Find Knox 2022 - August Edition

WHAT’S INSIDE: 04 LOCAL STORIES 09 COLUMNIST ARTICLES 14 TAX UPDATES 18 KNOX COUNCIL NEWS 16 38 FIND REALCOUPONSESTATE-RENTAL LISTINGS SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX 36 34 20 FIND BIRTH, DEATHS, & MARRIAGES FIND NOT-FOR-PROFITSFAITH EVENTS & ARTICLES MarkMogato info@findaccountant.com.au | www.findaccountant.com.au PLATINUM SPONSOR AUGUST0418GeneralCRAIGSPONSORANDERSONInsurance300096 Knox AUGUST 2022The sales@heightsafetyinsurancebrokers.com.auwww.heightsafetyinsurancebrokers.com.auwww.findknox.com.auHELPING THOSE IN NEED

x 196mm): $715 Half Page Portrait: (280 x 95mm): $ 715 Third Page: (90 x 197mm): $550 Quarter Page: (139 x 96mm): $440 or Business Card Sized: (53 x 98): $121 (106.67mm x 253.87mm horizontal): $396 Design Services: We can create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter. NEXT ISSUE Next Issue of the Find Knox will be published on Wednesday September 8, 2022. Advertising and Editorial copy closes Monday September 5, 2022. PAINTING AND DECORATING Are you our Solicitor?nextAre you our Plumber?nextAre you our Electrician?next Are you our Bookkeeper?next Are you our next Finance Broker? Are you our Architect?next Are you our next Life Coach? Are you our next Mortage Broker? Are you our Electrician?next Are you our next Travel Agent? Are you our Marketer?nextAre you our next Painting & Decorating? Are you our next Writer???? ? ?FACILITATOR?Are you our Facilitator?next? ? ?? ?? ? ?

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ALL THINGS KNOX

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The Find Knox 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 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 to promote themselves as well as to make the community more aware these organisations can offer. The Find Knox has a strong editorial focus and is supported via local financed predominantly by local business owners.

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The City of Knox is a local government area in Victoria, Australia in the eastern suburbs of Melbourne. Knox had a population of approximately 136,230 as at the 2019 Report which includes 13,072 business and close to 59,000 households. The City of Knox was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT WARREN STRYBOSCH GENERAL INSURANCE CRAIG ANDERSON WRITER BOOKKEEPER ARCHITECT MORTGAGE BROKER ELECTRICIAN FINANCE BROKER LIFE COACH SOLICITORPLUMBING MARKETING ELECTRICAL OPERATIONS TRAVEL AGENT Knox The EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findknox.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findknox.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@findknox.com.au WEBSITE: www.findknox.com.au OUR NEWSPAPER

The Find Knox acknowledge the Traditional Owners of the lands where Knox now stands, the Wurundjeri 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 Knox 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.

Consumer confidence has hit its highest level since late June, leaping 4.9 per cent in the past week. The weekly ANZ-Roy Morgan survey released on Tuesday found all of its confidence sub-indices improving except “time to buy a major household item”, which was down 0.5 per cent. “Current financial conditions” rose 5.4 per cent, while “future financial conditions” gained 8.2 per cent from the week before and moved back above 100 and into net positive territory for the first time since late May

The latest employment figures will be released by the Australian Bureau of Statistics on Thursday. “We aren’t getting carried away. Sentiment toward ‘future financial conditions’ is still well below average and overall confidence is deeply negative,”

Mr Plank CommSecsaid.expects the jobless rate to be steady at 3.5 per cent, with 20,000 jobs created in July.

ANZ head of Australian economics David Plank says the drop in confidence in the week of the Reserve Bank’s cash rate lift was “more than completely reversed” in the latest survey. (Australian Associated Press) Paul Osborne “Across the major states, confidence was up very strongly in Western Australia and made solid gains in NSW and Victoria,” he “Confidencesaid. declined in Queensland and South Australia, however.” He said the sentiment about “future financial conditions” spoke to the strength of the labour market.

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The “current economic conditions” subindice rose 13.8 per cent to its highest level since early June.

AboutStrybosch the Find Knox

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

The RBA will shed light on its rates decision with the release of its monetary policy meeting minutes on Tuesday.

Consumer Confidence Up Despite Rate Rise

The data released on Tuesday by the Australian Institute of Health and Welfare was drawn from information gathered in the latest Census, including that there were nearly 9.8 million households in 2021. Of those, 67 per cent were occupied by “owners”, with roughly half of those subject to mortgage.

Australian dream of home ownership is being realised by fewer young people than it was half a century Dataago. collected in the latest Census shows the home ownership rate of people aged 30 to 34-years-old sat at 50 per cent in 2021, a drop of 14 per cent since 1971. For those aged 25 to 29, the decrease was also 14 per cent over the same period, dropping to 36 per cent in 2021. Some of those people aged below 30 who owned their own home in the 1970s are among the Aussies with the highest rate of ownership in 2021. Baby Boomers – those born between 1946 and 1964 –make up the highest rate (82 per cent) of home owners in 2021.

AustralianMissingYoungstersPress)OutOnDream

By Warren HELPINGStrybosch

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About a third of households, or 2.9 million, are occupied by renters.

“There has been a sharper increase in the proportion of young Australians renting compared with older Australians,” the institute said as part of its data release. By Nick (AustralianGibbsAssociated

THOSE IN NEED

With food and petrol prices on the rise and now interest rates putting pressure on new homeowners, people are starting to find it hard to put food on the table. Already, we are hearing stories of families having to go without. With likely interest rate rises continuing to occur this will place even more pressure on those families already struggling to obtain the essentials they require to get by on a day-to-day basis. In this month’s edition we have tried to find some organisations in the local area who may be able to help those families doing it really tough and require some additional support. Started on page 14, we list some of these organisations that are providing food relief, a community meal, and/or shelter for the night. We want to thank these organsiations for the work they do in looking after our community.Thegreat

www.findknox.com.au 5AUGUST 2022 | FIND KNOX 5AUGUST 2022 | FIND KNOX Find Aged Care Services is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community Whypapers.not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services Are you a Financial Planner looking for more clients? Grow FinancialyourPlanning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. List in our Find Aged Care Services Are you an Established and experienced Financial Planner providing Aged Care Advice?

It’s hoped Fraser Island will follow the lead of Uluru and only be known by it’s Indigenous name, as the Queensland government flags an official name Thechange.proposal will take a step forward this week as two months of public consultation begin, Resources Minister Scott Stewart said on Wednesday. He hopes the process will lead to the Indigenous name of K’gari entering the common vernacular in the same way Uluru has replaced Ayers Rock. “No one calls it Ayers Rock any more, they call it Uluru, and it’s about respecting our First Nations people, and about respecting the connection they have with this land,” Mr Stewart said.

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The evidence from AFCA (the external resolution board that handles financial planning complaints) provides us with a clear picture: The changes that have occurred over the past few years e.g. introduction of the FASEA Code of Ethics and increased education standards, have indeed had a positive impact for Iconsumers.believewe are moving in the right direction as a profession.

Nick (AustralianGibbs Associated Press) Fraser Island to go the way of Ayers Rock

“(For) 60,000 years they’ve been calling it K’gari, I think it’s about time we started to do exactly the same.”

Financial Planning Complaints Trending Down By Warren Strybosch

The reinstatement of K’gari as the island’s name has been a long time coming, chair of the Butchulla Aboriginal Corporation Aunty Gayle Minniecon said. “It means so much to the Butchulla people,” she said. “For us it’s about respect for our people. It’s important for us to let our ancestors know that our culture is still strong and we continue to care for our country.”

With all the changes that have occurred in the financial planning profession, it was good to note that there was nearly a 50% reduction in complaints in the 2022 FY compared to the 2021 FY relating to ‘Failure to act in the client’s best interests’ and ‘Inappropriate advice’.

The consultation follows the island’s world heritage area being renamed K’gari last year, Environment Minister Meaghan Scanlon said “K’gari means paradise in the Butchulla language and as a popular destination for its natural beauty, is a much more fitting name for such an iconic place,” Ms Scanlon said. “The name Fraser Island is culturally inappropriate – it is a tribute to Eliza Fraser, a woman whose narrative directly led to the massacre and dispossession of the Butchulla people.”

K’gari was originally known by Europeans as Great Sandy Island before it was changed to Fraser Island after Scotswoman Eliza Fraser was shipwrecked there in 1836. While the World Heritage Area became K’gari last year, the official place name for the world’s largest sand island had yet to change.

(Source: AFCA)

As I am sure you can guess, I do have a cat. She is a beautiful tortoiseshell DMH who loves being outside as well as inside. We have a number of cats in our street, and once they established their pecking order, they all seem to get on really well and we quite often find one or two other cats sitting near or in our front yard a couple of metres from our cat. Although they don’t sit together, it appears they still like the company of each other. We ensure our cat comes inside overnight, as do our neighbours and often that means she has to come in by 4pm in the summer otherwise she hides from us so she can stay out. Our house also doesn’t get a lot of sunshine inside throughout the day so she would miss out on that precious light if we were to keep her in 24/7. What are your thoughts on a 24/7 ban on cats leaving their owners property? Email us at editor@findgeelong.com.au and we’ll publish your comments next month.

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There appears to be a growing trend amongst Melbourne councils to bring in stricter policies when it comes to cat ownership. In April 2022, Knox Council implemented a 24/7 ban on domestic cats leaving their owner’s property. There will be a 6 month grace period where only warnings will be issued but then this will change to a $91 fine for first time offences, then jump to $545 for subsequent breaches starting in October In2022.July 2023, Bass Coast Shire Council will also implement a 24/7 ban on cats straying from their owners property. They intend to have a 12 month education drive in the lead up to this ban. Manningham Council have announced that they will be implementing a trial 24/7 ban but have not yet announced a date for this. The general consensus for this growing trend is to protect the wildlife with a side note about protecting the cats themselves from injury and illness. Protecting the wildlife is important and a night curfew will help with this, but I think it is up to the cat’s owner to worry about illness and injury. However, what about consequences?the Many outdoor cats help to keep the rodent population down. Will we suddenly see a spike in rats and mice throughout these Councils and neighbouring councils, potentially causing much bigger problems? There doesn’t appear to have been much thought given as to how local households will be able to implement this. Simply building a cat run or enclosing your property in a high fence will be costly (and potentially unsightly) and prohibit many low-income families from doing this. Locking cats up, particularly older cats that are used to being outside seems cruel and is no better than locking up a wild animal in a cage at the zoo. Families who are renting will likely be unable to get permission from their landlord to build an enclosure as well. Will this lead to a lot of cats having to be rehomed because the families can’t afford to catproof their property?

The ATO has issued a release stating that rental properties are one of its four main focus areas for the 2022 returns now being submitted. The ATO urged rental property owners to ensure they carefully review their records before declaring income or claiming deductions. The release highlights common pitfalls, including the importance of keeping ade quate Assistantrecords.Commissioner

By Jodie Moore

By Warren Strybosch

Rental properties – An ATO focus area for 2022 returns

Tim Loh noted that the ATO’s Random Enquiry Program found that nine out of 10 tax returns that reported rental income contained at least one error. This is despite most of those property owners being assisted by a registered tax agent. While tax agents can only work with the information they gather from clients, the ATO said it expects agents to ask a few extra questions to ensure their client’s return is completed correctly.

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CatsCurfew

If you are a sole trader, you have not had to worry too much about any debts owing to the ATO. You would simply be placed on a payment plan and pay off what you can when you can. However, this is has now changed and the ATO is taking a harder stance against those business owners who owe money to the TheATO.ATO will now inform credit provides of debts larger than $100,000. This will have an impact on sole traders and partners seeking any type of finance e.g., home loan, investment loan or car finance, in the Generalfuture.manager of technical policy at the IPA, Tony Greco, said the move could provide a more even playing field for “Therebusinesses.arepluses and minuses, the pluses are it makes it more transparent that the market and all credit providers, including trade credit, get to see what level of debt the business has and it provides an extra impetus to that client to engage with the tax office,” said Mr Greco. “If you’ve got one business compliant and another not compliant then that’s an unfair advantage, so it promotes fairness in the tax system.”

ACCOUNTANTStrybosch

• An active review with the AAT of a reviewable decision that might affect the amount of a non-complying superannuation fund’s tax debt with the relevant regulator

By Warren

As a sole trader it is important to work with your accountant and/or tax agent to make sure you can meet your meet your obligations going forward. That might mean setting up separate bank accounts to keep track of your GST, PAGW, and Super owing, so you have enough funds to pay those amounts when they fall due.

• An active objection against a tax decision to which the debt related

• An application for release from the tax debt

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

“The rules are currently that it has to be over $100,000 and has to be related to a business debt and it also has to be when the business is basically not responding to current attempts to put it on the payment plan or to pay it,” said Mr TheGreco.ATOsaid that a business or sole trader effectively engaging with it would not be subject to CRB referral, even if the debt exceeded $100,000.

• An active complaint with the IGTO in relation to the tax debt. Mr Greco said the ATO used the ability to disclose tax debt information to CRBs as a tool to influence businesses to take their debt seriously. “A lot of businesses treat the ATO as the lender of last resort so just don’t pay it,” he said. “When money becomes tight businesses just stop paying one of their creditors, and the easiest one is the ATO.

The change applies only to sole traders with ATO debts that meet certain criteria.

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

• A payment plan and complying with the terms of the arrangement

Sole Traders – the ATO will now pass information on to Credit providers

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“We’ve always asked for a tailored approach so if a business has been caught up in negative COVID scenarios then they [the ATO] should go soft, but if other businesses have thrived during COVID the tax office should go hard.”

“A credit rating is very important if you are highly leveraged, therefore this ability to provide this information so all can see is the thing that sometimes gets people to take note of the debt because it starts to impact their ability to finance their operations.”

• An active review with the AAT or an active appeal to the court

Mr Greco said the IPA wanted to see the ATO customise its approach for each “Taxbusiness.debts are a big problem and it has blown out for a good reason, the tax office was giving businesses a bit more leeway during COVID which was understandable,” he said.

The ATO said effective engagement involved having:

Before disclosing a tax debt to CRBs, the ATO said it would send a written notice to the business that included steps that could be taken to avoid the information from being reported.

WARREN STRYBOSCH The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multiaward winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria. Group 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA

Find

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www.findknox.com.au 9AUGUST 2022 | FIND KNOX 9AUGUST 2022 | FIND KNOX Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area. We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities. For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services. List Your Aged Care Facilities with Find Aged Care Services Website Today. 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.

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. 0418ancebrokers.com.auheightsafetyinsur300096Anyadviceinthisarticlehas been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives,needs and financial situation).

everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home. The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.

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ResponsibilityEmployers–StaffWorkingFromHome

By CraigGENERALAnderson INSURANCE Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”. If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords If this is a situation currently causing you concern, and you’d like to explore. Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion. Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”. For a health check of your business insurance, contact Small Business Insurance Brokers via email smallbusinessinsurancebrokers.com.ausales@

He said the new government would “focus on what we can responsibly “Australiansinfluence”. know that we are in for a difficult time ahead when it comes to the storm clouds in our economy, but we are confident that we will emerge on the other side of this stronger than before.”

“Many households have also built up large financial buffers and the saving rate remains higher than it was before the “Thepandemic.boardwillbe

Anneke Thompson, chief economist at CreditorWatch, said the rate of default by small businesses was expected to rise by a percentage point over the next Theyear.likes

Treasurer Jim Chalmers told parliament it was “another difficult day” for Australian “It’shomeowners.notashock to anybody, but it will still sting,” he said.

“Families will now have to make more hard decisions about how to balance the household budget in the face of other pressures like higher grocery prices and higher power prices and the costs of other essentials.”

PropTrack senior economist, Eleanor Creagh, said it had been the fastest increase in rates since 1994.

Treasurer Jim Chalmers told parliament it was “another difficult day” for Australian “It’shomeowners.notashock to anybody, but it will still sting,” he said. “Families will now have to make more hard decisions about how to balance the household budget in the face of other pressures like higher grocery prices and higher power prices and the costs of other essentials.”

of Surfers Paradise in Queensland and Auburn in NSW are likely hotspots for mortgage defaults, flowing on to debt problems for local businesses.

The Reserve Bank has lifted the official cash rate by 50 basis points to 1.85 per cent – its highest level in over six years. For someone with a $500,000 mortgage at the start of May, with 25 years remaining, the total increase across the four hikes would be $472 a month, according to RateCity.

The rate rise came as the value of new loan commitments for housing fell 4.4 per cent in June, but remained at a historically elevated level of $31 billion, according to the Australian Bureau of TheStatistics.value of new owner-occupier loan commitments fell 3.3 per cent in June, while new investor loan commitments fell 6.3 per cent.

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paying close attention to how these various factors balance out as it assesses the appropriate setting of monetary policy.”

The bank’s central forecast is for CPI inflation to be around 7.75 per cent over 2022, a little above four per cent over 2023, and around three per cent over 2024, he said. He said higher inflation and higher interest rates were putting pressure on household budgets, with consumer confidence falling and housing prices declining in some markets after large increases in recent years. “Working in the other direction, people are finding jobs and obtaining more hours of work,” he said.

Reserve Bank lifts cash rate to 1.85pct Paul (AustralianOsborneAssociated Press)

RBA governor Philip Lowe said in a statement after the board meeting the rate rises in recent months were required “to bring inflation back to target and to create a more sustainable balance of demand and supply in the Australian “Theeconomy”.board expects to take further steps in the process of normalising monetary conditions over the months ahead, but it is not on a pre-set path,” he said. “The size and timing of future interest rate increases will be guided by the incoming data and the board’s assessment of the outlook for inflation and the labour Themarket.”RBA is seeking to return inflation to its target band of two to three per cent from its current level of 6.1 per cent – the highest it has been since the early 1990s.

The total number of dwellings approved fell 0.7 per cent in June, following a 11.2 per cent rise in May.

Dr Lowe said inflation was expected to peak later this year and decline back to the target range.

Income Protection Cover Income Protection Cover pays an ongoing monthly income for as long as you’re unable to work or until the end of the benefit period, whichever happens first. You can cover up to 70% of your income. Select from a range of benefit periods, from 2 years, 5 years or to age 65. Business Expense Cover You can’t afford to be sick if you’re selfemployed or running a small business. Business Expense Cover helps cover the fixed operating expenses of your business if you are unable to work due to sickness or injury. Similar to Income Protection Cover, you receive an ongoing monthly income (for a maximum of 1 year), but instead of replacing your salary, it covers your business expenses. This can help keep your business afloat while you’re on the road to recovery.

• Paying the mortgage or rent

Cover for your family when you’re Lifegone...Cover Life Cover can help ease the financial burden for your family if you’re terminally ill or die. With a lump sum benefit, your family can use the money to pay off the mortgage or other debts and maintain their current standard of living. You choose an amount of cover that’s right for you. Cover for you while you’re living Total and Permanent Disability (TPD) Cover Some sickness and injuries may end up leaving you totally and permanently disabled and unlikely to ever work again. TPD Cover pays a lump sum benefit that can be used to make modifications to the family home, access the best rehabilitation or simply provide money to live on. Income Protection Cover only covers up to 70% of your income, so TPD Cover can be used to top up the shortfall. Trauma Cover

• Paying for your children’s education

FINANCIALStrybosch PersonalPLANNINGInsurance: Types of Cover

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Last month we discussed how much personal insurance you should consider having in place. It was a starting point and seeking professional financial advice is important to determine the right amount of cover for your needs.

• Indexation: We will automatically increase your cover each year to ensure your benefit amount keeps up with inflation (premiums will increase in line with increased cover)

where life insurance can help. Our range of life insurance covers can help you and your family financially if something bad happens to you. The right cover can help with:

• Covering out-of-pocket medical expenses How life insurance works Life insurance is there to pay you and your family when you need it the most. This could be anything from a temporary sickness or injury, through to a permanent disability or death. Life insurance products differ by:

If you suffer from a specified serious illness such as cancer, heart attack or stroke, a lump sum benefit paid upon diagnosis may help you access the best medical treatment, or pay down some of your debt. You can choose a benefit amount of up to $2 million, and you are covered for more than 40 specified conditions.

• Events covered: Covers typically protects financially against sickness, injuries or death (or a combination of these)

By Warren

This month we are going to review the different types of personal insurances you can obtain. It is important to note that that not every insurer offers the below type of cover but they are available through different insurers. Again, seeking appropriate financial planning advice is important. Talk to a licenced financial planner and they can discuss with you what types of cover you should consider. Please do not go to a mortgage broker, the bank or a general insurance broker and ask them to provide you with personal insurance. That is akin to asking a masseur to perform surgery on you…they could do it but they are likely to botch it up. Go to the professionals if you want a professional job done right. Why life insurance is important We insure our cars, home, pet and even our health. But many of us neglect to insure our most important asset – our lives. Whether you need to take time off work to recover from a sickness or injury; change your lifestyle due to a permanent disability, or you die unexpectedly, without your income, it can have a huge impact on you and your family’s quality of That’slife.

What’s covered?

• Covering your day to day bills, and

• Causes: Some types of cover are limited to accidents only, while others cover you for sickness and accident • Lump sum benefit vs daily benefit: Some types of cover pay the benefit as a one off lump sum, while others pay as an ongoing benefit amount. Insurance that makes regular payments typically cover you for the period that you’re out of action You choose the type of cover and the benefit amount you need. To keep your cover in place, you need to pay your premiums. If you suffer an insured event while your cover is in place, you (or your beneficiaries if you’ve died) can claim the benefit amount, subject to satisfying the relevant terms and conditions. If the unfortunate happens, we will pay out on genuine claims. The conditions on which we pay out depend on the type of cover. Remember to consider this carefully before taking out cover and read the relevant PDS.

Child Cover No one wants to see their child sick. But if it happened to your child, you’d want the best medical treatment available, and that can be expensive. Child Cover allows you to take up to $200,000 cover for kids aged between 2 and 18 and will pay a lump sum benefit if they suffer from a specified serious illness or in the event of their death. Helpful little extras (provided by some insurers) Some insurers provide the following quality features:

• Provision for continuing cover: Once we issue your policy, we won’t change the terms and conditions or the premium you pay because of a change in your personal circumstances

helping clients for the past 20 years with their personal insurance needs. He has been a finalist for many financial planning awards, won a few awards of the years, and has been recognised as one of Australian’s top 50 most influential advisors. You are in safe hands with Warren.

• Worldwide cover: You are covered 24/7 anywhere in the world

Booking link:

Read the Product Disclosure Document (PDS)

personalmakewithAfterminute-phone-conversationhttps://calendly.com/findgroup/15-themeetingyouwillbeprovidedaFREEInsuranceReportsoyoucananinformeddecisionaboutyourinsuranceneeds.

Warren Strybosch You can call them on 1300 88 38 30 or www.findinsurance.com.auinfo@findinsurance.com.auemail to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

What’s not covered? There are some situations where you’re not covered and when we won’t pay a claim. This includes not telling us the truth about your health or financial situation when applying for cover.

www.findknox.com.au 13AUGUST 2022 | FIND KNOX 13AUGUST 2022 | FIND KNOX

We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General InsuranceWeDONOTprovide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended

This information is current as at August 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’).Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused,nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Before accepting the cover that is being recommended to you, take time to read the PDS that should be provided to you prior to filling in an application for insurance. The PDS will go into great detail about each type of insurance and what you are covered for. Given not all insurers cover the same things, it is important you understand what your insurance is going to cover. Who should you talk to? If you are requiring a review of your personal insurances or wish to get some cover in place, then book a time with Warren Strybosch from Find Wealth Pty Ltd t/as Find Insurance. Warren has been

• Provision for upgrades: If we make changes or introduce new benefits to our products, we will pass this on to you

The business will be required to show necessary evidence to support using the safe harbour. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

50% minimum pension drawdowns extended for another 12 months

Temporary fuel excise cut and fuel tax credits Apprentice wage subsidy programs

2022 TAX

ReleasedConsultationAnnouncement(11-May-2022)Updated:Announced:DateRoyalPassed(30-Mar-2022)Introduced(30-Mar-2022)ConsultationAnnouncement(29-Mar-2022)DateRoyalPassed(30-Mar-2022)Introduced(30-Mar-2022)ConsultationAnnouncement(29-Mar-2022)Assent(31-Mar-2022)ofeffect(30-Mar-2022)Assent(31-Mar-2022)ofeffect(30-Mar-2022)22-Mar-202012-Apr-2022period(21-Jun-2022)

Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year. This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023. This measure is intended to support retirees in managing the impact of the: recent volatility in financial markets, and prevailing low interest rates on their retirement savings. 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 draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

Non-commercial losses and the Commissioner’s safe harbour Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by The50%.reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for businesses who claim fuel tax credits. All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets. Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected economic downturn due to COVID-19. The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

15AUGUST 2022 | FIND KNOX

Changes to Div 7A that practically end sub-trust arrangements

On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings. These dealings are excluded from the anti-avoidance provisions. Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing.Trustees need to make sure that their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year.

The PCG has recently been updated to relate to arrangements ending in the 2017, 2018, 2019, 2020, 2021 and 2022 income years. However, as TR 2010/3 and PS LA 2010/4 have now been withdrawn, only UPEs that arose on or before 30 June 2022 are allowed.

30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year.

Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009–10 income year. A finalised tax determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). In this instance, the provision of financial accommodation will now be assumed. In practice, this means that sub-trust arrangements will have no additional benefits either in deferral of tax or repayment of loans.

Unpaid present entitlements and extension of repayments

SEE MORE Released(13-Jul-2022)ConsultationAnnouncement(23-Feb-2022)Released(19-Jul-2017)ConsultationAnnouncement(19-Jul-2017)period(19-Jul-2017)period(29-Apr-2022)Announcement(23-Feb-2022)Consultationperiod(29-Apr-2022)Released

ATO scrutiny of s 100A family trust arrangements

The ATO is allowing an extension for unpaid present entitlements (UPE) to private companies initially under an interest-only loan on the final repayment date. The practical compliance guideline deals with UPEs that were put on commercial investment terms in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan.

TAX UPDATES

The tax determination applies to trust entitlements arising on or after 1 July 2022.

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY R EAL E STATE HOUSE OF THE MONTH AUGUST 2022

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findknox.com.au Email your Rental Listings to Find Knox each week and we will update your Listing in the online community paper for FREE. RENTALFree RealAdvertisingLISTINGforEstateAgents

We are planning to transfer the existing restaurant lease to a new tenant at Stamford Homestead. The Public Notice will be advertised until 13 September 2022, in accordance to Section 115 of the Local Government Act Stuart2020.

REALESTATE JUNE 2022 AUGUST 2022

Topics covered in this workshop include selecting and propagating appropriate warm season crops

•

Phone:gov.au 9298 8458 Post: Knox Council, Civic Centre, 511 Burwood Highway, Wantirna South 3155 Stamford Homestead could be home to a new fine-dining Italian and modern Australian restaurant.

Ryder from Little Feet Farm is hosting a workshop on summer gardening success. Reserve your tickets for the 3 September event. With summer approaching, Stuart will share how you can make the most of your garden for this season.

PlantingSeasonWarm

• watering strategies • managing healthy plants for high yield Workshop details

•

•

This event is brought to you by our Gardens for Harvest program. Become a member to receive invites to great workshops and events, get access to a monthly eNewsletter and receive a program ebooklet with tips and advice for your garden.

In the Public Notice, we are proposing some changes to the Lease Agreement, including extending the expiry date to 30 June 2035. No changes are being proposed for the annual rent amount and permitted use for the premises (e.g. boutique café, restaurant and functions).

New restaurant coming soon to Stamford

Date: Saturday 3 September 2022 Time: 10am to 12pm Location: Ferntree Gully Library, 1010 Burwood Hwy, Ferntree Gully VIC Book now

The Lease Agreement can be finalised after the Public Notice advertisement period ends. The new tenants will be able to open their new restaurant later this year. The new tenants are interested in showcasing the heritage and grandeur of Stamford. Their vision is to market Stamford as a great venue for weddings, fundraisers and community events. More information will be available in the coming months. If you have any queries about the Public Notice, please contact the Property management department: Email: propertymanagement@knox.vic.

• soil and garden preparation crop rotation summer green manuring

19AUGUST 2022 | FIND AUGUSTKNOX2022

• New viewing platform to allow stopping points to enjoy the Ferny Creek scenery

• Improved accessibility so that all can enjoy the bridge and the views

• Enhanced decking that is slipresistant for commuters

The future of waste in Knox

We want your feedback on how you use our waste services now and what is most important to you in planning for the You'vefuture. already told us that reducing our environmental impact is important and this is one of the key directions in our Council and Community Plan (2021The2031)state government also requires us to change some of our services, with targets to reduce waste and divert as much from Didlandfill.you know that Knox collects over 70,000 tonnes of waste each year through our household, hard rubbish, business, and public litter collection? We also deliver a range of education programs to help our community reduce waste and recycle correctly. We're already making some changes, with the new food and garden bin service coming in 2023. We also want to know how you feel about the new food and garden bin service and the changes to the frequency of rubbish bin collection. If you live in a large household or have specific waste needs such as children in nappies, people using incontinence aids, and households with large amounts of medical waste we want to understand what extra support and service options you may need. Register to attend a focus group to work with us to design a service that meets your needs and how we can best support you with the changes or share your feedback through our survey or come along to a pop-up session. Your ideas will help develop our waste strategy and design future waste services and education programs. Please visit our Have Your Say online survey, talk with us at a pop up session or we can mail a printed survey to you. Please call our Customer Service on 9298 8000 to arrange this.

We are excited to announce that the new shared path bridge at the Ferntree Gully Community Centre is now open to the public. The new bridge has been dubbed the treehouse bridge due to its location and raised elevation. The new bridge gives the feeling of being within the tree canopies (like a treehouse).

The treehouse bridge will provide the following benefits;

New Treehouse Bridge Open

• Widened 3m deck for safe pedestrian and cyclist use

• Improved handrail and barrier safety We will also be undertaking more planting along the Ferny Creek corridor to enhance the area and improve the views from the new viewing platform in the future and benefit the natural So,environment.ifyouare out for a walk or on your bike, why not incorporate it into your day out?

• Designed to blend the structure into the surrounding environment.

Are Not-For-Profityou in Knox Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to editor@findknox.com.au and we will place it in the paper for FREE. Knox

SUPPORT YOUR NOT-FOR-PROFITLOCAL

Westfield Knox is one of the largest shopping centres in Melbourne. Located at the foothills of the Dandenong Ranges approximately 25 kilometres east of the CBD, it is easily accessed by major arterial roads, including the Monash and Eastern Freeways. The centre currently caters to a trade area population of approximately 478,000 people, with a total accessible market of 2.2 million residents.

Knox

The centre is home to a range of Australia’s most well-known retailers including Myer, Kmart, Target and Coles. There is also a Village Roadshow cinema complex and a broad mix of retailers including over 380 specialty retailers.

Westfield Living Centres are open and trading. Visit your local centre website for the most up-to-date retailer information and opening hours as these will vary for each state and territory. Eat

Shop

23AUGUST 2022 | FIND KNOX

The first stage will include a new fresh food market on Level 1, featuring a selection of new and existing retail partners and food catering experiences alongside new supermarkets; Woolworths and ALDI. The fresh food market is expected to open in late 2022.

In addition to the retail upgrades, the centre will undergo a comprehensive internal update including new flooring and finishes throughout, as well as upgraded amenities for our customers.

The first stage will include a new fresh food market on Level 1, featuring a selection of new and existing retail partners and food catering experiences alongside new supermarkets; Woolworths and ALDI. The fresh food market is expected to open in late 2022. The second phase will include the addition of the new 2,000sqm Knox public library, an elevated retail offer spanning a diverse mix of categories, from fashion to beauty, youth and homewares and a range of new uses. These include co-working facilities and recreational spaces for our community to enjoy.

In addition to the retail upgrades, the centre will undergo a comprehensive internal update including new flooring and finishes throughout, as well as upgraded amenities for our customers.

Reimagining Knox We’re delighted to announce the commencement of the $355 million redevelopment of Westfield Knox, transforming our Living Centre into an elevated retail and lifestyle destination created for our community. Construction is now underway, with transformation to occur in stages between 2022 and 2023.

The project will showcase our responsible business strategy, including a number of sustainability initiatives which will improve the centre’s energy, water and emissions intensity. The installation of a large rooftop solar system will generate onsite renewable electricity. We’re looking forward to our customers joining us on this exciting journey, and will have more news to share including new retail announcements and details on our community spaces as works progress.

The second phase will include the addition of the new 2,000sqm Knox public library, an elevated retail offer spanning a diverse mix of categories, from fashion to beauty, youth and homewares and a range of new uses. These include co-working facilities and recreational spaces for our community to enjoy.

Centrelink Concession Cards – Are they worth having? By Warren

The threshold amounts are set each year from 1 January.

1. Extended Medicare Safety Net (EMSN) Medicare Safety Nets can help to lower your out-of-pocket medical costs for out of hospital services. If you need to see a doctor or get tests regularly, you could end up with high medical costs. Medicare Safety Nets can help to lower your out-of-pocket costs. These can include: • seeing a doctor or specialist • some tests and scans like blood tests and CT scans. When you spend over a certain amount in a calendar year, you will receive a higher amount back. Services Australia will calculate the Safety Nets each calendar year, 1 January to 31 KeepDecember.inmind, your doctor’s visit or test will still cost the same. If you’re enrolled in Medicare, you’re eligible for Medicare Safety Nets. If you’re part of a family or couple you can combine your costs by registering as a family

Thresholds Thresholdamount Who it is for What towardscountsthethreshold What benefit you'll get back

Original Medicare Safety Net (EMSN)General $2249.80 Everyone in Medicare Your out amount for the calendar year 80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

RETIREMENTStrybosch

For many retirees, one of the questions on their mind is whether they will be eligible for a Centrelink Concession Card and what will this entitle them to. We explore in this article the benefits pensioners can enjoy if they obtain the Pensioner Concession Card (PCC) compared to other Centrelink cards like the Low Income Health Care Card (LIHCC) and the Commonwealth Seniors Health Card (CSHC). National Benefits The following are the benefits provided by the abovementioned cards - PCC, LIHCC and CSHC:

(Source: serviceaustralia.gov.au)

Original Medicare Safety (OMSM)Net $495.60 Everyone in Medicare Your gap amount for the calendar year 100% of schedulethefee for out of hospital services.

RETIREMENT AUGUST 2022 Did you know? 40.0% is the new permissible interest rate (up from 4.01%) that can be charged to calculate the daily payments for outstanding acccommodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

What are the thresholds Medicare Safety Nets have thresholds. When you spend certain amounts in gap and out of pocket costs, you’ll reach the thresholds. Once you’ve reached the thresholds, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Services Australia for certain Medicare Onlyservices.verified payments count towards the threshold. Verified payments are when you pay for your health professional service in full, before you make a claim from Services Australia. If you have unverified payments, you’ll need to pay them before they count towards your threshold. Unverified payments are when you don’t pay your doctor’s fee before you claim from Services Australia. Read more about the difference between verified and unverified payments.

MedicareExtended Safety Net Concessional(EMSN)- and Family Tax Benefit Part A $717.90 cardholdersConcession and families eligible for Family Tax Benefit Part A Your out of pocket amount for the calendar year 80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

plus

How they work Medicare Safety Nets have thresholds. These are the dollar amounts you need to reach in gap and out of pocket costs to be eligible. When you’re eligible, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Service Australia for certain Medicare services. A Medicare benefit is the dollar amount Service Australia pays you when you’ve made a claim for a medical service. This is usually 85-100% of the schedule fee. A schedule fee is the dollar amount the Australian Government sets for each medical service. The MBS Online website lists the schedule fee amount. You can search the MBS by keyword or item number to find the schedule fee amount.

Gas

4. Australia Post If your client is a concession card holder, he is eligible for a MyPost account which entitles him for free stamps discounts on mail hold or mail redirection.

Water $526 Energy

of

or CSHC; (2) working less than 35 hours per week; and (3) permanent resident resident of Queensland. Benefit Type PCC LIHCC CSHC Seniors Council Rates Up to $200 Water Up to $120 Electricity $341 $341 $341 Gas $76 $76 Car Registration $170 $170 $170 Spectacles $50ii $50ii $50ii Value $957 $637 $391 Table 3:

vehicle and concession card issued after 1 July 1994. ii.

The Department of Health and Aged Care sets threshold amounts each year from 1 January.

3. Queensland In Queensland, 65 60-64 holder PCC, LIHCC QLD mainstream four cylinder Eligible pair

the seniors card eligibility includes (1)

This benefit is for doctors. Medicare will give higher pay for doctors who are treating concession card holder. So, unlike the usual practise with other patients, bulk bill is applicable to concession cardholder.

concession card benefit p.a. i. Assume

www.findknox.com.au 25AUGUST 2022 | FIND KNOX 25AUGUST 2022 | FIND KNOX

Table 2: VIC mainstream concession card benefit p.a. i. Victorian Health and Human Services Department example, $100.62 off $672 quarterly bill. ii. Victorian Health and Human Services department example, $88.54 off $580 quarterly bill (only

5. Other benefits: The following benefits are provided by the PCC yet are not provided by the LIHCC and CSHC: Hearing Services This includes hearing assistance or aids and assistive listening devices that are subsidised. TelstraPCCholders are eligible to avail home telephone discounts. State Benefits

available for charges between 1 May and 31 October). iii. 3000 postcode, includes Transport Accident Charges (TAC). You might benefit from other concessions in Victoria like nonmains water concession- PCC and LIHCC; excess electricity concessions- PCC and LIHCC if electricity bill is greater than $2,973 p.a.; and excess gas concession- PCC and LIHCC if gas bill is greater than $1,644 p.a.

or over, or

Benefit Type PCC LIHCC

Benefit

3. Bulk- Billed Doctor Visits

for one

every two years if held card at least 6 months. Assumes a cost of $100.

1. New South Wales Seniors card eligibility in this state consists of: (1) age 60 or over, (2) working 20 hours or less per week, (3) permanent resident of NSW, and (4) a holder of a green Medicare Card. CSHC $250 Up to $285 Up to 285 Up to $110 Up to $110 Drivers Licence $60 Car Registration $381 Value $1,612 $395 i. Sydney Water typical changes example for water and wastewater (stormwater mot included). ii. Based on yearly renewal fee. iii. Car between 1,155kg - 1,504kg. You might benefit from other concessions like public dental services- PCC, LIHCC and CSHC; ambulance services- PCC, LIHCC and CSHC; and medical Energy rebate- PCC and LIHCC. 2. Victoria Seniors card eligibility includes (1) age should be 60 or over; (2) working less than 35 hours per week; and (3) permanent resident of Victoria. Type PCC LIHCC CSHC Seniors Council Rates Up to $247 Water Up to $346 Electricity $402 Up to $402 Gas $177ii $177ii Car Registration $423 $153 Value $1,595 $1,078

Seniors Council Rates Up to

2. Pharmaceutical Benefits Scheme (PBS) Pharmaceutical Benefits Scheme provides benefits to both concession and non- concession card holders. Concession card holders can use the PSB to pay $6.60 for each medicine as a maximum limit while the non- concession card holders can use PSB to pay a maximum of $41.30 for medicine. If a concession card holder is able to pay $ 316.80 which is equivalent to an amount for a calendar year PBS safety net threshold, then their medicine will be free for the rest of the Foryear.your clients to know about the medicine’s PBS eligibility they could visit this site (http://www.pbs.gov.au/browse/ medicine-listing)

8. Northern Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; and (2) permanent resident of NT.

Registration

26 FIND KNOX | AUGUST 2022 www.findknox.com.au You might benefit from other concessions in Queensland from the following: (1) boat registration discounts- PCC and QLD seniors card; (2) some public dental services- all four cards; and (3) medical aids and equipment- PCC, LIHCC and QLD seniors card. 4. Western Australia Western Australia requires the following for seniors card eligibility: (1) age of 64 or over; (2) working less than 25 hours per week; and (3) permanent resident of Western Australia. Benefit Type PCC Seniors + CSHC LIHCC Seniors CSHC Council Rates Up to $750 Up to $750 Up to $100 Water Up to $600 Up to $600 Up to $100 Electricity $300 $300 Drivers license $44 $44 $22 Car Registration $240ii $240ii Dentaliii $75 $75 Spectacles $27iv $27iv Value $2,000 $1,625 $375 $249 Table 4: WA mainstream concession card benefit p.a. i. With Synergy or Horizon Power. ii. 50% discount off example from WA department of transport, a car weighing 1,650 kg. iii. Assumes cost $150 p.a. iv. $53.85 every two years. 5. South Australia South Australia requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of South Australia. Table 5: SA mainstream concession card benefit p.a. i. Must not be living with anyone with more than $3,000 p.a. income, unless a spouse or receiving a Centerlink allowance. ii. District zone one. Benefit Type PCC LIHCC CSHC Seniors Cost of living concession $217 $217 $109 Emergency services levy remission Up to $46 Up to $46 Up to $46 Water Up to $440 Up to $440 Energy Up to $234 Up to $234i Up to $234 Drivers License $24 Car Registration $129ii Value $1,090 $937 $389 You might benefit from other concessions in South Australia from the following: (1) subsidised glasses for full pensioners and contact lenses for PCC and LIHCC holders; (2) medical heating and cooling concession for PCC, LIHCC and CSHC holders; and (3) personal alert systems rebate for eligible PCC holders who are 70 yrs. Old or over.

from

Table 7: ACT mainstream concession card benefit p.a.

i. Darwin rate. ii. Up to $502.20 every two years for the individual and their registered dependents. Those who are 65 and above are entitled to

join the NT Seniors Recognition Scheme and can receive a $ 500.00. Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $326 Up to $326 Water Up to $205 Up to $205 Electricity Up to $514ii Up to $514ii Table 6: TAS mainstream concession card benefit p.a. Warren Strybosch Contact them on 1300 88 38 30 info@findretirement.com.au | www.findretirement.com.au This information is current as at August 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtainyourownindependentfinancial,legalortaxadvice.YoushouldreadtherelevantProductDisclosureStatement(PDS)beforemakinganydecisionaboutaproduct.Whileallcarehasbeentakentoensuretheinformationisaccurateandreliable,tothemaximumextentthelawpermits,AllianceWealthanditsrelatedbodiescorporate,oreachoftheirdirectors,officers,employees,contractorsoragents,willnotassumeliabilitytoanypersonforanyerrororomissioninthismaterialhowevercaused,norberesponsibleforanylossordamagesuffered,sustainedorincurredbyanypersonwhoeitherdoes,oromitstodo,anythinginrelianceontheinformationcontainedherein.

7. Australian Capital Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of ACT.

concessions in

Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $750 Fire and emergency services levy rebate $98 Utilities Up to $800 Up to $800 Drivers Licence $41 $27i Car Registration $401i $40 Spectacles $100ii $100ii Value $2,190 $927 $40

and

discounts

6. Tasmania Tasmania requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of Tasmania. Car $109 $109 Dental $105ii $105ii $70iv Value $1,329 $1,259 If TasWater client, up to $479 if not. ii. Maximum daily concession multiplied by 365. iii. $45 co-payment for subsidised general check-up. Assumes total cost of $150. iv. 70% discount, assume one pair per year, need to meet additional income assest test. might benefit from other South Australia the following: (1)will and Enduring Power of Attorney with Public trustee for PCC and TAS senior card; (2) wigs for cancer patients for PCC holder; (3) right to information request fee waiver ($41.25) for PCC and LIHCC.

i.

Spectacles

i. Pro-rated discount on five-year $204.90 licence. ii. Car 1,155 - 1,504 kg. iii. $200 subsidy every two years. You might benefit from other concessions in South Australia from the following: (1) free or reduced ambulance fees for PCC and LIHCC; and (2) green waste concession($ 50) for PCC and MyWay seniors card.

Benefit Type PCC LIHCC CSHC Seniors Concil Rates Up to $200 Garbage $46 Water Up to $800 Electricity Up to $1,200 Drivers License $33 Spectacles Up to $251i Value $2,684 $55Table 8: NT mainstream concession card benefit p.a.

You

27AUGUST 2022 | FIND KNOX PROFESSIONAL SERVICES INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 00 • Find Accountant ----------------- 26 • Financial Planning ------------- 00 • Find Insurance -------------------- 27 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 27 • Life Coach --------------------------- 00 • Signages ------------------------------ 00 • Mortgage Brokering ----------- 00 Special Tax Return Offer Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation 1300 88 38 30 $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to warren@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf. Email your artwork to editor@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email editor@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:PROFESSIONAL SERVICESPAGES

PAGES LOCAL TRADIES HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford. We provide ourselves in providing honest advice that you can rely on. 1300 88 38 30 warren@findinsurance.com.au www.findinsurance.com.au 248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367 • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover Personal Insurances Include: When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time. We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General Insurance We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: Visit Us Here When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

Height Safety

Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797. Insurance 266892118030418 300 096

Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing.

Brokers ABN:

| www.heightsafetyinsurancebrokers.com.ausales@heightsafetyinsurancebrokers.com.au Australia’s Trusted Height Safety Insurance Brokers CRAIG ANDERSON GENERAL INSURANCE

29AUGUST 2022 | FIND KNOX INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00 Email your artwork to editor@findknox.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are: PAGES LOCAL TRADIES Are you a Tradie? Need referrals? Consider joining the Find Manningham Network group. If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 editor@findknox.com.au TRADIES - FREE ADVERTISING

PAGES INDEX PROFESSIONAL SERVICES HOME & GARDEN • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00 BUSINESSES Do you provide Home and Garden services in the Manningham region? If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 editor@findknox.com.au Email your artwork to editor@findknox.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:

31AUGUST 2022 | FIND KNOX PAGES INDEX PROFESSIONAL SERVICES HEALTH & BEAUTY • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00 If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 BUSINESSESeditor@findknox.com.auDo you provide Health and Beauty services in the Manningham region? Email your artwork to editor@findknox.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:

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

33AUGUST 2022 | FIND KNOX Do you have Photos from a local sports event or even a great story you would like to share? SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au SPORTS

Knox 1300 88 38 editor@findknox.com.au30 AUGUST 2022 Services Times Public ReligiousFREENoticesADVERTISINGGroupsandChurches

35AUGUST 2022 | FIND KNOX FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au Religious Practitioner Stories & Services

AUGUST Birth,2022 Deaths &FREEMarriagesAdvertising is available related to Death Notices, Funeral Notices, Births YOURSENDMarriages.andUSNEWS!Knox 1300 88 38 editor@findknox.com.au30

37AUGUST 2022 | FIND KNOX Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au Birth, Deaths & Marriages

KNOX Support your Local Not-For-Profit Find Coffee Buy 1 Get 1 Offers Find Dining Fine, Contemporary & Bistro SupportFundRaisingYourLocalCommunity Find Travel Entertainment&FunforAllAges Great Local Deals Buy 1 Get 1 FREE Offers Up to 50% Off Find Takeaway Fine, Contemporary&Bistro Find Brunch,Brekky,LunchCafés&Bistro Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses. FREE

LOCAL COUPONS Up to 50% of generated funds goes to Not-For Profit organisation. 31 January 2021 - 31 January 2022 FIND CARD LOCAL OFFERS PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findknox.com.au/register/PleaserefertoPage55 LOCAL COUPONS OFFERS SAMPLE

TABLE OF CONTENTS BUSINESS NAME CARD NO. PAGE NO. FIND COFFEE COMING SOON FIND BREKKY, BRUNCH & LUNCH FINDFINDENTERTAINMENTTAKEAWAYFINDTRAVELFINDDINING CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO.

Part of the secret of success is to eat what you like and let the food fight it out inside.

FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830

Dining

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& Brekky,LunchBrunch The best memories are made when gathered around the table FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830

45AUGUST 2022 | FIND KNOX & Lunch SAMPLESAMPLE

Coffee COFFEE WITH A FRIEND IS AHAPPINESSCAPTURINGLIKEINCUP. FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830

SAMPLESAMPLE

Takeaway You don't need a silver fork to eat good food FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830

49AUGUST 2022 | FIND KNOX NEW OFFERS COMING SAMPLE

Entertainment Dance is the poetic baring of the soul through motion FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830

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Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

Non-Transfer

Coupons &

Any changes or updates to these ‘Terms of Use’ of the

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons.

the Find Cards and/or Find Coupons can be found here. Find Cards Policy Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer). Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered. Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

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

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

PRESENT VALID FIND CARDS

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

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www.findknox.com.au JUNE 2022