Find Geelong - April Edition 2022 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

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

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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ASIC - Influencers Providing Money Advice Have Been Warned By Warren Strybosch

Who do you get your money or finance advice from? For many people they rely on their friends and family. For others, it is their professional advisor. In the past their professional advisor was the accountant but now that accountants can longer provide financial advice anymore, more people are turning to licenced financial planners. However, there is a growing number of people who do not seek professional advice but rather put their faith and trust into financial influencers or ‘fin-influencers’.

recommendation that someone should or should not invest in a product or a class of products, then this may be a breach of law. “If you’re an influencer who receives benefits or payment for your comments in relation to financial products, you’re more likely to be providing financial product advice because it indicates an intention to influence the audience,” the information sheet warned.

Source: ARdata consumer survey 2022 With a recent survey conducted by the Australian Securities and Investments Commission (ASIC), they found that over 33 cent of 18 to 21 year-olds are following someone a fin influencer on social media to obtain money advice. ASIC has become concerned about these influencers that they have released a paper INFO 269 warning social media influencers of the substantial risks and penalties they face if they promote financial products and services online. The information sheet warns that anyone discussing financial products and services online or promoting affiliate links must understand their legal obligations, including whether they are providing financial product advice or arranging for followers to deal in a financial product. “Make sure your content is accurate and balanced. If your online post is misleading, you may be breaking the law.” ASIC stated that influencers can share factual information but if that information is presented in a way that conveys a

ASIC commissioner Cathie Armour said the way investors access information is changing. “It is crucial that influencers who discuss financial products and services online comply with the financial services laws. If they don’t, they risk substantial penalties and put investors at risk,” said Ms Armour. “ASIC monitors select online financial discussion by influencers who feature or promote financial products for misleading or deceptive representations or unlicensed advice or dealing. If we see harm occurring, we will take action to enforce the law.” Dr Angel Zhong – who is a senior lecturer in finance in the school of economics, finance and marketing at RMIT University - applauded the move by ASIC, after recent research by the university found that financial information consumed online influenced investment decisions. “Unverified investment advice is no different to fake news, which is frequently flagged by social media platforms that urge viewers to read with caution,” Dr Zhong said.

“Newbie investors are particularly susceptible to receiving dodgy financial advice, as the internet replaces traditional outlets like accredited financial advisers. As one of Australia’s most popular fin influencers, better known as the Bare Foot Investor, we emailed Mr Scott Pape, seeking his response to INFO 269. We asked him to comment on his audio books which direct clients to use certain industry funds and personal insurances within those industry funds. Lastly, we asked him if he would be making it clear that he is no longer able to provide financial planning advice since giving up is Australian Financial Services Licence back in 2020. As of writing this article, we have had no response from Mr Pape. As a side note, we acknowledge that the financial planning world has changed a lot over the past few years, and it is hard to keep abreast of these changes. We would encourage Scott to review his material in his books before releasing the next edition. For instance, he may not be aware that most industry fund insurers have changed their Total and Permanent Disability terms about five years ago and now have made it very hard for anyone to get a claim paid under their ‘any’ occupation definition. Also, professionals should consider an ‘own’ occupation definition which cannot be offered by industry funds. Pricing is another factor. Often it is cheaper in the long term to take up personal insurances with a retail insurer whilst still paying the premiums from their industry fund as a rollover. Given industry funds don’t offer level premiums, for young people, having a level premium policy can save them thousands of dollars in the long term compared to stepped policies. Whilst Financial Services Minister Jane Hume last year compared the influencers to “taxi drivers…giving stock tips”, ASIC has taken a dimmer view. Last month, the corporate watchdog updated its guidance and warned unlicensed influencers could face up to five years in prison or significant fines for breaking financial services laws. ASIC, in the past, have made bold statements and often their bark has been bigger than their bite. It will be interesting to see if ASIC will follow up on INFO 269 as undoubtedly, fin influencers, will continue to provide comments that may be construed as providing ‘money’ advice that they consider is not always in the best interest of consumers.

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Influencers in Firing Line – this time with Therapeutic Goods Administration (TGA) By Warren Strybosch

Many people want to become an influencer because of the money they can bring in from incentivised testimonials promoting health care products and the like.

can be seen holding a product but cannot comment on it or provide a personal testimonial anywhere; be it their own websites, print material, and social media.

However, the TGA have made revisions to the Code which specifically deals with social media influencers. The new rules prohibit paid or incentivised testimonials by influencers in relation to any and all health products within Australia.

According to the TGA, this step will result in greater transparency regarding product reviews and suggestions on social media. Testimonials can be overly persuasive to a sensitive audience looking for products to help with their health and, in some cases, really significant health concerns. The new Code assures that endorsements are as neutral as feasible and are not swayed by business interests or personal benefit.

The TGA have stated that influences can no longer be paid for posts related to sunscreen, protein powder, vitamins, supplements, medicines, skin-lightening products, and ‘acne skincare.’ Many people believe the ban or restrictions placed on influencers, be in influencers providing ‘money’ advice (read our other article in this month’s edition related to fin influencers) or those selling health products, can only be a good thing as it will combat misinformation which has become a big concern for regulatory bodies.

For the TGA, since the inception of social media, misinformation has been a major concern. Some products have been endorsed that were either fraudulent in their claims or, worse case, led to deaths. The TGA wants consumers to have

confidence that any testimonial is free from influence or bias and that the products they purchase have information supplied that is true and correct to label. The TGA has gone so far as to require influencers to delete past posts in relation to certain products e.g., sunscreen, if those posts were incentivised in any way. Influencers have been a key sales strategy for many well-known brands and these changes are likely to impact sales in the short term as the grapple with the new codes now in play. For influencers, they may need to look elsewhere to secure their fortunes. Given the pharmaceutical industry as always been a lucrative one to be a part of the new rules are sure to hurt some influencers bottom line going forward. Unfortunately, we don’t believe there will be any Change.org campaigns or the like to help their cause.

Some people have spoken out against the bans believing it will have a negative impact on their lives; namely LGBTQIA+ and female social media influencers. However, most people believe combating misinformation is more important than some people making a lot of money from promoting products that they likely don’t care about and/ or don’t believe in. Some people have gone so far as to state that influencers should go and “get a real job”; believing influencers have become famous for all the wrong reasons. To clarify these new rules brought out this year, the TGA stated that “companies can continue to connect with influencers for the purpose of product promotion”. However, an influencer cannot, whether direct or inferred, provide any type of personal endorsement of health products. They can work with a business but cannot express their personal opinions about the business or the products they sell. As such, an influencer

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 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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Central Geelong’s laneways and buildings are looking more vibrant than ever before.

Find Geelong Column by Deputy Mayor Trent Sullivan

If you wander down Little Malop Street, Little Ryrie Street, James Street, Wright Place, Cuzens Place, Minns Lane and Ryrie Street, you’ll be sure to notice the difference. That’s because nine women street artists have made the city their canvas and splashed it with colour. Council commissioned them as part of the $150,000 Street Art Commission Project to complete the creative works.

The arts and culture industry has had a difficult time of it during the pandemic, so this is a fantastic opportunity to give the scene a well-deserved leg up. And given street art is largely male dominated, we wanted to strengthen the representation of women artists. As society continues to open up, we’re keen to entice both locals and visitors back to Central Geelong. What better way to do that than enjoying an outdoor gallery while eating, shopping and watching live entertainment! Recently, I had the pleasure of meeting artist Jasmine Mansbridge on James Street. Jasmine talked me through the inspiration behind her brightly coloured piece while she shaped it before my eyes, as passers-by stopped in their tracks. In addition to their commissioned art pieces, two artists are calling on the community to tap into their own creativity. Manda Lane, who’s known for botanical-focused art, invites you to colour-in some beautiful native florals of the Greater Geelong region on Saturday 16 April. The paper floral works will be turned into a mural on the corner of Little Malop Street and Moorabool Street. Register here: https://geelong.link/wallflower On Saturday 23 April from 11am3pm, the community is welcome to join abstract artist Kerrie Poliness in a walking workshop to create large-scale geometric patterns on the ground with a specially designed chalk drawing stick. The action is happening on the concreted forecourt in Johnstone Park next to City Hall. You can drop in at any time and stay for 10 minutes or the whole drawing. These workshops are your opportunity to have some fun, while contributing to Geelong’s eclectic street art scene.

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COVID Grants – Now Approved as Tax-Free Income By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT). For more information go to: Income Tax Assessment (Eligible State and Territory COVID-19 Economic Recovery Grant Programs) Amendment Declaration (No.3) 2022.

Paid Parental Leave Scheme to be Expanded Andrew Brown (Australian Associated Press)

Single parents will now be able to access the full 20 weeks of paid parental leave, under changes to the scheme announced in the federal budget. The 2022/23 budget unveiled changes to the paid parental leave scheme, which would expand eligibility for the program. Enhanced paid parental leave will provide up to 20 weeks of flexible leave for eligible working families. The changes would mean eligible single parents would be able to access an additional two weeks of paid parental leave. The federal government will provide $346.1 million over five years to improve the paid parental leave scheme.

It’s estimated 180,000 new parents The fund is used to help set up new access the paid parental leave scheme child care services in rural, remote and regional areas where child care services each year. are limited.

The scheme will be changed by rolling the Dad and Partner Pay into Parental Leave Pay to create a single scheme.

The budget papers say the changes to the scheme would not result in any existing people who are on the scheme being worse off under the changes.

It’s forecast $11 billion will be spent on child care during 2022/23, with $10.7 billion coming from the child care subsidy.

The paid parental leave can be taken within two years of the birth or adoption of the child.

A further $19.4 million has been set aside over five years to set up a new grant round of the community child care fund.

Flood-affected childcare centres will also receive a boost from the budget, with $22.1 million over two years to increase the community child care fund.

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Victorian Sick Pay Guarantee for Casual Employees – Apply before you get sick By Warren Strybosch

Unable to work

Victoria is the first state to provide 5 days a year of sick and carer’s pay at the national minimum wage for casual and contract workers in certain occupations. The Victorian Sick Pay Guarantee will operate for 2 years, starting in 2022 and is fully funded by the Victorian Government. The Victorian Sick Pay Guarantee provides casual and contract workers with a guarantee they will receive sick pay when they need to take time off when they are sick or need to care for loved ones.

Confirm that you would have done paid work during the claim period, however, you were unable to work because of either:

Important: Your employees must register and be approved with Services Victoria BEFORE they get sick. If you apply for this payment after you become ill, you will not get paid for the days you were sick prior to applying.

Eligible occupations

Whilst this is good news for casual workers, it is confusing for the employers. Currently, employers pay an additional 25% leave loading to casuals to cover the fact that casuals did not get leave entitlements. However, this new payment to casual workers does not remove the employers leave loading liability which will need to continue to be paid. It is unlikely the leave loading will be removed. Eligibility for the Sick Pay Guarantee To be eligible for the Sick Pay Guarantee you must meet all these criteria: • • • • • • •

Age – be 15 years or over Type of employee – be a casual employee or self-employed with no other employees (such as a sole trader or an independent contractor) Leave entitlements – not be entitled to paid personal, sick or carer’s leave in any of your jobs Workplace – work physically in Victoria, no matter where you live Right to work – have the right to work in Australia Occupation – work in an eligible occupation (see table below) Average hours worked – on average you work at least 7.6 hours per week in an eligible occupation(s).

What you need to make a claim

• •

an injury or illness that affected you you had to care for or support a member of your immediate family, or a member of your household, because they had an illness, injury or unexpected emergency that affected them.

If you, your parent or legal guardian submit any false claim, it is at the absolute discretion of the department whether or not you get further payments under the Sick Pay Guarantee.

Occupations eligible in the first phase of the Victorian Sick Pay Guarantee are:

Job

Type of work

Hospitality workers

Providing services to patrons of hotels, bars, cafes, restaurants, casinos and similar establishments.

Food preparation assistants

Submit your claim within 60 days of the absence from work. Under special circumstances, the department may waive the requirement to claim within 60 days of your absence.

workers and service staff to prepare and serve food, cleaning food preparation and service areas. Baking bread and pastry goods; preparing meat for sale;

Food trades workers

planning, organising, preparing and cooking food for dining and

Sales support workers

Providing assistance to retailers, wholesalers and sales staff by operating cash registers, modelling, demonstrating, selecting, buying, promoting and displaying goods.

Sales assistants

Selling goods and services directly to the public on behalf of retail and wholesale establishments.

Other labourers who

catering establishments.

supply chains

Including workers who fill shelves and display areas in stores and supermarkets; load and unload trucks and containers; and handle goods and freight.

Aged and disability carers

Providing general household assistance, emotional support, care and companionship for aged and disabled persons in their own homes.

Cleaners and laundry workers

Cleaning vehicles, commercial, industrial and domestic premises, construction sites and industrial machines, and clothing and other items in laundries and dry-cleaning establishments.

Security officers and guards

Providing security and investigative services to organisations and individuals, excluding armoured car escorts and private investigators.

work in supermarket

To be eligible to make a claim you must: Claim time limit

Preparing food in fast food establishments, assisting food trades

These occupations are highly insecure and workers in these industries do not usually have access to sick and carer’s pay. More than 150,000 workers are expected to be eligible in this first phase of the Victorian Sick Pay Guarantee. APRIL 2022 | FIND GEELONG

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Coming Election - Labor’s focusing on Aged Care During the budget reply, the opposition leader decided not to talk about economic policy but instead used the opportunity to kick off his election campaign with the address centred around aged care. Aged Care The address was full of spending promise. If elected they would spend $2.5 billion in the Aged Care sector with the aim to improve the standards and quality of care under a five-point plan, including: 1.

requiring every aged care facility to have a qualified nurse on site 24 hours a day;

mandating every aged care resident receives a minimum 215 minutes of care per day (noting this was recommended by the Royal Commission);

introducing more accountability measures including requiring providers to publicly report their spending and promising more staff and funding for the Aged Care Safety Commission.

delivering a pay rise for aged care workers through an appeal to the Fair Work Commission to set higher wages (noting this financial commitment was not included in the estimated $2.5 billion aged care package but could amount to as much as $4 billion if the Commission agrees with the unions on the pay rise they are seeking);

Interestingly, the Opposition once again avoided discussing economics and kept away from answering the key question as to how they were going to pay for all of this, as well as all the other spending promises they have made to date.

providing better food for residents by setting a mandatory nutrition standard for agreed care; and

What was notably interesting in the Oppositions reply was their statement that they would increase defence spending

which is at odds with the Greens. Labor needs the Greens bi-partisan support for the up-and-coming election if they have any hope of winning, so this announcement is sure to stir the hornets’ nest. We look forward to finding out how Labor proposes to pay for all their future spending initiatives. History has shown that Labor is very quick to spend money to win the people (when I say people it usually ends up in the hands of the unions and not the ordinary everyday Australian) but find it very difficult to manage it wisely.

Reminder: Pension drawdown limits have been extended By Warren Strybosch

The 50% reduction to minimum pension drawdown requirements from account-based pensions, transition to retirement pensions and market-linked pension (term-allocated pensions) will be extended for the 2022/23 financial year. Accordingly, the government has registered the Superannuation Legislation Amendment (Superannuation Drawdown) Regulations 2022 to implement the continued reduction in minimums in 2022/23.

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Free Access to Company Information - ASIC fees to be removed By Warren Strybosch

One of the announcements in the 2022 Budget is that ASIC fees are to be removed as part of the Commonwealth’s deregulation agenda. From September 2023, it is anticipated that businesses will be able to access company information and pay less ASIC fees when the new business registery service goes live via the Australian Business Registry Services (ABRS) online digital platform. The following fees may be removed or reduced: • • •

Company search fees; Company annual review late fees; and Lodgement fees.

With the introduction of the Director ID, it looks like the Commonwealth also wants to make certain director and company information is more accessible. It is not yet clear as to exactly what information will be made available to the general public, but it is likely it will include information on company ownership, directorships, office addresses and financial results. The registry fee reforms are anticipated to save Australians and their businesses $64.9 million in fees over 3 years from 2023-24. The changes are part of the much broader Modernising Business Registers program to make interactions with government simpler and quicker, improve the currency and accuracy of registry information and promote transparency.

Latest Snapshot of Coronavirus Impact Robyn Wuth (Australian Associated Press)

AUSTRALIAN VACCINATION NUMBERS: * There have been 56,665,166 vaccine doses administered in the national COVID-19 rollout up to Monday, including 57,638 recorded in the previous 24 hours. * Of that total, 35,870,745 have been administered by commonwealth facilities, an increase of 45,731 in the previous 24 hours.

booster or top-up shot – an increase of 30,428 in the previous 24 hours.

* State and territory facilities have administered 20,794,421 vaccines, an increase of 11,907 in the previous 24 hours.

* 58,254 new cases: 19,183 in NSW, 9946 in Queensland, 12,007 in Victoria, 8145 in Western Australia, 5068 in South Australia, 2437 in Tasmania, 918 in the ACT and 550 in the Northern Territory.

* 96.83 per cent of people aged 16 and over have had at least one dose of a COVID-19 vaccine and 95.17 per cent are double vaccinated. * A total of 13,002,602 people have received more than two doses – with a

AUSTRALIAN CORONAVIRUS NUMBERS:

* The national death toll is 6422 (+38): Victoria 2763 (+8), NSW 2473 (+12), Queensland 755 (+8), South Australia 268 (+4), WA 67 (+5), ACT 43 (+1), NT 36 and Tasmania 31. (Two Queensland residents who died in NSW have been included in

the official tolls of both states). GLOBAL CORONAVIRUS NUMBERS: * Cases: at least 493,675,018 * Deaths: at least 6,169,931 * Vaccine 11,007,686,598

doses

administered:

Data current as at 1700 AEST on April 5, taking in federal and state/territory government updates and Johns Hopkins Coronavirus Resource Centre figures. APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

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

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How to Negotiate Better Employee Benefits (Australian Associatd Press)

With the COVID-19 pandemic taking hold again, many employers aren’t in a position to hand out pay rises, no matter how hard you’ve worked. If that’s the case in your role, it’s worth asking for other non-financial benefits that can improve your work and home life. Negotiating a pay rise or salary package is nerve wracking at the best of times, let alone during a pandemic. And, while you should always ask for what you think you’re worth, the economic climate may prevent you from getting it. Slow wage growth has been an issue in Australia for several years, even before the COVID-19 pandemic sent it tumbling to a record low of 1.4 per cent last year. Fortunately, employers are increasingly offering non-financial benefits to help entice employees to join or stay with their business. If your company has a wage freeze in place, and you don’t expect to be granted a raise this year, it might be time to think outside the box. Here’s some things to keep in mind when you’re negotiating non-financial benefits. How to negotiate better employee benefits 1. Identify which benefits you want most Before approaching your employer, think about the benefits that would be most valuable to you. What would enhance your lifestyle and wellbeing? What would you be happy to accept in lieu of a pay rise (at this time)?

The perk that’s consistently rated as the most desirable in Australia is flexible working hours. Whether you need to balance family commitments, study, a side hustle or just want the chance to exercise and recuperate after work, employees value having the ability to choose the hours they work. Seek research also has found that time in lieu, the ability to work from home, health insurance and subsidised education and training courses are among our top five most desired benefits. If these don’t appeal, you might want to consider asking for extra annual, sick or carers leave, health and wellness programs, employee share options, a better commission structure, even a new job title. Whatever is most important to you is worth asking for. 2. Understand what you have to offer Understanding how much value you bring your employer will help you make your case. Get granular and find examples to clearly demonstrate the value you bring. This might include things like results you’ve achieved, sales you’ve made, accounts you’ve won or projects you’ve completed. You could also consider how valuable your knowledge of the company’s systems and processes is, as well as the nature of your role within the business. 3. Research the market Next look at job ads for your role and see what type of benefits companies are offering. Is it something your employer could match? You might also like to research your

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value in the wider job market, as it may give you a stronger negotiating position. Are your skills in high demand? Is there a shortage of workers to fill your role? Would it be difficult for your employer to hire a candidate with your skills and experience? This information can all offer you support to back up your request for better benefits. 4. Set up a discussion It’s best to set up a meeting to talk about your request. Talk to your boss about the ways your work is benefitting the business, and have your list of non-financial perks ready to discuss. If you’re asking for these in lieu of a pay rise, make that clear at the time. Try to spell out the benefits your non-financial rewards would have for the business, as well as for yourself. For example, flexible work hours might mean you can start early when you’re most fresh and focused. 5. Plan for the best and worst outcomes Whether or not your request is granted, have a back-up plan ready. Ask for a follow-up meeting to discuss your salary and benefits in three to six months’ time. And get feedback on exactly what you need to do until then to put yourself in a better position for next time. In an uncertain economy and tightening job market, many employers are having to rethink how best to incentivise staff. If non-financial rewards would make your life better, it’s worth including them in your salary discussions.

Need advice on how to reach your financial goals? Speaking to your Financial Planner will help.

Do you have photos from a local event or evena great story you would like to share?

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SMSF: Non-arm’s Length Income - expenditure incurred under a non-arm’s length arrangement will attract higher taxes

ACCOUNTANT By Warren Strybosch

Have you ever owned a property in your SMSF and sold it to yourself for less than market value? Are you an accountant preparing the SMSF returns and financials and not charging the SMSF accounting fees associated with doing the work? Have you lent money to your SMSF and the SMSF is paying the interest at less than commercial rates? If so, the income produced by the SMSF may be taxed at the highest marginal tax rate. The ATO Law Companion Ruling LCR/2021/2 clarifies how the amendments to section 295-550 of the Income Tax Assessment Act 1997 (ITAA 1997) operates in a scheme where the parties do not deal with each other at arm’s length and the trustee of a complying superannuation entity incurs non-arm’s length expenditure (or where expenditure is not incurred) in gaining or producing ordinary or statutory income. The amendments apply in relation to income derived in the 2018–19 income year and later income years, regardless of whether the scheme was entered into before 1 July 2018. In other words, it relates to goods or services you received, paid-for, incurred, for which you paid less or received for less than market value. If you did, then some or all of the income with in your SMSF might be taxed at the highest marginal tax rate and not the low tax component rate of 15%.

Example 1 – Non-arm’s length expenditure was incurred to acquire an asset During the 2019–20 income year, Armin holds commercial property with a market value of $800,000. During the income year, he sells the commercial property to himself acting as trustee of his self-managed superannuation fund (SMSF) for $200,000. The SMSF leases the property to a third party. For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the commercial property from Armin for an amount that is less than its market value. There is a sufficient nexus between the non-arm’s length expenditure incurred in acquiring that property and the rental income the SMSF derives from leasing the property for the rental income to be NALI. Further, there will be a sufficient nexus between the non-arm’s length expenditure and any capital gain derived on the disposal of the property for the capital gain to be NALI. Example 2 – Non-arm’s length expenditure incurred has a nexus to all income of the fund For the 2020–21 income year, Mikasa as trustee of her SMSF engages an accounting firm, where she is a partner, to provide accounting services for the SMSF. The accounting services include services other than those relating to complying with, or managing, the SMSF’s income tax affairs and obligations. The accounting firm does not charge the SMSF for those

services as a result of non-arm’s length dealings between the parties (and not as part of any discount policy referred to in paragraph 51 of this Ruling). For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the accounting services under a nonarm’s length arrangement. The nonarm’s length expenditure (being the nil amount incurred for the services) has a sufficient nexus with all of the ordinary and statutory income derived by the SMSF for the 2020–21 income year. As such, all of the SMSF’s income for the 2020–21 income year is NALI. Subsection 295-550(1) would cease to apply if the arrangement changes for the 2021–22 income year so that the SMSF incurs expenditure for the accounting services provided by the accounting firm of an amount that would have been expected to be incurred where the parties were acting at arm’s length. In this situation, none of the SMSF’s income for the 2021–22 income year is NALI. Example 3 – Purchase financed through a limited recourse borrowing arrangement on non-arm’s length terms During the 2018–19 income year, Kellie (as trustee of her SMSF) entered into a non-commercial LRBA with herself in her individual capacity to purchase a commercial property valued at $2 million. Her SMSF borrowed 100% of the purchase price and the terms of the loan

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included interest being charged at a rate of 1.5% per annum and repayments only being made on an annual basis over a 25-year period. Kellie’s SMSF received a commercial rate of rent from the property of $12,000 per month. If Kellie’s SMSF had entered into an LRBA on arm’s length terms, it would be expected that repayments of principal and interest would have occurred on a monthly basis and interest would be charged on the LRBA at a commercial rate. The loan to market value ratio would have also not exceeded commercial levels. For the purposes of subsection 295-550(1), the scheme involves the SMSF entering into the LRBA with Kellie, complying with the terms of the LRBA, purchasing the commercial property, and deriving the rental income. The terms of the LRBA constitute a non-arm’s length dealing between the SMSF and Kellie, which resulted in the SMSF incurring expenditure in gaining or producing rental income that was less than would otherwise be expected if those parties were dealing with each other at arm’s length in relation to the scheme.

The rental income derived from the commercial property by the SMSF for all income years is therefore NALI, regardless of whether the LRBA is subsequently refinanced on arm’s length terms. The non-arm’s length expenditure incurred under the LRBA will also result in any capital gain that might arise from a subsequent CGT event happening in relation to the property (such as disposal of the property) being NALI. This will be the case regardless of whether the LRBA is subsequently refinanced on arm’s length terms. [Source:https://www.ato.gov.au/law/ view/pdf/pbr/lcr2021-002.pdf] It is crucial for trustees to make sure that all transactions are always performed at arm’s length. If you believe that a transaction might not have been dealt with at arm’s length, we would strongly suggest you speak to your accountant before the end of this financial year to see if there is a way to rewind the transaction and record it correctly and the appropriate paperwork is in place substantiating the matter accordingly.

It is crucial for trustees to make sure that all transactions are always performed at arm’s length. If you believe that a transaction might not have been dealt with at arm’s length, we would strongly suggest you speak to your accountant before the end of this financial year to see if there is a way to rewind the transaction and record it correctly and the appropriate paperwork is in place substantiating the matter accordingly. 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

WARREN STRYBOSCH Find Group 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.

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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RESILIENCE COACH By Sally Higoe

Ever think about your fitness? Chances are you do... in some way or another. But I’m guessing, that when you think of ‘being fit’, you think physically. I’ll even go so far as to say that your awareness and focus around being ‘emotionally fit’ is not even a thought...? How’d I go, is that true? Fitness. There’s physical and there’s emotional.

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These traits, this ability to be emotionally fit, shows through an increased knowledge of who you are. You are also low in drama and know when and how to language your truth. You’re open to others; show more compassion, and every day you move closer to being in complete alignment with your values.

An emotionally fit person ‘feels’ good And it’s a wonderful place to lead from. It brings objectivity. It brings the ability to adjust, even lean-in to, uncertainty.

Emotional Fitness is based on the relationship you have with yourself, and it can be measured by the quality of your relationship with uncertainty...

Leaning-in will make it easier to feel inspired and creative; to see opportunity in new experiences, in an uncertain world, in a workplace that’s filled with change.

The more emotionally fit you are, the greater your ability to handle ‘hard’ moments better...because you can see things more accurately.

For some people, when they are surrounded by uncertainty, they fill their world with comfort...

You’re not clouded by mistrust, rigid rules, swayed perspective, lack of boundaries... Instead... * you are flexible in your thinking more ‘fascinated’ than offended * you see things more clearly * you trust yourself and * you have self-respect

Anything that makes them feel safe, secure and reduces never-ending internal questioning. Another word for comfort is certainty. So, there is a big possibility that you and/ or your team have overcompensated with comfort and certainty in your worlds

Comfort clouds; • outside the box thinking • the yearning to feel challenged and • the desire to create. Staying in your comfort zone, allowing this kind of thinking and feelings to foster in your workplace will surely be stifling and choking your bottom-line results. It’s time to encourage greatness! It’s time to get comfortable being uncomfortable! Let’s bring back that team spark! …let’s move towards the state of becoming emotionally fit. Here’s some easy steps that you and your team can follow; 1. to stimulate originality and expression 2. to go back to basics and 3. to EMBRACE THE UNCERTAINTY of this new world we live in! 1. HAVE A GO! – Say Yes and then work out how. The key is to make up your mind quickly and change it slowly. When you say YES, it confirms you’re worth it. You will then back yourself to figure out the rest. This way you’ll consistently discover that you’ve got more to give, and you have yet another level within. 2. TRUST YOUR SENSES Doing this effectively will form a belief within yourself that you can draw on at times of uncertainty - this will carry you

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through. By believing in yourself and trusting your senses, you’re more likely to give it a go in the areas that you may not think you know so well.

Through striving forward and giving it a go, we discover where we struggle and where the gaps are for us to move forward.

DO ONE THING EVERY DAY TO GET YOU OUT OF YOUR COMFORT ZONE Could be as simple as speaking to someone you wouldn’t usually, going down a slide at the park (with or without the kids!), go bare foot on a trail walk.

Please get in touch if you’re keen to know more on how to become emotionally fit and how to bring this into your personal and/or business world.

“Fantastic, I now know what I have to learn and where to progress”

Much of these learnings attributed to Joe Pane and the current Emotional Fitness Formula Program that I am enrolled in

4. DO THE LESS PREDICTABLE THING Not to shock others, but to surprise yourself. This will build your inner trust.

If you were to instil this importance into your business values, you’ll see a team that grows together and a business future that will certainly look brighter.

CHOOSE A MORE POSITIVE ATTITUDE AND LOOSEN UP –

“I have no idea how to do this, yet I’m going to have a good ole crack at it and work out where I suck”.

The most important journey one can take is the journey of self-discovery.

Commit to building a resilient team that promotes individual greatness yet moves together seamlessly as one… this is where the magic happens.

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 & DEVELOPMENT

BUSINESS GAP ANALYSIS

TEAM COACHING & DEVELOPMENT

IN-HOUSE & ONLINE TRAINING

BEHAVIOURAL PROFILING

WORKSHOPS/WEBINARS

0490 388 017

sally@team-resilience.com.au

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SALLY HIGOE Leadership coaching that connects your team and drives results

Resilience Coach Team Resilience Method

Inflation on the Rise – Prepare for Interest Rate Rises

By Warren Strybosch

In February the RBA indicated it could see an inflation rate up 3 ¼ % in mid 2022, though Westpac forecast an inflation rate of 5% in their 14th March forecast. With inflation on the rise, the market is now expecting interest rates to start moving also. If you have a mortgage or investment loan, it might be time to consider speaking with a mortgage broker about a fixed rate loan. We would encourage you to speak the mortgage broker supporting this community paper – you can find their details on page 2 under columnist or at the end of their article. APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

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By saving fuel, you’ll pay LESS tax

Beat Rising Fuel Prices with a Novated Lease SALARY PACKAGING SERVICES By Dan Nicholls

Millions of Australian drivers got a shock recently at the fuel pump when fuel hit $2.00 (or more) a litre. The price of fuel here is affected by global markets, and due to events unfolding in Russia and Ukraine, prices around the world have become a pain point for drivers. Given most of the population is returning to offices post-pandemic, the price rise is hitting commuters hard. The effects of such increases don’t stop at the pump though, with family budgets being overly stung at a time when the cost of living is severely increasing. So what is the solution? Even though the world is gradually shifting to hybrid and electric vehicles, fuel is still an essential part of daily living for drivers. What you may not know is that a novated lease will not only reduce your fuel costs but save on a whole host of other expenses as well. How do you pay less for fuel? Imagine that every time you fill up, you get a discount. This is the beauty of a novated lease. This is a type of arrangement where your car lease and running costs are paid via your employer. Because the repayments are made using your pre-tax (and possibly some of your post-tax) salary, you won’t pay tax on your everyday car costs, including fuel. It’s not hard to set up either. Simply talk to your friendly salary packaging provider to start looking at vehicle options. How much will you save on fuel? While everyone else is trying to make the most of the last few drops in the tank, you can pull into the fuel station with

Yes, you read that right. Not only will you be saving a bundle on keeping your fuel tank topped up, but a novated lease will help you to pay less tax on every pay cycle. Because your novated lease deductions are from your pre-tax salary, you are only taxed on your remaining taxable income. As your take-home pay is slightly less after your deduction, your tax payable amount is reduced. Check out our novated lease page to find out more. Switch to an EVP on a novated lease

confidence. The savings will vary slightly depending on your income, but generally, you can expect to save about 30% every time you fill-up. This makes a significant difference to your home budget, especially when fuel prices hit the roof. Not only can you top-up without worrying about the fluctuating number on that LED sign, but you can also use your issued fuel card wherever you choose. This gives you a discounted fuel capability in the palm of your hand. You can also claim fuel costs later if for some reason you don’t have your fuel card handy. Anything you don’t spend out of your fuel allowance will also be credited back to you, so don’t worry if you suddenly find yourself working from home again without the need for regular fuel. The fuel savings add up

If you’re looking to avoid the fuel pump altogether by switching to an electric vehicle, but have been delaying your purchase due to price, a novated lease can set you up with a new EVP for less. As long as the vehicle you choose is less than 10 years old at the end of the lease term, you can opt for the latest electric or hybrid vehicles. Yes, that includes Teslas. Your novated lease will not only save you money on costs like registration, insurance and servicing, but you won’t pay GST on the purchase. It’s the smartest way to get a new car and avoid rising fuel costs in the long run. 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.

Obviously, fuel prices fluctuate from day to day, but with a novated lease, you’ll save no matter which day of the week you fill-up. Here are some examples of how much you’ll save at the pump weekly and monthly.

WHAT YOU’LL SAVE ON FUEL $1.80 per litre

$2.01 per litre

Average tank size 50 litres Normal cost to fill tank $90.00

Average tank size 50 litres Normal cost to fill tank 100.50

Novated lease cost $1.26 per litre

Novated lease cost $1.40 per litre

Novated lease cost to fill tank $63.00 Savings per week $27.00

Novated lease cost to fill tank $70.35 Savings per week $30.15

Savings per month $108

Savings per month $120.60

Savings based on recent Victorian regular unleaded petrol pricing, $80,000 salary and assumes fuel budget in a novated lease arrangement. The calculated amounts are a guide only and should not be considered as accurate when deciding if a novated lease is suitable to your circumstances.

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FAMILY LAW PROPERTY SETTLEMENT – WHAT IS THE PROCESS? LAWYERS By John Van Beveren

Sometimes separation or divorce is amicable, and the parties agree on the division of assets quickly. Often the parties cannot agree.

Once correspondence has begun between the parties, an agreement can be worked towards. If the agreement is consistent with the law and is just and equitable taking into account other factors. Then it may be drafted by a lawyer to make sure it is legally binding. Is Court Inevitable?

Working out the asset pool after separation can be complex and the parties may feel unsure of what they are entitled to or feel that the split is not fair. Either way, getting the right legal advice from a property settlement lawyer is crucial to getting the best result and know what the entitlements are.

Most cases can resolve without legal proceedings by being able to go through mediation or negotiations.

What if you agree on your property settlement between yourselves?

The other reason matters go to court is when one party refuses to engage constructively. Legal proceedings will then have the effect of requiring the other party to engage properly in the settlement discussions.

If you agree on how your property is to be divided with your former partner, it is important that the parties enter into either a binding financial agreement or obtain consent orders from the court. A binding financial agreement (also known as a “BFA”) is an agreement which covers the division of property, including superannuation and, if required spousal maintenance. TThis is a very effective method of formalising how the parties divide the assets and saves time and money by avoiding lengthy court processes. BFAs require each party to obtain independent legal advice for it to be legally binding. Consent orders from the Court require evidence put before the court for it to determine that the order is just and equitable. However, they do have a higher degree of enforceability. What if no agreement is reached on how to divide the assets? The first step is to set out your position to the other party, including what you think a fair settlement would be.

Substantial disagreement about how the asset pool should be divided is typically when the court process should be engaged.

If the matter goes to Court, the division of assets must be assessed and determined by the judge to be “just and equitable”.

2. Contributions of Each Party Both financial and non-financial contributions during the relationship are also relevant. The law acknowledges that different parties bring different amounts of money and other assets to a relationship. Contributions like looking after the family by raising children and home duties are also just as relevant as earning a higher income.

3. Future Needs Adjustments Adjustments based on future needs will also often have a significant impact on how the pool of assets will be divided. Some factors that the law considers relevant are a person’s earning capacity, age, health, who will have primary care of the children; and a person’s ability to generate an income.

4. The Order Must Be “Just and Equitable”

The 4 Legal Criteria used to determine how Assets are Divided

This is an overarching principle which will be weighed by the Court, having regard to the varying circumstances of the particular facts before it.

The criteria that will determine a party’s claim to financial assets are:

How can Van Beveren Lawyers help me?

1. Identifying the Value of the “Pool” of Assets

Our compassionate lawyers can help you understand the lenses the court may apply to your individual circumstances.

The asset pool comprises of everything that the parties own. All real estate, shares, trust assets, businesses, cars, boats, tools, jewellery, cash will form part of the asset pool. It also includes property you have obtain after seperation.

Everyone’s circumstances are unique, and our role is to assist you moving forward and helping you obtain the best outcome.

It does not matter whose name these assets are in. The Family Law Act can cut across all legal entities and capture everything in which the parties have an interest, and all the assets are scooped up into the property pool and grouped together. APRIL 2022 | FIND GEELONG

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Best Tips for Cleaning Up After Painting PAINTING & DECORATING By Steve Dahllof

The job of painting your home doesn’t finish when you stand back and admire your smooth, newly coloured walls and ceilings. There is a whole lot of stuff to do after the last brushstroke before you can celebrate your painting project being fully completed with a glass of wine or beer. What do I do with cloths, sheets and tape?

Even while you are painting, you can make your final clean-up easier and quicker by having a damp cloth handy to wipe up drips and spills straightaway. Drips on dry or non-porous surfaces can be wiped off with mineral spirits or paint thinner. Before the paint dries, remove all masking tape. This will minimise the likelihood of the new paint film lifting off with the tape. No problem if it has dried – just score the edge of the tape with a sharp knife or razor blade before removing the tape. For glass surfaces, wait until the paint is completely dry before using a knife or paint scraper. When you remove the drop cloths or sheets, fold the corners into the middle.

This prevents spills or drips from flicking onto surrounding areas. Oily rags can spontaneously combust (catch on fire) if piled up or left in a closed container or space. Not fun! You can safeguard against this by immersing oily rags in an open container filled with water or drying them before putting in the washing machine. How do I clean paintbrushes? There are few things more tedious than getting your brushes, rollers, edgers, scrapers and paint trays out for a new job and discovering that you didn’t clean them after your last one. When you’ve finished painting, clean whatever equipment you used immediately so that paint doesn’t dry permanently on them, and dry them thoroughly to prevent rust. If you used latex paints, you will need warm soapy water; oil paints need turps, mineral spirits or paint thinner. Don’t soak brushes in solvent or water as this can damage the bristles. Pour the soapy water or solvent into a container and dip the paintbrush into the solution. Work it through the brush bristles, dipping up and down in the container several times. Spin the paint brush in a waste area to remove excess water or thinner and then repeat process with a clean container and clean water or thinner.

A useful tip is to use one set of synthetic painting tools for oil-based products and another set for water-based products. It is much easier to clean the paint brushes if you don’t switch back and forth between the two types of bases. A paintbrush comb is one of the best ways to clean a paint brush. It cleans through the centre of the brush and removes any residue near the ferrule’s edge. Paint residue left in the brush hardens, causing the bristles to ‘set’, which makes them lose their bend recovery. Once clean, use the paintbrush comb to straighten the bristles or filaments. Reshape the paint brush to its original shape and lay flat to dry. What about rollers and trays? For rollers, disassemble and rinse with warm water, add detergent and work it into a lather to remove the paint. Air dry it standing upright to avoid crushing the fibres. For solvent-based paint, pour the solvent into the paint tray, circulate it through the roller and let it soak for a few minutes. Squeeze the excess solvent out of the roller and repeat the process with new solvent until it’s clean. Pour unused paint from your tray back into the tin, providing it’s not contaminated by insects or dirt. Run water over your paint tray, use a scrubbing brush to remove the rest of the paint and dry the tray off with an old cloth. Discard tray liners when dry. After using the appropriate cleaner on your hands, wash them with soap and water. Of course, to save time and effort, you could hire a professional painter who will do all this for you!

For more painting advice on cleaning up after painting, 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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FINANCE BROKER By Allan Houliston

The official data confirms what you might have heard anecdotally – property investors are extremely active within the Australian property market right now. Property investors took out $33.7 billion of home loans in January, according to the Australian Bureau of Statistics, marking the second consecutive month in which investors set a borrowing record.

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To illustrate how investment activity has surged in recent times, investors borrowed 67.8% more in January than the year before. This increase has occurred throughout the country, with investment activity increasing by:

• •

•

That means most property investors are finding it easy to secure quality tenants. It also gives many investors the chance to raise rents, because demand for rental accommodation is so high right now.

• • • • •

Queensland = up 94% over the year to January South Australia = 81% Victoria = 67% New South Wales = 64% Western Australia = 56% ACT = 42%

Northern Territory = 33% Tasmania = 32%

Australia’s vacancy rate (the share of untenanted rental properties) is at an incredibly low 1.1%, according to the latest data from Domain.

If you are interested in finding out your borrowing capacity in regards to purchasing an investment property, then please contact me for an initial discussion. Depending on your available equity, the finance can be arranged to cover all associated costs including government fees and set up costs and we can set up a deposit bond, which replaces the need for a cash deposit.

Allan Houliston FINANCE BROKER Aisling Financial 0405 140 003 www.aislingfinancial.com.au

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Reignite Your Passion BUSINESS COACH By Deb Fribbins

Is your passion as strong as it was when you started your business? What is your Vision for your future? Where do you see yourself in 1, 3, 5, 10 years’ time? Why are you in business?

For those of us who have been in business a number of years, we sometimes loose our mojo. We forget why we started our business in the first place. Especially after any major uncontrollable events such as we have experienced over the last few years. To look towards a future with passion, longevity, and scalability, now more than ever we need to think outside the square. The most successful businesses over the years are those that have been able to adapt to consumers’ needs. Not what they want to sell. Spending patterns have changed, needs have changed. Consumers are looking for that which they do not have, to make their lives easier, both at work and home. One of the most successful companies in the world right now is Zoom. Most people did not need zoom 2 years ago but now almost all service providers and offices use it continuously. Many families use it to keep in touch with friends and family members around the world. Kodak used to be one of the biggest companies in the US today they only sell products that relate to the print market as they did not move with the times into the digital sphere. Your purpose does not change. Your direction may change, the product mix you sell will change over time, but your purpose rarely ever changes. Every one of us has their own passion and purpose for starting a business.

Did you go into business to:• • • • •

•

• •

Leave a legacy for your family? Build a nest egg for your retirement expeditions? Increase your assets for early retirement? Want to be your own boss? Want to work your hours around family commitment?

Set up a business that will allow you to travel and still run your business in online? Support others in the community? Give back in any way you can?

Whatever your purpose was, do you still feel the same passion for your business today.

Reinvigorate that passion in your business through increased Sales, Profits, customer traffic and basket size. Your consumers have been locked up for so long they are looking for excuses to get out and to buy what they do not have or need to replace. Whether you sell physical products or a services, the action plans are essentially the same. Create theatre and excitement with your goods through the selling process. Be creative with the presentation of the products. Change your marketing message. Technology is moving everything so fast the need is for new and different moves with that speed. They do not necessarily wan to replace what they had they want an updated better model. What are you doing differently compared to two years ago? What are your differentiators to your competitors? How are you displaying your goods in an innovative way that creates interest with your current consumers and attracting

new ones. With the number of businesses that have sadly closed their doors that is good for those that have been able to stand the test of time. Be creative with the products as well as the marketing. Through the internet, most consumers today are savvier about the products that are available and can read through a “marketing sell”. Research the market, check out your competitors what are they doing. Do not be a “me too” know your competitors so you can do things differently. Be authentic, be genuine, be up to date with trends. There is every opportunity for growth if we work towards one key goal our consumers WIIFM. What motivates your consumer? What do they need to make their life better? Their experience with you both in store and online is just as important as the products or service they buy. Our consumers are the backbone of our business. Look after them by making their life easy and responding to their needs. If you are not sure how to action this in your business, seek help through a mentor whom you can bounce your ideas off, and work through a plan to achieve the results you are looking for. My Passion is to help small business owners to achieve their goals one business at a time. Bring me your passion and I will assist you to turn it into increased sales, profit, traffic and basket size. https:// developingexcellenceinbusiness.com. au/contact-us/ Reignite your passion in your business and your consumers will come with you.

Deb Fribbins Developing Excellence in Business 400 524 451 deb@debconsulting.com.au

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APRIL 2022 | FIND GEELONG

Tax Invoice

- what is it and why is it important to get it right

Example 1: Tax invoice for a sale under $1,000

BOOKKEEPER By Mary-Clare Switz

In my practice I regularly see invoices, both purchase and sales, that do not meet the ATO requirements. Often, we have to go back to suppliers and ask for a complaint Tax Invoice to be issued before a bill is approved to be paid. The reasons for not providing a compliant document are varied including simply not knowing what to do, not knowing how to set up the software to produce one, and at the other end of the scale, sellers not having a registered ABN, sellers providing a piece of paper with no intention of reporting income. When a business buys a product or service for $82.50 (GST inclusive) or more, they need to have a ‘Tax Invoice’ to be able to claim the GST portion of the purchase. Note that a business who is not registered for GST because their annual turnover is less than $75,000 can only issue a standard “Invoice” and would include conditions 2, 3 4, 5 & 8 below. Tax Invoices can be paper or in digital format such as an emailed PDF or it can be issued via e-invoicing. The requirements of what is included on a Tax Invoice are broken into two categories:

Example 2: Tax invoice for a sale of more than $1,000

Sales under $1,000 – must include enough information to determine the following 7 pieces of information: 1.

Document is intended to be a tax invoice

Seller’s identity

Seller’s ABN (Australian Business Number) Date the invoice was issued

4. 5.

Brief description of the items sold, including the quantity if relevant and the price

GST amount payable … either the total GST on the invoice or if all items on the invoice have GST and the total GST is 1/11th of the total on the invoice, you may include a statement that says ‘Total price includes GST’

Extent to which each sale on the invoice is a taxable sale

Sales $1,000 or more – must include all of the conditions above, plus: 8.

Since we are talking about Invoices in general … I advise my clients that your Sales invoice (be it a standard or tax invoice) is an opportunity to market your business. Include on your invoice: •

Your business logo

•

Style your invoice to reflect your business (this is really important for creatives)

•

Your contact details (especially email address so remittances can be sent to you)

•

Your social links if you have any

•

Your how to pay details including bank information and other merchant gateways (bottom line is to make it easy for clients to pay you!)

•

Do NOT send an invoice in word or excel – ever

The state of your standard or tax invoice reflects on you and your business. Get it right and you look good!!

The Buyer’s identity or ABN

If you need assistance with ensuring your invoices are compliant, contact your BAS or Tax Agent for advice.

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

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Emotional Connections are Built through Branding and Signage estate offices, dry cleaners, shopping centers, convenience stores, and countless other varied corporations.

SIGNWRITER By Tim Knott

•

Sixty-four percent of consumers build relationships with brands based on shared values. We have gathered some tips on how to improve your branding and communicate your company’s brand values with indoor and outdoor signage. Properly branding your company means clearly explaining your purpose, goals and the unique qualities that set your brand apart from your competition. Emotionally connecting to your target audience is also an important component of branding, as well as creating customer loyalty. Branding your company properly comes down to communicating information regarding your products and services well and consistently. One way to accomplish this is by incorporating outdoor and indoor signage. Outdoor Signage Outdoor signage is crucial to the success of branding of any business. Whether it be creating street visibility or informing passers-by of products and services, outdoor signs are designed to establish brand recognition and credibility for countless industries: restaurants, auto repair shops, property management companies, banks, beauty salons, real

Strengthen your corporate identity and vastly improve your company’s exposure with the professional presence of a building sign or an engraved sign.

•

A monument sign is a perfect solution when you are looking to attract passing motorists. They are made using quality materials making them resistant to termites, moisture, and up to 180mph winds.

•

Does your company offer delivery? We can design and create your company’s car top signs, magnetic signs or vehicle wraps for signage on the go.

•

Attract attention day or night with a custom made illuminated sign, neon letters or channel letters.

Our experts are able to create outdoor signage options that will not only make your business stand out from the rest but will ensure that they comply with all local and state ordinances, making branding your company easy and successful.

successful branding. Informing customers of products and services at the point of sale is crucial, and something business owners should not take lightly. •

Promote specials, products and upcoming events with free standing banner stands, or utilize durable fabric banners.

•

Digital menu boards are a perfect indoor signage solution for restaurants, cafés or bars who want to be able to update their menu options and make featured products stand out to patrons.

•

Don’t waste any opportunity to utilize space creatively. We can help with our custom-made floor mats and floor decals featuring your logo and colors.

Showcasing your business professionally and communicating your brand values is easy to do with the help of the sign experts at Signarama. We offer our clients unlimited custom designs from our large variety of finishes, colors, textures and sizes, and can even design them to match any building style or color.

Indoor Signage Indoor signage is just as important as outdoor signage when it comes to

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

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APRIL 2022 | FIND GEELONG

Embroidery Isn’t the Only Option for Garment Customization! EMBROIDERY SPECIALIST By Kerry Kaspi

Although embroidery is the most versatile option for getting your logo on your garments, there are a wide range of alternative garment customization options available to suit your business. Some Decoration Options: A detailed crest or logo on a knitted, woolen school jumper? In this case vinyl and/or printing won’t be suitable because of the high stretch and the irregular surface. Embroidery provides a high-quality finish that looks terrific and professional which will outlast the garment. A large decoration on a low quality, white cotton t-shirt for promotional fun run? Promotional t-shirts are usually made for short term use so longevity is not of high importance. Therefore, a high-quality long-lasting method of decoration may be too costly. A vinyl sublimation print provides for a great way of displaying all the necessary information as well as lasting the duration of the t-shirt within budget constraints. Large lettering on the back of a Hi Vis Garment? Embroidery could be sow and can result in puckering on extremely thin vests whereas dye sublimation will be fast, flat and long lasting. It looks great, can print very detailed single colour designs, allows the garment to breath as well as being virtually indestructible.

Decoration Methods: Embroidery • High quality look • Detailed logos • Outlasts the garment • Any fabric • Different products ie hats, beanies, bags, pillows • High wash fastness with polyester thread • Fixed colour range • Thread colour not affected by fabric colour • Logo quality depends upon skill of digitizer, quality of machine, backing, thread etc.

• • • •

Colours look very vibrant and bold on most materials Long lasting More colours the more expensive it is Perfect for simple designs

If you’re unsure of which option would suit you, follow our contact details and we will be able to advise you.

Dye Sublimation • Quick and easy to apply • Single colour to full colour photographic quality • Useable only on high polyester content fabrics • Use only on white/ light-coloured products • High print quality depending on density of material • Very often used on hi visibility vests with black text on the rear Vinyl Sublimation • Can be used on most types of fabric • Fabric colour does not affect print colour • Can’t be washed in warm water • Low quantity is quite expensive however high quantity is very cost efficient • Colours are vibrant no matter the fabric

Kerry Kaspi

Screenprinting • High setup costs per colour • Larger quantities are very cost efficient, not suitable for small quantities

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

FIND GEELONG | APRIL 2022

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Is it possible that your stress is impacting your immune system? NATUROPATH By Kathryn Messenger

The last two years have certainly been a challenge for most of us. Whilst some people have enjoyed more time to themselves and cutting out the commute time for work during lockdowns, others have found themselves juggling work with home-schooling, lonely without social interaction, or afraid of the effects of the virus. What does stress do? The autonomic nervous system controls digestion, heart rate, and blood pressure, and stress plays a major role in how these functions work. It consists of two opposing modes of operation: the sympathetic and the parasympathetic nervous systems. You have likely heard of the sympathetic nervous system, the “flight or fight” response, where cortisol production is increased in the adrenal glands. For a short-term situation, this is helpful as it gives you the energy required to deal with the stress and promotes resilience to stress in the future. One example of this is the stress of regular moderate exercise, which has been found to improve and protect the immune system. But long-term stress is where the problem lies. It dysregulates both the innate and adaptive immune responses. The innate immune system is a generalised first-line of defence against disease. The adaptive immune system recognises diseases previously fought and specialises defences. Long-term circulation of cortisol increases inflammation through the body and causes tissue breakdown leading to lowered immunity. Both inflammatory and infective disease is increased with long-term life stress.

How can I reduce stress? The parasympathetic nervous system, “rest and digest”, opposes the sympathetic nervous system, and what’s great about the autonomic nervous system is that you can have control over it. Just 10 minutes a few times a day of slow breathing exercises can increase the time your body spends in the rest and digest mode, reducing cortisol and improving your immune system. As mentioned earlier, regular exercise also helps, along with doing things you enjoy: creative activities, time with friends, time in nature, listening to music or any other activity that brings you joy.

Mix equal parts of each herb and store in an airtight container. 1 teaspoon of tea infused in 1 cup of boiling water. Let it steep until it has cooled enough to drink. Remove the infuser and enjoy. 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.

YEP tea YEP (yarrow, elder, and peppermint) tea has been used traditionally to both strengthen the immune system and in times of infection. Yarrow is antiinflammatory and relaxing, elder is high in vitamin C and can reduce mucous, peppermint is also relaxing and will reduce mucous. You can use either elder berries or flowers, but I prefer the berries. You can buy these at a health food shop or organic shop.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

Herbal medicine and nutritional medicine offer natural options for increasing resistance to stress, relaxing the nervous system, and regulating the immune system. A naturopath can make a custom mix of herbs to best treat your unique symptoms.

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APRIL 2022 | FIND GEELONG

Super and Tax Thresholds for 2022/23 Released FINANCIAL PLANNING By Warren Strybosch

Super contributions caps: Type of Contribution

Cap 22/23

Concessional Contributions

$27,500

Non-concessional Contributions

$110,000

Non-concessional Contributions – Bring Forward Option

Description Employer contributions (including SG and salary sacrifice) and personal contributions where tax deduction claimed. Personal contributions where no income tax deduction claimed – available if total super balance < $1.7 million. Available where person is under 75 at 1 July in year of contribution. This is the maximum amount over a

$330,000

General transfer balance cap

$1,700,000

Low Rate Cap

$230,000

Untaxed Plan Cap

$1,650,000

CGT Cap

$1,650,000

3 year period and is subject to total super balance.

Maximum amount that can be converted to retirement income streams where tax on earnings is zero.

Taxable component (taxed element) that can be withdrawn from super tax-free between preservation age and 60. Previously known as Post 83 “tax-free” or low rate threshold. This threshold limits the concessional tax treatment of benefits from an untaxed fund that has not been subject to contributions tax. Lifetime limit where small business CGT concessions applied.

ETPs cannot be rolled over to superannuation.

Employment Termination Payments (ETP): The ETP cap amount for 2022/23 is $230,000. Therefore, the following rates will apply in the 2022/23 financial year: Age at 30 June

Less than preservation age

Preservation age or over

Amount

Tax Rate *

Below $230,000

30%

Above $230,000

45%

Below $230,000

15%

Above $230,000

45%

* Excluding Medicare Levy of 2% ETP Includes

ETP Excludes

Amounts for unused rostered

A payment for unused annual

days off

leave

Amounts in lieu of notice

A payment for unused long service leave

A gratuity or “golden handshake”

An employee’s invalidity payment (for permanent disability other than compensation for personal injury) Certain payments after the death of an employee Excess over tax-free portion of

The tax-free part of genuine redundancy payment or early retirement scheme for those under pension age.

Genuine Redundancy: The tax-free portion of a genuine redundancy or approved early retirement scheme for 2022/23 is $11,591 plus $5,797 for every completed year of service.

Superannuation Guarantee Contribution Rates: The superannuation guarantee contribution rate is legislated to increase to 10.5% from 1 July 2022. The maximum SG contributions base will be $60,220 per quarter or $240,880 per annum. Employers are not required to pay SG contributions on amounts over this threshold. Government Co-contributions: The maximum Government co-contribution amount of $500 is available where income is less than $42,016. The higher threshold above which the co-contribution will not be paid is $57,016. Low Income Super Tax Offset: The Low Income Superannuation Tax Offset income threshold is $37,000 and is not indexed. Tax on Superannuation Withdrawals (2022/23): Component

Tax Treatment

Tax-free

Tax Free

Taxable - taxed element

Under preservation: 20% plus Medicare Preservation to 59: First $230,000 tax free and balance at 15% plus Medicare 60 and over: Tax free

Taxable - untaxed element

Under preservation: First $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare Preservation to 59: First $230,000 at 15% plus Medicare, $230,000 - $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare 60 and over: First $1,650,000 at 15% plus Medicare and balance at 45% plus Medicare

genuine redundancy

APRIL 2022 | FIND GEELONG

2022 TA 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)

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

AX UPDATES 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.

ATO scrutiny of family trust arrangements On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and

Announcement(23-Feb-2022)

include significant attention to an important carve out for dealings that are “ordinary family or commercial”

Consultation period(8-Apr-2022)

dealings. These dealings are excluded from the anti-avoidance provisions. Trustees need to make sure that

Released

their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year.

Potential end for Div 7A and sub-trust arrangements A draft determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). The assumed provision of financial accommodation in practice means that sub-trust arrangements will have no benefit when it comes to deferral of tax or repayments of loans. When finalised, the determination will apply from 1 July 2022. A

Announcement(23-Feb-2022) Consultation period(8-Apr-2022) Released

consultation period ends on 8 April 2022 and stakeholders are encouraged to have their say with the ATO.

Tasmania COVID-19 stimulus package The Tasmanian Government has extended payroll tax relief for businesses who employ apprentices, trainees or a person under 25 years of age. Previously, the relief from payroll tax was due to end on 30 June 2022, but this will be extended for 2 years to 30 June 2024. Further, support packages continue to be available to assist micro and small businesses that are impacted by lockdowns and restrictions. COVID-19 Business Impact Support Program Round 3 has been announced and grants of up to $10,000 are available. To be eligible, a business will need to have turnover under $10 million and be able to demonstrate a 30% reduction in

Announced: 20-Mar-2020 Updated: 15-Mar-2022

turnover as a direct result of lockdowns and restrictions. Applications for the grant open 16 March 2022 and will close on 5 April 2022.

Intangible assets depreciation changes proposed New legislation has entered parliament that deals with intangible asset depreciation. The amending legislation comes after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced(9-Feb-2022)

depreciation rates. If the proposal passes through the legislative process, self-assessed intangible asset

Passed

depreciation will begin for assets first held on or after 1 July 2023.

Royal Assent Date of effect

APRIL 2022 | FIND GEELONG

Are you an 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-Profit of the Month

“Healthy Pets - Happy People - Connected Communities” Cherished Pets is a unique veterinary social enterprise established in 2015 in the Geelong region by veterinarian Dr Alicia Kennedy to support companion pet ownership of vulnerable people and to support pets and their people through all life stages, including vulnerable times. Being the first veterinary practice in the world to become BCorp certified, the Cherished Pets organisation encompasses two entities to assist the needs of vulnerable people and their furry friends. The Cherished Pets Community Veterinary Care is a social benefit company that offers a unique bond-centred veterinary service through the community pet hub in Ocean Grove. The veterinary team focus on building a connection with their clients and their pets so that they understand best the needs and can ensure ongoing health care of their pet. In the event of serious illness and conditions requiring surgery or hospitalization they help construct a plan through their network of veterinary and animal health professionals and provide ongoing support. They offer a compassionate home euthanasia service which was developed with a whole heart and commitment to ensuring a pet can leave this life in the comfort of a familiar environment, in the company of family (if this is desired) and without stress or pain. “Death is a part of our lives at Cherished Pets. And we’re ok with that. It is actually a part of our purpose to support pets and people through end of life” says Dr. Kennedy. “Through our end of pet life service we provide home based guidance and care to people whose pets are in their final life phases. Whether it be a terminal illness or disorders of old age, our quality-of-life assessments enable us to create dedicated home-based pet care plans to ensure pets are comfortable and pain free through these final days, weeks, and months. We offer home hospice pet care and help people prepare for a pet’s passing.” The Cherished Pets Foundation enables support for our more vulnerable community members to keep their pets healthy, well and together with them through all life phases. including in times of crisis. They believe in the power of pets to help people maintain their independence, health and wellbeing and provide support so best friends can stay together. The Foundation supports high quality, in-home, pet care assistance for elderly and disabled pet owners living independently. They advocate for the vital role pets play in our health and wellbeing, particularly for senior citizens. The isolation felt by senior, disabled and vulnerable community members is alleviated by the companionship of a pet. Australia is a nation of pet lovers and as our population ages the need for community pet care services will grow. Supporting and promoting pet ownership for older and disabled people will help build connected and age-friendly communities for the future. We all need a best friend, however in some cases the ability of people to adequately care for their pets is compromised, not through a lack of love, but through a lack of capacity. So many animals sadly end up in animal shelters not because their owners don’t want them, but because they can’t care for them through no fault of their own.

April 2022

The Cherished Pet Foundation is there to support those in need in order to ensure their best friend stays by their side in times of need. They can help and keep these beloved companions together through their unique social veterinary foundation. Their team of community pet care volunteers support companion pet care so that pet owners can enjoy the benefits without the worry. They help with daily pet care tasks such as Pet feeding, Dog walking, Brushing, and washing pets, cleaning up pet waste, transporting pets to the vet, administering flea and worm treatment, in home pet respite care and approved boarding kennel stays. Their multi-disciplinary team of veterinary professionals and veterinary social workers provide pet health, wellness and behaviour assessments and plans, peace of mind consultations and case management. As well as emergency planning services to ensure pets are cared for if their owner is hospitalised, moves into an aged or disability care facility or passes away. How you can help You can help by generously donating to the Regular Giving program on a regular monthly basis, so that best friends can stay together and more people in crisis can keep their pets by their side. Its quick, safe, and rewarding. Donations are 100% tax deductible.

How your Regular Gift can help: • • • •

$5 can work and vaccinate a dog of an elderly pensioner $10 a dog can visit a boarding kennel whilst a family seeks safety from domestic violence $15 covers the cost of a community vet home visit to ensure a pet is kept healthy $20 can support the pet of a vulnerable community member for a year so they can stay together

For more information about the Regular Giving program, go to www.chuffed.org/project/help-keep-them-together or contact foundation@cheirshedpetcare.com

FIND GEELONG | APRIL 2022

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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.

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APRIL 2022 | FIND GEELONG

The School of Hard Knocks I read an account recently of how a baby giraffe is born. Amazing! It goes something like this: The front hooves and head emerge first, then the entire calf appears and tumbles three metres to the ground, falling on its back. Within seconds the baby rolls over and stands, struggling to move those gangly untried legs. Then something amazing happens. The mother giraffe stands over her newborn calf and kicks it, sending it sprawling. If it doesn’t get up she kicks it again. Then once the calf is standing up, sometimes the mother deliberately knocks it over again – all to teach the baby giraffe how to stand strong enough and able to run with the herd for survival. What is the correlation for us? I must clarify I’m not advocating any sort of kicking or knocking over of our children – far from it. But it’s during hard and difficult times that we grow. We don’t like it but we learn from these times and character is developed. The mark of a successful person is their ability to see problems as opportunities instead of obstacles – to face issues with a positive mind set, calmly and with resolve – facing up to the difficulty and working through it for the good of everyone. Sometimes help from outside is needed, so please seek support where necessary. I was chatting with a student this week who was in tears, having faced up to the silly thing they had done. I congratulated them on owning up fully to their action. I encouraged them to learn from their mistake and to follow the process that was ahead with a positive mindset. The student left my office with a resolve to face what was ahead as best they could. A good example of pushing through in the hard times. All the best everyone, Kindest regards, Rob. LPS Chaplain Robert.Hunter@education.vic.gov.au

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

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WALK YOUR WAY for the dogs at GAWS this April Join The Great Dog Walk Challenge and help raise funds for the Geelong Animal Welfare Society to provide care and essentials tonow theatdogs in our shelter. Register or donate www.dogwalkchallenge.org.au

High Tea The Geelong Region Cancerians work tirelessly towards raising awareness of the signs and symptoms of Uterine cancer and Raise funds for research into all cancers. Founded by Phillipa Challis OAM, herself a cancer survivor. The GRC holds information sessions about uterine cancer. We hold fund raising activities throughout the year with all funds going back to the Australian Cancer Research Foundation (ACRF). It can be difficult sometimes to get around to see Mothers, Mothers in law and celebrate for ourselves as mothers or our wives, on mother’s day. We would love to honour these amazing women in our lives at a Hi Tea. The GRC is making life simpler for you by holding a Mother’s Day Hi Tea. Date: Place: Time: Book:

Sunday May 1st 2022 Sandstone Café ,284 Torquay Rd, Grovedale, 3216 3 pm https://www.trybooking.com/BYMZC

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Laughter Club Geelong is now offering a laughter session via Zoom for people to gain a happier, healthier and more joyful life. Tuesday each week at 8:00am a laughter session is conducted over Zoom for 30 minutes. People wanting to join in the fun filled series of laughs from the comfort of their own home are welcome. To get the link send an email to phillipa@livelifelaughing.com.au

The Zoom laughter session is in addition to the regular weekly 30 minutes free laughter session offered at 9:00am on a Saturday morning at Eastern Beach in front of the swimming enclosure. Please would you share this with a view to putting more laughter into the Geelong community.

Thank you Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findgeelong.com.au/nfp-free-advertising or you can email the ad to the editor@findgeelong.com.au and we will do the rest for you.

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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.

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Greater Geelong and City of Changwon Formalise Ties Councillor Trent Sullivan - Deputy Mayor “The City of Greater Geelong greatly respects Changwon City and is honoured to enter into this agreement. The Geelong region is very hopeful that this Memorandum of Understanding will bring great benefit for both regions and we believe there will be much to learn from each other. We see this is an opportunity to build a great relationship with a city that holds many similarities to ours, and that has equally high aspirations of competing on the global stage.

Greater Geelong Deputy Mayor Trent Sullivan and Mayor of South Korea’s Changwon City, Mr Huh Sungmoo have signed a Memorandum of Understanding (MOU) between the two cities at a ceremony at City Hall.

The Commonwealth has also selected HDA as one of two companies to supply Land400 tanks to the Australian Defence Force, a contract worth $27 billion over 10 years.

The MOU formalises an agreement to collaborate with Changwon City on trade, education and cultural exchanges, to promote investment and employment opportunities for the two cities.

An announcement on the tender is expected this year however Hanwha has announced that its preferred location is Geelong, which would create up to 350 jobs.

Located on South Korea’s southeast coast, Changwon City is a known industrial and manufacturing hub that is home to global manufacturers including Hanwha Corporation and its subsidiary Hanwha Defence Australia (HDA). HDA will provide the Commonwealth Government’s $1-billion Land 8116 project to build and maintain heavy artillery and ammunition resupply vehicles in Geelong. City of Greater Geelong CEO Martin Cutter joined the Deputy Mayor in welcoming a delegation from Changwon City to Geelong for the signing and exchange of gifts. Hanwha Defense Corporation CEO Jaeil Sohn, Hanwha Defense Australia’s Managing Director Richard Cho and Deakin University Genevieve Reid, Director of Research Sectorial Partnerships, Government and Industry also attended the ceremony.

The Greater Geelong Council agreed to proceed with a MOU in December last year after a request from Changwon City. The agreement will be reviewed each year to assess the benefits for both cities.

This MOU aligns with the Geelong community’s 30-year vision to be internationally recognised as a ‘clever and creative’ city with a prosperous economy, that supports jobs and education opportunities.”

Mr Huh Sungmoo - Changwon City Mayor “Although the cities are physically separated by a great distance, they share similar paths and goals. I am confident our two cities’ close cooperation will contribute to advancing smarter global society. Changwon and Geelong have taken a step forward through the signing of an international friendly city agreement, and we hope that we may continue our bilateral exchanges in trade, investment, culture and tourism.”

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New Tickets Added for Reusable Nappy Program Workshops Places are limited. Geelong residents with young children in nappies who have not yet attended can book a place online now. Councillor Trent Sullivan - Deputy Mayor This initiative is an important part of our goal to drive a more circular economy through diverting 100 per cent of residential waste from landfill by 2030.

Geelong parents are being given the opportunity to save money and help reduce their waste through the City’s new Modern Reusable Nappy Program. Additional tickets have now been made available for one more workshop after the program’s initial release of 400 places was snapped up within hours recently. Residents can sign up to learn how to use and launder reusable nappies, and then qualify to receive a modern reusable nappy pack from local supplier Evia Collective. Each pack contains a wet bag and five modern reusable nappies – roughly enough nappies for a full day of wear.

Nappies make up close to 10 percent of the overall waste we send to landfill from our red bins, and each nappy can take up to 500 years to break down. We’ve heard from many parents who are passionate about wanting to protect the environment for their children, and we’re excited to support Geelong families to give reusable nappies a go. One child uses an average of 6000 to 7000 disposable nappies, making up approximately one tonne of landfill waste over their nappywearing life, the equivalent weight of a car.

Councillor Belinda Moloney - Chair, Circular Economy portfolio This program is an exceptional winwin which removes many barriers and misconceptions about reusable nappies for parents, equipping them with the knowledge and nappies to try at home. It doesn’t have to be all or nothing – using a combination of half reusable and half disposable nappies in your routine will significantly reduce nappy costs and will halve your nappy waste, freeing up lots of room in your red bin and most importantly, will help reduce landfill.

Stacey Law - Evia Collective Modern reusable nappies have come a long way. Gone are the days of soaking and folding terry cloth squares. Reusable modern cloth nappies are simple to use, easy to launder, fit well and come in a range of fun colours and patterns to suit everyone. They are better for your wallet, your baby and the environment and we’d love more local families to try them.

Waste Collection Over the Easter Period There is no change to commercial or residential waste collection over the Easter period. Place your bins out the night before as usual. The Resource Centres at Drysdale and Geelong are only closed on Good Friday.

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Thomson Reserve Changeroom Development Modern, fit-for-purpose changeroom facilities form part of new developments at Thomson Reserve. Female friendly and accessible changerooms will ensure that Thomson Football Netball Club and Thomson Cricket Club continue to be a welcoming and inclusive place for all. The facility is designed with an operable wall with the option for creating two smaller changerooms from one larger one. The AFL-sized changeroom features full shower and toilet cubicles, along with accessible toilet and shower. Council proudly provided $150,000 towards the development while the Victorian Government contributed $500,000 through a Sport and Recreation Victoria grant for female-friendly sporting changeroom facilities. The brand new changerooms will support the club as it continues to grow its membership and will cater for a surge in women and girls taking up football and cricket.

Cr Peter Murrihy, Deputy Mayor Trent Sullivan, Cr Anthony Aitken and Cr Eddy Kontelj join Member for Geelong, Christine Couzens, and delighted members of the Thomson Football Netball Club and Thomson Cricket Club.

Deputy Mayor Trent Sullivan

Councillor Peter Murrihy

This project makes the Thomson Football Netball Club and Thomson Cricket Club a place where everyone can feel comfortable, valued and safe.

The development of change facilities are welcomed, particularly considering the expansion of women’s football across the region.

Council was delighted to assist with this project because we firmly believe participation in physical activity and encouraging people to come together in sporting clubs benefits mental and physical health.

The project supports Thomson Football Netball Club in its desire to develop a female football program, a goal that was not achievable with its previous facilities.

Women’s sport has exploded in Greater Geelong in recent times, and we need to have the facilities to accommodate this growth.

The changerooms will also help in recruiting more quality talent to the sports in what is a very competitive local environment.

Member for Geelong Christine Couzens This project is vital in supporting the return of local sport. With grassroots sports back on the park, more than ever growing communities and clubs like those here in Thomson need quality facilities they can depend on. The new clubroom spaces are a great win for local sport and community and provide the perfect place for the community to reconnect and enjoy the big games. The Andrews government is proud to support the growth in female sport and provide community clubs with the facilities they deserve for their members and their community.

Rabbit Control Program Greater Geelong Director City Services Guy Wilson-Browne “The City is currently undertaking rabbit control across a number of reserves. Rabbits are recognised as Australia’s most serious pest herbivore; they destroy habitat for wildlife by preventing the growth and regeneration of native plants and impact agriculture and recreation infrastructure. We are legally required to control rabbits on land we manage, in accordance with Victoria’s Catchment and Land Protection Act 1994.” “Our rabbit control program is outlined in our Rabbit Control Plan 2021-2026. Three phases of community consultation were completed to inform the content of the plan. Our rabbit control program has also been developed using expert advice, including information provided by Agriculture Victoria and the Centre for Invasive Species Solutions.” “We use pindone responsibly, in accordance with the manufacturer’s instructions, and take necessary precautions to ensure there is minimal risk of poisoning to off-target species such as wildlife or pets.”

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Victorian Dining and Entertainment Program The City of Greater Geelong is encouraging the local community to take part in the Victorian Government’s $60 million Victorian Dining and Entertainment Program. From Tuesday 29 March, diners at local restaurants, cafes, bars and other food and drink outlets will be able to claim 25 per cent off their bill through the dining program when they spend a minimum $40 between Monday and Thursday. Through the entertainment program, visitors to local cinemas, live performances, galleries, museums and more will also be able to claim 25 per cent off their bill (minimum $40 spend).

Deputy Mayor Trent Sullivan

I urge the Greater Geelong community to take advantage of the program and support local. This is a statewide program and is on a first come, first served basis, so we really want to see everyone get in quickly and make the most of this offer by visiting local hospitality and entertainment venues. We thank the Victorian Government for introducing this initiative and hope to see it make a real impact in supporting Geelong’s economic recovery.

Councillor Eddy Kontelj, Chair of the Arts, Hospitality and Live Entertainment portfolio;

The state government program adds to $19.63 million in community and business support provided by the Council since the beginning of the pandemic. The program presents a great opportunity to have a fun day or night out at a discounted rate and support Greater Geelong businesses at the same time. There are so many outstanding venues in our region and they still need our help, so we’d love to see a real rush from the local community and visitors to take up this offer.

The Victorian Dining and Entertainment Program is complemented by the continuation of the City’s ‘It’s Our Backyard’ campaign, which encourages

the Greater Geelong community to ‘think local first’ when shopping, dining and choosing entertainment.

More information about the Victorian Dining and Entertainment Program, including how to access a 25 per cent rebate on your bill and full terms and conditions, can be found here. APRIL 2022 | FIND GEELONG

APRIL 2022

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On Monday 25 April, Greater Geelong will honour the sacrifice of our service men and women by proudly commemorating ANZAC Day. In our own way, we will pause and reflect on the service and sacrifice of those who have served in our country’s defence, and those who continue to serve today. Ways we are marking ANZAC Day in Geelong

The City of Greater Geelong will install commemorative banners across the region and will lower flags on City Hall and other buildings, and turn the catenary lights (intersection of Moorabool and Malop Streets) red on the day. Geelong will again pay tribute to the ANZACs in a moving projection display at City Hall. See the FREE projections show between 22 April - 1 May, 7pm – 11pm.

ANZAC Day events in Geelong When 25 April 2022 Contact City of Greater Geelong - Event Services Unit Email: events@geelongcity.vic.gov.au Phone: 5272 5272 Associated organisation: RSL Geelong

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Make it for Easter - Kids School Holiday Workshop On Monday 11th April Wishart Creative will be running an awesome workshop for kids. Drop your kids off at 9:30 and fetch them at 12:30 when they’ll come out with three beautiful handmade accessories and a gorgeous, framed Easter egg. This workshop is suitable for ages 7+. All they need to do is turn up with a snack, water bottle and some excitement. During the workshop they will be guided through making beautiful accessories using gorgeous scraps of fabric, images of their favourite characters and more. Think bag-tags, necklaces, bookmarks, earrings, rings etc. All hypoallergenic and surgical steel! (Feel free to send kids with Lego instructions, magazines, stickers to cards that they may like to use too.) We will also be creating beautiful Easter eggs using a mixture of mediums which they will then bring home in a frame. Date: Monday 11 April Time: 9:30 -12:30 Where: Springdale Neighbour centre, Drysdale. Cost: $69 per child for 3 hours of awesome creativity. All materials provided. Spots are limited so book quickly!

When 11 April 2022, 09:30 AM - 12:30 PM Where Springdale Neighbourhood House Wadawurrung Country, 17 – 21 High Street Drysdale, VIC, 3222 Contact Kristin Wishart

Email: kristinwishart14@gmail.com Associated organisation: Wishart Creative Website: http://www. wishartcreative.com Facebook: http://www.facebook. com/wishartcreative/

Easter Thursday @ Geelong Harness Racing Club Start your Easter long weekend off right with a night @ the Trots - Thursday 14th April.

Where

Geelong Harness Racing Club Wadawurrung Country, 40 Broderick Road, Corio VIC 3214

$40pp two course meal, entry, racebook and spectacular harness racing under lights. $20 two course kids meals.

Contact Jodi Wood

When 14 April 2022, 06:00 PM - 11:00 PM

Phone: 0407 324 965

Email: jodi@geelonghrc.org.au

Associated organisation: Geelong Harness Racing Club Website: http://www.geelonghrc.org.au Facebook: http://www.facebook.com/ GeelongHarnessRacingClub/

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Join top investors, entrepreneurs and executives for a full day of insightful keynote sessions at Geelong Manufacturing Council’s Technology and Innovation Summit. Featuring industry experts in thoughtprovoking discussions the summit will shine a light on the world of opportunity open to manufacturers, discuss technology and innovation opportunities and share manufacturing success stories. When 21 April 2022, 08:30 AM - 04:30 PM GMHBA Stadium Contact Dave Cairns Email: davej.cairns@gmail.com Phone: 0452 622 861 Associated organisation: Geelong Manufacturing Council Website: www.technologyandinnovationsummit.com. au/

Take a scenic trip along Swan Bay for a fun way to donate to The Royal Children’s Hospital Good Friday Appeal! The Bellarine Railway will donate the proceeds collected on the day to the Good Friday Appeal. Tickets may be purchased online or at the booking office on the day unless sold out prior. When 15 April 2022, 11:00 AM - 03:00 PM Where The Bellarine Railway - Queenscliff Station Wadawurrung Country, 20 Symonds Street Queenscliff Cost • Adult: $16.00 • Child: $12.00 4-17 years • Concession: $14.00 Pension or Senior cardholders • Family: $45.00 Family1 (2ad & 2ch) $45 OR Family2 (2ad/3ch) $55 Contact Kate Email: info@bellarinerailway.com.au Phone: 03 5258 2069 Associated organisation: The Bellarine Railway Website: http://www.bellarinerailway.com.au/easterweekend-2022/ Facebook: http://www.facebook.com/TheBellarineRailway

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by the smooth tones of live jazz and acoustic bands at The Pier, during either a morning or afternoon session. Tickets include an enviable Plumm glass to take home after enjoying free tastings from the regions finest producers. Wine will also be available by the glass or bottle, and look out for perfect specials to stock your cellar for delivery after the event! When Various dates from 6 February 2022 to 15 May 2022 Where The Pier Geelong Wadawurrung Country, Cunningham Pier, 10 Western Foreshore Rd, Geelong VIC 3220

Cost Adult: $65.00 Includes all tastings and Plumm glass to keep

Now in its 19th year, this iconic festival is one of the most anticipated events on the local calendar showcasing the very best cool-climate wines from the Moorabool Valley, Surf Coast and Bellarine Peninsula. This year, Toast to the Coast conveniently brings the region’s finest drops to one iconic Geelong venue! Including all of the much-loved elements

Revered Australian singer-songwriter Paul Kelly with his band returns to the stage for their On The Road Again East Coast Regional tour. One of Australia’s finest performers and songwriters, Kelly has a place in the ARIA Hall of Fame, 25 studio albums, multiple film soundtracks, and two live albums to his name. Kelly’s band will be joining him on all tour dates, including Vika and Linda Bull, Bill McDonald, Peter Luscombe, Ash Naylor and Cameron Bruce. When 20 April 2022, 07:30 PM Where Costa Hall, Geelong Arts Centre Wadawurrung Country, Deakin University, 1 Gheringhap Street, Geelong VIC 3220 Cost Adult Contact Phone: 1300 251 200

of the traditional Toast festival minus the travelling, you can enjoy more of the region without having to painstakingly choose – spend your day sampling wines from across all three regions, with stunning views of the Geelong waterfront. Lucky ticketholders will enjoy a taste sensation from 20+ Geelong wineries, 2 gin distilleries and 1 brewery with plenty of delicious food on offer and complimented

Contact Wine Geelong Email: info@winegeelong.com.au Associated organisation: Wine Geelong Website: https://toasttothecoast.com. au/ Facebook: https://www.facebook.com/ toasttothecoast2022

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OK Motels bring two special nights together at the iconic Geelong West Town Hall. OK Motels is back in Geelong and we’ve found a pretty special place to return to. The West Geelong Town Hall has a big music history in GTown, with some pretty impressive acts. In the 80s it was The Fall and Wire, and in 1990 Faith No More played their epic (get it) The Real Thing tour with the Cosmic Psychos as support. We’re going to get that hall cranking once more. Not only are we presenting two incredible lineups, we’ve also got Ripper Roasts, another Geelong icon, serving up a roast dinner smorgasbord. Think OK Motels meets The Swagman. This hall, of course, has all the architectural vibes of an OK event, with plenty of arches, wood panelling, moulded plastic seating and velvet. See you in Gtown, at the new West Town Music Club. Book Online Now When 22 April 2022 Where Geelong West Town Hall Wadawurrung Country, 153 Pakington Street, Geelong West 3218 Cost Adult

Play CC&K’s 10th Birthday!

Play CC&K Childcare in Belmont are celebrating their 10th birthday! Come along on the 23rd of April, from 10am - 2pm and celebrate with us. Featuring the Mik Maks, Bop Till you Drop Disco, Animal Petting Farm, local food vans and so much more! This is a free event and open to the Geelong public. When 23 April 2022, 10:00 AM - 02:00 PM Where Play CC&K Wadawurrung Country, 121 Roslyn Road, Belmont VIC 3216 Cost This is a Free event Contact Kara Bottrell Email: childcare@playcck.com.au Phone: 5224 2224 Associated organisation: Play CC&K Website: https://playcck.com.au/ APRIL 2022 | FIND GEELONG

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Geelong Half Marathon The Geelong Half Marathon will be held at 7:30 am on Sunday, 24th April, 2022 starting at Barwon Valley Park. There is also a 5km race. The picturesque course follows the Barwon River to Fyansford and return. When 24 April 2022, 07:30 AM - 10:00 AM Where Barwon Valley Park Wadawurrung Country, Barraboool Rd Belmont VIC 3216 Cost Adult Contact Jeff Walker Email: jeffkathw@gmail.com Phone: 03 5229 4304 Associated organisation: Geelong Cross Country Club Website: http://www.gccc.asn.au Facebook: http://www.facebook.com/ GeelongCrossCountryClub

Oxygen College Presents “A conversation with” As part of Surround Sounds, Geelong and The Bellarine, Oxygen College will be hosting 2 events over 2 weeks. Come along and experience Oxygen College’s live space auditorium - where we will be inviting 2 musicians along to have their stories heard. The night will consist of a conversation with the artists, along with having them play songs throughout the evening. Get a totally different take, in an intimate setting, with some of Australias best musicians. Oxygen College is Geelong and Regional Victoria’s premier creative arts College who have been offering nationally accredited creative training for over 10 years. Lloyd Speigel - Thursday 28 April A conversation with blues Icon and guitar virtuoso Lloyd Spiegel. Come and hear stories from 30 years in the industry and be spellbound by Lloyd’s magic on the guitar. Ali Barter - Monday 2 May Melbourn’s own pop rocker Ali Barter will be joining us to discuss her success since 2012 after several well-received releases. Hear stories from her recording sessions, touring, doing Triple J ‘Like a Version’ and much more.

To book Email us with your name, and which artists you wish to see: enquiry@oxygencollege.com.au When: 28 April 2022 to 2 May 2022 Contact Associated organisation: Oxygen College Website: https://www.oxygencollege.com.au/

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ROCKWIZ LIVE! Back on the Road 2022 The RocKwiz gang are hitting the road. After a couple of years of cancellations, were putting it all behind us and Getting Back on the Road! The ROCKWIZ LIVE! Back on the Road shows are simply not to be missed. Julia, Brian, Dugald and The RocKwiz OrKestra are heading your way to brighten up your 2022. Featuring a host of special guests, your old favourites, some new surprises, and YOU on our stage! Get ready to be part of the action as we bring our unique brand of entertainment to a town near you. ROCKWIZ LIVE! Back on the Road 2022 When 23 April 2022, 07:30 PM Where Costa Hall, Geelong Arts Centre Wadawurrung Country, Costa Hall, Deakin University; 1 Gheringhap Street Geelong

Cost Adult Contact Website: https://geelongartscentre.org.au/whats-on/all-events/ rockwiz-live-back-on-the-road-2022/

The 2km walk at Eastern Park on Sunday 1 May 2022 enables the Parkinson’s community to come together to show strength and support in numbers. Over 27,000 people are living with Parkinson’s in Victoria; there is no known cure. Many people diagnosed are under 50 years old. When 01 May 2022, 09:30 AM - 12:00 PM Where Eastern Park Circuit, near the Geelong Play Space and Geelong Botanic Gardens Wadawurrung Country, Eastern Park, East Geelong VIC 3219 Cost • Adult: $20.00 • Child: $5.00 • Concession: $15.00 • Family: $40.00 Two adults and up to three children

Contact Kirsten George

A Walk in the Park Geelong

Email: geelongwalkparkinsons@gmail.com Phone: 0425 772 489 Associated organisation: Fight Parkinson’s (formerly known as Parkinson’s Victoria) Website: https://www.parkinsonswalkgeelong.com.au/ Facebook: https://www.facebook.com/ ParkinsonsWalkGeelong

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The

EAGLES STORY

For more than 10 years, The Eagles Story has taken audiences around Australia, on a journey to relive the amazing music of The Eagles. Through their scintillating harmonies, that recreates to perfection the vocal arrangements created by the band, to the purity of the musicianship; The Eagles Story takes this tribute to a new level, rarely seen.

commitment to replicating the true west coast, Eagles sound, live on stage by the five members of The Eagles Story is never ending. The respect for the original by members Pete McCarthy, Gary Young, Ash Osgood, Cres Crisp and Steve Wells is the driving force that continues to ensure that each in their own right continue to take it to the limit. Hit after hit comes flooding from the stage as musical memories are relived in this not to be missed salute to a legendary treasure.

In a musical landscape littered with close enough is good enough, the

The story of The Eagles lives on through The Eagles Story!

The legend that is The Eagles now lives on through The Eagles Story.

•

Book online now

When 29 April 2022, 06:00 PM Where Gateway Hotel Wadawurrung Country, 218-230 Princes Highway, Corio, VIC, 3214 Cost Adult: $30.00 Show Only

*IN-PERSON* John Bartlett - Poetry Workshop Writers’ Workshop Series Reading some contemporary Australian poets and responding creatively. In this workshop participants will receive poems ahead of the workshop date for discussion. Writing exercises will help create your personal poetic responses. Participants should achieve several draft poems on the day. There should be time for some discussion too on possible markets. Feedback can be provided by email after the workshop for anybody interested. Just bring preferred writing materials and your imagination. Suitable for beginners at any age (over 18) or those with some writing experience. Please note, there is a fee of $10 for attending this event. Book your tickets now Contact: Geelong Regional Libraries Email: events@grlc.vic.gov.au Phone: (03) 4201 0600 Associated organisation: Geelong Regional Libraries Website: https://events.grlc.vic.gov.au/

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Felipe Baldomir When 28 April 2022, 07:00 PM Where The Barwon Club Wadawurrung Country, 509 Moorabool Sreett, South Geelong VIC 3220

Tenzin

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Summer of Mystery The Summer of Mystery at Newtown’s historic property, The Heights, has been extended until Sunday 24 April 2022. This immersive literary exhibition celebrates women crime writers and fictional crime fighters. See costumes and props from the world of Miss Fisher, and if you fancy yourself as a crime writer you can take part in a ‘Finding the body’ Writing Workshop. Book your tickets now Open on Saturdays and Sundays from 11am to 4pm. When Every Saturday,Sunday of every week from 12 March 2022 to 24 April 2022 Where The Heights Wadawurrung Country, 140 Aphrasia Street, Newtown VIC 3220

Cost • Adult: $15.00 • Child: $7.00 • Concession: $10.00 • Family: $30.00 (2A & 2C) • Other/More Information National Trust Members Prices: Adult $12 Concession $8 Child $5 Household (2A & 4C) $45

Contact National Trust of Australia Email: info@nattrust.com.au Phone: 03 9656 9800 Associated organisation: National Trust of Australia (Victoria) Website: https://www.nationaltrust.org. au/event/summer-of-mystery/ Facebook: https://www.facebook.com/ NationalTrustVictoria

Everyone is most welcome and off-street parking is available in the paddock adjoining the hall. When 22 April 2022, 10:00 AM - 12:00 PM Where The Point Lonsdale Community Hall Wadawurrung Country, Bowen Road, Point Lonsdale VIC 3225 Cost • Adult: $5.00 Museum Members • Other/More Information: $10.00 Non-members Facilities Parking available Two guest speakers for the April Museum Talk, Rob Wynne and business partner Deb Robinson, are the Managers of the relatively recently established Geelong Gaol Museum. This in-tact establishment was however originally established as a gaol in 1853 and closed in 1991. Rob Wynne and Deb Robinson saw a great opportunity in creating a world class Crime and Justice Museum within this unique gaol. Of the twelve gaols built in Victoria during the Gold Rush, the old Geelong Gaol is the only one still in its

original condition, and Rob will tell us the fascinating story of its history and what he and his partner are planning for its future. Do join us for tea and coffee at 10am at the Point Lonsdale Community Hall prior to the April Museum Talk at 10.30am. Tickets are $5 for Museum Members and $10 for non-members. Maybe you will consider becoming a member on arrival if you are not already one and then you will be entitled to a ticket for half price!

Contact Queenscliffe Historical Museum Email: admin@queenscliffe-history.org Phone: 03 5258 2511 Associated organisation: Queenscliffe Historical Museum Website: www.historyofqueenscliffe.com Facebook: https://www.facebook.com/ queenscliffehistoricalmuseum

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A Day on the Green - Crowded House

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Award-winning icons CROWDED HOUSE have announced additional dates and locations for their Australian Dreamers Are Waiting Tour. Roundhouse Entertainment, in conjunction with Live Nation, is thrilled to announce that these new shows also include a day on the green dates at Mt Duneed Estate, Geelong, on Saturday 23 April. ANGUS & JULIA STONE and THE WAIFS join the a day on the green line-up at Mt Duneed Estate, Geelong. Don’t miss CROWDED HOUSE live as they perform legendary anthems like Don’t Dream It’s Over, Weather With You, Better Be Home Soon, Four Seasons In One Day, Distant Sun, It’s Only Natural and many more from the band’s 35-year career, along with fresh new music. When 23 April 2022, 01:00 PM - 08:00 PM Where Mt Duneed Estate Wadawurrung Country, 65 Pettavel Rd, Waurn Ponds VIC 3216 Contact Roundhouse Entertainment Email: info@roundhouse.com.au Phone: 03 9695 7822 Associated organisation: Roundhouse Entertainment Website: https://www.adayonthegreen.com.au/ Facebook: https://www.facebook.com/adayonthegreen

A day on the green is turning a vivid shade of lime in 2022. The iconic outdoor summer concert series is teaming with Chugg Music and chart-topping band – ARIA Award winners for Best Live Act – Lime Cordiale for their annual travelling festival, The Squeeze, in April and May 2022. The Squeeze 2022 sees Oli and Louis Leimbach gather a stellar line-up of Australian talent, including Thelma Plum, Client Liaison, The VANNS and many more, and take them on the road for the biggest Squeeze Festival to date. The 12 stops take in WA, SA, VIC, NSW and QLD, including three a day on the green events. The Squeeze 2022 not only features those chart-toppers, but also the next super-talented generation of artists who are ready to break though, including Melbourne’s Teenage Dads and merci, mercy from Sydney. Arrive early and discover your next favourite band. When 16 April 2022 Where

Mt Duneed Estate Wadawurrung Country, 65 Pettavel Rd, Waurn Ponds VIC 3216

Contact Roundhouse Entertainment Email: info@roundhouse.com.au Phone: 03 9695 7822 Associated organisation: Roundhouse Entertainment Website: https://www.adayonthegreen.com.au/ Facebook: https://www.facebook.com/adayonthegreen

www.findgeelong.com.au

APRIL 2022 | FIND GEELONG

APRIL 2022

Free Advertising Religious Groups and Churches Services Times Public Notices

Geelong

1300 88 38 30

editor@findgeelong.com.au

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

Shop

What’s Happening... Your ultimate guide to family fun these school holidays Located in Centre Court Free for W+ Members The Easter bunny will be hopping around between 11am-2pm, Mon 11th-Thurs 14th & Saturday 16th April!

It’s that time again – the school holidays are approaching. And if you’re like most parents, you’ll be on the hunt for fun and exciting outings and excursions to keep the kids occupied.

Big day out events Want to treat the kids to something really special? These exhilarating events are coming your way. Mark your diaries so that you don’t miss out.

At Westfield Geelong, we’ve got plenty of school holiday activity ideas for every budget. From family-friendly events to new movie releases and delicious kiddo cuisine, there’s something to interest every child. Creating a game plan for maximising fun with the kids while they’re off school has never been easier. Grab a pen and let’s dive in.

Kids Easter Craft Mon 11th - Thurs 14th & Saturday 16th April 10am - 1pm Located near Cotton On Body Free for W+ Members Roller Skating Rink Tuesday 19 - Sunday 24 April: 11am - 2pm Friday 22 April: 4pm - 8pm

Meet the Easter Bunny

Westfield Plus members can also recieve a free pair of Bunny ears from Concierge during this time. * Indoor playgrounds Is there any better way to let them burn off extra energy than at Playworld, located on Level 1 near Cotton On Kids? Grab a coffee and let them run wild. Ready. set, play! Kid-approved cuisine If you’re out of activity ideas, consider a culinary excursion to treat their little tastebuds. (They might even try a new food!) Whether you’re after an allergyfriendly menu or the best babyccino in town, you’ll find it.

Autumn and winter essentials for little ones

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.

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

www.findgeelong.com.au

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.

www.findgeelong.com.au

APRIL 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.

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

www.findgeelong.com.au

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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APRIL 2022 | FIND GEELONG

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.

APRIL 2022 | FIND GEELONG

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

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findgeelong.com.au

APRIL 2022 | FIND GEELONG

REBIRTH YOURSELF

In particular, as your clients share similar interests to yourself, you’ll find that, over time, your clients will become friends.

RETIREMENT By Bernard Kelly MBA

Once you exit the paid workforce, don’t bother trying to find another job. Why? Well the elephant in the room are those workplace health and safety insurance policies, which can frequently exclude any employee aged over 70. Consequently, for modern elders, second career options can be rather limited. However, self-employment is a viable alternative and developing a “profitable hobby” is perhaps the best route. This form of self-employment multiple benefits, including • • •

offers

the income expanding your friendship network maintaining your zest for living

And because it is a hobby, it’s not work. It’s something that you enjoy. On the other hand, as it is a hobby, something enjoyable that you do parttime, don’t expect that it will generate a substantial income (although it may well do). So the associated benefits are probably more important.

For xample, if you were selling dog collars, your conversations would evolve naturally into all things doggy, and a friendship would emerge. HOW TO START If you’ve never been in business for yourself previously, you can ease yourself into the game by buying and selling something simple. Let’s consider flower presses. These are traditional gifts that young children give as birthday presents, and you can buy these in quantity from haberdashery stores. And then you sell them online. However, you’ll find “success” with this venture if you focus on desperate parents who need – urgently – a gift for next Saturday’s birthday party. These parents are typically uber-busy, and stressed, and willing to pay whatever you ask – as long as you guarantee rapid next day dispatch. To them, price is not the concern. Service delivery is the critical component of the sale.

Some options to make it easy for desperate parents to find you is to (1) build your own (free) Google website – name it Last Minute Children’s Gifts – and they will find you. And of course, you would (2) also list “flower presses” as a free advertisement on various sites such as eBay and Marketplace. The key is to emphasise your solution to a parent’s desperation. DOUBLE YOUR SALES Now flower presses are educational toys, so consider marketing a package of two (in each sale): • •

one as the gift the other to remain with their family

It’s like catching two fish with one hook, eh? Bernard Kelly writes about retirement issues. Feel free to contact him on bernardkellygeelong@gmail.com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach

APRIL 2022 | FIND GEELONG

FIND GEELONG | APRIL 2022

www.findgeelong.com.au

Find Retirement with Ease and Enjoy it FINANCIAL PLANNING By Warren Strybosch

Social Security rates increase Social Security pension and allowance rates increased on 20 March 2022 as a result of indexation. The following tables summarise the latest rates and cut-off thresholds for pension payments (eg Age Pension, Service Pension, Disability Support Pension, Carer Payment).

Step 1: Start thinking about retirement regardless of your age I don’t know what the magic number is for retirement. In the past it used to be age 65 which fell in line with when you could apply for the Age Pension. Now that the Age Pension has increased to age 67, we are starting to see a shift and pre-retirees are starting to talk about age 67 as the new magic number. There are still some self-funded retirees who like the idea of retiring at age 65 or even soon, given they won’t qualify for the Age Pension, but for most others, the trend is moving upwards in age and retiring later. Regardless of the age, we encourage everyone over the age of 55 to start thinking about their pending retirement and to consider taking ‘mini-retirements’ now rather than waiting until fully retired. I will speak more about ‘mini-retirements’ in the next edition. Ideally, we want our clients to consider retirement even earlier than age 55 but as we all know, with the pressures of a mortgage, kids, school fees, and so on, it is hard for most people to give retirement any thought until their later years. When we say consider it, we mean to start planning for it. The sooner you start putting a strategy in place, the better off you will financially be in retirement. Regardless of your age, it is important to give retirement some consideration for the simple fact that superannuation is now capped. What do I mean by capped? The government changed the laws in 2009 to reduce the amount someone could contribute into superannuation in a given year. Currently the two main caps are the Concessional Cap (CC) of $27, 500 and the Non-Concessional Cap (NCC) of $110,000. Now that there are restrictions placed on how much can be placed into super each year, everyone needs to consider what amount above the Superannuation Guarantee Contribution (SGC), currently 10%, should be placed into superannuation, at least up to the $27,500. There are other caps but for now we are concentrating on the two most common ones. The benefit of placing additional funds into super, especially when interest rates are low, is that for every additional $1000 you place into Super up to the CC, assuming you earn more than $45,000, is that

you are saving yourself approximately 17.5% or more in tax (marginal tax rate of 32.5% less 15% tax in super = 17.5%). That is a 17.5% return without having to think about it. Then that 17.5% return is going to be working for you and is likely to return more than your current loan interest each year. I tend to look at this way. If I can get a return that is at least three times better than the current interest rate I am paying on my home loan, and with the large initial return of 17.5% (that tax savings in the first year), I may consider placing more funds into super rather than placing more money onto my mortgage. With interest rates being so low, I like the idea of placing more funds into super but as interest rates rise, I will have to reconsider this approach. Even if you do have a mortgage but you’re earning a bucket load of money and want to reduce tax, the first thing you should be doing, before anything else, is making sure you are maxing out your CCs. I often tell my clients to keep things as simple as possible. Do the simple, less risky things first, before venturing into higher risk or larger debt investments. The two simple things anyone can do is a) max out their CC for themselves and if they have a partner, do the same for them, and b) make sure you have enough personal insurances in place to protect you, your family, and the assets you are building up. I will talk about personal insurances in a future edition – and I don’t mean just take out default cover in an industry fund. That type of advice is out of date and will likely you cost you more over the long term.

What is interesting, is that anyone young, who starts to implement the above, will have a considerable amount in retirement that they might not need to have to do anything else. Starting early is the key. The sooner you start the better your superannuation balance will be. When the simple things have been done then we can discuss other ways to make money and save on tax. There are plenty of options but as you will learn, they come with a lot more risk. In my next edition we will talk about spending plans, future goals, and minretirements. This information is current as at March 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

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

FIND GEELONG | APRIL 2022

www.findgeelong.com.au

Geelong Cats 2022 AFL

FIXTURE

The 2022 AFL Toyota Premiership Season. Please see table below for upcoming Geelong Cats games:

Date

Teams

Location

Game Start

Monday 18 April

Geelong Cats V Hawthorn

MCG

2:10pm

Sunday 24 April

Geelong Cats V North Melbourne

Blundstone Arena

1:10pm

Saturday 30 April

Geelong Cats V Fremantle

GMHBA

1:45pm

Saturday 7 April

Geelong Cats V GWS

Manuka Oval

4:35pm

Saturday 14 April

Geelong Cats V St Kilda

Marvel Stadium

4:35pm

Go Cats!

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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 ------------------76 Finance Broker --------------------78 Bookkeeping -----------------------77 Business Coach -------------------78 Lawyers --------------------------------77 Salary Packaging Service--77 Signwriter -----------------------------78

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.

APRIL 2022 | FIND GEELONG

PROFESSIONAL SERVICES

PAGES

DEVELOPING EXCELLENCE IN BUSINESS SERVICES

CONTACT

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

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.

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.

INDEX

PRISTINE OUTDOOR PROPERTY SERVICES

PROFESSIONAL SERVICES • • • • • • •

Property Services ------79 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

APRIL 2022 | FIND GEELONG

PAGES

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-------80 Electrician----------------81 Embroidery--------------81 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

APRIL 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

APRIL 2022

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

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

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.

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 101

LOCAL COUPONS OFFERS

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CONTENTS

BUSINESS NAME

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING

FIND BREKKY, BRUNCH & LUNCH

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PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

CARD NO.

PAGE NO.

001

PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

CARD NO.

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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

CARD NO.

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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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Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site. The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2022 Find.

Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer).

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code, 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.

John Dee

1234567890

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

APRIL 2022

Find Geelong - April Edition 2022

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