Find Geelong 2022 - March Edition by Find

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About the Find Geelong By Warren Strybosch

The Find Geelong is a community paper that aims to support all things Geelong. 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 Geelong 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/findgeelong) so you keep up to date with what we are doing. We value your support, The Find Geelong Team.

Geelong The

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ALL THINGS GEELONG

The City of Geelong is one of Victoria’s largest regional capital cities. Geelong had a population of approximately 230,000 as at the 2019 Report which includes 16,000 businesses. Geelong’s location is in strong growth corridor, making it an ideal location for businesses to explore options outside of the capital city.

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

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

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

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

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

Regional markets remain strong

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

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

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

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

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

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

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MARCH 2022 | FIND GEELONG

Find Geelong Column by Deputy Mayor Trent Sullivan Greater Geelong has a lot of things going for it. We have great food and wine, cultural and sporting experiences, world-class beaches, the Barwon River and an enviable lifestyle. The Bellarine recently took out the 25th spot and Geelong the 69th in Leading Places: The 100 Most Loved Destinations Around the World for 2021. To be recognised in this way despite the challenges of a global pandemic goes to show that our region is one to tick off your bucket list. And our live music scene has no doubt contributed to these rankings. We have a history of producing quality musicians and groups – think Divinyls frontwoman Chrissy Amphlett, rock band Goanna, Magic Dirt’s Adalita Srsen and Mark Wilson from Jet. And we have a big range of vibrant indoor and outdoor venues to choose from, like the Potato Shed, Pistol Pete’s, Piano Bar and the newly redeveloped Palais Geelong. I’m excited to announce that there’s a whole lot more to look forward to at these venues, with council’s Surround Sounds music festival set to kick off from 7 April to 8 May across Geelong and the Bellarine. The month-long festival will feature Paul Kelly, The Rubens, Human Nature, Kasey Chambers and Busby Marou, Children Collide, the Geelong Symphony Orchestra and more. I’m talking rock, indie, pop, classical, country, jazz and everything in between. We’ll even have Geelong Music Bus Tours, hosted by musician Adalita and Mick Thomas from Weddings, Parties, Anything. This festival will give music lovers something to look forward to, while providing certainty for the industry. It’ll attract music fans from across the state and hopefully Australia, in turn supporting our hospitality, tourism and accommodation businesses. Surround Sounds is a win-win for our region and just another reason why Greater Geelong is the place to be. Don’t miss out on tickets, head to geelongaustralia.com.au/surroundsounds for more info.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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

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

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

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It’s that Time of the Month With International Women’s Day on Tuesday 8th March, now is a good time to talk about periods. Having a positive mindset about your cycle can help reduce some of the negative emotions around it. Know that this can be a time to deal with emotions gathered over the last month and a chance to give yourself time for nurture and rest. Whilst every woman’s cycle has it’s differences, a normal cycle is 28 days (give or take 7 days), last for 4-7 days (give or take 2 days), and loss should be 30ml-80ml (although this can be hard to measure). If your cycle is not within these parameters, or you experience the following, you should see your doctor: • •

Cramping that lasts more than a few days, is a stabbing pain, or pain with sex Large, dark clots

Pain Pain can be reduced with regular exercise and improved diet in the month prior to your cycle. Increasing vegetables, fruit, and protein whilst decreasing sugar and processed white grains can make a big difference. Try to eat a wide variety of vegetables not just the same few, and eat protein foods such as unprocessed meat, dairy, eggs, nuts, seeds, and legumes.

Ginger is an anti-inflammatory herb that also increases circulation to the pelvic organs and is used for period pain. A 2009 study found ginger to be as effective as ibuprofen in reducing period pain.1 Ginger can be consumed in stir fries, curries, or as a tea. You can boil fresh grated ginger in water, then strain and add lemon or honey to flavour. If you use a tea bag, leave the bag in the mug to make it nice and strong. Consume ginger regularly throughout the day and for a few days for best results.

Herbal medicine offers natural options for regulating hormones, reducing pain, and

Cravings Whilst your period may seem like the perfect excuse to sit down with a gourmet tub or chocolate ice-cream, dark chocolate is more likely to satisfy. Ideally eat 85% cocoa (or more), but you can build up to this if you’re not used to it. If you crave salt, swap chips (crisps) for popcorn or healthy alternatives such as kale chips. Curb sugar cravings by going for something sour or bitter which can surprisingly switch off the craving. Try the juice of ½ a lemon or 1 teaspoon of apple cider vinegar in water, or a small handful of bitter lettuce. This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner. https://www.liebertpub.com/doi/abs/10.1089/acm.2008.0311

regulating the stress response. A naturopath can make a custom mix of herbs to best treat your unique symptoms.

Katheryn Messenger BHSC ( NATUROPATH ) Taking appointments online and in person.

wholenaturopathy.com.au

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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MARCH 2022 | FIND GEELONG

Businesses Fudging the Books are Placed on Notice By Warren Strybosch

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

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

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

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

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

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

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

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

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

The ATO conducts a routine audit of a bookstore owned by Book Worms Pty Ltd (Book Worms). Bob is the director of this company and runs the bookstore. During the audit, a hidden function within the system allows sales transactions to be deleted or manipulated without leaving a record of the original transaction. As a reasonable person would conclude that one of the primary functions of this system is to interfere with sales records, it is an ESST. Bob is surprised to discover that his system has an ESST and explains that he had no idea that it was there. He had bought the bookstore from Keanu in March 2017, who had not mentioned that there was anything unusual about the business or the equipment. He explains that he had not used the ESST and contacts his POS system supplier immediately to ensure ESST capabilities are removed. At the conclusion of the audit, no evidence was found that the ESST had been used to alter any of Book Worms’ business records. The audit did not result in any amendments to Book Worms’ income tax returns or BASs. Book Worms has a good compliance history. Notwithstanding the above, Book Worms is liable to an administrative penalty of 30 units for possessing an ESST. It does not matter that Book Worms came into possession of the ESST before the legislation was enacted. MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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New Rules for Social Media Influencers (Australian Associated Press)

Australian influencers will soon be banned from giving their personal opinion when promoting health products on social media in exchange for cash or gifts. Under changes to the Therapeutic Goods Administration’s advertising code, from July 1 influencers will have to abide by strict rules when posting about health products and services, including medicines, vitamins and skincare. They will be banned from giving personal comments or testimonials on health products that haven’t been tested or approved, whether they have been paid or given the product for free. The rules will apply to therapeutic use, which includes cosmetic claims such as “removes toxins” and “fades age spots”, as well as “relieves pain”, “aids sugar metabolism” and “reduces inflammation in the body”. Influencers can still endorse products but must disclose that it is advertisement, for example by including the words “paid partnership” or #Ad. Murdoch University social media researcher Catherine Archer said the TGA ruling was “long overdue” but there was already pushback from influencers. “Unfortunately for the influencers, health and related products/services are where many of them make a lot of their money, so there will be pushback,” she said.

“Already we have seen some say that they should be paid for things like sunscreen as it is a ‘community service’. “Having researched this space for 10 years, and recently conducting interviews with influencers who have been working in that space for the same length of time, the need for more enforceable guidelines is obvious.” Menzies Health Institute Queensland principal research fellow Lauren Ball said

the TGA’s decision revealed the importance of credible, evidence-based information when it comes to health. “We have large workforces of health professionals, like dietitians and GPs, who are certified to practise safely in this space,” she said. “Influencers sharing unsubstantiated claims in the form of click bait are dangerous, and prevents Australian’s from seeking professional help.”

Gone Up in Smoke - $42m Worth of illicit Tobacco Ceased and Destroyed By Warren Strybosch

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

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

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

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

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

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

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Significant Material Costs Lead To Dwelling Build Approvals Collapsing In 2022

By Warren Strybosch

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

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

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

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

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

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

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

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Australia to Provide $105m in Ukraine Aid Australia will send a $105 million package of weapons along with humanitarian assistance to Ukraine following the Russian invasion. Prime Minister Scott Morrison said $70 million of defensive support would be provided to Ukraine, which would include missiles and ammunition. A further $35 million would be spent on humanitarian assistance such as shelter, food and medical care. The decision came following a meeting of federal cabinet’s national security committee on Tuesday. Mr Morrison said the majority of the defensive support to Ukraine would be lethal aid and distributed through a partnership with NATO. However, he would not provide specifics on what weapons, or the amount of weapons, that would be sent to Ukraine due to national security concerns. “I don’t plan to give the Russian government a heads up about what is coming their way, but I can assure them it is coming your way,” he told reporters in Canberra. “We will be answering the call from (Ukrainian) President Zelenskyy. He said, ‘Don’t give me a ride, give me ammunition’, and that is exactly what the Australian government has agreed to do.” The prime minister said the $35 million in humanitarian support, which would be provided to international organisations, would be the “opening contribution” from Australia. Mr Morrison said it was expected there would be further requests made over time, and welcomed efforts from other countries to impose sanctions on Russia and its government following the Ukrainian invasion. He said while the sanctions were working and having a serious impact on Russian progress, it was expected to lead to more aggression. “It is also likely to lead to an even more violent response from Russia,” he said. “Anyone who thinks the Russian government is just going to sit there, I think, doesn’t understand the intent and the outrageous objective of President Putin.”

Andrew Brown (Australian Associated Press)

All outstanding visa applications for Ukrainians looking to come to Australia have been processed, the prime minister said. About 100 applications are being received per day, which are being processed as the top priority due to the unfolding situation. Mr Morrison said options were being prepared to support broader humanitarian efforts. “We want to ensure we can provide the temporary refuge.” Opposition Leader Anthony Albanese said earlier on Tuesday there was bipartisan support for action taken against Russian aggression. “It’s important that there be a single direction going forward, as there has been up to this point, we would support any government action,” he told reporters in Melbourne. The Labor leader said the opposition strongly supported the sanctions Australia had carried out against Russia,

alongside international partners such as the United States, United Kingdom and European Union. Opposition home affairs spokeswoman Kristina Keneally said Labor supported the actions of increased military support from Australia to Ukraine. “This is a fast-moving situation, one provoked by Russia and upends the international order that has prevailed since the end of World War II,” she told Sky News. Defence Minister Peter Dutton told reporters in Canberra that Russian forces would become more intense as they move towards the capital of Kyiv. “Many people will die unless President Putin changes the action of the course he is on at the moment,” he said. The Sydney Opera House will be lit up in the colours of the Ukrainian flag on Tuesday night. It follows Parliament House in Canberra being lit up in the colours of the flag on Monday night in solidarity with Ukraine. MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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

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

because music can put people in a better frame of mind.

Can music help you study? Maybe Maureen Dettre (Australian Associated Press)

It’s known to soothe the soul but can music also help people study? Macquarie University music psychologist Kirk Olsen says music can stimulate the imagination – especially while undertaking creative tasks. But he wanted to know if it also helps with concentration – particularly if music can drown out domestic distractions as more people study and work from home. His research found that listening to music while studying or trying to focus on work can be helpful for some people, in certain situations. “If you are studying in a distracting environment such as a busy coffee shop, listening to quiet music through

headphones can mask those sources of distraction and replace it with a predictable and enjoyable source of stimulation,” he said. Music can also help to calm students who are finding the material difficult or stressful, he says. The ‘Mozart effect’ is a well-known phenomenon that emerged from a 1993 study that showed that people who listened to Mozart performed better on a mental task than those who did it in silence. “Follow-up research has largely discounted the hypothesis that listening to classical music puts the brain in a sophisticated operating mode,” Dr Olsen said. However, it’s likely that listening to music may be linked with higher performance

So, listening to any music you enjoy can improve your mood and help you work more effectively. “Music can help to make a tedious task more enjoyable,and this can help motivate students to continue studying for longer periods of time,” Dr Olsen said. “Music can even stimulate the imagination, so can act as a source of inspiration for tasks that involve creative thought.” However, fast and loud music or music with lyrics have a greater chance of pulling the listener’s focus off task. And musicians always find music distracting because they are so used to listening attentively to it. One study found that extroverted people can perform well on a task while listening to complex or fast-paced music, whereas introverted people performed better with slower-paced music or no music. How to use music to help you study: •

Choose music with no lyrics and minimal amounts of abrupt and noticeable changes.

•

Keep the volume low so music is in the background.

•

Choose music that suits your personality and what you’re working on.

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MARCH 2022 | FIND GEELONG

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

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Family Trusts in the ATO Firing Line ACCOUNTANT By Warren Strybosch

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

Determination

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

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

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

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

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

WARREN STRYBOSCH

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

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

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

Find Group

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

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BOOKKEEPER

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The ATO then forwards the information on to each employee’s MyGov account each time a filing is made.

By Mary-Clare Switz

Single Touch Payroll (STP) came into being on 1 July 2018 for employers with 20 or more employees and the following July for employers with less than 20. Concessions have been available to some businesses, industries and employer types to allow time for them to participate in the STP regime … most of these ended on 1 July 2021. Employers are required to file an STP report via their payroll software on the day they pay payroll (or the day before). Payroll software such as Xero, KeyPay, Quickbooks Online and MYOB have been STP compliant since 2018.

What information is sent to the ATO when an STP filing is made & what happens to the data? Each time an STP filing is made, your payroll software sends: • • •

employees’ Year to Date gross salaries and wages employees’ PAYG withholding amount employees’ Superannuation liability information

Not sure if you are STP filing? If you use a BAS Agent/Bookkeeper or a Tax Agent to process your payroll check with them that they are managing your STP filings. If you, as an employer, manage your own payroll, you should be filing already. STP Phase 2 started 1 January 2022 … but some payroll services have had a deferment (more on that below). It does not change the payments you need to report through STP but it does change how those amounts need to be reported. It granulizes the information. For instance, some employees will need their STP tax category defined such as actors and shearers. Allowances have also become more structured.

QBO - Single Touch Payroll (STP) Phase 2 Hub KeyPay – Single Touch Payroll Phase 2 – How to Prepare Xero has a deferral until 31 December 2022 … so there is nothing to do just yet. MYOB has a deferral until 1 January 2023 … again, nothing to do just yet.

Need help in reviewing your payroll ready for STP Phase 2? Contact your BAS Agent/Bookkeeper or your Tax Agent for assistance.

What does this mean for employers right now? That depends on what software you are using: Quickbooks Online & KeyPay had a deferral that ended 28 February 2022 so employers should have reviewed their settings already. KeyPay (which is QBO’s

Mary-Clare Switz Bookkeeper BISCUIT BUSINESS SERVICES 0448 887286mc@biscuitbooks.com.au MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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“I can’t help but admire his candour, it definitely propels us forward” she overheard.

RESILIENCE COACH By Sally Higoe

We’ve all got one. Maybe yours doesn’t look quite like this... but I’m sure you can relate... “He’s committed, works hard... but he’s just so annoying & some days it drives me crazy! He’s a bit conceited too, and it’s affecting our progress. Argh.” I heard these words from a client last week. She’s a leader of a team of 6 and had hit a fork in the road... what to do with this guy? Decision change.

time

something

had

No longer could she ‘deal’ with his attitude, it must surely be affecting the team... But deciding what to do was not coming easily. So she made the best decision she could at the time – she sat on it. For two weeks. ... And then she heard a colleague across the office, talking about this same said man...

Seriously?! ... Time to re-think this. Time to get things in perspective.

Is the reason why the results aren’t there because of this person? ...Or are you making your lack of results mean something else?

All we have is perception

How do you speak to your team? (How do you speak to yourself?!)

The way you see your team is only how YOU see your team. Its perception.

Because every frequency...

It’s the way that it is for you. Not for the world.

And the station that it tunes to, is YOUR version of the current reality.

It’s how you perceive the current experience.

It’s how YOU are experiencing your world...

Have you thought about how others perceive? And here’s another thing about perception (because I thought I hadn’t said the word enough just yet! ;-)) ...It comes alive through our language. We show it through what we say (and how we act). We build meanings, we make connections – in how we perceive things – and share it through our language. Does he really “drive you crazy”? Is he “annoying”? ...or are there some parts of his behaviour that you just don’t resonate with?

word

carries

...Could it be possible that there is another way besides yours? (Perhaps even several ways... hundreds, thousands, millions of ways that a situation is perceived, different to that of your own?) ANY relationship between a situation, and the meaning you give it, is one you’ve created in your mind. You’re doing this to try make sense of the situation... we all do it... ...and it’s based on our own previous life experiences and exposures (AND every one of us is different!) But no matter how it’s formed and why it happens, it’s a firm fact. We are meaning making machines. Sometimes, these meanings may work well for you.

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MARCH 2022 | FIND GEELONG

Other times they may not. The way to check-in is to get some perspective (remember your parents saying that to you as you were growing up?... it’s a thing!) “HOW”? You ask. The place to start is within. Yes I know, I always say that :-) 1.

Ask yourself - Is my language bringing me the results that I want?

Is what you’re saying (to self or others), working for you?

(Which means you use your language differently - it now reflects your new perception) Get it? OK, back to doing a bit of work and creating a different reality... One main way to do this is; 2.

Spend time visualising the negative - yep, you heard me right.

Think about how your current situation could be worse than what it already is... and then compare it to where you are now. Notice how much you now appreciate where you currently are... (you’re now shifting your perception; you’re shifting your experience). Pay attention to how you now feel and the gratitude you feel, compared to how hard it could be if it was even worse! (you’re now in a nice train of thought... and can move forward) Stimulate progress with these questions;

If yes, rock on. In that particular case, you have great perception. If no, it’s time to do a little work... And in order to change your language around the perception, you must first create a different reality (because remember, the meaning we give any situation is based on our own experiences aka reality)...

Let me explain.

...If your language is created through the meaning you give your experience (your situation, your reality) and if you can change the way you feel in any given situation... ...then you can shift your experience... which means you shift your perspective.

What opportunities can you now tap into here? How can you work with the newly identified behaviour? (yours or someone else’s) How can you use this information and move forward in unity?

By putting ‘it’ in perspective, changing how you feel about a certain situation and removing the emotion, you are much more likely to make an effective decision for you and your team. It all begins with you... pop this technique into your leadership toolkit and know that next time you need, you can trust yourself to gain perspective... ... then you get to guide the team. Do you have issues with trust in the workplace? (Maybe lack of self-trust? Perhaps lack of trust in leadership or team ability... or maybe its lack of trust in your systems – or no systems at all!) Wherever the trust issue lies, I’d love to help you turn it around! And if this is a challenge that you’ve been or are trying to overcome, email me on sally@team-resilience.com.au and we’ll book a time to chat about some solutions that may work for you.

With a new perception, we see light, we see opportunity and we have the desire to create.

Sally Higoe Team/Leadership Coach Team Resilience Method 0490388017 sally@team-resilience.com.au

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one.... SERVICES

Leadership coaching that connects your team and drives results

LEADERSHIP COACHING & DEVELOPMENT

TEAM COACHING & DEVELOPMENT BEHAVIOURAL PROFILING BUSINESS GAP ANALYSIS

CONTACT SALLY HIGOE Resilience Coach Team Resilience Method 0490 388 017

IN-HOUSE & ONLINE TRAINING sally@team-resilience.com.au WORKSHOPS/WEBINARS

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MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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How to Make the Most of Fringe Benefits Before End of FBT Year SALARY PACKAGING SERVICES By Dan Nicholls

If you’re smart enough to utilise the benefits of salary packaging, then you’d know that the 31st of March is an important date on the financial calendar. This is when the FBT year officially ends and is the cut-off day for that year’s FBT claims. Unlike normal deductions you would make at tax time, fringe benefits are items you can claim through your salary packaging. After this date, your salary packaging cap restarts and a new cap limit is allocated to you. If your salary packaging is set up as regular payments to your nominated supplier or you have a regular reimbursement, all you need to do is check with your provider that you are maximising your entitlements. If you’re using a salary packaging card or you claim a reimbursement of Meal and Entertainment expenses, we have more than a few ideas on how to make the most of your fringe benefits in the nick of time. Stake your claims early To say March is a mad scramble for salary packaging providers is an understatement. That’s because we’re busy trying to process as many claims as possible so they process before the clock ticks over at midnight on the 31st of March. If you try to claim expenses on the day of the 31st, they may not go through the system in time to go towards reaching a zero balance. As a general rule, try to submit your reimbursement claims by mid-March so they definitely contribute to your current annual balance. Remember that unused and unclaimed funds reduce your benefit in the following year.

The No Rollover Myth A rollover occurs when a benefit balance is not spent or claimed and rolls over from March 31 to April 1. Contrary to popular belief, you won’t lose the money that you had sitting in your unclaimed balance. However, it is still wise to spend it if you can before March 31. When the FBT year changes, the ‘rolled over’ money is reported as spent in the new FBT year instead of the previous one. This means the ‘rolled over’ amount is treated as part of your new cap limit, so, depending on your industry, your cap entitlement for the new year is reduced. The result is that you may have less tax benefit in the new FBT year. Not sure what your balance is before March 31? You can look it up in your salary packaging card phone app or call your salary packaging provider for an update.

What can you claim? It depends on your industry, but as a reminder the claimable expenses can include: • • • • • • • • • •

Meals & Entertainment Private health insurance HECS/HELP repayments Mortgage repayments School fees Gym memberships Utility bills Life insurance Holiday accommodation Childcare costs

Give your expenses card a workout Do you have unused funds on your meals and entertainment or salary packaging card and the end of March is around the corner? In the spirit of the return to ‘normal’ after the last couple of years, we encourage you not to be shy. Visit our great regional communities and/or order the steak at dinner and fill up on the expensive petrol at the pump. When you do use your salary packaging card to try and push towards a zero balance, remember that some vendors, banks and financial institutions may take several days to process transactions. This is yet another reason you shouldn’t wait until the last minute to spend any remaining card balances. Make that dinner reservation, right now. Will you make the FBT cut-off? All salary packaging providers have different cut-off dates for when you can make your final expenses claims so check with your provider. If you happen to be with Victoria’s most trusted provider, The Salary Packaging People, see our table below for cut-off dates. We allow as much time as possible to be super helpful.

The FBT spending spree You have this excess balance, but what can you spend it on before March 31? While you have set up regular salary packaging deductions with your payroll, the deducted amount might arrive too close to the deadline and you have no time to spend it. So, be aware of this and discuss with your provider ways to make additional deductions earlier and relieve the pressure. An end of FBT spree is your chance to review your salary packaging setup and possibly claim other payments that you have made using your after-tax pay, if they are eligible and you don’t exceed the relevant cap. You simply need to check with your provider and complete your claim form and proof of payment by mid to late March. You need to ensure that you haven’t claimed on these items previously.

We’ll answer your questions. If you need help with your FBT claims, please call to talk to a real person at The Salary Packaging People who can answer your questions. If you’re an employer and not currently happy with your salary packaging services, now is a good time to switch to a truly personable provider. Contact us online or call 03 5229 4200.

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MARCH 2022 | FIND GEELONG

Post-Separation Property Misconceptions LAWYERS By John Van Beveren

Separating from a partner can involve a series of complex and overwhelming emotions and working out how to divide your money and property after a relationship breakdown can be stressful. How property will be split in a settlement relates to the initial and ongoing contributions in a relationship as well as future needs and opportunities to work. There are two common misconceptions about post-separation property matters – 1. 2.

The relationship asset pool is calculated at the time of separation; and Any property acquired after separation does not form part of the relationship asset pool.

Calculation of asset pool Regardless of when you and your partner separated, when the property pool is finally being settled in a family law proceeding, a court will require you to disclose your full and frank financial position at that time and not at the time of separation. When the court is identifying the value of the current property held by the parties, both financial and non-financial contributions will be considered from the time the relationship commenced to the current date. It is important to remember that contributions lacking tangible recognition or are not susceptible to a dollar calculation, does not render those contributions any less important than a financial contribution. For example, a mother taking care of the children is a contribution to the relationship and is no less important than a father paying a household utility bill. It is important to understand that the asset pool is not calculated at the time of separation because this means if there are any delays in the property settlement it can impact on the value of your relationship asset pool - sometimes to a significant degree. Finalising postseparation property matters should be done as soon as possible to ensure anything you acquire after the separation is protected, which leads us into our next common misconception. Property acquired after separation There are consequences of not finalising your post-separation property matters

as soon as possible. For example, if you purchase a new house independently, this house has now become a part of your relationship asset pool, despite your ex having nothing to do with the purchase.

You don’t have to wait until you are divorced. If you get a divorce and haven’t worked out your property arrangements yet, you must apply to court for property orders within 12 months of your divorce becoming final.

Maybe you have a new partner, and you bought this house with them? Unfortunately, this is irrelevant, when finalising your property settlement your ex-partner is still entitled to claim whatever your interest in that house is. The court will have the discretion to decide what happens to any post-separation property.

If you were in a de facto relationship, you must apply within two years of the date of separation.

An example of property acquired postseparation occurred in the case of Calvin & McTier (2017). In this case, the parties had been separated for 4 years but had not finalised their property settlement when the husband acquired a substantial inheritance. At trial, the judge decided that the inheritance received by the husband should be included in the relationship asset pool and therefore, divided between the parties and the wife ended up receiving 35% by way of property settlement. The husband appealed this decision and argued that there was an insufficient connection between the inheritance and the parties’ relationship, but this was ultimately rejected by the court. How can I protect myself? Your personal circumstances may not require protection but if you have any concerns, you should seek legal advice. However, there are situations where protection may be more urgent. For example, if you are the person in the relationship who: a b c d

Has a significantly higher income; or You have a significant amount of superannuation; or There is a chance you will be coming into money; or You are planning or wanting to acquire post-separation property

Then you should seek legal advice to ensure you are protected/prepared for the future and have a pathway to ensure maximum protection in your separation.

If you do not apply within these time frames, you will need permission from the court to apply for property orders. This is not always granted. Also, it is often the case in Family Law matters that by the time you seek legal advice, you have already started obtaining interest in properties that will form part of the asset pool. For example, you bought a new house post separation but prior to the property settlement and now you seek legal advice because your ex-partner is trying to claim your new house as part of the relationship asset pool. In this example, it is too late for a lawyer to protect your new house because it has already been purchased. Had you sought legal advice prior to the purchase, your lawyer could have advised you of the consequences. An important take away from this is that if you are making any big decisions, whether it be personal or financial, you should seek legal advice to ensure that the decision does not have any unwanted consequences and you are protected. Do you have a family law issue? Are you facing a relationship breakdown and seeking guidance how the property split works? At Van Beveren Lawyers, we provide all the Family Law services you need in one place. We apply forwardthinking ideas and solutions to the most challenging family law issues you face and approach each case with compassion and commitment Our lawyers are committed to supporting you to feel empowered on your path to the future to gain financial and emotional independence.

Timing It is important to try to sort out your property settlement as soon as possible after separation as time limits in the court do apply.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Preparing For The Perfect Paint Job

of warm water until it is dissolved completely. Dip the sponge mop into the solution and wipe down the walls. Rinse the surface with a clean sponge and let it dry before starting to paint. For small rooms, you could try Selley’s Sugar Soap Wipes. Clean with the smooth side and scrub with the other, rougher side to remove marks and stains. For more stubborn stains, try Mr Clean Eraser Pad Block. Cut to the size you need and test on an inconspicuous area. Scrub off those hard-to-lift pen scribbles or oils stains and rinse with water – easy! Painting the room First, set up a safe workstation. Access to and from the door should be free and uncluttered. Avoid situations where you have to reach over or across a ladder or painting equipment. While you are painting, cover your paint trays with aluminium foil, or a plastic or garbage bag. Put a paper plate of baking foil to catch the drips under each paint can. Have a damp cloth within reach to be able to immediately wipe up drips before they dry.

PAINTING & DECORATING By Steve Dahllof

Interior painting relies for success on the quality of its preparation. Preparing a room for painting is time-consuming and laborious, but if you follow these tips, you will have beautiful, smooth walls every time. Preparing the room Shift all possible furniture out of the room and cover what’s left with canvas drop cloths. Canvas absorbs paint and prevents it leaking onto the floor, a common problem if you use old cotton sheets or plastic sheets. You can also cover odd-shaped furniture with cling wrap.

To protect skirting boards and other surfaces you don’t want painted, apply masking or painter’s tape. Using a putty knife, press down firmly on the tape, especially where the unpainted and tobe-painted surfaces meet. This reduces paint bleed. Check for any indentations or cracks in the surface. Use a putty knife and a minute amount of putty to fill in. Wipe off the excess and sand back gently. Washing the walls Whether DIY or done by professionals, washing the walls is mandatory. If you’ve hired professionals, washing walls is not usually part of their service and they will charge extra for doing it. Hire a professional cleaner or do it yourself.

Dust all surfaces to be painted whether you believe they are clean or not. Minute fibres or dust particles will interfere with the painting process. You can use a damp cloth but the best tool for dusting is a long-handled microfibre duster, preferably with an extension handle to reach up to ceiling level. It is a good idea to wear a face mask while doing this, even if you don’t have allergies or your walls have been dusted recently.

Using a sponge mop, clean the walls (and ceilings if you are painting those) with a solution of sugar soap, also known as TSP (trisodium phosphate). It is essential to apply sugar soap in kitchens, especially near greasy areas like stoves, as grease can prevent paint adhering to the walls. Walls previously painted with a satin or gloss paint also need sugar soap so that the new coat of paint will not crack due to the slippery sheen of the gloss. Note that sugar soap will darken some wooden surfaces such as mahogany.

To ger rid of cobwebs and persuade spiders and all creepy crawlies to leave, use a long-handled brush.

To apply, put on rubber gloves and goggles and mix sugar soap into a bucket

Even when closing a paint tin carefully, there is the likelihood of paint splattering across the room. When you first open the can, punch a series of holes (using hammer and nails or a nail punch) in the rim’s channel where the paint collects so it will drain into the can and not all over your newly painted project. Stretch a rubber band or tie a piece of string vertically over the paint can. Use it to scrape the excess paint off your brush. This reduces the amount of paint collecting in the channel of the rim. Preparing your room thoroughly before painting will be worth it when you see the magic result at the end! For more painting advice, contact Dahllof Painting Services at sjd67@bigpond.net.au. We will be happy to answer all your inquiries.

Steve Dahllof PAINTING AND DECORATING Dahllof Painting services 0407 365 372 www.stevedahllofpaintingservices.com.au

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MARCH 2022 | FIND GEELONG

Here are five tips:

FINANCE BROKER By Allan Houliston

The Reserve Bank has said it will increase the cash rate at some point and with some economists predicting that this could commence as early as June this year and by the end of 2024, the cash rate will have increased by 1.15% to 1.25%. CBA economists believe that with the cash rate at 1.25 per cent, it would take the cost of mortgage repayments to about 15 per cent of household disposable income. “This is the level we assess to be ‘normal,’ based on the experience of the past two decades,” the bank’s economists say. CBA thinks the RBA will hold rates at 1.25 per cent until 2024, but futures markets are betting the central bank would eventually push rates towards a much higher 2 per cent by then. Governor Philip Lowe has repeatedly tried to calm speculation, stressing that he does not expect to raise interest rates until 2024, though lately he’s conceded 2023 is also plausible. When that happens, banks will almost certainly raise their mortgage rates in line with these increases. So, what can you do to prepare?

•

Calculate by how much your repayments would increase if your home loan rose by anywhere from 0.25 percentage points to 1.50 percentage points in the years ahead.

•

Contact your lender today to ask for a rate cut – if you threaten to switch to another lender, there’s a good chance your lender will agree to your request.

•

Get ahead on your mortgage now, so less of your loan needs to be repaid if and when those rate rises occur.

•

Think about refinancing from a variable-rate loan to a fixed-rate loan, whilst the fixed are loans are loan interest rates are still extremely competitive.

•

Increase the amount that you save, Give me a call if you want to discuss how so you’re covered if your monthly a rate rise might affect your individual repayments increase. situation.

Finance with a different accent... Services Residential Investment Loans Commercial Loans

Contact 0405 140 003 Office address: 5/329 Pakington Street, Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

ALLAN HOULISTON Finance Broker

The name Aisling is derived from the Celtic word for ‘dream’ or ‘vision’. Our company’s vision is that all our clients receive advice tailored to their individual goals and objectives, which will enable them to achieve their financial dreams.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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How can a CSR program help your business grow? BUSINESS COACH By Deb Fribbins

Would you like to see greater benefits both personally and professionally in your business? Developing a strong Corporate Social Responsibility program for your business can have lasting benefits. There are many benefits, both long and short term for you and your business. 1. 2. 3. 4. 5.

Increased sales and profit Heightened reputation in the marketplace Increased brand recognition Access to capital more readily Market credibility

The personal benefits are 1. A sense of satisfaction that you are supporting your community 2. Increased staff engagement 3. Increased productivity 4. Improved lifestyle Corporate Social Responsibility (CSR) is a voluntary business model which many businesses have adopted, from the large corporate sector to SME’s alike. The extent of your CSR will depend on business type and your personal preferences. The idea is to engage your business to be socially accountable to your shareholders, customers and indeed the wider community. Setting clear CSR strategies, demonstrates you will conduct your business in a manner which is sensitive to social, economic, and environmental aspects. The United Nations Sustainable Development Goals (SDGs) were born at the UN Conference on Sustainable Development in Rio de Janeiro in 2012. The objective was to produce a set of universal goals that meet the urgent environmental, political, social and economic challenges facing our world. For more information on the United Nations Development Program, read https://www.undp.org/content/undp/ en/home/sustainable -developmentgoals/background.html

Several key business leaders form around the globe got together and decided they would do what they could while governments were still talking about it. They bought their proposal to the

UN with 17 Global Goals they had developed to address the concerns for now and into the future. They are slowly being chipped away at through the work of the UN with governments and major corporations through the various agreements in different countries around the world. While they work at a higher level, what we do can also impact on the world at our level? The 17 Goals are.

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MARCH 2022 | FIND GEELONG

Many of these we can support in a small way, according to our personal preferences and beliefs reflected in our personal lives and the type of business we own.

Economic

restaurant help feed those in need.

Look at all the possibilities in your business and support those that work for you.

Putting these practices into place in your business to show your shareholders, stakeholders, and clientele that you really do care about the future. Everything we do impacts in some small way. We may only be able to work on two or three of these, but we can influence the outcome by simply updating some of our habits at work and at home.

Here are just a few examples of practices we can all support easily. You may already have some or all of these in your business model, and or a suite of other opportunities available to us today. Environmental 1. 2. 3. 4. 5.

4. 5.

Social 1.

2. 3. 4.

Do not offer carry bags encourage clients to bring their own. Sell more products that are environmentally friendly Use Sensor lighting or Solar as applicable to cut down usage and cost. Recycle as many materials as possible Use water saving measures

Plan for full sell through of products with a shelf life to reduce waste Form allegiances with businesses to partner with, to utilise the waste Improve procedures to grow your business Buy locally to support those around you Purchase only fair-trade goods if not available locally

Be an equal opportunity employer; employ staff for what they can do without discrimination: gender, ability, race, religion. Support food charities with excess, to support those in need. Support charities that support the wider public where possible Volunteer in the community with goods or your service. Pe present, be seen. Create a great working environment for your staff

Marketing of your CSR strategies has shown statistically around the world to have increased customer numbers, resulting in increased sales, profit, basket size and brand awareness. The community at large is more mindful of the environment and looking for the right alternatives. They in turn will be more loyal to those with a good Corporate Social Responsible program. If every business provided just 1% of their net profit back into achieving these goals imagine the impact that would have on each of the three areas, Social, Environmental and Economic growth in our community. We can all do our bit to support these measures.

And so much more. Tailor your CSR to suit your business. If you sell kids clothes support charities that specifically help kids such as education around the world. If you are a greengrocer look at environmental options. If you are a

DEVELOPING EXCELLENCE IN BUSINESS SERVICES

CONTACT

Mentoring

0400 524 451

Coaching

deb@debconsulting.com.au

Master Class

www.developingexcellenceinbusiness.com.au

In-House Training

DISCOVER MORE ABOUT THE 5D PROCESS

Workshops Online Training Strategic Planning

DEB FRIBBINS Business Coach

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Welcome to

Signarama Geelong FEATURED SIGNAGE PRODUCTS

SIGNWRITER By Tim Knott

Signarama, the world’s largest sign franchise, is part of a successful system of business-to-business franchises under United Franchise Group. Our award-winning network of sign centres is approaching 1,000 locations in 60 countries – truly making us “the way to grow your business.” For 30 years, we have been serving communities with quality products and customer service. Now that we have grown to become the world leader in signage, we still work hard to maintain the localized support and individual attention that made us who we are today.

ILLUMINATED SIGNS

METAL SIGNS

BILLBOARD SIGNS

RECEPTION SIGNS

WINDOW SIGNS

WAYFINDING

LIGHTBOXES

VEHICLE SIGNS

CAFES & RESTAURANTS

MEDICAL

OUTDOOR SIGNS

Our commitment to quality is unmatched in the industry. We know the importance of brand awareness and the affect it has on the bottom line. Signage plays an integral part in the recognition of a brand and therefore quality is imperative. At Signarama, we believe in going the extra mile to produce more than just quick, standard signage. Each and every Signarama sign centre offers fullservice signage options that you simply cannot get anywhere else. Whether one sign or hundreds, temporary banners or permanent monument signs, we are committed to providing an exceptional experience for every customer each and every time. Come and see Tim & Narelle in Shannon Avenue to discuss the best solution for your signage needs.

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MARCH 2022 | FIND GEELONG

Embroidery in the Textile Industry EMBROIDERY SPECIALIST By Kerry Kaspi

Embroidery is the process is turning graphic design into needle and thread art for application to the fabric. These designs can be simple, single color or multi-color intricate pieces of art. If the fabric can be laid flat then it can be embroidered. (Which leads to the question of how are hats embroidered? But, that is the subject of another post). Of all of the methods of fabric embellishment embroidery is generally considered to add sophistication to any work or club apparel. What is the process?

Once digitized this is embroidery machine.

sent

the

Teach the machine what it has to do The embroidery machine is then instructed which design we are working on. The correct threads are loaded onto the machine and the machine taught where to find each colored thread. So for example, if the design includes some red and the red thread is on station 12 then the machine has to be taught that when stitching the red areas use station 12. Stabilize and hoop the garment During the embroidery process, the garment is held in a hoop. This is a 2 piece frame which is sandwiched over the garment to keep the fabric secure during the sewing process.

Test A test sample is stitched out using the selected design, the required thread and on fabric which closely matches the finished article of clothing. Stitch out When we are happy that the digitized design is correct and loaded on the embroidery machine, the garment is correctly hooped and secured, the correct threads have been selected and the machine taught where to find them, then we start the embroidery onto the finished garments. This may be a run of 5, 10 or 100 items. This is when the industrial embroidery machine earns its keep, these machines are designed the work all day every day without missing a beat.

Digitize the image Custom embroidery is primarily an automated process that converts a digital image into data which guides the operation of the embroidery machine. For this to happen, the first step is to digitize the image. This may include lettering, a logo or a visual image. Digitizing converts the image into stitch data which the embroidery machine can understand. It involves tracing your logo with a mouse to select size, length, density, turning stitches, machine trims, color changes and many variables around fabric strength.

Kerry Kaspi Branded Apparel & Marketing Geelong Industrial Monogramming 0412 670 310 Kerry@gim.net.au | www.gim.net.au MARCH 2022 | FIND GEELONG

2022 TA

Temporary full expensing of depreciating assets

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

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

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

Royal Assent

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

Date of effect(6-Oct-2020)

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

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

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

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2022)

run” prior to making any payments.

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

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

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

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

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

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

Royal Assent(14-Oct-2020)

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

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test

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

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

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

Passed(10-Feb-2022)

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2022

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

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

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

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

Passed(10-Feb-2022)

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2018)

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

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

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

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2022)

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

Announcement(8-May-2021)

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

Consultation(12-Jan-2022)

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

Introduced(17-Feb-2022)

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

Passed Royal Assent Date of effect

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

Announced: 30-Jan-2022

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

Updated: 25-Feb-2022

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

MARCH 2022 | FIND GEELONG

Are you NFP with an up-and-coming events? If so, email your event to editor@findgeelong.com.au and we will place it in the paper for FREE.

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Not-For Rotaract

of the

The newest club in Geelong is up and running and rearing to go. The Rotaract club of Djilang (Geelong) which launched in November 2021, has already established connections and developed services to enhance the Greater Community of Geelong. The Rotary Club of Kardinia, Otway Rotaract Club and Study Geelong have significant supported the commencement and development of the Djilang club through rich collaboration and knowledge sharing. Rotaract is a global organisation auspiced by Rotary International that provides opportunities for young adults to enhance their personal development, awareness, and skills to address the physical and social needs of their communities. This occurs through promoting peace and better relations between all people worldwide following a framework of friendship and service. Rotaract is made up of young adults aged between 18-30 years. Our members come from a wide range of diverse back grounds, cultures and experiences. We work together to support ideas that fall into the categories of community and international service, fellowship, and personal development. Members are encouraged to think outside the box to create and participate in social events to expand their knowledge and leadership skills. Our goals that create our outline are:

• • • • • •

Develop professional and leadership skills of our members. Emphasise respect for the rights of others, based on recognition of the worth of each individual. Recognise the dignity and value of all useful occupations as opportunities to serve. Recognise, practice and promote ethical standards as leadership qualities and vocational responsibilities. Develop knowledge and understanding of the needs, problems and opportunities in the local and international community. Provide opportunities for personal and group activities to serve the community and promote international understanding and goodwill to all people.

We are currently meeting twice a month. Firstly, at our regular meeting, which is held the second Tuesday of every month at Virginia Todd Hall, West Geelong and another gathering toward the end of the month for a fellowship/social event. We encourage new or potential members to attended one of our meetings to see what we are all about and meet other likeminded individuals.

r-Profit Month

March 2022 As a club we have already participated in a range of fundraising efforts including Gift Wrapping on behalf of Gateway Support Services, carpark donation collection at the Humans in Geelong Expo, as well as marshalling for the Surf Coast Century. We have also spent many hours planning and developing our annual calendar of events whilst participating in and supporting local Rotary Clubs in their community service efforts. Rotaract has an exciting year planned out for community service events including Clean Up Australia and Lids for Kids collections. Whilst also starting fundraising to support our chosen Rotary International projects. We empower members and young professionals to create positive change in our Geelong community and around the world. Whilst providing unique opportunities that assist members in becoming the business and professional leaders of tomorrow. If you would like to attend a meeting, please contact us via email at djilang@ rotaract.org.au or via our socials via this QR code.

FIND GEELONG | MARCH 2022

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GEELONG Saturday

8:00am

Orchid & Co - 26 Garden Street, Geelong Facebook - ‘The Man Walk - Geelong’

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Looking for Gold Nuggets Another reflection from Justin Coulson’s great little book, ‘What Your Child Needs from You’. I thoroughly recommend going on line and ordering yourself a copy. Coulson compares parenting to a gold digger with the following illustration: A young inexperienced digger arrived at the goldfields intent on finding nuggets but all he uncovered after much gruelling work were rocks. Despondent, he made preparations to leave. An old digger asked where he was going. The young man explained that he was giving up looking for gold since all he could find was rocks. To his amazement the old man gave the young man a glimpse of his bulging pouch full of gold flecks and then to the young man’s further surprise the old man began splitting the young man’s rocks pointing out the shiny little flecks inside. Coulson suggests that as parents we are often like the young man making the mistake of looking for nuggets in our family life rather than seeing the little flecks of gold that are often hidden in the midst of the mundane and difficult times. As I reflected on Coulson’s words I thought about how much of our lives are made up of the mundane and routine events of life. Finding meaning and purpose in those times isn’t easy. Although we don’t like it, dealing with these times produces character and getting through the hard times develops resilience. Judi (my wife) and I with three young children, spent two years living and teaching in a small village in Samoa in the 1990’s. Our first year there was not easy to say the least. I have distinct memories of the tears, sweat, culture shock, conflicting expectations and feelings of frustration during that time. And yet now we recognise that those years were some of the most important and formative in the life of our family. It’s hard to see the flecks of gold in the difficulties or routines of life. But it’s so important to continue to model consistency and kindness during those times. Our children still need to be loved and understood in the midst of a demanding week. At such times we need to ‘hang in there’ and continue to give out for their sake. Coulson states, ‘When we learn patience, compassion, charity, service and sacrifice for our children and do these things willingly, something interesting happens. We see our role as parents, as an opportunity for our own development and our children’s development. Our focus is on being the best we can be for our children. And we become better people as a result. More than this, we do better as well.’ Keep up the good work everyone. All the best. Kindest regards, Rob. LPS Chaplain. Robert.Hunter@education.vic.gov.au

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MARCH 2022 | FIND GEELONG

Look What’s Arrived If you’ve been past Estuary Reserve lately you may have noticed a new addition to the groundworks. FC Leopold are very excited to see the arrival of the first part of the pavilion modular building. Time to get excited for the season ahead! The pavilion is expected to be completed from mid May. The season pre planning is well underway with lots of work happening behind the scenes organising teams, coaches, kits and team entries.

MARCH 2022 | FIND GEELONG

Our Sporting Club Sponsors who submits their information and an interesting stories each month relating to their club/sports.

If you would like to inquire call Warren at 1300 88 38 30 or email the editor@findgeelong.com.au.

LEOPOLD SPORTSMANS CLUB In 1971 a couple of locals, Len Lewis and Kevin Ash had an idea for a bowls club in Leopold. The idea took hold, a committee formed and money raised. A location was needed that would have enough space for two bowling greens and a clubhouse. Finally this was located in Kensington Road, our current location and 5 acres purchased for $8500. In May 1975 the club was officially opened as a family friendly sporting club by Brian Dixon, the then Minister for Youth, Sport and Recreation. You can see the results for yourself on visiting our club. There are so many people to thank over many years for their support, encouragement and voluntary help along with the the original crew that helped established the club. Leopold Sporties, located in Leopold, Victoria, is a club based on sports. We offer Bowls, both social and Pennant, Golf, Racquet Ball and Squash.

BOWLS

GOLF

RACQUET

FC LEOPOLD FC Leopold was established in 2016 by Jared Larkins and Mitchell Vials. The club is based in Leopold, Victoria and played its first competitive games in 2017. In our first season we had over 100 registered players and expect those numbers to grow in 2018 and continue to grow into the future as the club continues to develop. The club aims to provide a positive family friendly enviroment for our members to develop their skills off the field and to also become great people off the field.The club is run solely by volunteers and we are always looking to get members involved in helping the club grow and develop. We are aiming to become a huge part of the Leopold community and look forward to growing the sport of football (soccer) in our beautiful town. FC Leopold is a community club that fields senior mens teams, a senior womens team and multiple miniroos and junior teams in Geelong competitions. FC Leopold are looking for enthusiastic members of the community who would like to contribute to the clubs ethos and family friendly feel - whether that is through being a committee member, volunteer, coach or player. Like the page to keep up to date with the clubs progress as exciting things are happening with lights and a massive COGG funded pavilion project.

MARCH 2022 REALESTATE

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COMING SOON

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FREE RENTAL LISTINGS ADVERTISING

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

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

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I AM Sculpture Arrives in Lara

A sculpture celebrating people who have a lived experience with disability has moved from its temporary home at Eastern Beach to Austin Park in Lara. Each letter in the sculpture weighs around four tonnes and it was moved to Lara using a crane truck. Deputy chair of the Creative Communities and Culture portfolio Councillor Jim Mason and Member for Lara, John Eren MP, joined artist Mark Cuthbertson is celebrating the arrival of the artwork in Lara. The City of Greater Geelong commissioned Mark Cuthbertson with artist-collaborators Robert Croft, Hannah Wilkinson, Christian Den Besten and George Macaronis to develop the public art sculpture. The sculpture was developed based on more than 85 contributions from the local community through a series of artist-led workshops. Drawing reference from powerful political and pop culture statements such as the 1968 Memphis black sanitation workers slogan “I AM a man”, and Helen Reddy’s 1971 anthem “I AM woman”, the work celebrates the empowerment of diversity in our society.

The sculpture stands at more than two metres and is interactive by design, inviting you to be a part of the work. You can position yourself within and take photos (using the hashtag #IAMGeelong) that will form a collective voice celebrating the diversity of our local community.

The sculpture was funded by the Victorian Government through the Community Support Fund and delivered in partnership with VALiD (Victorian Advocacy League for Individuals with Disabilities) and Geelong-based ArtGusto. The sculpture will remain in Lara until later this year.

Cr Anthony Aitken, chair of the Volunteering and Disability portfolio “This work was designed to be relocated around the City of Greater Geelong to allow for a greater connection with our whole community and to increase awareness around the concepts it conveys. It is an important piece of public art that celebrates people who live with a disability and reminds us that everyone’s voice is valued.”

Councillor Jim Mason “So many people across our community contributed their ideas to the development of this work so we’re proud it’s making its way around the municipality. It is a shining example of the wide range of creative talent in our inclusive city, where everyone has a rightful and participatory place.”

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Win for Community as Wildlife Sanctuary Protected

The City of Greater Geelong is celebrating a win on behalf of the Lara community after Fire Services Victoria withdrew its bid to build a new fire station opposite the Serendip Wildlife Sanctuary. The withdrawal of the VCAT appeal, which had been lodged after the committee’s refusal of a permit in June last year, vindicates the position that the emergency services facility was not in keeping with this area of Lara. The Planning Committee, made up of councillors, voted unanimously to refuse the permit. The committee’s decision was about environmental protection, preserving the rural feel of the area, and listening to the views of the community.

Planning Committee Chair, Councillor Kylie Grzybek

Windermere Ward Councillor, Anthony Aitken

“We are fully supportive of our State’s Fire Services and the incredible work they do protecting our community. This decision was always about getting the balance right and we’re so happy to get the right outcome for the Lara community.Serendip Sanctuary is home to hundreds of native animals, including rare and endangered species and we felt it was important to protect this habitat. This news is a real win for the local community and a credit to those who lobbied against the proposal.”

We value and appreciate the services provided by Fire Rescue Victoria and the hard work they do keep our communities safe. However, this was just the wrong spot in terms of the zoning of the area and the impacts on the native habitat. It would cause too much disruption to local wildlife and natural aspects of Serendip, which is a place that is treasured by many people and we have a responsibility to project it. Well done to Fire Services Victoria for recognising the community was clearly against this proposal and withdrawing its appeal to VCAT.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Share your views on public parking at Pakington Street, Geelong West The City of Greater Geelong is seeking feedback from business owners, managers, shoppers and residents about public parking conditions on Pakington Street in Geelong West. Local business owners and managers are invited to attend two workshops on public parking issues and needs and community members can submit their feedback using a map on the Have Your Say page. The feedback will be used to inform the development of a Public Parking Plan for the much-loved commercial strip. The Final Pakington Street and Gordon Avenue Urban Design Framework (UDF), which was partially endorsed in December 2021, includes an action to prepare a Public Parking Plan for Pakington Street North and Heritage Core Precincts. A Public Parking Plan analyses the parking conditions and needs of an area and can provide the basis for a Parking Overlay or other appropriate implementation mechanisms to manage parking in a precinct. The scope of the Parking Plan study includes existing public parking spaces servicing businesses along Pakington Street (including public parking facilities behind Pakington Street businesses). The scope of the Parking Plan study does not include: The provision of public parking spaces in residential areas (this will be addressed in future studies) the provision of private parking facilities additional public parking spaces (this will be addressed in future studies). Feedback closes on Monday 28 March 2022.

“We want to work with Pakington Street business owners and managers and the broader community to understand how we can better manage existing public parking spaces to cater for the needs of businesses, local community and visitors. We’ve fast-tracked the action to develop the public parking plan as this was a key area of interest from residents and businesses during previous 30 weeks of community engagement, particularly the availability of on-street parking in commercial areas.”

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Have Your Say on the Use of Council Land for Social Housing The City of Greater Geelong is seeking public feedback on a proposal to transfer three parcels of Council-owned land worth more than $3.6 million for the purposes of social housing. On Tuesday, Councillors gave the green light to seeking public feedback on the proposed use of the three sites for social housing in Corio, Belmont, and Bell Post Hill.

MARCH 2022 | FIND GEELONG

The City is seeking to understand the views of local residents as well as the wider community about using these three sites to increase the availability of social housing in our community.

to grow to nearly 17,000 households by 2041.

The three sites were identified following an audit of Council-owned land to assess their feasibility for social housing, in response to action from the Social Housing Plan 2020-2041.

116-120 Purnell Road, Corio 5A Dean Street, Belmont 2-7 Rollins Road and 9-14 Rollins Road, Bell Post Hill.

In Greater Geelong there are 3,300 households living in social housing. However, around 10,000 households need social housing, and this is expected

The three sites identified as suitable for social housing development are:

Public feedback is open via our Have Your say page from Monday 28 February until Wednesday 6 April 2022. https://yoursay.geelongaustralia.com. au/socialhousing

Deputy Mayor Trent Sullivan “Having a roof over your head is a basic human right and it will take all levels of government and the development community to come together and make some headway on this pressing issue. I strongly encourage community members to share their experiences and thoughts on how we can get it right for our most vulnerable.”

Councillor Sarah Mansfield “We know that affordability of housing in the region continues to worsen, leading to severe housing stress and homelessness, so this proposal couldn’t come at a better time. These parcels of land are a great opportunity to make a small but meaningful difference for our friends, family, neighbours and fellow community members who need social housing support.”

MARCH 2022 | FIND GEELONG

March 2022

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MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Side Hustle Makers Market Special Guest Food Trucks Time 11AM - 5PM Last Saturday of every month - 27th November - 29th January - 26th February - 26th March - 30th April + SPECIAL CHRISTMAS EDITION 18th December

The now monthly “Side Hussle Market Feat. Food Trucks” will take over “The Bin Chicken - South Geelong”. The space can accommodate 40 stalls selling their unique handmade goods, alongside a line-up of delicious food trucks, as well as entertainment for the kids and live music. Host: The Bin Chicken - South Geelong Address: 46 Little Fyans Street, South Geelong

More about the Venue: The Bin Chicken is set to take over South Geelong. This outdoor space is a quirky lot of land transformed into a fun and inviting space to host events, markets, Food trucks, and even has a resident sailboat boat. This new space is well and truly an outdoor oasis. Inspired by Dixon’s similar past project ‘The Bird Watching Society’ in Prahran, the new outdoor event space intends to host food trucks, coffee vans, unique themed markets and stallholders, car clubs and sports groups, plant sellers, popup stallholders, and fitness groups/ teachers, offering Geelong a unique space to explore all the things we love.

To get involved please message our Facebook page. When Various dates from 27 November 2021 to 30 April 2022 Where The Bin Chicken South Geelong Wadawurrung Country, 46 Little Fyans Street, South Geelong VIC 3220 Cost This is a free event Contact Aaron Dixon Email: aaron.dixon@outlook.com.au Phone: 0466 225 406 Associated organisation: The Bin Chicken - South Geelong Website: http://www.facebook.com/ TheBinChickenSouthGeelong/ Facebook: http://www.facebook.com/ TheBinChickenSouthGeelong/

Tuning In To Kids Tuning in to Kids is a 6-week supportive program for parents of children aged four to 10 years. 2 options available in Term 1, 2022. 1. 2.

Onsite - commencing Thursday 10 February until 17 March Online via Zoom - commencing Tuesday 15 February until 22 March

The program aims to: • • •

help parents teach and support their child/ren to understand and manage their emotions support parents in encouraging children to express emotions appropriately maximise children’s social, behavioural and learning outcomes

Register online now! When Various dates from 10 February 2022 to 22 March 2022, 07:00 PM - 09:00 PM Where Ariston Wadawurrung Country, 245-249 Pakington Street, Newtown VIC 3220 OR Online via Zoom Cost This is a free event Contact Regional Parenting Service Email: rps@geelongcity.vic.gov.au Phone: 03 5272 4741

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Annual Windfire Music Festival Our 12th Annual Windfire Music Festival which will take place from 11 to 20 March 2022. Our opening concert will be presented by Orchestra Geelong and will feature the inaugural concert of the Geelong Youth Orchestra. The Vardos Trio will bring their gypsy flavoured music to Wesley Uniting Church on Saturday and the Excelcis choir will bring a world of song to All Saints Church on Sunday.

The festival will conclude on Sunday with the Melbourne Chamber Choir who will present gems from the French a capella repertoire.

During the week there will be two workshops – one on African Drumming presented by Jacqui Dreessens and the other will be a vocal workshop on the Bellarine peninsula presented by Kym Dillon. There will also be a series of free “Organ + 1” recitals which will feature pipe organ and one other instrument.

When Daily from 11 March 2022 to 20 March 2022

The following weekend begins with a concert by the Geelong Concert Band who will perform a newly commissioned work by Geelong composer, Kym Dillon. Saturday sees the return of the Exaudi Youth Choir who will bring their youthful exuberance to the Wesley Uniting Church.

This festival is supported through funding from the City of Greater Geelong. Please see our website for full details and event program.

Where Wadawurrung Country, Various locations - check our website

Email: music.basilica@bigpond.com

Cost • Adult: $25.00 For all concerts except the opening concert . Tickets $35/$30 for opening concert • Other/More Information: $0.00 Free admission for children and school students

Associated organisation: Music at the Basilica Inc

Belonging to the Barwon: Creating Art that Talks Celebrating Wadawurrung language and land, this event unites children’s research with learning from a Traditional Owner, stencil art-making, and a community installation experience. In an interactive art-making workshop, participants learn about and connect with indigenous flora and fauna of the Barwon River, hearing from a Wadawurrung Traditional Owner as we overlook the Barwon from our venue. This all-ages workshop enables participants to select from a range of stencils of plants and animals, to then produce a stencilled image of a local indigenous plant or animal on timber tile, to display in their front garden. The artworks generated thus transition into a local installation in neighbourhood yards. Using digital technology, the stencil will invite passers-by to enter into a conversation with the Wadawurrung

Contact Jane

people and land, through information about the specimen, including an audio bite of its name in native language. As a conversation of belonging, the past, present and future generations connect through local flora and fauna, driven by

Phone: 0447 238 432

Website: http://www.musicatthebasilica. org.au Facebook: http://www.facebook.com/ MusicattheBasilica

a desire for shared knowledge of and appreciation for the local habitats to which we all belong. Additionally, there is a bringing together of families, neighbours and streets with the simple images providing opportunities for stopping and conversing. Sessions at 9am and 12noon on Saturday 19 and Sunday 20 March. When Daily from 19 March 2022 to 20 March 2022, 09:00 AM - 03:00 PM Where The Geelong College Middle School Wadawurrung Country, 399 Aberdeen St, Newtown VIC 3220

Contact Kris Oliver Email: kris.oliver@tgc.vic.edu.au Phone: 5226 3161 Associated organisation: The Geelong College Website: www.geelongcityofdesign. com.au/gdw-event-tickets/?festival_ page=event&id=68964 Facebook: http://www.facebook.com/ GeelongCollege

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FIND GEELONG | MARCH 2022

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technologies, their works are designed to delight, provide opportunities for discovery and engage the senses. The group has a fondness for all things left of field and for creations that try to convince you, as in the case of Alice, in as many as six impossible things before breakfast.

Micron: Light, Wool, Belong Micron is an art installation that explores the properties of wool through light, vibration and visceral engagement. Micron traverses the atomic world of fibres, their utility in providing unexpected stability in structures, their use in explaining universal phenomena and their pairing with light to reveal visually perplexing perception effects.

Mother and Son She’s back!!

Maggie Beare will attempt to wreak havoc on her son Arthur’s life in the stage adaptation of the ground-breaking ABC TV situation comedy, Mother and Son. Arthur is at his wit’s end and desperate for some time away with his new girlfriend. But who will look after Maggie? Whilst Arthur’s dentist brother Robert and his wife Liz claim they’d love to help, Liz has bigger fish to fry. Vague but vicious and more arsenic than old lace, Maggie would have Arthur tied to her apron strings for life – if she could just remember where she put that apron! Book online now! Or alternatively call The Potato Shed to speak to our friendly staff!

In this installation you will experience wool from a totally new perspective wool and fibres can shed light on the way nature behaves. About the artists Skunk Control are a team of artists, educators and engineers and scientists. Drawing on their background in electronics, optics and alternative

When 20 March 2022 Upcoming dates 20 March 2022, 07:00 PM - 09:00 PM 20 March 2022, 02:00 PM - 04:00 PM Where Potato Shed Wadawurrung Country, 41 Peninsula Drive, Drysdale 3222 Cost • Adult: $40.00 • Concession: $36.00 • Student: $25.00 Contact: Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: http://www.geelongaustralia. com.au/potatoshed Facebook: http://www.facebook.com/ potatosheddrysdale

Alongside their works, they also produce and run hands-on outreach programs that strengthen the link between the community, the creative works they produce and the art and the science that underpins them. When Daily from 18 March 2022 to 05 June 2022 10:00 AM - 03:00 PM Contact National Wool Museum Email: nwminfo@geelongcity.vic.gov.au Phone: 03 5272 4701 Associated organisation: National Wool Museum Website: http://www.nwm.vic.gov.au Facebook: http://www.facebook.com/ NationalWoolMuseumGeelong

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Museum Explorers - Mini Makers Little hands and feet will have a blast in this relaxing and engaging sensory art play session, inspired by the Museum’s collection and exhibitions. Throughout the sessions, babies and pre-schoolers will have the chance to play with paint, glitter, paste, sand, clay, slimy spaghetti, chalk, and much more. Children will be exposed to materials and the environment around them to create art and craft that uses their entire body. Adults and children alike will get messy! Bookings essential Ages 0 - 5 years (carers free, entry to museum exhibitions is included in the ticket). When Various dates from 17 March 2022 to 15 December 2022 10:30 AM - 11:30 AM

Contact National Wool Museum

Associated organisation: National Wool Museum

Email: nwminfo@geelongcity.vic.gov.au

Website: http://www.nwm.vic.gov.au Facebook: http://www.facebook. com/NationalWoolMuseumGeelong

Phone: 03 5272 4701

African Drumming Workshop Tickets $10. Bookings are essential. Book your tickets now When 16 March 2022, 10:30 AM - 12:00 PM Where Pioneer Room (above St. Mary’s Parish Office) Cost • Adult: $10.00 • Child: $0.00

• • As part of the Windfire Music Festival, Jacqui Dreessens will present an African Drumming Workshop on Wednesday 16th March, 10.30 am to 12.00 noon at the Pioneer Room (above St. Mary’s Parish Office - 150 Yarra Street, Geelong). Learn how to sense and feel traditional African rhythms and hold them together as a group ensemble.

The class begins with body percussion, warm up, chanting of drumming rhythms, songs, drumming techniques and progressively builds rhythms and repertoire. Great for rhythmic perception and movement memory retention with poly-rhythmic patterns. It’s the basis of all Blues, Swing, Jazz and Hip Hop rhythms and grooves.

children and school students - free

Concession: $10.00 Senior: $10.00

Contact Jane Email: music.basilica@bigpond.com Phone: 0447 238 432 Associated organisation: Music at the Basilica Inc Website: http://www.musicatthebasilica. org.au Facebook: https://www.facebook.com/ MusicattheBasilica MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Friday 4 March: Breakfast with Sammy J 5.30am-8am Monday 7 March: The Conversation Hour, 11am -12noon Saturday 12 March: Matt Preston- Saturday Mornings, lOam-12 noon Sunday 13 March: Sundays with Lisa Leong - 10am - l2noon Tuesday 15-Wednesday 16 March: Drive with Raf Epstein- 3.30pm - 6.30pm Thursday 24 March: Afternoons with Jacinta Parsons - 12.30pm - 3.30pm Friday 25 March: The Friday Revue l2.30pm - 3.30pm Thursday 31 March: The Conversation Hour- 11am - l 2noon To find out more about the ABC in Geelong as well as updates on Live events visit abc. net.au/geelong When Daily from 01 March 2022 to 31 March 2022

The ABC has announced its Geelong Radio in Residency initiative will launch in March bringing a month-long focus to our city. Popular ABC Radio Melbourne programs and presenters will broadcast live from the studio, including Walkley Awardwinning Mornings presenter Virginia Trioli, The Conversation Hour and The Friday Revue with Jacinta Parsons & Brian Nankervis.

The ABC’s temporary pop-up radio headquarters will be located on the corner of Cunningham St and Western Beach Rd, overlooking Corio Bay. The space has been provided by Deakin University’s School of Creative Arts. ABC’s Geelong Radio in Residency schedule: Tuesday 1 March: Mornings with Virginia Trioli, 8.30 - 11am

Where Wadawurrung Country, Central Geelong Cost This is a free event Contact ABC Melbourne Email: abcradiomelbourne@abc.net.au Phone: 1300 222 774 Associated organisation: ABC Melbourne Website: http://www.abc.net.au/geelong Facebook: http://www.facebook.com/ abcmelbourne

Music in the City - Izzy Khalife and Pepper Willow

We are humbled to host both Izzy and Pepper. Isabella Khalife captivates audiences with sweet sounding vocals and impresses with her multi-instrumental ability. A master melody shaper, she uses her skill to tell emotion-filled stories through her acoustic pop originals with lyrics that are honest and real. Since having recorded and released her first EP back in 2016, she continues to write and fine-tune her sound. She eagerly has her sights set on a single release for Summer of ‘21. Pepper Willow a treasured local songstress, weaving her poetry into heartfelt and moving music. Whether behind a piano, cello or guitar, she is sure to transport you to somewhere magical with her spellbinding renditions and original songwriting. Soft but energized, dark with subtle beauty, her style lends itself to contemplation, reflecting a quiet and curious nature. She leads listeners purposefully but gently into uncharted parts of themselves, slowing down the atmosphere; like a songbird amidst city chaos. When 22 March 2022, 12:00 PM - 02:00 PM

Where Little Malop Central Wadawurrung Country, Little Malop Street, Geelong between Moorabool and Yarra Streets Contact Helen O’Beirne Email: hobeirne@geelongcity.vic.gov.au Phone: 03 5272 4804 Associated organisation: City of Greater Geelong Facebook: http://www.facebook.com/ IsabellaKhalifeMusic

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FIND GEELONG | MARCH 2022

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Offenbach’s Orpheus in the Underworld So, after two years of lockdowns and restrictions, multiple restarts and a few cast changes, Savoy is finally bringing Orpheus to the stage. With Offenbach’s fabulous music, and some of Melbourne’s finest singers, this production sparkles with fun and frivolity. What happens when Orpheus loses Eurydice to Pluto? What has Calliope to say about it? Why are the gods revolting? You’ll have to buy a ticket to find out. When 19 March 2022, 03:00 PM - 05:30 PM Where Portarlington Parks Hall Wadawurrung Country, 87 Newcombe Street, Portarlington VIC 3223 Contact Stee Dixon Phone: 0425 853 071 Email: scottishstee@hotmail.com Associated organisation: Savoy Opera Company Website: https://www.trybooking.com/events/landing/869028

The Head of the Schoolgirls Rowing Regatta is the pinnacle event on the girls rowing calendar! This event attracts over 1,800 competitors from schools throughout Victoria. Schoolgirls represent their school from Year 9 to Year 12 in various events run over three days. For more information or to get involved, go to www.hosg.com.au

Check out the action of this long-standing event: When Daily from 18 March 2022 to 20 March 2022 Where Wadawurrung Country, Barwon River, Geelong Contact Rowing Victoria

Email: info@rowingvictoria.asn.au Phone: 03 9645 0624 Associated organisation: Rowing Victoria Website: http://www.rowingvictoria. asn.au Facebook: https://www.facebook. com/headoftheschoolgirls/

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MARCH 2022 | FIND GEELONG

Candlelight Geelong Enjoy unique classical performances like never before!

music

Surrounded by the gentle glow of candlelight, you’ll listen to musical masterpieces created by the brilliant minds of Vivaldi, Mozart, Hans Zimmer and John Williams and more. Join our musicians for an evening under the stars gently illuminated by candlelight surrounded by the stunning Geelong Botanic Gardens. Candlelight Geelong: Vivaldi’s Four Seasons Location: Geelong Botanic Gardens (Enter from Gate 3) Date: 24-Feb-2022 Time: 7.45pm & 9.30pm Tickets: https://feverup.com/m/107293

Candlelight Geelong: Mozart’s Best Works Location: Geelong Botanic Gardens (Enter from Gate 3) Date: 25-Feb-2022 Time: 7.45pm & 9.30pm Tickets: https://feverup.com/m/109361 Candlelight Geelong: A Tribute to ABBA Location: Geelong Botanic Gardens (Enter from Gate 3) Date: 24-Mar-2022 Time: 7.00pm & 9.00pm Tickets: https://feverup.com/m/110298 Candlelight Candlelight Geelong: Sci-Fi and Fantasy ft. John Williams and Hans Zimmer Location: Geelong Botanic Gardens (Enter from Gate 3) Date: 25-Mar-2022 Time: 7.00pm & 9.00pm Tickets: https://feverup.com/m/107988

When Various dates from 24 February 2022 to 25 March 2022 Where Geelong Botanic Gardens Wadawurrung Country, Corner of Eastern Park Circuit &, Podbury Dr, East Geelong VIC 3219

Contact Candlelight Concerns by Fever Email: melbourne.cm@ candlelightexperience.com Associated organisation: Candlelight Concerns by Fever Website: https://candlelightexperience. com/ Facebook: https://www.facebook.com/ concertsbycandlelight/

MEMORIES, HOPES AND DREAMS

- Geelong Concert Band

with a program that highlights the lyrical and versatile sounds of this unique ensemble in the space. It will include the world premiere of local composer. The Fourth Concert in the Annual Windfire Music Festival will be MEMORIES, HOPES AND DREAMS - GEELONG CONCERT BAND Friday 18th March, 7.30pm at the Basilica of St Mary of the Angels (136 Yarra Street, Geelong). Geelong’s premier concert band will explore the unique acoustics of the Basilica

Kym Dillon’s latest inspiring work, Veni, Creator Spiritus, which explores the importance and necessity of human creative expression inspired by a hymn from the 9th Century.

Where Basilica of St. Mary of the Angels Wadawurrung Country, 136 Yarra Street, Geelong VIC 3220

Contact Jane Email: music.basilica@bigpond.com Phone: 0447 238 432 Associated organisation: Music at the Basilica Inc

Grab your tickets now

Website: www.musicatthebasilica.org.au

When 18 March 2022, 07:30 PM - 09:00 PM

Facebook: http://www.facebook.com/ MusicattheBasilica MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

Geelong Design Week is an annual community celebration of local design excellence and Geelong’s designation as Australia’s only UNESCO Creative City of Design. This year’s program, running from 1727 March 2022, features a range of installations, exhibitions, and workshops as well as walks, talks, and tours that will investigate and illustrate the vital

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role design plays in our everyday life. The theme which has shaped this year’s program is TAUR which means belonging in the language of the local Wadawurrung people, Traditional Owners of Djilang (Geelong).

When Daily from 17 March to 27 March 2022

Belonging is our emotional need to be accepted. It gives us purpose, enhances satisfaction, happiness, health and longevity. Belonging helps create identity, acceptance and inclusion in our community and across society.

Contact Susie Ward

Geelong Design Week will explore how design can respond to our need to belong, how we create places and sustainable environments that are accessible to everyone and how being connected improves life.

Associated organisation: City of Greater Geelong,

See: www.geelongdesignweek.com.au for full program and to book tickets.

2022 Geelong Gift

Where Wadawurrung Country, Various locations TBA

Email: susie.ward@geelongcity.vic.gov.au Phone: 0409 552 282

Website: http://www. geelongdesignweek.com.au Facebook: http://www.facebook.com/ EcoDevGeelong/

The Geelong Gift is one of Victoria’s premier athletics competitions with a setting that is second to none on the Victorian Athletic League calendar. Register now - with races for Juniors, Women, Open, Men, Novice & Masters athletes, and distances from 70m to 3200m, we have a race for you! Spectators free! When 19 March 2022, 11:00 AM - 06:00 PM Where Steampacket Gardens Contact Tom Email: val@val.org.au Phone: (03) 8646 4545 Associated organisation: Victorian Athletic League Website: http://www.val.org.au Facebook: https://www.facebook.com/ victorianathleticleague Twitter: https://twitter.com/ VictorianAthLea

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PLACE AND SPIRIT Exaudi Youth Choir

exploring the human condition and the world around us. Tickets $25.00 Grab your tickets now When 19 March 2022, 03:00 PM - 04:30 PM Where Wesley Uniting Church Wadawurrung Country, 100 Yarra Street, Geelong VIC 3220 Cost • Adult: $25.00 • Child: $0.00 • Concession: $25.00 • Senior: $25.00 Contact Jane Email: music.basilica@bigpond.com

Concert 5 in the Annual Windfire Music Festival will be PLACE AND SPIRIT featuring the EXAUDI YOUTH CHOIR on Saturday 19 March 2022, 3.00pm at the Wesley Uniting Church (100 Yarra Street, Geelong).

After the choral quietness of 2021, Exaudi has exploded into 2022 full of energy and excellence, and can’t wait to share its music. Their program will be a miscellany of short pieces, sacred and secular,

Phone: 0447 238 432 Associated organisation: Music at the Basilica Inc Website: http://www.musicatthebasilica. org.au Facebook: http://www.facebook.com/ MusicattheBasilica

Book online at www.geelongdesignweek.com.au When 17 March 2022, 06:30 PM - 09:00 PM

Geelong Design Week Launch with

Clare Bowditch Big Dreams, creative resilience and the stories we tell ourselves: an evening with Clare Bowditch. If you’re a creative in ‘The age of Covid-19’, and you find yourself entering 2022 feeling fatigued, uncertain, and a little bit ‘over it’, then… fair enough! You’re not alone! Over the past two years, our ability to anticipate, plan, and execute our ‘big fat creative dreams’ really has been ripped out from under us. It’s easy to feel paralysed about ‘all the things we can’t

control’, but now is not the time to give up. Instead, now is the perfect time to ‘skill-up’, and our evening with Clare Bowditch is your opportunity to do just that, playfully but thoughtfully, in the company of the community to which you belong. Join us for a captivating evening with Clare as she explores a far more hopeful vision of our future, as we launch Geelong Design Week 2022. Cost: $35 (plus booking fee) including finger food and drink on arrival.

Where The Palais Geelong Wadawurrung Country, 297 Moorabool Street Geelong Cost Adult: $35.00 Tickets are available via www. geelongdesignweek.com.au Contact Shannan ONeill Email: shannan.oneill@geelongcity.vic.gov.au Phone: 52724631 Associated organisation: City of Greater Geelong Website: http://www.geelongdesignweek.com.au

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FIND GEELONG | MARCH 2022

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Jon Faine - Queenscliffe Literary Festival Program Launch Enjoy celebratory drinks on the lawn beside the Queenscliff Town Hall. With wines kindly supplied by Provenance Wines, you get first look at the 2022 Queenscliffe Literary Festival program before our special event with Jon Faine. Lawyer, broadcaster and author, Jon Faine (Apollo and Thelma) shares the astonishing true story of legendary strongman Paul Anderson ‘The Mighty Apollo’ and his sister Thelma, the pioneering publican of the ‘Wanda Inn’ at Top Springs in the Northern Territory. Their twisting tales move from depressionera slums of Melbourne to the Australian outback. Through the improbable route of these two originals, Jon reckons with his own story, his own history and Australia’s past, present, and future. Jon Faine in conversation with Robyn Annear When 29 March 2022, 05:00 PM - 07:30 PM Where Queenscliff Town Hall Wadawurrung Country, 50 Learmonth St, Queenscliff VIC 3225 Cost Adult: $30.00 One price Contact Pip May

Email: mediaqlf@gmail.com Phone: 0448 883 310 Associated organisation: Queenscliffe Literary Festival

Website: www.queenscliffeliteraryfestival. com.au Facebook: http://www.facebook.com/ queenscliffeliteraryfestival Twitter: http://www.twitter.com/QLFLitFest

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The Little Things - A Group Exhibition Here for your inspiration.

art

immersion

and

View online any time. Please check our website for times and dates to visit the exhibition in person. When Various dates from 11 March 2022 to 7 May 2022, 12:00 PM - 05:00 PM Where Geelong Art Space Wadawurrung Country, 89 Ryrie Street Geelong VIC 3220 Contact Katherine Email: geelongartspace@gmail.com Associated organisation: Geelong Art Space A group exhibition featuring artists and makers from Geelong, the surrounding regions and beyond who utilise innovative ways to create. A must-see this exhibition explores and celebrates ‘the little things’ in life.

Geelong Art Space is an eclectic art space promoting local and regional contemporary craft makers and artists. Housed in a heritage building dating back to 1915, established as one of the first florists in Geelong.

Website: http://www.geelongartspace.com Facebook: http://www.facebook.com/ geelongartspace

2022 Offshore Superboats Round 2 of the 2022 Offshore Superboat Championships will be held in Corio Bay Geelong, with the pit area located in Steampacket Gardens on the Geelong Waterfront. The weekend will consist of a five Offshore Championship races and two Sport 65 & 85 races. With big boats and plenty of action, this event is one not to be missed. When Daily from 26 March 2022 to 27 March 2022, 09:00 AM - 05:00 PM Where Steampacket Gardens

Wadawurrung Country, Eastern Beach Rd, Geelong VIC 3220

Contact Offshore Superboat Championships and Club Email: administrator@superboat.com.au

Associated organisation: Offshore Superboats Corporation Website: https://superboat.com.au/ Facebook: https://www.facebook.com/ OffshoreSuperboats MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Djila-tjarri Yerran (Let’s Play in Nature in traditional Wadawurrung language) is a free community event for preschool children and their families being held at the Northern Bay Family Centre during Nature Play Week 2022. Children and families will be able to participate in a range on interactive nature-based activities and connect with local early years professionals. Activities include: • Welcome to Country and Smoking Ceremony • Roaming Reptiles (lizards, snakes, crocodile, turtles etc) • mudball mindfulness • storytelling and songs • “Weerrebeng Moorran” - ‘Gum Leaf’ activity • and lots of other interactive fun! Key messages Reconnecting with nature and the outdoors - Delama yerram baa kalewerango (to embrace with nature and outdoors), Connecting with each other and your community - Gerrupa-tjarra baa benganak bengadak-a (connecting with others and all people at a place)

When 06 April 2022, 11:00 AM - 02:00 PM

Bringing the fun to you - Goopma bornda bengeen (bringing joy to you)

Where Northern Bay Family Centre Wadawurrung Country, 3-25 Goldsworthy Road, Corio

This event will follow all COVIDSafe setting requirements.

Cost This is a free event

Contact Nikki Welsh Email: nikki.welsh@geelongcity.vic.gov.au Phone: 03 5272 5272 Associated organisation: City of Greater Geelong Website: www.geelongaustralia.com.au

A Taste of Ireland

‘A Taste of Ireland?The Irish Music & Dance Sensation’ returns with a performance that is ‘Celtic?for this decade’. Laugh, cry and jig into the night with a show that has entertained thousands.

world-class dancing, melodic folk music mash-ups and craic galore transports you through the story of Ireland’s tumultuous history, complimented by stunning production and lighting.

Hot off its premiere New York City run in 2020 and with over 120 shows in 2019 across Australia and New Zealand, ‘A Taste of Ireland’ finally returns down under.

Including beautiful scenic visuals, glitz, glamour and poetic narration, ‘A Taste of Ireland’ combines toe-tapping rhythms with heart-warming emotion to create a contemporary Irish dance showcase that will leave you shouting for more.

Experience the performances that have brought the house down night after night around the world as ‘A Taste of Ireland’ wows audiences in 2022. Featuring acclaimed Irish dancers, dazzling folk musicians and contemporary vocalists, experience the raw, rhythmic passion that is the original story of the Celtic motherland. With revamped classics like ‘Danny Boy’ and ‘Tell Me Ma’, the show’s live, energetic blend of well-known tunes, jaw-dropping acapella tap battles,

Starring dancers from the West End’s Lord of the Dance, Riverdance, & Gaelforce Dance alongside a treasure trove of Irish Dancing World Champions, ’A Taste of Ireland’ delivers the very best talent in the nation. ‘A Taste of Ireland’ is exactly what it promises: a taste of everything you love about Ireland with a generous helping of more! Experience one of the most prominent

When: 26 March 2022, 07:30 PM - 09:30 PM

Irish Dance shows in the world today. With all new sets, costumes, tunes and effects, we promise you haven’t seen anything like this year’s show! With tours lined up in the USA, Canada and the UK, don’t miss your chance to see ‘A Taste of Ireland’ in 2022. Contact A Taste of Ireland Email: info@pacelive.com.au Phone: 1300 251 200 Website: https://www. atasteofirelandshow.com Facebook: https://www.facebook.com/ atasteofirelandshow

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MARCH 2022 | FIND GEELONG

Hope Bereavement Care Charity Sport’s Breakfast as we endeavour to ensure no one is alone in their grief. WE HOPE YOU CAN JOIN US! Book your tickets now If you are interested in SPONSORSHIP OPPORTUNITIES for this event, please contact us at hope@bereavement.org. au to find out more. If you are unable to make it on the day, but would like to make a DONATION, you can do so at https://www.givenow.com. au/hopesportscharitybreakfast When 05 April 2022, 07:00 AM - 08:30 AM Where The Captains Room. GMHBA Stadium Wadawurrung Country, 370 Moorabool St, South Geelong VIC 3220 This year’s Sports Breakfast will be hosted by the wonderful Roxie Bennett with special guests, including Geelong Football Club’s new CEO, Steve Hocking.

Each year we help more people who are grieving the loss of a loved one, yet we receive no direct government funding. Over the last financial year, we provided 1868 hours of counselling, Your support of this event will allow Hope delivered 42 groups and joined with over to continue to offer free information, 500 bereaved people to remember their support and counselling to bereaved loved ones, at our events. people in the Geelong community, who are grieving the death of a child, the The Sports Breakfast is our major sudden and unexpected death of an fundraiser for the year and we rely adult and those experiencing loss after heavily on these events and the suicide. generosity of the Geelong community,

Cost Adult: $95.00 Ticket includes a hot cooked breakfast.

Contact Hope Bereavement Care Email: hope@bereavement.org.au Phone: 03 4215 3358 Associated organisation: Hope Bereavement Care Website: www.bereavement.org.au/ Facebook: www.facebook.com/ hopebereavementcare/

Ocean Grove Acoustic

Festival

Australia’s only Acoustic Festival staged at The Pavilion in the spectacular Ocean Grove Park in Victoria’s Bellarine Peninsula. When 09 April 2022, 4pm Where Ocean Grove Pavilion Wadawurrung Country, The Avenue, Ocean Grove, 3226 Cost This is a free event Contact Website: http://www.oceangroveacousticfestival.com.au MARCH 2022 | FIND GEELONG

MARCH 2022

Free Advertising

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Religious Groups and Churches

Geelong

Located in the heart of the city, Westfield Geelong is your one-stop hub for shopping, food, fun and relaxation. Geelong’s premier shopping destination for fashion and beauty. Home to some of Australia’s best-known retailers including Myer, Big W, Target and Coles as well more than 160 specialty stores. A great range of cafes, restaurants and lunch options. A friendly Concierge team is available to help with: Westfield gift cards, personal styling sessions, hiring mobility equipment, Kiddy cars, mobile phone charging station, and parking information and more. There are plenty of amenities, a parent’s room on each level and an adult change facility; Changing Places. Located two blocks back from the water front, between Malop Street and Brougham Street.

Eat

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Discover some of the other benefits of being a Westfield Plus member: • • •

• • •

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Your chance to win $10K every day with Westfield Plus starts soon Set a reminder, tie a string around your finger, put a post-it note on your cat – however you want to remind yourself, just don’t miss this! From 10 March, we’re giving Westfield Plus members the chance to win $10K a day plus loads of exclusive gifts and surprises. Every day’s a new chance to win $10K, so download the free Westfield Plus App now and get ready! Here’s how you can enter: 1. Not a member? Download Westfield Plus App here

the

Enter the daily draw by scanning one of the Westfield Plus giveaway QR Codes found in all Westfield centres and follow the prompts. You’ll find these QR codes in convenient locations throughout Westfield Geelong, including at concierge. That’s it! You’re in to win. Don’t forget to enter daily for your chance to win $10K every day, until 6 April.

Download the app now and get ready to enter our daily $10K giveaway. Shop like a VIP on every visit with Westfield Plus

Do you have feedback for us? Have your say with Westfield iQ

2 hours free parking on weekends Check your parking time Discover promotions, events, offers and news happening in your local centre daily Book tables at some of your favourite restaurants Earn rewards when you Click & Collect with Westfield Direct Add a Westfield Digital Gift Card to your wallet or Apple Pay and check your balance Explore your local centre map and browse store directories

The Westfield Plus App is free and easy to download and use, and we’re always adding more great features. So, how would you spend your $10K? A new designer wardrobe, a welldeserved holiday or maybe you’ve got some bills to pay? Stop dreaming and start entering from 10 March – 6 April! Download the app now to enter every day When using the Westfield Plus App, location services are needed to access in-app benefits at your nearest Westfield. To enter the $10K every day giveaway, please enable location service on your device.

Conditions apply

Pandora: Introducing the Marvel x Pandora collection

Geelong Waterfront A visit to Geelong is not complete if you haven’t seen our spectacular waterfront. Before the 1990s, Geelong’s waterfront was an industrial wasteland. Today, it’s one of Australia’s top waterfronts with multiple awards for design. The Geelong Waterfront is one of Australia’s most stunning waterfronts. Having started from humble beginnings when Geelong was founded as a port in 1836, the Waterfront has now attracted a series of prestigious awards. This cosmopolitan and vibrant area is a hive of activity with restaurants and cafes, beautiful landscaped gardens, attractions and public art, all with amazing views of Corio Bay. It also provides a full events calendar, tourism, education and accommodation services: Our historic Carousel, Poppy Kettle playground and youth activities area is great for kids of all ages. See Geelong’s famous bollards. There are plenty of possibilities to explore and view the Waterfront: take a ride on a Harley Davidson motorcycle, or the trackless train if you prefer a more leisurely look around check out the view from the air in a helicopter or take a boat cruise along Geelong’s spectacular Waterfront. Port Phillip Ferries are offering a service from Geelong Waterfront to the Docklands from Saturday 13 June 2020. When the weather heats up, cool off on the Waterfront at the Eastern Beach swimming promenade. Children’s pool, enclosed sea baths, diving platforms, all patrolled by lifeguards on duty during the summer months.

Poppy Kettle Playground Equipment for all ages is provided, including for over 10 years. The main feature is a unique pyramid climbing net. A favourite activity is the interactive Poppy Kettle water feature. A trip to this playground can be combined with a walk or bike ride along Geelong’s famous Bollard walk or a visit to The Carousel. Geelong’s Youth Precinct is located nearby.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Cunningham Pier Geelong Cunningham Pier is one of the most recognisable structures on the Geelong Waterfront. Opening in the mid-1850s it was originally known as Railway Pier. It was an important part of the Geelong Port and you can still see the train lines that were used to transport cargo to the end of the pier. The pier stretches 250 metres out over Corio Bay and its bright white building is a standout feature of the foreshore. The two-storey weatherboard building houses the Wah Bar and Asian food restaurant (bao buns!), Wah Wah Gee. The Pier Geelong function centre is also located here. A large part of this Geelong pier is dedicated to car parking and a convenient covered walkway provides shelter as you walk along the train tracks. Cunningham Pier fishing has always been popular and in keeping with tradition, local anglers continue to use it.

The Cultural Precinct The Geelong Gallery is one of Australia’s oldest regional galleries with a magnificent collection of 19th and 20th century Australian and European paintings. The 1915 architecture is a temple to the arts with Greco-Roman columns and high ceilings. In contrast to the building’s classical roots, exhibitions are often cutting edge. They recently had a Rone retrospective, highlighting the work of a local street artist who has become world-renowned for his large-scale wall paintings of esoteric female faces and immersive installations exploring beauty and decay. Geelong Library and Heritage Centre tower over the gallery. The glass-clad masterpiece nicknamed “the Dome” cost $45 million and has won several architectural awards. An elevator goes to the top floor. Step out on the balcony with the pigeons, and Geelong is at your feet! Enjoy lunch at Public, a contemporary library cafe with views of the parklands.

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MARCH 2022 | FIND GEELONG

Skate Parks In Geelong We have more skate parks per capita than any other municipality in Australia. Skate parks in Geelong have a variety of facilities available for skate boarders, bladers and BMX bike riders including quarter pipes, handrails, funboxes, vert ramps, pyramids, banked ramps, and stairsets. We strongly advise the wearing of helmets and padding when using our Skate Parks, and enforce compulsory wearing of helmets at all skate events. Looking to get into skating or want to know more about skating in Geelong? Read about our skate program.

The Old Paper Mills Hubcaps To Creative Hubs is the title for a series of short films about creative Geelong. Hubcaps are a reminder of Ford as a major employer before pulling out in 2016. Vacant industrial spaces such as factories and wool mills have become creative villages. I stayed in a Vrbo in the Old Paper Mills (1878). In Victorian times, this bluestone mill pulped rags to make paper. The dramatic waterfall setting reminded me of the cover of George Eliot’s novel The Mill and the Floss. The present owner, Alex Robins, has lovingly restored what he refers to as an Industrial Cathedral. The old mill is a labyrinth of galleries, studios, workshops, and boutique shops with handmade goods. Enjoy a coffee at The Door Gallery Cafe surrounded by antique Indian doors. Provenance Wines has a cellar door and restaurant in the main building. Enjoy tastings matched with bite-sized food pairings. Rone painted one of his famous esoteric faces on the back wall. As street art is so transient, it’s great to see a lasting testament to his work.

MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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Western Beach Geelong People have been swimming, boating, fishing, and playing at Western Beach Geelong since the 1840s. In those days there was an unwritten rule designating Western Beach for men’s bathing and Eastern Beach for women. But some ‘dastardly gentlemen’ would disregard the agreement scaring respectable women away. Today the area is rarely used for swimming, but it’s still a popular stretch of foreshore connecting Rippleside to the rest of the Waterfront. Here you’ll find the Boat House restaurant (Geelong’s best spot for fish and chips), the Poppykettle Playground, a designated fishing area, and the marvelous Western Beach Boardwalk. Curving out over the water the boardwalk has well-placed seats where you can sit back and watch the sea birds duck dive for fish. In the early morning, it’s perfect for watching the sun come up over the bay.

Rippleside Park Located on the western edge of the Waterfront, Rippleside Park Geelong is a pretty grass-covered foreshore reserve. Popular with locals, Rippleside is less well-known to tourists who drive past en-route to more popular areas. The park has magnificent bay views and is particularly appealing to families with young children who love the adventure playground. The huge wooden structure has ramps, walkways, steps, and plenty of nooks and crannies to explore. When the kids tire of the playground the reserve has wideopen spaces to run around in. Don’t forget to bring your footy! Tucked in next to the reserve is tiny Rippleside Beach where you can bask in the sunshine or splash around in the water. Overlooking the whole area is the bright and spacious Ripples On The Bay cafe. This stunning cafe serves excellent coffee and has huge windows with to-die-for water views. Other amenities include picnic and barbecue facilities, toilets, and plenty of car parking spaces.

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Steampacket Gardens Located right beside the water Steampacket Gardens Geelong is a big rectangle of lush lawn that’s perfect for a relaxing picnic or a game of frisbee. A path on the northern edge connecting the gardens to the bay has seats where you can enjoy the sea breeze and watch the nearby helicopter toing and froing. On the eastern side you’ll find the Wharfshed Cafe serving yummy meals and to the west sits the delightful historic carousel. There are some interesting art sculptures dotted around the park. Be sure to check out the Volunteer Rifle Band bollards and The Buoys sculpture, a group of former channel buoys that have been turned into a powerful piece of artwork. The Geelong Waterfront Makers and Growers market (Steampacket Market) is held here on the first Sunday of each month. This popular market offers local produce, beautiful art and handicrafts, and lots of tasty treats. You can read about other popular Geelong markets here.

The Carousel Geelong Carousel The Carousel Geelong is a rare 1892 ArmitageHerschell hand-carved wooden carousel. One of only a few in the world this beautifully restored carousel is considered by many to be the best that’s still in use today. Housed in a modern steel and glass enclosure the pavilion has an old-world carnival atmosphere that’s enhanced by a pipe organ playing Dixieland melodies. A ride on this enchanting carousel is a magical experience for children of all ages and abilities, with a mobility lift that assists wheelchairs onto the attraction. Entry into the pavilion is free. Tickets to ride the Carousel are $5.00.

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FIND GEELONG | MARCH 2022

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RETIREMENT Did you know? 4.04% is the new maximum permissible interest rate (up from 4.01%) that can be charged to calculate the daily payments for outstanding accomodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

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@findretirement.com.au

Mon - Fri: 9am - 5:30pm

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1300 88 38 30

Sat: 10am -1pm

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

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Submit to

LIMERICK COMPETITION RETIREMENT By Bernard Kelly MBA

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

“A delighted incredulous bride

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

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

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach MARCH 2022 | FIND GEELONG

FIND GEELONG | MARCH 2022

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

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

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

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

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

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

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

Important points to note:

•

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

•

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

•

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

•

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

•

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

•

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

•

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

Source: ATO.

Timing is key

9 tips to consider

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

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

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

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

ill health death in the family moving house.

MARCH 2022 | FIND GEELONG

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

Source: ATO.

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

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

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

FIND GEELONG | MARCH 2022

Free Advertising We invite a representative from each Sporting Club to submit team selections, results and any interesting stories relating to your club/ sports. For inquiries call 1300 88 38 30 or email the editor@findgeelong.com.au

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‘Showdown Series’ Geelong v Essendon Round 1 feat Joel Selwood v Jake Stringer LIVE at The Wharf Shed, Geelong! SHOWDOWN SERIES: Geelong Vs Essendon (Round 1) Featuring - Joel Selwood & Jake Stringer Thursday 17th March 2022 @ The Wharf Shed (Upper Level), 15 Eastern Beach Road, Geelong VIC 3220 Authentic Autographs and Events Australia & Entertainment by Vin are giving A VERY LIMITED amount of Geelong & Essendon FC supporters a chance to hear from Cats Captain Joel Selwood and Bombers star Jake Stringer ahead of their round 1 showdown. Exclusive access to both players will be available with the 20 VIP Pre Show Dining Passes we release for this show. This family friendly all ages live show and Meet ‘n Greet will be the only event of its type to launch the respective seasons for both of these mighty clubs. Don’t pass up this great opportunity to come and get the inside word on your teams chances in 2022. Set on the picturesque Eastern Beach Waterfront within a stones throw to the bay you and your group will have incredible access to Joel and Jake in a relaxed and comfortable environment. We will have a mixture of official Geelong & Essendon FC memorabilia on display for purchase at our live and silent auctions on the night. An event not to be missed!!

GENERAL ADMISSION (Show only) - $45 (QTY 40) > Early Bird $35 (QTY 20) GENERAL ADMISSION + STRINGER MEET/ PHOTO - $70 (QTY 20) > Early Bird - $60 (QTY 10) * Includes a Meet ‘n Greet & professional photo with Jake (digital high resolution image) GENERAL ADMISSION + SELWOOD MEET/ PHOTO - $70 (QTY 20)

Terms and Conditions: This event will be run in accordance with the latest Victorian Government guidelines and COVID safe practices. Per the Chief Health Officer’s current direction, all attendees’ must sign in on the venue QR code, provide proof of double vaccination or a valid medical exemption, along with photo ID. THERE ARE STRICTLY NO REFUNDS FOR TICKETS PURCHASED TO THIS EVENT (ONLY EXCEPTION BEING A COVID DIAGNOSIS WITH MEDICAL PROOF)

> Early Bird $60 (QTY 10)

HOWEVER YOU MAY ON-SELL OR GIFT YOUR TICKET TO ANOTHER PERSON.

* Includes a Meet ‘n Greet & professional photo with Joel (digital high resolution image)

Date and time

VIP PASS - $125 (QTY 20) * Includes an exclusive meal with the players pre show (limited to 20 persons only), front of room seating to the show & a Meet ‘n Greet & professional photo with either Joel OR Jake (digital high resolution image) ** Please advise of any dietary requirements in advance thanks *Professional photo of YOU/ YOU & your plus one *Your photo can be downloaded from our Facebook page after the event. This will be loaded within 72 hours after the event.

Thu., 17 March 2022 7:00 pm – 10:00 pm AEDT Add to calendar Location The Wharf Shed 15 Eastern Beach Rd Geelong, VIC 3220 Australia View Map

Tickets

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MARCH 2022 | FIND GEELONG

Cat Tales - The Premiership Years feat Stevie J and Cam Mooney LIVE at The Wharf Shed, Geelong! ‘CAT TALES’ THE PREMIERSHIP YEARS SERIES Featuring - Stevie J & Cam Mooney Thursday 31st March 2022 @ The Wharf Shed (Upper Level), 15 Eastern Beach Road, Geelong! Authentic Autographs and Events Australia & Entertainment by Vin are giving A VERY LIMITED number of Geelong FC supporters a chance to hear from Cats Premiership stars Stevie J & Cam Mooney as they discuss the most successful period in the clubs history….3 flags in 5 years! Exclusive Pre Show Dining Passes with both players will be available for 20 VIP ‘s only. ‘Cat Tales’ The Premiership Years is a series of shows designed to take fans back to the glory days and relive some of the clubs best moments. This show will be full of plenty of laughs, never before heard tales and everything in between. Don’t pass up this great opportunity to come and hear from two of the most colourful characters to ever don the blue and white hoops. The live show is suitable for ages 12+ at parents discretion due to coarse language and adult themes content. Set on the picturesque Eastern Beach Waterfront within a stones throw to the bay you and your group will have

incredible access to Stevie and Cam in a relaxed and comfortable environment. We will have a mixture of official Geelong FC memorabilia on display for purchase at our live and silent auctions on the night. An event not to be missed!! Early Bird TIX just $35 each GENERAL ADMISSION (Show only) - $45

This event will be run in accordance with the latest Victorian Government guidelines and COVID safe practices. Per the Chief Health Officer’s current direction, all attendees’ must sign in on the venue QR code, provide proof of double vaccination or a valid medical exemption, along with photo ID. THERE ARE STRICTLY NO REFUNDS FOR TICKETS PURCHASED TO THIS EVENT (ONLY EXCEPTION BEING A COVID DIAGNOSIS WITH MEDICAL PROOF)

GENERAL ADMISSION + MEET/PHOTO - $70

HOWEVER YOU MAY ON-SELL OR GIFT YOUR TICKET TO ANOTHER PERSON.

Early Bird - $60

Date and time

* Includes a Meet ‘n Greet & professional photo with both players (digital high resolution image)

Thu., 31 March 2022

VIP PASS - $125

Add to calendar

* Includes an exclusive meal with the players pre show (limited to 20 persons only), front of room seating to the show & a Meet ‘n Greet & professional photo with both players (digital high resolution image)

Location The Wharf Shed

*Professional photo of YOU/ YOU & your plus one *Your photo can be downloaded from our Facebook page after the event. This will be loaded within 72 hours after the event.

7:00 pm – 10:00 pm AEDT

15 Eastern Beach Rd Geelong, VIC 3220 Australia View Map

Tickets

Terms and Conditions: MARCH 2022 | FIND GEELONG

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PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

1300 88 38 30 Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

INDEX PROFESSIONAL SERVICES • • • • • • •

Find Accountant ------------------82 Finance Broker --------------------84 Bookkeeping -----------------------83 Business Coach -------------------84 Lawyers --------------------------------83 Salary Packaging Service--83 Signwriter -----------------------------84

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one.... SERVICES LEADERSHIP COACHING & DEVELOPMENT

Leadership coaching that connects your team and drives results

TEAM COACHING & DEVELOPMENT

BEHAVIOURAL PROFILING

CONTACT SALLY HIGOE

BUSINESS GAP ANALYSIS

IN-HOUSE & ONLINE TRAINING

WORKSHOPS/WEBINARS

Resilience Coach Team Resilience Method 0490 388 017 sally@team-resilience.com.au www.team-resilience.com.au

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PROFESSIONAL SERVICES

Biscuit Business Services Helping your business keep track of your bickies!

OUR SERVICES BAS Services

0422 800 012

Bookkeeping & Payroll

mc@biscuitbooks.com.au

Services

7A 9A-11 Leather Street, Breakwater VIC 3219

Business Services MARY-CLEAR SWITZ Bookkeeper

CONTACT

Biscuit Business Services provides professional, confidential and comprehensive bookkeeping, payroll, BAS and administrative solutions to small to medium businesses. We specialise in working with ‘in the cloud’ bookkeeping and document solutions to effectively keep your business up to date and on track. We believe in a strong team approach when working with our clients and their Tax Agents.

Geelong’s Premier Newlaw Firm With A Personal Approach. We Provide High Quality, Timely & Tailored Legal Solutions With Price Certainty Australia Wide. OUR SERVICES

•

CONVEYANCING & LEASES

•

PROBATE

•

COMMERCIAL & CORPORATE

•

CRIMINAL LAW

•

FAMILY LAW

•

ADVOCACY & MEDIATION

•

WILLS & ESTATE PLANNING

•

IMMIGRATION & VISAS

Suite 3, 50-58 Moorabool St Geelong VIC Australia 3220 0429 312 986 john@vanbeveren.com.au

Van Beveren Lawyers based in Geelong provide high-quality, timely and tailored legal solutions with price certainty Australiawide. We focus on quality services, building relationships and forging long-term partnerships. Together, we invest in your ongoing success

JOHN VAN BEVEREN Lawyers & Conveyancers

Salary Packaging means you can pay less tax, use your pre-tax income to pay for everyday expenses and make your salary go further. Services

Call us now

• • • • •

(03) 5229 4200

Packaging administration One-on-one customer service Staff and organisation resources Comprehensive and always on-time FBT reporting Direct to employee claim benefits paid in one working day

Dan Nicholls Salary Packaging Services

We ensure your staff get the full advantage of their entitlements, because taking care of your staff is our business.

MARCH 2022 | FIND GEELONG

PROFESSIONAL SERVICES

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DEVELOPING EXCELLENCE IN BUSINESS CONTACT

SERVICES Mentoring

0400 524 451

Coaching

deb@debconsulting.com.au

www.developingexcellenceinbusiness.com.au

Master Class In-House Training Workshops Online Training Strategic Planning

DICOVER MORE ABOUT THE 5D PROCESS

DEB FRIBBINS Business Coach

Finance with a different accent... Services

ALLAN HOULISTON Finance Broker

Contact

Residential

0405 140 003

Investment Loans

Office address: 5/329 Pakington Street,

Commercial Loans

Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

Signarama Geelong West Your local team for quality Signs Services

• • • • • •

Contact the team at Signarama Geelong West

Creative Services Installation Services Project Management Printing Resources Finance Options

1300 797 161

TIM KNOTT Professional sign design, top quality production methods, and expert installation ensure you are in safe hands with your local Geelong signs team at Signarama.

Owner

PROFESSIONAL SERVICES

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BUSINESSES Do you provide Home and Garden services in the Geelong region? If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findgeelong.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

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PRISTINE OUTDOOR PROPERTY SERVICES

PROFESSIONAL SERVICES • • • • • • •

Property Services ------85 Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

SERVICES ( Covering Domestic and Commercial )

Mowing (small to acreage) Garden Clean Up/Maintenance Window Cleaning Gutter Cleaning Pressure Washing

DANIEL TOMLINSON Property Services

CONTACT 0468 485 122 danatpops@gmail.com www.pristineoutdoorpropertyservices.com.au/ ‘Servicing Golden Plains and Geelong

A beautiful lawn doesn’t happen by itself

MARCH 2022 | FIND GEELONG

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HOME & GARDEN

TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals? Consider joining the find Geelong Network group. If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findgeelong.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • • • • • •

Painting Services-------86 Electrician----------------87 Embroidery--------------87 Building Inspection Nursey Flooring

DAHLLOF PAINTING SERVICES OUR SERVICES PAINTING SERVICES INTERIOR PAINTING

CONTACT US We are lacated in Geelong, Victoria! Stephen Dahllof Painting Services Servicing Geelong and Surrounding Areas

0407 365 372 kerna1967@gmail.com www.stevedahllofofpaintingservices.com.au

Concept to Creation - Perfect From Start to Finish

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HOME & GARDEN

Best Quality Embroidery

Geelong Industrial Monogramming has been established since 1982, and is proud to be a family owned and operated business. During that time we have seen it grow from a small cottage industry to a fully operational factory and retail store with 20 experienced staff, servicing some of Australia’s biggest suppliers, including: YAKKA, Ford Motor Company, Rays Tent City Cant tear em’ and many more. We were Geelongs first embroidery business, and we strive to excel in our customer service and satisfaction by producing quality workmanship with garments made to last. 57 Morgan st North Geelong, Australia 3215

0412 670 310

Kerry@gim.net.au

www.gim.net.au

We are Geelongs first embroidery business, and we strive to exel in our customer service and satisfaction by producing quality workmanship with garments made to last.

Kerry Kaspi Branded Apparel & Marketing

Geelong Expert Electricians COMMERCIAL SERVICES

CONTACT

Quality Service for Commercial Fit-Outs 0414 538 394

Improving Existing Infrastructure

DOMESTIC SERVICES

mark@clutterbuckelectrical.com.au

Home Maintenance

www.clutterbuckelectrical.com.au

Domestic Electrical Repairs

Mark Clutterbuck

Property Improvements

Electrical Operations

CLUTTERBUCK has everything you need in a master electrician, whether it be for your home, office, business, or an area outdoors.

TRADIES - FREE ADVERTISING Email your artwork to editor@findgeelong.com.au. If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findgeelong.com.au/graphic-design to upload your details and we will create this for you.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au

MARCH 2022 | FIND GEELONG

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HEALTH & BEAUTY

BUSINESSES Do you provide Health and Beauty services in the Geelong region? If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findgeelong.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

Advertise Here

MARCH 2022 | FIND GEELONG

Birth, Deaths & Marriages

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findgeelong.com.au

GEELONG

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Find Coffee

Find Dining

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Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

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Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

MARCH 2022 | FIND GEELONG

COUPONS

31 February 2022 - 31 February 2022

Up to 50% of generated funds goes to Not-For Profit organisation.

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findgeelong.com.au/register Please refer to Page 92

LOCAL COUPONS OFFERS

TABLE

CONTENTS

BUSINESS NAME

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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FIND DINING

FIND BREKKY, BRUNCH & LUNCH

001

PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

CARD NO.

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001

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COMING SOON

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COMING SOON

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Bear & Bean

FIND COFFEE

Bear & Bean

FIND TAKEAWAY

001

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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Bear & Bean

FIND ENTERTAINMENT

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

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Dining

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

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Brekky, Brunch & Lunch The best memories are made when gathered around the table

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

NEW OFFERS COMING

Coffee

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

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

NEW OFFERS COMING

Takeaway

You don't need a silver fork to eat good food

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

NEW OFFERS COMING

Entertainment

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

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Find Coupons & Find Cards Policy Any changes or updates to these ‘Terms of Use’ of the Find Cards and/or Find Coupons can be found here. Non-Transfer

Valid Periods

The barter trade, sale, purchase, or transfer of the Find

Find Restaurant, Find Cafe & Find Coffee offers can be

Coupons &/or Find Cards, by any person or entity,

used at participating businesses any time except the

including but not limited to business placing offers in

following days: *Christmas Eve *Christmas Day *Boxing

the Find Paper, printers, publishers, and distributors

Day * New Year’s Eve *New Year’s Day * Valentine’s

of the Find Coupons /Find Card, is strictly prohibited,

Day *Good Friday *Easter Sunday *Mother’s Day.

unless expressly authorized by Find Pty. Ltd. Find

Some restaurant/Cafe/Coffe establishments will have

reserves the right to make changes to the participants

additional terms and conditions on the page where

and their offers at its sole discretion. Members will be

the business is advertising their offer).

notified of these changes via email or via the Site.

Present Find Card

The Find Coupons and its Offers are intended for the

You are required to present your Find Card at any

non-profits use of the individual purchaser of the Find

participating businesses if you wish to secure the

Cards &/or Find Coupons. Additionally, the use of the

discount or goods/service being offered.

Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2022 Find.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code, Regions Sticker and a members name and signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2022 Find© Pty Ltd.

OUR NEWSPAPER The Find Geelong 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 Geelong has a strong editorial focus and is supported via local grants and financed predominantly by local business owners. The Find Geelong acknowledge the Traditional Owners of the lands where Geelong now stands, the Wadawuarrung people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community. Readers are advised that the Find Geelong accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

www.findgeelong.com.au

MARCH 2022

Find Geelong 2022 - March Edition

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