Find Geelong September 2023 Edition by Find

The DECEMBER 2023

GEELONG WHAT’S INSIDE: 04

CHRISTMAS DAY AND HOLIDAYS

COLUMNIST ARTICLES

GEELONG COUNCIL NEWS

TAX UPDATES

NOT-FOR-PROFIT OF THE MONTH

IN THE SPOTLIGHT

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COLUMNIST CONTRIBUTORS FOUNDING DIRECTOR - FIND GROUP

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PAINTING & DECORATING

SALARY PACKAGING

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

STEVE DAHLLOF

DAN NICHOLLS

BUSINESS COACH

BOOKKEEPER

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DEB FRIBBINS

MARY-CLARE SWITZ

TIM & NARELLE KNOTT

ALLISON GROOT

HEATING AND COOLING

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HAIR DRESSER

ACCOUNTING

STACEY DALTON

ETHAN STRYBOSCH

CHEY DEVEY

ANJANA JOGI

IT CONSULTANT

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KATHERYN MESSENGER

Are you our next Solicitor?

Are you our next Finance Broker?

JUSTIN MIDDLETON

GETTING TO KNOW YOUR FIND GEELONG MEMBERS See who we’re highlighting this month ON PAGE 48

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About the Find Geelong By Warren Strybosch

The Find Geelong is a community paper that aims to support all things Geelong. We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Geelong for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findgeelong) so you keep up to date with what we are doing. We value your support, The Find Geelong Team.

Geelong The

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

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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Christmas Day and Holidays The Magic of Christmas Day and the Joy of Holiday Celebrations The Christmas season is a time of joy, togetherness, and reflection for people around the world. At the heart of it all is Christmas Day, a holiday that holds a special place in the hearts of many. While Christmas is perhaps the most widely celebrated, it’s just one of several holidays that make up the festive holiday season. Christmas Day: Celebrating the Birth of Jesus Christmas Day, celebrated on December 25th, is a significant Christian holiday that commemorates the birth of Jesus Christ. It’s a time when Christians come together to reflect on the story of the Nativity, the birth of Jesus in Bethlehem, as recounted in the Bible. This day holds deep religious meaning for Christians and is often observed with church services, nativity scenes, and carol singing.

For many, Christmas is about much more than its religious origins. It’s a time of giving, love, and sharing. Families and friends come together to exchange gifts and express their affection for one another. The tradition of decorating Christmas trees with ornaments and lights, along with the anticipation of Santa Claus’s arrival, brings a sense of wonder and excitement, especially among children. Santa Claus, also known as Father Christmas in some regions, is a beloved figure associated with Christmas. He is said to travel the world on Christmas Eve, delivering gifts to well-behaved children. The story of Santa Claus, with his iconic red suit and reindeer-drawn sleigh, adds a touch of enchantment to the holiday season. The holiday season is a time of reflection, gratitude, and the joy of spending quality time with loved ones. It’s a time

Infrastructure advisory body gets facelift after cuts Dominic Giannini (Australian Associated Press)

The peak independent body that advises on the nation’s largest infrastructure projects will be revamped. Reforms for Infrastructure Australia that passed the Senate on Tuesday mean the organisation will get the power to inquire into nationally significant infrastructure projects. Its functions have also been redefined and a new governance structure will be put in place. The coalition had allowed the independent body to lose its direction and be stacked with political board appointments, assistant minister Anthony Chisholm said. “They destroyed Infrastructure Australia as a major economic body and instead

used it as a vehicle to give jobs to their mates,” he told the Senate on Tuesday. “They ignored Infrastructure Australia’s priority list and instead invested in imaginary car parks rather than major projects that would lay the foundations for the nation’s future economic growth.” The minister said Infrastructure Australia would now provide “relevant and timely expert advice” to the government on infrastructure planning and project prioritisation. It will also remove duplicating work with the state and territories. The body will be governed by three commissioners appointed by the minister while the CEO will be appointed by the commissioners.

when cultures from around the world come together to celebrate the values of love, kindness, and generosity. No matter which holiday one observes during this special time of year, the message of unity and goodwill remains a constant, making the holiday season a truly magical and heartwarming time. Christmas Day is a central holiday in the holiday season, celebrated by Christians and non-Christians alike. It’s a time of giving, sharing, and cherishing the presence of loved ones. However, it’s just one of many holidays that collectively make the holiday season a time of joy, celebration, and reflection. Whether you celebrate Christmas, Hanukkah, Kwanzaa, or any other holiday, the spirit of togetherness and goodwill is what truly defines this festive time of year. By Mary Barnes

However, the bill failed to enhance the transparency of government decisions after the minister cut funding for dozens of projects, opposition infrastructure spokeswoman Bridget McKenzie said. “If you want to know why we bother having an infrastructure pipeline, it’s so that Australians have the road projects they need to get home swiftly and safely,” Senator McKenzie told the Senate. “That out in the regions we have a road network that allows us to get our fabulous product to ports and to capital cities to market around the world and that our truckies can travel on roads that are safe.” The amended legislation will need to be ticked off by the government-controlled lower house when it sits for the final time this year on Thursday. Infrastructure Minister Catherine King cut about $7 billion worth of commuter car parks, fast rail and other infrastructure projects, citing a $33 billion budget blowout. The cuts represented projects that were not realistically going to be delivered with the available funding or had made little to no progress over a significant amount of time, Ms King said.

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Christmas is nearly here and Council’s Christmas program is now well underway following the official opening of the floating Christmas tree in November. This event signifies the beginning of what is one of the best times of the year for our region. Over a number of years now we have been working tirelessly to establish Geelong as the Christmas capital of Australia, and the team at the City continue to make improvements on the program with new offerings. It is a wonderful time of year and in 2023 there is once again something for everybody looking to partake in the spirit of Christmas. The projections on City Hall are always a big hit for families, as are our Letters to Santa, which offer kids the opportunity to send a message to the man in the big red suit in time before he makes his journey around the world on Christmas Eve. The Giant Selfie Trail, with more than 20 locations, is a fun way to explore the city on foot or by bike, there are competitions and the school Christmas Trees in Johnstone Park showcase the creative side of students around Greater Geelong. There are plenty of events for adults as well, and for those looking to take part in their own activities or to find something to do with friends, there are masterclasses, markets and special Piano Bar Christmas events. Those who like to get out and be active have also got lots of options during the upcoming festive period, with swimming, golf, yoga and surfing on offer with a special Christmas twist. Full details of the program are available at the Christmas in Geelong website. As Mayor of the City of Greater Geelong, I want to take this chance to acknowledge that it has been a challenging year for many Australians, and people in Geelong are no different. I hope that our program can bring some happiness to those who need it most this year, and I wish everybody a safe and merry Christmas.

Geelong Column By Mayor Trent Sullivan DECEMBER 2023 | FIND GEELONG

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Opportunity: Contributing to super can help reduce your capital gains tax while boosting your retirement savings

ACCOUNTANT

“15% tax instead of your marginal tax rate of up to 47%”

By Warren Strybosch

Have you sold an asset this year that created a significant capital gain, such as an investment property or a share portfolio? Are you wanting to increase your chances of a financially comfortable retirement by investing funds in the concessionally taxed super system? Making a personal contribution to superannuation may not only boost your retirement savings. You could also have the opportunity to claim some or all of your contribution as a tax deduction, allowing you to reduce your taxable income in the year of contribution. Concessional contributions Concessional contributions (commonly referred to as pre-tax contributions) are typically those contributions made by your employer, such as superannuation guarantee and salary sacrifice contributions and your own personal contributions where a tax deduction is claimed. By claiming a tax deduction for your super contributions, only 15% tax is payable on the contributions going into the super fund compared to your marginal tax rate of up to 47%. This could mean a tax saving of 32 cents in every dollar contributed.

For those on high incomes, where your total income and concessional contributions for the year exceed $250,000, an additional 15% tax may be payable on your tax deductible contributions (known as Division 293 tax). Even if this additional tax applies, 30% tax on contributions is still significantly less than the 47% top marginal tax rate. It’s also important to note that for those aged 67-75 if you wish to claim a tax deduction for your personal contributions, you will need to meet a

work test (or work test exemption) in the year of contribution. Cap on concessional (deductible) contributions There is a limit on the amount of concessional contributions that may be made in a financial year. This limit is currently $27,500 per annum. Plus, new rules came into play from 1 July 2018 where, any unused concessional contribution cap that accrues from 1 July 2018 may be carried forward for a period of up to 5 years. This measure only applies to those people with a total superannuation balance of less than $500,000.

Case Study Jon is 57 and recently sold an investment property which created a $100,000 capital gain. When added to his employment income, his assessable income for the year is $240,000. Jon has a total of $400,000 in superannuation, and his concessional contributions since 1 July 2018 are: Year

Concessional Contribution

Concessional Cap

Unused Cap

2018-19

$15,000

$25,000

$10,000

2019-20

$25,000

2020-21

$15,000

$25,000

$10,000

2021-22

$15,000

$27,000

$12,000

2022-23

$27,000

Cap Avaible

$32,500

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Over the past five years, Jon has made concessional contributions each year however, in some years, he didn’t use all of the cap and has $32,500 of unused cap available. Case Study

Warren Strybosch Step 1

Jon makes a $60,000 personal contribution to super from the sale proceeds of his property.

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

Step 2

As Joh has a concessional cap of $27,500 this year plus $32,500 unused cap from previous years, he can claim all of the $60,000 contribution as a tax deduction.

Step 3

That’s $60,000 taxed at 15% contributions tax compared to Jon’s marginal tax rate of 47% - a tax saving of $19,200.

Next Step Could you benefit from claiming a tax deduction for a personal contribution to super this year? Talk to your financial adviser to see if this super boosting, tax reducing opportunity is available to you.

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

CONGRATULATIONS! WARREN STRYBOSCH Find Group on winning the Holistic Adviser of the Year again at the IFA Excellence Awards 2022. Find Accountant | Find Wealth | Find Retirement | Find Insurance | Find Aged Care Services | Find Foundation | Find Network 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.

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How to Set Yourself Up for Success in 2024

Photo by Christina @ wocintechchat.com on Unsplash

LEADERSHIP & TEAM SPECIALIST By Sally Higoe

Although it is something everyone sets out to achieve, success is a concept with a different meaning for everyone. It could mean having a great career, a perfect family, or a dream home. There are a wide range of success variables, but they all have one thing in common; when they are achieved, you feel proud, fulfilled, and motivated to be better in the future. But how do you set yourself up for a journey towards success? Have The Right Mindset For obvious reasons, this one is crucial when gearing up. Your success all starts in your head. Asking the right questions is crucial for your definition of success and the foundation you lay for it. What do you want to achieve in 2024? What is the main objective at the moment? What are the actionable steps towards achieving your goal? The truth is, that many obstacles will fly right in your face when you are going after these goals. Without the right mindset, you will easily fall out of track. You know yourself best and how to be positive, even in the face of adversity.

Having the right mindset revolves around trusting yourself and getting rid of any self-deprecating thoughts. By identifying the challenges that you might encounter along the way, your mind is prepared to overcome them and keep moving forward. Decide on Your Strategies and Write Them Down Your imagination is the only limit to what you can achieve, and should guide your strategies. A bundle of healthy strategies leads to achieving goals. Writing down strategies is important because: • • • • •

It motivates you. You get a clearer image of what your success looks like in progressive steps. It helps you stay focused on the target. You can track your progress with time. You move each day with intent.

The simple rule for strategising to work is that the strategies should be smartly crafted, well-defined, achievable, and committed. Strategies should also be motivating enough to make you excited about working on them each day. To ensure the strategies are motivating, let them answer the question “Why is it important to achieving success”. Now, the next question that needs to be answered is the “HOW”. And that is by..

Getting the Right Tools for The Job One of the mental traps when setting out to be successful is to assume that you are capable of doing, and know everything. Most people do not know what they need to be successful, yet they still start off, hoping to learn from experiences. It is true though, that a lot of the things you will learn to help you achieve success will be learned from experiences along the journey. But many of the mistakes that would be made could have been avoided if you equipped yourself with everything you need at the very beginning. In every journey, there is a lot one doesn’t know, and even a lot more that the person is not even aware that they do not know. Taking time to prepare and learn before starting is important. However, there is an exemption, you might fall into the temptation of overpreparation and delay in starting your actual success journey. Take time to understand everything that is needed. That might mean having the right skills, and equipment or putting together a small team. For constantly evolving industries, you might need to upskill to catch up.

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Shying away from professional help impedes the progress toward your success. When you bring a different perspective into the process, you get new ideas and the motivation you need to keep going. Some other ideas you should consider during your preparation include: 1.

2. 3.

Managing time effectively. This does not only help you account for all the time you spend preparing but also trains you on how to manage your time once you transition into the actual work. Get a good workstation. Prepare to pay the “entry fee”. Almost every venture needs some kind of investment as you start, whether it is a downpayment for a house, capital for a business, money for the right equipment, etc. Having that at hand

is an essential part of your success journey. I don’t know exactly what you want to achieve in 2024, but if you start flexing your thinking muscle now, assembling all the tools you need and strategising before the year ends, you’re halfway there. If you’d like help with your planning, let’s book in a time for a 30 minute complimentary chat and we’ll lay out your path to success right there and then! Use this link to book your call https:// calendly.com/sally-team- resilience/30min-chat. In the next edition of the paper, we’ll continue with some helpful success and planning staratgiei too so be sure to look out for that. Till then, wishing you all a very happy festive season.

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

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

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Leadership coaching that connects your team and drives results

SALLY HIGOE Leadership & Team Specialist

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4 Myths about HECS/HELP and Salary Packaging SALARY PACKAGING SERVICES By Dan Nicholls

Many young Australians are paying off a Higher Education Contribution Scheme (HECS) or Higher Education Loan Program (HELP) debt every month. Some of them have found that salary packaging is helping to get rid of that debt quicker. Unfortunately, most people are in the other group, who either believe that you can’t engage in salary packaging when you have a HECS/HELP debt, or that doing so is confusing, and leaves you with less money every month and an additional debt come tax season. This article will put everything straight once and for all when it comes to salary packaging HECS debt. In it, we’ll cover the questions you probably have about salary packaging with a student loan, the benefits, and the process. By the end, you’ll see that not only does salary packaging benefit you every month, but it actually helps you pay off your debt quicker. So, let’s get straight into it.

Salary packaging doesn’t work if you have HECS/HELP debt

This is the most common misconception when it comes to salary packaging and HECS/HELP debt. And you can understand why. Financial issues are complicated and people often find it easier to bury their heads in the sand, so they don’t have to face any of it. But salary packaging HECS debt is as simple as it is possible. And there are a wealth of benefits too. In fact, your experience will be exactly the same as the normal salary packaging process, where you’ll be able to pay reduced income tax (because of salary packaging) and receive extra pay at the end of a month. But there’s another amazing benefit that few people have realised. Because when you salary package with a student loan, your monthly debt repayments will usually increase every month. While most people may see this as a negative, all that really means is that you’re putting more money towards your debt every month. Meaning you’ll pay your loan off quicker.

Salary Packaging increases my HECS/HELP repayment so I have less cash

This is a common misconception, because when you salary package you end up assigning more money to your HECS debt every month. So while it may seem like you have less cash every month, what is actually happening is that the ATO is assigning more of your money towards paying off your loan for you. Here’s how it works. When you make use of salary packaging, you receive more ‘benefits’ because you’re taking home more money at the end of every pay cycle. So the ATO takes your salary amount, adds fringe ‘benefits’ and ends up with your adjusted taxable income. Your adjusted taxable income is used to calculate how much you pay on your HECS/HELP loan every month. The more you salary package, the higher this number will be. But that doesn’t mean you’re left with less cash. As we saw before, what it means is that you’ll already have

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saved money from salary packaging in the short term. Plus, because your monthly repayment is higher, you’re paying off your loan quicker. So the money is all yours, some of it is just being channelled into paying off your loan. 3.

Salary packaging has no effect on the HECS interest rate increase.

The reality is that more and more young Australians are using salary packaging to overcome the recent interest rate increase on their student loan. In fact, they’re using the increase to their monthly loan repayments to pay off their loan quicker - so that they can start saving and building their financial futures. On the 1st of June 2023, HECS/HELP debts increased by 7.1% because of inflation, which is unfortunately forecast to become more like the norm each year as interest rates rise after a long period of very low rates. This left the majority of young people in our country in a tough position. But salary packaging can actually be a more effective way of getting rid of that debt. But remember, the more you ‘benefit’ from salary packaging, the higher your adjusted taxable income is - and the higher that is, the more your monthly loan repayment is. So you end up paying off your debt quicker and overcoming the interest rate increase more easily - and all using the savings achieved from salary packaging.

It’s going to leave me with massive tax debt, come tax season.

your future more financially secure and way more financially educated.

No one wants to end up with a debt for unpaid HECS/HELP repayments at tax time. But avoiding it is easy. You can do that by making sure that your employer is deducting an amount for your HECS/HELP loan from your post tax income before you get paid, and that they’re deducting the correct amount. Remember, when you start benefiting from salary packaging your monthly repayment may go up, so ensure that your payroll department is allocating the correct amount to your HECS/HELP debt every month. Employer’s processes differ, but you’re most likely going to need to fill out the ATO’S Tax Declaration form or a Withholding Tax form. Speak to your employer’s finance department, and follow their process. This will mean that you’ll be benefiting from salary packaging, and paying off your HECS/HELP debt quicker - with no nasty surprises come tax season. Easy, right?

It’s always best to bring on a salary packaging expert to help you along the way. Now that you’re all clued up on the benefits of salary packaging while paying off your HECS/HELP debt, get in touch with a member of CBB The Salary Packaging People today. We offer guidance from start to finish, including supplying estimates, payroll services and any other support you may need to get your salary packaging journey started. So get in touch with us today your future self will thank you.

If you’d like to learn more about salary packaging options in NFPs, CBB The Salary Packaging People have the expertise to guide you. We’re independent specialists in NFP salary packaging.

Building your financial future, your way

If you’re willing to follow the process to set everything up at the beginning, then salary packaging with a HECS debt could mean a world of benefits. For starters, you may have more money at the end of the month. But you’ll also be able to pay off that student loan quicker too.

Dan Nicholls

You’ll also be beating the interest rate hike. And finally, it puts you in control of your finances, and empowers you to get rid of that debt so that you can step into

Salary Packaging Services dan@salarypackagingpeople.com.au www.salarypackagingpeople.com.au

Salary Packaging means you can pay less tax, use your pre-tax income to pay for everyday expenses and make • Comprehensive and always on-time your salary go further. FBT reporting

•

Direct to employee claim benefits paid in one working day

Services

Dan Nicholls Salary Packaging Services

Call us now

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after draft 2, the feedback is minimal and approved. It is very rare to go past draft 3, if your edit does then be aware that you might be charged extra. So this is why those discussions at the beginning are critical. Draft Approvals: Draft 1 - Assembly Edit Draft 2 - 4 - 5 Edit Changes Draft 3 - Minimal Changes 1 - 2, Fix Up Typos Approved and Final Assets Made

The Video Production Process VIDEO PRODUCTION By Allison Groot

As we move into Christmas a lot of companies are working out their marketing and content strategies and budgets for the new year. I thought it would be a great opportunity to talk more about the actual video production process and debunk some of the myths around it. Some of the most common misconceptions are:

That it’s hard to understand, it’s timeconsuming and costly…in part this is true. However, with technology changing so rapidly and the greater accessibility to cinema cameras, production companies can make high-end videos within a lower price bracket, we can simplify the production process and hopefully alleviate the timeconsuming component. In the initial stages and briefing in of the project, the producer will talk with you about what your requirements are. This includes your ideas, the tone of the story, what your key messages are (what you would like to say), your target audience, and anything else that is relevant to your project.

Let’s talk about cost.

This can often take a little bit of time and is the bulk of your commitment. To minimise this process, it is always good to have a clear picture in your head of what you would like to do. If not sure or it’s your first time making a video we will help walk you through the stages. Here’s my simple 10-step breakdown of the production process: Pre-Production: Concepting - The Idea, The Tone, The Style Scripting - Including Key Messages Choosing - Voice Over Artist And Music Interview Questions

Yes, video production is a higher cost than most types of marketing material but the reason for that is you are paying for knowledge and experience. The majority of production companies have a team with a wide and diverse range of expertise. They are trained at crafting and telling visual stories. They understand what works and how to get the most out of your video content, so it is worth looking at hiring a video production company as an investment in your company’s future.

Quick Tip: Look for a video production company who aligns with your company values or who has experience in dealing with your field of work. This will help mitigate any concerns you may have. If you would like to know more about how Yes Today Media can help you understand The video production process or have questions…send us an email or call.

Production: On location filming Interviews Post-Production: Editing Voice Over Motion Graphics Drafts and Finals The approval process can stump a few people. The initial draft is what we call the assemble edit. We put together a rough edit that includes all the elements that have been discussed previously. This is where most of the feedback comes in. It is common that

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

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Shopping safely this festive season Facebook Marketplace or local While Facebook Marketplace can be a useful way to buy and sell items, it can be a treasure trove for those who have questionable motives. Be sure to keep an eye out with these red flags. • • • •

IT CONSULTANT By Justin Middleton

As Christmas approaches, it is the time of year when you’re buying gifts for friends, family, and colleagues. Whether you’re buying or selling unwanted gifts, it’s easy to be fooled and lose your hard earnt money or personal information. These tips will help you steer clear of the most obvious scams, while supporting Australian businesses. Use Reputable Businesses Buying from a business with a storefront or verifiable information is a great way to stay safe this festive season. There are many small Australian businesses selling online that have a verifiable presence, providing you with valuable products and services while supporting local businesses.

Reviews and verification on search engines (Microsoft Bing, Google) and social media (Facebook, Instagram, etc.) Is the business listed in multiple places? Does it have reviews and feedback? Website address and content Does the website address and content make sense? For example, if the domain name is for a different country or has a different name then you’re expecting, it may be a fraudulent website. ABN Businesses in Australia should have an ABN, this can be checked using the ABN Lookup Tool. A verifiable ABN is a clear way to understand if the business is registered in Australia. Contact Details Are there readily available contact details? Is there a phone number or an address? If you can’t easily reach out to the business you are buying from, even if they are legitimate, it can sour your purchase if you need support.

• •

The deal is too good to be true. Profile lacking information or from a foreign country. Inability to pay via cash or bank transfer. Excuses for not being able to exchange in person in a well-lit public place. Overpayment and request to repay extra. Request for personal information (email, phone number, home address, etc.)

Where possible, organise for local inperson exchanges at safe, public places where you can inspect the purchase before handing over payment. Make sure that you don’t provide more information than necessary, it could lead to possible impersonation or other criminal activity.

These tips are general information. If you have any questions, feel free to contact Erebus IT on (03) 4210 0680 for a free check on your online purchase. Resources https://www.cyber.gov.au https://abr.business.gov.au

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

JUSTIN MIDDLETON IT Consultant

•

CYBER SECURITY

•

BUSINESS CONTINUITY PLANNING (BCPDR)

•

IT HEALTH CHECK

•

MICROSOFT 365

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IT GUIDANCE & SUPPORT

•

PHONE SYSTEMS

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DATA BACKUP & REPLICATION

•

IT INFRASTRUCTURE

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

erebusit.com.au

03 4210 0680 / 0419 131 939

Geelong, Victoria

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Five mythbusters for painting outside in summer around your neck or forehead for instant relief from heat stress. Better still, buy a polyester and cotton wrap: it stays cool for up to 2 days, is non-toxic and lasts for years. Always remember to keep yourself hydrated with water – coffee, tea, juice or even a beer aren’t nearly as effective. If paint fumes tend to make you feel queasy, wear a face mask. (Yes, they’re useful for more than Covid protection!) 5.

Painting won’t take long because it’s hot

Nope. The actual painting process may be quick, but the best paint jobs require preparation that may take longer. Spending time to prepare the surface will deliver the best results.

PAINTING & DECORATING By Steve Dahllof

With summer holidays approaching, what better time to paint your house! Here, we smash five commonly held myths about outdoor painting in summer to give you a happier painting experience. 1.

The hotter the better as the paint will dry faster

This seems logical but in fact extreme heat causes paint to dry too fast. The paint blisters, flakes and peels, doesn’t stick well and can leave possible brush marks on the surface. Ideal painting temperatures are 15–30 degrees with humidity around 20–70%. The wall you’re painting may be a different temperature from the surrounding air and will need to remain at 10–35 degrees throughout the painting process. Always check the label on the can before beginning. Acrylic paints dry within 20 minutes at 25 degrees; that’s only a moderately warm day. If the thermometer rises above 35 degrees, put down the tools and go somewhere cooler! 2.

Midday is the best time to paint

You’d think that painting when the sun is at its highest in the sky would give you an advantage, but no. A golden rule is –

follow the shadow. Painting earlier in the morning or towards sunset is much better for you and what you’re painting. Avoid the glare and heat by painting the surface on the opposite side to the sun. in the hottest part of the day, you can remove detachable shutters, door and window frames and paint them in the shade, and for inside paint jobs, open the windows and doors to release any paint fumes. 3.

Any hot day is the best day to paint

You could rely on this if you were painting in the Sahara but Victoria’s weather is liable to change swiftly from one extreme to the next. A bright summer’s day can quickly become a thunderstorm. So plan your painting day with the aid of the weather forecast, and keep an ear out for possible conditions such as dust, wind, bushfire smoke (hopefully not!) and rain. 4.

You will need to clean your brushes, wash the dust and cobwebs off walls, windows, fascias and gutters, and then let them dry. Remove mould and scrape away all blistered old paint before beginning. Lay out drop sheets where you want them. Tie back or prune plants to give yourself clear access. You may wish to apply masking tape around window glass, door handles and other such items to prevent paint splashes and smears. (Remember to remove the tape before the paint has thoroughly dried as lifting it off later can leave a ragged, jagged edge.) If you follow these precautions, you will end up with a beautiful house, without damaging your health!

For all painting advice, contact Dahllof Painting Services at sjd67@bigpond.net. au. We will be happy to answer your enquiries.

I’m fit so I’ll have this house painted in no time!

Warning: after Covid lockdowns, you might not be as fit as you were this time last year...or two years ago? And there’s physically more to painting than just stretching and lifting cans and brushes. For a start, long periods in the sun can lead to heat stroke. You must cover your head with a broad-brimmed hat, preferably with a neck flap, and liberally apply sunscreen every one or two hours. Soak a flannel in cool water and apply

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

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Elmedia Marketing:

Empowering Geelong Businesses with Free Facebook Marketing Support

DIGITAL MEDIA By Ethan Strybosch

At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we’re thrilled to introduce an exciting opportunity for businesses in Geelong. We’re extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape. No Strings Attached You might be wondering, “What’s the catch? ”Well, we’re here to tell you there isn’t one! Our mission is simple: to empower Geelong businesses. We’re offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook-meaning you only pay for the actual ads themselves. Why We’re Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the ever-evolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively. Additionally, we’re eager to gather feedback on our services. We invite you to share your experiences and leave a

review if you feel it’s worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community. What’s in Store for Your Business When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals. The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend. Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you’re a local business in Geelong, simply reach out to us to express your interest or ask any questions about the program. We’ll carefully assess your business’s unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we’re excited to showcase our capabilities.

As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Geelong community. Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business’s online advertising game. Together, we can build a stronger, more prosperous local business community in Geelong. Let’s make waves in the digital world and support the businesses that make our community great.

Feel free to contact us via email at: Info@elmedia.com.au or via our Contact Us page at Elmedia.com.au

Join Us in Empowering Maroondah Businesses Don’t let this golden opportunity slip through your fingers. Seize the chance to boost your business’s online visibility and reach a wider audience. We’re eager to extend our expertise to help you navigate the world of Facebook advertising.

Ethan Strybosch DIGITAL MEDIA info@elmedia.com.au or contact us at www.elmedia.com.au DECEMBER 2023 | FIND GEELONG

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Xmas Analysis Pays Off in Retail Dec 2023 BUSINESS COACH By Deb Fribbins

For most retailers November /December are the biggest days in any year. NOW is the time to start your analysis. You need to have kept good records of total sales on days and or weeks, on product sell through, displays, presentation, marketing, staff knowledge and skills, advertising changes and so much more. NOW is the time to be diligent with your records. Our memories are not perfect, neither that of our staff Don’t wait keep a diary now. That way in January of February depending on your business you can do a thorough analysis on your store to assist with 2024 planning. When analysing the data collected you can make sound decisions in your planning for 2024 to ensure your store sales and profit keep growing. Define any problems Determine all the factors that affected the business and analyse both the good and the bad in each case. Define the problem areas within the business, which worked and which did not: • When did you sell out of key items your clients are looking for? • Did you maximise your marketing opportunities? • Where there staff shortages at specific times? • Did the Adverting draw clients into you? • Did your marketing program work what did and what did not? • Did you maximise your opportunities with collaborations? • Did you have draw cards at the front of the store? • What theatre were you able to create instore? • Did you have key lost leaders? • Where your staff knowledgeable in all your products? • More as applicable to specific stores. Once the issues are Defined you can look to Determine which of those areas worked well. Why did they work so well? What were the effects on the business and how could be even better in 2024? • Did you sell out too quickly? • Exclusivity, did you have a range of products that were very different to your competition?

• • • • • •

Did you have additional items to complement the range? Did you have plenty of the key items? Were they displayed properly? Did you allocate enough space? Did you have sufficient staff when needed? Were the deliveries staggered to enable the staff to get them all on the floor in a timely manner?

What were some opportunities that you overlooked that could grow your business next year? • Extended trading hours, where applicable? • Additional Staff training or knowledge? • Customer service such as gift wrapping the goods? • Complimentary gift cards? • Appropriate packaging? • If the packaging was an issue are the products saleable through the year when the packaging is removed? What did not sell to plan? • Where deliveries too early? • Were deliveries too late? • Were they displayed properly? • Did you execute an exit plan in a timely and cost-effective manner? • Did you have too much stock? • Did you advertise or market in anyway? • Did the marketing plan work? • Why did it not work? • Did you cover the five rights of retail ° ° ° ° °

Right Products Right Quantiy Right Quality Right Time Right Price

The lists above just touch the tip of the iceberg of each of the possible issues Defined and the possible factors Determined to affect the outcome. There are so many more possibilities to be explored. Each business has it own needs Defined and parameters Determined, making it unique, creating a demand in your business, through differentiation to competitors. Researching the market for all the factors that affected your business and the products you sell is paramount to get you through January and the rest of the year, to plan for a more successful 2023.

What are you plans for any excess stock now? • What is your exit plan for the Xmas defined products? • Can you afford to carry any over? Financially and space availability? • Can you re package them to make them more generic, to continue selling? • The first markdown is the best markdown If you need to move the stock out do it quickly. By MidJanuary it is too late Analysis of these issue and the determining factors will enable you to PLAN better for 2024. Planning needs to be both Strategic and Tactical. What are the long-term implications to your business with old stock looking tired on the shelves? If you put the stock away till next year, Will it still be on trend?

PLANNING STRATEGIC

TACTICAL

LONG TERM

SHORT TERM

OVERVIEW

ACTION PLAN

BI-ANNUAL

BY EVENT

GOALS SET

STEP BY STEP

RESPONSIBILITY

SHARED GOALS

If you would like support to address this in your business book a time for a complimentary A.W.P. Appointment With Purpose with Deb Fribbins https:// calendly.com/deb-fribbins/discoverysession. We will explore your options together to secure longevity.

Deb Fribbins Developing Excellence in Business 0400 524 451 deb@debconsulting.com.au

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Your tax guide for parties and presents this Christmas

ACCOUNTANT By Anjana Jogi

As we approach Christmas and the holiday season, it sometimes may get difficult to keep on top of your tax obligations. To ease matters, here is a comprehensive guide that highlights the key tax matters relating to Christmas parties and gifting. Any Christmas gestures by you, whether it’s a staff Christmas party or gifting your staff members a hamper of a gift card may have certain tax implications. Presents for staff members Buying your staff members a present this Christmas? Keeping the amount below $300 per person may qualify it as a minor and fringe benefit (s 58p FBTAA 1986) and hence exempt from fringe benefits tax (FBT). Hampers and gift cards may also be exempt from FBT if the value of each item is less than $300. To qualify as a minor benefit the presents must be infrequent and not ongoing, like memberships or subscriptions. The total value of similar benefits provided throughout the FBT year should also be considered.

Christmas bonus

Presents for staff members while attending the Christmas party

If you are planning to provide cash bonuses to your employee, please note, a cash bonus is not treated as a gift and gets taxed as ordinary time earnings subject to PAYG withholding and superannuation guarantee provisions.

If you give your staff members their Christmas presents at the Christmas party, the benefits become associated benefits, but each benefit needs to be considered for the exemption separately.

Staff Christmas Party The cost of food and drink associated with a Christmas party is exempt from FBT if they are provided on a working day on your business premises and consumed by current employees. This exemption is only available for employees, not associates. If a Christmas party is not held on the business premises and the cost per person is less than $300, it may also be exempt from FBT under the minor benefits rule.

Still have questions? Reach out to us and our team will be pleased to work with you to resolve your queries. If you’re facing operational issues, tackling people challenges, or have health and safety questions, give us a call, email us or text us. We are here to help.

The ATO expects that the identical or similar benefits are provided infrequently but regularly (ie every Christmas) to qualify for the minor benefits exemption.

Anjana Jogi

If the cost per person is more than $300 and FBT gets levied on the business, the overall cost can be claimed as a tax deduction as at year end.

amanda@vanbeveren.com.au 0430 908 649 anjieaccountingsolutions.com.au

ACCOUNTANT

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Life insurance through the ages FINANCIAL PLANNER By Warren Strybosch

Whoever said, ‘the more things change the more they stay the same’, was dead wrong when it comes to life insurance. While protection against adversity is always wise, your actual needs change as you move through different ages and stages of life. From when you take your first job and go out into the world, life insurance in all its many forms has a role to play. Life insurance falls into four main categories: • Income protection - Pays a monthly benefit if you are unable to work due to sickness or injury • Trauma - Pays a lump sum for a specific injury or illness • Total and permanent disability (TPD) - Pays a lump sum if you are permanently unable to work • Death - Pays a lump sum if you die or become terminally ill. Shifting needs Life insurance is like a bell curve – you need a low level of cover when you are setting out in life, growing to a high level in your middle years when your responsibilities and debts are at their peak and then possibly dropping back when you retire. The need for cover is ultimately about ensuring you have sufficient financial back-up should something go wrong. While superannuation offers most Australians some form of life insurance, it is generally a basic level of cover and may need topping up outside super. Each stage of life has its challenges, whether you are young and single, just married, starting a family, empty nesters or retiring. Whenever a major event occurs in your life, such as marriage or the birth of a child, you need to consider whether you have the right cover for your current needs. Young and single When you are starting out in life you may not need life cover, but what would happen if you were injured in a car crash and couldn’t work for six months? What happens when your sick leave runs out? How would you pay your rent, car loan, utility bills and basic living expenses? That’s when income protection insurance can be a lifeline.

Just married Once you are part of a couple you naturally want to protect each other’s wellbeing. If something happened to either one of you it could put tremendous strains on the other person. This is even more likely if you have bought a home and are saddled with a mortgage. Life insurance, income protection and trauma insurance can all help you protect your lifestyle. And both partners should seek cover because both are contributing. Starting a family Once children come on the scene, the need for life insurance is even greater. If something were to happen to you or your partner, then the financial burden could be significant. Who would look after the children? Could they stay at the same schools? Could your partner pay the mortgage on one salary? Income protection, life insurance, trauma insurance and total and permanent disability should all be considered. Once again, it’s important to make sure both partners are covered – even if one isn’t working, the costs associated with childcare and household tasks can be considerable. Empty nesters Just because the children have left home doesn’t mean you don’t still need access to money should something occur. Sure, you are probably at the peak of your earnings, but many empty nesters still have a mortgage. Even if you don’t, why put at risk all the wealth you and your partner have worked hard to build up for your retirement? Life insurance can help you protect these assets. Retirement Once you are retired, your need for life insurance may diminish. At this stage of life, you will probably have paid off your mortgage and your children are likely to be independent. As a result, insurance cover might just be a means to leave an inheritance for your children. Or you might want to have a policy to provide for your funeral. Life is forever changing, as are your insurance needs. It is not a one-size-fitsall. How to plan a gap year for grown ups It’s not just school leavers who dream of a gap year. Those of us who’ve been working for a decade or two (or more) may also long for a real break from career and commitments.

It does not even need to be a year – just enough of an extended break to reset and to take stock of what’s important to you. There‘s the opportunity to learn new skills or another language, explore different cultures or do a road trip around Australia. By planning ahead and making sure your break is not going to derail future financial goals, taking an extended period off work can be achievable. Dare to dream Start by finding an idea that might work for you. There are a host of websites that can help you to plan your adult gap year. They will provide tips and tricks for travel and where to find work (paid or volunteer). You might consider: •

Setting off around Australia. Taking off on an extended trip you can take the time along the way to really get to know parts of the country you’ve never seen. You could camp, caravan or stay in quirky country motels along the way.

•

Chasing the sun. Research affordable countries in warmer climates and set up in a beach shack. You will need to check rules on tourist visas.

•

Becoming a backpacker. There are plenty of cheap but comfortable accommodation options around the world to allow you to prolong your time away.

•

Taking a long walk. You can find much-loved and ancient tracks in Australia and around the world to expand your horizons. From the Great Himalayan Trail in Nepal – to Spain‘s Camino De Santiago, or one of Australia‘s iconic walks such as the Heysen Trail in South Australia.

The importance of planning Once you have established what your break will involve, work out a budget that takes account of the costs you will continue to incur (such as mortgage or loan repayments, insurance, utilities, car registration and rates) as well as your best estimates for accommodation, food, travel and spending money for your destination(s). Don‘t be daunted by an amount that may appear unachievable at first glance.

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Work out how to save on costs when travelling. Some ideas include: •

•

Living like a local. Try swapping your house with someone in another part of the world. House swap websites match up homeowners looking to live in different places for varying periods of time. Alternatively, you could rent out your home while you are away and/or sign up to a housesitting website. Working differently. Your gap year might be more about doing something different than taking it easy. Find organisations and websites – such as http://workaway.info/ and http:// wwoof.com.au/ - that cater for working travellers. You could choose to work on farms around the world in return for food and board for example. Becoming a digital nomad. If manual labour isn‘t your thing, you could pack your computer and hook up to one of the many digital work websites – such as http://digitalnomadsworld. com/, http://upwork.com/ or http:// fiverr.com/. Many countries now encourage this trend by offering digital nomad visas.

Then, with your costs under control, and a clear goal in mind, it‘s time for a savings plan. You will want to reduce your current living expenses as much as possible to maximise savings and think about setting up a direct debit to a high interest savings account. Check the https://moneysmart. gov.au/saving/savings-goals-calculator to see how much you will need to save every month. If you have more than a few years to plan your gap year, you could look into some longer term savings and investment options such as shares, exchangetraded funds (ETFs), or term deposits. While a gap year is exciting, planning ahead financially is essential to ensure you don’t fall into debt. You also need to carefully consider how this could affect your long-term financial goals. You probably won’t be making super contributions, so this may impact your super balance and retirement plans.

Keeping your self accountable

“At the end of the day, we are accountable to ourselves our success is a result of what we do.” - CATHERINE PULSIFER

It can be both empowering and a little uncomfortable to think that we are responsible for our successes – and failures.

Being willing to accept the consequences of our actions, choices or behaviours is not always easy. We’ve all at some time or another played the ‘blame game’. It’s so easy to look outward and blame others for our problems, hardships or the obstacles that are getting in the way of us achieving our goals and dreams. For example, it’s the company’s fault that I keep getting passed over for that promotion, my team at work is holding me back, my partner is not being supportive enough of me. The reality is there are always external forces at play that impact our lives and focussing on these external forces takes away our personal accountability. What does it mean to be accountable? Being personally accountable means taking responsibility for one’s own actions (or in some cases – lack of action!). It’s maintaining an ongoing commitment to yourself and what is important to you. Here are a few ways you can become more accountable: 1. Remove the roadblocks It all starts with your mindset. Choose to consciously embrace an accountable approach and recognise that you are the architect of your destiny. That means letting go of the excuses and recognising them for what they are - roadblocks that are holding you back from taking responsibility for your own actions. 2. Set goals It helps to know what you are trying to achieve – whether that be in your career, relationships or personal life. Take the time to set concrete goals, jot them down, and have a plan of how you will achieve them and in what timeframe. Start by setting yourself smaller goals as they will be easier to achieve in the beginning. Setting goals (even if they are small ones) and achieving them allows you to prove to yourself and others that you can and will hold yourself accountable. 3. Create your own opportunities Accountability empowers you to be in control of your actions in your personal life and career. You can create your own opportunities rather than passively allowing life to happen to you. Being accountable is about fulfilling your obligations to yourself as well as to others, so when you achieve what you’ve been aiming for, take time to recognise these milestones and celebrate them.

4. Take responsibility for your decisions Embrace the ‘good, the bad - and the ugly’ and accept the consequences of your actions, choices and behaviours, be they positive or negative. Revel in the positives, but don’t be afraid to admit and own up to your mistakes. One of the most powerful ways we learn is through making mistakes and taking responsibility for them. That means acknowledging that there is a problem, identifying your role in it and proposing a solution to minimise or eliminate the chances of it happening again. 5. Learn from your mistakes To reach your potential it’s necessary keep extending what you are capable of and taking risks and that means making mistakes. Don’t beat yourself up but think of what you would have done differently and what you’ve learned from the experience. 6. Ask for help The road to success does not have to be a lonely one. An accountability partner can be someone who shares your goals and supports you to keep your commitments or maintain progress on a desired goal. Having an accountability partner has been proven to increase your chances of success to an astonishing 95% if you have a specific accountability appointment with a person you’ve committed to.

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. DECEMBER 2023 | FIND GEELONG

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Super snapshot for 2023 - 2024

The Topic

The rule

The details

Concessional contributions cap

$27,500 per year

•

Carry forward unused concessional cap

From 2018-19, unused concessional cap can be carried forward for rolling 5 year period

•

Non-concessional contributions cap

$110,000 per year

•

• •

•

• •

ncludes all employer contributions and personal contributions where tax deduction claimed Excess taxed at marginal tax rate plus Medicare less 15% tax offset Excess not withdrawn from super counts towards nonconcessional cap Total super balance less than $500,000 on 30 June in year before using unused cap Access to unused cap automatically calculated by ATO if exceed cap in current year

Total super balance must be less than $1.9 million on 30 June in year before non-concessional contribution is made Excess amount plus 85% of associated earnings to be released from super (default position) and 100% associated earnings taxed at MTR plus Medicare If excess not withdrawn, taxed at highest MTR plus Medicare

Non-concessional contribution bring forward rule

$330,000 anytime over a 3 year period

•

Must be under 75 on 1 July in year of contribution Total Super Balance NCC Cap < $1.68m $330,000 $1.68m to $1.79m $220,000 $1.79m to $1.9m $110,000 > $1.9m $0

Work test

40 hours of gainful employment in 30 consecutive days

•

Required if 67 or older on day of personal contribution where a tax deduction to be claimed No longer required for all other contribution types Final day a personal contribution can be made is the 28th day of the month following month turned 75.

Work test exemption

Exempt from work test for financial year after last met test if eligibility criteria met

• •

Total super balance less than $300,000 on 30 June in year before using exemption Can only use once

Superannuation Guarantee

11% of ordinary time earnings

•

Maximum income where SG payable $62,270 per quarter ($249,080 pa)

• •

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The Topic

The rule

The details

Government Co-contribution

50c per $1 of non-concessional contributions made up to $500 maximum co-contribution

• • • • • • •

Where $1,000 contributed, co-cont equals: $500 where total income less than $42,016 $500 – [(total income - $42,016 x 0.333] up to income of $57,016 $0 where total income more than $57,016 Total super balance must be less than $1.9m 10% or more of total income from employment Under 71 and submitting tax return

Spouse contribution

Tax offset up to $540 for contributions to eligible spouse

•

Maximum $540 offset available if spouse income < $37,000 and contribution amount $3,000 + No tax offset where spouse income > $40,000 Spouse must be under 75

Super Splitting

The lesser of:

• • •

Splitting voluntary on super fund Only contributions from previous financial year can be split Unable to split if spouse 65 or has met retirement condition of release

•

Transfer balance account used to measure available cap with credit/debit system $1.9m cap if never started retirement income stream Amount of indexation available is determined by the unused cap percentage If 100% of your personal cap has been used in the past, no further indexation available.

Transfer Balance Cap

•

85% of concessional contributions, and

•

concessional cap (including carry forward of unused cap)

Maximum amount that can be used to commence retirement income streams

• •

• • •

Warren Strybosch Financial Adviser hosted by Ben Nash https://youtu.be/h_-Vx2Wyl9c

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including writing a ‘to do’ list so that you don’t wake with it during the night. Realistic Expectations It’s easy to get caught up in the pictureperfect holiday vision depicted in social media. However, it’s so important to remember what Christmas is about, so set realistic expectations for yourself and your celebrations, let others help even if they don’t quite do things the same way you might. Embrace imperfections and focus on the joy of spending time with loved ones. Practice Gratitude

A Calmer Christmas NATUROPATH By Kathryn Messenger

The lead-up to Christmas can be a whirlwind of activity, shopping, planning, and celebrations. While it’s an exciting time for kids, being the parent who is often reminded of the countdown and just how few days they have let to get through the never-ending list, can be overwhelming and stressful. Finding ways to stay calm and maintain a balanced lifestyle is crucial to enjoy both the traditions of this special time of year and your family. Here are some tips for remaining calm and healthy as you navigate the bustling days before Christmas. Prioritise Self-Care In the midst of shopping for gifts, decorating, and preparing meals, it’s easy to neglect self-care. However, taking time for yourself is essential for mental and physical health. Incorporate short breaks into your day to recharge and reduce stress. Even a few minutes of deep breathing or a brisk walk can make a significant difference, or catch up with a friend if you have a litle more time.

Mindful Eating Holiday feasts are a common part of Christmas, but overindulgence can lead to feelings of guilt and discomfort, and sometimes weight gain. Practice mindful eating by savoring your food, eating slowly, and paying attention to hunger and fullness cues. This can help you enjoy a treat without overdoing it. If you do have a massive dinner, skip breakfast and wait until you feel hungry before eating again.

Christmas is an excellent time to reflect on what you’re grateful for, and what you really value in your life. Regularly acknowledge the positive aspects of your life. Gratitude can boost your mental wellbeing and help you maintain a positive perspective, even when things get busy. In conclusion, finding balance and maintaining calm during the lead-up to Christmas is really important for your health and well-being. Prioritising selfcare, mindful eating, exercise, sleep, and realistic expectations will go a long way in reducing stress and helping you enjoy Christmas and the lead up to it. If you make choices that support your physical and mental health, it may mean a happier and healthier Christmas for your whole family.

At Whole Naturopathy we can treat a nervous system imbalance, reduce your stress, and help to increase your energy levels if you’re needing some extra support at this time of year

Stay Active Regular exercise is a powerful tool for managing stress. Even during this busy time, make time for physical activity. It can be as simple as a quick home workout, a walk in the evening, or dancing to your favourite music. Exercise not only relieves stress but also boosts mood and energy levels.

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.

Adequate Sleep Sleep is often sacrificed during the holidays due to late-night parties and additional responsibilities. However, quality sleep is vital for health and managing stress. Prioritise your sleep, aim for 7-9 hours of sleep, create a relaxing bedtime routine

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

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Tips for a meaningful Christmas

(Feedsy Exclusive)

Creating a Christmas filled with genuine warmth and joy often seems like a daunting task amidst the hustle of holiday preparations. The season of cheer can quickly turn into a flurry of stress, leaving many of us more relieved than regretful when it’s over. If you find yourself nodding along, it’s time to pause and rethink how to celebrate Christmas meaningfully with your family and friends.

of baking, where the whole family gets involved in making cookies to share with friends and neighbours. Volunteering as a family at a local shelter can also be a tradition that not only brings your family together but also extends love to those in need. These acts need not be grandiose; their repetition over the years will weave them into the warm fabric of your family’s Christmas.

Selective Festivity: The Art of Saying No

Gift-Giving: A Deliberate Gesture of Love

The first step to a fulfilling Christmas is to be discerning about which events to attend. Begin by planning your gatherings thoughtfully, considering the unavoidable holiday traffic and the dizzying crowds if shopping is on the agenda. Prioritise events that enrich the season’s meaning for you and your loved ones. Learning to say no is crucial—it allows you to say yes to experiences that truly matter. For instance, if attending a community carol service uplifts you more than an office party, choose the former. It’s these choices that will curate your holiday into a series of joyful memories rather than a checklist of obligations.

Rushing through gift-buying can lead to forgettable presents. Instead, take time to consider what would be meaningful to each recipient. Handmade gifts, though they may require more time and effort, can carry significant personal value. Alternatively, purchasing from charities or non-profit organisations can add a layer of purpose to your gift-giving. This thoughtful approach to presents is about quality over quantity, about showing love and appreciation in a way that resonates personally with each loved one.

New Traditions: Weaving the Fabric of Family

Christmas is the perfect backdrop for reaching out to those you’ve lost touch with. Whether it’s through a heartfelt letter, a long-overdue phone call, or a message, reconnecting with a distant relative or an old friend can rekindle important relationships. The season’s spirit of forgiveness and renewal makes it an ideal

Traditions serve as the backbone of family memories and can be delightfully Christmas tree together, swapping stories and dreams as you hang each ornament. Or perhaps institute a Christmas Eve tradition

Reconnections: Tying Up Loose Ends of Meaningful Relationships

time to mend fences and renew bonds that time or circumstance may have strained. Meaningful Movie Nights: More Than Just Entertainment Finally, consider making movie nights a special part of your Christmas tradition. Choose films with themes that resonate with the spirit of Christmas—generosity, love, and kindness. This shared activity can be both entertaining and inspiring, setting a tone for the holiday season. Let each family member take turns selecting a film each year, ensuring that everyone’s tastes are honoured and making it an eagerly awaited family event. In wrapping up, these five tips aim to transform your Christmas into an experience that’s rich with personal connection and joy. It’s about creating a season that’s not just bearable but memorable. As you implement these ideas, may you find your Christmas becoming a time where love is demonstrated, memories are made, and the holiday spirit is truly alive. Here’s to a happy and heartfelt Christmas! If this article has inspired you to think about your own unique situation and, more importantly, what you and your family are going through right now, please contact your advice professional. This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. DECEMBER 2023 | FIND GEELONG

GEELONG COUNCIL NEWS events

2023

services

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e r o m d n Job a

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A memorial celebrating the life and achievements of the late Frank Costa AO has been unveiled to his family, councillors, Cats representatives and community members on the corner of Ryrie and Moorabool Streets. Funded by the City of Greater Geelong, the Costa family, Rory Costelloe and the Geelong Cats, ‘The Newsboy’ sculpture recognises the many roles Frank Costa played in the community: a generous philanthropist, passionate Geelong Football Club president, well-known businessman and fierce advocate for our region. Accomplished Australian artist and sculptor Louis Laumen has spent six months in the studio and foundry carefully crafting the bronze statue through the process of Lost Wax Casting. Frank Costa is represented as a 13-yearold newsboy outside the T&G Building, where he sold newspapers and subcontracted other paperboys. The statue explores a number of unifying themes evident in his life: • •

• • •

the newspaper represents his ties to the Greater Geelong community the Herald front page about Geelong’s 1951 Grand Final victory over Essendon links to his lifelong dedication to the Cats and crucial role as President (1998-2010) when Frank’s business sense elevated and united the club the burden of papers in his arm pays homage to his strong and unwavering work ethic the money pouch represents his business acumen and appreciation of the value of a shilling and the newsboy stands on a fruitbox pedestal, alluding to the greengrocer trade and family business that started in 1888 and grew into the highly successful Costa Group.

The newspaper being held aloft in the sculpture details how more than 85,000 people watched the Cats claim its fourth premiership by 11 points amid police clashes with up to 8,000 people locked out of the MCG. The article text is fully legible. The celebrated sculptor has completed many commissions across Australia, such as the Dennis Lillee statue at the MCG and Nicky Winmar at Optus Stadium. The artist was carefully chosen through an invited Expression of Interest to a select number of Australia’s leading bronze sculptors working in the figurative form.

Permanent recognition for Frank Costa AO Artist Louis Laumen, Mayor Trent Sullivan, Frank’s wife Shirley Costa and Cats champion Joel Selwood.

Rory Costelloe (Geelong Authority member) approached Council with the idea to create a permanent memorial to Frank Costa.

The cost to fabricate and install the memorial was $100,000.

Mayor Trent Sullivan Council is thrilled with how this permanent tribute to such an iconic Geelong figure turned out. Frank’s passing two years ago remains a massive loss to our community because of his incredible advocacy and contributions to make our region the best it can be. He is known as a legend in these parts and it’s only fitting that we celebrate his values and achievements through a bronze statue. We are very grateful to sculptor Louis Laumen for his commitment to this important project and his skilled eye for detail. The statue not only illustrates the many facets of Frank’s life, but symbolises a youthful sense of adventure, entrepreneurism, and the promise of a bright future that the community can relate to. Gillian Costa - Franks’ daughter I’ve worked on the project from Rory Costelloe’s initial concept and am honoured and humbled to be involved with such a significant piece of both family and Geelong history. The T&G corner is where Dad began his entrepreneurial journey, so this statue is not only a lovely way to remember him and the big part he played in Geelong as an employer, visionary and champion of growth, it also illustrates a moment of Geelong’s past in such a lovely way that residents and visitors alike can relate to and enjoy.

Read more from Louis Lauren and Joel Selwood

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City appoints Executive Leadership Team Anthony Basford – Executive Director City Life Start date: to be determined Anthony Basford has more than 25 years’ experience in local government across rural and regional, interface and metropolitan Councils in Victoria and NSW. He was most recently CEO at East Gippsland Shire Council for five years. Previous roles include Director Community, Environment & Planning at Bega Valley Shire Council (NSW) and General Manager Organisational Development & Governance at Kingston City Council. He has also worked in the not-for-profit and education sectors.

Clockwise from top-left: Tennille Bradley, James Stirton, Anthony Basford, Troy Edwards.. The City of Greater Geelong has appointed four highly credentialed Executive Directors to lead its four new directorates under CEO Ali Wastie.

James Stirton joins the City from Bass Coast Shire Council, where he has been General Manager Place Making since 2019.

The four appointees, who alongside Ms Wastie will form a strong and united Executive Leadership Team, each bring extensive local government experience, leadership and expertise in their respective fields.

He has partnered with all levels of government, the private sector and with tertiary institutions, delivering awardwinning community infrastructure and urban regeneration.

They are as follows: Tennille Bradley – Executive Director Placemaking Start date: existing employee Tennille Bradley is currently Acting Executive Director Customer, Community & Economy, having joined the City of Greater Geelong in July 2022 as Manager Economy, Place & Events. Tennille has over 15 years’ experience in Local Government in a range of areas including community health & safety, social planning, community development, economic development, tourism, advocacy, placemaking, arts & culture, and major events. She has a Bachelor of Social Science, Masters in Business Administration (MBA) and is an accredited IAP2 Practitioner. James Stirton – Executive Director City Infrastructure Start date: 22 January 2024

He holds a Master of Public Administration, Graduate Certificate in Urban Design and a Bachelor of Landscape Architecture and has undertaken a range of leadership development programs, most recently at Harvard University. Troy Edwards – Executive Director Corporate Services Start date: 22 January 2024 Troy Edwards joins the City from the Municipal Association of Victoria (MAV), where he was the Executive Director, Policy & Advocacy. Troy has held several positions in the Commonwealth public service, as a policy adviser in the Federal Parliament and as the managing director of one of Australia’s leading independent public relations consultancies. Prior to joining the MAV, he was Director of Corporate Services for Yarra Ranges Council. An urban planner by education, Troy has completed a Master of Arts degree at Monash University and is a graduate member of the Australian Institute of Company Directors.

Anthony has a Masters in Social Science (Policy and Human Services) and a Bachelor of Education (Secondary). In 2022 he was awarded the National Emergency Medal for his work in supporting the Black Summer Fire response. The City will move to its new directorate structure – featuring a reduction in the number of directorates from five to four – from 15 January 2024.

CEO Ali Wastie: “The recruitment process was highly competitive, with the outstanding range of candidates for each position demonstrating the appeal of Geelong as a place to live and work. One of my first priorities as CEO was to establish a strong, united executive team ready to deliver for our community and employees. We’ve searched for the best people to invigorate our culture and meet our promise of being a high performing organisation, and we are delighted to have secured four experienced leaders of such a high calibre. Tennille, James, Anthony and Troy all bring a tremendous amount of knowledge and passion to their respective areas, and I think our community can look forward with excitement to the results they’ll help the City deliver.”

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Outgoing executive directors Robyn Stevens and Gareth Smith will finish with the City this week, while David Greaves will continue as Acting Executive Director City Infrastructure until the structure changes come into effect, before returning to his position as Manager City Works.

Ali Wastie: “Robyn and Gareth have both given their all to their staff and the community during their time with the City and can be proud of what they’ve achieved. We sincerely thank them for their efforts and wish them well for the next chapter in their careers.”

Recruitment of the Executive Director positions was led by recruiting firm AMROP Carmichael Fisher.

Change of bin collection for Christmas and New Years Day

Residents who have a Monday bin collection should note that there will be no collection on Christmas Day and New Year’s Day. Instead, bins will be collected two days earlier on Saturday. Please put your bins out on Friday evening for the Saturday collection.

Instead of:

Bins will be collected on:

Monday 25 December 2023

Saturday 23 December 2023

Monday 1 January 2024

Saturday 30 December 2023

Christmas Day and News Years Day are the only two public holidays every year that have a collection change, for drivers to enjoy a much-deserved rest. On all other public holidays, bin services operate as usual.

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City unveils Rainbow Crossing Deputy Mayor Anthony Aitken addresses the gathering at the unveiling of the Rainbow Crossing in Yarra St

The City of Greater Geelong has unveiled a permanent rainbow pedestrian crossing on Yarra Street, under the Westfield flyover, as a symbol of pride in the diversity of the region and a celebration of the LGBTQIA+ community. The rainbow flag (also known as the Pride flag) is a symbol of lesbian, gay, bisexual, transgender, queer, intersex and asexual (LGBTQIA+) pride and social movements. The rainbow design chosen for the crossing is based on Valentino Vecchietti’s progress pride flag design, the most current and inclusive rainbow flag to date. The flag has integrated, alongside the traditional rainbow colors, the transgender flag, intersex flag and the brown and black lines to represent all people of colour, including First Nations Australians. The need for a rainbow crossing in Geelong has been expressed by the community consistently over the last four years. Planning was initiated which included the installation of a non-permanent mini crossing in Little Malop Street, at the launch of Geelong Rainbow Festival 2020. However, the planning for the permanent crossing stalled until 2022 due to the COVID 19 Pandemic.

Deputy Mayor Anthony Aitken “The installation signifies the City’s commitment to the region’s diverse rainbow community. The rainbow crossing forms a vibrant and colourful representation of the City’s support for the local rainbow community. The installation of a permanent rainbow crossing is a part of the broader City strategy to be an inclusive local government.” Amanda Glasson - LGBTQIA+ Advisory Committee and Liberty Disability Services Director “It’s great to see City of Greater Geelong visually representing our PRIDE community, showing that we are all welcome here, taking a hardline stance on LGBTQIASB+ discrimination and moving towards being an inclusive city. The rainbow crossing means a lot to so many within our local community.” Jen Walsh - LGBTQIA+ Advisory Committee member “The region’s LGBTQIA+ community is grateful for the City’s investment in the rainbow crossing. It is a powerful symbol of hope for all LGBTIQA+ people and their loved ones across the region. The colours represented by the Progress Flag indicate that all City of Greater Geelong residents have the right to live as our authentic selves, and that our LGBTIQA+ identities deserve to be celebrated. At a time when a lot of LGBTIQA+ people are doing it tough, this rainbow crossing is a strong sign of solidarity and strength.”

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People with Disability Awards announced The City of Greater Geelong has marked International Day of People with Disability by naming its winners of the annual Awards for People with Disability. With the awards in their eighth year, 2023 is the fourth year in which the City has partnered with genU to present the initiative, alongside support from the Barwon Disability Resource Council. Geelong Library and Heritage Centre played host to the awards, with the winners of three categories acknowledged: 1.

Achievement Award - recognising someone who has achieved a significant milestone or success in any area. Shannon Bowman received the Achievement Award for his work as a skilled and passionate entrepreneur in the field of psychotherapy and counselling. Shannon not only utilises innovative approaches to the treatment of mental health, but also to business management. As someone who has lived with disabilities since birth, Shannon has been forced to be resilient, resourceful, and creative from a young age. Determined to defy perceived limitations, he has harnessed his fostered skills to exceed expectations and build a thriving business which supports his community’s residents. Leadership and Advocacy Award - acknowledging an outstanding individual who has led or advocated for others to achieve a considerable outcome or advancement. A proud Autistic/ADHD advocate, researcher, and NDIS professional Paige Humm was the recipient of the Leadership and Advocacy Award. Paige works as a sole-trader, providing support to people with a disability that models a neuroaffirming, person-centred and rights-based approach to others within the field. As a PhD candidate, Paige looks forward to contributing to disability research in the future. She has a goal to write a book that shares her lived experience and professional knowledge to empower others like her. Volunteering Award - celebrating a volunteer whose work fosters an inclusive culture, promotes access and inclusion, or enhances opportunities for people with disability.

Tim Harte was acknowledged with the Volunteering Award. Tim strongly supports the human rights-based model of disability and advocates for equitable access to services and meaningful participation and inclusion of people with disabilities in society. His lived experience as a 26-year-old NDIS participant and rural young person drives his commitment to empower the voice and agency of people with

disabilities. Tim is a graduate of the Australian Institute of Company Directors, has tertiary qualifications in performing arts and science and a background in disability, environmental justice activism. The awards help to promote ‘An inclusive, diverse, healthy and socially connected community’, which is an aspiration from the City’s our community’s 30-year clever and creative vision.

Mayor Trent Sullivan “The City is proud to partner with genU in recognising three deserving recipients who are making a significant difference in the Greater Geelong community. The awards program is an important part of the City’s work in building an accessible and inclusive community for all while celebrating the achievements of those with disability. We’re fortunate to have members of our community who are doing outstanding work in advocacy, leadership, employment, and empowering others. These awards recognise residents leading in their chosen fields, advocating for equal treatment and access for those with disability supporting those around them.”

Deputy Mayor Anthony Aitken - Chair of the Access and Inclusion Advisory Committee “I congratulate the three winners and thank all 17 finalists who were a part of the 2023 Awards for People with Disability. These awards are important for the community as it shows those with a disability that their work can be recognised and validated. The Geelong Awards for People with Disability are essential to highlighting the great work accomplished by people with disability, as leaders and role models for others in the community. The awards present a great opportunity to shine the spotlight on the work being done by individuals to improve the opportunities for themselves and other community members.”

Clare Amies - genU Chief Executive Officer “The awards have strengthened the region’s status as a leader in the sector by shining a spotlight on the incredible contributions of local people with a disability. All of the 2023 nominees should be extremely proud. The Geelong Awards for People with a Disability is a great opportunity to celebrate people’s outstanding work and contribution to building Geelong’s reputation for leadership, innovation and best practice in disability services.”

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Mayor invites MATILDAS to play in Geelong The following is an open letter to The Matildas from Greater Geelong Mayor Trent Sullivan.

Mayor Trent Sullivan “Dear Matildas, Geelong has opened our hearts to you and now we invite you to enjoy our hospitality. With a new stand, our GMHBA Stadium will look magnificent full of 40,000 soccer fans cheering you on for your next Olympic qualifier versus Uzbekistan on February 28. We are a famously proud and passionate sport-loving community with thriving girls’ and women’s competitions. Your recent World Cup and Olympic qualifying games have inspired a new generation to embrace soccer. Now we want to welcome and thank our heroes in person. Geelong is ready to cheer you on Matildas. We look forward to seeing you. Councillor Trent Sullivan City of Greater Geelong Mayor”

Mayor

Trent Sullivan

Geelong’s City Hall lights up green and gold in support of The Matildas during the 2023 World Cup.

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take your rubbish with you

surrounding land and water, or spread about by wildlife. When this happens, what was heaped rubbish becomes litter. This sounds bad, but it gets worse. The same way the more rubbish is heaped around a bin, the more people will heap rubbish around it, the more litter spread across an area, the more likely people feel it is okay to litter. If you take your rubbish with you, others are likely to copy The good news is, the cleaner an area, the more pressure people feel to keep it clean. If they notice others taking part in a new rubbish related behaviour, taking it with them, they are likely to be more open to doing the same themselves. Simply seeing others approach the bin, but decide not to use it and instead take their rubbish with them, means they are likely to do the same. Okay, you’ve convinced me – but where should I take my rubbish instead?

This year you might notice signs around Geelong asking ‘If you can, take your rubbish with you’. This request is for everyone, tourists and residents. And here’s why. Geelong is beautiful We all know Greater Geelong is a beautiful place to live, which is why our home receives more than six million visitors per year. It is up to everyone, whether they live here permanently or are only here for the day, to keep it that way . Last year popular areas such as Eastern Beach received more than 10,000 visitors per day during the peak period. We are doing our best to help everyone do the right thing and dispose of their rubbish correctly by putting additional bins, skips, and daily rubbish collections in place, but due to the sheer volume of people and the rubbish they generate, it can be difficult to keep up. This is why we are asking everyone, no matter where they live: ‘If you can, take your rubbish with you’ even if the bin is not full.

Why should I take my rubbish with me? There are a two main reasons: 1. To prevent bins filling up Not everyone will be able to take their rubbish with them. If you can though, and choose to do so, it leaves more room in the bin for those that are unable. This is important, and leads into the second reason. To stop rubbish being stacked on and around bins When bins are full, people begin to stack their rubbish on top of them, or at their base. Once this starts, more and more people notice, do the same, and the heap gets bigger, making it more noticeable, leading to more people heaping more rubbish, and so on. This is an example of people trying to do the right behaviour – put rubbish in the bin – but as they are unable, copying their peers in what they see as the next best thing. Most people who do this don’t think of themselves as litterers.

What you do with your rubbish instead will depend on your particular circumstances, but here are a few suggestions to get you started: •

If you bought food or drink from a café or take away you could return the packaging to the business

•

Take your rubbish back to your house or holiday accommodation and put it in the bin there.

•

Remember, if your recycling bin is filling up you can take excess recycling to the Geelong or Drysdale Resource Recovery Centres.

•

Eligible drink containers can be returned to CDS points.

Stacked rubbish turns into litter

Remember, every little bit helps Even if you can’t take every single bit of rubbish with you, every little bit helps. You might scrunch up a greasy food wrapper and put it in the nearest bin, but then take your empty drink container you have to your nearest CDSpoint. You have still helped save space in the bins in the area you visited.

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Revitalising the heart of Geelong A bold vision to transform the Market Square Quarter at the heart of central Geelong proposes a pedestrian ‘EatStreet’, an outdoor market and two new plazas designed in collaboration with Wadawurrung Traditional Owners. Council has endorsed the draft Market Square Quarter Masterplan for community consultation. It seeks to guide development and progressively reinvigorate the city block bound by Malop, Yarra, Ryrie and Moorabool streets. The preferred ‘Malop Heart’ option proposes turning the Market Square Quarter into the thriving heart of Geelong, with Little Malop Street Central • reinvigorated as a welcoming, accessible, vibrant, safe and inclusive meeting place • that celebrates Wadawurrung Country. • This option would feature: •

• • • •

A north-south pedestrian ‘Eat Street’ with outdoor dining, creating an important extension of Union Street through the site; A new plaza on Malop Street that benefits from northern light; An adaptable central open space to support outdoor events and markets; 5-12 storey development above parking, with the potential to include a fresh food (super) market; and Conversion of Union Street to slow traffic speeds with more greenery planted.

This option strongly aligns with the vision and objectives of the Central Geelong Framework, is the most commercially attractive and delivers best practice urban design and built form outcomes. The draft master plan was shaped by extensive consultation earlier this year through online and in person conversations with residents, visitors, landowners and occupiers, the Wadawurrung Traditional Owners Aboriginal Cooperation and the Department of Transport and Planning. Our Have Your Say page consisted of multiple comment boards for the community to provide their suggestions and feedback, receiving nearly 8,500 views from 3,341 visitors. The top 5 opportunities identified by the community were: •

Introduction of more dining opportunities;

More public art, live music and events; More diverse shopping opportunities; and Creating an externalised shopping experience or high street.

• •

•

They also identified existing issues: •

Perceptions of lack of safety including anti-social behaviour or needing police presence;

•

Concerns around bus stops; Concerns around public realm being uninviting, tired and neglected, untidy, lacking atmosphere; Concerns around poor access and parking for private vehicles within and around the precinct; and Concerns around accessibility and poor pedestrian connections.

Mayor Trent Sullivan “The Market Square Quarter location is of strategic importance to the whole of Geelong. This city block is a prime destination for both locals and visitors looking to shop, dine and experience the best of what the region has to offer. Redevelopment of the site would provide in demand housing, hotel, retail and office space as well as public gathering spaces that serve as a daily meeting point or location for major events and cultural celebrations. We want to create strong connections, celebrate the site’s significance to Wadawurrung people and work with existing heritage elements to reinvigorate central Geelong. Help us collectively achieve the best outcomes for this area, the community and our economy by looking through the masterplan and having your say.” Councillor Peter Murrihy: “The feedback from this round of consultation will inform the final masterplan, before going to Council for endorsement in 2024. The final vision will require partnerships between landowners, developers, local and state government, Wadawurrung Traditional Owners and the broader Geelong community to be fully realised. This draft master plan supports Council’s efforts to revitalise central Geelong through grants, Geelong Major Events, our free Business Concierge service and other masterplans such as the Draft Mercer and Gheringhap Streetscape Masterplan.” Consultation through an online survey and in-person sessions are underway: visit the have your say page before Sunday 11 February.

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Cat vaccine shortage impacts Council services The City of Greater Geelong has made changes to its cat trapping services as the result of a nationwide cat vaccine shortage, due to production issues. Effective immediately, and for the foreseeable future, the City of Greater Geelong will not be offering or performing cat trapping within the municipality. This is to reduce the number of cats needing to be taken to shelters, particularly the City’s pound service operator, Geelong Animal Welfare Society (GAWS), who are currently experiencing critical supply shortages. While the situation will be actively monitored, and cat trapping services will resume as soon as possible, the situation is unlikely to change until February next year at the earliest. In an effort to manage capacity at GAWS, a number of other actions will also be implemented to slow or cease admissions: •

•

The surrender of cats will be discouraged until the supply of vaccination stock has recovered. Food and bedding support will be provided where possible. Whilst the vaccine shortage is impacting shelters, free Council registration will be offered for newly adopted cats currently in GAWS, for the remainder of the current period and through to April 2025.

•

There will be an extension of the current subsidised cat desexing program offered by the City at GAWS to minimise litters in coming months. The concession requirement will be removed, and program dates extended until funding allocation is exhausted.

The City is continuing to work closely with GAWS to monitor and respond to the

situation as it unfolds and remains committed to supporting animal welfare. Adopting a cat, keeping your cat indoors, ensuring your cat is wearing Council registration tag when outdoors, desexing your cat, or making a donation to a local animal shelter or rescue group are some ways residents may consider helping during this critical time.

Mayor Trent Sullivan “The vaccination shortage is a significant issue that is being experienced on a national scale. The health and wellbeing of cats in care is of utmost importance and the City is doing its part to support the community based on the advice provided by our shelter partners at Geelong Animal Welfare Society. While we’ve been told the situation is temporary, there is currently no confirmation of when vaccines supply will increase and so we encourage the community to do their bit to help.”

Alistair Miller - Acting Executive Director Community Service Delivery “As difficult as the situation is, there are a variety of ways in which the community can help reduce the pressure on the system. All cat owners have a role to play by keeping cats safely inside their homes, so as to minimise the risk of contracting or transmitting disease in the community. Along with considering making a donation to GAWS, the community can play it’s part by desexing their cat and considering cat adoption to reduce the load on the shelter system.”

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Marshalltown Road/Bailey Street closure

Mayor Trent Sullivan, Principal Tina Barnett, School Captain Isabelle Petsas, School Captain Amaya Lesko, Libby Coker MP Federal Member for Corangamite, Assistant Principal Graham Byworth.

The Marshalltown Road/Bailey Street intersection (roundabout) is set to undergo improvements as part of the 2023-2024 BlackSpot Safety program resulting in full road closures from the 3 January until 25 January 2024. This project is aimed at enhancing road safety and increasing pedestrian security, with a focus on attenuating approach speeds and providing improved accessibility. The key aspects of the project include: •

•

Installation of wombat crossings: wombat crossings will be installed on all approaches to the intersection, enhancing pedestrian safety and making it easier for residents to navigate the area. Roundabout upgrades: the roundabout at Marshalltown Road/ Bailey Street will be upgraded, along with drainage, splitter islands, kerb ramps, and the provision of new footpaths. This comprehensive redesign will ensure the entire outer perimeter of the intersection is properly linked, providing accessibility at each quadrant. Street light upgrade: an expert review and analysis have led to the implementation of a street light upgrade, improving visibility and safety for all road users. Awareness initiatives: the project also aims to increase awareness of vulnerable road users at the roundabout intersection, fostering a safer and more considerate environment.

The extensive list of improvements includes new footpaths, roundabouts, kerb and channel enhancements, street lighting upgrades, and drainage improvements. Additionally, all new footpath pram ramps/laybacks, asphalt wombat crossings, asphalt overlays on all approaches to the roundabout, and new signage and line-marking with further delineation upgrades featuring Raised Reflective Pavement Markers (RRPM’s) are part of the project. While these enhancements will significantly improve road safety and accessibility in Grovedale, the closure of Marshalltown Rd and Bailey St will be necessary during the construction period. Local residents and commuters are encouraged to plan alternate routes and expect delays. Please follow detour signs and roadwork advisories to ensure a safe and efficient commute.

The Marshalltown Road/Bailey Street intersection in Grovedale is one of the priority areas selected for improvement in the 2023-2024 program.

Ms Libby Coker - Federal Member for Corangamite “Located just nearby a primary school, childcare center and a busy shopping area, this federally funded upgrade of the Marshalltown Road and Bailey Street intersection will go a long way to improving safety for residents in the fast-growing area of Grovedale. I’d like to once again thank everyone in the Grovedale community who advocated for this much-needed upgrade, and also emphasise that the safety of construction workers and local residents must be a top priority as works get underway in January next year.”

This project represents a substantial investment in the safety and infrastructure of the Grovedale community. The Marshalltown Road/Bailey Street intersection is set to become a model for road safety, accessibility, and community enhancement.

Mayor Trent Sullivan

For more information and updates, visit our Marshalltown Road/Bailey Street closure and construction project page.

We are prioritising the safety of our residents, construction staff, and all road users while enhancing the overall experience of our town.

About the BlackSpot Safety Program The BlackSpot Safety Program is an initiative aimed at reducing the number and severity of crashes on Australian roads. It focuses on improving road safety through the identification and rectification of high-risk crash locations.

We acknowledge that there will be disruptions, the City sincerely appreciates the patience and understanding of our residents and road users as we carry out these essential roadworks.”

“The Marshalltown Road/Bailey Street project is a testament to our commitment to making Grovedale a safer and more accessible community for everyone.

DECEMBER 2023 | FIND GEELONG 35

www.findgeelong.com.au

Roundabout upgrade - Marshalltown Road and Bailey Street Grovedale

Residents and businesses who may be impacted by the works will be notified of the start date closer to commencement. Weekend work will only be required if weekdays are lost to inclement weather or unforeseeable circumstances. Traffic impacts For the safety of drivers and our staff, the road will be closed during the proposed timeframes as mentioned above. Appropriate traffic detours will be put in place to help manage traffic flow. Residents and Business’s in these work zones will have vehicle access to their properties. We will endeavour to minimise the disruption while the works are being undertaken.

We’re upgrading this roundabout as part of the Federal Black Spot Programt to improve our road network. Roadworks will commence on Wednesday 3 January 2024. The project is funded by the Australian Government’s Black Spot Program and will include: • • • • • •

new roundabout raised pavement at pedestrian crossings new school crossing new footpath that links together, concrete kerb, drainage and signage reflective pavement markers and line marking upgrades street lighting upgrades.

This program supports local government through construction of our local road network which facilitates greater accessibility and improves safety for our entire community.

Work times The works are being carried out by our Construction Unit. Works will commence from Wednesday 3 January 2024 and run through to April 2024. During school holidays, there will be a full road closure from 3 January to 25 January 2024, therefore the road will be fully closed for all vehicles during this period. This full road closure is essential and will provide increased safety to contractors working on the site and allow underground drainage and road works to be undertaken. From late January through to the end of works in April, there will be continued daily partial road closures to allow the contractor to meet the construction program completion date. For this remaining project upgrade period, the site will be under traffic management from Monday to Friday from 7:00am until 4:00pm.

Emergency Services We have notified local emergency service providers about the works. Traffic control staff will be on site to allow access for emergency vehicles if required during working hours. Rubbish Collection Waste collection will be collected as per usual; residents are asked to place bins as normal. Our staff will be able to assist in placing bins for easy access for trucks. Need to know more... If you have any queries, please contact the Engineering Services team on 03 5272 5272 or email infrastructureplanning@ geelongcity.vic.gov.au. Thank you for your patience while we undertake these essential works. We apologise for the inconvenience, and we are here to help.

More News & Updates

Community encouraged to think local first when spending

Mercer, Gheringhap and Bayley streets rethink

Waurn Ponds Hosts Neighbourhood Conversation DECEMBER 2023 | FIND GEELONG

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

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

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

Date of effect

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

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

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

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

Passed

general small business pools.

Royal Assent Date of effect

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

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

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

Consultation period Released

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

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

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

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

Royal Assent Date of effect

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

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

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

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

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

Announcement(3-Oct-2023)

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

Consultation period

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

Released

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

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

Announcement(17-Nov-2022)

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

Consultation(17-Nov-2022)

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

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

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

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

Announcement(11-May-2022)

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

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

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

DECEMBER 2023

Geelong

are you a not-for-profit in or around geelong area?

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

Advertise your event for FREE on the following pages

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT OF THE MONTH 5 WAYS TO RELEASE YOUR INNER ELF THIS CHRISTMAS! If you are looking for a meaningful way for your business, community group or family to support locals-in-need this festive season, check out Elf Squad Inc., and the ‘Elf Squad Elf Factory’. Now in its seventh year, Elf Squad Inc. is the little, Geelong-based charity that makes a BIG difference to hundreds of local children and teens-in-need each Christmas.

Elf Squad Inc.’s network of volunteer elves now collects more physical toy donations than any other Christmas charity in the Greater Geelong region. And they unite more business and community volunteers at Christmas than any other local notfor-profit. Elf Squad Inc. Founder, Stephanie Beitzel, explains,

“Geelong region locals support Elf Squad Inc. because they know we don’t have ANY paid employees, offices, big ad campaigns or overheads. They love knowing EVERY toy and tax-deductible donation will ONLY be used to help families across our region who are seriously struggling. And the fact that we provide unique experiences for business, community and family groups to get involved and give back is the almond on the Christmas cake!” As the Christmas season is now in full swing, community need is at an all-time high. It’s not too late for you to get involved in Elf Squad Inc. and support local families-in-need. Here are 5 easy ways to make a difference: 1. Book a shift – or group event - in the Elf Squad Elf Factory Each December, Elf Squad Inc. runs its iconic ‘Elf Squad Elf Factory’, where hundreds of elves - young and old – book in for a 4-hour shifts to sort toys, print paper, stencil Elf Sacks, make cards and wrap thousands of presents, as they listen to Christmas classics, enjoy festive treats and make magical memories. Business and community groups also love booking a shift for their people, to celebrate end of year, combined with a lovely lunch or evening drinks event.

The 2023 ‘Elf Squad Elf Factory’ is at Vines Road Community Centre, Hamlyn Heights, and is open most days and nights, from 10 am to 9 pm, from Tuesday 12 December til Christmas Eve. This truly unique and heart-warming experience is $15 per adult, $10 concession, $5 per child or $30 per family of up to 5. Group Bookings for 10 or more people are also available for $15 pp, or from $30 pp with a catered lunch or evening drinks event. Bookings are essential, with all proceeds going to Elf Squad Inc. At the time of writing, there were still individual shifts and a few group bookings available. Check the Elf Squad Facebook Page, or website, for latest availability and to book.

2. Donate NEW Toys &amp; Gifts Elf Squad Inc. welcomes donations of NEW and UNWRAPPED gifts for ages 0 to 21. Art supplies, stationery, sports gear, games and Bluetooth speakers or headphones are always in high demand, as are gift cards, toiletries and stationery sets for older kids. There are 30 collection points across the Greater Geelong region, that are receiving items right up to Christmas. We’re also able to receive donations direct to the ‘Elf Squad Elf Factory’ from 12 December to 22 December. This year, for the first time, we’re also accepting donations until 5 January, 2024, so that our supporters can take advantage of the Boxing Day and New Year’s Sales and help us stock up for next Christmas. Where possible, donations from K-Mart, Target or Myer are preferable. These stores happily accept returns for store credit. This is vital for us, as we always receive huge volumes of gifts for toddlers and little kids, and very little for teens and older children. We rely heavily on the easy exchange policy with these larger stores to provide suitable gifts for all ages and interests.

3. Donate Cash If you would rather leave the shopping to the elves, please use the options below to make a tax-deductible donation. Elf Squad Inc. is a fully registered Australian charity, with deductible gift recipient status, and all donations above $2 are fully tax-deductible. 100% of cash donations are used to support local families-in-need. • • •

PayPal - accounts@elfsquad.com.au PayPal Giving on Facebook: www.facebook.com/elfsquad Direct bank transfer: Elf Squad Inc. BSB 633 000 / A/C: 163 458 607

To request a tax receipt, simply email accounts@elfsquad. com.au and a receipt will be emailed to you by 31/1/24, or at the end of the month following the date you make your donation.

2022 Collection Points: GEELONG CBD Salon7 Hair & Beauty Westfield Geelong, Shop 2266, 1st Floor - near Big W; Cafe Savvy in the old ‘Thomas The Jeweller‘ building, cnr Malop &amp; Moorabool, Geelong; GEELONG - WEST SIDE Vines Road Community Centre 37-61 Vines Rd, Hamlyn Heights; Mint by Michelle 403 Pakington St, Newtown - at the river end near Rutland St; GEELONG - NORTH SIDE Corio Village SC: Office of Ella George, State Member for Lara Level 1, up escalators next to Kmart; Popcultcha Collector Gallery Federal Mills, North Geelong; Perry Demolition 23/26 Success Court, Corio; The Aviary Cafe 45 Robin Ave, Norlane; GEELONG - EAST SIDE & THE BELLARINE hayeswickle East Geelong; Salon7 Hair & Beauty Gateway Plaza Leopold opp Aldi; Bendigo Bank Community Bank Barwon Heads & Portarlington; Staple Eatery & Deli 12 Brown St Portarlington; La Monique Perfumery & Candlery 2/67 Point Lonsdale Rd, Point Lonsdale; Book Grove 1/73 The Terrace, Ocean Grove; GEELONG - SOUTH SIDE Team Maclean Fitness 23 Waurnvale Dr, Belmont; Eye Gallery 89 Barrabool Rd, Highton; hayeswickle Highton; Salon7 Hair & Beauty Armstrong Creek SC; Office of Darren Cheeseman, State Member for South Barwon t06/458 - 498 Torquay Rd, Armstrong Creek; hayeswinckle Armstrong Creek; SURF COAST & THE OTWAYS Bendigo Bank Community Bank Anglesea, Lorne &amp; Winchelsea.

4. Donate Goods and Services As a tiny charity, Elf Squad Inc. relies heavily on in-kind sponsors and donors of goods, services and raffle prizes. These items support our fund-raising efforts, and help keep our operation going. In 2023 – 2024, we are particularly in needs of the following things: • • • • • • • •

Photographer / Videographer Printing / Photocopying Graphic Design Rental / donated vehicles Transport and Removals Storage Catering Raffle and Door Prizes for all ages

If you can help out, please get in touch. 5. Join the Elf Squad Committee Lots of rewarding roles are still available for this year, and for 2024. If you would like to help the team organise toy collections, set up or run the Elf Squad Elf Factory, do marketing and PR or anything else, do contact Elf Squad Inc.! Stay in the Elf Loop! LIKE the Elf Squad Facebook Page www.facebook.com/elfsquad Visit www.elfsquad.com.au Email: hello.elf@elfsquad.com.au THANK YOU FOR ELFing YOUR COMMUNITY!

decemBER 2023

42 FIND GEELONG | DECEMBER 2023

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DECEMBER 2023 | FIND GEELONG 43

Creating a positive environment in your professional and personal life starts with a laugh. Seriously, laughter matters! Laughter helps you de-stress and build resilience. It helps with workplace wellbeing, team building and productivity, and definitely enhances customer service. Laughter sessions in a group or one to one can help you manage your mental health, physical pain and stress levels by engaging in a safe aerobic exercise workout that anyone can do anytime, anywhere and in everyday clothes. Laughter gives you an increase in oxygen levels and blood flow, and once you are experienced it can be practised alone and help improve your mood. Laughter Club Geelong meets every Saturday at Eastern Beach Geelong in front of the swimming enclosure starting at 9:00am for half an hour. The community club has been running for 22 years and regular laughers will be there over the summer holidays to warmly welcome people wanting to discover the benefits of laughter.

DECEMBER 2023 | FIND GEELONG

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KIDS ENTERTAINMENT, MARKET STALLS, FOOD TRUCKS FROM 4PM. CONCERT FROM 7PM WITH A VERY SPECIAL GUEST!!

FREE community EVENT to help

THURSDAY 21 DECEMBER OVAL 2 – LARA SPORTING CLUB

DECEMBER 2023 | FIND GEELONG 45

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6 ways thieves can tell when you’ve gone away If you’re heading off on a much-needed holiday, be careful you don’t advertise to a clever thief that you’re away. Here are the key signs thieves look for which signal you’re away and some simple steps you can take to outsmart them.

1. You’ve told everyone on social media you’re going away. We understand. Everyone gets excited about going on holidays. But don’t feel you have to let everyone know where you are and what you’re doing all the time. That innocent insta story, Tik Tok video or Facebook post, might just let a thief know that you’re away from home. And if you haven’t tightened up your security settings, or aren’t super careful about what you post where, often it won’t take much for them to find out where you live. Tip: You never know who’s seeing your social updates. So, make sure you strengthen the security settings on your posts and limit the info you share. If you really want to share your holiday adventures with your family and friends, wait until you’re safely back home. 2. Your house is totally dark when it shouldn’t be. A home with no lights on in the evening, is like a bat signal telling people your house is empty. And if there’s not even any light coming from a TV or computer screen, it’s a pretty sure bet for a thief that you’re not home. Tip: Most people have a nightly routine so try to find a way to continue that to some degree when you’re away. Use timers on lights and TVs so that they turn on when it gets darker and off around bedtime. Install motion sensor lights outside above the front entry, driveway and garage and invest in some solar lights in your yard that come on when it gets dark. 3. Your mailbox is overflowing. This one’s a no-brainer. If you’re mailbox is overflowing with junk mail or unopened letters and bills, or there are newspapers piling up on your front lawn, it’s a sure sign you’re away. Tip: Arrange with Australia Post to have your mail held at the post office or redirected to someone you trust, and put a “no junk mail” sign on your mailbox, even just for the days you’re away. Or ask a trusted neighbour to empty your mailbox for you every day.

Tip: If you have a garage, get into the habit of parking your car in it and keeping it locked. If you don’t have a garage, asking a trusted neighbour to occasionally park in your driveway or in front of your house while you’re away, may thwart of potential thief. 6. Your household is too quiet. Whether it’s a lawnmower, a TV, a radio, excited kids, noisy pets, video games, music, power tools or visitors, there’s usually some sort of noise coming from most households at certain times of the day. So, if your house suddenly falls silent for a few days or weeks, or someone rings your doorbell and there’s no answer, it may let a thief know you’re not home. Tip: If you have smart appliances, or they have timer functions, set radios or TVs to turn on and off at varying times of the day. Radios set to talk stations are particularly good. Investing in a motion sensor smart camera, or a video doorbell, that sends notifications to your smartphone, can also help fool a thief that you’re at home. Some allow you to view the video in real time and even have a conversation with whoever’s at your door, even if you’re hundreds of kilometres away. Before you head off Be sure to incorporate home security into your holiday preparation. Before you head off: • Download our free Home Security Holiday Checklist to make sure you’ve all avenues covered. • Register your absence from residence with Victoria Police. Once you submit this form, your local police station will be notified and they may be able to increase patrols in your area while you’re away or notify your emergency contact if something happens. Be sure to let them know if you return early. • Ask a trusted neighbour, friend or family member to keep an eye on your place while you’re away and do regular checks.

4. You’re not keeping to your normal schedule. Some thieves will canvass a neighbourhood for a few days and watch the comings and goings to learn residents’ routines. They’ll then use this info to determine when to target your home. So, if you’re house has less activity than usual – or no activity at all – they’ll realise you’re not there. Tip: Try to arrange someone to house-sit for you or ask a trusted neighbour or family member to keep an eye on your place. See if they’ll help make it seem like someone is home by occasionally parking in your driveway, turning on a radio or TV, opening and closing blinds, mowing your lawn and putting your bin out on garbage day. Also try mixing up your routine every now and then to keep people guessing. 5. Your car isn’t where it’s usually parked. If you always park your car where it can be seen by passersby, such as in a carport, driveway or on the street, and then it’s suddenly not there for several days, it’s a good indicator that you’re away. DECEMBER 2023 | FIND GEELONG

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DECEMBER 2023 | FIND GEELONG 47

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Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper.

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

DECEMBER 2023 | FIND GEELONG

Christmas Carol

2023 Celebration in Geelong

The perfect opportunity for our community to get together and enjoy the holidays

DECEMBER 2023 | FIND GEELONG 49

www.findgeelong.com.au

Christmas and School Holidays Best wishes for Christmas and the holiday season. Trust it’s a good one. Here’s a few thoughts for families as we tackle the six weeks of school holidays. The summer school holidays are a great opportunity to do some special things with our children that we often don’t get the chance to do at other times of the year. Traditionally it’s a time to get away and have a holiday but I know that doesn’t work for everyone. 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 are marvellous. Rich and rewarding experiences involve interaction, sharing and talking – opportunities to laugh and connect with other family members. Some suggestions for having a rich school holidays – see how many you can do:

• • • • • • • • • • • • • •

ǡ – Go camping even if it’s only in Ȁ – – – ǣ ǡ ǡ ǡ ǡ ǡ ǡ destination wishes, share things you’re grateful for, appreciations of each other, ǡ favourites…. any category

Merry Christmas. See you in 2022. 4 Kindest regards, Rob. LPS Chaplain

Robert.Hunter@education.vic.gov.au

DECEMBER 2023 | FIND GEELONG

3 2 0 2 R E B M E C DE

LEOPOLD SPORTSMANS CLUB

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

BOWLS

In May 1975 the club was officially opened as a family friendly sporting club by Brian Dixon, the then Minister for Youth, Sport and Recreation. You can see the results for yourself on visiting our club.

GOLF

There are so many people to thank over many years for their support, encouragement and voluntary help along with the the original crew that helped established the club. Leopold Sporties, located in Leopold, Victoria, is a club based on sports. We offer Bowls, both social and Pennant, Golf, Racquet Ball and Squash.

RACQUET

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

52 FIND GEELONG | DECEMBER 2023

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FC LEOPOLD Thankyou to 2022-2023 Committee and Outgoing Committee Members At the recently held AGM, a short thank you speech was provided for all committee members. We’ve worked well together over the past year and as members of the committee we’ve had many hats to ensure the club succeeded for our members and the community. Please join us by thanking the 2022-2023 Committee: • Aaron Browne (President) • Lachlan Herron (Secretary) • Oliver Lynch (Treasurer) • Nick Anderson (Senior Coordinator) • Lisa de Vries (Junior Coordinator) • Tamara Allan (Registrar, General Committee) • Mitch Vìals (General Committee) • Craig Brentnall (General Committee) • Josh Murray (General Committee) Outgoing committee members include Josh Murray (Senior Player / U9 Coach / 3 YoS), Craig Brentnall (Senior Player / U9 Coach), Mitch Vìals (Senior Player / +2 YoS) and Oliver Lynch (3 YoS). All have made a difference and we thank you so much for all you have done for the club and look forward to seeing what your 2024 journey holds! New 2023-2024 Committee Announcement Coming Soon!

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DECEMBER 2023 | FIND GEELONG 53

DECEMBER 2023 | FIND GEELONG

in the spotlight Getting to know your find Geelong contributors Steve Dahllof

• Painting and Decorating • Member of Find Geelong

I have been painting for 38 years now and my love for painting gives me an op to run my own company, Dahllof Painting Services, for 25 years now which is running. I have been doing factory painting, maintenance painting and cu contract painting.

Our business is about making peoples’ houses better either for selling or livin everything we do from the little things to the big things. Our services include a spray painting and glazing of wooden windows. We specialise in high end will do anything.

We are happy to help any clients paint their house to improve it as we hav restoration work. No job is too big or too small for us. If you need a reliable pa get the job done in an efficient amount of time whilst making sure it is up to give us a call.

pportunity s still up and urrently, I mostly do

ng. We take pride in all general painting, restoration work but

ve a lot of high-end ainting team that will o our standards, then

kerna1967@gmail.com

www.stevedahllofpaintingservices.com.au

GEELONG LOC

See the magic of Christmas and fairy tales brought to life in 3.3 million lights over 1000 dazzling light installations and displays, with theme park rides, performances, Santa and more. It’s 4.5 hours of Christmas fun and entertainment for the whole family. New things to see this year include more light installations and Christmas-themed entertainment that will blow everyone away! Huge new light installations include a 100m lights maze, 4m tall Reindeer, 8m long Ice Castle, 25m Candy Cane tunnel, 15m Christmas Tree and more, totalling 300,000 new lights. New entertainment includes a high-flying Elf Trapeze Show and a life-sized, animated musical singing show with Polar Bear characters, Santa’s Reindeer, a magic tree and more. You can meet Santa and capture a magic memory with professional photography available.

CAL EVENTS

DECEMBER 2023

Kick off your 2024 New Year celebrations with hundreds of runners as we take in the beautiful Geelong Waterfront at the break of dawn on our classic 5 km course. Race begins at 7am sharp. We look forward to seeing you at the Geelong Waterfront...! Important race day information •

Individual participant’s times will not be recorded however finish times will be displayed on the race clock at the finish line. • Baggage storage will be available however only bags will be accepted, not loose items and the event organiser cannot accept responsibility for your valuables. • No dogs or strollers allowed due to the narrowness of the pavement in some places. Fundraising All funds raised go to Give Where You Live. A collaboration between Geelong Cross Country Club and Give Where You Live. All monies raised go to Give Where You Live. When 31 December 2023, 07:00 AM - 08:30 AM

0419 355 016

Cost • Adult: $20.00 • Child: $10.00 Under 18yo

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PICCADILLY CHRISTMAS MARKET

As we count down to Christmas, get ready for our most significant indoor event of the year, filled with both festivity and local charm. Over 100 vendors will showcase their goods, including women’s and children’s clothing, exquisite jewellery, eye-catching artwork, cozy candles, homewares, gourmet delights, local alcohol producers and more. Don’t forget to invite your friends to join in and support our local creators. Outside the venue, you can grab a delicious meal from our food vendors and relax in the outdoor seating area. Explore our festive treasures and discover original gift ideas to make this holiday season special. Admission is as easy as a gold coin donation, and parking is free. For the little ones, there’s a fun farm for $5, free face painting, roaming and live entertainment to keep everyone in good spirits. Email: janina@piccadillymarket.com.au Phone: +61 411 131 064 Associated organisation: Piccadilly Events Website: www.piccadillymarket.com.au Follow us: www.facebook.com/piccadillymarket www.instagram.com/piccadillymkt

The Dachshund Dash is back on for 2024 at the Geelong Harness Racing Club. There will be heats with the first 3 placings of each heat going through to the final. Limited spots available, so get those registrations in!

Dachshund Dash

If your dachshund is not up for racing and more of a fashionista type, there is also a ‘Fashions on the Field’ best dressed competition so get that outfit sorted and strut those paws. Cost for race and entry into best dressed is $20. Follow our GHRC Facebook site for updates. When 21 January 2024, 04:00 PM - 11:00 PM

Contact Geelong Harness Racing Club

Where Geelong Harness Racing Club Wadawurrung Country, 40 Broderick Road

Email: jodi@geelonghrc.org.au Phone: +61 3 5275 4880

Website: https://www.geelonghrc.org.au/ Follow us: https://www.facebook.com/ GeelongHarnessRacingClub https://www.instagram.com/

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Christmas Nights at The Carousel

9 December 2023 to 23 December 2023 Enjoy a special after-hours experience at Geelong’s famed Carousel. Ride the horses, participate in craft and enjoy the Christmas atmosphere. In addition to The Carousel’s planned activities, you will also be able to experience the family-friendly Sound and Light show on our iconic floating Christmas tree and don’t forget to take a selfie at the Carousel too...!

Email: carousel@geelongcity.vic.gov.au Phone: +61 3 5224 1547 Associated organisation: The Carousel Website: http://www.geelongaustralia.com.au/carousel Follow us: http://www.facebook.com/TheCarouselGeelong

GEELONG Daily from 19 January 2024 to 21 January 2024 10:00 AM - 05:00 PM, Geelong Showgrounds Wadawurrung Country, 77 Breakwater Rd, Breakwater VIC 3219

Formerly known as the Geelong Outdoor Living Show, for 10 great years we’ve been the go-to event to see everything offroad, on-road, RV, caravan, camper trailers and everything in between. Join us across three HUGE days at the Geelong Showgrounds, it’ll be jam-packed with exclusive show-only offers from renowned caravan manufacturers, fantastic deals on the latest 4×4 equipment and the most prominent accessories brands available in the market! • • • •

Over 120 exhibitors on display Family Friendly, Kids Free Plenty of FREE Parking Dogs are welcome

Buy online to save and skip the queues. Ticket prices increase at the gate. Contact Website: https://outdoorlivingcaravanexpo.com.au/ Follow us: https://www.facebook.com/outdoorlivingcaravanexpo/ https://www.instagram.com/outdoorlivingcaravanexpo/ DECEMBER 2023 | FIND GEELONG

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Christmas in the Gardens Join us for a joy-filled family event that’s sure to make your holiday season extra special...! We’re spreading the holiday cheer with a variety of festive activities that will delight both kids and adults. We are yet to reveal the entire program however here’s just some of what you can look forward to: Photo with Santa Take your very own photo with Santa and capture the magic of Christmas by getting a free photo with Santa himself...! Face painting Let our talented face painters transform your little ones into their favourite holiday characters as it is the perfect way to add some extra sparkle to the day...! Christmas Photo Booth Strike a pose in our Christmas-themed photo booth and create lasting memories. Christmas craft and activities Get your creative juices flowing with a range of holiday-themed crafts and activities. Whether it’s sand art, decorating your own pot plant or discovery trail, there’s something for everyone to enjoy. Music and magic Immerse yourself in the holiday spirit with Christmas sounds of the season including live music and magic performers such as Granny Lee and Dazzling Dan the Magic Man plus more to be revealed closer to the dates. Ticketing • This event is free and bookings are not essential so just turn up on the day and enjoy the festivities. • Children must be accompanied by a parent/guardian and each ticket allows for one child and one parent/guardian only. When: 16 December Where: Geelong Botanic Gardens Wadawurrung Country, top of Podbury Drive, Geelong VIC 3220

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Select from 10km run, 10km walk, 5km run or 1.4km Ripper Nipper run from The Rip at Point Lonsdale to Ocean Grove near the Barwon River. Arguably the oldest Fun Run in Australia, RT Edgar Rip to River, held early every summer, is one of Ocean Grove Surf Life Saving Club’s most iconic events. It is also the single biggest fundraiser and each year we welcome approximately 1,000 runners to the pristine hard sand track from the Point Lonsdale lighthouse to the main beach at Ocean Grove. Register now When 30 December 2023, 08:30 AM - 12:00 PM Where Ocean Grove Surf Life Saving Club Wadawurrung Country, 28 Surf Beach Rd, Ocean Grove VIC, Australia

Cost • Adult: $50.00 10km run, 10km walk or 5km run

•

Child: $30.00 $30 for 10km run, 10km walk or 5km run $20 for 1.4km Ripper Nipper

Contact Anna McDonald Email: admin@oceangroveslsc.asn.au Phone: +61 3 5255 1382 Associated organisation: Ocean Grove SLSC Website: http://www.oceangroveslsc.asn.au

Android Phone Basics Have you just got a new Android phone and would like to learn about some of its other features? This session will cover taking photos, checking the news, sport and weather, other useful apps, as well as tips and tricks to get the most from your new device.

18 December 2023, 10:00 AM - 11:00 AM

Phone: 4201 0657

Email: Newcomb@grlc.vic.gov.au

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Christmas at the Shed Christmas comes to the Shed with Christmas lights, decorations some toe-tapping Christmas songs topped off with a free screening of the family favourite Home Alone. Grab some popcorn and take time out from the pre-Christmas rush to kick back and have a laugh or two at this classic Christmas Comedy. You may even wish to join in singing with some of the locals as they take you through some well-known Christmas Karaoke. There will be music, games and giveaways and our Christmas light installations. Everyone is welcome at the Potato Shed. Although this event is free, bookings are essential - book online now. 15 December 2023, 06:00 PM

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SHAKE, RATTLE & ROLL Welcome to the Legendary Blues Train, Australia’s Unique Music Experience! Experience a MINI MUSIC FESTIVAL ON A STEAM TRAIN as you travel along the scenic heritage Bellarine Railway. Enjoy a fresh BLUES INSPIRED MEAL as you prepare to journey through the carriages and party the night away with 4 AMAZING LIVE BLUES & ROOTS ENTERTAINERS.

THE MCNAMARR PROJECT

BRET MOSLEY

THE WINDSAVERS

DAMON SMITH

SAT 16th DECEMber

LINEUP & TICKETS DECEMBER 2023 | FIND GEELONG

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New Year’s Eve Fireworks Free Fireworks displays returns to the Waterfront this New Year’s Eve as we say farewell to 2023 and welcome in the new year, 2024...! There will be a family-friendly hour at dusk with a 9:30pm display as well as the traditional midnight display. Pet owners are urged to keep their pets safe during this time. Plan your New Year’s Eve With a crowd making their way into the city and surrounds for the celebrations, a little planning can make it a night to remember. New Year’s Eve Celebrations events From the bay side to the dancefloor, there’s plenty events on offer as you bring in 2024, here are just a few options for the biggest night of the year. Start your night with more free evening entertainment and take in our spectacular Floating Christmas Tree Sound and Light Show (8:30pm - midnight) as well as the stunning Christmas themed Christmas Projections on City Hall (8:30pm - midnight). A new sound and light show programme kicked off on Boxing Day...! Other events and activities will be added here as more information becomes available. Sign up for the Events Geelong Newsletter When 31 December 2023 Contact City of Greater Geelong

www.findgeelong.com.au

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Wildlife Photographer of the Year 59

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

Book your tickets online

Members get free entry: become a member

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

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

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Geelong Beer Festival returns to Johnstone Park this January 20th, with a new look and feel, the iconic festival celebrates the region’s best in food/drink, arts, and entertainment combining a stellar list of world-class breweries, cideries, distilleries, cocktail specialists, vineyards and local gourmet street food, complemented by a dynamic program of live entertainment and curated activities. Non-stop free entertainment and activities including: Live cooking demonstrations at the Culinary Stage showcasing local ingredients featuring our favourite culinary names. The Masterclasses will be fun and informative with brewer forums, trivia, beer/food matching, free tastings and more delivered by local industry stalwarts Tiffany Waldron and Lindsy Greig. The Sound Lounge will deliver roving and interactive performances with the Ale Capones, DJ and saxophone sets, dance competitions and a not to be missed finale from the Piano Bars’ Andy Pobjoy and the Ale Capones. The Main Stage will feature The Bag Raiders (DJ Set) supported by local favourites Famous Will and local covers band Madhouse. Roving performers, kids’ entertainment and family friendly activities.

20 January 2024 12:00 PM - 08:00 PM

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Piano Bar By Request

Spend your night with us for an evening of classic Piano Bar entertainment by one of our fabulous piano men and superstar vocalists. They’ll be taking requests and playing your favourite songs until 1am. Doors open at 6pm with entertainment from 7:30pm. All tables must arrive by 7:30pm or your table may be offered to our wait list. Our full bar and kitchen menu will be available at bar prices. Every Friday and Saturday night from 6pm - 1am. When Various dates from 2 December 2022 to 23 December 2023, 6:00am - 01:00am Email: play@pianobar.com.au Website: www.pianobar.com.au/ geelongbookings Follow us: www.instagram.com/pianobargeelong/ www.facebook.com/pianobargeelong

Plan your New Year’s Eve

New Year’s Eve Celebrations in Geelong

With a crowd making their way into the city and surrounds for the celebrations, a little planning can make it a night to remember. Sign up for the Events Geelong Newsletter. When 31 December 2023 Where Wadawurrung Country, Various locations

From the bay side to the dancefloor, there’s plenty events on offer as you bring in 2024, here are just a few options for the biggest night of the year. Start your night with more free evening entertainment and take in our spectacular Floating Christmas Tree Sound and Light Show (8:30pm - midnight) as well as the stunning Christmas themed Christmas Projections on City Hall (8:30pm midnight). A new sound and light show programme kicked off on Boxing Day...! Free Fireworks displays returns to the Waterfront this New Year’s Eve as we say farewell to 2023 and welcome in the new

year, 2024...! There will be a family-friendly hour at dusk with a 9:30pm display as well as the traditional midnight display. Pet owners are urged to keep their pets safe during this time. New Year’s Eve Celebration Events on in Greater Geelong

Contact Email: eventsgeelong@geelongcity.vic.gov.au Phone: +61 3 5272 5272 Associated organisation: City of Greater Geelong Website: http://www.eventsgeelong.com.au

New Year’s Eve Fireworks New Year’s Eve Rock n Roll Dance

Do you have a New Year’s Eve or Day event that is not listed here...?

http://www.instagram.com/ eventsgeelong

• •

List your event for free and it will be added to the list. DECEMBER 2023 | FIND GEELONG

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DECEMBER 2023

For inquiries call 1300 88 38 30

or email the editor@findgeelong.com.au

SPORTS NEWS & EVENTS

DECEMBER 2023

Notice of Annual General Meeting Information for the upcoming Annual General Meeting

Tuesday 19 December 2023, 7pm Notice is given in accordance with clause 9 of the Geelong Football Club Limited’s Constitution (“the Constitution”), that the 2023 Annual General Meeting of the Geelong Football Club Limited (ACN 005 150 818) (“the Club”) will be held in the President’s Room, Brownlow Stand, GMHBA Stadium, Kardinia Park, Geelong on Tuesday 19 December 2023 at 7pm (AEDT) (“the AGM”). The business to be dealt with at the AGM shall be: The receipt and consideration of: Minutes of 2022 Annual General Meeting; 2023 Financial Report; and 2023 Directors’ Report and Auditor’s Report. Any other general business as the Chair directs in accordance with the Constitution. In addition, the Club will have a range of AFL and AFLW football program personnel and players in attendance on the evening. Minutes of 2022 Annual General Meeting The Minutes of the 2022 Annual General Meeting are available here from 28 November 2023. If you would like a hard

copy of this document, please contact addresscompanysecretary@geelongcats. com.au. Financial Report The 2023 Financial Report will be available on the Club’s website from Tuesday 28 November 2023. A copy of the Financial Report is available here. If you would like a hardcopy of the document, please contact Marcus King, Chief Strategy & Growth Officer & Company Secretary, by email at companysecretary@geelongcats.com. au. Members who request a hard copy will continue to receive all subsequent Financial Reports in this form until the Club is advised otherwise. We trust you will find the 2023 Financial Report to be clear, informative and easy to access. Should you have any queries, please contact the Company Secretary. Appointing a proxy In accordance with the Constitution, a member is entitled to appoint a proxy (who need not be a member of the Club). The appointment of a proxy shall be in writing and must be lodged at the Office of the Club to the attention of the Company Secretary not later than 7pm (AEDT) on Sunday, 17 December 2023.

You can obtain a proxy form by contacting the Club on 03 5225 4400 or companysecretary@geelongcats.com. au. Attendance and questions To allow us to cater for all members, if you are planning to attend the AGM, we request you to RSVP by no later than 7pm (AEDT) on Tuesday, 12 December 2023. At conclusion of the AGM, we will be conducting a Question and Answer forum with Senior Club Representatives. We would like to give everyone the opportunity to ask a question and therefore request you submit your question in advance when submitting your RSVP via the link below. To attend the AGM or submit a question, please click here. Annual Report To download a copy of our Annual Report, please click here.

SPORTS NEWS & EVENTS

DECEMBER 2023

SPIRIT EXTENDS MAJOR PARTNERSHIP WITH TAC, ANNOUNCE GEELONG HOME GAMES The Bendigo Spirit are delighted to have the Transport Accident Commission (TAC) driving the team forward once again as a major partner this 2023-24 Women’s National Basketball League season. The Spirit’s three-year partnership extension with the TAC is integral to highlighting the importance of road safety, particularly on country roads. The partnership will see the Spirit play a key role in sharing the TAC’s road safety messages, including a variety of content with Spirit players. Thanks to the partnership, the Spirit will be heading down to Geelong for their Round 7 clash against Adelaide Lightning on December 15, and again in Round 10 to take on reigning champs Townsville Fire on January 7. In both games, the Spirit with wear specially designed jerseys featuring road lines inside a yellow sash.

“We spend a lot of time on the road, both during the pre-season and regular season, so keeping safe on the road across regional Victoria and beyond is something we’re passionate about as a team.

The TAC’s Chief Executive Officer Tracey Slatter said the TAC was proud to support the women’s basketball team with the partnership allowing us to engage directly with regional Victorians on the road safety issues that impact them most.

The crowd-favourite TAC blimp is also back for the 2023-24 WNBL season.

“The TAC also have a strong commitment to all-abilities basketball programs in the region in a further sign of our brands aligning.”

“It’s an unfortunate reality that people travelling on regional roads are more likely to be killed or seriously injured in a crash,” Ms Slatter said.

“We are rapt to have the TAC’s support once again this season as we look to promote the importance of road safety on country roads together,” Bendigo Spirit General Manager of Operations David Ingham said.

There will be all-abilities curtain-raisers ahead of both Geelong games, as well as various clinics run by Spirit players and coaching staff across Bendigo and Geelong.

Additionally, the TAC’s branding will be prominent at both home games at Red Energy Arena and on the road, with their logo to be proudly displayed on the Spirit’s home and away uniforms and oncourt signage.

“This partnership means we can work with the basketball community to ensure the players, team members and spectators all have road safety front of mind as they travel for games.”

MORE WNBL NEWS

TWO IN A ROW! BENDIGO WIN OVERTIME EPIC AGAINST LIGHTNING

COACH KEREAMA HOPING TO BUILD ON BREAKTHROUGH WNBL WIN

SPORTS NEWS & EVENTS

DECEMBER 2023

“JUST NOT GOOD ENOUGH”: AUSTRALIA CALLED OUT AFTER FORCING BOLAND TO MISS BBL CLASH

Former Australian all-rounder Simon O’Donnell agrees with Melbourne Renegades coach David Saker who had a dig at Cricket Australia for ruling Scott Boland out of the BBL season-opener. Boland, who was selected in the 14-man squad for the Melbourne Stars for their clash against the Brisbane Heat on Thursday night, won’t play in the fixture with Cricket Australia putting the bowler on ice in case he plays in the first Test against Pakistan in Perth. On top of Boland likely missing out on Test selection next week, Saker feels that the Victorian should be playing in the competition with four overs of bowling at most unlikely to affect him. Saker also called for more consistency and transparency on when Test players can and can’t play BBL, all points O’Donnell agreed with. O’Donnell believes resting such players weakens every level of cricket and hopes the sport’s governing body in Australia finds a happy medium. “Four overs is certainly not going to kill him,” O’Donnell said on SEN Breakfast. “Cam Green didn’t bowl on the first day of the Prime Minister’s XI, I don’t know whether he’s carrying a slight injury. But I just hope that’s not being managed.

“Cam Green as a young cricketer should be saying, ‘Give me the pill. I want to try and get a four-for here and get my name back in contention for the Test side’. “The other aspect that makes the water murky is there’s no red-ball cricket now until the end of January for anyone to impress on a domestic level. “This filters down not just with Cricket Australia and the Big Bash, this filters down to state cricket and club cricket. Every aspect of cricket is being weakened by these guys being constantly rested under medical advice.

“It seems ridiculous to me that he cannot make the choice to go and do that. There are too many examples of this going too far. “People say, ‘Get up to the modern times or whatever’, but look, the bottom line is cricketers have got to play cricket. “Yes, I think there is a load limit, but this is taking the load limit to ridiculous levels and the people making a decision on whether Scott Boland plays or not are the wrong people making a decision on whether he plays or not.

“We’ve got to find a happy medium here because it’s just not good enough.”

“He should be able to play and bowl 24 deliveries in that match and be part of promoting cricket as a high-profile cricketer in this country.”

O’Donnell also believes it’s ridiculous that Boland can’t pick and choose himself how much cricket he wants to play.

Boland will hope to be selected for the first Test against Pakistan in Perth which begins on December 14.

While he understands that pace bowlers should have load limits, he thinks Cricket Australia are taking it to “ridiculous levels” when it comes to stopping players from competing in the game’s shortest format.