Find Geelong July 2023 Edition

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

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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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World Day of Grandparents

By Abby

Remembering our grandparents is a wonderful way to cherish the memories and the impact they had on our lives. Grandparents often hold a special place in our hearts, and reflecting on their love, guidance, and experiences can bring us comfort and nostalgia. Here are a few ways to remember and honor our grandparents:

Share stories: Recall and share stories about your grandparents with family members or friends. Talk about their accomplishments, adventures, or memorable moments. These stories help keep their memory alive and allow others to learn from their experiences.

Look at old photographs: Take out photo albums or digital collections of pictures featuring your grandparents. Spend time flipping through the pages or scrolling through the images. This visual journey can evoke memories and spark conversations about the times you shared together.

Visit their gravesite: If your grandparents have passed away, you can visit their gravesite to pay your respects. Bring flowers or other items that hold significance to them or your family. Spend a quiet moment reflecting on their life and the impact they had on you.

Cook their favorite recipes: Prepare a meal using a recipe that was cherished by your grandparents. Cooking and enjoying their favorite dish can be a meaningful way to connect with their memory and keep their culinary traditions alive.

Create a tribute: Consider creating a tribute to your grandparents, such as a scrapbook, a digital photo montage, or a written piece about their life. Include memories, photographs, and any other mementos that hold significance.

Carry on their traditions: If your grandparents had specific traditions, customs, or values that were important to them, consider incorporating those into your own life. Whether it’s celebrating certain holidays, practicing a hobby they enjoyed, or passing down their wisdom to future generations, honoring their legacy can be a meaningful tribute.

Remembering our grandparents allows us to honor their memory, preserve their legacy, and keep their love and wisdom alive in our lives.

Public feedback is critical to Council’s annual budget process.

It allows everyone a chance to highlight the value they place on different services that the Council offers.

And it provides the Council with valuable information, so we can better reflect community sentiment.

The additional funding we allocated before finalising the 2023-24 Budget in late June was in line with the strong public feedback we received.

The community spoke, and we took action.

The Budget allocates $565 million to deliver about 130 services to the Greater Geelong community and its visitors.

More than $195 million of that is on our capital works program.

This will allow us to open the Northern Aquatic and Community Hub, the North Bellarine Aquatic Centre, as well as upgrade parks, leisure facilities and sporting grounds.

After carefully considering all 955 submissions, Council was pleased to be able to direct further funding to our libraries, Kardinia Aquatic Centre and lifeguard services on the Bellarine.

An extra $565,000 has been set aside to open Kardinia pool throughout the traditional ‘off season’, continuing an extended period of operation that was introduced during the COVID-19 lockdowns.

Council allocated $47,500 to ensure paid lifeguards will patrol Ocean Grove, 13 th Beach and Bancoora.

And a further $356,000 was found to support the Geelong Region Libraries Corporation.

The GRLC told us that this amount would maintain opening hours at all of the city’s libraries.

This lifts our total contribution for the financial year to $14.304 million - a $596,000 increase on 2022-23.

Council’s investment in libraries, per resident, is among the highest in Victoria.

But we need the State Government to lift its funding. For a long time, both levels of government shared the cost of operating libraries 50-50.

However, the state’s contribution has dwindled to about 20 per cent, leaving councils to shoulder the burden of rising costs.

Geelong Column

New CEO appointed to lead the City

Council is pleased to announce the appointment of Ali Wastie as the City of Greater Geelong’s new Chief Executive Officer.

Ms Wastie brings a wealth of experience in local government and the Victorian Public Service, having worked across the sectors since 2004.

She has held a number of senior executive positions, including serving as CEO of the Bass Coast Shire Council for the past fourand-a-half years.

Ms Wastie chairs the Alpine Resorts Victoria board, and has previous leadership experience as a director at the City of Melbourne and Yarra Ranges Council.

After finishing her role with Bass Coast Shire Council, Ms Wastie will join the City on 28 August.

Mayor Trent Sullivan said Ms Wastie’s expertise would be invaluable to the organisation, and the wider Greater Geelong community.

“We are delighted to welcome Ali to the City of Greater Geelong,” Mayor Sullivan said.

“Ali’s extensive local government experience, her strong leadership skills and passion for developing high performing teams, means she is ideally placed to lead the City through this challenging but exciting period.

“Ali also has strong credentials in education, health and tourism, which are sectors that are crucial to the continued development of the region.”

Ms Wastie said she was excited to be joining the City and was looking forward to working with councillors and employees to deliver high-quality services to the community.

“I am feeling very privileged to be appointed as CEO for the City of Greater Geelong and I am looking forward to commencing in the role on 28 August,” Ms Wastie said.

“Delivering on the community’s vision and Council’s plans and objectives in a period of growth, change and opportunity will be my focus.

“I have longstanding connections to Geelong, with family and friends living in the region.

“I am passionate about building and sustaining positive, can-do organisational cultures that are inclusive and welcoming.”

Mayor Sullivan praised acting CEO Kaarina Phyland for leading the City since September 2022.

“Kaarina has overseen a period that has transformed the City into a more efficient

and high-performing organisation,” he said.

“Under her leadership we have made progress on delivering the community’s Clever and Creative vision and the Council is thankful for Kaarina’s valuable contribution.”

Mayor Sullivan also thanked municipal monitors Prue Digby and Peter Dorling for their assistance in the CEO recruitment process.

Ali Wastie

Push on to lure city dwellers to jobs, life in the bush

When Alex Ho was weighing up his options in his final year of high school, he didn’t expect he would soon be almost 2000km away driving tractors, playing Aussie rules and donning three blankets in a South Australian winter.

Mr Ho is one of many Australians enjoying a new life in the country and the Regional Australia Institute hopes stories such as his will convince city dwellers to take advantage of the 91,000 jobs available.

A study by the institute found nearly half of urban workers would move to regional Australia for a better salary.

Mr Ho grew up in Brisbane, but has been working on a mixed grain and sheep farm in Cummins on the Eyre Peninsula, about 275km from Adelaide, since finishing school.

“(I’m) really enjoying my time here learning something new every day,” he told AAP.

His learning wasn’t limited to the farm, either, with Mr Ho joining the local footy team.

“I was really hesitant to join because I’ve never played before and I didn’t want to embarrass myself,” he said.

It became a great way to meet friends and he was surprised he enjoyed the code after dabbling with rugby union in high school.

He plans to work in agriculture for a few years before studying in the industry and can see himself settling in the country.

A recent trip home to Brisbane to visit family had solidified his decision to move.

“I spent a week there and I was like, the traffic and the noise, the honking… no one’s really saying g’day,” he said.

“I compare that to the town I’m in now and it’s like everyone’s taking it easy and you’re more or less on a first name basis with everybody.”

But the climate has taken a bit of adjusting to.

“It’s six degrees and I’m absolutely freezing, I’ve got the heater on, the fire going and just three blankets on my bed, so that’s not too pleasant.”

Lifelong Melburnian Angela DurstonRyan was in the depths of the COVID-19 pandemic when she asked her employer for a transfer to Shepparton in northern Victoria.

The civil engineer now owns a house in the regional hub and loves being closer to the snow, but also not too far from the city.

“The community is probably the biggest thing that I love,” Ms Durston Ryan told AAP.

“Everyone’s involved and everyone looks out for you.”

RAI chief executive Liz Ritchie said the demand for regional workers was at an all time high as available jobs in capital cities declined.

“This year regional migration is up 17 per cent and it’s continuing to grow as the economic downturn prompts Australians to search for a more affordable lifestyle,” Ms Ritchie said.

She said while these figures were encouraging, many regions were playing catch-up when it came to infrastructure, services and housing.

Master Builders chief executive Denita Wawn said regional Australia offered tradies an opportunity to tap into high housing and infrastructure demand.

“Tradies who move to the regions will play a vital role in building the communities of tomorrow and contributing to the economic growth this country desperately needs,” Ms Wawn said.

National Farmers Federation boss Tony Mahar said the agriculture industry was calling out for workers.

“The career opportunities in agriculture are limitless,” Mr Mahar said.

“There is a job for everyone and every skill set right now in our farm sector.”

Adrian Black (Feedsy Exclusive)

Proposed changes to taxation of superannuation for high-value account holders

ACCOUNTANT

By Warren Strybosch

On 28 February 2023 the government announced they would be increasing the tax paid on superannuation fund earnings for high-value superannuation account holders.

This initiative will target people with a total superannuation balance exceeding $3 million and is expected to apply from the 2025-26 financial year. The scheme will not be implemented until 1 July 2025 - after the next Federal election.

At the present time, details of how the scheme will work are limited. The government has announced it will consult with the superannuation industry regarding implementation of the scheme.

The current situation

Superannuation funds pay tax on their investment earnings. The following table illustrates the rate of tax generally paid.

This proposal does not apply to individuals with a total superannuation balance of less than $3 million.

Total superannuation balance

The total superannuation balance is the sum of all amounts a person holds in the superannuation system. It is calculated on 30 June each year and, at a high level, includes:

• amounts held in accumulation accounts, and in defined benefit schemes,

• amounts held in pension or income stream accounts, such as an account-based pension,

• amounts in the course of being rolled over from one super fund to another on 30 June,

• the amount of any outstanding limited recourse borrowing arrangement held by a selfmanaged super fund, in certain circumstances.

Any amounts contributed to superannuation as a personal injury contribution are excluded from the calculation of the total superannuation balance.

You can track your total superannuation balance by checking your MyGov account, or by contacting your superannuation fund.

A person’s total superannuation balance is critical when determining:

The proposal

People with a total superannuation balance that exceeds $3 million will pay an additional tax of 15% on a portion of the earnings on their superannuation.

• if they will be affected by the proposed change to taxation of superannuation fund earnings and, if so,

• how any additional tax will be calculated.

Tax on earnings?

While the government’s announcement and media commentary suggest an additional tax will be paid on superannuation fund investment earnings, this is not entirely correct.

Firstly, the tax calculation is based on an adjusted movement in a person’s total superannuation balance rather than on the actual earnings of their superannuation accounts. As a result, the extra tax may become payable on unrealised capital gains.

Secondly, the tax will not paid by the superannuation fund – rather it is levied on the individual member, personally. Once a tax assessment is issued, members will have the option of paying the tax personally to the Australian Taxation Office (ATO) from their own savings, or having the tax payable released from their superannuation account.

Finally, while it is estimated that less than 80,000 Australians will be affected by the additional tax, this will grow over time as it appears the $3 million threshold will not be indexed to keep pace with inflation. Over time, more Australians will be subject to this additional tax.

Calculating the tax

The calculation of tax payable when a person has a total superannuation balance exceeding $3 million is complex, however the following steps and worked example may help to illustrate how the proposed tax will be calculated.

Step 1 - calculate earnings.

TSB current FY - TSB previous FY + Withdrawals - Contributions = Earnings

Step 2 - calculate the proportion of earnings corresponding to funds above $3 million.

TSB current FY - $3 million

TSB current FY = Proportion of Earnings

Step 3 - calculate the tax liability.

15% X Earnings X Proportion of Earnings = Tax Liability

Example

Jolene had a total superannuation balance of $4,200,000 on 30 June 2026. Her total superannuation balance on 30 June 2025 was $3,750,000.

During the 2026 financial year contributions of $30,000 were made. During the year Jolene withdrew $100,000 from her super as a lump sum.

Step 1 - calculate earnings.

$4,200,000 - $3,750,000 + $100,000 - $30,000 = $520,000

Step 2 - calculate proportion of earnings.

$4,200,000 - $3,000,000 = 29%

$4,200,000

Step 3 - Calculate the tax liability.

15% X $520,000 X 29% = $22,620

For the 2025-26 financial year, Jolene will have a tax liability, based on the earnings of her superannuation fund, of $22,620.

If the calculation of earnings results in a negative (loss) amount, the loss is carried forward to future years.

What action should I be taking now?

The proposal announced by the government on 28 February will be subject to lengthy consultation before it moves to the next stage. Legislation will then need to be passed for the proposal to become law.

Currently, the government does not propose introducing the measure until 1 July 2025, which is after the next Federal Election is due to be held.

For people likely to be affected by this measure, take time to understand how it works and how you may be affected.

Important Information

There is still a lot of uncertainty around the measure and its eventual impact.

Taking immediate action, like withdrawing money from superannuation, is probably not a strategy that should be pursued at this early stage unless you had plans to withdraw your super irrespective of this proposal. Once money is withdrawn from superannuation, particularly for individuals with significant account balances, it is unlikely you will be able to recontribute it to superannuation.

Importantly, before taking any action in response to the government’s proposal, speak with your financial adviser or other financial professional.

Warren Strybosch

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

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.

Why Being an Emotional Leader Makes the Difference

TEAM & LEADERSHIP SPECIALIST

By Sally Higoe

Gone are the days when leadership was purely transactional and autocraticwhen a leader focused solely on performance and reward or punishment and intimidation. Emotional leadership is a more effective style of leadership, where a leader is emotionally intelligent, acknowledging the power of emotions, and identifying, using, understanding, and regulating emotions to achieve a common goal with their team.

For example, an emotional leader knows how to read the room and understands that a bereaved team member may not perform according to their normal standards.

Emotional Flexibility

This is the ability to regulate your emotions appropriately according to different situations. When we are emotionally flexible, we have a healthy relationship with our expectations. We can manage them better, and our emotional wellbeing remains intact. An emotionally flexible leader will know how to deal with moments such as:

• Crisis situations - these can be overwhelming, but an emotionally flexible leader will take control of emotions like panic and fear and be brave, leading the rest of their team to a state of calmness

• Change - For example, pay cuts can cause feelings of worry. However, an emotionally flexible leader takes control and helps their team respond better and embrace change. This can be through a positive influence on the team.

• Criticism - an emotionally flexible leader takes charge of their emotions when criticised negatively.

• Empathy - a good leader knows how to change emotions when a team member is in distress or is emotionally unstable. For example, they can say words of empathy, give hugs, etc.

Behavioural Flexibility

“Insanity is doing the same thing over and over and expecting different results”Albert Einstein.

Behavioural flexibility is the ability to appropriately adjust our behaviour in response to different situations. Ultimate behavioural flexibility is asking yourself, “What can I change about my thinking or my behaviour that will result in a different and improved outcome?”

A leader with good behavioural flexibility will find it easier to navigate through the following circumstances:

• Changing systems - if a system is changed, you can easily embrace the changes by acting as required at that time, for example, by arriving to work earlier. This is important for experimenting with systems in search of the optimum results.

• Decision-making - a behaviourally flexible leader finds it easier to make decisions because they are open to making changes for the good of their organization. This consequently means this leader becomes better at problem-solving, which is a skill highly required for innovation and invention.

• Crisis - a good leader will act differently when there is a crisis and influence their team towards recovery. For example, an organisation that is close to bankruptcy needs a behaviourally flexible leader who will solve the looming crisis by cutting down on expenditures.

• Actsofcompassion - a behaviourally flexible leader knows how to act when they need to show empathy and compassion. For example, this can be giving gifts or even deciding to give a bereaved team member a day off.

Emotional Leadership and Flexibility

Top contemporary leaders are made from a blend of emotional and behavioural flexibility. For perspective, our behaviours are directly connected to our emotions in that we act based on how we feel (emotions). Therefore, knowing how to regulate what we feel influences how we make decisions, which we can also regulate.

Therefore, practising emotional and behavioural flexibility also helps you become more proactive than just blindly reactive. For example, we can study a situation and change a behaviour in advance just to get the desired outcome. Likewise, we can downplay an emotion if it is likely wrong for that specific moment.

When we regulate our emotions and behaviour, we come from a level of conscious awareness - we make a conscious choice and don’t allow our emotions to dictate our behaviour.

Conclusion

Emotional leadership involves a lot of emotions and behaviour. However, letting

emotions run wild is a recipe for disaster. At the same time, behaviours need to be regulated depending on different situations. By being emotionally and behaviourally flexible, we understand that our choices will make the difference between allowing an emotion to become a feeling that hinders our progress or applying a strategy that allows us to place a better meaning on that experience.

velopment-coach/ sally@team-resilience.com.au

where each individual is so strong in self that their focus is how to move together as one...

Rather than having employees enticed by bells and whistles, you want to be in a position where their loyalty outweighs alternative offers. Therefore, you should regularly remind your employees of the benefits of your EVP. Offering all available salary packaging benefits, including a novated lease, to all your employees will be valued and appreciated.

Retain talent with salary packaging

How Employers Can Attract And Retain Talent With Salary Packaging

By Dan Nicholls

For employers, attracting and retaining talent is an endless battle in business. Meeting salary expectations, when there is strong demand for specialised talent, puts pressure on employers to provide more. Employees expect flexible work arrangements, company culture, benefits and career development. As an employer, how can you differentiate yourself from your competitors without blowing an already limited budget? In the current competitive employment market, organisations are realising the opportunity to use benefits to attract and retain talent. With a modern salary packaging program in place, you can offer financial and tax benefits to current and prospective employees. When employees understand the impact and value of salary packaging, you, as the employer, become more attractive and an employer of choice. Here’s how to attract and retain employees with salary packaging.

Salary packaging financial benefits and perks

Salary packaging is an alternative way to offer value, attract and retain staff and avoid skill shortages. With salary packaging, you don’t need to offer bigger pay packets to give more value to your employee. Salary packaging enables employees to use their pre-tax income on benefits that they’d normally

pay from their take-home pay. It’s a solution to ensure your employees get the most out of their salary. Salary packaging can have many financial benefits and perks, which your current and potential employees should be made aware of.

How to get a candidate’s attention

The key to getting a candidate’s attention through salary packaging is by informing them in a language they understand. When you can quantify the benefits, understanding the value of salary packaging becomes simple. A salary packaging provider can do this for you. They have the resources that show the financial impact and benefit on someone’s annual salary or hourly rate. For example, if you’re a not-for-profit employer, a job advertised at $26/ hour can effectively be $34/ hour with salary packaging. Businesses, particularly those with tax exemptions, should be utilising this information in their adverts. It allows them to attract candidates who would otherwise be lured to other organisations by the salary level alone. How you communicate salary packaging is the key to getting a candidate’s attention.

Building loyalty with salary packaging

Communicating your employee value proposition (EVP) builds loyalty and progressively builds retention as the employee experiences the benefits of salary packaging. In a candidate short market, you should expect your employees to be approached by companies with alternative opportunities.

Salary packaging enables you to also focus on employee retention. Research by Robert Half Talent Solutions reveals that retention issues are driven by a combination of employee workloads and headhunters offering higher salaries, benefits and perks. Focusing on employee retention is the solution to maintaining an evenly distributed workload. To retain your staff, you should ensure that they’re satisfied and not lured by higher salary packages elsewhere. Salary packaging enables you to do this. As salary packaging is an agreement between the employer and employee, this helps bind your working relationship. Think about it as a way of protecting the investment you’ve made in the training and development of your employees.

Implement a successful salary packaging program and retain talent

The key message is that salary packaging enables employers to recruit, reward and retain valued employees. There are multiple benefits within salary packaging that employees have available. An employee might be able to salary package numerous benefits throughout their time in a company. For example, a car and a laptop.

With the current competitive job market that’s actively recruiting and seeking out different angles to attract new talent, salary packaging is your go to solution. The salary packaging program cost is paid by the employee so it comes at no cost to you, so get started today. The Salary Packaging People have the expertise to guide you through the whole process.

Contact us today or call 03 5229 4200. We’ll help you set up a program to achieve your recruitment ambitions.

Dan Nicholls

SALARY PACKAGING SERVICES

5 key drivers to success

BUSINESS COACH

By Deb Fribbins

There are five key personal drivers good business owners / managers utilise to ensure they drive the business to success.

Owning a business whether as a sole trader, a company or in a partnership can be very rewarding. Now more than ever Small - Medium Enterprises (SME) have the best chance to grow and thrive. Life will not go back to the way things were. Life has evolved necessitating our customers to evolve over the last three years. The big advantage SME’s have is the ability to face the changes head on and turn the business around to the customer’s needs and wants more efficiently. Many large corporations find it more difficult to pivot as easily as they are locked in to too much history and culture to turn the ship around.

Historically retailers in particular dictated the trends for each season. With internet research on style, colour, usage, prices, timing, and so much more, consumers are more savvy as to what they want to support their lifestyles. While finances are tight no longer will the public buy a bargain because it is discounted if it is not what they want. They are far more decerning.

How do we secure the sale, increase the basket size and profitability while growing foot traffic.

Utilising the five personal rights of reasoning, SME’s will put all the pieces into place to achieve their Key Performance Indicators (KPI’s )

Thoroughly research the market on a regular basis to ascertain the customers needs. What problem do they want solved? What is the best product on the market to meet their needs. Do you have the best tools for this process? Do you have history from the previous year to look at the results. Look at all your competitors both instore and online, not to be a “Me Too” but to better understand the market. Think outside the square. What new initiatives are others using to attract customers. You may just find something in a completely different field that can be adapted to your products. What worked and what didn’t previously and why? What is all the information telling you?

This information will guide you to the right items to serve your customers needs. When is the right time to make the stock available? To bulk displays? Promote?, or collaborate with others in your vicinity? Big events are obvious such as Xmas or easter as applicable. Timing is often driven by habitual buying not consumer demand. What other impacts affect your sales: weather, holidays, specific event such as the spring racing carnival, the grand prix, the flower shows, home shows, wedding expo’s and so on. Each business is impacted differently.

How can you support your clients? Would customer service be a benefit? Show them how to put an assortment of clothing together to potentially increase basket size. Give advice on how to use or install tech products, so they can use them as soon as they get home. What exclusive, special edition products can you offer they can’t get elsewhere. Does anything need any alterations? What additional accessories assist in instant usage. Are the staff fully trained in all the products you offer. Customers like to feel you are there to support them, they are special and important to your business.

All this information will assist in making the right decisions that will send your projected KPI’s soaring. Examine all the research thoroughly. Look at each piece of research from every angle. Always avoid knee jerk reactions. One customer does not necessarily represent the population. We are all different with our own taste levels and needs. Listening to your customers, involving your staff who are serving them all day long, will give you some indication to assist in making those right decisions based on solid facts, the results.

The last piece of the puzzle is to explore any results you have achieved good and bad. If your results to date have been positive, how can you make them even more positive. If expectations were not met previously, determine why? Why did you not achieve the target? It may not be the wrong product, it could be displayed badly, wrong timing, wrong price point, wrong colour, insufficient stock, too much stock, insufficient staff knowledge. Dissect all the parameters that affect the sales and examine the what if’s?

For support to address this in your business book a time for a complimentary Appointment With Purpose (A.W.P.) with Deb Fribbins. We will explore your options together.

https://calendly.com/deb-fribbins/ appointment-with-purpose

VIDEO PRODUCTION

By Allison Groot

When you decide to make a video there are a few things that you normally consider. First of all, you establish that you need one, and secondly that it needs to be about your business and thirdly that you need someone to make it for you. But what is not taken into account are the key messages that you would like to get across.

So you ask… what is a key message?

The Model System Knowledge Translation Centre - defines a key message as: The main points of information you want your audience to hear, understand, and remember. They are a breakdown of what you do, why you do it, how you are different, and what value you bring to customers or stakeholders.

Basically, a key message is what defines your business or another way to describe it is what is at the core of your business. With every video you make, the key message may change depending on the subject matter but still rooted in the same fundamentals and core values.

For example:

If Yes Today Media wanted to make an overview video - the first questions I would is

• “What would you like your customer to know?” 20 years experience in video production

• “What are we telling them?” Passionate about making videos and content

• “Is there specific wording we should use?” Customer-focused, Geelong local

• “Is there a selling point?” Quality products, cost-effective

What Is A Key Message?

By asking yourself similar questions to these you will be able to create far more engaging videos and help your customers to evaluate your business worth.

Key messages are also really great to use when establishing your company values, and your company’s mission statement and most of all help to create synergy between your brand tone of voice and your video tone of voice. The other thing that key messages help with is to delve deeper into your branding and marketing.

So why are key messages important?

It establishes what you want to say and how you want to say it.

Quick tip: Write 3 things down that define your business. These will then be the baseline for all your videos and marketing moving forward.

If you would like to know more about how Yes Today Media can make your video more professional using clear and concise messaging.

There are many wood surfaces inside a building that need painting. Skirting boards, dados, architraves, window frames picture rails, feature timber walls and furniture – all require different painting technique to plaster walls.

Here is a step-by-step guide to achieving a smooth, painted finish.

1. Cover work surface

Spread plastic sheeting on the floor around the to-be-painted area so it doesn’t get splashed on. Laying newspaper or canvas on top of the plastic will stop you slipping on the plastic beneath and also soaks up paint spills.

2. Prepare wooden surface

Don rubber gloves and goggles or glasses to protect your hands and eyes. Mix a solution of water and TSP, sugar soap or borax according to the manufacturer’s instructions. Dip a cloth in the solution, squeeze dry and wipe all surfaces to be painted. Rinse with another cloth dipped in clear, warm water. Let the timber dry completely.

Now check for any holes, gouges, nicks or scratches. Fill them in with wood filler using a flexible putty knife.

3. Sand the surface

Don a dust mask or respirator and hearing protection. Sand the timber flat areas with a random orbital sander and 200–280 grit sandpaper. This helps the wooden surface to bond with the paint. Sanding by hand is better for uneven surfaces such as you find on furniture.

4. Clean off dust

Using a vacuum cleaner with a brush attachment, remove the dust and wipe with a damp cloth.

5. Prime wooden surface

Mix your primer well and apply with a brush or roller. When it has dried, check to see if the primer is transparent or streaky; if so, apply the primer a second time. A roller will prime a flat surface more quickly and leave it with a smoother finish.

6. Sand again

Use 220-grit sandpaper to sand down the dry surface again. Apply light pressure so that gouges don’t form.

7. Clean again

Use a vacuum cleaner and cloth as before to wipe away the dust.

8. Paint the surface

Foam-density rollers are useful for painting large surfaces. Insert a paint tray liner into the paint tray, then pour in paint so that it fills the tray less than halfway. Gently dab the roller into the paint and roll the paint up and down the slope of the tray a few times to distribute the paint evenly onto the roller. Roll the paint lightly

onto the wooden surface. A high-density foam roller gives better coverage with thinner latex paint than with oil-based paints.

Paintbrushes are better for fiddlier jobs like window frames and furniture. Insert the bristles of the brush into the paint can just a third of their length each time you need more paint. Once on the wooden surface, stroke the brush in a parallel direction to the wood grain. Use short strokes. Keep a wet edge at all times so that you don’t leave overlapping marks.

For a more professional appearance, you could try spraying the surface rather than using a paint brush.

Do not be tempted to apply a second coat of paint after this coat has dried, as this will cause the paint to tear.

9. Sand the first coat

The way to achieve a smoother finish is to sand and paint one more time. When the first coat had dried, sand as before. This will flatten any bumps or inconsistencies introduced by the roller or paintbrush.

Gently sand by hand with 220-grit sandpaper. If using an orbital sander, attach the sandpaper and run it as lightly as possible over the surface. Do not apply any other weight except that of the sander itself.

After sanding, bunch up a cloth. Keeping it loose, run it lightly over the surface. If you apply too much pressure, the cloth ‘s surface may embed itself onto the wood.

10. Apply a second coat of paint

Apply a second coat with the roller or brush, and let dry, preferably overnight. Paint is more durable the longer it is left to dry.

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

PAINTING & DECORATING

Steve Dahllof

painting wooden surfaces

Maximizing Success: Unveiling the Benefits of Lead Generation for Service-Based Businesses

DIGITAL MEDIA

By Ethan Strybosch

Lead generation, the process of capturing and nurturing potential customers, is an indispensable strategy for service-based businesses seeking sustainable growth in today’s competitive marketplace. By proactively identifying and engaging with prospective clients, businesses can unlock a plethora of benefits that fuel their success. Let’s delve into the advantages that lead generation offers.

First and foremost, lead generation empowers service-based businesses to expand their customer base. By actively targeting and engaging with potential clients, companies can tap into previously untapped markets, both locally and globally. This enables them to reach a wider audience and establish a strong foothold in new territories, paving the way for increased revenue and market share.

Moreover, lead generation facilitates the acquisition of high-quality leads. Through targeted marketing campaigns and data-driven strategies, businesses can attract individuals who are genuinely interested in their services. These leads

are more likely to convert into paying customers, boosting conversion rates and ultimately improving the return on investment (ROI) for marketing efforts.

Furthermore, lead generation fosters a more personalised and tailored approach to customer interactions. By gathering relevant data about prospects, businesses can understand their specific needs and preferences. This allows for the customisation of marketing messages and the delivery of personalised solutions, creating a more engaging and meaningful customer experience. Building strong relationships through personalised interactions enhances customer loyalty and promotes repeat business, leading to long-term profitability.

Additionally, lead generation aids in enhancing overall marketing and sales effectiveness. By utilising lead tracking and analytics tools, businesses can gain valuable insights into their marketing campaigns’ performance. This enables them to identify successful strategies and optimise their marketing efforts, ensuring a higher return on investment. By streamlining sales processes and nurturing leads through targeted communication, businesses can shorten the sales cycle and improve conversion rates.

In conclusion, lead generation is a vital component of success for service-based businesses. From expanding customer bases and acquiring high-quality leads to fostering personalised interactions and enhancing marketing and sales effectiveness, the benefits are manifold. By investing in robust lead generation strategies, businesses can position themselves ahead of the competition, driving growth and maximising their overall potential in the dynamic marketplace.

Creative Design Hair and Beauty

By Chey Devey

A local Geelong girl with a passion for hair and everything to do with it. 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 than ever. Using high quality products and extensive knowledge we can create an amazing hair experience for you.

Chey specialises In all things blondes, balayages, hair extensions, colours and facial waxing .

Located in the heart of Pakington Street, Geelong West, I feel blessed to have found an environment that welcomes each and everyone with a full heart and open arms, We offer a non judgment environment and welcome special one on one sessions for sensory children and adults.

I am welcoming new clients to come and experience a Creative Design Hair and Beauty service for them selfs.

Instagram QR code

HAIR DRESSER

New ATO requirements when a SMSF’s sets up an account-based pension

FINANCIAL PLANNER

By Warren Strybosch

Back in 2013, the Australian Taxation Office (ATO) issued a Taxation Ruling that addressed the rules around paying pensions.

While the Ruling applied to all superannuation funds, there are specific implications for SMSFs. On the surface, SMSFs appear to have additional flexibility when compared to APRA regulated funds.

Firstly, it is quite a common practice for the commencement of a pension to be backdated to an earlier date, often the previous 1 July. This may be for administrative simplicity or because the member balance at the end of the previous financial year is not available due the financial statements not having been prepared.

However, when considering the Taxation Ruling, and particularly paragraph 12, while a pension may commence before the first income payment is made, it cannot commence before a member has made a request or application for a pension to commence.

We recommend members requests to commence a pension should always be in writing or using an application form provided by the trustees of the superannuation fund, the fund’s

administrator, or the fund’s document provider. The request should always be made before the pension commences.

The practice of backdating the commencement of a pension from a SMSF became more complex with the introduction of the transfer balance cap.

While some SMSFs have historically been able to provide their transfer balance account reporting when the fund submits its statutory return, this will change from 1 July 2023.

From 1 July 2023, all SMSFs will be required to lodge transfer balance account reporting by the 28th day of the month following the end of the quarter in which the reportable event (e.g. commencement, reversion, or commutation of a pension) occurs.

The ATO has advised that all unreported events that have occurred by 30 September 2023 must be reported by 28 October 2023. Likewise, for pensions that commence in the first quarter of the 2024 financial year (e.g. on 1 July 2023) will also need to be reported by 28 October 2023.

On a final note, when a SMSF commences to pay a pension to a member, the trustee needs to provide the member with a product disclosure statement that provides details of the pension being paid. Most SMSF document providers have a PDS specific to their trust deed.

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 Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 236815). Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/

Warren Strybosch is Authorised representative (No. 236815) 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 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.

Warren Strybosch

Financial Adviser

hosted by Ben Nash https://youtu.be/h_-Vx2Wyl9c

long covid

NATUROPATH

By Kathryn Messenger

It may come as a surprise, but post-viral syndrome is not a new health issue. If you’ve lived a few decades, you may remember in the 1980’s and 90’s, that chronic fatigue was the term used to describe the long-term exhaustion which was usually caused by the Epstein Barr virus. Studies at the time found that muscle function, attention and memory were severely hampered, although the cause was largely unknown.

Similarly, whilst there are a range of long covid symptoms such as neurological, digestive, cardiovascular and autoimmune disturbances, for most people, fatigue is what has the greatest effect on the ability to function normally.

As the term chronic fatigue suggests, the fatigue lasted for months after the initial viral infection. This obviously has an enormous impact on people’s lives, as their ability to carry out day-to-day tasks can be severely hampered.

Conventional medicine has little to offer in the case of chronic fatigue, and this is where natural medicines really shine.

Studies from the 1990’s show herbal medicine to be effective in treating post viral syndromes and new research is emerging in how effective it is in treating long Covid.

In treating post-viral syndrome with herbal medicine, a combination of herbs are used so that the mix includes antiviral, adaptogen, and adrenal tonics. This way both the causes and the symptoms are being addressed.

I wrote about antivirals last month, please refer to that article if you would like to know more about antiviral herbs.

Adaptogens are herbs that help the body adapt to and recover from stress. The following adaptogens have been studied and found to be effective in post viral syndromes:

• Astragalus - immune regulation, increased immune cells, antiinflammatory, antiviral

• Withania - regulate inflammation, anti-viral, anti-stress, inhibit SARS CoV-2

• Green tea - binds to the virus proteins and inhibits further damage

A study of a combination of herbal adaptogens specifically for long covid-19 showed significant relief of all long covid symptoms, but especially for pain, fatigue, cognition, anxiety, and depression.

Naturopaths and herbalists prescribe individually, so for example, if you have neurological or digestive issues along with fatigue, different herbs would be added to the mix to address these issues.

If you’re suffering from post-viral syndrome, or fatigue of any kind, herbal medicines can make a significant difference to your recovery.

Here at Whole Naturopathy we have a range of effective treatments for both long covid, or fatigue of any kind. Book an appointment today to start seeing improvements.

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

2023 TAX UPDATES

Payday super to be introduced

As part of the 2023 Federal Budget, the government has 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 will also increase transparency for employees as well as the ATO for any unpaid superannuation entitlements.

Lower paid, casual and insecure workers will benefit the most by this measure are they are more likely to miss out when super is paid quarterly or less frequently.

Payday super to be introduced

As part of the 2023 Federal Budget, the government has 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 will also increase transparency for employees as well as the ATO for any unpaid superannuation entitlements.

Lower paid, casual and insecure workers will benefit the most by this measure are they are more likely to miss out when super is paid quarterly or less frequently.

Small business energy incentive

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.

The temporary measure will apply to eligible assets or upgrades first used or installed ready for use between 1 July 2023 and 30 June 2024.

Small business instant asset write-off to be reintroduced

With the temporary full expensing (TFE) incentive due to end on 30 June 2023, the federal government has announced the reintroduction of the small business instant asset write-off.

This measure will provide businesses with cash flow support and reduce compliance costs. Assets that cost $20,000 or less may be eligible for this incentive.

From 1 July 2023, small businesses with aggregated annual turnover of less than $10 million will be able to immediately deduct the full cost of eligible assets.

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.

2023 TAX UPDATES

Housing measures announced for affordability and ownership

A number of housing measures have been introduced in the 2023 Federal Budget to support social and affordable housing and improve access for home buyers.

These measures aim to combat the current social housing affordability difficulties that buyers face and provide easier access to home ownership.

From 1 July 2023, eligibility criteria for the Home Guarantee Scheme will be expanded to allow any 2 eligible people to be joint applicants for a guarantee, which has previously been restricted to spouses and de facto partners.

The government will also increase resources devoted to supporting social and affordable housing along with aiming to provide more houses under the Home Guarantee Scheme.

Small business lodgment penalty amnesty

A number of measures aiming to support small businesses were announced by the Labor government as part of the 2023–24 Federal Budget.

As part of that, small businesses will be given an amnesty which will remit eligible failure-to-lodge penalties for late lodgments.

This measure will provide small businesses with cash flow support and reduce compliance burdens of applying for a remission.

At this stage this is a proposed measure and will require parliamentary approval to become law.

Increased amendment period for small businesses

The federal government announced in its 2023–24 federal budget a measure that will provide small businesses with an additional 2 years to amend their income tax returns.

At present, the Commissioner may amend an assessment for small to medium business taxpayers for up to 2 years.

This proposed measure aims to help small businesses deal with the compliance burden of having to apply for an extension of their amendment period.

This measure, subject to receiving parliamentary approval, will commence from 1 July 2025.

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.

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.

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

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Not-For-Profit of the month

Geelong Animal Welfare Society

Geelong’s Leading Charity Supporting Homeless and Abandoned Animals

Geelong Animal Welfare Society (GAWS) is the oldest and largest animal welfare centre in regional Victoria, providing animal welfare and education services to the Greater Geelong and surrounding Bellarine, Surf Coast, and Golden Plains Shires for over 65 years. GAWS cares for thousands of animals each year, reuniting them with their owners or finding them new forever homes. In 2022, GAWS cared for nearly 3500 animals, and rehomed, reunited, or diverted to specialist rescues 90% of these! Amazing! GAWS has its very own on-site Vet Clinic providing free health care for its homeless, abandoned animals, as well as low-cost treatments for the Geelong public’s companion animals. The GAWS shelter does not receive any government funding for its service and relies on community donations and fundraising to support its important work.

GAWS’ mission and purpose is to promote the welfare and value of companion animals to improve the health and wellbeing of the wider community. We do this by caring for and rehoming lost and relinquished companion animals; engaging in research, advocacy and promotion of health and wellbeing through companion animals; and providing education, services and products that enable responsible animal ownership and improves the wellbeing of both people and their companion animals.

We do what we do because we believe that ‘every life is precious’.

GAWS is powered by a huge team of dedicated, community-minded and animal-loving volunteers, who are supported by a small crew of experienced and passionate staff with expertise in animal health and welfare, the human-animal bond, and not-for-profit management. Our volunteers are the backbone of our organisation, helping socialise and care for our dogs, cats, puppies, kittens, and ‘pocket pets’ including rabbits, guinea pigs, ferrets, and rats, as well as various pet birds. On site, volunteers assist by cleaning pens, feeding and grooming animals, walking and playing with the animals, and keeping careful observation of changes and improvements in health, behaviour and interactions over time. Volunteers can choose to work with dogs or cats, or to help sort donations, to assist in the laundry room, or to support reception staff interacting with the public.

Our volunteers are formally recognised each year during National Volunteer Week in May, with our 2023 ‘Volunteer Champion’ Maureen Walsh attending a high tea ceremony hosted by Volunteering Geelong for

In addition to our on-site volunteers, our network of foster carers volunteer their time 24 hours a day, 7 days a week for extended periods of time, to help care for individual animals not suited to the shelter environment due to health or age, or to help raise and socialise litters of kittens or puppies until ready for adoption into forever homes. Our foster carers are essential to ensure our most vulnerable animals receive the individualised support needed to be happy, healthy, and rehomable when the right person comes along for them. GAWS provides all resources to support its foster carers, including vet care, food, enrichment and litter.

Along with money raised from public use of our low-cost Community GAWS Vet Clinic, GAWS fundraises through its popular GAWS Opportunity Shop, located at 63 Vines Rd, Hamlyn Heights VIC 3215. Open 6 days a week Monday to Saturday, the store is a well-known stop on the Op Shop circuit in Geelong, with plenty of new treasures to find each visit. To help care for our animals, GAWS also runs several fundraisers during the year. Our Winter Appeal 2023 is currently running to help raise desperately needed funds for our overflowing shelter and its animals. We currently have over 500 animals in our care – the highest number of animals at this time of year to date. During such cold winter weather, our animals need to eat more food, need more bedding, and need coats to stay warm. Their enclosures need to be weather-proof and warm, with any upgrades to facilities at cost to GAWS. Our young, old, and sickly animals are more prone to illness, again with treatment at cost to GAWS. Donating money to our Winter Appeal during June and July 2023 is one of the most effective ways to support GAWS’ mission to help Geelong’s homeless companion animals this year. To donate to our Winter Appeal, visit our website: https://www.gaws.org.au/

Our Penpal Sponsor program is another way community members and businesses can contribute financially to support GAWS, allowing an annual or monthly sponsorship in return for signage on our site for your own business, message, or cause: https://www.gaws.org.au/page/86/pen-pals.

There are other ways to support GAWS, of course! Adopting an animal is one! Our ‘Feel Good Fee’ reduced-fee adoption campaign from Thursday 22 nd to Friday 30 th June 2022 saw more than 100 animals adopted from GAWS within one week, ensuring those 100 animals now had warm beds and full stomachs in loving new homes for the rest of the winter and into the future.

If you like the idea of a furry house mate but are afraid of commitment, then consider becoming a GAWS volunteer foster carer – match with the kitten, cat, puppy, or dog that suits you, for the length of time that suits you. Help one of our homeless animals find warmth and happiness, even for a brief time, until they find their forever human. Learn about how to apply to foster a GAWS animal here: https://www.gaws.org.au/page/70/foster

If you would like to offer actual goods to help the animals at GAWS, we welcome the following donations: towels, blankets, cat igloos/beds, dog beds, dog coats, enrichment toys, quality dog or cat food (dry, wet). We cannot accept pillows, doonas, or anything with stuffing, and we do not accept home-made food ‘treats’ for animals. All donations, and visits to enquire about adoptions, can be made on site at GAWS. Come and chat with our friendly, knowledgeable staff and volunteers about our animals, and how you can help!

Geelong Animal Welfare Society (GAWS) is located at 325 Portarlington Rd, Moolap VIC 3224. Our main entrance is located on Moolap Station Rd.

The Geelong Art Show Inc; was formed by a committee of dedicated volunteers who have three key objectives in mind.

1. To support artists throughout Victoria

2. To give access to art enthusiasts and collectors to local works of art

3. To support Australian based charities with surplus funds, from the annual event

We are a registered NFP whose purpose is to support art and Australian charities. The charity of choice for the inaugural event in August 2023 is the Australian Cancer Research Foundation through the Geelong Region Cancerians for much needed funds.

We welcome all to the inaugural Geelong Art Show. Get ready to immerse yourself in a vibrant celebration of creativity.

The exhibition will be curated by the acclaimed artist Jan Synott OAM. Paul McDonald Smith OAM is nationally renowned judge, based here in Geelong. There is over $10,000 in prizes, over 4 main categories, plus Best in Show and Peoples choice. There are prizes throughout the weekend including one lucky winner of the People’s choice.

Prepare to be captivated by an array of amazing artworks from talented artists from across Victoria. This event promises to be an unforgettable event filled with awe-inspiring masterpieces that will leave you inspired and amazed.

Light refreshments are available curtesy of the CWA throughout the weekend.

Whether you’re an art enthusiast, a collector, or simply someone who appreciates beauty, this is an event you won’t want to miss. Discover a diverse range of artistic styles and mediums.

As you stroll through the gallery, take your time to admire each piece, allowing the colours and textures to transport you to new worlds. Feel free to ask questions and share your thoughts – the artists would be delighted to have your vote for the people’s choice. Prizes will be awarded in 4 categories as well as the Judges best in show.

The ambiance will be buzzing with excitement, fostering a welcoming and inclusive atmosphere for all attendees.

If you fall in love with a particular artwork, you’ll have the opportunity to purchase it and support the local artistic community and cancer research.

The exhibition is open Saturday and Sunday from 10 am to 4pm. With light refreshments available through the day.

We welcome artists to register their masterpieces; entries are open until July 21st.

See the website for details https://www.geelongartshow.com.au/ all enquiries for more information directed to info@geelongartshow.com.au

We look forward to seeing you all at Sacred Heart

Screen Time

How to keep reasonable checks on the use of screens is a difficult challenge that many parents face.

Limiting children’s device use to age appropriate times, keeping children with devices in eyeview and ensuring access to inappropriate sites is blocked are all necessary restrictions Discussing the issues and agreeing to times, routines and limits helps children take on an ownership and develop a sense of responsibility

Offering healthy alternatives that help counteract the appeal of the screens is possibly the most effective strategy. See some suggestions below.

It's been affectionately stated that children spell love, T-I-M-E. Children seem to demand all our time, resources and more. And it’s exhausting! But the dividends of spending that time with them are marvellous. Rich and rewarding experiences involve interaction, sharing and talking

opportunities to laugh and connect with other family members.

Some suggestions for holidays and weekends:

• Brainstorm as a family, possible activities for the holiday period – make a list

• Choose some day trip destinations

• Check out holiday programs around Geelong – libraries have some great options

• Go camping even if it’s only in the back yard

• Play board and card games

• Read books together – start a bedtime serial

• Play some sporty games in the back yard or the park

• Watch a family movie

• Visit some relatives or friends

• Invite a family over for a BBQ

• Develop a family project

• Take each child out for a date – a milkshake at a special location

• Turn off all devices and screens and have dinner together around the table and talk

• Topics to talk about around the dinner table – take turns to talk: funniest stories, most embarrassing moments, a scary memory, a snake story, a dream, world poverty, travel destination wishes, share things you’re grateful for, appreciations of each other, something you would have done differently today if you had the chance, favourites…

All the best everyone.

Kindest regards, Rob. LPS

Chaplain Robert.Hunter@education.vic.gov.au

Suspicious behaviour can refer to incidents, events, or individuals that seem unusual or out of place. Reporting something that just doesn’t feel right can prevent serious crime and enhance the safety of your community.

But it can sometimes be confusing to know what to report and who to report to.

“Suspicious behaviour” is a fairly broad term for a whole range of activities that seem odd and out of place. Of course, there could be a simple explanation for why someone is behaving as they are. But – as the old saying goes – “It is better to be safe than sorry”.

Most suspicious behaviour is fairly obvious. It is things like:

• Someone going door to door in an office building trying handles

• A car being driven around and around the same block

• Someone standing in the one place for a long period of time

• A person carrying property such as laptops, office equipment, at an unusual time or location

• Someone suddenly sprinting away

• Someone sitting in a car parked for a long period of time

• Person in a retail setting with a phone to the ear, but not talking or ‘reacting’ to the phone

What to do When Something Doesn’t Look Right

People may note this sort of behaviour but still not do anything about it. Why? It is often because we feel we may be wasting police time. The “It’s probably nothing” response. But with a Victorian population of 6 and a half million, and 16,000 police officers, it is vital that we be the extra eyes and ears that can help those officers keep us safe.

Another reason is that we don’t know who to report to. Is the odd behaviour actually serious enough to call the police? Maybe it is a report for Crime Stoppers? Or depending on your location would you be best to report to a security guard? Do you go to your local station or do you phone 000?

If you see something ‘odd’ the authority that you report to will depend on your location and what you have seen, but the basic rule of thumb is if you are seeing it NOW, call Police on Triple Zero (000).

If it is something you have seen earlier in the day or though you are witnessing it now, you don’t believe it is serious, you can call the Police Assistance Line on 131 444.

If you want to report anonymously call Crime Stoppers on 1800 333 000 and for something you believe could be a potential terrorism threat, you can report anonymously to the National Security Hotline on 1800 123 400.

To make your report as valuable as possible try to take in as much information as you can. Report what happened, where and when it occurred, description of suspects and vehicle, and if possible, the time and in what direction the suspect went.

If describing a person, think about build, hair colour, gender, height, complexion, facial hair. Take note of clothing, shoes, tattoos or scars.

For a suspect vehicle, take note of the make, the type of vehicle (a sedan, hatchback, 4wheel, truck) and the colour.

It is not enough to take note of the number plate/registration. There is a good chance, if there is a crime occurring or about to occur, the plates have been stolen. Also look for accessories, such as roof racks, and stickers or logos.

Keep in mind that all information, no matter how small, is important. It could be the missing piece that Victoria Police need to prevent a crime.

JULY 2023

LEOPOLD SPORTSMANS CLUB

In 1971 a couple of locals, Len Lewis and Kevin Ash had an idea for a bowls club in Leopold. The idea took hold, a committee formed and money raised. A location was needed that would have enough space for two bowling greens and a clubhouse. Finally this was located in Kensington Road, our current location and 5 acres purchased for $8500.

In May 1975 the club was officially opened as a family friendly sporting club by Brian Dixon, the then Minister for Youth, Sport and Recreation.

You can see the results for yourself on visiting our club.

There are so many people to thank over many years for their support, encouragement and voluntary help along with the the original crew that helped established the club.

Leopold Sporties, located in Leopold, Victoria, is a club based on sports. We offer Bowls, both social and Pennant, Golf, Racquet Ball and Squash.

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.

Mary-clare switz

• Bookkeeper

• Member of Find Geelong Experience

and Innovation

With 30 years working in bookkeeping and administration in a range of industries including electronic manufacturing, hospitality, child care, personal services, retail and more, we bring a solution-oriented approach to our clients. We have a strong belief in ongoing improvement and education and are always looking for ways to strengthen the businesses that we work with.

About Biscuit Business Services

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

The program for this year’s Geelong Small Business Festival is now live with more than 70 low-cost and free events on offer for community members looking to start, grow or improve their small business.

The City of Greater Geelong, in partnership with the Geelong Chamber of Commerce, is thrilled to host the 13th edition of our region’s largest dedicated business festival from 1-31 August 2023.

The Geelong Small Business Festival 2023 covers every stage in the small business world for existing business owners, budding entrepreneurs or those unsure about how to get started, from learning business essentials, accounting and finance, and leading and managing your team, to health & wellbeing, social media marketing, digital technology, and sustainability & social responsibility.

Secure your spot at workshops, presentations and networking opportunities designed to support and empower small businesses by visiting the Geelong Small Business Festival website.

The Geelong Small Business Festival 2023 will be launched at a special Gala Dinner proudly sponsored by The Gordon on Thursday 3 August from 6-10pm at GMHBA Stadium.

Geelong Small Business Festival returns next month bigger than ever

Keynote speaker Cherie Clonan, Founder & CEO of Australia’s leading social media training agency The Digital Picnic will share her insights on best-practice social media marketing, increasing engagement, community growth and transforming social accounts.

Discover a vibrant atmosphere filled with local businesses showcasing their products, tastings and experiences through the immersive ‘Judo Bank Laneway Experience’ in the foyer.

Tickets are $75 per person for a threecourse dinner and drinks. With limited

Mayor Trent Sullivan

seating available, community members are encouraged to book early at https:// geelong.link/GSBF-Gala-Dinner to avoid disappointment.

Last year’s festival saw more than 1,500 participants in over 50 events, workshops and presentations. Documentary-maker and television presenter Todd Sampson spoke at the sold-out launch event.

Find out more, explore the 2023 program and book tickets by visiting the Geelong Small Business Festival website.

“The Geelong Small Business Festival 2023 is all about celebrating our local small business community which makes up around 97 per cent of all businesses in the region.

Small businesses are a huge driver of Greater Geelong’s economy, and their success is critical to our vision for a Clever and Creative future.

Whether you’re experienced or just starting out in business, the festival offers plenty of valuable opportunities to hear from industry experts, make new connections and learn new skills.

Council is pleased to see the Chamber take the lead in delivering this popular event through our collaborative partnership, that will no doubt lead to exciting opportunities for our business community in the future.”

“The Gala Dinner is sure to be a wonderful evening of connection and inspiration.

Cherie Clonan’s extensive knowledge and experience helping businesses navigate the ever-changing digital landscape, build strong online presences and achieve success is set to provide inspiration and guidance.

Take advantage of the learning and growth opportunities the festival offers as we build a stronger, more resilient Geelong business community.”

Jeremy Crawford - Geelong Chamber of Commerce CEO

The Geelong Small Business Festival is highly regarded as an annual calendar highlight.

This is a chance for businesses and individuals to be inspired, grow, and showcase their products and services.

The launch event gala dinner this year will be a unique opportunity to immerse yourself in unique experiences, hear from Cherie Clonan, a widely successful small business leader, and have a huge amount of fun!

Deputy Mayor Anthony Aitken

Event to showcase local clean technology

Local innovators will showcase their clean and green business ideas at a special event hosted by the City of Greater Geelong on Friday 11 August 2023.

The ‘NEXUS – cleantech and circular economy showcase’ will bring together attendees from local business, industry, academia and government to discuss the latest developments in the clean technology sector and the role the Geelong region can play in achieving a circular economy.

The event will include presentations, panel discussions, and an exhibition of cleantech and circular economy products and initiatives.

It will also feature the Climate Launchpad ‘Pitch Finals’ for the Geelong region, where local hopefuls will pitch their green start-up ideas, in the hope of progressing to the Asia-Pacific finals.

The event has been organised in partnership with representatives from the Victorian Cleantech Cluster, Regional Innovation for a Circular Economy (RICE) and Climate-KIC Australia.

It will feature speakers from large local organisations including Geelong Port, Deakin University and The Gordon.

It will also help to raise the profile of innovative Geelong projects supported by the City in the past, such as those by Cleantech Community Grants recipients Sequence Digital/Rhino Instruments, BOOM Power, Austeng, Capricorn Power, Fulton Hogan and Geelong Sustainability.

Event details

When:

Friday 11 August 2023 from 11:45am to 6:00pm

Where: Wurriki Nyal, 137 Mercer Street, Geelong

Tickets:

Book online now

Mayor Trent Sullivan

“The Council’s support for the event was part of its push to achieve net zero emissions in the Geelong region by 2035.

Moving towards a circular economy with the help of innovative clean technologies will have huge environmental and economic benefits for our region.

There are many large and small businesses already in Geelong that are looking for opportunities to move into this space.

Through events such as this where the local industry can exchange and pitch new ideas, we’re aiming to help establish our region as a hub for cleantech and circular economy solutions in Australia.

Councillor Jim Mason - Deputy chair of the Strong Local Economy portfolio

Circular economy initiatives help the environment by re-using or regenerating products, significantly reducing waste.

Clean technologies use renewable materials and energy sources to create products or services.

To help achieve a circular economy, we need to support the development of cleantech from the idea stage to reality.

There’s an opportunity for Geelong to be a leader in this space, and that’s what this event is about.

It will be a significant networking opportunity to have the cleantech and circular economy players in the room to meet, exchange ideas and work towards future projects.

Job growth outpaces regional cities

Greater Geelong is experiencing the fastest employment growth of all large Australian regional cities, becoming a leader in job creation.

New data presented by .id Consulting in the Geelong Economic Profile shows there are 135,500 jobs in the Geelong region, with 12,000 new jobs created in 2022 alone. This is the fastest growth seen in records spanning 20 years.

Health Care and Social Assistance (+3,931 jobs), Construction (+1,603) and Professional, Scientific and Technical Services (+1,423) were behind the largest job increases. Nearly 22,000 businesses are operating in the region.

Greater Geelong’s estimated Gross Regional Product (GRP) was $17.58 billion in the year ending June 2022 representing a 10.3 per cent increase in one year, also the fastest growth in 20 years. Benchmarking shows that of the top 20 largest economies nationally in terms of GRP, Greater Geelong had the second fastest growth (only behind Karratha and its mining industry).

There are nearly 170 major construction projects valued over $10 million, proposed, approved, under construction or recently completed in our municipality.

Mayor Trent Sullivan

“Being a strong competitor in the national jobs market contributes to the liveability and prosperity of our region.

The diversification of our local economy, significant private and public investment, a growing number of major organisations calling Geelong home and population growth have increased the type and amount of employment opportunities available.

More people are realising that not only does Greater Geelong have an enviable lifestyle and stunning natural environment, but there are competitive employment options in a range of fields.”

Deputy Mayor Anthony Aitken - Chair of the Strong Local Economy portfolio

“Our region is made up of bright and talented community members who contribute so much to Australia’s success. Geelong’s economy is thriving, but we have the size, scale and economic base to develop even further.

As well as offering employment opportunities for our growing population, we’re looking to attract talent and private investment from the capitals to drive our economy forward.”

2024 Geelong Calendar photography competition opens

Mayor Trent Sullivan

The City of Greater Geelong is calling for amateur and professional photographers to help showcase our beautiful region for the 2024 Geelong Calendar. All ages are encouraged to get creative and submit an entry

We want to see Greater Geelong through your lens, seeking images that represent what makes our region unique and diverse.

There are so many breathtaking places to capture, from iconic scenic views, stunning seascapes, wildlife sanctuaries, historic sites and heritage buildings, to inner-city streets and bustling laneways.

With some of the most picturesque landscapes in Australia, there are limitless ways to celebrate and showcase the region.

A public vote will be held to determine the final 13 photographs for the calendar, including the calendar cover photo. Last year over 5,400 voters cast their votes.

After the final 13 photographs are selected in September, more than 135,000 calendars will be printed and then posted to households in November.

Locations like aged care facilities, the Anakie General Store and the Indented Head Post Office will also receive copies of the 2024 calendar.

Additional copies of the calendar will be available to pick up at the City’s customer service centres and local libraries from November.

The competition opens on Wednesday 31 May 2023 and closes at 5:00pm on Friday 11 August 2023.

“The popular photography competition is all about celebrating the beauty and uniqueness of our region.

Last year our competition attracted over 1,000 entries with the winning photo a stunning aerial photograph of Corio Bay by Highton resident Lasith Merinpanayagam.”

Councillor Melissa Cadwell - Chair of the Creativity and Culture portfolio

“Our annual calendar photography competition provides residents with an opportunity to celebrate and share our local landscapes, seascapes and urban places in a way that can only be truly appreciated visually.

People love the calendar. It’s really very popular.

Every year I’m amazed by the quality of the photography. We live in such a beautiful part of the world and our annual calendar photography competition is for residents with a passion for photography, to get out and about.

There’s so many good submissions, it’s hard selecting the final 13, but thankfully the community helps us by voting for the best ones.”

General Admission

A$26.09

GEELONG LOCAL

Good communication is what separates poor leaders from exceptional ones. When conversation is intentional, performance can be improved.

The modern-day leader must be adaptable, rising to both changing situations and behaviours, to help their employees achieve their full potential in fast-paced business environments.

The best leaders are those who can inspire employee engagement, motivation, and productivity... but it’s not always so easy to Get the Message Across!

The effects of communication breakdowns at work can be serious: poor productivity and disengaged staff affect your bottom line. Good communication is what separates poor leaders from exceptional ones. It may seem simple, but it requires skill. Choosing the right words, and communicating with clarity, intent and impact, help elevate your conversations and in turn, improve all-round performance.

This experiential training will turn you into a leader who can:

* Increase your self-awareness and communication skills so you can be more assertive at work, fulfilling professional goals

* Understand how people are different... and what each really thinks!

* Develop a confident self-awareness

* Know why it’s important to tap into the unconscious mind

* Thrive under pressure

* Increase motivation levels and inspire employee engagement

* Better understand why we do and don’t connect with some... reducing any conflict

* Improve others’ perception of you to increase cohesion and collaboration and

* Improve the ability of others to work with changing priorities

The

Geelong Chamber

$27 AUD + BF

Turn Your Dreams into $$$$

Do you have an idea to start up your own business, but are not sure where to start or what is needed?

Why wait? Now is the perfect time to prepare! PROPER PREPARATION PREVENTS POOR PERFORMANCE

With your new business, you know what you want but are not sure of all the steps to cover your bases. Initial planning will ensure clear sailing into sustainable growth.

In this workshop, you will gain the tools and strategies in 5 easy steps to empower you to plan for your success.

Once you identify your true goals, you can focus on a clearly planned strategy to achieve what you want for your future. A thorough analysis of your business ideals, client base, competition and business drivers enables an easier planning process to manage.

Setting realistic PLANS that keep your TRAMS on track with:- Timely - Realistic - Achievable - Measurable - Sustainable strategies

Over the 2 hours, we will touch on many of the facets of your business: Branding, Product Assortment Plans, Vision Statement, Mission Statement, Branding, Values, Standards, Presentation, Processes, Procedures, Logistics, Differentiators, Marketing Strategies, Staffing and so much more.

You will leave with the tools to research, analyse and set the parameters to set your business on an upward trajectory towards attaining your goals.

A copy of “Your Passion Your Future” valued at $29 will be given to you included in the ticket price at the conclusion of the workshop.

Date and time Tue 15th

2023, 6:15 pm - 8:00 pm

Headshot Day

SOCIAL SELLING – PART 1. CREATING THE RIGHT MESSAGE TO MARKET ONLINE

EMPLOYMENT LAW UPDATE –THE NEW PAY SECRECY LAWS

EMPOWER ABILITY: TRANSCEND BARRIERS & LIMITED ABILITIES TO CREATE LIMITLESS SUCCESS

UNLOCKING THE SECRETS TO SMALL BUSINESS SUCCESS

GREAT SYSTEMS & PROCESSES ARE WHAT MAKE YOUR BUSINESS BIGGER THAN YOU

CONFIDENCE ON CAMERA

EMPLOYER GUIDE TO EMPLOYING INTERNATIONAL STUDENTS AND GRADUATES

IDENTITY

NOURISH TO FLOURISH: ELEVATING WORKPLACE HEALTH FOR BUSINESS SUCCESS

SOCIAL SELLING PART 2 –BRINGING PEOPLE EASILY INTO SALES CONVERSATIONS ONLINE

WORKPLACE WELLNESS PROGRAM – PILATES & NETWORKING

UNLEASHING RESILIENCE THROUGH ART – A SMALL BUSINESS JOURNEY

INSTAGRAM ESSENTIALS FOR BUSINESS – ONE DAY WORKSHOP

MARKETING FOR ECOMMERCE: BUILD VISIBILITY, INFLUENCE AND SALES

LIGHTS CAMERA CONVERSION! ACCELERATE YOUR BUSINESS WITH VIDEO MARKETING

BUSINESS INSURANCE

TIPS & TRAPS

WORK INTEGRATED LEARNING PROGRAM THAT SUPPORTS SMALL BUSINESS

HOW TO CREATE A BRAND WITH HEART HOW TO CREATE A BRAND WITH HEART

BUILDING CYBER RESILIENCE

THE POWER OF COACHING TO ENGAGE TEAMS

TURN YOUR DREAMS INTO $$

BUILD A BETTER BUSINESS

COMMERCIAL LEASING 101

W e e k 3

KNOW YOUR NUMBERS – UNLOCKING FINANCIAL FREEDOM FOR YOUR BUSINESS

BASIC FOOD LABELLING FOR FOOD BUSINESS

BASIC FOOD LABELLING FOR FOOD BUSINESS

W e e k 4 W e e k 5

USING AI TO CREATE COMPELLING MARKETING CONTENT CHARGE AND DRIVE YOUR WORKPLACE INTO THE FUTURE

BOARDROOM INSIGHTS

FROM BURNOUT TO BREAKTHROUGH: INSIGHTS FROM THE GENERATION BEHIND THE GREAT RESIGNATION

17 Aug, 11:00 - 12:30 29 Aug, 12:00 - 15:30 31 Aug, 07:00 - 09:00

ECOMMERCE MEETUP

THE BIG GEELONG COWORKING DAY & TOUR

KNOW YOUR NUMBERS – UNLOCKING FINANCIAL FREEDOM FOR YOUR BUSINESS

INSTAGRAM AND CONTENT CREATION 101

CONTENT MARKETING ACADEMY

In Person In Person

23 Aug, 18:00 - 19:00

17 Aug, 13:30 - 15:00 Online In Person

SMALL BIZ SPEED DATING AT SONDER

EMBRACING THE POWER OF DIVERGENT MINDS STARTING A HOME-BASED FOOD BUSINESS STARTING A HOME-BASED FOOD BUSINESS GET BACK AN HOUR IN EVERY DAY

HEY, YOU’RE LOOKING GOOD

BASIC FOOD LABELLING FOR FOOD BUSINESS

In Person Online

25 Aug, 17:00 - 19:00 31 Aug, 11:00 - 12:00

CORPORATE SOCIAL RESPONSIBILITY AND THE LEUKAEMIA FOUNDATION

17 Aug, 13:30 - 15:00 In Person In Person

21 Aug, 09:30 - 23:30 In Person 21 Aug, 11:30 - 13:30 Online 23 Aug, 10:00 - 11:00 23 Aug, 12:00 - 13:30 24 Aug, 13:30 - 15:00 24 Aug, 13:30 - 15:00 25 Aug, 07:30 - 09:00

SUSTAINABILITY AND WATER EFFICIENCY SUSTAINABILITY AND WATER EFFICIENCY WHERE BUSINESS MEETS SPORTS In Person In Person Online In Person Online

OPTIMISE YOUR ONLINE STORE FOR SEO In Person In Person

INCLUSION FOR TRANS AND GENDER DIVERSE EMPLOYEES

GROW YOUR ECOMMERCE BUSINESS WITH EMAIL & AUTOMATION

THE In Person In Person In Person

In Person In Person

30 Aug, 11:30 - 13:30 30 Aug, 15:00 - 16:00

CANVA & CONTENT CREATION FOR SMALL BUSINESS

25 Aug, 18:00 - 19:00 31 Aug, 15:00 - 16:30

GROWING REAL ESTATE ASSETS ALONGSIDE YOUR BUSINESS FIND YOUR VISION AND MISSION: BUILD A POWERFUL, UNSHAKEABLE BRAND WITH A PURPOSE DRIVEN FOUNDATION RIPPLE DEEP DIVE 16 Aug, 16:30 - 18:30 29 Aug, 09:00 - 10:30

17 Aug, 15:00 - 17:00 30 Aug, 18:00 - 19:30

LEADING FOR PERFORMANCE & WELLBEING

In Person In Person In Person 24 Aug, 00:00 - 23:59 24 Aug, 10:00 - 11:00 25 Aug, 10:00 - 11:00 28 Aug, 08:00 - 20:00

Mosaic Lamp Making Workshop

Ticketing Bookings are essential.

TICKET

When Various dates from 15 July 2023 to 16 July 2023

Where Highton Hub Hall

Wadawurrung Country, 257 Roslyn Rd, Highton VIC 3216

Cost

Other/More Information: $99.00 Mosaic Lamp

Contact

Email: popup@artmasterclass.com.au

Phone: +61 459 902 606

Associated organisation: Art Masterclass

Website: https://www.artmasterclass. com.au/products/mosaic-classesgeelong

Follow us:

https://www.facebook.com/ artmasterclass.au

https://instagram.com/artmasterclass.au

In Geelong, Art Masterclass offers traditional craft workshops along with a mix of modern art classes. Introducing the art of Turkish mosaic lamps to Australia for the first time.

During this 2.5-hour class, you will learn the techniques of this ancient craft that dates back 500 years. This course will teach you how to lay tile (tesserae) as well as how to assemble geometric patterns. Make your own Turkish mosaic lamp by choosing a geometric template and following the directions!

We offer sumptuous Turkish tea service delicious treats and homemade Turkish shortbread cookies at all of our workshops and events.

Customized workshops can be arranged for private functions corporate events and special welfare events. We also offer gift vouchers which are a great gift idea for family and friends.

Come along bring a friend or group and take home a creative masterpiece from our workshop! Discover your full artistic potential with our experts.

Kids Art Classes ( ages 6-12 years) Term 3, 2023

Students will learn a range of art techniques and explore differing styles through drawing, painting, collage and construction activities. Weekly projects will provide opportunities for children to learn about art history and experiment with various materials such as watercolour, acrylics, pencils, pastels, air drying clay and more.

Projects will be based on art elements and art principles and students will learn to mix colours, create interesting compositions and build observational and imaginative drawing skills. Through a series of fun and exciting activities, students will learn to express their creativity and imagination.

Classes held on Thursdays and Fridays during school terms. Please visit my website for more details.

When

Every Friday of every week from 14 July 2023 to 15 September 2023

Where Eastern Hub

Wadawurrung Country, 285a McKillop Street, East Geelong

Email: katrinafisher145@gmail.com

Phone: +61 409 236 164

Website:

https://www.katrinafisherillustration.com/ kids-art-classes/

A monthly event for animal focused creatives to share ideas, skills, and collaborate on creative/artistic projects for animals. We welcome people at all levels of experience including those who are interested in learning news skills to help animals. All forms of creativity and art welcome. As a group we hope to work towards a exhibition of works exploring themes related to animals, advocacy, and veganism.

3rd Wednesday of the month, 5-8PM (soft start, come when you’re able)

The House, Shop 8, Centrepoint Arcade 132 Lt Malop St, Geelong

When

Various dates from 21 June 2023 to 15 November 2023 5:00pm - 8:00pm

Where The House

Wadawurrung Country, Shop 8, Centrepoint Arcade 132 Lt Malop St, Geelong

Contact Email: thehousegeelong@gmail.com

Associated organisation: The House Geelong Website: https://www.instagram.com/thehousegeelong/ Follow us: https://www.facebook.com/thehousegeelong/

Contact Katrina Fisher

geelong artshow

The Geelong Art Show has been formed as a Not For Profit by a committee of community-minded individuals with the skill sets to drive the art show to a successful annual event.

Music in the City - The Jones

Pack a picnic or grab something to eat, bring the family and friends and join in a special performance.

Treat yourself and come on in to see Gary and Jenny Jones.

Singer, songwriter, multi-talented performer, 2019 Geelong’s Best Busker winner and winner of nationwide novice song writer of the year by the Tamworth Songwriters Association for his song - Kalgoorlie Dreaming.

Pack a picnic or grab something to eat, bring the family and friends and join in a special performance.

When

Various dates from 1 June 2023 to 24 July 2023, 12:00pm - 02:00pm.

Where Little Malop Central

Contact Helen O’Beirne

Treat yourself and come on in to see Gary and Jenny Jones.

Singer, songwriter, multi-talented performer, 2019 Geelong’s Best Busker winner and winner of nationwide novice song writer of the year by the Tamworth Songwriters Association for his song - Kalgoorlie Dreaming.

Email: hobeirne@geelongcity.vic.gov.au

Phone: 03 5272 4804

Website: www.geelongaustralia.com.au

People interested in creating with fabrics, thread, and any other textile. Whether you sew, stitch, crochet, or knit, all forms of textile craft and art are welcome. We have people working on and interested in embroidery, quilting, dressmaking, dyeing fabrics and screen printing on fabrics. Come create, share ideas and build new skills. Bring your own materials and equipment to work with. The space will be open from 5pm but people can show up when they like.

Second Thursday each month, 5-8pm (soft start, come when you like)

When

Various dates from 8 June 2023 to 9 November 2023

Where The House Wadawurrung Country, Shop 8, Cantrepoint Arcade, 132 Lt Malop St, Geelong

Contact Email: thehousegeelong@gmail.com

Associated organisation: The House Website: https://www.instagram.com/ thehousegeelong/

Follow us: https://www.facebook.com/ thehousegeelong/

Swan Bay Express Train Rides

The Bellarine Railway offers scenic train trips along the shores of Swan Bay...!

Take a scenic train trip along picturesque Swan Bay in carriages that are fully enclosed yet offer the time-honoured option of raising a window to really become part of the passing landscape.

Our volunteer Booking Officers will issue passengers with an Edmondson ticket as a souvenir of the trip and offer a printed Lineside Guide and Spotto Activity Sheet for the kids – so make sure you ‘check in’ at the booking office window before jumping on-board!

Fur passengers are welcome to travel with their families, providing they are friendly with fellow passengers and travel in the carriage allocated by our volunteers. Space may be limited and is offered on a first-come, first-served basis.

When

Various dates from 4 June 2023 to 30 July 2023, 11:00am - 03:00pm

Contact: Kate Kenny

Email: info@bellarinerailway.com.au

Phone: +61 3 5258 2069

Associated organisation: The Bellarine Railway

Website: http://bellarinerailway.com. au/heritage-train-rides/

Follow us: http://www.facebook.com/ TheBellarineRailway

Youth Matters Foundation Gala Launch event

Join us for this wonderful mid Winter event at Truffleduck to launch Geelong’s Youth Matters Foundation.

Come along and support the launch of Youth Matters, a foundation providing desperately needed supports to young people with disabilities who otherwise do not qualify for the assistance they need.

This fun event at the gorgeous Truffleduck establishment won’t be the usual round table affair. So get your glad rags on and enjoy themed food and drink stations, a charity auction run by the stunning drag queen Ivana Kebab and dance music provided by DJ Ali.

Like to contribute or donate with additional support...? Contact lesley@ amable.org.au to discuss an auction donation or sponsorship

Ticketing

Get your tickets now and join us for this dazzling fun evening.

When

22 July 2023, 06:30 PM10:30 PM

Contact Lesley-Caron Veater

Email: lesley@amable. org.au

Phone: +61 433 605 929

Associated organisation: AmAble Community Services

Website: www.amable.org.au

Follow us: www.facebook.com/amablecn www.instagram.com/amablecn

Geelong United All Abilities BasketballSeniors (18 and over)

Piccadilly Night Market

With 60 market stalls, you’ll have plenty of options to explore and purchase local and unique goods.

There will be live entertainment, 10 + food trucks will serve up delicious meals and snacks and you can grab a sneaky drink from the bar. And for the younger visitors, the event will also feature a Fun Farm and a chalk painting area as well as some FREE glow in the dark activities.

Best of all, the Piccadilly Night Market is dog-friendly, so bring your furry friends along for the evening!

Admission is just $5 for those aged 16 and over with some proceeds being donated to The Black Dog Institute.

The Open House Theatre Night Market Series

We could not be more excited to be teaming up with the Geelong Arts Centre to host two amazing night markets in one of the brand-new spaces called The Open House Theatre. It opens up onto Little Malop Street and will showcase 50 incredible makers. There will live entertainment on offer too.

If you are attending a show on those dates come a little earlier and have a peek. For our regulars and/or you are heading out for dinner in the fabulous Little Malop precinct this is a perfect way to start your weekend.

Geelong United Basketball in partnership with Reclink Australia is facilitating all abilities basketball.

The focus of this program is to develop skills and promote a fun, safe and inclusive environment for all participants.

• Book your tickets online now

When

Every Thursday of every week from 01 June 2023 to 14 December 2023

11:00am - 12:30pm

Where

Leisuretime Sports Precinct Wadawurrung Country, 262-282 Anakie Road, Norlane VIC 3214

Contact Joseph Pilon

Email: jpilon@geelongunitedbasketball.com.au

Associated organisation: Geelong United Basketball

Website: http://www.playhq.com/ basketball-victoria/register/1db1fd

Friday 15 September and 6 October 2023 will be held at Geelong Arts Centre.

When

Various dates from 28 July 2023 to 17 November 2023, 05:00pm - 09:00pm

Contact: Janina Lear

Email: janina@piccadillymarket.com.au

Phone: +61 411 131 064

Associated organisation: Piccadilly Market

Website: www.piccadillymarket.com.au

Follow us: http://www.facebook.com/ piccadillymarket

http://www.instagram.com/ piccadillymkt

A powerful celebration of Indigenous culture through storytelling, original songs, and dance, RECKONING is a multiaward winning performance tackling the modern-day effects of racism and intergenerational trauma.

Serving as a recognition of past injustices, a journey through understanding, and a celebration of Indigenous cultures’ survival,

THE RED WINES OF SPAIN AND PORTUGAL WINE TASTING

Join Archive owner and WSET Educator Graham Sutherland as he takes you on a journey of the regions of the Iberian Peninsula, tasting your way through some of the finest wines the country has to offer.

You’ll taste wines from Rías Baixas, Rioja, the Douro Valley and Ribera del Duero among others.

A fun and informative way to learn about wine. You’ll pair six wines with some tasty cheeses, while learning about the subtle differences in Spain and Portugal’s growing regions.

27 July 2023.

Contact: 03 5241 9030

Archive Wine Bar 140 High Street Belmont, Victoria 3216

Featuring original costuming, symbolic staging, atmospheric lighting, inspiring lyrics in language and an utterly danceworthy contemporary soundtrack by Samuel Gaskin and The Merindas, RECKONING is cross cultural, multidisciplinary work which fuses Indigenous cultures from Aotearoa, New Zealand and Te Whenua Moemoea (Land of the Dreamtime) Australia.

Six diverse artists will combine personal stories of their ancestors with original songwriting as they explore the power of connecting to their Indigenous bloodlines.

When

Daily from 28 July 2023 to 29 July 2023 07:30pm - 08:30pm

Contact

Geelong Arts Centre

creativity and strength, RECKONING is about reclaiming our power, reconnecting with our Ancestry, rediscovering our Indigenous blood lines and reclaiming the parts of ourselves we’ve forgotten – and been made to forget.

Employing strong visuals projected on screen, emotionally charged song, deeply

Email: boxoffice@geelongartscentre.org.au

Phone: +61 1300 251 200

Associated organisation: Geelong Arts Centre

Website: https://geelongartscentre.org. au/whats-on/all-events/reckoning/

Team Selection | VFL Round 16

Geelong will unveil another debutant in Sunday’s VFL clash with North Melbourne, with Wangaratta footballer and former Murray Bushranger Hunter Gottschling set to make his debut.

Gottschling has been named among four inclusions for the Cats for the game at GMHBA Stadium.

Marcus Herbert returns after missing last week with a calf injury, while Thomas Panuccio and Jack Evans also return to the lineup.

Osca Riccardi (back tightness) and Tom Feely (foot) will miss the clash through injury, while Jamie Quick has been named an emergency, and Oisin Mullin has received a call-up to the AFL side this week.

First bounce for the VFL match will be at 5.35pm on Sunday, following the AFL clash at GMHBA Stadium.

Patrons who would like to attend the VFL match will be asked to make their way to Gate 5 at the conclusion of the AFL game. Gate 5 will open at 5.05pm for the public to enjoy the VFL match from the Reg Hickey Stand.

Entry is free for Cats members and AFL Round 17 ticket holders. VFL tickets are $10 for non-members.

VFL Round 16

IN: Marcus Herbert, Thomas Panuccio, Jack Evans, Hunter Gottschling

OUT: Osca Riccardi (injured), Oisin Mullin (AFL), Jamie Quick (omitted), Tom Feely (injured)

DEBUT: Hunter Gottschling (Wangaratta / former Murray Bushrangers)

Geelong has named a debutant among four inclusions for Sunday’s VFL clash

Religious Groups and Churches

What’s Happening...

Meet the Aboriginal artist behind our 2023 NAIDOC Week campaign

Westfield acknowledges the Traditional Owners of the land on which our business operates, and we pay our respect to their Elders past and present.

National NAIDOC Week is a time for all Australians to learn, celebrate and recognise the history, culture and achievements of Aboriginal and Torres Strait Islander peoples. This year, the NAIDOC Week theme ‘For Our Elders’ pays tribute to the important role Elders play in Indigenous communities and families. They are culture knowledge holders, guiding generations and paving the way for advocacy and activism across multiple sectors including health, education, the arts, politics and everything between.

To understand more about the significance of NAIDOC Week and this year’s theme, we sat down with proud Dja Dja Wurrung and Yorta Yorta Black Fulla, ENOKi (they/them) - the artist behind this year’s NAIDOC Week creative at Westfield. ENOKi is based in Wurundjeri Country (Melbourne) and is a multi-media artist, with a focus on digital media.

What does this year’s NAIDOC Week theme ‘For Our Elders’ mean to you?

For me, this year’s NAIDOC theme ‘For Our Elders’ means taking up opportunities and spaces that my older families didn’t get the privilege to do. It is about keeping the knowledge and traditions alive that my ancestors fought so hard to keep, while colonisers tried to destroy it and force their own culture onto us.

How do you typically involve yourself in NAIDOC Week celebrations, cultural events and/or educational moments?

I show up for the mob in my community, whether it be the annual NAIDOC march or events held by people in my community, especially queer events such as gigs, talks or exhibitions.

Can you explain the meaning behind the artwork you created for Westfield?

I wanted to show that the most important thing for my people is that we have always cared and will continue to care for each other and the land. Caring for land is more than just making sure the land is healthy, it’s also about protecting our song lines and keeping traditions alive. We have a symbiotic relationship with the land - if the land is unhealthy and being destroyed then we will be unhealthy because losing our land means losing our culture too.

How is your culture and identity represented through your art?

When I think about how my culture and identity are represented through my art, it’s more than just my Dja Dja Wurrung and Yorta Yorta culture that I grew up with (across VIC and NSW). It is also my Queer identity that comes along with that, and how they both intersect with each other. From the colours and sounds around me that are made from the natural and industrial environment to the stories from my elders, and the new stories and sounds that are being made by mob. These are all the things that inspire me and are the things that show in my art.

What drew you to multi-media art?

Having ADHD I tend to hyper focus on activities, hobbies and different types of crafts, so I’ll get a random urge to pick up an art medium and then become completely obsessed with the media. I will learn everything I can about that medium, or at least the aspects the that interest me. From working with different mediums, I’ve found that materials are fluid to the story, where one material may become a part of the story and by changing that material, it can also change the story and how it’s viewed.

Find out more about our Reconciliation Action Plan here

What’s Happening...

JULY CHARITY PARTNER Y GEELONG

Market Square is excited to have Y Geelong as it’s charity partner for July 2023.

The Y is a global organisation that works locally to develop stronger communities through leadership opportunities partnering with other community, private and government organisations and addressing social change in over 120 countries worldwide.

Each Y looks and feels a little different, that’s because we have other community needs, but we all aspire to make a difference and deliver on our Mission.

Established in Geelong in 1953 Y Geelong currently has three critical facilities:

• Newtown Stadium (Gymnastics and Court Sports)

• North Geelong at The Arena

• Camp Wyuna at Queenscliff

The Y also manage:

• Bannockburn Recreation Centre

• Bannockburn Community Sports Stadium in partnership with the Golden Plains Shire.

The Y Geelong also operates Littel EdGym! Gymnastics for ages walking to 2.5 years. Helping to develop and stimulate motor skills through climbing, jumping, rolling and swinging.

Call 52 232714 or head online to book!

Click link for more details:

YMCA Geelong – Gymnastics –Programs

geelong 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.

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

poppy kettle playground

Situated on the Geelong waterfront, this park is jampacked 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.

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

skate park geelong

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.

We have more skate parks per capital than any other municipality in Australia

cunningham pier

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

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

the old paper mills

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.

Fyansford Paper Mill once

of Geelong’s most historic places to visit

geelong arts and cultural predinct

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.

Geelong Arts Centre,

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

western beach

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.

People have been swimming, boating, fishing, and playing at Western Beach Geelong since the 1840s.

Ripplesside park

Located on the western edge of the Waterfront, Rippleside Park Geelong is a pretty grass-covered foreshore reserve.

Popular with locals, Rippleside is less well-known to tourists who drive past en-route to more popular areas.

The park has magnificent bay views and is particularly appealing to families with young children who love the adventure playground.

The huge wooden structure has ramps, walkways, steps, and plenty of nooks and crannies to explore.

When the kids tire of the playground the reserve has 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.

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

steampacket Gardens

A path on the northern edge connecting the gardens to the bay has seats where you can enjoy the sea breeze and watch the nearby helicopter toing and froing.

On the eastern side you’ll find the Wharfshed Cafe serving yummy meals and to the west sits the delightful historic carousel.

There are some interesting art sculptures dotted around the park. Be sure to check out the Volunteer Rifle Band bollards and The Buoys sculpture, a group of former channel buoys that have been turned into a powerful piece of artwork.

The Geelong Waterfront Makers and Growers market (Steampacket Market) is held here on the first Sunday of each month. This popular market offers local produce, beautiful art and handicrafts, and lots of tasty treats.

Located right beside the water

Steampacket Gardens

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

the carousel

One of only a few in the world this beautifully restored carousel is considered by many to be the best that’s still in use today.

Housed in a modern steel and glass enclosure the pavilion has an old-world carnival atmosphere that’s enhanced by a pipe organ playing Dixieland melodies.

A ride on this enchanting carousel is a magical experience for children of all ages and abilities, with a mobility lift that assists wheelchairs onto the attraction.

Entry into the pavilion is free. Tickets to ride the Carousel are $5.00.

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.

The Carousel Geelong is a rare 1892 ArmitageHerschell hand-carved wooden carousel.

Old geelong gaol

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.

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

Approaching Retirement: Are you ready?

RETIREMENT

By Warren Strybosch

If life is what happens when you’re making other plans, retirement is no exception. Thanks to health issues, redundancy and family responsibilities you might be saying goodbye to working life before you’re good and ready.

If you are in a position to put your plans for retirement into action, health, wealth and happiness are all up there as things to think about. From finances to feelings about leaving work, this article is all about the things to keep in mind when planning for life beyond the 9 to 5.

Ready for change?

A job can be more than a way to get paid. When colleagues and career mean more to you than the money, moving on can be tough. If you’re expecting retirement to leave a big gap in your life, planning new routines, rewards and friendships will boost your sense of optimism and wellbeing. By thinking about this ahead of time, and even taking steps to explore options, you can feel like you’re swapping a positive experience of working life for something even better.

“I retired 3 years ago when I decided I’d had enough of work! I love being retired, it’s all about freedom to do what I want, no routine, and not having to be on guard all the time like at work.”

Pauline, retired for three years.

The right choice for your health

Whether you love your job or can’t wait to retire, your health could force the issue. Depending on the type of work you do, retiring early may become the only option when health problems are in the picture. The same may be true if you need more time to care for a partner in poor health. So it’s no wonder the Australian Bureau of Statistics (ABS) reports personal health as the second most common reason for retiring.

women said financial security had the biggest influence on their decision. Knowing what you’ll spend in retirement and where that money will come from can give you confidence that you’re financially ready to make the change. Is

part-time work an option?

Continuing with paid work in retirement can be a way to stick with a routine you’re comfortable with and make your super last longer. If you’re eligible for the Age Pension, it’s good to know you can still earn some income without your payments being affected up to a certain level (this is called the income test threshold). There is also the Work Bonus that allows you to earn income up to a certain threshold without reducing your Age Pension. And if you take a break, you can build up your Work Bonus balance and earn more when you start working again.

Visit the Department of Human Services website for more on the Work Bonus and the latest on eligibility, thresholds and balance limits.

Financially fit for retirement

The same ABS figures show wealth as even more common than health when it comes to reasons for making the move into retirement1. 41% of men and 34% of

If life is what happens when you’re making other plans, retirement is no exception. Thanks to health issues, redundancy and family responsibilities you might be saying goodbye to working life before you’re good and ready.

50% of Australians were influenced by work availability or health reasons when considering when to retire.

If you are in a position to put your plans for retirement into action, health, wealth and happiness are all up there as things to think about. From finances to feelings about leaving work, this article is all about the things to keep in mind when planning for life beyond the 9 to 5.

Expectation vs reality

The time when you want to retire and when it actually happens can often be quite different. According to the ABS, 70% of those intending to retire from the workforce indicated that they intend to retire after reaching age 653. But whilst you might be prepared to keep working well into your 60s, there’s a significant gap between that expectation and reality. For many people it’s a case of being pushed into retirement by circumstance rather than making a carefully planned choice. If we look at when people are actually retiring, the average age at retirement for those retiring in the last five years was just under 633. Almost half of Australians are making this earlier than anticipated move into retirement due to health issues or redundancy.

How long will you spend in retirement?

Freedom from working life can be a positive, even if it happens sooner than expected. But it can create problems for your finances when your time in retirement stretches into several decades.

Australians are living longer due to improvements in medical care and living standards. The average life expectancy

A National Seniors Australia survey (2015) previously found that those aged 55-64 underestimated their life expectancy by almost 5 years.

How many more years are you likely to need to plan for?

An Australian male aged 65 could expect to live to 88, while a female aged 65 could expect to live to 90.

has risen in recent years and continues to increase, particularly for people over the age of 65. And, unless living longer runs in the family, most people tend to underestimate just how long they’ll live. Of course, this is great news for all the plans you have for life beyond work. But it can put real pressure on your finances. Once you’ve stopped earning a wage from work, you’ll need a different kind of income to cover living costs and turn your plans for retirement into reality.

Speak to your financial adviser about income strategies and investments available to help protect against the risk of running out of savings later in life.

Warren Strybosch Award winning Financial Adviser and Accountant

Part of the Find Group of companies

Ph 1300 88 38 30 email: warren@findretirement.com.au

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth & Find Retirement.

Warren Strybosch Authorised Representative 236815 Find Wealth Corporate Authorised Representative 468091

Alliance Wealth Pty Ltd ABN 93 161 647 007 AFSL No. 449221 https://www.centrepointalliance.com.au/ 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.

Whilstallcarehasbeentakeninthepreparationofthis 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-todate 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.

I Estimates calculated using Australian Life Tables 2015-17 with 25-year mortalit improvements as provided by the Australian Government Actuary. There is a 50% chance of living for this number of years at these ages.

Talking about lifetime annuities

AGED CARE

By Warren Strybosch

A lifetime annuity is a financial product that pays you a regular income in exchange for a lump sum investment. Using a part of your money from savings or super, you can invest in a lifetime annuity and receive regular income payments for life.

Complement your existing retirement income

A lifetime annuity complements other retirement investments and sources of income, such as a pension from your super and the Age Pension. They provide a lifetime income which can be used as the foundation of your retirement portfolio.

Regular income you can rely on

A lifetime annuity provides regular income payments for the rest of your life. Even if you live longer than you expect to, you’ll have no concerns about your payments stopping.

Challenger lifetime annuity features at a glance

Make your retirement income last a lifetime

Challenger lifetime annuities give you an additional layer of protection in retirement and can act as a safety net giving you income for life, regardless of how long you live.

Different payment solutions to suit your needs

They provide different monthly payment solutions to suit your financial circumstances and needs. For income certainty, you can choose CPI indexed or fixed payments. Alternatively, you can choose to have payments linked to changes in the RBA cash rate or investment markets.

An Age Pension boost if you’re eligible

Investing in a lifetime annuity may help boost your Age Pension entitlements under the Age Pension asset test rules.

Flexibility to withdraw if your circumstances change

There is a long period where you can access a lump sum if your circumstances change (unless you ask for this feature to be removed). Bear in mind that a Challenger lifetime annuity is designed to be held for life, so you may get less back if you decide to withdraw.

Frequently asked questions

I need flexibility with my finances. Why would I lock my money into a lifetime annuity?

Lifetime annuities are just one source of income in retirement. By knowing you have a source of regular income, it can help you plan and budget for the future.

What if things change and I need access to my investment?

While Challenger lifetime annuities are designed to be held for life, you have the flexibility to access a lump sum within a defined period if your circumstances changei.

Will I lose all my money if I die earlier than expected?

Challenger lifetime annuities pay a guaranteed death benefit within a long death benefit periodi. The death benefit is up to 100% of the amount you invest and is payable to the beneficiaries you nominate or to your estate. This gives you certainty and control over your estate planning outcomes.

How much do I need to invest?

You don’t need to invest all your retirement savings into an annuity. You can invest as little as $10,000.

How safe is my investment?

The Challenger Life company and our annuities are regulated by the Australian Prudential Regulation Authority (APRA).

They actively monitor our investments with the aim of ensuring we can secure income payments for your lifetime. The money we receive from your investment is held separately in a statutory fund. This statutory fund is required to hold enough capital to withstand a one in 200-year investment market shock event.

CONGRATULATIONS!

WARREN STRYBOSCH

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

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022

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

Special Tax Return Offer

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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

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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.

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