stranding jobs in this country, especially in regional areas.”

The US is moving to phase out subsidies for fossil fuels and is using its power to urge other countries to do the same.

“The old saying goes when you’re in a hole the first thing is to stop digging,” he told an online forum.

Mr Meyer says the US has taken a wholeof-government approach to climate change, which Mr Biden described as an existential threat in his campaign.

“Australia is going to be hearing about it in every meeting,” Mr Meyer said. “This is going to be unrelenting pressure on every front where Australia has to deal with the United States.” Mr Biden is expected to pledge to halve the country’s carbon emissions by 2030 from 2005 levels. The United Kingdom will also announce ambitious carbon reduction targets that include shipping and aviation emissions.

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Study Finds How to Mend a Broken Heart

By Maureen Dettre

(Australian Associated Press)

Australian researchers say they’ve figured out a conundrum that’s been a mystery since the dawn of time – how to mend a broken heart. The landmark study by Monash University has for the first time uncovered a way to prevent and reverse damage caused by broken-heart syndrome, also known as Takotsubo cardiomyopathy. The syndrome causes a weakening of the left ventricle, the heart’s main pumping chamber and is brought on by stressful emotional triggers often following traumatic events – such as the death of a loved one or a family separation. The condition mimics a heart attack with chest pain, shortness of breath and irregular heartbeat. There’s no standard treatment for broken-heart and while death is rare, heart failure occurs in about 20 per cent of patients, with limited therapeutic options.

Using mouse models, the pre-clinical study showed the cardioprotective benefit of a drug called Suberanilohydroxamic acid, or SAHA, dramatically improved cardiac health and reversed the brokenheart. Researchers used SAHA to target genes and is a world first for Takotsubo cardiomyopathy. SAHA which is already approved by the US Food and Drug Administration and the Australian Therapeutic Goods Administration because it’s used to treat cancer. It works by providing a protective benefit to genes. Monash Professor Sam El-Osta said the study showed the drug not only slowed cardiac injury, but also reversed the damage caused to the stressed heart. In western countries Takotsubo occurs almost exclusively in women, especially after menopause, with new research suggesting that up to eight per cent of women suspected of having a heart attack may have this disorder.

The precise cause isn’t known but experts think that surging stress hormones essentially flood the heart, triggering changes in heart muscle cells or coronary blood vessels (or both) that prevent the left ventricle from contracting effectively. This causes the heavy-achy-feeling you get in the chest which can be mistaken as a heart attack. Most patients recover fully within two months but the bad news is that along the way some patients suffer from significant heart failure and other complications. “This pre-clinical study describes a new standard in preventative and therapeutic potential using a cardioprotective drug that targets genes in the heart,” Professor El-Osta said. The team is committed to the research of women’s health recognising the uneven sex prevalence of almost 9:1 (female to male). The paper is published in the journal Signal Transduction and Targeted Therapy.

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SMSF – Are You Ready For The New Independent Auditor Standards? ACCOUNTANT By Warren Strybosch

With the introduction of new independent auditor standards which take effect on the 1st July 2021, trustees and advisors will need to review their documentation before an audit falls due. Already, trustees are having to get new investment strategies put in place as most auditors, if not all, are now not accepting the standardised investment strategy found in most trust deeds. Auditors are wanting to see investment strategies that reflect the client’s circumstances and to address issues around single assets e.g., property. Also, auditors will be looking more closely at personal insurances for members and trustees to make sure they are adequately insured or that the trustees/members are fully aware of the issues when faced with underinsurance or where there are no insurances in place. Given most accountants are not able to provide advice around investment strategies and/or personal insurances, they will need to refer their clients to a financial advisor. This means trustees will be paying more money in fees to make sure the SMSF remains compliant. The issue is that these new independent auditor standards are based on interpretation and that there is not one standard that fits all. What we mean here is that each auditor can interpret the law differently. You will find some auditors will want to see proof the client has been to a financial advisor and not just had a discussion with the accountant. Others may want to view a detailed investment strategy outlining the future benefits or issues related to certain assets held in the SMSF. Speaking at a recent Topdocs strategy update, ASF Audits head of education Shelley Banton said with the new auditor independence standards will require greater considerations on how the new auditor is going to be looking at the SMSF investment strategies and if trustees have given consideration to their own personal insurance needs and the members personal insurance needs.

“Once there is a change in the auditor, the first thing advisers need to consider is whether the investment strategy actually complies with Reg 4.09 in all of those key compliance areas or does it simply recur to take the legislation because, if it’s the latter, then there’s certainly some work that needs to be done.” Ms Banton recommended that it’s better to be proactive and have a conversation with your SMSF auditor up front rather than waiting for audit queries to come through. This can be addressed on an entire basis of the fund’s strategy and can be a better approach when considering if the audit is going to be held up at the end of the day. Another area to consider is insurance where the requirement for trustees to consider insurance was introduced back in 2012. “Now this is something which is typically just considered in the annual minutes in each year because that is what comes through the SMSF administration software, so you may need to do a little bit more work. Think about if there is actually a specific addendum to the investment strategy which was developed at that time or is it actually included in the body of the investment strategy,” she said. “It’s an aspect to consider because SMSF auditors will be looking more closely at this and it’s going to hold up the audit.”

of the fund justified in giving effect to the investment strategy? “Once again, all these are definitional elements of Reg 4.09 being considered in relation to these non-standard assets.” At the end of the day, Ms Banton said SMSFs need to make sure the investments are appropriate to the retirement needs of the member and the full circumstances of the fund. “These are the types of things that are going to be looked at and reviewed potentially with a fresh set of eyes for the first time,” she said. “There are a lot of questions that need to be answered not only in this area of compliance but obviously across the board with the new SMSF auditor, and once again, you may be better off having an upfront conversation to reduce any delays in completing your audits.” 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

“Let’s also not forget about non-standard assets. Have the trustees invested in derivatives, for example, and is there a derivative management statement in place? Think about if they have also invested in business real property, LRBAs or related unit trusts, and are the activities MAY 2021 | FIND CASEY

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Let’s Talk About the Importance of Training BOOKKEEPER By Neha Nayyar

Training is important because it represents a good opportunity for employees and business owners to grow their knowledge base and improve their job skills to become more effective in the workplace. Training empowers you and your team to learn new skills, refine existing ones and promotes performance and productivity. These are the ingredients which allow you to be the leader you’ve always dreamed of! Here’s our top 5 most important areas for training: 2. Financials - Understanding how to read these financial statements is the first step in understanding your business’ financial situation and a step towards making informed, strategic business decisions. It’s common among business owner’s to only review their financials once a year, at the end of a financial year, after it’s been prepared by their accountant. With some training Business owners can understand how to read the financial statements on a day to day basis and make those important decisions on the basis of facts and financial information. Training on financial statements creates a good basis for business owners to grow their business as an entrepreneur.

2. Marketing - How do you know whether your marketing plan is effective? Do you have a system which enables you to compare and analyse how your website or marketing campaigns are tracking? Having the ability to understand and compare your marketing tactics is highly effective for the success of any business. Marketing is often accompanied by a large cost so it is important to understand your marketing tactics is highly effective

for the success of any business. Marketing is often accompanied by a large cost so it is important to understand your marketing analytics to maximise the bang for your buck. A basic training on Marketing (even if you outsource it) will enable you to make correct decisions. 3. Human Resources - As a small business owner there are so many things to manage and take care of - sales, customer relationships, marketing, etc. - the list is endless. With all of these responsibilities it’s challenging to find the time for things that may seem lower on the list of priorities, like HR for example. Having a strong understanding for human resource management can have a huge impact on the culture of your organisation and the well-being of your staff. Being knowledgeable in human resource management will enable you to develop and implement policies for your business to ensure everyone is being looked after. 4. System Operations - We all want our businesses to run smoothly and efficiently but often don’t know how to achieve this. Well, we’re here to tell you that systems and processes are essential to the longevity of every business and it’s all about having the right procedures in place to ensure your business is operating optimally. By having solid systems in place you'll have the ability to 1. Measure your performance 2. understand and keep up with trends and 3. streamline your processes to increase efficiencies. Systems often connect different departments together so it’s important to understand how to set up these systems and put them into practice.

5. Upgrading in your own industry - It’s as important for you as a business owner as it is for your employees to continually grow and upgrade your skills to stay up to date with industry changes. Training in your field means you can work more efficiently each day and are always aware of new and smarter ways of doing the same activities. With the end of financial year just around the corner perhaps it’s time to review your internal training methods and improve any pain points you may encounter. At Sum and Substance we’re passionate about training business owners on the financial side of things allowing them to make informed business decisions. If you would like our support in training you or your team how to do your own books then please contact us. We can be reached at (03) 9424 9447 or email. 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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Squatters, Vacant House

(and how to get rid of them) SOLICITOR By David Heasley

What is ‘Squatting’? Squatting is the act of making use of empty, disused and abandoned property to provide yourself (or others) with free accommodation. Of course, this happens at the expense of others, and can have a severe effect on the amenity of surrounding properties. While squatting itself isn’t technically illegal, it is considered trespassing and opens squatters up to liability for criminal offences. So, How do I evict a Squatter who is NOT a Tenant? If a trespasser or squatter is in occupation, the legal owner is allowed to use selfhelp measures to get their property back. The issue may be in firstly identifying the owner, and then convincing them to somehow get into the property and change the locks and secure it. The catch is whilst they can legally do this, they cannot use violent entry if one of the squatters is actually in the property at the time and opposes them. Once identified, the ideal course of action is for the owner to call the police

and have them evict the occupants as (subject to the exceptions around people such as tenants and previous tenants) they have no legal right to be there and are potentially in breach of Section 9 of the Summary Offences Act 1996. Section 9 contains offences relating to trespass, such as entering a private place without authority, and neglecting or refusing to leave to leave a private place when instructed to do so by the owner, occupier or a person authorised to give that warning on behalf of the owner or occupier. An ‘authorised person’ would of course include a police officer. A person who fails to obey an instruction (to leave) may commit an offence, and be subject to as monetary fine and 6 months imprisonment. It is also worth remembering the police can pursue charges of wilful damage to property without identifying the owner. What if a Tenant allowed the Squatter in? If a tenant let squatters in (and assuming the landlord did not allow the tenant to sublet), it gets more complicated. In this case it’s probably best for the landlord to be safe and pursue the normal court possession options.

This is because if the landlord uses any ‘self-help measures’ (such as changinglocks) and the tenant comes back, the landlord is in the wrong. In the absence of a court ordering possession in the landlords favour, they will have to let the tenant back in again, even if they owe rent. Possession orders are in effect made “against the world”, meaning an order is valid against anyone who happens to be in the property, irrespective of whether they are named in court papers or not, so everyone who is in the property (including any squatters) must leave. In order to find the owner it may be necessary to request the council contact them on your behalf, or alternatively a title search can be done. For advice or assistance on this or any other matters contact David@ HeasleyLawyers.com.au

David Heasley

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What Would Love Do?

Sometimes we need a little help. Useful questions you could ask yourself in that moment when you ticked off your checklist and you need some help: •

If I was experiencing what my child is expressing, what might I need? What might love say?

•

“I wonder for what purpose is my child doing that” and then seek the answer from them rather than fill in the gaps. - What is love telling you?

•

I wonder what else might be causing that?”- what might love guide you to?

•

“If my child is not being bad/ naughty, for what reason are they behaving this way? What do they need? Who dothey need me to be in this moment? - what would love say?

•

“If there were no rules or expectations, how would I see my child in this moment?”- What would love say?

•

“How can I love my child in this moment in the way they need to be loved?”- What would love do?

•

“What do I need to be able to manage this?”- What would love do?

•

“I wonder what am I making my child’s behaviour/ emotional expression mean about me?”- What would love say instead?

PARENTING By Lesley-Anne Banton

When your child is not coping with the world, what would love do? When your child can not express themselves through words and it is all too distressing, what would love do? When you are not coping with or understanding your child and you have tried everything you can think of, what would love do? When you are feeling you have ticked all of the checklist of things you think you need to do for your child and it’s not working, what would love do? There is a wonderous world out there when you are navigating being a parent, so much uncertainty can come up, many things can be triggered and so much is yet unknow on your journey and your child’s. There is a unknow wonderous world for your child too. Children are born with an innate way of giving you clues of what they need however they are not born with an intact full understanding of themselves and the ability to fully express it in a way that it is obvious. They can give you hints and clues along they way. As well as the joy and delight that can come with being a parent and a child, there comes challenges and obstacles. And in these obstacles, you could discover that your child may need something outside the checklist to help them through the day or night. You might discover you need new understandings, strategies or skills to help you through the night or day. It is not always just ticking the boxes of what we know, it may be something more or different. It is also in these obstacles that heightened emotions (it is said that

children magnify and amplify everything within you), unexplained and unpredictable emotions can be expressed by the child and by the parent. Emotions can be misunderstood in your child and in yourself. Emotions can sometimes be mishandled, because of many reasons including generational rules and conditioning, our own internal triggers, what we have been told is bad behavior and that it needs to be punished or shut down, rather than be curious about it. In learning how to manage these obstacles there is no blanket approach. Each child and each parent are uniquely individual and experience the world differently. Each child and each parent were born with their own unique roadmap. Most times the child’s road map does not match that of the parent, yet it can be expected to. Be curious; seek to gain a clear understanding of your child and of yourself. Seek to understand what is going on for them and what is going on for you. Helping them to navigate and understand themselves, this may mean you need to seek outside or professional help. Observe or explore with them, if possible, what is going on in their internal world. Observe and explore what is going on for you in your internal world. Help to understand them and yourself more.

As Einstein once said, “you cannot solve our problems with the same level of thinking that created them”.

Is there something more beyond what we see? What would love do? If this has awakened something and you are curious about yourself or your child and you want to take the next steps to understand and empower yourself more, please reach out and contact me. Not everyone can create and maintain change by themselves, if this is you and you want to have a coach get you there quicker and with support, contact Lesley at theparentwhisperer1@gmail.com

Lesley-Anne Banton Life Coach THE PARENT WHISPERER 0432 848 418 www.theparentwhisperer.com.au

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Struggling With Breastfeeding? You’re Not Alone LACTATION CONSULTANT By Dr. Joanna Strybosh

International bodies concerned with the welfare of infants and children such as the World Health Organisation (WHO) and UNICEF agree on the recommendation that mothers should breast feed their babies exclusively to 6 months of age, and then continue to breast feed until 2 years of age or beyond. In line with the WHO, in Australia, the National Health and Medical Research Council (MHMRC) recommends that infants be exclusively breastfed until around 6 months of age when solid foods are introduced. It is further recommended that breastfeeding be continued until 12 months of age and beyond, for as long as the mother and child desire. In Australia, up 96% of women initiate exclusive breastfeeding after the birth of their baby. However, by one month of age this rate declines to 61% and by five months of age exclusive breastfeeding rates have dropped to just 15%.

This is despite the overwhelming evidence for the health benefits of breastfeeding to both mother and baby, both short term and long term. What we know is that the reasons many mums are ceasing breastfeeding are complex and multi-faceted. There are many obstacles to breastfeeding, such as social and cultural attitudes to breastfeeding in public, employer attitudes and support available towomen breastfeeding at work, health care providers knowledge and skills to support breastfeeding, short hospital stays, free samples of breastmilk substitutes, and length of maternity leave. Mums who are struggling with breastfeeding are encouraged to reach out to a qualified local health care provider. This may be their GP or Maternal Child Health Nurse or it could be a Lactation Consultant (IBCLC). An IBCLC (International Board-Certified LactationConsultant) is a health care professional who specialises in the clinical management of breastfeeding. They are charged with supporting, promoting and protecting breastfeeding.

They can offer practical advice and support on the many aspects of breastfeeding, from correct latch and positioning, how to know if baby is getting enough milk, supply concerns, expressing and storage of breastmilk, managing cracked/damaged nipples, mastitis and much more. Contact your local IBCLC today for support with your breastfeeding journey. Your local IBCLC can be found by searching on lcanz.org.

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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Repurposing Existing Buildings For Work Or Home ARCHITECT

BEFORE

AFTER

By Kathy Ismail

‘Adaptive reuse’ is architecture speak for reusing an existing building for a purpose that is different from the structure’s original function. If you are thinking of building your own home or moving work premises, why not consider reconverting an existing building. There are several reasons why this could be a viable option for you. Cost-effective Some industries need large floor areas for manufacture and office and convenience spaces for staff. Existing warehouses and factories are ideal spaces for innovative reuse. Their expansive open plan interiors were designed to house large machinery and have vast storage areas. These vaulted spaces can provide a blank canvas on which your architect can design and deliver a structure custom-built for your business. Repurposing a building to live in also can result in some attractive cost savings. After an architect, working in conjunction with a builder, has given a clean bill of health regarding the state of the foundations, walls, floors, walls, and roof, he or she can also give you ideas on an attractive, liveable interior design. Green In 2001, new buildings accounted for about 40 per cent of annual energy and consumption of raw materials, 25 per cent of wood harvesting, 16 per cent of fresh water supplies, 44 per cent of landfill, 45 per cent of carbon dioxide production and up to half of the total greenhouse emissions from industrialised countries. Twenty years on, it is even more vital that we try to preserve what we can of the environment.

Did you know that that the reuse of building materials usually involves a saving of these energy sources of approximately 95 per cent! Demolition and reconstruction is wasteful so bypassing these alone strongly promotes the environmental benefits of adaptive reuse. Combined with energy savings, repurposing buildings becomes an essential component of sustainable development. Social value Historic buildings give us a glimpse of our past and lend character to our communities as well as serving practical purposes in the present. When done well, adaptive reuse can restore and maintain the heritage significance of a building and help to ensure its survival. City councils have a duty to ensure that heritage assets – buildings, precincts, gardens or trees – are protected for future generations. The best way to conserve a heritage asset is to ensure its continued use as places that lose relevance can become vulnerable to neglect, decay or demolition. One such buildings is the Grand Hotel Melbourne, in Spencer St in the CBD. Originally built to house the Victorian Railway Headquarters, it has been repurposed recently into an apartmenthotel style with long-term residents. Another remarkable conversion is the Banbury Village in Footscray. The site was originally the Olympic Type Company but is now a residential village of 55 apartments. Some of these historical repurposed places are accessible to the public, such as the Abbotsford Convent complex and Montsalvat. Both offer a rich history for you to explore and the events that are held there are part of our

rich performing arts scene. The City of Maroondah has a mixture of architectural styles, from Edwardian in older parts of Ringwood to contemporary apartment forms which provide interest and contrast in the municipality. A great local example of adaptive use is the Ringwood Fire Station. This is an iconic example of how a building, not needed for its original function, has been preserved for future generations by being converted into a restaurant. The type and number of old buildings suitable for adaptive reuse include decommissioned churches that can be turned into homes, restaurants or apartments. Many medical practices operate in what was once a family home. If you are thinking of buying and repurposing a building of any sort, it is wise to bring an architect as soon as possible. They will be able to identify if the project needs a heritage consultant, and advise on the state of the building, get the necessary council permits and permissions and broaden your vision of what is possible regarding the design, inside and out. 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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Never Assume GENERAL INSURANCE By Craig Anderson

You may believe that it is possible to insure absolutely anything and everything, however let me tell you this is not the case. The insurance market has well and truly entered a phase referred to as a Hardened Market. This means that insurers are being more selective with risks they will consider, and may decline to quote occupations or premises they have previously insured. The decision to decline to renew a policy often has nothing to do with the insureds loss record, and more to do with the profitability of the market segment. Sometimes the Syndicate providing finance to the Underwriters have adjusted their “Risk Appetite” to avoid possible future losses after they have reviewed a risk, and decided the risk exposure is higher than originally thought. In other words, insurance has become harder to get and more expensive in many cases. In addition to price and availability issues, policies may be written in such a way that some losses, which you may assume are covered, are in fact either excluded, or by definition not included. One insurer offers a Motor Trades policy where there is a total exclusion on theft of a car stolen from a workshop using a key, regardless of whether the key was locked in a Key Cabinet, or with the car. Another insurer does offer an optional

policy extension, which will cover theft of a car with the key in it, or taken from a locked cabinet. As it is impossible to diagnose many faults without having the car running (with the key in it), there is an elevated risk of theft in the mind of the insurers. So one insurer seeks to eliminate their exposure by excluding it, and the other seeks to cover it for an additional cost as their risk calculations indicate the money they will make, outweighs the money they will lose. Both insurers totally exclude motor racing related activities, which causes the insured to turn away a potential revenue stream unless they take out an additional policy or a different one altogether, which can cover both. Never assume all of the features you need in your policy are in all of the policies in any given category, because you will be wrong. Insurers with product offerings in Australia are obliged to review their policy wording to remove as many ambiguities and unfair conditions as possible, which is a good thing, but gaps in cover can remain. If you DIY your business insurance and get it wrong, it could be the single most costly mistake you ever make. Let a Broker help you find the cover you need and take the guesswork out of the equation.

If you are interested in a review of your cover, please contact us from 9-5 weekdays.

General Advice Warning. 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

0418 300 096

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5 Benefits of Self-Publishing ACCREDITED EDITOR By Susan Pierotti

There are four publishing options available in Australia. What are considered traditional publishers (Penguin, Faber & Faber and Harper Collins) have been struggling since the digital age arrived. Traditional publishers have not survived very well and in fact, despite their names, they are all owned by only two English-language publishing companies – in the world! Another publishing model is to submit your manuscript to an independent press. Melbourne has the largest number of independent publishers in Australia but they are specific about what content they publish and there’s no guarantee that they will accept your book for publication. Hybrid publishers will charge you a fee and publish anything you give them but their range of choices is limited. The fourth option, self-publishing, gives you freedom of choice, and publishing your own book is now easier than ever. It costs time and money, however, so you may be hesitant to try it. Here are five benefits that may persuade you to selfpublish.

Front cover The front cover of a book is like a window into its soul. If you go to a bookstore and browse, you will find your eye attracted to some covers and not others. We are told not to judge a book by its cover; we need the warning because that’s precisely what we do!

Control of writing time If you have published with a traditional publisher before, you will know about deadlines. Even if you turn your book over to a hybrid publisher, there is still a schedule to consider.

Traditional publishers will choose the cover for you. Custom publishers will give you a choice of perhaps four. If you selfpublish, you can hire a book cover artist and work in detail with him or her to get exactly what you want.

Publishers expect you to turn up to your launch, book signing events and writers’ festivals. If you self-publish, you are going to have to do that anyway. But you can control your marketing through social media, public presentations and other channels without waiting for the permission of a traditional publisher.

However, if you choose to self-publish, the only person you inconvenience is yourself. You set your own deadlines, you decide when you want to finish the book, you choose the book print and launch date.

Publishing date Publishers have tight schedule around when books are published. Believe it or not, yours is not the only book they are publishing.

If you would like over the processes of getting your book into print, contact Creative Text Solutions to receive advice on the benefits of self-publishing your book.

Text One author I met was thrilled to have his first novel accepted by a traditional publisher. They assigned him one of their in-house editors who worked with him on the text, tidying it up, making the writing more taut, the characters more defined. Guess how long it took them? Five years! Do you have that long before you see your book in print? I expect not. All you would need to do before self-publishing is to employ a professional editor who would take perhaps merely one month to give your book a thorough overhaul.

Apart from the royalties, guess what? If your book doesn’t sell well in the first three months, they take it off the bookshelves and sell it to a discount distributor who will sell it at dirt-cheap prices to get rid of it.

The publisher has to schedule printing, marketing to bookshops and libraries, a book launch and publicity for your book, so any delay in receiving the final product will seriously mess up their timetable. Worse yet, they may not consider publishing you again. However, when you self-publish, you have complete control over when you publish, launch and market your book.

Susan Pierotti

Marketing Many authors think that with traditional publishing, they will receive royalties, they will be famous and their books will sell better.

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

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FIXED V'S VARIABLE

MORTGAGE BROKERING By Reece Droscher

As a mortgage broker one of the most common questions I receive from clients is whether they should fix the interest rate on their Home Loan. Because rates are at historic lows borrowers are looking to take advantage of this by locking in a rate for a period of time, usually between 1 and 5 years. Lenders are currently offering fixed rates that are lower than variable rates to encourage customers to lock in their Home Loan. In these uncertain times this gives the lender some certainty that the loan will remain with them at least for the fixed term. There are advantages and disadvantages to locking in your interest rate which would determine if fixing your rate is the best option for you. Advantages 1. Security When you fix a rate on your Home Loan you are guaranteed that the rate will not change for the period you have fixed for. This means your repayments will also remain unchanged which is helpful for household budgets. 2. Potential Money Saver If you are able to fix your rate at the right time you will save money on interest, potentially thousands of dollars. For example, if you were to fix a rate today you could lock in for as low as 2.09% for two years with some lenders. These same lenders have variable rates at 2.69%, and if those variable rates do not reduce below 2.09% over that two year period the benefits of fixing at the lower rate would be substantial.

3. Some Flexibility Most lenders will allow borrowers to make additional repayments when they have a fixed rate loan without incurring a penalty. It is most common for any extra repayments to be capped at a maximum $10,000 per year. Some lenders also offer the ability to have an offset account linked to the fixed rate loan to help reduce interest costs further, although these are generally only partial offsets usually 40%. For example if you had a $1,000 balance in an offset account only $400 of that balance would be offsetting your loan. Disadvantages 1. Penalties may be payable for early repayment If you become dissatisfied with your lender, decide to sell your home or you simply want to take advantage of better deals elsewhere, when you are locked in to a fixed rate you could be charged a substantial interest penalty to break the contract. A complex formula is used to determine what the loss to the lender would be if the fixed rate contract is broken which is outlined in any Home Loan Contract. This penalty could offset any benefit you received by locking in originally. 2. Most flexible features are unavailable Flexible features that are standard on most variable rate loans are either not an option, or offered with reduced benefits on a fixed rate loan. Offset is typically not available, or only offered as partial offset reducing the effect it has on interest saving, and redraw is also not available on fixed rate loans.

3. Potential to lose on the interest rate bet Fixing a rate is effectively betting that the fixed rate will be lower than the variable rate for the time you choose to lock in for. In a volatile interest rate environment,where variable interest rates are dropping, if you have a fixed loan your rate will not reduce. The inflexibility of the fixed rate which is great in stable environments can be a curse at other times. What if I can’t decide which is the best option? If you can’t decide which option is the best one for you it is possible to hedge your bets. Lenders also offer a split loan option which means you can have a portion of your loan at a fixed rate and the balance on a variable rate. To work out which option would be the most suitable to meet your circumstances, it would be a great idea to speak with a mortgage broker who can guide you through the products available. At SHL Finance we are open for business and available to speak with you at any time. We are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save clients thousands of dollars. We would love the opportunity to help you too. Please call Reece Droscher on 0478021757 to discuss your options.

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

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Garage door golden nuggets for commercial businesses GARAGE DOORS By Chantal Djuric

COVID-19 changed the world of business, not only financially but how things operate. Most business owners at this time are putting their efforts into making sure their business remains viable. Marketing, supply and delivery and customer satisfaction are all major components of a successful enterprise but focusing solely on these can cause neglect in areas that don’t seem so important. However, productive time management will ensure that the small stuff is dealt with as well as larger concerns. If you are a business owner who owns or leases commercial premises, why not use this time to check on the maintenance of the building? This is a good time to get that window repaired, that dripping tap fixed, the inside repainted. And don’t forget the main safeguard to your commercial property – your garage door. Frequent servicing – a good habit Garage doors are mechanically operated; therefore, like cars and other machinery, they needed regular servicing. Regular can mean once a year. However, like cars, other vehicles, photocopy machines and so on, garage doors benefit from more frequent servicing attention. Did you know that it is actually more cost-effective to get your garage door serviced every three months? Even though your commercial or industrial

premises may be vacant, your garage door will still be collecting dust and could be affected by the change in the weather.

are responsible for doing repairs and maintenance, the Act will always override this – it is actually up to the landlord to maintain his or her premises.

Now that business may be back to normal, orders are flooding in, deliveries are flying out the door and your garage door is experiencing a real workout. If you didn’t maintained your door during COVID-19 lockdown, it could let you down just when you need it to work all the time, every time.

Your landlord is required to maintain certain parts of the property in the same condition as when the lease or rental agreement was entered into. Is your garage door one of these ‘certain parts’? Is it part of the outside or inside fixtures? Check the original lease or rental agreement to see if your garage door is specifically covered.

Booking a garage door service is easier than ever. There will no inconvenience to employees working onsite or to the day-to-day operations of your business if you book a garage door service for your business premises, and unlike other tradies, you may find that garage door technicians are as available than usual. A garage door service every three months may sound like overkill but it is the best way to maintain the life of the garage door of your commercial or industrial facility. Now is the time to get into the habit of booking a three-month service so your business premises will be ready to operate efficiently when life returns to the new normal. Check your lease agreement If you lease or rent your business workplace, one other thing that you should do is to check your lease agreement. Under section 52 of the Retail Leases Act 2003 (https://www.legislation.vic. gov.au/), repairs and maintenance are the responsibility of the landlord. If your lease states that you as the leaseholder

Of course, as a tenant, you are responsible for any misuse, so frequent servicing and checking your premises will reduce the likelihood of preventable damage to the garage door of your commercial or industrial business space. It’s also a good idea to take photos and check the state of the garage door before you move into new commercial or industrial spaces. These will be a safeguard when you wish to move out or if there is any dispute. For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

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

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It's That 'Audit Your Business Signages' Time of Year

Before

SIGNAGES By Glenn Martin

We see signage every single day - it's an essential part of life and let’s face it, you can’t afford for your business to go unnoticed. There is a lot more to designing both indoor and outdoor signage that meets the eye. Most people do not realise that there are many questions and factors that should be taken into consideration before and during the design process to ensure their signage has the most impact. Give your current signage a review and ask yourself these 4 questions. “Does my signage weathered or dull?”

look

It’s all well and good to be accessible to customers who already know where you are, but are you making the most of the ‘traffic’ that passes you by each and every day? You can bring attention to your business with directional signage, customised flags and A-Frames, illuminated and digital signs or even strategically placed branded vehicles or trailers in the street. Make sure your storefront signage is not only appealing – but also clearly communicates what your business does for those who might not already know you. “If I walked into this building for the first time, could I navigate effectively?” Take a moment to assess your space as if entering your business for the very first time. By approaching the space as if it’s brand new you’ll be able to get a feel for what your customers see. How is your wayfinding signage? Could a customer easily navigate to the items they need? Can they see where they need to go to pay, from all common vantage points?

After Ready For An Consultation?

Expert

Signage

At Signarama Mitcham we have a host of business signage options to suit every budget. From building signage to illuminated indoor and outdoor signs, wall and vehicle graphics, A-Frames and flags, to floor and window signage, we have everything you need to get your business the attention it deserves. 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 and ensure you get current promotions by following us on Instagram @Signarama_Mitcham.

dated,

Often, after business owners put up signs, they immediately become part of the ‘background noise’ of their space, so they don’t notice when things start to look dated. This is particularly true of outdoor signage exposed to the elements. Run a critical eye over your current business signage. How does everything look? Could your signage do with an update? Does your business stand out from those around you? “Does this signage reflect personality of my brand?”

the

If you commissioned signage for your business when you first started out, it’s likely your budget was smaller, or that you didn’t yet have a clear vision of your brand. Upon inspection, you might find that your brand’s style has changed, or that you can more accurately communicate to your intended audience now that you know a little bit more about your business. “Is my business visible from the street?”

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Drips, Plungers, Pods, Machine Service: Different Ways To Make Coffee COMMERCIAL COFFEE MACHINE By Ivana Smith

Melbournians are famous for their coffee culture. We are fussy about when we drink it, how often and what type. The variety of ways to make a coffee brewing are endless – macchiato, long black, short flat white, cappuccino… Gone are the days when to make a coffee at home, you put a teaspoon or two into the cup and added hot water. Even though instant coffee has lost its popularity, people still want to make a coffee easily and quickly, especially for some folk if it’s the first drink of the day. There are several devices available for domestic or office use that can deliver that perfect aroma and flavour. Drip Coffee connoisseurs swear by drip coffee, also called slow brewing or filter coffee. It is an affordable method that takes a bit of time and practice, but the results are amazingly delicious when followed correctly. First of all, rinse a filter with some boiling water to remove the filter’s flavour and put on top of the jug the coffee will stand in. Measure fresh water, bring it to the boil and let it rest for about 30 seconds. Measure about 2 tablespoons of coffee per cup and add to the filter. You will get the best results with pre-ground coffee that has the consistency of sand or table sugar. Either use a coffee that is suitable for drip coffee machines or grind your own fresh coffee beans. Now, pour a bit of the boiled water over the ground coffee, using a circular motion to completely immerse the coffee in the water. Leave the wet ground coffee mixture for about 30 seconds while the coffee absorbs the water and releases flavour. This process is called ‘letting the coffee bloom’. Slowly pour the rest of the water over the filter, again using a circular motion and starting about half an inch from the edge. When the coffee is immersed, pour straight down. For 3 to 4 minutes, let the water drip through the coffee and filter. Remove the filter and enjoy the aroma as you pour the coffee into your cup.

Plungers Another cost-efficient way to brew coffee is with a plunger. It has a built-in filter and is ideal for when you brew one or two cups. Use a medium ground coffee in a plunger because finely ground coffee will pass through the filter, resulting in muddy, gritty coffee. Pull out the lid with the filter attached and put to one side. Put a heaped tablespoon per cup of ground coffee into the plunger jug. Add water, which has been off the boil for about 30 seconds, over the ground coffee and stir gently. Insert the filter lid just above the water level. After about four minutes, carefully press the filter down. Leve the filter down as you pour a rich, aromatic brew into your cup. Remember to wash and dry the plunger thoroughly every time you use it to prevent coffee grounds from clogging the filter. Pods Pod machines have become very popular devises for ease of use and for the quality of the coffee you can make. There are so many different flavours to choose from and the capsules are compact to store. Some brands even supply pods that are recyclable, making this an even more attractive option. The pods you buy will need to be compatible with your machine and for the best results, always use fresh water.

After you have switched on your machine and waited for it to warm up, rinse the machine by putting a cup at the bottom and pressing the water button; do this at the end as well. Insert the capsule of your choice, close the slide and select the size and type of coffee you want. Machine service Where many people meet in one place, there is another option that could be more viable than any of the above. Many businesses have had a coffee machine installed in their office, car dealership, sports club or age care facility, for example. A coffee machine that is serviced and supplied weekly with quality coffee, hot chocolate, milk and sugar has proved to be a saving in time (not cleaning or filling the machine) and money. 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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Personal Insurance Claims – You Will Need To Be Licensed to Provide this Service. FINANCIAL PLANNING By Warren Strybosch

New laws are being introduced which will require anyone providing Personal Insurance Claims Handling services to be licensed. For licenced advisors and authorised representatives, whose who do more than simply provide ‘general advice’, will be exempt from having to obtain the additional license given they already are licensed to provide advice. The Government have released a regulation that will provide an exemption for financial advisers from the need to vary their AFSL in order to provide claims handling. This regulation provides an exemption for individually licensed advisers and authorised representatives. It appears to meet the needs of the small business financial adviser population. Whilst the regulation does not specifically refer to staff members of financial advice practices playing a role in claims handling, we were pleased to see that this was specifically referred to in the explanatory statement. Now, it is important to understand, that not all advisors and authorised representatives are licensed to provide personal advice. As such, not all advisors listed on the ASIC Professional Register will be able to provide claims handling advice. It is always wise to check the ASIC Professional Registry

(https://connectonline.asic.gov. au/RegistrySearch/faces/landing/ ProfessionalRegisters.jspx?_adf.ctrlstate=kvcjih6zf_4) to firstly find out if they are a registered advisor or authorised representative. Next, follow the link ASIC provides to the MoneySmart website to see what areas the advisor/authorised rep can provide advice in. In short, if anyone is selling products to you and/or providing advice and they don’t have the specific ‘areas’ listed to provide such advice, then report them directly to ASIC. We see a lot of ‘general advice’ practitioners still selling personal insurances for which they are not licensed to do so. Please click here to see the regulation and click here to see the explanatory statement.

This information is current as at September 2018. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, 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@findinsurance.com.au www.findinsurance.com.au

to see the explanatory statement. In short, if someone offers to help you with your personal insurance claim, make sure they are licensed to do so, otherwise they may fall short of the law. We are not sure what this means for lawyers who do a lot of work in this area. It might mean that lawyers will not be able to provide a service in this area. MAY 2021 | FIND CASEY

FIND CASEY | MAY 2021

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How Living In A Busy Cluttered Environment Is Bad For Your Brain

Redeveloped brickworks site in Knoxfield

A part of Maroondah with a native reserve

NATURE & CONSERVATION By Liz Sanzaro

How can we leave a healthy living environment for the next generation? We have Government that, by design, is wanting to grow Australia’s population, whilst stopping the urban sprawl. They believe this is best done by using existing infrastructure, like roads, services, gas, water, electricity, hospitals, schools, public parks and eventually causing us all to live on a smaller footprint and all squish up a bit. Quite clearly there is demand for unit style housing, as many are sold off the plan, and none remain empty after completion. The price of housing too has recently been driven up by demand outstripping stock, so we clearly have a problem. The outer east has long been regarded as clean green and not overly densely populated. We have desired a lifestyle that reveres trees, gardens, wildlife, birdlife and often views across the hills of the mixture of local and exotic species of trees, which makes Autumn a spectacular time of year to enjoy the rainbow of colour in our mature trees, the sunny days, and cool evenings. We need to preserve these components in our living environment, not just purely for aesthetic reasons, but also because it enhances our lives and nurtures our wellbeing. Children grow up with a healthy respect for the environment, when shown by example how to appreciate pollinating insects, bugs, frogs, birds, possums and other native species. As children learn about other life forms, they develop a sincere appreciation for the connectivity of all life forms on Earth, and are therefore more likely to help prevent species extinction, something of significant importance to all of us. Schools are doing a great job in encompassing Sustainability into curriculum. There is also research being done that show that city life hurts our brain. The

A visually clutered city with signs, signals sounds and movement all distract our brains, from feeling calm.

reason such seemingly trivial mental tasks like walking around in a busy urban city leaves us depleted is that it exploits one of the crucial weak spots of the brain. An urban environment is so overstuffed with stimuli that we need to constantly redirect our attention so that we aren’t distracted by irrelevant things, like a flashing neon sign or the mobile phone conversation of a nearby passenger on the bus. This sort of controlled perception we are telling the mind what to pay attention to — takes energy and effort. The mind is like a powerful supercomputer, but the act of paying attention consumes much of its processing power. Natural settings, in contrast, don’t require the same amount of cognitive effort. This idea is known as attention restoration theory, it was first developed by Stephen Kaplan, a psychologist at the University of Michigan. While it’s long been known that human attention is a scarce resource — focusing in the morning makes it harder to focus in the afternoon — Kaplan hypothesized that immersion in nature might have a restorative effect. The research found evidence to support this theory, in that Hospital patients improve more quickly when they have a view of a natural setting. Public housing residents do better all round when they have access to grassy courtyards, with trees and a place to sit. Most of us know how refreshed we feel after a walk in Sherbrooke forest for example. So, what can we do to maintain what is most precious to us, as we struggle to accept higher density- living? If a development is planned next door to you, get involved. Go to Council, sight

A walking train in the Dandenong ranges

the plans, make sure there is room for sufficient mature trees on the site. Ensure that the site coverage is not all paving, or that the development doesn’t have a huge footprint preventing any garden on the site. If there are to be four units 2 by 2, recommend a central courtyard to incorporate a sizable tree or two. Accept the fact that two storey or more, housing should have a smaller footprint, and allow for greater garden space – NOT more units, which remove our trees and greenery.

Units, by design remove trees/nature

New style “green” high rise housing

Finally, don’t sit back and accept that our precious and special environment will be destroyed, because with smart planning and efforts by Council to achieve this, we can do both. The Council is actually quite keen to retain our clean green image, as it is the one most commonly articulated feature mentioned in any resident survey, and they like us, are determined to keep it that way. Finally, if you are fit, healthy and keen to get out, consider joining a friends-group – for your local piece of native vegetation. You can find out more; just Google Maroondah Council and friends- groups. https://www.maroondah.vic.gov.au/ Development/Environmental-Sustainability/ Sustainability-engagement-and-partnerships/ Natural-environment-community-groups

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MAY 2021 | FIND CASEY

US Pressure to Stop Fossil Fuel Subsidies

By Daniel McCulloch and Rebecca Gredley (Australian Associated Press)

Scott Morrison faces increased pressure to stop subsidising the fossil fuel industry as he promises $540 million to reduce emissions ahead of a climate summit. The virtual summit to be held later this week is organised by US President Joe Biden and convenes the world’s biggest polluters in a bid to ramp up global efforts on climate change. The prime minister has announced $263 million for carbon capture and storage, and another $275.5 million to set up regional hydrogen hubs. Mr Morrison expects the projects to create more than 2500 jobs and reduce emissions. He insists the twin technologies will be crucial if Australia plans to achieve net zero emissions by 2050. “We want to make clean energy more affordable and reliable while looking for ways our investments can get more people into work,” he said on Wednesday. “We cannot pretend the world is not changing. If we do, we run the risk of stranding jobs in this country, especially in regional areas.”

The strategy forms part of the government’s plan to cut carbon emissions and comes ahead of a global Leaders Climate Summit, hosted by Mr Biden on Thursday to coincide with Earth Day.

US energy policy expert Alden Meyer says that includes Australia.

Australia’s peak oil and gas industry body said the investment in new hydrogen and carbon capture and storage projects would be a massive boost for the sector.

“We are in a big hole with climate change and yet we are paying people to produce and burn more of the things we say we don’t want. It makes no sense at all.”

But the left-leaning Australia Institute said the announcement was disappointing, arguing the government was using the guise of climate action to support fossil fuel companies. Energy Minister Angus Taylor says carbon capture and storage – where emissions are stored deep underground – will allow industries to continue on while reducing emissions. He has no plans to phase out coal. “Coal will play a big role in our energy mix for many years to come, it’s an important source of our energy right now and will continue to be,” he told 2GB radio. The US is moving to phase out subsidies for fossil fuels and is using its power to urge other countries to do the same.

“The old saying goes when you’re in a hole the first thing is to stop digging,” he told an online forum.

Mr Meyer says the US has taken a wholeof-government approach to climate change, which Mr Biden described as an existential threat in his campaign. “Australia is going to be hearing about it in every meeting,” Mr Meyer said. “This is going to be unrelenting pressure on every front where Australia has to deal with the United States.” Mr Biden is expected to pledge to halve the country’s carbon emissions by 2030 from 2005 levels. The United Kingdom will also announce ambitious carbon reduction targets that include shipping and aviation emissions.

MAY 2021 | FIND CASEY

FIND CASEY | MAY 2021

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'Your Library' has missed you! The Reconnect Festival is about bringing our community back together. Through engaging talks, practical workshops, and exciting new initiatives, we will explore the themes of community, literacy, time & space, and sustainability, to reconnect you with your library, with your Council, and with each other.

View Program

Festival within a Festival The Writing the Rainbow Festival — celebrating LGBTIQA+ writers and readers — is back in 2021. This year’s festival-within-a-festival features an exciting line-up of presenters! Book Now

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Artistic impressions Local artists at Your Library Enjoy viewing the work of local artists at Your Library throughout the month of May. My Gender Equal Future Poster Competition Ferntree Gully Library, 5-31 May The Art of Noel Maxwell Bayswater Library, 1-31 May The Art of Margaret McLoughlin Healesville Library, 1-31 May Photographic History of Boronia Boronia Library, 7-21 May Photo Voice Group Photography Yarra Junction Library, 17-21 May

Swap, swap, swap! Seeds, toys, books and clothes Meet, entreat, swap and share with like-minded enthusiasts at these free events. View Events MAY 2021 | FIND CASEY

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

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

eligibility criteria.Since the legislation has been enacted, further amendments will be made to the laws

Royal Assent (14-Oct-2020)

to allow businesses a choice in using full expensing or not. In certain situations, it may be beneficial to

Date of effect (6-Oct-2020)

spread out tax deductions over multiple years. The ATO has released a form for early balancers to lodge their full expensing claims for the 2020-21 income year.

Loss Carry-back Available for Companies For three 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 business 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

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

and the balance of the franking account. An ATO form is now available for companies who are early

Royal Assent (14-Oct-2020)

balancers under a substituted accounting period.

Date of effect (1-Jul-2021)

New Guidance for Allocation of Professional Firm’s Profits New guidance has been released to assist a professional firm determine whether the allocation of their profits is appropriate with respect to alienation of income. In this draft guidance, the ATO has stated that compliance resources will not be allocated to firms that: * pass through 2 ‘gateways’relating to genuine partnership arrangements, and *are low risk in terms of a specified risk assessment framework. Arrangements outside the low risk rating will generally be considered to be at risk of giving rise to an inappropriate tax outcome. Professional firms will be required to self-assess their risk profile, with

Announcement (2-Mar-2021) Consultation (26-Mar-2020) Released

an understanding that any compliance review will start with contemporaneous documentation that substantiates the partnership agreement.

Contractors Reminded by ATO to Declare All Income Small businesses in taxable payments reporting system industries have been reminded by the ATO of their data matching processes in place. The ATO media release singles out businesses in the following industries: •

building and construction

•

courier services

•

cleaning services

•

road freight transport

•

information technology, computer design and related services, and

•

security and surveillance providers and investigation services.

The data matching is not only confined to reporting of income for income tax purposes. The ATO has explained they are also identifying discrepancies related to GST and invalid ABNs.

Announcement (30-Mar-2021) Consultation (6-Apr-2021)

AX UPDATES 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

Announcement (6-Oct-2020)

remove financial impediments when a granny flat arrangement is legally created. A formal arrangement

Consultation (29-Apr-2021)

would generally trigger CGT event D1, which often leads to informal arrangements. As family is usually

Introduced

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

Passed Royal Assent Date of effect

MAY 2021 | FIND CASEY

MAY 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

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Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Casey each week and we will update your Listing in the online community paper for FREE.

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findcasey.com.au MAY 2021 | FIND CASEY

REAL ESTATE AGENT

www.findcasey.com.au

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

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

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MAY 2021

PUBLIC NOTICE

Council will adopt the Long-Term Community Vision 2031, Council Plan 2021-25, Annual Action Plan 2021-22, Budget 2021/22 and Strategic Resource Plan 2021-25 including Financial Plan 2021-31 and Capital Works Program 2021-22, and the Revenue and Rating Plan 2021 - 2025at the Special Council Meeting to be held on Tuesday 29 June 2021, commencing at 4.00 pm, subject to the right of any person to make a submission as set out in this notice.

22, and the Draft Revenue and Rating Plan 2021 - 2025 must be made to Council within 14 days from the start of the exhibition period. The period for receipts of submissions will close at 5.00 pm on Wednesday 2 June 2021.

Copies of the draft documents will be available from 19 May 2021 for inspection online via the Casey Conversations website at www.caseyconversations. com.au

Chief Executive Officer,

Written submissions for any proposal contained in the Draft Long-Term Community Vision 2031, Draft Council Plan 2021-25, Draft Annual Action Plan 2021-22, Draft Budget 2021/22 and Draft Strategic Resource Plan 2021-25 including Draft Financial Plan 2021-31 and Draft Capital Works Program 2021-

Submissions should be made via the online submission form available on Casey Conversations, emailed to caseycc@casey.vic.gov.au or submitted by mail to:

PO Box 1000, Narre Warren, 3805 Any person who prepares a submission may also choose to speak to their submission in front of Council. Submitters may choose to be represented by a person acting on their behalf. [MT1] [KA2] Submissions on the draft documents will be heard at the Council Meeting on Tuesday 8 June 2021 commencing at 4.00 pm.

The name and suburb of all submitters will be included in the agenda and minutes of the 8 June 2021 Council Meeting. Adoption of the Budget and Strategic Resource Plan will be considered during the Council Meeting on Tuesday 29 June 2021 commencing at 4.00pm. Council will give public notice of its decision. Glenn Patterson, Chief Executive Officer

MAY 2021

Local Parks Program Gives Big Boost To Casey Facilities

More residents will be able to enjoy one of the City of Casey’s most popular attractions, Bayview Park, following a funding announcement by the State Government on Friday. Construction of an accessible path at Bayview Park (also known as the 1,001 steps), will commence in the middle of this year, ensuring more community members of all abilities can access and enjoy this outstanding facility. Since opening in 2019, Bayview Park has become an exercise hot spot for locals and visitors to the area, who come to enjoy the breathtaking views. The $950,000 project is being supported by the Victorian Government with $300,000 in funding through its Local Parks Program.

City of Casey Chair of Administrators Noelene Duff PSM said that the addition of the accessible path at Bayview Park will help to further develop the reserve, while also meeting Council’s expectation that all parts of Casey are accessible for all. “As set out in our Council Plan and other formal strategies, including our Open Space Strategy, our vision is for a city that is well connected, as well as sustainable and well equipped to manage growth,” Ms Duff said. “The creation of this accessible path supports this vision and further cements Bayview Park as a premier destination in Casey. “Through the provision of an accessible path, the site will also be well equipped to withstand increased visitation.”

New COVID-19 vaccination clinics in Casey

A future stage of works will include expansion of the existing car park and additional tree planting, which are subject to future funding opportunities. The Casey Safety Village has also received $70,000 through the Local Parks Program, a figure that will be matched by Council and used to transform the space into a road safety themed playground, which is expected to be complete in early 2022. The revitalisation of this facility will allow it to be freely accessed by everyone, all year round. Ms Duff welcomed the funding to transform the Casey Safety Village and said it will ensure this fantastic facility is still offering maximum community benefit.

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

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RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHERE WE WORK

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

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

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

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

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How much will you need?

RETIREMENT By Bernard Kelly

Actually, you won’t need too much at all in retirement – if you don’t have mortgage, and you’re not renting. The Australian pension is based on the assumption that, in your retirement, you’ll own your own home. This historical assumption – unchanged from the time when the pension became available - is that you totally own your home outright, and that you don’t have a mortgage to pay off, and that you’re not renting. CORPORATE EXECUTIVES One of the big millstones for corporate executives is that they often have a slightly larger family, and when they’re in their fifties, with teenagers, they decide to move to a larger house. One of the big millstones for corporate executives is that they often have a slightly larger family, and when they’re in their fifties, with teenagers, they decide to move to a larger house. This typically means a larger mortgage, which they then can’t extinguish by the time they retire. Consequently they then

use a chunk of their super to eliminate it – and so they enter into retirement, continuing with a grand lifestyle, but they’re now in “reduced circumstances”. This is actually quite common, but it’s generally hidden. NEVER MOVE In earlier times, when you bought a house when you married, you typically you stayed in that house forever, and you gradually paid off the mortgage. In earlier times, when you bought a house when you married, you typically you stayed in that house forever, and you gradually paid off the mortgage. However, now that we can readily accept a job interstate or overseas, we typically take the equity from under the floorboards and use that as a deposit for a dwelling in that new location. And we repeat that cycle every few years – with dire consequences for our retirement nest egg. MORTGAGES IN RETIREMENT Statistics from the 2016 census show that the proportion of homeowners who still have a mortgage when they retirement was 36 per cent, up from 23 per cent a decade earlier.

And in August 2019, the Australian Housing and Urban Research Institute (AHURI) found that since the mid-1990s, the proportion of Aussies carrying a mortgage into retirement had reached 45%. However, most of us have some superannuation, and a small mortgage as approach retirement. But if you still have a mortgage when you retire, a simple strategy is just to downsize – perhaps to a regional city. As long as you’re not too far from a major hospital, you should be OK, even living solely on the pension. Then as your expenses reduce, you’ll find that you can adapt to eventually living just off the pension.

What retirement issues do you have? Email me and I’ll try to assist.

Bernard Kelly 0414 778 518

Bernard Kelly is the author of “Towards Successful Aging”. bernardkellygeelong@gmail.com MAY 2021 | FIND CASEY

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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.

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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.

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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

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PROFESSIONAL SERVICES • Garage Doors ---------------------- 58 • 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

• • •

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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

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INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 61 • 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

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SPORTS

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NATIONAL BOWLS CENTRE – EXPRESSIONS OF INTEREST BY AIDAN DAVIS The establishment of a National Bowls Centre (NBC) will become a major priority for Bowls Australia over the coming years, the organisation’s Board and Executive have declared in announcing an Expression of Interest (EOI) for potential venues. The national body has developed a comprehensive NBC Strategy, in consultation with external sports consultants, that will guide the future direction and process for the creation of the NBC, which aims to be much broader in scope than a traditional Centre of Excellence model. Rather than focus solely on High Performance athlete support, the NBC will be a headquarters for HP and events staff, an environment to support daily performance of national and state/territory-level bowlers, a hub for bowls coach learning and development, a venue for competitions, corporate functions and schools/community programs, a centre for bowls research, and the home for the Hall of Fame and Bowls Museum, amongst other initiatives (identified on page 9 of the Strategy). Bowls Australia CEO Neil Dalrymple said the NBC was an important initiative for the sport and called on clubs who meet the criteria and are interested in being a potential venue to submit an EOI. “The creation of a National Bowls Centre is an extremely exciting venture which will not only cater for our elite bowlers but also provide numerous other benefits including improved player pathways, talent identification, coach and official development, team building (Bowls and non-bowls), competitions and will act as a hub for other local, state, national and international Bowls and sporting organisations to enhance their performance,” CEO Neil Dalrymple outlined in the strategy. “This is a major piece of development with wide ranging benefits for the sport, so it’s critically important that we identify the most appropriate site for the construction of the facility. “We’ve developed a public form to canvass Expressions of Interest from potential bowls clubs, and I encourage any club that has a willingness to become the home of the NBC to review the Strategy, submit their expression or reach out for further discussion.” The NBC EOI will close on May 31, 2021, after which, Bowls Australia’s Advisory Group will provide oversight and shortlisting of candidate venues, followed by further discussions and more detailed assessments of potential sites. Enquiries for further information or discussion should be directed to Bowls Australia’s CEO Neil Dalrymple at ndalrymple@ bowls.com.au. • National Bowls Centre Strategy • National Bowls Centre – Expressions of Interest (closes May 31, 2021)

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