Find Knox 2022 - February Edition by Find

Knox The

FEBRUARY 2022

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WHAT’S INSIDE:

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

KNOX COUNCIL NEWS

NOT-FOR-PROFITS EVENTS & ARTICLES

FIND FAITH

FIND BIRTH, DEATHS, & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

CRAIG ANDERSON General Insurance 0418 300 096 sales@heightsafetyinsurancebrokers.com.au

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FEBRUARY SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

WARREN STRYBOSCH

GENERAL INSURANCE

CRAIG ANDERSON

FACILITATOR

WRITER

Are you our next Facilitator?

Are you our next Writer?

BOOKKEEPER

ARCHITECT

MORTGAGE BROKER

ELECTRICIAN

Are you our next Bookkeeper?

Are you our next Architect?

Are you our next Mortage Broker?

Are you our next Electrician?

FINANCE BROKER

LIFE COACH

PAINTING AND DECORATING

MARKETING

Are you our next Finance Broker?

Are you our next

Life Coach?

Painting & Decorating?

Marketer?

ELECTRICAL OPERATIONS

TRAVEL AGENT

PLUMBING

SOLICITOR

Are you our next Electrician?

Are you our next Travel Agent?

Are you our next Plumber?

Are you our next Solicitor?

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 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 Knox has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS KNOX

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.

ACKNOWLEDGEMENT 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.

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NEXT ISSUE Next Issue of the Find Fox will be published on Friday March 4, 2022. Advertising and Editorial copy closes Tueday March 8, 2022.

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FEBRUARY 2022 | FIND KNOX

About the Find Knox By Warren Strybosch

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.

UK-Australia free trade deal a step closer Maeve Bannister (Associated Press)

Australia is one step closer to a new trade agreement with the United Kingdom and farmers, business owners, investors and travellers are among the beneficiaries. Trade Minister Dan Tehan told parliament on Tuesday the free trade agreement would remove red tape and barriers to Australian exports. He said it would send a message to the world that Australia and the UK believe in the benefits of free trade and the rulesbased system.

The deal is set to remove taxes on 99 per cent of Australian exports worth $10 billion and UK imports worth $200 million.

On top of tax removals, the Australian public sector will also be able to attract contract bids from the UK.

Products include wine, seafood, grains, fruit and vegetables, honey, nuts, short and medium grain milled rice and olive oil.

The agreement will make it easier for Australian and British citizens to travel and work in each other’s countries.

It will also give Australian agricultural exporters better access to the UK market.

People aged up to 35 years will be eligible for a three-year working holiday visa, which was previously a two-year arrangement only open to people 30 years and under.

Tariffs on beef and sheep meat will be eliminated within 10 years, sugar tariffs will be removed over eight years and dairy tariffs will be removed over five years.

The free trade agreement will be examined by parliament’s treaties committee before being implemented. Mr Tehan said he hoped that would happen within the next year. FEBRUARY 2022 | FIND KNOX

FIND KNOX | FEBRUARY 2022

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Back to School By Warren Strybosch

We, at the Find Knox, would like to wish all the 2022 children, who are attending school this year, all the best in their endeavours and we hope you have a wonderful year learning and building relationships with your peers.

Our thoughts especially to those school children who must wear masks and take regular RAT’s. To those parents who must administer the RAT’s and help their children remember their masks, on top of everything else you will have to do

this year…we feel for you.

Jobless rate may drop below 4 pct soon

“It could happen very, very quickly because of the amount of effort we are putting into training Australians,” Mr Robert told ABC radio on Wednesday.

“This is the second highest taxing government, next to the Howard government, which we have seen since the Second World War.”

“This is something we very committed to because it just changes lives. We are seeing a generation of skills coming through that we haven’t seen for a long, long time.”

Dr Lowe will address the National Press Club in Sydney later on Wednesday where he will get the opportunity to explain his thinking on the outlook for interest rates.

Reserve Bank of Australia governor Philip Lowe has a similar view for the jobless rate, falling below four per cent this year and being around 3.75 per cent by the end of 2023.

The governor stuck to the line of being “patient” before lifting the cash rate from a record low 0.1 per cent in his statement following Tuesday’s first board meeting of the year.

Deputy Opposition Leader Richard Marles said low unemployment is obviously “a good thing”.

Financial markets, which are pricing in the risk of a rate hike by mid-year, had been expecting something more definite in its guidance following the recent drop in the unemployment rate and a surge in inflation pressures.

Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Scott Morrison wants to see the unemployment rate below four per cent in the second half of this year, but Employment Minister Stuart Robert says it could come sooner. As of December the jobless rate already stood at 13-year low of 4.2 per cent. The prime minister, just months out from a federal election, told the National Press Club on Tuesday an unemployment rate with a “three” in front was achievable – a level not seen in over 50 years.

“But there is still considerable underemployment in Australia today, a lot of people who are working but want to have more work,” he told Sky News. He also scoffed at the idea that the Morrison government could win the election based on its economic management “This is a government which has racked up more than a trillion dollars of debt and there is very little to show for it,” he said.

If anyone has any encouraging stories about their children’s school experience this year, please send them through to editor@findknox.com.au.

The RBA did announce the end of its multi-billion dollar bond buying program as economists had expected, which had aimed to keep market interest rates and borrowing costs low. “Ceasing purchases under the bond purchase program does not imply a near-term increase in interest rates,” Dr Lowe said.

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Free RAT for DVA and Concession Card holders but should it be free for others as well? By Warren Strybosch

FEBRUARY 2022 | FIND KNOX

Only DVA Gold and White Card holders, Health Care Card holders, and other concession card holders can obtain Free Rapid Antigen Test (RAT) kits. Chemists must prepay for the RAT kits and then on sell them to their customers. For DVA and Concession Card Holders, you can walk into a pharmacy, show your concession card, and receive up to five RATs for free which are being subsidised by Medicare. Thankfully, this option is available to concession card holders given many would struggle to come up with the required $75 needed to obtain the five tests. Whilst concession card holders are now able to obtain the RATs, many casual workers feel they should also be receiving free RAT kits. Casual workers have suggested that every person should receive at least two free kits under the Medicare system. Regardless, of who is getting them for free or not, there is still a shortage of RAT kits for Victorians. Interestingly, the Victorian Government has decided to give free RAT kits to every child attending school this year, however, it is not compulsory to take the RAT even if symptoms are presenting. It is hard to believe that every parent is going to administer these tests to their children even when there are no symptoms showing.

M ark Mfiffaffifi

Whilst some workers are struggling to get their hands on a RAT kit, there is likely to be many school families stockpiling their RAT kits for a future event e.g., when they or someone in their family needs to take one so they can get back to work. With shortages or RATs still occurring it is also likely that some school parents will see this as an opportunity to make a few quick dollars by on selling their kits to those in need. Hopefully, we will see a decline in the use of RATs as the year progresses but that does seem a long way away as we see continue to see increased hospitalisations and more and more people getting sick from Covid.

Enter now FEBRUARY 2022 | FIND KNOX

FIND KNOX | FEBRUARY 2022

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High Income Earners – Beware of One-off Income Earning Events ACCOUNTANT By Warren Strybosch

sector funds are not included as low tax contributions as these amounts don’t count towards a client’s concessional cap.

If you are a high-income earner, especially someone who is now earning close to $250,000 this financial year, you need to understand how Division 293 applies so you do not get a surprise at tax time.

Payment process After a client submits their tax return and the super funds have reported all contributions for the year, the ATO will determine if a Division 293 tax liability has arisen. The client has a choice of:

Division 293 tax is the additional 15% tax on concessional contributions for high income earners. The tax applies when a client’s combined income and nonexcessive concessional contributions for the year are greater than $250,000.

• •

One-off events can result in clients having to pay Division 293 tax when normally their annual income is well below the $250,000 threshold.

paying the tax liability personally, or having the tax deducted from their super fund (via a release authority provided by the ATO).

To make this choice, the client can complete an election form on myGov. If this election is not made within the 60day timeframe provided, the ATO will issue a release authority directly to the super fund for payment.

Division 293 income definition

Important note:

The definition of ‘income’ used for Division 293 provisions is the total of:

It is not the responsibility of the employer or the receiving super fund to deduct this additional 15% tax on concessional contributions. The onus to meet this liability is on the client.

•

• • • •

taxable income (excluding any FHSSS* released amount and any assessable super lump sum benefits where the low-rate cap applies for those under 60) amounts subject to family trust distribution tax reportable fringe benefits total net investment losses low tax contributions * First Home Super Saver Scheme

What are low tax contributions? Low tax contributions generally refer to all concessional contributions made in a year less any excess concessional contributions (as the excess amount is already picked up as part of taxable income). Concessional contributions made to defined benefit schemes (both taxed and untaxed funds) and amounts allocated from reserves to the extent that they count towards the client’s concessional cap, may also be included as low tax contributions although the contributions are modified for defined benefit interests, State higher level office holders and Commonwealth justices and judges. Transfers from foreign superannuation funds that are taxed in the receiving fund and rollovers of taxable component (untaxed element) from untaxed public

Trap - beware of one-off events Income (for Division 293 purposes) can increase suddenly in a particular financial year due to a one-off event resulting in an additional 15% tax on nonexcessive concessional contributions made in that year including concessional contributions made using the carry forward of unused cap rules. Some of the common events that can arise to dramatically increase taxable

income and therefore the requirement to pay Division 293 tax include: •

• •

Employment termination payments and leave entitlements that are added to taxable income as a result of redundancy (ie the amount over the tax free portion). The sale of an asset resulting in a capital gain. Receiving a taxable super death benefit as a non-dependent beneficiary (eg adult child). Example: Rory is 50 years of age with a salary of $200,000 p.a. In the 2021-22 year, he plans to maximise his concessional contributions and will contribute $27,500. His father Jon has an account-based pension valued at $300,000 (all taxable component) and Rory is the sole beneficiary under a binding nomination. In January 2022, Jon dies, and Rory receives the death benefit resulting in taxable income for the year of $500,000 (noting that the maximum tax rate that will apply to the $300,000 death benefit is 15% plus Medicare). As Rory’s income exceeds $250,000 for 2021-22, he will receive (possibly unexpectedly) a Division 293 tax liability notice from the ATO for $4,125 ($27,500 x 15%).

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

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

WARREN STRYBOSCH Find Group

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

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

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FEBRUARY 2022 | FIND KNOX

More face-to-face Aged Care Specialist Officer services being offered Additional aged care support will now be available at an estimated 80 locations across Australia. The face-to-face service will be provided at Services Australia Service Centres and will assist older Australians with: •

information on the different types of aged care services available

•

help to organise an aged care assessment

•

help with the appointment of a representative for My Aged Care

•

providing financial information about the various aged care services on offer

•

finding contacts to local support services

Appointments can be booked with a specialist by calling the Aged Care line – 1800 227 475. More face-to-face Aged Care Specialist Officer services being offered For Financial Planning advice related to Aged Care; the costs involved in moving into aged care facility, how this will have an impact on your age pension, and what the implications will be when considering leaving something to your children, speak to a specialist aged care financial planner. If there is not a financial planner in your area than continue to revisit this website as more financial planners will be listing soon. You can search for a specialist financial planner at https://findagedcareaccommodation.com.au/find-advisers/

Novavax to roll out from late February Alex Mitchell (Australian Associated Press)

Novavax vaccines will be rolled out from February 21, becoming the fourth type of COVID-19 jab available in Australia. Health Minister Greg Hunt said the Australian Technical Advisory Group on Immunisation had given the new COVID-19 vaccine the green light. Novavax, which will be available for those aged 18 and older, will be a twodose course with a minimum three-week gap between first and second doses. Mr Hunt said Australia would now receive its first shipment of the vaccine and the Therapeutic Goods Administration would go through a detailed batch testing process. Presuming the regulator deems it safe, it will then be rolled out. He said the protein-based vaccine expanded Australia’s COVID coverage, with 51 million doses having been purchased.

“For some who may have had contraindications or reactions with regards to other vaccines, this will provide an additional opportunity for them, as well as those who for whatever reason have not taken up the program so far,” he said. “But I do want to encourage everyone, unless there’s a contraindication, please continue to come forward and take the existing vaccines.” ATAGI says the vaccine can be taken by those who have had COVID-19, while severely immunocompromised people should take three doses. It can also be taken by pregnant and breastfeeding women. It also has noted Novavax to be “highly effective” in preventing symptomatic COVID in adults.

warned practices needed extra support. “We are under enormous pressure … GPs and their teams will carry on and get as many doses into arms as possible, but we need more help and that needs to happen right now,” president Karen Price said. “GPs are still reporting doses not arriving on time or insufficient stock being delivered. Practices are also struggling to absorb the cost of taking part in the rollout.” Dr Price, who noted practices were given an additional $10 per booster shot since late last year, called for greater assistance now given “the scale of the task has only grown”. She said additional funding could see more after-hours and weekend vaccinations.

While welcoming the news, the Royal Australian College of General Practitioners

FEBRUARY 2022 | FIND KNOX

FIND KNOX | FEBRUARY 2022

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Cyber : Increase your insurability.

GENERAL INSURANCE By Craig Anderson

Insurers will look for some key indicators when deciding to offer cover, or if declining to quote to insure your business. One question they will definitely ask is whether there have been any claims, or if there are any known circumstances which may lead to a claim. The answer gives underwriters a clear indication as to whether you are a good risk or not, and this will likely affect their willingness to insure. If you have not suffered a loss, this may still occur, so insurers will ask a lot more questions to gauge their exposure to losses due to activities you undertake, or deficiencies within the business. One area of cover where we are all exposed to risk but few of us are really prepared for is Cyber. As more than 50% of small businesses will fail within 6 months of a cyber-attack this is an area where being prepared, and insured, is of critical importance. “Cyber insurance helps safeguard your business against online risks such as

accidental data breaches, business interruption, computer hacking, ransomware, IT repair solutions, legal claims and remediating any losses suffered by your customers or clients. A cyber-attack or data breach may cost your business more than just money; it could cause damage to the reputation of your company and put your customers’ personal details at risk” (FTA Insurance). So how do you get your business to the point where an insurer will offer cover? Before any claims occur, there are things than can be done to make your business resilient, and more desirable to insure from an underwriter’s perspective. Identifying and removing weaknesses in cyber security, internal encryption and storage of files, and staff training, needs to be undertaken. The most efficient way to achieve this is to engage an IT Consultant who is ISO27001:2013 accredited to audit your whole IT system, who will find and fix the problems. (ISO 27001:2013 is the International Information Security Standard) The consultant will be able to

put in place the necessary changes, which will protect the business from preventable losses, and reputational damage. When the process is completed, you will be considered by insurers to be a good risk. However as we know from experience, there is still a good chance the insurance will be “worth its weight in gold”, in the not too distant future. For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has 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).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers 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.

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au 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.

ABN: 26689211803

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By Warren Strybosch

SME loan guarantee scheme extended The Treasurer has announced that the SME Loan Guarantee Scheme will be extended by six months. It was otherwise due to finish on 31 December 2021, ie it will now operate to 30 June 2022.

FEBRUARY 2022 | FIND KNOX

SME Loan Guarantee Scheme Extended

The scheme has been operating since 23 March 2020 and has been "rolled over" a number of times. This extension keeps the same terms and conditions as currently operate, with the exception that the Government will reduce its loan guarantee from 80% to 50%.

ATO draft effective life for e-bikes and e-scooters The ATO has issued a draft effective life proposal for e-bicycles and e-scooters. It suggests a five year effective life for bikes and two years for the scooters. Comments are due by 25 February 2022.

By Georgie Moore

(Australian Associated Press)

Scott Morrison says he empathises with the travel sector seeking to reopen Australia’s international border, but does not yet have the advice he needs to do so. The Australian Tourism Export Council said on Wednesday maintaining international border closures “was no longer a viable or sensible approach” to contain COVID-19 and was damaging the tourism, hospitality and farming sectors. The prime minister told reporters in Sydney an initial opening up to backpackers and some visa holders had been successful. “The key issue that I’ve tasked our health officials to advise me on in opening up the border to international arrivals is what impact that might have on the hospital system and the pressures that could come from additional people coming into the country at this time,” Mr Morrison said. Mr Morrison said he empathised with industry leaders such as Qantas boss Alan Joyce. “He knows my very strong commitment to getting to that point as quickly and as safely as we possibly can, so I’m looking forward to making

PM ‘optimistic’ about international travel progress on that issue,” the prime minister said. “I’m optimistic about that, but cautiously optimistic, as you’d expect me to be.” ATEC managing director Peter Shelley said Australia now had a higher COVID infection rate than the UK or US. “Given every person arriving in Australia has to be fully vaccinated and tested,

there simply is no greater health risk which would result from reopening our international borders – rather it would provide a huge relief to an already burdened and struggling tourism sector,” Mr Shelley said. “The hermit kingdom approach to protecting our borders is no longer viable and we need urgent clarity from the government on when we can welcome international visitors.”

FEBRUARY 2022 | FIND KNOX

2022 TA

Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns. The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed. For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Announced: 15-Nov-2021 Updated: 22-Nov-2021

concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021 Updated: 24-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020)

This will assist a small business in decision making by increasing transparency on how quickly they could

Passed(6-Oct-2020)

expect payment for work with a big business.Small businesses can opt out of being identified as a small

Royal Assent(14-Oct-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

Victorian windfall gains tax Royal assent has been given to the windfall gains tax (WGT), which is to be levied on rezoned land in Victoria. The WGT will apply to rezoning planning decision which will substantially increase the value of land. The WGT will not apply if a rezoning event causes a taxable value of land uplift of less than $100,000.

Announced: 2-Dec-2021

The commencement date for the WGT will be from 1 July 2023, with various deferrals and exemptions

Updated: 3-Dec-2021

available.Information relating to the interaction between the WGT and other federal income tax is yet to be released by the ATO.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of

Announcement(6-Oct-2020)

prior year income tax paid, but is only available for recent income years. The loss carry-back is available

Consultation(6-Oct-2020)

to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 Federal Budget, the ability to utilise tax losses for a refund has been extended by 12 months into the 2022–23 income year. The extension has been introduced into parliament.

Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

AX UPDATES Employee share scheme tax and regulatory changes proposed New legislation has been introduced into parliament which will remove 'cessation of employment' as a deferred taxation point on employee share schemes (ESS). Further draft regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall,

nnouncement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021)

these combined proposals for both ESS participants and businesses may change traditional structuring of

Passed

arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make

Royal Assent

ESS offers to participants in the future.

Date of effect

Intangible assets depreciation changes proposed A proposal to change legislation around intangible asset depreciation has been issued by the Treasury after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory depreciation rates.

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced Passed

If the proposal passes through the legislative process, self-assessed intangible asset depreciation will begin

Royal Assent

for assets first held on or after 1 July 2023.

Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Announcement(8-May-2021) Consultation(12-Jan-2022) Introduced

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns during the second half of 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. Grants of up to $20,000 are available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants were subsequently extended in October 2021. Businesses do not need to re-apply as payments will be automatically paid. The federal government has also announced that these payments

Announced: 22-Mar-2020 Updated: 20-Jan-2022

received will be tax free. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021.

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses. In December 2021, density restrictions in place may have meant that your client has experienced a further decline in turnover. •

These support measures include:

•

automatic payments for those also in receipt of the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that are cancelled or postponed.

•

For previous measures that were in place in South Australia, refer to our state COVID-19 page.

Announced: 26-Mar-2020 Updated: 21-Jan-2022

FEBRUARY 2022 | FIND KNOX

REALESTATE FEBRUARY 2022

REALESTATE

FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Knox each week and we will update your Listing in the online community paper for FREE.

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findknox.com.au FEBRUARY 2022 | FIND KNOX

February 2022 REALESTATE

New exercise park for seniors The recently opened seniors exercise park features specialised equipment to build fitness, core strength and balance for older users. This new park has been created In partnership with the National Ageing Research Institute (NARI), with funding support from the State Trustee. It features 16 different exercise stations, shade sails, drinking fountain, bench seating, and a rubber cushion flooring layer. NARI has done extensive research into the positive effects of sustained engagement in physical activity on both mental health and physical outcomes through a community-based program at seniors exercise parks. The outdoor equipment features multiple stations specifically designed for older people to improve their balance, strength, mobility and function and clear instructions at each station. Plus each station has a QR code that can be scanned on your phone and links to video demonstrations for on the spot instruction.

The new exercise park is available for anyone to use but we hope to encourage our senior residents to give it a try.

Early Years Occasional Care expressions of interest now open

Exercise programs will be developed and promoted later in the year. For more information, please contact our Customer Service on 9298 8000.

The pandemic, for most of us, has brought about many disruptions and challenges over the last two years. In particular, our Occasional Care and Three-Year-Old Activity Group programs – whom as you may already be aware, have been heavily impacted. We have created an expression of interest survey specifically for your feedback. Open until 18 February 2022, we encourage you to let us know your thoughts on our Occasional Care offerings. This is an opportunity for families, carers and parents to share with us their experiences - whether these services were of use, and if you’d benefit from seeing them return in 2022. To complete the survey, please visit our Have Your Say page here. For more information or any questions, you can contact Neda Moghaddas via neda. moghaddas@knox.vic.gov.au. We look forward to hearing from you.

February 2022

fronts to enhance our streetscapes, and helping businesses adapt to the ban on single use plastics requirement starting in February 2023. Many of these initiatives need the support from our business community to succeed. We are keen to understand if businesses are interested in getting involved in these initiatives to energise our retail centres.

Let’s chat about energising local retail Join us at our online feedback sessions to share your thoughts on our draft Retail Activation Strategy. We are hosting sessions for residents on 17 February, and businesses on 22 February. Our draft strategy aims to inject new life and energy into our retail centres. Proposed actions focuses on increasing foot traffic for retailers, exploring new trading opportunities for businesses, and creating exciting retail experiences for local residents and visitors.

Residents can share their thoughts on a range of initiatives, including developing community spaces in untapped areas (e.g. installing seating and fairy lights in Knoxfield alley), turning Knox into the Picnic Capital of Melbourne, and programming a calendar of events for individual villages. Businesses are also invited to have their say on the draft. Key initiatives for businesses include providing support for upgrades to building façades and shop

We hope you can come along to one of our feedback sessions, our team will be available to help you with any queries you have. Further information about the draft strategy and community consultation is available on our Have your say website. Community feedback closes on Friday 25 February 2022. Resident online feedback sessions: • 17 February, 12pm to 1pm registration • 17 February, 7pm to 8pm registration Business online feedback sessions: • 17 February, 12pm to 1pm registration • 17 February, 7pm to 8pm registration

Illustrations of various proposed initiatives in the draft strategy:

FEBRUARY 2022 | FIND KNOX

Are you Not-For-Profit 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 LOCAL

NOT-FOR-PROFIT

Knox

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. 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.

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Eat

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 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. 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. 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. FEBRUARY 2022 | FIND KNOX

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT We will look after your financial affairs so you can enjoy your retirement. WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions. Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findknox.com.au

FEBRUARY 2022 | FIND KNOX

SETTING

NEW LIFE

COORDINATES

RETIREMENT By Bernard Kelly MBA

As we transition from one age into another, that’s precisely the time when we should look back on our life, and set new coordinates to enable us to navigate our future birthdays. It doesn’t have to be something that you want to tell the neighbours about – such as becoming a gray nomad for the next twelve months, and would they keep an eye on the unit for us? – but something more personal can be equally satisfying and achievable – like deciding to find, for the next month, a different meal every evening, on YouTube. And indeed, for a novice starting to discover totally new recipes, you can’t do better than David Herbert’s divine “Classic Bolognese Sauce”. Setting new retirement co-ordinates is to start to move out of boredom, and towards fear. And obviously, the rules are (1) small steps are best and (2) don’t ask for permission.

BRAINHQ.com

If your hand includes a card that you enjoy (e.g. posting videos to YouTube), And here’s another pathway to follow you can keep it for as long as you like. – an online habit to keep your brain in pristine mental health. It’s BrainHQ.com If you were dealt some that aren’t serving This is a personal gym – for your brain. At you well, go ahead and discard them. BrainHQ you can exercise your memory, attention, brain speed, people skills, Looking to improve your life? Pick up intelligence and navigation. a new card and try it out for a while. Just as our bodies require care and Make a habit of continually mixing in exercise during our life, so do our brains. new cards with the cards you’re already So go there today! holding. RETIREMENT IS LIKE POKER

Work to find cards to discard. For example, if you establish a charity, you You’ve never played poker? Don’t may find that you won’t have time for worry - that’s irrelevant for now however Rotary. New cards frequently displace there are some fundamentals about the old cards game that could lead to a better life in retirement. So you’re holding some cards in your hand. Unlike in real-world poker, you selected some of those cards. Others, you were dealt. You hold what you hold. And it’s how you play that hand in “Retirement Poker” that can have a profound impact on your life. The goal in Retirement Poker is to continually improve your hand.

Bernard Kelly MBA writes on retirement lifestyle issues. His email is bernardkellygeelong@gmail.com

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

FEBRUARY 2022 | FIND KNOX

PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to 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.

1300 88 38 30 Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

INDEX PROFESSIONAL SERVICES • • • • • • • • • •

Architect ------------------------------ 37 Find Accountant ----------------- 36 Financial Planning ------------- 36 Find Insurance -------------------- 37 Bookkeeping ---------------------- 38 Editor|Copywriter --------------- 37 General Insurance ------------- 38 Life Coach --------------------------- 38 Signages ------------------------------ 39 Mortgage Brokering ----------- 39

TRADIES - FREE ADVERTISING 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.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email editor@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

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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.

Personal Insurances Include: • 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

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367

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 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

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• 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 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

Visit Us Here

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.

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

ABN: 26689211803

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.

FEBRUARY 2022 | FIND KNOX

PAGES

LOCAL TRADIES

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

TRADIES - FREE ADVERTISING 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.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

PAGES

LOCAL TRADIES

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au. If you wish us to create your ad, we will do this for a minimal cost. Go to www.findyarraranges.com.au/graphic-design to upload your details and we will create this for you.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email info@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

FEBRUARY 2022 | FIND KNOX

PAGES

HOME & GARDEN

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

PAGES

HEALTH & BEAUTY

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

FEBRUARY 2022 | FIND KNOX

SPORTS

editor@findknox.com.au

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport.

SPORTS

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

FEBRUARY 2022 | FIND KNOX

FEBRUARY 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Knox 1300 88 38 30 editor@findknox.com.au

Religious Practitioner Stories & Services

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

FEBRUARY 2022 | FIND KNOX

Birth, Deaths & Marriages February 2022

FREE Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! Knox

1300 88 38 30 editor@findknox.com.au

Birth, Deaths & Marriages

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au

FEBRUARY 2022 | FIND KNOX

KNOX

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Up to 50% of generated funds goes to Not-For Profit organisation.

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Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS editor@findknox.com.au 1300 88 38 30

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& Lunch

M A

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Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

FIND ADVERTISING COUPONS editor@findknox.com.au 1300 88 38 30

M A

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You don't need a silver fork to eat good food

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M A

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FEBRUARY 2022 | FIND KNOX

Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findknox.com.au 1300 88 38 30

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M A M A

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Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site. The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

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e Find Cards and/or Find Coupons can be found here.

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FEBRUARY 2022

Find Knox 2022 - February Edition

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