Find Geelong 2024 - February Edition by Find

The FEBRUARY 2024

GEELONG WHAT’S INSIDE: 04

SCHOOL CHILDREN GOING BACK TO SCHOOL

COLUMNIST ARTICLES

GEELONG COUNCIL NEWS

TAX UPDATES

NOT-FOR-PROFIT OF THE MONTH

IN THE SPOTLIGHT

WATCH THIS PAGE

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

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COLUMNIST CONTRIBUTORS FOUNDING DIRECTOR - FIND GROUP

LEADERSHIP & TEAM SPECIALIST

PAINTING & DECORATING

SALARY PACKAGING

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

STEVE DAHLLOF

DAN NICHOLLS

BUSINESS COACH

BOOKKEEPER

SIGNWRITER

VIDEO PRODUCTION

DEB FRIBBINS

MARY-CLARE SWITZ

TIM & NARELLE KNOTT

ALLISON GROOT

HEATING AND COOLING

DIGITAL MARKETING

HAIR DRESSER

ACCOUNTING

STACEY DALTON

ETHAN STRYBOSCH

CHEY DEVEY

ANJANA JOGI

IT CONSULTANT

NATUROPATH

SOLICITOR

FINANCE BROKER

KATHERYN MESSENGER

Are you our next Solicitor?

Are you our next Finance Broker?

JUSTIN MIDDLETON

GETTING TO KNOW YOUR FIND GEELONG MEMBERS See who we’re highlighting this month ON PAGE 38

CLUB SPONSORS

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FEBRUARY 2024 | FIND GEELONG

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

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.

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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FEBRUARY 2024 | FIND GEELONG

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by Mary Ann Barnes

As the sun rises on a new academic year, the hallways echo with the laughter and excitement of school children returning to their second home - the classroom. After a well-deserved break, students are eagerly lacing up their shoes, slinging backpacks over their shoulders, and embarking on a journey of learning, growth, and camaraderie. The anticipation in the air is palpable as parents, teachers, and students alike look forward to the resumption of routine, structure, and the pursuit of knowledge. The classroom, once again, becomes a bustling hub of curiosity, discovery, and friendship. For many children, the return to school represents more than just a continuation of academics. It’s a reunion with friends, a chance to share summer stories, and an opportunity to forge new bonds. The sheer joy of seeing familiar faces and making new friends creates a vibrant and dynamic atmosphere within the school walls. Teachers, the unsung heroes of education, are ready with open arms and lesson plans that will inspire, challenge, and nurture the young minds entrusted to their care. The excitement of imparting knowledge and witnessing the spark of understanding in a student’s eyes is what fuels their passion for teaching. As the first bell rings, signaling the beginning of a new chapter, students settle into their desks, each one a blank canvas waiting to be filled with knowledge, creativity, and skills. The sound of pencils scratching against paper, the hum of discussions, and the occasional burst of laughter create a harmonious symphony that signifies the return to the rhythm of academic life. The return to school is not just about academics; it’s a holistic experience that includes sports, arts, and extracurricular activities. The playing fields resound with the cheers of sports, arts, and extracurricular activities. The playing fields resound with the cheers of sports enthusiasts, while the art rooms come alive with the vibrant colours of creativity. From science labs to music studios, each corner of the school is a canvas for students to explore and express themselves. While the journey ahead may have its challenges, the resilience and enthusiasm of school children are a testament to their eagerness to learn and grow. The coming months will witness not just academic achievements but also personal milestones, character development, and a sense of belonging that extends beyond the classroom walls. So as we witness the return of school children to their educational haven, let’s celebrate the magic of learning, the joy of friendships, and the boundless possibilities that a new school year brings. May this academic journey be filled with discovery, laughter, and the promise of a brighter future for these eager minds stepping back into the hallowed halls of education.

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FEBRUARY 2024 | FIND GEELONG

Geelong Column By Mayor Trent Sullivan

Whether it’s food, drink, music or sport, January is festival season in Geelong. But in February, it is all about the Festa. Pako Festa - the celebration - transforms Geelong West on Saturday 24 February into the biggest and best open-air street party. Council is proud to be a major supporter of Pako Festa, providing $100,000 via our budget to help deliver this stunning celebration of cultural diversity. Pako Festa is a highly significant event, because it showcases our rich, multicultural community and welcomes people from all walks of life to come together. It encourages us learn from each other; better understand traditional cultures; and open our eyes, ears, and tastebuds to some amazing food and entertainment from across the globe. I’ll be pounding the pavement up and down Pako, to indulge in a wide variety of food, and look forward to seeing you there. For more information visit www.pakofesta.com.au

This month, Council is very excited to be opening the Northern Aquatic and Community Hub, in Norlane. The stunning complex will offer leisure and recreation activities, cultural and health programs, and community events. Children will get first look at the new pools, with the Webstar’s Swim School program to begin on 12 February. The $65.6 million aquatic and community centre opens to everyone on 19 February. Thanks to our funding partners – the state and federal governments – and Kane Constructions for helping convert this dream into a reality. The new complex features: - Lap pool, waterplay area and waterslides; - Warm water pool, spa and steam room; - Learn to swim pool; - Mezzanine level gym overlooking the aquatic facilities; - Large multi-purpose community performance hall; - Childcare facilities; - Health consulting suites; and - Extensive landscaped outdoor public open space areas. For more information visit www.geelongaustralia.com.au/northernhub

FEBRUARY 2024 | FIND GEELONG

FIND GEELONG | FEBRUARY 2024

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Stage 3 Tax Cuts and how to affect you - but not what we were promised

By Warren Strybosch

Higher income earners have been passed over again and the government is stating that the backflip on the promised tax cuts is not politically motivated. This means that those earning $200,000 or more will receive a $4,529 cut, instead of the legislated $9,075 they were due to receive from 1 July. Only those earning less than $150,000 will benefit from the impending tax cuts as follows: • Reduce the 19% tax rate to 16% (for incomes between $18,200 and $45,000). • Reduce the 32.5% tax rate to 30% (for incomes between $45,000 and the new $135,000 threshold). • Increase the threshold at which the 37% tax rate applies from $120,000 to $135,000. • Increase the threshold at which the 45% tax rate applies from $180,000 to $190,000. Therefore,following these announcements and assuming amending legislation is passed, the Australian resident personal income tax rates from 1 July 2024 will be:

From 1 July 2024

Resident individual Up to $18,200

Nil

$18,201 to $45,000

16% on part over $18,200

$45,001 to $135,000

$4,288 + 30% on part over $45.000

$135,001 to $190,000 $190,001 to over

$31,288 + 37% on part over $135,000 $51,628 + 45% on part over $190,000

It is good news for those earning less than $45,000 per year, as their rate of tax will fall to 16% compared to the current 19%. The winners are middle income earners. The PM is trying to place a positive spin on it all and argue it is the middle-income earners who are the backbone of the economy and therefore they deserve the biggest tax cuts. “This is a plan for middle Australia that delivers for every Australian taxpayer, right up and down the income ladder,” the PM said. The mantra of years past where Labor was all about supporting the Aussie battler is clearly out the window. It seems Labor is seeking wins with the middle class and more educated Australians. It will be interesting to see how this plays out for Labor when we next go to the ballots and what this will do to current interest rates. A tax cut is likely to increase inflation and could push up interest rates which in turn might negate the benefit of any tax cuts that were created. Time will tell.

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FEBRUARY 2024 | FIND GEELONG

Financial Planning Fees – Not deductible Additionally, fees charged by a recognised tax adviser for advice about managing your tax affairs are also deductible (s 25-5).

ACCOUNTANT By Warren Strybosch

There has been a lot of debate regarding the deductibility of financial planning fees. The main argument being that if the fees were deductible in nature more people could afford to seek financial planning advice. Unfortunately, the ATO, after much consultation, does not look like it will change is stance on the tax deductibility of advice fees paid by individuals who are not carrying on a business. TD 2023/D4 replaces a determination released back in 1995. However, the ATO has not changed it’s view on the tax treatment of financial advice fees in this new draft determination. For example, upfront advice fees to establish and implement a financial plan are still considered ‘of a capital nature’ and are not deductible based on the guidance outlined in the determination. 97 where the fee directly relates to producing assessable income.

This draft determination is open for public comment until 2 February before it is finalised however we are not confident that their position will change.

A deduction is not available for an advice fee to the extent that: •

it is an outgoing of capital or of a capital nature;

•

it is an outgoing of a private or domestic nature;

•

it is incurred in gaining or producing a taxpayer’s exempt or non-assessable, non-exempt income, or a provision of the Act prevents you from deducting it.

Where a fee relates to both income producing advice and for other purposes, the deductible amount should be apportioned based on a fair and reasonable basis. The determination provides guidance on the evidence required to support the amount claimed as a deduction (eg. the adviser can provide an itemised invoice via their Fee Disclosure Statement or advice fee consent form).

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au Important Information This information is of a general nature only. It does not take into account your particular financial needs, circumstances and objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.

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

Warren Strybosch Accountant FEBRUARY 2024 | FIND GEELONG

FIND GEELONG | FEBRUARY 2024

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Benefits of Working with a Coach Photo by Armand Khoury on Unsplash

LEADERSHIP & TEAM SPECIALIST By Sally Higoe

There is a high possibility you have heard about coaching and all the good stuff. Over the last few years, coaches, especially performance coaches, have become very popular. People are training on how to be mentally strong in the gym, business, career, and almost any other life spectrum that comes to mind. But what is all the fuss about? Why are people adopting a coaching lifestyle? Many people say they do not need coaches, and they are right. No one does. You have got to want to have a coach. However, to do that, you need to compare the advantages and disadvantages of having one. First off, coaching is a precious thing to offer yourself or your organisation. Although some may find disadvantages too, the pros by far outweigh the cons. People working with a coach have natural, tangible, and profound results that will draw you toward wanting to have one.

If coaching wasn’t an effective strategy, why would sports teams spend millions of their budget on hiring a coach? Also, consider all the expenses that come with a technical bench, including coaching assistants. Why would anyone invest so much in something that hasn’t been proven to work? However, they do because coaching provides irrefutable results. All in all, let’s start by answering the most obvious question, Who is a coach? A coach trains a person or team to unlock their potential and achieve a certain target. Coaching is almost similar to mentorship but a little different in that it is more performance-driven and evaluative than mentoring. So, why is it important to work with a coach? Everyone has the power within themselves that needs to be unleashed. They may not even be aware of it. A coach’s job is to help you let it out. A coach gives you the extra nudge and support you need to make it happen. Let’s face it. Life is hard as it is. Any additional pressure from work, friendships, parenting, or whatever else you’ve got

That’s where a coach comes in. A good coach helps lift the weight off you. Coaches answer your difficult questions and help you see things from a fresh perspective. They help you visualise and actualise new possibilities outside your comfort zone to create a better version of yourself. Some people know exactly what they want in life, when and how to get it. However, a big chunk of the population does not have a clear perspective of who they are, what they are capable of, or how to shape their future. A good coach will help you make sense of your life, current situation, and future. Although coaching sessions are different, they all have one thing in common: problem-solving. You may struggle with something you can’t point the finger at for a while. However, a coach will listen to you with utmost keenness; help you by asking the right questions to unearth and address the root problem. They will help you see a problem for what it is and help you devise workable solutions even though you are neck-point in it. How Can Coaches Help Organisations? Whoever introduced coaches workplaces was right to do so.

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FEBRUARY 2024 | FIND GEELONG

Some organisations implement coaching programs that introduce third-party coaches to guide their employees through their career journeys. These coaches help teams prioritise tasks, set clear and achievable goals, and solidify their values, all for general workplace improvement.

Coaching junior members in an organisation helps bring up future leaders by cultivating hidden leadership qualities. Executives also learn to manage stress and improve their leadership quality for the better of the organisation through coaching.

However, it is not all about improvement in their work life. Such employees benefit personally from a coach by:

Companies with coaching programs have improved customer and employee retention, profitability, customer satisfaction, and talent acquisition. A professional coach wholesomely helps build a brand and company.

• • • • • •

Gaining personal life perspective. Having a deeper understanding of themselves. Taking responsibility and being accountable for actions and commitments. Becoming more self-reliant. Communicating more effectively. Increasing the level of engagement with others.

Sally Higoe Leadership & Team Specialist www.linkedin.com/in/leadership-development-coach/ sally@team-resilience.com.au

If you wish to replicate any of the above results, consider working with a coach in any area of operation. If what you expect is a revamped team, culture, and improved performance, get in touch with me, I’m always happy to have a chat – sally@team-resilience.com.au

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

LEADERSHIP COACHING & DEVELOPMENT

BEHAVIOURAL PROFILING

TEAM COACHING & DEVELOPMENT

EMOTIONAL FITNESS

IN-HOUSE AND ONLINE TRAINING

NEEDS AND GAP ANALYSIS

sally@team-resilience.com.au

www.team-resilience.com.au

Leadership coaching that connects your team and drives results

SALLY HIGOE Leadership & Team Specialist

FEBRUARY 2024 | FIND GEELONG

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Creating time to create better results

“ BUSINESS COACH By Deb Fribbins

One of the greatest challenges we have today in our busy lives is having enough time to achieve all that we want for ourselves and our businesses. How can we fit it all in? Often one of the first things we often stop doing is planning what we need to do? We don’t make time to think about what we need to do, we just get on and do it. In the short term this is viable, we need to react to certain situations and just get on with it. The longer we react, rather than be proactive, the more time poor we become! The key to success is to be true to our vision, ensuring all our strategies are well planned and thought out. The more often we do this the quicker the process becomes and more time we create. How? How can we make time to stop and plan when we are already time poor? Five keys to creating additional time in our day. Self-care, Planning, Analysis , Staff training Communication. 1. Self-care One of the most valuable things we can do for ourselves when time-poor, is to make time for ourselves. Recharging our batteries enables us to be mentally and physically ready take on the world again. How we do that is up to the

vision is a destination

- a fixed point to which we focus all effort.

strategy is a route

- an adaptable path to get us where we want to go. - simon sinek

individual. Go for a swim, walk along the beach, ride a bicycle in the country, train for a marathon, play with your children or grandchildren in the park, play tennis, read a book. Each of these activities and many others will increase mental capacity and clarify ideas and thoughts you may have had. Find ways to do things you don’t have to think about, these will help to clear your mind for the short term. There are times when we “Don’t see the wood for the trees”, as we are too entrenched in the circumstances. How often do we have moments of clarity when we cannot act on them, such as in the shower, or on the toilet or driving the car. How often do we stop thinking about something we are trying to remember so that we can remember? Free up some time, to make opportunities to prioritise your work life balance and take a look at the tasks at hand to plan your actions. 2. Plan Plan Plan Planning is needed to evaluate all the information at hand objectively to prioritise into the areas that need to be addressed. Planning strategies can then be formulated plan and implemented to achieve the desired outcomes with a clear mind planning can commence for a day week, month or year. Each business is different some need to plan

“

at a daily level, while others need to start up to 12 months out to bring the plans to fruition. The depth of the planning will show in the results achieved. There are 5 key ares to planning Consumer, Competition, Campaigns, Creativity, and course.

The consumer is key Do you know who your key consumer is and what they want? What was the competition doing in the market at the same time both in-stores and online. Marketing campaigns needs to have more time and effort put in at the start to ensure the outcome required. Are the 5 rights of retail covered: Is it the right item to draw the customers in? Is it at the right price? Is there the right amount of stock? Are they the right quality your customers expect from you? Is the promotion at the right time of the year? For the dayto-day business to run smoothly do you have the right staff? Do they have the right training? Do you have the services your clients need? How can you improve

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customer service? What processes and procedures do you have in place? When were they last updated? creativity will give the edge you need to showcase the differentiators in your business? This is shown in products, presentation, display, marketing, tied together with a point of difference. The course of action chosen, with the right planning will determine the outcome. Plan for the now and the longer term. Are trends changing? How do you keep abreast of the most current trends? And so much more.

PROPER PLANNING PREVENT POOR PERFORMANCE

4. Staff training

5. Communication

Often when a business starts up friends and family are asked to help out. This helps with cheap staff and misconception that they know you and will know what you want done. Knowing what staff to hire should be based on skill sets required. The best results are born form staff with 5 key skill sets:

Clearing the mind with proper self-care planned into the diary for specific days and weeks enables clear sustainable goals to be set. Communicate these to staff who have been bought on with the skill sets to be able the delegation of specific responsibilities. Keep communication channels open for continued feedback from the staff who experience the day-to-day challenges and opportunities. When the results are analysed ensure the staff are well briefed on the results and your plans going forward. Encourage interaction with staff to keep them fully engaged. This will free up your time to set strategic direction to grow.

1. 2. 3. 4. 5.

Based on what the position requirements are Any specialist training required. The right attitude to fit in with the team. Standards and values. A comprehensive position description and training as applicable.

3. Analyse the results With each plan put in place be sure to analyse the results. For the most successful results what were the factors that made them successful. What worked better than expected? Why? How? Can it be replicated? What did not work? It is not usually the entire plan but more likely to be one or two aspects that did not perform. Analyse the project in its entirety, then drill down and drill down more until all pieces of the puzzle are explored to ascertain which were the factors that led to the results. Was it one of the basic five right: Products, time, quantity, quality, place? Could it be customer service, lack of training, any marketing that was actioned, logistics, Which of the 5C’s has had the greatest impact on the outcome.

“If the leader of the organization can’t clearly articulate WHY the organization exists in terms beyond its products or services, then how does he expect the employees to know WHY to come to work?” - Simon Sinek If you would like address this in your business book a time for a complimentary Appointment With Purpose (A.W.P.). We will explore your options together. https://calendly.com/deb -fribbins/ appointment-with-purpose

Deb Fribbins Developing Excellence in Business 0400 524 451 deb@debconsulting.com.au FEBRUARY 2024 | FIND GEELONG

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Knowing Your Subject

Rule 3 - BE CLEAR AND CONCISE • Don’t speak too fast • Get to the point quickly, especially if you want the video to be short Rule 4 - BELIEVE IN WHAT YOU ARE SAYING • If you don’t believe in the product then a customer won’t buy it • The camera sees everything and it will see if you are not genuine Product Marketing Alliance defines a Subject Matter Expert as are highly skilled people who’ve developed in-depth knowledge around a product, technology, or process. They tell clients how a product works and how it can help solve their challenges. A good subject matter expert is capable of translating all kinds of features, functions, and concepts into simple terms, sharing their own knowhow with clients. This should be you. By following the simple above rules you will become the subject matter expert and be able to easily win clients and make great videos.

VIDEO PRODUCTION By Allison Groot

When we go to make a video either on our smart devices, laptop or computer there are 2 key things we need to think about: what you are going to say and how you are going to say it. Both of these things can be overwhelming to think about especially when you aren’t confident in your delivery or if it’s a new service or product. Consider starting with the idea • Is it an informative video? Would you like to educate customers on how to use the product? Is it a sales video offering a discount of 10% with every purchase? Can the customer try before they buy? Then what would you like to say about the product? • Do you want to talk about the colours, the way it moves, the ergonomics, how unique it is, maybe even a special feature?

Once you have a clear idea and general flow of what you want to say, think about the tone you want to use. Will it be relaxed with lots of smiling? Do you want it to be informative but light-hearted? Would you like to use comedy or do you want it to be a hard sell?

Quick Tip: If you are time strapped most suppliers have “how to” videos that you can watch and refer customers too. Sometimes the suppliers will give you the video to use on your website - you just need to ask.

If you would like to know more about how Yes Today Media can help you become a subject matter expert or have questions… send us an email or call.

Often we forget some simple and easy rules when making videos and feeling assured that we know what we are doing. Rule 1 - KNOW YOUR SUBJECT • Learn about the product - How it works • Play with it - What does the bottle feel like etc • Try it out - How does it feel, the texture etc • Get other some friends to use it - Get feedback • Become the subject matter expert Rule 2 - BE AUTHENTIC • Talk the way you talk, not the way you think you should talk. If you don’t it will look really awkward on the video

Allison Groot Creative Director yestodaymedia.com.au hello@yestodaymedia.com.au 0403 899 697

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Pure Colours to Inspire Your Life: 2024 Interior Trends For Everyone

PAINTING & DECORATING By Steve Dahllof

Did you spend too much time in 2023 starting at your walls? For many, 2024 was a wakeup call not to put off your dreams any longer. We might have felt disconnected from our community and the outdoors in 2023, and the interior trends of 2024 are all about restablishing that connection to our sense of self, support, and untainted nature. We can’t control events around us, but we can command the inner landscape of our homes. Earthy, neutral tones are the trend of 2024, as people reimagine a calmer, more grounded life. It’s a range of milky almonds, silky cocoons, nutmeg and creamy lattes. You’d be forgiven for thinking the tones of 2024 were ingredients from your pantry. These placid tones are poised to make your homecoming to feel like a day spa, sanctuary or upmarket cafe. Rediscover your home as both relaxing and restorative, and a natural canvas for your family’s self-expression and enjoyment.

A huge space for love and caring blossoms inside a child when they experience the innocent joy of patting their first puppy, kitten, or rabbit. The colours of 2024, too, are tactile, warm and inviting. They have a heartbeat that evokes a memory of simpler, more natural times.

The colour palette of 2024 is a spread good enough to eat. And like a balanced diet, you can bring in rich and fruity colours.

And yet we all crave something a little more exciting, to evoke the thrill we feel when we are truly grateful for feeling alive.

I’ve been painting Geelong’s premier homes for more than three decades, and I always love to work with new clients to help you bring to life the home of your dreams.

The tones of 2024 are earthy, warm, and natural, but that doesn’t mean they are boring. Earthy tones provide the perfect backdrop for eclectic decor to stand out in that perfect Instagram worthy colour pop. The benefit of refreshing your interior paint with earthy tones is that they are colours to endure through the ages. They will be the complementary backdrop to fashionable decor for decades to come.

Consider a plum or eggplant feature wall, or a pinch of paprika or turmeric, to add drama and depth.

We’ve been through a tough year and 2024’s colour selection is here to harken calmer times ahead. Contact me to talk about how to make your home embody the kind of beauty that lasts for centuries.

For more painting advice in 2024 contact Dahllof Painting Services at sjd67@ bigpond.net.au. We will be happy to answer all your inquiries.

You can bring lushness and diversity to your colour palette by adding rejuvenating greens. With the resurgence of interest in sustainability and regeneration, use potplants or decor to allow the forest to flourish at home. FEBRUARY 2024 | FIND GEELONG

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Should you buy a building for your business?

ACCOUNTANT By Anjana Jogi

Tired of paying rent for your commercial premises and considering buying a premises for your business? Owning a building works best if your business is well-established, you have money to invest, and you’re taking a long-term approach – it can take many years for this decision to pay for itself. The advantages of owning a commercial property •

•

You no longer need to worry about dealing with a landlord. You’re the landlord now, so your lease won’t end and you get to make all the decisions about how the premises is used. If you want to make changes to the fitout, it’s up to you. You don’t have to worry about rising rent. Eventually, owning a premises will be cheaper than leasing. When you continue leasing, you can expect the rent to keep going up – sometimes the jump may be substantial.

If your business moves or closes, you still own the building. This can be a highly valuable long-term asset, depending on the type of building and the potential tenants. The advantages business premises •

•

leasing

your

Leasing gives you more flexibility. You can move if your business gets too big for the space, or downsize if more people are working from home. You don’t have to worry about paying building expenses like rates, warrants of fitness, and insurance. Your rent is likely to be lower than the servicing costs for a commercial property loan, boosting cashflow so you have more to invest in the growth of the business. The landlord will take care of repairs and maintenance on your building – when there’s a leak, for example, it’s not your problem. Commercial buildings are typically expensive and financing is costly, so you’ll need to do plenty of research before you decide to make a purchase.

We can run a cost-benefit analysis Could buying a building be the right choice for your business? We can work with you to analyse the costs and benefits of each option, to help you make an informed decision about which one will put you on track to achieve your goals. Get in touch today, we’d love to hear from you.

Anjana Jogi ACCOUNTANT 0430 908 649 info@anjieaccountingsolutions.com.au anjieaccountingsolutions.com.au

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What can’t I use my Meal Entertainment Card for? There are a few things that you can use your Meal Entertainment card for. They are:

How and Where to Use Your Meal Entertainment Card for Salary Packaging Benefits SALARY PACKAGING SERVICES By Dan Nicholls

We all love sharing a meal with loved ones. But did you know you can salary package those meals so you pay less tax? In fact, you can use $2,650 of your pre-tax income on meals and entertainment. You can even claim meals enjoyed overseas. In this article, we’ll cover everything you need to know about using salary packaging to save you money each month by using your Meal Entertainment card. All you have to do is pick which restaurant to go to. How does it work? The meal and entertainment benefit is available to not for profit employers, charitable organisations or anyone who works within the public health sector. Using the Fringe Benefits Tax legislation, qualifying employees can use up to $2,650 of their pre-tax income to pay for meals and entertainment. There are a few exclusions like the fact that food and drinks bought outside a restaurant are excluded, but other than that you’re literally saving money while eating out. It’s all possible through a Meal Entertainment Card, so let’s get straight to that. What is a Meal and Entertainment Card? Meal Entertainment cards are a type of Australian tax office salary packaging that are available to employers who work for the public health service, or those who qualify as not-for-profit employees. The meal and entertainment card allows qualifying employees to expense food and drink, holiday accommodation, and even venue hire while using their pre-tax dollars.

Getting your own meal and entertainment card is easy. They’re available through most salary packaging companies and require a simple application form to be completed. What many people don’t know about the salary packaging meal and entertainment benefits is that they extend way past eating out. Let’s look at all the other benefits you get from having one. Where else can I use my Meal Entertainment Card Once you’ve received your Meal Entertainment Card, you can use it for: Holiday accommodation Your card can even be used to pay for holiday accommodation, including everything from five-star resorts to caravan parks. You can even use your card to pay for cruises. They all meet the accommodation rule and can be salary packaged. Venue Hire You can use your card to pay for venue hire for any event you plan on hosting. This includes everything from 21st birthdays to engagements. Other food and beverages Anything you purchase and consume at special occasions like weddings and birthdays also meet the criteria and can be salary packaged.

• • • • •

Takeaway food Bottle shop purchases Grocery purchases Anything bought at movies or musicals Flights to or from your holiday destination

What else should you know? Here are a few other helpful facts to know about your Meal Entertainment card: -

There is a maximum amount that can be claimed under meal entertainment - that amount is $2,650 per year.

You can use your card on all qualifying expenses when you’re overseas too.

You can even create a virtual version of your meal and entertainment card and keep it in your digital wallet to make things easier.

Salary packaging solutions that suit you Now, you won’t just be saving by salary packaging every month - you’ll also be using your pre-tax income to go out to dinner, book holidays and even venue hire. There really are so many benefits to salary packaging, it makes you wonder why you didn’t do all of this before? When you’re ready to get your Meal Entertainment card, get in touch with CBB The Salary Packaging People. The process is simple and it’ll mean you’ll get even more out of your salary packaging service. As the only not-for-profit provider of salary packaging solutions in Australia, we’re financial experts who support those who help hardworking people make the most out of every dollar they earn - and we’ve been doing it successfully for over 30 years.

Get in touch with a member of our team today and let’s make salary packaging work for you.

And of course, your meals This includes all meals you pay for at cafés, restaurants and hotels. What many people don’t know is that you can also include your family and friends in all of the expenditure above, and if you’re paying for a group you can use the card too.

Dan Nicholls Salary Packaging Services dann@cbb.com.au FEBRUARY 2024 | FIND GEELONG

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Personal Insurance FINANCIAL PLANNER By Warren Strybosch

Financial planning is about protecting your wealth as well as building your wealth. It is easy to think that you won’t get sick or hurt and ignore the need to protect the very thing that generates your wealth - your own health and your ability to work. But if accident or serious illness does occur the impacts can be devastating. It’s worth remembering that no matter how much expert advice you receive or how well you manage your finances there is always a risk that you could suffer an early death or serious illness or injury. Where that leaves you and your loved ones in the future depends on the wealth protection strategy you have in place. Risks you could face in the future may include: • • • • • •

Emotional, physical or mental trauma Death or serious illness Loss of income due to temporary or permanent incapacity Damage to your house or other personal assets Theft of, and/or damage to business assets Public liability and/or professional indemnity risks

Your financial plan should include a strategy to minimise risks that could jeopardise both your present and future plans. In simple terms, if you cannot afford to lose something then you should try to protect your exposure. Insurance can provide a cost-effective protection mechanism.

This may take a combination of personal, general and health insurance policies. There are many different aspects to insurance and it is best to tailor a package that suits your needs as well as your budget. How the Strategy Works Personal risk insurance protects your wealth accumulation strategy by providing money if you are no longer able to earn an income due to disability, trauma or death. The money received can help with medical bills, loan repayments and living expenses. Personal risk insurance protects your wealth accumulation strategy by providing money if you are no longer able to earn an income due to disability, trauma or death. The money received can help with medical bills, loan repayments and living expenses. Many people often underestimate the importance of personal insurance which has led to a problem with underinsurance in Australia. It is important that you consider having enough cover to replace your income and cover expenses so that the personal tragedy does not create financial tragedy. You can apply for insurance to cover you in the event of death, temporary or permanent disability, or trauma (critical illness). Outlined below is a brief outline of types of personal risk insurance. Life Insurance The most common type of cover is life insurance (term life insurance). Life insurance will pay a lump sum to your estate or specific beneficiaries in the event of death or in some cases, on diagnosis of a terminal illness.

The advantage of life insurance is peace of mind that your death will minimise any financial hardship for your loved ones. Life insurance can be used to pay off debts, provide an income for dependents, cover funeral expenses and generally assist in maintaining your family’s lifestyle in the event of your death. With this type of cover, your family would not be burdened by debt and may be protected from selling assets to pay debts or cover living expenses. Total and Permanent Disability Insurance Total and Permanent Disablement (TPD) can prevent you from working and require expensive medical treatment and ongoing care. TPD insurance aims to provide a lump sum if you suffer an illness or injury and you: • • •

Are permanently unable to work again or Are unable to care for yourself independently, or Suffer significant and permanent cognitive impairment.

TPD insurance pays a lump sum which can be used to pay for medical expenses, ongoing care costs and to meet living expenses for you and your family. The definition of TPD can vary and may include options for a range of occupations, including homemakers. Options that you can choose from include: •

Any Occupation TPD: The benefit will be paid if you are unlikely to be gainfully employed in any business, profession or occupation for which you are reasonable suited by your education, training or experience.

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•

This definition is generally less expensive than an Own Occupation definition but for some people, it may be harder to meet.

•

Own Occupation TPD: The benefit will be paid if you are unlikely to ever be gainfully employed in your own occupation. Own Occupation TPD provides a generous definition as it is specific to your occupation and is particularly suitable for specialist occupations. The premiums for this type of definition are more expensive than Any Occupation TPD.

You should discuss your circumstances with your financial planner. Trauma Insurance A serious illness or injury can prevent you from working for a period of time and may require expensive medical treatment. Trauma insurance (also known as critical illness, crisis or recovery insurance) aims to provide a lump sum upon the diagnosis of a specified illness or injury such as lifethreatening cancer, stroke or heart attack. Trauma insurance pays a lump sum that can be used to pay medical expenses and reduce any financial pressure while you focus on recovery. This payment is made regardless of whether you are able to return to work, and is designed to relieve financial pressure at a time when you are under great stress. Child Trauma insurance can be added to your policy to cover a seriously ill or injured child. This provides a lump sum to help you cover medical treatment and eases financial worry for parents who may need to take time off work to provide care. Income Protection Insurance

cost of the income protection insurance. Benefit period: Starting at the end of the waiting period, the benefit period is the maximum time the benefit is paid. Options range from two years, five years or until a specified age such as age 65. Types of contracts include: Agreed value: The monthly benefit is agreed at the time of application and will not reduce even if your income decreases after your policy commenced. This option provides certainty and peace of mind on how much income you will receive. If details of your income are provided at the time of application the benefit can be guaranteed so that no further financial assessment is required at the time of claim. Agreed value contracts are not available to new policy holders from 31 March 2020, however existing policy holders with an agreed value policy will still be able to increase their benefit amount. Indemnity value: The monthly benefit paid may differ to the monthly benefit insured as it will depend on your earnings at the time of a claim. The monthly benefit received will be based on your gross income at the time of claim up to the monthly benefit insured. Details of proof of income will be required at the time of claim. You can generally claim a tax deduction for the premiums paid on an income protection policy (other that any portion of the premium that is attributable to benefits of a capital nature such as physical injury or critical illness) However, income payments received are considered taxable income. Premiums Premiums for all types of personal insurance will vary with age, gender and

smoking status. Occupation and medical history may also affect the cost of premiums. Premium options include: Level premiums: The premium rate is fixed when you start the policy and does not change as you get older except in line with CPI indexation. Level premiums are initially higher (than stepped premiums) but will be more stable over time. This can help with affordability and reduce the risk that premiums will become unaffordable as you get older. Stepped premiums: The premium rate increases each year according to you age. Stepped premiums are initially more affordable than level premiums but over time may become more expensive. However, this option can provide you with flexibility as your needs change over time. Your financial adviser can assist in determining which premium option is most appropriate for you. Ownership Life, TPD and income protection policies can be owned personally or through a superannuation fund. Trauma insurance can be owned personally. When held within a superannuation fund, the policy is owned by the trustees of the superannuation fund, for the benefit of the member. When making a choice of how to own the policy you need to consider the advantages and disadvantages of each option.

Income Protection insurance aims to minimise the financial impact of sickness or injury by replacing income lost during a prolonged absence from work. A monthly benefit will assist you to meet living expenses and debt repayments. Income Protection policies will usually pay a benefit up to 75% of your gross income (some policies may pay higher) after a waiting period. Payments continue for a set term or until you return to work, whichever occurs first. Waiting period: This is the time period that you must be off work before an income benefit is payable. Waiting periods range from 14 days to two years. Generally, the longer the waiting period, the lower the FEBRUARY 2024 | FIND GEELONG

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Inside Superannuation Advantages •

• •

Premiums are paid using contributions into the fund (e.g. employer contributions) or your superannuation savings – this can help to ease a drain on your cash flow. Tax concessions on contributions may reduce the effective cost of the premiums (e.g. salary sacrifice to cover the cost of premiums) In some funds you may be eligible for automatic acceptance (for some cover) which means you will not have to provide evidence of health or income

• •

The claim proceeds are usually tax-free Claim proceeds will be paid directly to you, your estate or nominated beneficiary as appropriate. This ensures the money is available when you and your family need it A wider range of benefits and features may be available Income protection premiums are generally tax deductible

Disadvantages • •

The policies may have less benefits and features than those offered outside superannuation due to legislation restrictions Tax may be payable on claim proceeds, depending on circumstances and rules at the time

• •

Your disposable income will be reduced as you need to pay premiums from your after-tax income Premiums need to be paid from after-tax money and so may be a higher cost to you than premiums inside superannuation

Taxation How insurance premiums and claim proceeds are taxed will depend on the type of insurance policy and beneficiary, but will also depend on whether you choose to hold the policy inside or outside of superannuation. You should seek specialist taxation advice to check the taxation applicable to your circumstances.

Inside Superannuation Premiums

•

Premiums are deductible to the fund

•

Not deductible except for income protection policies

•

Life policy – the proceeds are taxable unless paid to tax dependents TPD – if you are under age 60 when you take this money out of superannuation, tax may be payable Income protection – the benefits are assessable income to you and are taxed at your marginal tax rate.

•

The proceeds from a life, TPD or trauma policy are generally tax-free. However, the benefits from an income protection policy are assessable income and taxed at your marginal tax rate

• •

Application and Underwriting

history or display higher risk factors for developing chronic illness such as being overweight or high blood pressure. In some cases, the life insurance company may apply an exclusion to your policy. For example, a decision may be made to not cover your for high risk activities and sports or a pre-existing injury/illness. This means that if an event occurs that is excluded, the benefit under the policy will not be paid. Many policies are guaranteed renewable. This means that as long as you pay the premium you will continue to receive cover regardless of any changes in your circumstances or health. If you do not pay your pre miums, your insurance will lapse. Some life companies may provide a short window of opportunity to pay your overdue premiums to maintain the cover if you have missed the due date. If your policy lapses and your health or circumstances have changed it may impact on your ability to get the same cover at the same premium.

When applying for insurance you will need to complete an application form providing both personal and medical information so that the underwriter can assess the application. Some applicants may also need to undergo a medical examination and/or blood tests or a report may be requested from their usual doctor to determine whether to accept It is important to understand the benefits or decline the cover. included in your policy, and optional extras. Benefits included are at no extra Depending on your circumstances and cost however optional extras may health you may be asked to pay an increase your premium. Your financial additional premium, known as a loading, adviser can discuss the features of the if you have an unfavourable medical recommended policy with you.

Warren Strybosch 1300 88 38 30 | warren@findwealth.com.au www.findwealth.com.au Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth & Find Retirement. Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliancegroup https://www.centrepointalliance.com.au/ Warren Strybosch is Authorised representative (No. 468091) of Alliance Wealth Pty Ltd. Services offered are superannuation, retirement planning and aged care advice. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

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Beat the sugar cravings

sugar cane which means you not only miss out on those nutrients, but you also miss out on the natural mechanism that helps you to say “no”. The empty carbohydrate Carbohydrates are a great form of energy and particularly important for children as they grow, or for those that are active. But not all carbohydrates are equal. Fruit and vegetables also contain high amounts of energy, but have the added benefits of vitamins, minerals, and fibre. Since unused carbohydrates are stored as body fat, there is little to gain by using sugar as an energy source, and there are so many other negative effects of sugar on your health. Is your gut bacteria working against you? Along with fruit and vegetables, wholegrains and legumes are also energy sources that contain minerals and fibre. These foods give both the energy you need to function as well as the added benefits of these nutrients. What’s interesting is that the fibre here acts as a fuel for the beneficial bacteria in your gut, keeping you healthy; but the harmful bacteria actually feeds on sugar and works to increase your sugar cravings. Going cold turkey What’s interesting is that once you cut out sugar from your diet, it’s no longer appealing. Your taste buds get used to enjoying naturally sweet foods and sugar just doesn’t taste nice anymore. But getting to that point is where the difficulty lies. If you decide to go ‘cold turkey’, you will likely have around 3 days where your cravings ramp up and your self-control is genuinely tested. If you prefer to take your time and slowly reduce your sugar intake, it will be an easier ride, but it will take longer. Neither way is right or wrong, choose what will work best for you. Extra support

NATUROPATH By Kathryn Messenger

Maybe it’s too many parties over Christmas and New Year, or maybe you’ve been struggling with this for a while. One thing for sure is that sugar is addictive, and it can be really hard to say no.

Sugar addiction Have you ever noticed the difference between your cravings for sugar compared to naturally sweet products? The sugar craving seems to be unsatiable, whilst with honey or dried fruit, you get to a point where you just don’t enjoy it anymore and so you stop eating it. This is because sugar has been stripped of the vitamins and minerals found in natural

If you find the temptations all too hard and need some extra support, I have recently put together a list of 15 Ways to Beat Sugar Cravings, and you can download it on my website.

amanda@vanbeveren.com.au

FEBRUARY 2024 | FIND GEELONG

GEELONG COUNCIL NEWS 2024 EVENTS

SERVICES

JOBS & MORE

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2024 Youth Council

Announced

Junior Mayor Hteemoo Yohellaymusaw said it is an honour to step into the role of Junior Mayor for the Geelong community. Junior Mayor Hteemoo Yohellaymusaw: Together with the Council, my commitment is to advocate for every young person in our diverse community. I believe that by working together, the Youth Council can make a real impact. My goal as Junior Mayor is to engage and collaborate with fellow community members to address the challenges and opportunities that lie ahead and create a brighter and more inclusive future for everyone.

The Youth Council contains three representatives from each of the four council wards: Bellarine, Brownbill, Kardinia and Windermere, with Wednesday’s induction session signalling the formal commencement of their 12-month term. A term on the Youth Council offers invaluable opportunities for young participants to actively engage with and learn about civic and democratic processes. Simultaneously, it provides Council with a unique channel to seek advice and input from the youth on matters that directly impact them.

Twelve young people passionate about making a difference in the community were inducted into the 2024 Youth Council on Wednesday.

Greater Geelong Mayor Trent Sullivan congratulated the newly elected Youth Council members, recognising the honour and considerable responsibility that comes with being appointed as At the group’s first official event at City Hall, youth councillors. Hteemoo Yohellaymusaw was elected by her peers to lead the Youth Council as the Junior Mayor. Geelong Mayor Trent Sullivan: Supporting her in this significant role is Deputy Junior Mayor, Mercy Antanasio. Acting as an advisory committee to Council, Youth Council consists of 12 members aged between 12 and 17 that meet monthly to discuss important issues such as mental health, climate change, diversity, and inclusion. Additionally, the Youth Council publicly release a quarterly report, with recommendations and advice to Council on matters relating to young people.

“There are about 20,000 young people aged between 12-17 in Greater Geelong, and to represent and advocate for them and matters relating to youth is an important role. I hope the youth councillors enjoy their term and use the opportunity to connect with like-minded peers and discover more about themselves, the organisation, and our community.”

Beyond their advisory responsibilities, Youth Council members actively participate in training and development session, are invited to Council events, and take part in the Councillor Connect Mentoring program. The Youth Council members for 2024 are: Bellarine Emily Wolfe (15) Shaney Jacobs (16) Megan Watson (15) Brownbill Mercy Antanasio (15) Sebastian Roberts (13) Bee Chugh (15) Kardinia Friday Nuneza (15) Elsie Lloyd (13) Georgia Johnston (14) Windermere Dean Smilevski (15) Amelia Leach (15) Hteemoo Yohellaymusaw (16) FEBRUARY 2024 | FIND GEELONG

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Young Minds Unite in the Co-design of a Vibrant Youth Hub in Central Geelong The co-design process for a Youth Hub in central Geelong is well underway with the recently elected 2024 Youth Council contributing their feedback. An information session for young people, parents and other interested community members will take place Thursday 1 February from 4.30pm-6pm and codesign workshops will be held with young people (12-25 years of age) at the future Geelong Youth Hub site (corner Gheringhap Street and Transit Place) on Monday 19 February, 4.30pm-6pm and Wednesday 13 March, 4.30pm-6pm. The project is being made possible thanks to $400,000 of funding provided to the City under the Victorian Government’s Youth Hubs grant program 2022-23, to support the establishment of a youth hub in central Geelong.

Deputy Mayor Anthony Aitken: The insights and perspectives from young people across the region will help define the space, and the type of activities, programs, and services that will be offered. We want to encourage our young people to have an influence on the projects and decisions that will impact them and their peers. Christine Couzens State Member for Geelong: It is great to see the works of the Youth Hub come together, after years of ideas and visions that the members from the Youth Council have put in. I am very excited to see what this will bring for our youth in Geelong and wider community.

Junior Mayor Hteemoo Yohellaymusaw: We want to make sure that the voices of other young people are heard, and we’re really open to taking on feedback and ideas from across the community. The City has committed to the establishment of a Geelong Youth Hub and allocated the Busport building for the two-year Geelong Youth Hub pilot starting in January 2025 running until December 2026.

The groundwork for this initiative was laid through collaboration with the Youth Council during the development of the Geelong Youth Hub Feasibility Study in 2022. To learn how to register for the information session or co-design workshops visit our Geelong Youth Hub page. By competing the survey, you could win a $50 voucher, terms and conditions apply. The online engagement runs until 15 March.

Co-design is a collaborative journey where diverse perspectives converge, fostering innovation and inclusivity to shape solutions that resonate with the collective needs and aspirations of a community.

New project gets tails wagging at Aldershot Reserve The City of Greater Geelong will build a fenced dog park at Aldershot Reserve in St Albans Park with the help of funding from the Australian Government. The project is a key element of the Aldershot Reserve Master Plan endorsed by the Council in 2021. Deputy Prime Minister and Federal Member for Corio the Hon. Richard Marles said: “The Albanese Government is thrilled to announce in partnership with the City of Greater Geelong that the local communities and their fourlegged friends will be able to enjoy a new fenced dog park at Aldershot Reserve. Dog parks are a key part of local communities not only for pets but owners alike. We have a growing number across the community and we look forward to seeing this recreated at St Albans Park.”

Mayor Trent Sullivan: “I extend my thanks to the Australian government for its $852,133 allocation via phase 3 of the Local Roads and Community Infrastructure (LRCI) fund. Aldershot Reserve is a place where many people like to exercise their dogs, and a fenced dog park was a frequent request during the development of the reserve master plan. We’ve seen the huge popularity of the fenced dog park in Belmont and we’re pleased to now deliver a facility for the community in Geelong’s eastern suburbs.”

The fenced dog park was placed on hold via the Council’s 2023-24 budget process due to rising construction costs but can now be immediately reinstated in the City’s capital works program.

The park will feature a mixture of surfaces with separate areas for active and passive dogs, and works will include external connecting paths, internal paths, landscaping, park furniture, fencing and drainage. The City has also recently gathered community feedback to help in the upcoming renewal of the playground within the reserve.

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Last year, Visitor Information Services volunteers Sandra Lovell, Ian Shimmen, Jenny Monaghan, Sonja Zolfel and Des Harris reached an incredible milestone of 30 years of service each.

Sandra Lovell I’ve lived in Geelong my whole life and like to share what I think is good with visitors. There was an ad in the paper for the first intake of volunteers.

Showcase Greater Geelong with a smile The City is seeking friendly and helpful community members who are interested in becoming a tourism volunteer. Our knowledgeable Geelong and Bellarine Visitor Information Services volunteers are often the first point of contact for those visiting our region. They happily answer questions, offer directions and provide maps and brochures at our Geelong Visitor Information Centre at City Hall and The Carousel. The team clinched gold in the ‘Outstanding Contribution by Volunteers’ category at November’s 2023 Victorian Tourism Awards for their instrumental role in growing visitation for Greater Geelong. The team is made up of more than 60 passionate volunteers who dedicate their time to ensuring tourists enjoy their visit here and make the most out of everything our region has to offer.

Mayor Trent Sullivan The team is looking for community members who want to connect with others and help promote Geelong and The Bellarine. Not only does volunteering make an invaluable contribution to the City and the community, but it provides social benefits for those involved and the chance to give something back to the community in which they live. Our volunteers are proud locals who are passionate about their backyard and are happy to showcase Geelong and the region to our visitors. If you are interested in people and would love to pass your love of Geelong and The Bellarine, volunteering with us could be for you.

I had just finished playing tennis and was wondering what I was going to do on a Tuesday, and thought that volunteering sounded perfect. My favourite thing about volunteering is meeting people and helping them.

Tracy Carter, Executive Director Tourism - Greater Geelong & The Bellarine Volunteers servicing Visitor Information Centres are often the first point of contact for many tourists arriving in the region. By delivering up-to-date information on where to eat, sleep and explore, our volunteers serve as valuable ambassadors for the destination and play an integral role in enhancing our Visitor Economy, ensuring our region remains a worldclass destination for those seeking memorable travel experiences.

Visit the Tourism Greater Geelong & The Bellarine website to read more about the volunteer role and apply.

MORE NEWS AND UPDATES

Jobfind sponsors fleet vehicle as Council celebrates 15 years of TAC L2P program

Geelong Gears Up for Weekend of Major Events

Switch your business to 100 per cent renewable energy and save FEBRUARY 2024 | FIND GEELONG

2023 TAX UPDATES Small Business Energy Incentive to Become Law Businesses with an aggregated turnover of less than $50 million will be entitled to a 20% deduction for expenditure that supports electrification and more efficient use of energy. This bonus deduction will be available for expenditure incurred from 1 July 2023 until 30 June 2024. The additional deduction will be available for eligible expenditure of up to $100,000 and is therefore capped at $20,000 for each business.

Announcement(2-May-2023) Consultation(4-Jul-2023) Introduced(13-Sep-2023) Passed Royal Assent

The temporary measure will apply to eligible assets or upgrades first used or installed ready for use between

Date of effect

1 July 2023 and 30 June 2024. A Bill proposing this measure has been introduced in the parliament and awaits approval.

Small Business Instant Asset Write-off — deduction Threshold Set to Increase A Bill proposing to increase the instant asset write off threshold in Div 328 of ITAA 1997 from $1,000 to $20,000 has been introduced in the Parliament. Originally announced in the 2023 Federal Budget, the increased threshold applies from 1 July 2023, and once enacted, small businesses with aggregated turnover of less than $10 million can immediately deduct the full cost of eligible assets.

Announcement(9-May-2023) Consultation Introduced(13-Sep-2023)

This proposed measure applies to the cost of eligible depreciating assets, second element costs and

Passed

general small business pools.

Royal Assent Date of effect

Eligible assets must be first used or installed ready for use between 1 July 2023 and 30 June 2024, and the write-off applies on a per asset basis.

ATO finalises guidance on the deductibility of costs relating to holding vacant land From 1 July 2019 onwards, s 26-102(1) of ITAA 1997 denies certain taxpayers a deduction for expenses relating to holding vacant land. This also extends to vacant land on which there is no substantial and permanent structure in use or available for use. Announcement(27-Sep-2023)

The finalised Taxation Ruling TR 2023/3 provides the ATO’s view on when there is a substantial structure on land or the land is used in carrying on a business, and the deductibility of expenses relating to holding such

Consultation period Released

land. This tax ruling applies to individuals, SMSF trustees, private trusts and partnerships comprising any of these, but not to companies and managed investment trusts.

Payday super - commencement of consultation process As part of the 2023–24 Federal Budget, the government announced the introduction of “payday super”. Aiming to provide better retirement outcomes for employees, from 1 July 2026, employers will be required to pay their employees super at the same time as their salary and wages. This measure aims to increase transparency for employees as well as increase early deduction and compliance actions by the ATO for any unpaid superannuation entitlements.

Announcement(24-Jan-2023) Consultation(9-May-2023) Introduced(13-Sep-2023) Passed

Increased payment frequency of superannuation will also provide additional time in the superannuation fund for employees to benefit from compounding returns. The Treasury commenced consultation for this measure on 9 October 2023 to receive feedback from industry groups and stakeholders.

Royal Assent Date of effect

2023 TAX UPDATES Update on NALI Amendments for SMSF General Expenses The non-arm’s length income (NALI) measure announced by the Coalition government in 2022 will be amended to provide greater certainty to taxpayers. Announcement(2-May-2023)

The intention of the proposal is to include a factor-based approach for trustees to be able to adequately calculate the amount of SMSF income that is NALI income. This factor-based approach applies to a situation where general expenses of the fund are not at arm’s length amounts.

Consultation(9-Oct-2023) Introduced Passed Royal Assent Date of effect

The factor-based approach would apply to general fund expenses incurred after 1 July 2023.

ATO provides guidance on depreciation of composite items The ATO has released guidance on whether an asset that is made up of a number of components (a composite item) is itself a depreciating asset, or whether one or more of its components are separate depreciating assets. The Draft Taxation Ruling TR 2023/D2 provides the Commissioner’s view on identifying the relevant

Announcement(3-Oct-2023)

depreciating asset and hence its effective life and depreciation rate for the purposes of Div 40 of ITAA 1997.

Consultation period

Guiding principles have also been provided to help ascertain the level of “interest in the underlying asset”

Released

and apply the decline in value provisions for the purposes of s 40-35. This Ruling does not address Div 43, which provides deductions for certain capital works expenditure.

Off-market share buy-back legislation passed by Parliament Legislation amending off-market share buy back provisions for listed public companies has been passed by the Parliament and awaits royal assent. This measure, once enacted, will align the tax treatment of offmarket share buy-backs and on-market share buy-backs. An on-market buy-back generally happens if the share is listed on a stock exchange and the buy-back

Announcement(17-Nov-2022)

transition occurs through the stock exchange. Any other type of buy-back is considered an off-market

Consultation(17-Nov-2022)

buy-back. This measure will ensure that the buy-back price does not include any dividend payments (potentially frankable) when a listed public company conducts an off-market share buy-back of shares or non-share equity interests. It will bridge the capital benefit gap created by franking credit offsets received

Introduced(16-Feb-2023) Passed(16-Nov-2023) Royal Assent Date of effect

by shareholders. This measure excludes off-market share buy-backs undertaken by private companies and companies that are listed on a stock exchange but are not widely held.

Non-commercial losses and the Commissioner’s safe harbour extended Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business

Announcement(11-May-2022)

has been directly affected by floods, bushfires or the COVID-19 pandemic.

Consultation period(21-Jun-2022) Released(14-Sep-2022)

The business will be required to show necessary evidence to support using the safe harbour. The safe harbour applies for the 2019–20, 2020–21, 2021–22, 2022–23 and 2023–2024 income years. FEBRUARY 2024 | FIND GEELONG

FEBRUARY 2024

Geelong

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NOT-FOR-PROFIT OF THE MONTH

In the vast landscape of social challenges faced by children, Friend In Me, an Australian charity founded in 2016, stands out as a beacon of hope. The organisation’s roots delve deep into the empathy stirred by a mother’s poignant narrative about her son’s isolated birthday party. What began as a compassionate response evolved into a movement addressing social exclusion and fostering inclusivity for thousands of children and their families. Louise Larkin, the driving force behind Friend In Me, was profoundly moved by a mother’s account of her son’s birthday party, where no one showed up. This heart-wrenching revelation propelled Louise to take action against the pervasive issue of social exclusion impacting Australian children. Motivated by a sincere desire to make a difference, Louise orchestrated a special event for children who had experienced exclusion. The response exceeded all expectations, with over 2000 children and parents attending. This event marked the modest beginnings of Friend In Me, highlighting the power of community and the profound impact that a single act of kindness can have. From its humble inception, Friend In Me has undergone exponential growth, surpassing the anticipated outcomes of the initial event. What began as a one-time gathering has transformed into a movement, drawing participation from thousands of individuals in the charity’s events. Friend In Me brings attention to a disconcerting statistic: about one in every six Australian children experiences social exclusion. However, the true figure could be higher, given that social exclusion often occurs covertly. The charity has become a formidable advocate for disadvantaged and at-risk children, tirelessly combating inequality and exclusivity.

FEBruary 2024

Louise Larkin envisions Friend In Me as a catalyst for change, determined to ensure that every child, regardless of background, can live a life filled with opportunity and acceptance. She emphasises the importance of education and understanding, stating, “Educating yourself, asking questions, and being open to understanding the diverse challenges people face is pivotal to building a better world for every child.” Since 2017, Friend In Me has successfully raised $500,000, a testament to the community’s support for their mission. The organisation aims to raise an additional $100,000 to fund community events, online education programs, and local play spaces. The commitment to financial transparency and accountability has garnered support from various sectors, including the proud endorsement of. Thank you to amazing organisations like CATCH who Friend in Me were so honoured to be a part of their Round Up Program have allowed Friend in Me to have funds where we can continue our mission of ‘Creating an inclusive world so no child feels left behind.’ Friend In Me organises various initiatives, including Family Fun Days, Community Days, workshops, and programs aimed at educating the local community about the importance of creating accepting environments for all children. These events notonly offer a day of joy and laughter but also serve as platforms for building understanding and breaking down barriers.

Friend In Me recognises the significance of physical spaces in shaping childhood experiences. The organisation aims to fund local play spaces that are designed to be inclusive, ensuring that all children, regardless of their background, have access to safe and welcoming environments for play and socialisation.

The heart of Friend In Me’s mission lies in their Family Fun Days. These events are designed to provide children, who may have felt excluded in the past, with an opportunity to create lasting memories in an atmosphere of acceptance. Families come together, forging connections and friendships that extend beyond the events themselves. These events go beyond the boundaries of individual families and neighborhoods, fostering a sense of unity that is essential for creating a more inclusive society. Friend In Me recognises the importance of education in fostering long-term change. The organisation conducts workshops that aim to educate the local community about the challenges faced by disadvantaged children and how everyone can contribute to creating a more inclusive environment. By empowering individuals with knowledge, Friend In Me seeks to create advocates for change in every corner of society. In an era where connectivity knows no bounds, Friend In Me has expanded its reach through online education programs. These programs not only cater to the local community but also extend their influence to a broader audience, encouraging a global conversation about the importance of inclusivity for all children.

Friend In Me, under the compassionate leadership of Louise, has emerged as a force for positive change in the lives of Australian children. From the initial event that sparked the organisation’s creation to the ongoing commitment to inclusivity, Friend In Me continues to grow, inspire, and make a lasting impact. The charity’s dedication to combating social exclusion, fostering understanding, and creating inclusive spaces is not only transforming individual lives but also contributing to building a more compassionate and accepting society for all. As Friend In Me looks toward the future, the hope is that their movement will continue to gain momentum, creating ripples of change that extend far beyond the borders of Australia.

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Join Us and Help Your Community Here in the Greater Geelong area, we are seeking volunteers to assist Neighbourhood Watch with various projects across the Greater Geelong area. Can you spare an hour or two a month? Want to help make your neighbourhood a safer, stronger and better place to live? Join your local Neighbourhood Watch group and become part of our family. By volunteering with your local group, you join thousands of Neighbourhood Watch volunteers across Victoria, who are helping residents feel safer and more connected to their community. We have more than 190 Neighbourhood Watch groups across metropolitan, regional and rural Victoria – both online and face-to-face. Who can join Neighbourhood Watch? Anyone can become a member of Neighbourhood Watch. All we ask is that you’re committed to working alongside your neighbours and fellow community members to help make the place where you live safer, friendlier and more vibrant. How much does membership cost? It’s totally free to join. Why do people join? People get involved with Neighbourhood Watch for many different reasons, whether it’s to improve security around their home, wanting to make their neighbourhood safer, be part of a local group and meet new people or make a difference in their community. Neighbourhood Watch helps you connect with your neighbours and others within your community who share the same desires. What are some of the benefits of joining? As a Neighbourhood Watch member, you will have access to: •

• •

•

• •

•

Regular email updates about Neighbourhood Watch activities, crime prevention information and resources, and news from our partners. Advice about groups and membership. Information on local crime statistics and trends for your area, along with information and updates on local issues and activities. Tips and advice on crime prevention, personal and home security, identifying and reporting suspicious behaviour and getting to know your neighbours Exclusive forums, workshops and training, with a range of interesting guest speakers and presenters. Opportunities to volunteer your time and skills on a diverse range of activities and events to help make your community safer and friendlier. A host of ready-made resources on crime prevention and building communities, so you are more equipped to help tackle important issues in your community. What sorts of things would I do if I become a member? There are roles in Neighbourhood Watch that cater for your skills, energy and interests. There literally is something for everyone. Some of the things you may do include:

• • • • • • •

Directly support the police in reducing crime in your local area. Deliver newsletters and other crime prevention information to households in your area. Help at community events with distributing material and sharing information on Neighbourhood Watch, crime prevention, home security and personal safety. Assist with crime prevention activities such as installing theftresistant screws on car number plates or engraving bikes and other valuables for easy identification. Help produce a Neighbourhood Watch newsletter for your local area. Help manage your group’s local Facebook page. Taking a management role in your local group including being Chair, Secretary or Treasurer.

How much time do I need to commit? How much of your time you give, is totally up to you. What sort of activities do local groups do? Some of the programs and activities our groups undertake include: • • • • • • • • • • • • •

Creating and distributing community newsletters Holding Safe Plate (installing theft-resistant screws in car number plates) events with local police. Hosting community forums on local crime and safety issues Being involved in community safety expos Marking valuables to deter thefts Preventing and removing grafitti Sharing local crime data and crime prevention information Running junior Neighbourhood Watch programs in schools Running Neighbourhood Watch information stands and crime prevention activities Coordinating community conversations and Coffee with a Cop events Operating lost children services at local community events Staging neighbourhood meet and greet barbecues Holding tradies’ breakfasts

Join us today Volunteering with your local Neighbourhood Watch group is heaps of fun. You’ll meet new friends and feel like you’re making a positive contribution to your community. So, get in touch today. We’re ready to welcome you! Find out more at https://nhw.com.au/find-a-group/ or https://nhw. com.au/get-involved/start-a-group/

UPCOMING EVENTS CORIO SAFE PLATE DAY – Corio Village Shopping Centre Sunday February 4, 12 noon to 3pm. Corio Police. SES and Neighbourhood Watch will be promoting crime prevention in relation to number plate theft in the Corio area, where we will fit one way screws to vehicle registration plates to prevent theft. A FREE service. THE BIG SAFE PLATE BLITZ – Neighbourhood Watch aims to secure 6,000 or more number plates with tamper proof/one-way screws. Geelong and Surf Coast events are: TORQUAY BUNNINGS 10am to 2pm on 21st APRIL 2024. NORTH GEELONG BUNNINGS 10am to 2pm on 18th MAY 2024. FEBRUARY 2024 | FIND GEELONG

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1 in 20 children aged 5-18 in Australia experience the death of a parent before their 18th birthday (ABS 2019 census data); that is one child in every classroom in the State of Victoria. Wombat’s Wish is a grassroots charity based in Drysdale, that supports children and young people who have experienced the death of a parent in Victoria. Wombat’s Wish is one of the only specialist services offering professional support to children/young people in Victoria. This is an extremely difficult time for them and their family, potentially resulting in long-term emotional health problems. We assist bereaved children to find a way to live with loss and grief, move forward and take the next steps on their bereavement journey. Wombat’s Wish operates this valuable service by providing weekend grief programs for children and the surviving parent/carer as well as 1:1 or group counselling support at no cost to the families or children. The service is therapeutic, provided by a team of professional facilitators (psychiatrists, psychologists, social workers, and youth workers) in conjunction with trained and qualified volunteers.

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Do you have an upcoming events? 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.

FEBRUARY 2024 | FIND GEELONG

4 2 0 2 Y R A U R B E

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.

BOWLS

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.

GOLF

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.

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.

in the spotlight Getting to know your find Geelong contributors Warren Strybosch

• Accountant • Founder of Find Geelong

Warren Strybosch is the Founder of the ‘Find Group’ of companies offering the following services: Tax and Financial planning advice. H specialises in the preparation of tax returns e.g. sole trader, compan and SMSF tax returns. He has been short- listed for many awards ov across tax and financial planning.

As a professional accountant & financial advisor, Warren provides h with the aim to put their needs first and foremost. He has a great tea he does.

Warren’s ideal client would be someone who runs their own SMS accountant to manage their tax returns each year.

warren@findfoundation.com.au

www.findaccountant.com.au

He ny, trust over the years

his clients with honest and appropriate advice am behind him that supports him in everything

SF or business and would like an affordable

GEELONG LOC

Experience the vibrant tapestry of cultures at Pako Street, Geelong West...!

It is an immersive celebration of music, dance and a kaleidoscope of traditions and cultures that make by the energy, creativity and unity that define this m love Geelong staple in the events calendar.

Don’t miss out on the cultural spectacle of the yea year on 24 February 2024...!

CAL EVENTS

Festa – where diversity comes alive in Pakington

flavours from around the world representing the e up the City of Greater Geelong. Be swept away multicultural extravaganza and has been a much

ar and be part of the Pako Festa experience this

FEBRUARY 2024

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Summer of Fun Event Series by Swim Sport & Leisure Summer of Fun is back with a series of free family fun days brought to you by Swim Sport & Leisure. This program features free entry, sausage sizzles, music and activities from 12 noon at a different centre on Sundays throughout the school holidays. See dates and locations below. See you there for a splashing good time...! Sunday, 4 February 2024 Contact Email: eventsgeeloong@geelongcity.vic. gov.au Associated organisation: Swim Sport Leisure Website: http://wwwleventsgeelong. com.au Follow us: http://www.facebook.com/ eventsgeelong http://www.instagram.com/ eventsgeelong

Embark on a journey of discovery with our exclusive event, where the possibilities are as boundless as your wanderlust. Join us for a day of excitement, featuring the chance to win incredible giveaways, enlightening free seminars on diverse destinations and cruises, and the expertise of travel advisers ready to guide you through a plethora of enticing products. Be the first to seize the opportunity with exclusive on-the-day offers, ensuring you secure the best deal for your next adventure. Don’t miss out – your next unforgettable journey awaits! Guest Speakers • Ray Martin • Costa Georgiadis • Gabriel Gate Free entry, come along for great deals only available on the day from local familyowned business. Contact Phone: +61 3 5244 3666 Associated organisation: Geelong Travel Website:http://www.geelongtravel.com.au Follow us: http://www.facebook.com/geelongtravel https://twitter.com/Geelong_Travel

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Geelong Wine Walk The Geelong Wine Walk supporting the APCO brings some of Victoria’s finest wineries, distilleries and breweries to the heart of Geelong on Saturday 10th February 2024. Get ready for an afternoon of exceptional wine, gin, beer and delicious canapes together with great local entertainment! The annual event is held at eight great venues this year along the Little Malop precinct and surrounds. Wine Walkers can enjoy a self-guided tour at their own leisure and sample the wares of an exciting list of producers. Each venue will be matched with different producers for multiple tastings as you make your way along the route. The APCO Foundation was established in 2013 by the Anderson sister’s and has donated over 1.7 million dollars back into the communities around the APCO stores. When 10 February 2024, 11:00 AM - 05:00 PM Where Wadawurrung Country, Various Locations Cost Admit one: $130.00

Per Person. Inclusive of : tastings, canapes and exciting live entertainment at all eight venues, as well as your own tasting glass and tote bag.

Contact Jade Augustine Email: apcofoundation@apco.com.au Phone: 0408 489602 Website: www.apcofoundation.com.au Follow us: www.facebook.com/ geelongwinewalk

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Fireball World Championships Geelong set to host the Fireball World Championship held in February of 2024. The Fireball is a high-performance, two-person dinghy offering exciting sailing, intense competition and a great social atmosphere off the water. With 18 National associations in Australia, Europe, North America and Asia, the 2024 Worlds are expected to be hotly contested by a strong international fleet. For competitors the Notice of Race (NoR) will be issued in April of 2023 via 2024.fireballworlds.com.

Visiting Geelong for the Fireball World Championship Corio Bay offers the perfect sailing conditions with its proximity to some of Australia and Geelong’s greatest tourist destinations including The Bellarine and Great Ocean Road. The Greater Geelong region is an ideal location with many visitor drawcards including award-winning wineries, boutique food producers and outdoor adventures for family fun. For more information keep an eye on this platform or Visit Geelong and The Bellarine for details on accommodation and more.

Moorpanyal 1000

When Daily from 05 February 2024 to 16 February 2024 Contact Email: info@rgyc.com.au Phone: +61 3 5229 3705 Associated organisation: Royal Geelong Yacht Club Website: http://www.rgyc.com.au Follow us: http://www.instagram.com/ royalgeelongyachtclub http://www.facebook.com/ royalgeelongyachtclub The Moorpanyal 1000 is an annual open water swim that has been running for over 20 years and takes place at North Shore beach. It is known as the biggest open water free swim in Australia with over 100 participants braving the 1 kilometre route that sends swimmers out ‘to the beacon and back’. Prizes for all six categories and a free BBQ after the swim - it’s a great day for everyone. When 17 February 2024, 09:00 AM - 12:00 PM Contact Associated organisation: North Shore Residents Group Website: http://www.moorpanyal1000.com Follow us: https://www.facebook.com/ Moorpanyal1000

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Date and time

Geelong Racecourse

Sat 17th Feb 2024, 11:00 am - 3:00 pm AEDT

99 Breakwater Rd, Breakwater VIC 3219, Australia

Friend in Me Family Fun Day - Geelong 2024 Proudly sponsored by our major Event Partner The Bisinella Group, Friend in Me is hosting its 8th Annual Family Fun Day. Our signature fundraising event will be held at the Geelong Racecourse. An all ability event that will see the magic in the eyes of all children where they can laugh, dance and more importantly create life long memories. With entertainment on the main stage, to roving entertainment, food trucks and so much more this is one event you don’t want to miss. FREE – $32 AUD + BF

Get tickets

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Wildlife Photographer of the Year 59

The world-renowned exhibition on loan from the Natural History Museum London is on display at the National Wool Museum. See the world through a new lens. Explore the planet’s habitats, from sprawling urban metropolises to the deep polar seas, and meet the creatures that rely on these places. Come face to face with species at risk of extinction as well as those we’ve brought back from the brink. See first-hand how human activities, both good and bad, are shaping the natural world we rely on. With soundscapes, videos, expert insights and stunning photography, you’ll leave not only awe-inspired by the beauty and diversity of nature but also hopefully with a renewed drive to do what you can to protect it. Daily from 08 December 2023 to 19 May 2

Book your tickets online

Members get free entry: become a member

08 December 2023, 10:00 AM - 05:00 PM National Wool Museum Wadawurrung Country, 26-32 Moorabool Street, Geelong VIC

Contact Email: nwminfo@geelongcity.vic.gov.au

FEBRUARY 2024 | FIND GEELONG

FEBRUARY 2024

For inquiries call 1300 88 38 30

or email the editor@findgeelong.com.au

SPORTS NEWS & EVENTS

FEBRUARY 2024

Dangerfield, Stewart to Lead Again in 2024 Click here to enter Since debuting in 2008, Dangerfield, an 8x All-Australian, has played 321 games, including 167 for Geelong, having won three Carji Greeves Medals (2016, 2017, 2019), a Brownlow Medal (2016), and in 2022 was a key member of the Cats’ 2022 premiership winning team.

Patrick Dangerfield and Tom Stewart will again lead the Cats into the 2024 season as captain, and vice captain respectively. Dangerfield became Geelong’s 54th VFL/AFL captain last season after sharing the vice captaincy with Stewart in 2022 and having served in the role under former captain Joel Selwood since the 2017 season.

To coincide with the confirmation of the Club’s leaders for 2024, fans who sign up as a 2024 member before the end of January will have the opportunity to win a spot in the team photo alongside Dangerfield and Stewart this February.

“I was very happy; I was honoured, honestly, it was quite a shock,” Favell said. “It is going to help me a lot with my studies going forward and being able to play football and do everything that I want to do. It just takes a bit of the pressure off with the rest of my activities.

Abby Favell has been awarded the den Hollander Geelong Cats VFLW Scholarship through Deakin University

The scholarship has been awarded annually through the generosity of Jane and Jeroen den Hollander to an emerging player within the Geelong VFLW program who is also a student at Deakin University. Jane den Hollander was the Vice-Chancellor at Deakin from 2010 to 2019 is a strong believer in the power of education to change the lives

On the field, Stewart’s resume speaks for itself, having collected five All-Australian blazers, a premiership in 2022, and last season, became a dual Carji Greeves Medallist after averaging 23.2 disposals, 8.3 marks, 8.4 intercepts, and 7.2 rebounds per game, reinforcing his position as one of the game’s elite defenders.

Favell, who is about to enter the fourth year of her Occupational Therapy course, said she was thrilled to receive the scholarship.

Favell Awarded den Hollander Scholarship

Geelong VFLW midfielder Abby Favell has been awarded the den Hollander Geelong Cats VFLW Scholarship through Deakin University, following her impressive first season at the club in 2023.

Stewart’s leadership potential was also recognised early in his tenure at GMHBA Stadium, joining the Cats leadership team in 2019 after debuting for the Club in 2017.

“I’m studying Occupational Therapy and I’ve just finished my third year. I love it. I definitely think it’s what I want to do. It’s lots of placements and lots of hard units, but I think in the end it will be worth it.

of individuals and communities. The den Hollanders are also strong advocates for gender equity, including in sport.

“It’s a very broad field, so I’m sure that I’ll have a job waiting for me for the rest of my life, which is really exciting. It’s a degree that offers you lots of opportunities.”

Favell crossed to Geelong in 2023 after stints with the Hawthorn VFLW program and the Murray Bushrangers, joining the Cats’ VFLW leadership group in her inaugural season in the Hoops.

Deakin University is the Official Education Partner of the Geelong Cats and are proud co-major partners of the Club’s AFLW program.

Established in 2019, the scholarship boasts Cats AFLW stars Nina Morrison and Becky Webster among its recipients and aims to make studying easier for those trying to balance their workloads.

More about aflw FEBRUARY 2024 | FIND GEELONG

SPORTS NEWS & EVENTS

FEBRUARY 2024

KING-HAWEA IS UNITED Geelong United is excited to welcome our newest addition to the NBL1 Women’s roster, Kobe Tehau King-Hawea. The 6-foot guard/forward brings a strong basketball acumen to the side, representing Australia in the under 18 Gems side in 2018 – Plus a wealth of college basketball experience at the University of Texas, where she was part of both a Big12 Conference Championship winning side and the Elite 8 at March Madness, as well as winning a Sunbelt Conference Championship with James Madison University. But it was Kobe’s individual stats and accomplishments that made her a much sought after signing for Geelong United, averaging 20 points, 7 rebounds and 5 assists per game in her freshman season (earning NJCAA Division 1 firstteam All-America honours as a freshman at Gillette College, the only first-team AllAmerican as a freshman), and 15.5 points (shooting at 43.3% from beyond the arc) during her sophomore campaign. King-Hawea was also the first ever female NBA Global Academy scholarship athlete, which through the Basketball Australia Center Of Excellence was her initial link to Geelong United Women’s Head Coach Matthew Paton, who is

excited for their reunion – “I am extremely pleased to have Kobe joining our Geelong United NBL1 program. I have tracked Kobe’s journey since I coached her at the BA Centre of Excellence and jumped at the opportunity to reunite with her after her collegiate career. Kobe is the definition of ‘x-factor’ and I have no doubt she will very quickly become a fan favourite through her exciting style of play and great personality – she is a high quality player and will be a perfect cultural fit for our program.”

Kobe, who has signed on for 2 years through until the end of the 2025 season, is eager to get on the court and start her NBL1 journey – “I’m very exited to be part the Geelong United family. The one goal is to win, but to also create and keep the culture here at Geelong Untied. My development is what I look forward to, I am eager to develop my game under Coach Matt Paton.” For all the latest on the signing of Kobe, check back soon for more with the Geelong Times.

2024 BEACH VOLLEYBALL CLINICS WEDNESDAY NIGHT Primary Training 4:15pm to 5pm

Primary Schoo Age $12/Session

Secondary Training & Fixtured Game 5pm to 6pm

Secondary School Age $120/Session

Starts February 7

GEELONG

SPORTS NEWS & EVENTS

FEBRUARY 2024

Matildas at Home Review: Simon makes her return after 480 days; Yallop scores and assists Kyah Simon made her return to competitive football on the weekend, coming off the bench for the Central Coast Mariners 480 days after rupturing her ACL for Tottenham Hotspur in October 2022.

Jada Whyman and Cortnee Vine started the match for Sydney and both played the full 90 minutes. It is particularly encouraging for Vine, who looks to now be back at full fitness after struggling with injury this season.

It allowed the Reds back into the game, and goals to Isabel Hodgson – repurposed in the last few games a centre-forward – and Nanako Sasaki either side of the break was enough for the home side to secure three points.

Meanwhile, Tameka Yallop scored one goal and assisted another as Brisbane secured their fourth win of the season.

Courtney Newbon again took the gloves for Victory as Lydia Williams was ruled out with a continuing ankle injury. Elise Kellond-Knight and Alex Chidiac started in midfield for the home side, while Emily Gielnik came off the bench at half-time.

The Wellington Phoenix found themselves back in the winners circle after overcoming Canberra United 2-0. A brace to Mariana Speckmaier gave the home side a two-goal advantage early in the second half. Canberra had an opportunity to get back in the game after Phoenix goalkeeper Rylee Foster was sent off in the 66th minute. However, substitute Brianna Edwards saved the ensuring penalty with her first touch, and Wellington held on to the clean sheet with ten players.

Read our review of all of the action below. On Thursday evening, Western United continued their tremendous record against Melbourne teams, defeating Melbourne City 3-1. Last season’s golden boot winner Hannah Keane scored her first brace of the season while Young Matilda Kahli Johnson – coming off the bench in the second half on her return from injury – made it three. Chloe Logarzo played the full match and was heavily involved in the action, including assisting Keane’s second goal. The Big Blue between Melbourne Victory and Sydney FC ended in a 1-1 stalemate, an early goal to 16-year-old Maddie Caspers cancelled out by a first-half Rachel Lowe penalty. Sydney FC dominated the chances – despite having only 39% possession – but were not able to make it count.

Western Sydney Wanderers’ four-game winning streak came to a grinding halt on Saturday, as the Brisbane Roar defeated them 3-1 at Marconi Stadium. Despite early Wanderers pressure the Roar struck first, a wonderful through ball from Tameka Yallop finding Kijah Stephenson, who calmly slotted it home. Holly Caspers equalised before half-time but goals to Yallop – who started the match, and was substituted in secondhalf stoppage time - and American striker Mia Corbin after the break sealed the result for Brisbane. Adelaide United came from behind to defeat Perth Glory 2-1 on Saturday afternoon. The Glory struck first after a nice volley from Hana Lowry, but Perth otherwise struggled to create opportunities.

Kyah Simon made her first appearance of the season – and played her first competitive football since October 2022 – as the Central Coast Mariners were 2-0 victors in the F3 Derby against the Newcastle Jets. Chinese international Wurigumula struck early before Paige Hayward made sure of the result late in the second half. Simon was introduced in the 83rd minute to warm applause from the crowd and will be hoping to increase her involvement in coming weeks. CLICK HERE FOR MORE FEBRUARY 2024 | FIND GEELONG

FEBRUARY 2024

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Geelong waterfront

A visit to Geelong is not complete if you haven’t seen our spectacular waterfront

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, ride 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.

FEBRUARY 2024 | FIND GEELONG

62 FIND GEELONG | FEBRUARY 2024

www.findgeelong.com.au

poppy kettle playground

This is one of the most perfectly positioned playgrounds for so many reasons

Situated on the Geelong waterfront, this park is jam-packed with awesome play elements, has beautiful sea views, has picnic facilities, and is a short walk away from cafes and other Geelong attractions. It makes for a beautiful day out for all ages, and is certainly a must-do in summer. The interactive play equipment include a multi-coloured tubular slide that winds down the hill, a dragon emerging from the ground, a timber tower, swing, boat (atop the sand pit), bouncers, and a unique pyramid climbing net. The playground is also well known for the interactive Poppy Kettle water fountains and miniature statues, situated amongst a rock area, which seem to be the main attraction for little ones. In fact, this feature was inspired by a children’s book written by local author, Robert Ingpen, and gives the park a magical quality. During the summer months the slide area has additional water play features. 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 Activity Precinct is located a stones’ throw away from the playground, and features basketball ring, seating areas, open multipurpose area, and skate ramps.

www.findgeelong.com.au

FEBRUARY 2024 | FIND GEELONG 63

Skate park Geelong We have more skate parks per capital 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? Young people interested in joining in activities can call the Skate Program Worker on 03 5272 5272.

FEBRUARY 2024 | FIND GEELONG

64 FIND GEELONG | FEBRUARY 2024

www.findgeelong.com.au

cunningham pier

Geelong’s iconic waterfront function venue is perfect for every occasion. Experience the most unique function venue in Geelong.

The Pier Geelong offers uninterrupted bay views stretching from Rippleside to Point Wilson and the Geelong city skyline. It provides a large impressive area catering for small events to up to 800 guests seated or 1000 guests’ cocktail style. The venue also housed City Quarter Bar a trendy lounge bar on Level 1. With loft ceilings, three decks, comfortable lounges, fireplace, gourmet pizzas and world inspired tapas, CQ is perfect for hosting engagements, birthday parties, hen’s high teas or pre or post event drinks. Also housed within this iconic building is Wah Wah Gee, a funky Asian-inspired restaurant, offering an extensive menu leaving you feeling satisfied and content in an exciting atmosphere. Enjoy our delicious cuisine with floor to ceiling views of Geelong’s bay - you’ll feel like you’re floating on water.

www.findgeelong.com.au

FEBRUARY 2024 | FIND GEELONG 65

the old Paper Mills Fyansford Paper Mill once of Geelong’s most historic places to visit

Geelong’s best kept secret The Fyansford Paper Mill is set on the Barwon River and overlooks the picturesque Buckley Falls. It was constructed in the 1870s and is one of the oldest paper mills in Australia. The site is being transformed into a food, beverage, arts and cultural precinct, located within 10 minutes of Geelong’s CBD. With just under 5,000m2 of building space, the Mill is home to over 15 businesses, including a winery, café, gallery, yoga studio, homewares shop and escape room. There are also a number of small independent artists who have private studios across the site. Visit the Fyansford Paper Mill once of Geelong’s historic places to visits. Discover all kinds of food, arts, activities, as well as our great history, see what’s on in Geelong here. FEBRUARY 2024 | FIND GEELONG

66 FIND GEELONG | FEBRUARY 2024

www.findgeelong.com.au

geelong arts and cultural precinct Geelong Arts Centre, formerly the Geelong Performing Arts Centre, is a performing arts, functions, and events venue located in Geelong, Victoria, Australia.

The area between Johnstone Park and Ryrie Street to the west of the shopping and business district of Geelong is known as the Geelong Arts Precinct. This area is also home to the Geelong Town Hall, which is the main council offices of the City of Greater Geelong. The city is currently seeking funds for a radical overhaul of the precinct where the current facilities will receive a substantial redevelopment. There are also plans for some pretty innovative landscaping and street works which will bring the area into line with the rest of our recently rejuvenated city. This massive renovation will make the precinct one of the best arts and cultural precincts in the state. The scale of the project put the cost of the whole redevelopment in the vicinity of over 130 million dollars. The Geelong Art Gallery is attached to the Geelong Town Hall, and it houses a magnificent and varied collection of artworks. Two paintings in particular are extremely special to our Gallery, first being the “View of Geelong” which was painted by Eugene von Guerad in 1856. This painting was bought recently by the museum from legendary English musical creator Sir Andrew Lloyd Webber. “A Bush Burial” by Fredrick McCubbin, painted in 1890 is another of the gallery’s most precious works.

FEBRUARY 2024 | FIND GEELONG 67

www.findgeelong.com.au

western Beach 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.

FEBRUARY 2024 | FIND GEELONG

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www.findgeelong.com.au

Ripplesside park

A community built wooden Adventure playground built over six days in 2001 with all the usual ramps, walkways, steps, nooks and crannies to explore.

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 enroute 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 wide-open 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.

FEBRUARY 2024 | FIND GEELONG 69

www.findgeelong.com.au

steampacket Gardens

Located right beside

A path on the northern edge connecting the gardens to the

the water Steampacket

bay has seats where you can enjoy the sea breeze and watch

Gardens Geelong is a big

the nearby helicopter toing and froing.

rectangle of lush lawn that’s perfect for a relaxing picnic or a game of frisbee.

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. FEBRUARY 2024 | FIND GEELONG

70 FIND GEELONG | FEBRUARY 2024

www.findgeelong.com.au

the carousel The Carousel Geelong is a rare 1892 Armitage-Herschell 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 oldworld 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. The Carousel Pavilion can be booked for wedding ceremonies, wedding receptions, photo shoots, and private or corporate functions. Housing a beautifully restored Carousel, this competitively priced, exclusive all-weather venue is available for private hire seven days a week from 3:00pm.

FEBRUARY 2024 | FIND GEELONG 71

www.findgeelong.com.au

OLD Geelong gAol A 19th century gaol which operated from 1853-1991 in the same conditions you see today.

The Geelong Gaol Museum is housed in the 170-year-old Geelong Gaol, the third oldest prison in Victoria. Opening in 1853 and closing in 1991 it housed male and female prisoners. Over its history, it has been used as an industrial school for young girls, a hospital gaol and a military detention barracks. It was the site of 6 executions. Today it houses display illustrating not only the history of the Geelong Gaol but the history of the corrections of Victoria. It features displays on the Hulks, Colonial Prisons, Executions and Saga Behind the Armour along with some of the prisoner stories who have spent time behind the bluestone walls. The Geelong Gaol Museum is open on weekends, school holidays and public holidays. FEBRUARY 2024 | FIND GEELONG

AGED CARE

February 2024

AGED CARE

February 2024

List Your Aged Care Facilities with Find Age Care Services 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 Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services.

February 2024

AGED CARE

The lump sum estimates take into account the receipt of the Age Pension both immediately and into the future and assumes the retirees own their own home outright and are relatively healthy. The Age Pension is adjusted regularly by either the increase in the CPI or by a measure of wages growth, whichever is higher.

We have included below the ASFA’s detailed budget for those aged 65-84. It is a good guide as to how much you will likely spend in retirement. If you are considering retiring in 2023 and have more than $595,000 saved up in super but are not sure of the next steps, then speak to one of the financial advisors at Find Retirement. The financial advisor will help you transition from full-time work to retirement with ease.

ASFA Retirement Standard for retirees

for retirees aged 65-84

September quarter 2023 COUPLE Expenditure items

Building and contents insurance

SINGLE

Comfortable lifestyle

Modest lifestyle

Comfortable lifestyle

Modest lifestyle

$41.20

$41.12

$38.85

32.35

February 2024

AGED CARE

Building and contents insurance

$41.20

$41.12

$38.85

$32.35

Council rates

$44.53

$40.67

$44.53

$38.32

Water charges

$26.50

$22.81

Home improvements

$7.84

$0.00

$7.84

$0.00

Repairs and maintenance

$23.51

Total housing

$143.57

$131.79

$137.55

$116.99

Electricity and gas

$63.04

$53.89

$50.83

$116.99

Food - groceries and other fresh food

$245.07

$202.18

$141.00

$109.06

Bundle of home phone, broadband, mobile

$29.66

$20.53

$22.79

$18.22

Household cleaning and other supplies

$30.79

$18.40

$23.60

$18.40

Cosmetic and personal care items

$7.57

$7.25

$5.41

$5.18

Barber or hairdressing

$26.65

$11.79

$17.36

$7.07

Media, including digital

$9.36

$2.74

$9.14

$2.74

Computer, printer and software

$5.04

$2.84

$5.04

$2.84

Household appliances, air conditioners, smart phone

$18.35

$16.94

$0.00

Mischellaneous

$7.87

$46.02

$7.87

$39.23

Total household goods and services

$105.63

$131.79

$85.35

$116.99

Clothing and footwear

$52.37

$40.01

$28.12

$21.05

Car transport and running costs

$188.77

$111.39

$176.64

$107.02

Public transport

$5.49

$2.74

Total Transport

$194.25

$116.88

$179.38

$109.77

Numbers are weekly, except where otherwise specified. Totals may not exactly equal the sum of components due to rounding of price adjustments. (Source: https://www.superannuation.asn.au/)

Warren Strybosch Award winning Financial Adviser and Accountant

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth & Find Retirement. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliancegroup https://www.centrepointalliance.com.au/ Warren Strybosch is Authorised representative (No. 468091) of Alliance Wealth Pty Ltd. Services offered are superannuation, retirement planning and aged care advice. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the

Part of the Find Group of Companies

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

appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

February 2024

AGED CARE

AGE CARE BASICS – RAD vs DAP

AGED CARE By Warren Strybosch

When moving a loved one into care, there are several costs to consider. The first one is regarding the Refundable Accommodation Deposit (RAD). If your loved one is not assessed as being ‘Low Means’, something we will cover in next month’s article, then you will be required to pay the RAD. The RAD is set by the accommodation provider and is a lump sum payment required to secure a room in a facility. RADs can start as little as $450,000 and can be as high as $1,250,000. It can be a very scary thought for some people because often, most people moving into care, do not have a lazy $1,000,000 lying around to pay the RAD. If you cannot pay the RAD, then you might need to consider paying the Daily Accommodation Payment (DAP). The DAP is like rental payments. Instead of paying, less say, the $1,000,000 RAD, you would pay a daily rate of rent based on that $1,000,000 RAD. How much you pay is determined by the government who set the maximum permissible interest rate (MPIR) (currently at 8.38%) to your agreed room price (RAD cost). If the RAD or room cost is $1,000,000, then the daily DAP fee would be $229.59 per day ($1,000,000 x 8.38% divide 365 days).

The decision between paying a Refundable Accommodation Deposit (RAD) or a Daily Accommodation Payment (DAP) when entering residential aged care in Australia depends on various factors, including your financial situation, preferences, and long-term goals. Here are some considerations to help you make an informed decision:

Paying a Refundable Accommodation Deposit (RAD): Pros: 1. Refundability: The RAD is refundable when you leave the aged care facility. This can be beneficial for estate planning, as the refunded amount can be passed on to your beneficiaries. 2. Potential for Interest Earnings: Some aged care providers offer to pay interest on the RAD. While the interest rate is set by the government, this can contribute to the overall return on your investment. 3. Certainty of Lump Sum Payment: You make a one-time lump sum payment, providing certainty regarding the upfront cost of accommodation. 4. No Potential Impact on Age Pension: Whilst the RAD is considered an asset, it is not considered a financial asset and therefore no income is deemed to be earned on this amount. Any amount paid as a RAD is also excluded from the age pension asset test.

Cons: 1. Reduced Cash Flow: Paying a large lump sum may impact your immediate cash flow, especially if you have limited liquid assets. 2. Avoiding Daily High Interest Charges: As discussed above, if you do not pay the RAD, you must pay the DAP. With a current interest rate of 8.38%, the DAP can become an expensive option over the long term.

Paying a Daily Accommodation Payment (DAP): Pros: 1. Preservation of Lump Sum: Opting for a DAP allows you to preserve your lump sum, which can be advantageous for maintaining financial flexibility and addressing future needs. 2. Smaller, Ongoing Payments: The DAP is an ongoing daily payment, which may suit individuals who prefer smaller, more manageable payments over time.

Cons: 1. Non-Refundable: Unlike the RAD, the DAP is not refundable. You won't receive a lump sum back when you leave the aged care facility. 2. Longer-Term Cost: Over an extended period, the total cost of the DAP may surpass the equivalent RAD amount, depending on your length of stay.

& Considerations: 1. Financial Assessment: Conduct a thorough financial assessment to understand your assets, income, and how different payment options may impact your overall financial situation. 2. Cash Flow: Consider your current and future cash flow needs. If you have sufficient liquid assets to pay a RAD without compromising your lifestyle, it might be a viable option. 3. Estate Planning: If passing on a lump sum to your beneficiaries is a priority, the refundability of the RAD may be appealing. 4. Negotiation: Be open to negotiating with the aged care provider regarding the RAD amount. Some providers may be willing to adjust the RAD based on individual circumstances. 5. Financial Advice: Seek advice from a financial advisor or aged care specialist to ensure you understand the implications of each payment option and how it aligns with your financial goals.

February 2024

AGED CARE payment. If you choose to pay a lump sum (the RAD) you then have 6 months to pay the money to your provider. If after the 6-month period, you cannot afford to pay the RAD, the provider can either proceed to sue you for not meeting your contractual obligations or they can remove your loved ones from the premises for non-payment. It is better to agree to pay the DAP even if you believe you have enough funds to pay the RAD. Whilst paying the DAP, at any time you can make contributions to the RAD, which will then reduce the DAP payments. Ultimately, the choice between RAD and DAP is a personal one, and there is no one-size-fits-all answer. It's important to carefully assess your financial situation, goals, and preferences before making goals, and preferences before making a decision. Consulting with professionals can provide valuable insights and help you make an informed choice.

Warren Strybosch Award winning Financial Adviser and Accountant

Part of the Find Group of Companies

You can call them on 1300 88 38 30 or email info@findretirement.com.au www.findretirement.com.au Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/ Warren Strybosch is Authorised representative (No. 468091) of Alliance Wealth Pty Ltd. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based

However, one must be careful if they agree to pay a RAD and then don’t have the funds. You have 30 days from entering aged care accommodation to decide how you want to make your

At Find Retirement we provide retirement and aged care advice. If you wish to speak to a financial planner about your aged care needs, then call 1300 88 38 30 to book an initial meeting.

on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (no. 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the Centrepoint Alliance group www.centrepointalliance.com.au | Warren Strybosch is Authorised representative (No. 236815) of Alliance Wealth Py Ltd. This information has been provided as a general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriates of the advice. You should obtain and consider the relevant Product Disclosure Statment (PDS) anf seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mention in this communication. Whilst all care has been taken in the preparatin of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representative accepts responsibility for any loss suffered by any person arising from reliance on this information.

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ACCOUNTING

TARGETED IT SOLUTIONS FOR SMALL BUSINESS At Erebus IT, we are dedicated to providing reliable, and cost-effective IT solutions that empower businesses to thrive in the digital age.

JUSTIN MIDDLETON

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CYBER SECURITY

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MICROSOFT 365

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IT GUIDANCE & SUPPORT

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PHONE SYSTEMS

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IT Consultant

Call Now for your free initial consultation info@erebusit.com.au

erebusit.com.au

03 4210 0680 / 0419 131 939

Geelong, Victoria

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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

FEBRUARY 2024 | FIND GEELONG

HOME & GARDEN

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INDEX PROFESSIONAL SERVICES •

Specialist Tree Services

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Interior Design

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Mowing

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Building Inspection

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Nursey

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Flooring

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

WARREN STRYBOSCH 1300 88 38 30

editor@findgeelong.com.au

LOCAL TRADIES

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INDEX •

Painting Services------------83

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Heating & Cooling---------83

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Building Inspection

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Nursey

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Flooring

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

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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

Precision Plumbing Heating and Cooling We have the knowledge and expertise needed to ensure that you receive nothing but the best service. Our reputation has been developed through hard work and reliability.

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AIR CONDITIONING

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DUCTING GAS HEATING

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HYDRONIC HEATING

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HOT WATER SYSTEMS

Factory 3, 14-16 Birkitt Place, South Geelong VIC 3220 03 5221 0052

STACEY DALTON Heating and Cooling

info@precisionac.com.au https://precisionplumbingheatingandcooling.com.au/

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HEALTH & BEAUTY

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Health & Beauty

PROFESSIONAL SERVICES

BUSINESSES

Do you provide Health & Beauty services in the Geelong region?

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Hair Dresser ----------- 85

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Osteopath

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Chiropractor

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Beauty Therapy

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Gym

WARREN STRYBOSCH

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Massage Therapy

1300 88 38 30

If you have any questions, contact

editor@findgeelong.com.au

HEALTH & BEAUTY

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Creative Design Hair and Beauty

Blonde

Extensions

Balayage

Colours

Brow Waxing

A local Geelong girl with a passion for hair and everything to do with it, and also waxing. With over 10 years experience Chey is here to wow you with a great, easy going, friendly atmosphere. She has the knowledge to make your hair look and feel better then ever. Using high quality products and extensive knowledge we can create an amazing hair experience for you.

Chey Devey

0422 800 012

9/254 Pakington Street, Geelong West 3218

Hair Dresser

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

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

FEBRUARY 2024 | FIND GEELONG

FEBRUARY 2024

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

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FEBRUARY 2024 www.findgeelong.com.au