Find - Knox February Edition by Find

Knox The

FEBRUARY 2021

www.findknox.com.au

WHAT’S INSIDE:

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

KNOX COUNCIL NEWS

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

MarkMogato

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

GARAGE DOORS

SUSAN PIEROTTI

MORTGAGE BROKER

LACTATION CONSULTANT

REECE DROSCHER

SIGNAGES

CHANTAL DJURIC

EDITOR | WRITER

CRAIG ANDERSON

KATHY ISMAIL

NEHA NAYYAR

GENERAL INSURANCE

JOANNA STRYBOSCH

COMMERCIAL COFFEE MACHINE HIRE

NATURE & CONSERVATION

GLENN MARTIN

IVANA SMITH

LIZ SANZARO

FINANCIAL PLANNING

SOLICITOR

ELECTRICIAN

MARKETING

Are you our next Financial Planner?

Are you our next solicitor?

Are you our next electrician?

Are you our next Marketer?

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 establish in 2019 for the purpose of bringing together everyone in the community in one place. Our core focus is the support all the Not-For-Profits in the region by providing NFP’s with FREE advertise and helping them raise funds for their respective organizations. A core of business owners attend the Find Network luncheons held one a month to discuss the paper and how best to make it even better fo the local commnunity. The Find Knox has a strong editorial focus and is financed predominately by the business community.

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 Knox will be published on Friday, March 8, 2021. Advertising and Editorial copy closes Friday, March 5, 2021.

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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.

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

Do you have photos from a local event or even a great story you would like to share? SEND US YOUR NEWS! Knox

editor@findknox.com.au

FEBRUARY 2021 | FIND KNOX

FIND KNOX | FEBRUARY 2021

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MarkMogato

By Warren Strybosch

Back to School

We, at the Find Knox, would like to wish all the 2021 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. I personally want to send a heartfelt encouragement to my son, my nephew, and their friends who are in Year 12 this year. Enjoy the year and I hope you can all look back on 2021 with fondness and with no regrets.

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX Do you have photos from a local event or even a great story you would like to share?

SEND US YOUR NEWS! Knox

editor@findknox.com.au

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FEBRUARY 2021 | FIND KNOX

Your house is your home - even for those who rent By Warren Strybosch

New laws are being introduced to make sure those renting a property can feel more ‘at home’ in the place they are renting. Some of the new changes are as follows: •

No permission is required to place picture hooks on walls, to replace curtains and/or install new energy efficient globes.

•

Renters can ask for the house to be repainted, put in a veggie garden and have a security system installed. Landlords must have a good reason to be able to decline these requests.

•

All living rooms must have a working heater.

•

Laundries must have both hot and cold water, not just cold water.

Are you aware of your rights to have a pet? One new law that come into play last year was the ability for tenants to have a Pet. A landlord can say no to pets but only after receiving approval from VCAT. The Landlord can request the pet remain outside but if the tenant does not agree, the Landlord will have to apply to VCAT to order the tenant to keep the pet outdoors. This law come into effect from 2nd of March 2020.

The rights of tenants are increasing, and Landlords must comply otherwise they may have to pay compensation or be faced with a compliance order e.g., made to comply.

The Premier has announced that office-based workplaces in both the public and private sectors can return to 75 per cent capacity from Monday 8 February 2021. Record keeping requirements for workplaces will remain unchanged. Employers must keep a record of all workers and all visitors who attend the premises for more than 15 minutes. This must include their first name, contact number, date and time of visit and the areas of the workplace visited. Electronic record keeping is strongly recommended. Register here for the Victorian Government’s free QR Code Service. Changes have been made to our public transport network to make sure it is safe and clean. Download this information pack for fact sheets you can share with your workers and information for staff newsletters or your intranet. Every Victorian business must have a COVIDSafe Plan and follow the six principles of COVIDSafe workplaces. Face masks are strongly recommended whenever you cannot keep 1.5 metres distance from others. For more information on safely returning to the office, including density limits in common areas and staggering start and finish times, please go to coronavirus.vic.gov.au or call Business Victoria on 13 22 15. FEBRUARY 2021 | FIND KNOX

FEBRUARY 2021 | FIND KNOX

FIND KNOX | FEBRUARY 2021

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Should Mortgage Brokers Be Selling Insurance

By Warren Strybosch

With the introduction of Best Interest Duty and Westpac losing its appeal in the High Court last week, mortgage brokers are starting to feel the pressure from the regulator with regard to providing advice and selling products to consumers. For many of us who own property, we have, at one time or another, sought finance from either a bank or mortgage broker. The process of acquiring a loan inevitable leads to a discussion around insurances. After all, it is an easy sale for the banks or brokers given you are told you need it to secure the insurances for borrowing purposes. For many people, they assume the insurance products they have been sold by the lender or broker is adequate to meet their needs. Often this insurance is referred to as mortgage insurance and is provided under the guise of general advice. General advice means no advice was provided by the person selling the product, in most cases, by the mortgage broker. They would argue that providing a quote and getting you to fill in the application was your decision and they, the broker, had no part to play in you deciding to take up the insurances provided to you. However, times are now changing. It is going to be a very brave or very naïve mortgage broker who continues to sell insurances, especially insurances that have a life component to it and/ or provides replacement income – normally called Life Insurance and Income Protection. With the introduction on Best Interest Duty, mortgage brokers are now

required to research the product they are selling and to make sure the product and/or service they offer is appropriate to their client’s needs. Currently, most mortgage insurance and insurance sold via mortgage brokers are supplied via one particular lender and is often more expensive, with the definitions being substandard, compared to other personal insurances out there in the marketplace. So much so that ASIC and the Productivity Commission thought these products were questionable at best and did not benefit the clients as intended, with many clients cancelling their policies in the first three years, begging the question as to their appropriateness. Mortgage Brokers have argued that they do not need to be qualified or licensed to sell insurances because they were only providing ‘general advice’ compared to the financial planner who is required to have a minimum bachelor’s degree and provide a Statement of Advice if they wish to sell insurances. After all, the financial planner is providing personal advice and the broker is not. “A reasonable person in the position of each of the members called by Westpac might expect Westpac to have in fact taken into account at least one aspect of the members’ objectives, financial situation and needs,” the High Court’s statement read. As we are all aware, brokers will use our information e.g., current debt or new loan and/or gross income, when calculating how much insurances we should obtain. They will often provide the quote directly to us or guide us as to which company to use to obtain the quote. This ‘consideration’ now falls under ‘personal advice’.

If you have been sold personal insurances by a mortgage broker and believe the broker is not qualified and/or licensed to have sold you the insurances, you may be entitled to request a full refund of the premiums you have paid to date and/or make a complaint to ACFA; the external resolution board who handles complaints relating to mortgage brokers. If you have been sold insurances by a mortgage broker, then we would encourage you to seek appropriate advice from a financial planner who will be able to review your insurances and help you obtain personal insurances that is likely to be lower in cost and may provide better terms. Thankfully, there are many mortgage brokers who don’t sell personal insurances but refer this part of the business out to financial planners. We would encourage you to deal with these brokers when seeking a loan. Lastly, we have provided a comparison of those insurances sold via ‘general advice’ e.g., Directly over the phone or when provided by a mortgage broker to insurance provided by a reputable insurance company…basically, it is chalk and cheese in its comparison. This information is current as at February 2021. 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, Find Maroondah 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.

FEBRUARY 2021 | FIND KNOX

FIND KNOX | FEBRUARY 2021

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FIND KNOX | FEBRUARY 2021

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Australian Pricing Update: A Reminder By Warren Strybosch

As you may remember, we delayed the Xero price change that was due to take place in March 2020 to help you, your clients and the small business community impacted by COVID-19. This is a reminder that the price change will take effect from 1 March 2021. As a cloud company that serves small business and their advisors, it is important that we continue investing in Xero for everyone who relies on us to manage their business and access their financial information every day. From 1 March 2021, the price of Xero Starter, Standard and Premium plans will increase by $2 a month in Australia. If you use Xero Cashbook, Xero Ledger or Payroll Only, there’s no increase. This web page tells you more. If your clients pay for their Xero subscription themselves, they’ll get an email from us directly. Thanks again for partnering with us. The Xero team

Special Tax Return Offer

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 returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf. Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

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Have you purchased a motor vehicle recently, the ATO might be interested in your transaction.

ACCOUNTANT By Warren Strybosch

The ATO has released a statement stating it will start to gather information pertaining to the purchase of motor vehicles from State and Territory motor vehicle registry authorities. The periods it will start to look at are the 2020 financial year and it is likely to continue beyond 2020.

for stamp duty exemption; dealer’s licence number. The objective will be to address any noncompliance that may have occurred as follows: •

The ATO will be collecting and data matching a lot of information. Some of the information they will be collecting are as follows: •

•

identification details – names; addresses; phone numbers; date of birth for individuals; Australian business number; Australian company number for purchaser(s), seller(s), licenced dealer, fleet manager, leasing company (or representative of any of these); the registering person for an unincorporated body transaction details – date of transaction; type of transaction; sale price of the vehicle; market value of the vehicle; vehicle’s garage address; type of intended vehicle use; vehicle make; vehicle model; vehicle body type; year of manufacture; engine capacity or number of cylinders; tare weight; gross weight; vehicle identification number; registration number; transaction receipt number; state stamp duty exemption; reason

•

identify and address taxpayers buying and selling motor vehicles who may not be meeting their obligations to register and lodgereturns (including activity statements) and ensure the correct reporting of income and entitlement to both deductions and input tax credits to identify taxpayers that have purchased vehicles with values that are not commensurate with the income they have reported to determine if the use of interposed proxy ownership is used to conceal the real accumulation of wealth, therefore representing a material threat to public revenue identify and deal with those taxpayers who may not have met their obligations primarily with regards to GST, fringe benefits tax, luxury car tax, fuel schemes and income tax promote voluntary compliance and strengthen community confidence in the integrity of the taxation and superannuation systems by publicising the running of this data matching program

Already the ATO is data matching general insurance policies and now they are taking it a step further to data match the purchase and sale of motor vehicles. Many business owners will usually purchase the vehicle in the business. They will claim the GST associated with the purchase and aim to depreciate the vehicle over the coming years to increase their deductions thus minimizing the amount of tax they pay. What often happens is that when the vehicle is sold, the owners seem to forget that the proceeds need to be placed back into the busines and the GST also accounted for. Obviously, the ATO is aware of this and this might be there way of putting a stop to it. It is likely costing the ATO a lot in missed revenue. You can read more about the data matching program related to motor vehicles here.

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

FEBRUARY 2021 | FIND KNOX

FIND KNOX | FEBRUARY 2021

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Top Tips for Resolving Your Cash Flow Issues

BOOKKEEPER By Neha Nayyar

Do you find yourself spending too much time invoicing or chasing up customers for payments? Many business owners find themselves constantly worrying that they aren’t receiving payments quickly enough for services they already provided. Here are our top tips to resolving cash flow issues: 1. Invoice urgency - Sending invoices for your services immediately helps increase the chance of the invoice being paid more timely. It’s best to keep the service and invoice fresh in your clients memory and by sending them as soon as possible it expresses the urgency in which they should be paid. When you delay sending the invoice to your client you may be unintentionally giving them the impression that there’s no urgency to pay. We recommend you also use an automated invoicing system which will automatically send reminders to the clients when the invoice is overdue. 2. Making payments easy - By connecting your invoice system to a payment gateway it makes it easier for customers to pay your invoices.

Rather than manually having to type in your bsb and account numbers every time a client wants to pay you, you can connect your invoices to a payment gateway so a “pay now” button appears on the invoices and they can pay directly through the link! Allowing both debit and credit card payments will make it easier for them and help make you cashflow happy. 2. Implement deposits - This is especially important for new customers to help you determine their authenticity and whether or not they are genuine. If a customer is not willing to pay a deposit, you are risking the chance that the invoices won’t get paid. 3. Implement deposits - This is especially important for new customers to help you determine their authenticity and whether or not they are genuine. If a customer is not willing to pay a deposit, you are risking the chance that the invoices won’t get paid. 4. Automatic reminders Most automated accounting systems will allow you to enable automatic reminders. We highly recommend you set this up in your system. These reminders are especially important because number 1. They save you time from having to chase up your

clients and number 2. It helps keep the invoice fresh in the customers mind. It will also help you keep track of the status of the invoices as well as increase the opportunities for a payment to be made. We understand there are many accounting systems and payment gateways in the market and it’s about finding the right fit for you and your business. By following these 4 tips you are making payments easier for both the customer and yourself which will help keep you cash flow happy! Here at Sum and Substance we are passionate about helping businesses resolve their cash flow issues. Please contact us if you would like any assistance managing your cashflow, setting up invoice reminders or connecting your systems to payment gateways. We can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper | Sum and Subtance 0401 409 573 info@sumsubstance.com.au

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FEBRUARY 2021 | FIND KNOX

Take the journey...Love is all you need! PARENTING By Lesley-Anne Banton

Over the last 5 years I have worked with men and women who have wanted to go on the journey of self-discovery and self-development. Some have started the journey because the have some emotional pain somewhere in their life. Some have started the journey because they knew there was more inside them, they had had not yet discovered or taped into, some have taken the journey because they have felt like they do not fit in anywhere and or they are misunderstood and in fact do not fully understand themselves. There are those who have seen and experience trauma. There are those that have taken the journey because they want to enhance the life they have, expand, and enhance their thinking about themselves and the world around them. And there are those who have taken the journey because of their children wanting to be a better version of themselves for their children. All have entered the journey because of LOVE, either the absence and wanting of self-love or because of the love they have for themselves and those around them. Their intention comes from a place of love, all have been motivated by love even when there’s extreme emotional pain.

incredible, empowering self-loving journey’s I have ever taken, it has turned into an adventure. I don’t know what I am going to find, see, acknowledge, embrace or feel deep gratitude for next.

For those who have it is life changing, I am not just saying this as a coach but as a person who has taken the journey herself and is still on the journey. There are times in my journey I wanted to bail out, there are times when I have reflected on self, my thinking and events in my life that were so painful to revisit yet the lessons and the empowerment for allowing myself to go through and seek to change has been so worth it.

What I know to be true is that no matter the adventure an individual has taken and no matter how much pain or challenge they encountered they also encounter growth, change, and ultimately love, self-love. They learn to fully love all aspects of themselves, they learn to brake though old and limiting thinking, they brake old dysfunctional patterns that no longer serve them in the life they want to create for themselves. They learn that no matter what they have gone through they have gotten to this point in their lives and are succeeding (whatever that means or looks like to them). They get to see and reach the potential that was always within them and be reunited with incredible internal resources that they had forgotten they had or had lost sight of along the way. They get to be the whole loveable them that they were born to be, dropping any roles that they had picked up along the way that were never theirs to begin with. They get to find their voice, discover their boundaries, and stand in their own truth of who they are not what they think others want them to be. They discover they can create the life that they have always wanted without guild or shame and celebrate themselves for ALL of who they are and so much more.

Taking the journey of self-discovery, exploration and development is the hardest, painful, uncomfortable yet

Deciding to take the journey, challenge your thinking and what you know is open to all there is no prerequisites and it’s not

Many opt to stay safe and in the emotional place they know so very well, and that’s ok. Others believe it’s all mumbo jumbo and pointless and some the pain of self-exploration and development is so confronting and traumatising that they choose to never take the journey. And this is ok. It is a deeply personal choice and opinion to take the journey or not.

exclusive. It is simply a choice. There are so many inexpensive resources out there that can help start your journey, books, audiobooks, podcasts, social media, youtube, the internet and local libraries, anyone can start the journey and you get to choose how fast, how wide, and how deep you take your personal journey. There are coaches like me that can assist you and fast track your growth in a safe supportive manner and space, this is usually a lager and ongoing investment than buying a book or listening to a podcast. The gift in the journey is love, self-love and so much more comes from that and can be achieved from that, I have been honoured and trusted to hold many in a safe place as they gave themselves the gift of being who they were born to be. I could make comment to the gift you give others as a ripple effect of to stepping out on the journey however this is a wonderful by-product yet the love and joy you find within is even more than that. Give yourself the gift of love, take a small step on the journey, dip your toe in the water, expand the love and understanding you have for yourself. You are worth it.

Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418

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FIND KNOX | FEBRUARY 2021

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Managing Mastitis LACTATION CONSULTANT By Dr. Joanna Strybosh

Mastitis is a common inflammatory condition of the breast tissue. It is estimated that one in four breastfeeding women experience mastitis at some point in time, most commonly in their first 26 weeks postpartum. It is a condition that presents with red, tender, hot and/or swollen areas of the breast and flu like symptoms such as fever, aches and chills. It can vary in severity from mild through to a more severe condition. It is possible to develop mastitis more than once in the same lactation as well as in subsequent lactations. The most common form of mastitis is acute lactational mastitis (ALM). Sometimes there is an infectious agent most frequently staphylococcus aureus. However often there is no clear infectious pathogen involved. In these cases, the most common cause is inflammation due to milk stasis. When there is inadequate milk removal from the breast, milk builds up within a lobe of the breast causing inflammation and the characteristic intense local pain of mastitis. Acute lactational mastitis has a sudden onset of symptoms and usually runs a short course. The known risk factors for mastitis are the wearing of a tight bra, previous mastitis, no breastfeeding support, long times between feeds, hyperlactation, use of nipple shields and quick weaning. These situations lead to milk stasis and/or inadequate milk removal. In addition, nipple wounds are a risk factor for staph aureus infections. The first step in the management of ALM is to keep the breasts as empty as possible. This means breastfeeding more often and making sure that baby is properly positioned and latched for effective milk removal. If baby is unwilling or unable to feed, milk removal must be done through hand expression or use of a breast pump.

Photo Credit to Kevin Liang

Mastitis can be an extremely painful condition. Mothers need to be cared for and supported to continue breastfeeding while recovering from mastitis so as to not prematurely wean. They need lots of rest, which is vital for a quick recovery. They also need to remain well hydrated and to eat well. The use of cold compresses on the affected breast can be soothing as well as short periods of warmth on the breast just before feeding in order to help the milk flow. Practically, mums need help with their baby and any other siblings as well as help around the home, in order to allow her to have adequate rest. If symptoms do not resolve within 12 to 24 hours or if the mother is feeling very unwell she should continue with the above measures and seek medical treatment. In these cases, antibiotics will be required. After commencing antibiotic treatment usually the symptoms of fever and chills disappear within 12 hours. However the pain, redness and breast lump will take longer to resolve. If symptoms do not improve within 48 hours see your doctor again for further help. ALM can lead to a breast abscess if not managed correctly or treated adequately. During mastitis, a mother’s milk will taste more salty but it is perfectly safe for her baby to drink. Putting her baby to the breast frequently is usually the most effective way to remove milk from the breast and resolve mastitis and should always be encouraged.

Recent studies have shown that the risk of developing lactational mastitis is significantly reduced by the daily consumption of fermented foods and drinks, including kefir and boza, homemade and conventional yoghurts and pickles. Consuming a diversity of these foods was also found to be protective. In contrast, the consumption of probiotic supplements for the management of mastitis is unproven. Mastitis is a common inflammatory condition of breast characterised by local pain and redness and flu-like symptoms. Management involves the effective removal of milk by frequent breastfeeding or expressing/pumping if required. The majority of cases will resolve with this management. Antibiotic treatment may be required in some cases. See your lactation consultant for further advice.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds

Lactation Consultant www.childrensoteopathiccentre.com 9876 3011

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FEBRUARY 2021 | FIND KNOX

How to keep your house cool in summer

ARCHITECT By Kathy Ismail

Those hot summer days just keep on coming. That’s great if you’re on the beach or lazing around on the decking, but what about indoors? Is your home as cool as you would like it to be? It sounds obvious but if the sun is out, your home is getting hotter by the second. Heat comes in through the roof and walls but mainly through the windows. Apart from shutting all the curtains and living in a ‘cave’, how can you minimise the sun’s heating effect while still having a light, bright interior? There are two main way to shade your windows: with eaves and with shading. Eaves If you look out the window at the top, you will see part of the roof jutting out – these are the eaves. They are specifically designed to protect windows from heat, rain and other weather events. If designed well, they will block the sun in summer (when the sun is higher in the sky) but allow the lower rays of winter light in. A bonus is if there are deep eaves and airflow from west- to east-facing windows across the whole building as this will save you heaps on air-conditioning bills! Awnings Some residences don’t have eaves, for instance apartments and some modern houses. The good news is the huge variety of shading options to suit your home, style and budget. Why not go for attractive awnings! These are now made from a wide variety of materials

that include steel, timber, corrugated sheet metal, cement sheet and rigid polycarbonate sheeting. Lightcoloured ones will shade your home more effectively. Fixed awnings can be horizontal or angled. Retractable ones can be in place just for summer and be out of the way in the cooler months when you’ll want more light in your rooms. Fortunately, gone are the days when you had to go out in the blistering heat and lower them by hand. Now there are motorised versions available that can be lowered from indoors and some even monitor wind levels and retract when the wind strength is becoming too high! Awning will need to be cleaned and maintained regularly but they come at a moderate cost. Sail shades and umbrellas These can be bought off the shelf or custom-made to your requirements. They can be made of traditional canvas, but natural materials exposed to the weather have a greatly reduced lifespan compared to high-tech PVC, polyester and fibreglass fabrics now on the market. The new fabrics breathe better, let in light, have better visibility through them and shade better than canvas does. They come in a range of light blockout levels and can be waterproofed against rain. However, they are more fragile than other shading options and can be damaged in high winds. They can be fitted with sensors that close them automatically when bad weather arrives. Pergolas If you have the space, a ‘green’ shading is a lovely decorative way to keep your home cool. Install a pergola and cover it with deciduous vines. Not only will you

have something beautiful to look at in the summer, the vine leaves will drop in autumn, leaving you with plenty of light during winter. However, any growing plant needs maintenance so if you’re not a gardener or don’t employ one, maybe this optionsisn’t for you! The pergola can also be covered with a translucent roof that allow light to come through. Many of these translucent polycarbonate roofs are now versatile and durable. Some of them even claimed to withstand hailstorms! Which shading should I install? Besides price, you will need to factor in such considerations as the amount of space you have, the amount of visibility and permeability, the ease of operation, whether it’s mechanised and whether it can serve a double purpose (for instance, keeping out insects). Many of these can be added to an existing home. If you’re already undergoing a building project, it’s a good idea to talk to your architect as they will have some great and imaginative solutions to the heat versus light issue. There is a reason that our early European settlers style have those sweeping verandas around the house! Contact Kir Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We are always happy to answer any inquiries.

Kathy Ismail ARCHITECT KiR Architecture www.kirarchitecture.com 0422 026 962 FEBRUARY 2021 | FIND KNOX

FIND KNOX | FEBRUARY 2021

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4 Tips on Best Writing Practice ACCREDITED EDITOR By Susan Pierotti

Are you a business owner wanting to launch a new product or service in 2021? Do you need new customers to make for Covid losses? Do your regular customers even know you’re still in business? Now, more than ever, is the time for marketing yourself! Part of your marketing will be visual – websites, brochures, Facebook and Instagram images. These can convey a complex message in a simple photo; after all, a picture tells a thousand words. But you still need the words. So how do you increase your online presence and influence through written content? Here are 4 tips to improve your writing so it has impact. 1 Find your voice Did you know that everyone’s voice is unique? The sound waves that are generated when we speak are so individual that they can be used as evidence in a lawsuit. It is the same when you write. You can copy someone else’s style to a certain extent, but when you write from your soul, it sounds like you. That lets people into your mind and heart, which gives you influence. It makes your writing more powerful, giving it impact. Remember why you went into business. People buy from people they relate to, and if they know your ‘why’, they will connect with you better. It will also filter out those who possibly would not become your most ideal customers. 2 Edit, edit, edit! Hands up who never makes a typing error. Hands up those of you who are perfect spellers and have a grammatical grasp of the English language that

would daunt an Oxford professor. We are human and therefore make mistakes. However, the human brain is a marvellous organ. It can autocorrect whatever we read. Little things like writing ‘from’ instead of ‘form’ to gigantic errors can be seen with the eye but reinterpreted by our brains. Curiously, the reader’s eye will pick up those things that our brain autocorrects. It won’t be a conscious noticing, but more of a lack of concentration while reading and disengagement with what you’ve written. The last thing you want is for potential customers to stop reading what you’ve written! There is even a direct correlation between spelling mistakes and downward sales trends, so we need not only to review our own work multiple times but to let others cast an eye over it as well, preferably a trained editor. 3 Avoid clichés and jargon ‘At the end of the day, we all need to drill down to the bottom line so this company can reach for the stars.’ This says nothing and is a waste of space. When writing something, it’s tempting to copy what others have written, especially if it resonates with you. If a phrase rolls off your tongue a little too easily, try writing it a different way. ‘Whatever it takes’, ‘in the fullness of time’ – avoid clichés! Another trap is to use industry jargon. That may sound impressive to other business owners in your particular line of work, but that’s not who you’re writing for. Will your

customers be able to understand what you’ve written? Ask someone not in your workplace to cast a quick eye over what you’ve written to see if it makes sense to them. Plain English, short sentences, and in your own style is also the best way to get the best results. 4 Hire a content writer There’s no shame in hiring someone to do your content writing for you. No one can do every single task well in any one business, and the most successful business owners are ones who have learnt to delegate. Outsourcing one’s content writing is common practice nowadays and there are many copywriters and marketing specialists who can assist you with this. It is an expense worth considering as it will free up your time for more business activities that you’re good at and prefer to do. Confused about how to get good content for your business? Contact susan@creativetext.com.au for a free ¼ chat and further assistance.

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au

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FEBRUARY 2021 | FIND KNOX

Sole Traders Management Liability GENERAL INSURANCE By Craig Anderson

Often you hear sayings like “You don’t know what you don’t know” and whilst this is true, the part that is not spelled out, is that you do not know the extent of the consequences of acting without all of the facts at hand. If you are a Sole Trader, and consequently you have no incorporated entity through which you operate your business, then it is fair to say you are not a director. Taking out a policy that protects only the directors and officers of an incorporated body from liability for employment practices breaches, when this does not describe you, may lead to a failed claim and significant personal losses. Remember that once you enter into a legal contract with the insurer that it is your duty to ensure all of the information provided to them is accurate, so if you are a Sole Trader with an ABN, the insured entity is you, not your “Trading As” name. Your broker will ensure this is all correct before submission, however if you are obtaining insurance directly on-line, the computer algorithm creating your quote will not know the difference. I have seen a fair few policies made out in the wrong name, and I can assure you the insurer is not obliged to pay when the entity name is missing.

Now you know there may be a problem, the next step is looking at what policy will provide a trigger for a claim if you are a sole trader. Luckily, such a product exists, and it protects the sole trader from personal financial losses rather than offering reimbursement clauses to a company entity. Claims may range from unfair dismissal, harassment, discrimination and other wrongful employment related acts, to Employee Theft, Tax Audits and Investigations, Workplace Health and Safety Incidents, Pollution Costs, and Advancement of Costs and Emergency Defence Costs. This cover is suited to Sole Traders who fall (loosely) into the following categories:

write and roll-out the policies may help put you in a better position to eliminate the circumstances that may generate a claim in the first place. However if a claim occurs, it is then up to the insurer to take it from there. When you “Don’t know what you don’t know” then ask the people who do, like your Insurance Broker.

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).

Bookkeepers, Individual Consultants, Tradespeople, IT Consultants, Freelance Writers, Landscapers and Gardeners, Direct Retailers, and Allied Health Consultants. If your trade is not listed above, feel free to contact us and we can find out from the Insurer if your individual occupation can be accommodated. Even before you take out cover, to ensure you avoid employment related claims, it is necessary to create the correct policies and procedures and implement them properly. Hiring an HR consultant to help

Craig Anderson General Insurance Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au

0418 300 096

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Window & Wall Graphics SIGNAGES By Glenn Martin

Everything you need to make an informed decision on your next window or wall graphics project. Window and wall graphics are an innovative signage option to create dynamic and visually striking spaces. Enhance your office and retail space, create private spaces, screen sunlight, or decorate your own home. with our cutting edge printers and high quality materials, we can apply any graphic to nearly any surface, from high resolution photographs that span entire walls, to decals of your logo on the office door. Decals are an economical alternative to the traditional signwriting approach. Apply logos, lettering, images, and elements individually onto the surface of your walls and windows. Our decals can be produced in any number, size and cut into just about any shape. They are digitally printed with special inks on a vinyl or clear polyester film that can be applied to virtually any surface. Choose from gloss, matte, clear and frosted vinyl options, with permanent and non-permanent features also available. They can be waterproof and are durable. Generally, they last around 3 years if used outdoors (and if laminated). Computer cut vinyl is available in a large range of colours. This is best for adding a business name, simple one or two colour logo, phone number or web address onto a window. We use high quality vinyl, and design and cut in-house on our plotting machine. Turn your bare walls and windows into an advertising space. Wall and window graphics will change the way people experience your premises. Maximise your branding, promote new products and sales, improve workplace productivity and morale, entertain, and inform customers, or enhance your home environment. From large off-site jobs to interior office walls, we have a range of solutions to suit every space, style, and budget. Our team of experts will guide you through

Window Decals

Wall Decals

the process from initial concept, to graphic design and quality installation. We source only the best materials, industry standard printers and professional installers. Now you are no longer limited to only wallpaper or paint. Print photographs, colours, patterns, or text to instantly transform your living space. Provide your own images or work closely with our team of qualified graphic designers to create the perfect design to suit your space. Our stock libraries have thousands of highresolution photos, illustrations, fonts and backgrounds to choose from. Our cutting edge wall graphics are printed on a range of high-grade vinyl or non-PVC materials and overlaminate finishes and installed by professional applicators. Easily update and replace graphics without the time and cost of remodelling. Our team of signage consultants, designers, and installers will work closely with you to gain a full understanding of your requirements, answer questions, suggest options, meet deadlines, and make sure you are satisfied with the finished product. Whether you have a brand new space or need a reboot, our high quality graphics will have your walls singing!

High Resolution Wall Photo Print

Wall Mural

Hoarding Signage

To learn more about wall and window graphics, call or visit Signarama Mitcham to discuss your ideas and visit us on Instagram to see our latest work @ signarama_mitcham

Glenn Martin Managing Director | Signarama Signages 0411 835 668 mictham@signarama.com.au

Wall Graphics

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FEBRUARY 2021 | FIND KNOX

Loving that Summer Coffee! COMMERCIAL COFFEE MACHINE By Ivana Smith

February is a lovely time but is often the hottest time of the year. Think of lazy days by the pool, on the beach, in the backyard playing cricket. What better way to relish daylight savings than making the most of all that sunshine – lay back on the deck, watch the tennis on TV in comfort, grab some friends and go for a leisurely walk…the choices are endless! All these activities can enjoyed with a coffee in hand. Coffee is an ideal drink as the caffeine in it gives a boost to your energy levels, especially welcome when you just want to flake on the couch because of the heat. But you don’t have to reach for a cappuccino or a short black. The fact is that, for those long summer days, coffee doesn’t be served to be hot. A refreshing summer drink Coffee is just as versatile a drink when cold. Try a short black with ice blocks and no sugar. For something a little more decadent, make an amazing affogato; the Italian word means ‘drowned’, which is what happens to the ball of vanilla ice cream when fragrant hot coffee is poured over it. To spice it up a bit, why not add cinnamon on top, or almond flakes – and some amaretto or Fra Angelico liquor as well will turn it into a classy, cold, refreshing dessert. There is also the perennial favourite, the iced coffee. This also comes in a number of variations: with milk and ice, with lashings of cream, without cream but oodles of ice cream, or the lot! A newcomer on the culinary scene is the ‘cold brew’. For this, you will a coffee grinder. Grind the beans coarsely (ground too finely and the coffee tastes bitter). Put the grounds at the bottom of a large jug and add 8 times (compared to the coffee) the amount of cold filtered water. Stir and leave 12 to 24 hours. The next day, filter the brew by pouring through a finely meshed sieve. Dilute with more water, or try coconut milk for a chocolate-like flavour. You could experiment with different kinds of milk such as almond or macadamia. The concentrate will keep in your fridge for a week or so.

Now you can really be creative! Be bold and add tonic or sparkling water for a fizzy revitaliser at 3 pm. Combine cold brew with gin to transform your usual gin and tonic. Create a coffee negroni by mixing cold brew, Campari and sweet vermouth; add a garnish of orange peel for a special ‘drink de resistance’. With a jug of cold brew, you can really enliven things up for summer entertaining. Keep healthy while enjoying your drink With all that coffee, you might be concerned about possible effects on your health. For instance, coffee is a diuretic drink, which means that it is inclined to cause fluid loss by making you urinate more often. (Tea is another diuretic.) So, if you drink coffee because you’re thirsty, this is actually counterproductive! However, a number of studies have disproved the notion that coffee is dehydrating. Like most beverages and foods, moderation is the key. No more than two cups of coffee a day is fine as part of a healthy lifestyle. Compared to soft drinks, coffee is a much better bet as it has far fewer calories, and more so if you drink it without milk or sugar. How does it stack up against sports drinks? Sports drinks were designed for people doing heavy, sweat-producing activities but many people buy them

as the healthiest-looking option in the milk bar fridge. If you are drinking them but not while exercising massively, you will be consuming more sugar than perhaps you realise. Although coffee has more caffeine than sports drinks, the latter is considered more harmful as it contains more sugar than your average sweetened cup of coffee. So, the good news is, drink coffee throughout summer as a refreshing pickme-up but have fun trying all its delicious variations! Now, what better excuse to get fit – go for a long summer walk, and there could be a coffee shop at the end…! For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.

Ivana Smith Commercial Coffee Machine Xpresso Delight 0418 393 085 www.xdcoffee.com.au

FEBRUARY 2021 | FIND KNOX

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Knox Lake to be drained and destroyed

NATURE & CONSERVATION By Liz Sanzaro

60 years ago a dam was created in Knox for use in irrigation at a horticultural research facility. The dam, has over time been abandoned, has created its own wetland naturally restoring a wealth of native plants and bird life. But now in a land grab Development Victoria wants to “develop” the land for over 400 houses, some of which will be for social housing. Meantime in neighbouring Maroondah there is a highrise in Larissa Avenue opposite Ringwood lake that is social housing, with a mixture of 1, 2 and 3 bedroom residences, within 80 apartments, which have been completely vacant due to being uninhabitable from mould infestation. If public housing is needed so badly why is this problem not being rectified as a matter of urgency and why is Development Victoria being so forceful in destroying a precious wetland, a place for nature to thrive. • Community outrage is on the boil, after three years of trying to protect the lake. • The lake which is fenced off and protected makes it critical habitat for the Blue-billed Duck, a species listed as Endangered under state legislation due to loss of deep freshwater marshes and lakes. • The development plans to move the

•

earth, filling in a substantial portion of the lake in effect leaving only 7% of what is there currently. It seeks to replace this vital asset with a relatively conventional complex of stormwater ponds. NOT the same habitat The fight for Lake Knox has gained traction in the community with over 13,000 people signing an online petition. Find it here - https://www. change.org/p/save-lake-knox-frombeing-bulldozed. As part of this process, Development Victoria attempted to force participants to sign confidentiality agreements to prevent them from speaking out, which was strongly rejected by the community. See more here - https://www.theage.com.au/ national/victoria/wewill-88not-begagged-locals-speak-up-over-lossof-lake-knox-20191205-p53hbq.html Development Victoria, invited community groups to partake in community consultations. Despite this, in goodwill, community groups sought to engage with Development Victoria to seek the best outcomes for Lake Knox. Yet participants discovered recently that they were to be consulted on very specific and benign matters such as street names and signage.

SO FAR the following groups have provided support for maintaining the lake as it exists.

Knox Environment Society Friends of Lake Knox Animal Justice Environment Victoria Croydon Conservation Society Jane Goodall Institute Yarra Keepers PETA Port Phillip Eco Centre Australian Wildlife protection Australian Animal protection Society A well respected wetland ecologist has performed a review of the Development Victoria stormwater and ecological reports. Professor Paul Boon’s report can be found here: http://t.ly/ ProfessorPaulBoonReport With Climate change being finally acknowledged is it not yet obvious that places of significance must be left for nature in and among suburbia? With the increase in Urbanisation of Greater Melbourne area we should protect all valuable habitat open spaces such as the lake area to provide both a sanctuary for flora and fauna as well as an area for the public to enjoy outside their restrictive smaller dwellings that meet the expected population increase.

Liz Sanzaro President of Croydon Conservation Society www.croydonconservation.org.au liz@sanzaro.com

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FEBRUARY 2021 | FIND KNOX

Savings to be made through energy planning By Paul Osborne (Australian Associated Press)

The growth in renewable power generation has pushed down power bills, but a new report warns of higher prices if the coal plant switch-off is not properly managed. The Energy Security Board on Tuesday released a major report into the health of the national electricity market. It said without a smooth transition from Australia’s reliance on coal-fired power to renewables, power prices could be pushed higher. “Properly considered investments in generation and networks should improve overall affordability, but inappropriate investment will not,” the report said. The shift to wind and solar also needs careful management to ensure the electricity system can consistently meet required settings in terms of frequency and voltage.

Wind and solar are non-synchronous and do not have the same technical characteristics as thermal and hydro power generation. As well, Australia needed to consider how to balance cutting emissions and ensuring reliable electricity. By the end of 2020, emissions in the national electricity market will be 25 per cent below 2005 levels and by 2030 this reduction is expected to be well over 50 per cent, the report said. There have been concerns about the closure of NSW’s Liddell plant in 2023-24 putting reliability at risk, but the report notes the upgrade to the QueenslandNSW transmission interconnector is progressing well and local new renewable generation of around 900MW is under way. Minister for Energy and Emissions Reduction Angus Taylor said the post2025 work was important in keeping the lights on and costs down.

“The national electricity market is at a turning point, with expanding choices, new technologies and large-scale replacement of thermal generation needed as older power stations leave the market,” Mr Taylor said. “Taking action now is critical and will minimise disruptions, and avoid unintended consequences.” ESB chair Dr Kerry Schott said there were repercussions from rapid changes in the electricity system, such as the massive popularity of rooftop solar. “We’re moving in the right direction, but major changes are needed to unlock value to customers and ensure capital investments are made in an efficient and timely manner to deliver the affordable, reliable and secure electricity consumers need,” she said.

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2020 TA Temporary Full Expensing of Depreciation Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset

Announcement (6-Oct-2020)

write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any

Consultation (6-Oct-2020)

value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Since the legislation has been enacted, further amendments will be made to the laws to allow businesses a choice in using full

Intoduced (7-Oct-2020) Passed (9-Oct-2020) Royal Assent (14-Oct-2020 Date of effect (6-Oct-2020)

expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. Also, certain large entities will have separate eligibility criteria.

Accelerated Depreciation via Backing Business Investment Businesses with less than $500 million in aggregated turnover can accelerate depreciation deductions for new assets in the 2019-20 and 2020-21 income years. Accelerated depreciation rules for these entities have subsequently been superseded by new ‘temporary full expensing’ legislation in November 2020. However, the option to use accelerated depreciation continues. Accelerated depreciation is available for assets in the first year the asset would ordinarily claim a deduction. In the first year a deduction is allowable for 50% of the installed cost of the asset plus regular depreciation rates for the remainder. The Backing Business Investment measures are in concert with the extension of the instant asset write-off.

Announced: 11-Mar-2020 Updated: 7-Dec-2020

However, it may only be relevant for some clients until 6 October 2020, when the full expensing regime commenced. Small businesses using pooling can use a 57.5% write-off for assets purchased after 12 March 2020 that do not qualify for immediate write-off in the 2019-20 income year. Small business entities are also covered by the new full expensing legislation.

Instant Asset Write-off - COVID-19 Tax Stimulus Package The instant asset write-off will be available for the majority of businesses during some part of the 201920 and 2020-21 income years. For purchases between 12 March 2020 and 6 October 2020, businesses under $500 million in turnover can get an immediate tax deduction for assets costing less than $150,000. In the purchasing time frame, the asset needs to be first used or installed ready for use by 30 June 2021. In the legislation, the update also extends to the low value pool for the 2019-20 income year. An entity with a small business pool balance of less than $150,000 will be able to write off the entire balance (up

Announced: 11-Mar-2020

from $30,000). For the 2020/21 income year, general small business depreciation pools may be written

Updated: 7-Dec-2020

off in full in accordance with the full expensing rules. The government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgment of the tax return. Subsequent legislation introduced into parliament will allow businesses an option of using the instant asset write-offs or to depreciate new assets over their effective life.

Payment Times Reporting Scheme The Payment times reporting scheme is commencing 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large business. In the publicly available report, information about how quickly a big business pays a small business for goods and services is delivered. This can provide a small business a snapshot regarding how quickly they

Announcement (10-Oct-2020) Intoduced (13-May-2020) Passed (6-Oct-2020)

could expect payment for work with a big business, which may help decision making. Small businesses

Royal Assent (14-Oct-2020

also will have the option of opting out from the reporting scheme. This will mean that their identify as a

Date of effect (1-Jan-2021)

small business will remain unknown to a big business throughout the relationship.

AX UPDATES Corporate Residency Test to Change for Foreign Companies A ‘significant economic connection to Australia’ test is a rule proposed to be added to Australian tax residency for foreign incorporated companies. Announced in the 2020 federal budget, this measure draws on a key recommendation of a Board of Taxation report into corporate residency. The new test will be applied to foreign incorporated companies prior to determining the central management and

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced Passed

control test. As part of the announcement, foreign incorporated companies will be required to pass

Royal Assent

both tests to have their worldwide income taxed in Australia.

Date of effect

Small Business Entity Threshold to Increase Many more businesses will be eligible to access income tax concessions with the passing of legislation which extends thresholds currently reserved for small businesses. These concessions include: •

immediate deduction of certain start-up and prepaid expenses

•

exemption from FBT for car parking and work-related portable devices provided to employees

•

access to simplified trading stock rules

•

access to PAYG instalments based on GDP-adjusted notional tax

•

settle excise and excise-equivalent customs duties monthly, and

•

businesses will have a two-year amendment period to apply to income tax assessments for income

Passed (9-Oct-2020)

years starting from 1 July 2021, excluding entities that have significant international tax dealings or

Royal Assent (14-Oct-2020)

particularly complex affairs.

Date of effect

Announcement (6-Oct-2020) Consultation Introduced (7-Oct-2020)

A business will be eligible to access these concessions if their aggregated turnover is less than $50 million. Mostly, the change in aggregated turnover threshold will take place from 1 July 2021, with different dates to line up with the FBT year. Also, the eligible entity can access the simplified accounting method determination for GST purposes from 1 July 2021.

WA COVID-19 Stimulus Package A range of stimulus measures are being implemented in Western Australia to assist business with cash flow issues resulting from COVID-19. In particular, certain businesses in WA will receive grants, while others will be allowed a waiver of payroll tax for four months. A payroll tax exemption has been extended for new apprentices and trainees in the 2020-21 income year. Also, the future uplift of payroll tax thresholds

Announcement: 17-Mar-2020 Updated: 23-Dec-2020

will be brought forward to assist some businesses with their future obligations.

ACT COVID-19 Stimulus Package Starting in March 2020, the ACT government has announced a series of measures which provide waivers or deferrals of payroll tax. These waivers and deferrals are an attempt to combat the economic fallout from the COVID-19 pandemic. Waivers of ACT payroll tax are available for businesses in hospitality, creative arts and entertainment industries. Deferrals are available for other small and medium-sized

Announcement: 22-Mar-2020 Updated: 23-Dec-2020

businesses. Initially lasting 6 months, some of these assistance measures have been extended into 2021.

FBT Exemption for Retraining and Reskilling Proposed An employer may receive a future exemption from fringe benefits tax when providing employees with retraining or reskilling opportunities. This 2020 federal budget announcement will take affect from 2 October 2020, subject to the passing of legislation. The government has also released a consultation

Announcement (6-Oct-2020) Consultation (22-Jan-2021) Introduced

paper with respect to possible changes to the self-education deduction section for individual taxpayers.

Passed

These measures may provide a tax incentive for employees to change careers, in particular if they are

Royal Assent

about to be made redundant.

Date of effect

FEBRUARY 2021 | FIND KNOX

FEBRUARY REALESTATE2021

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Warren Strybosch 1300 88 38 30 editor@findnetwork.com.au

February 2021

REAL ESTATE AGENT

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We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Knox. For listing enquiries call 1300 88 38 30 or email editor@findknox.com.au

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FEBRUARY 2021 REALESTATE

COVID Outdoor Dining Permits We’ve created free, fast-tracked COVID Outdoor Dining Permits to make it as easy as possible for existing food premises registered with Council to provide outdoor dining options safely on public land. Our temporary COVID Outdoor Dining Permits allow hospitality venues to: • • •

expand onto footpaths take over on-street car parking space immediately outside their business join with neighbouring hospitality businesses to take over sections of on-street car parking, footpaths and (in some cases) street space

Extending outdoor dining will help hospitality businesses cater to more customers and operate within Victorian Government health restrictions.

Apply Online You will need the following to support your application: • •

•

• •

Confirmation that your business has a COVIDSafe Plan Copy of your Public Liability Insurance Certificate of currency for $20 million and must list Knox City Council as an interested party from your insurance company Details about the furniture, screens, heaters, planters and any other items proposed for the outdoor trading area Site plan (existing conditions and proposed outdoor trading area showing the proposed furniture, infrastructure or any other items, at a scale of 1:100 and/or showing the dimensions of the space of outdoor dining being proposed in your application) Written consent from neighbouring business that are affected by your proposal Any photos or images of site or supporting documents for your application

Note: If you are wanting to provide outdoor dining on private land (such as a car park within your certificate of title), you will not require a COVID Outdoor Dining Permit and you may not require planning permit approval from Council.

Note: If you plan to serve alcohol in new or expanded outdoor areas, either on public or private land, you will need to apply for a liquor licence separately through the Victorian Commission for Gambling and Liquor Regulation (VCGLR). If your outdoor dining is on public land, you will need a COVID Outdoor Dining Permit from Council before you can apply for your liquor licence. Eligibility Eligibility will be assessed against the COVID Outdoor Dining Guidelines. You will need to consider: • Safety: outdoor dining areas should have furniture, infrastructure and safety features, as well as allow clear lines of sight through the public place and streets. • Site specific conditions: outdoor dining should not compromise existing street uses or public infrastructure such as bins, hydrants, parking meters or bicycle hoops. • COVID restrictions: outdoor dining areas must follow the Victorian Government rules about social distancing, COVID hygiene practices and the maximum number of patrons that can be seated at a time.

You will need a COVIDSafe Plan Access: outdoor dining should not obstruct required access for essential vehicles, cyclists, pedestrians and allow for disabled access. Traffic: outdoor dining should consider surrounding traffic conditions including speed limits, separation from traffic, intersections, visibility of signs and that drivers and cyclist have a clear sight at all times. This permit only applies to Outdoor Dining on Council land and is not for activities occurring on private land. Permits will be valid until 31 August 2021. Permit conditions are temporary and may be subject to early variation due to safety, changes to COVID restrictions and conditional on continued consent from other affected businesses. Council may refuse or terminate a permit if a business has unaddressed compliance issues. For assistance Our Community Laws team can give you advice about how to apply for a COVID Outdoor Dining Permit and help you apply with all the right information. Please email CommunityLaws@knox.vic. gov.au or call 9298 8000 to discuss your plan.

FEBRUARY 2021

Australia Day Awards Recognise Inspiring Knox Locals Knox City Council has recognised five inspiring local residents with Knox Local Australia Day Awards, as part of its annual Australia Day proceedings. The winners were selected from an outstanding field of nominees, each representing members of the community who have gone above and beyond in serving the city and their fellow citizens. The 2021 Knox Local Australia Day Awards winners are: • Citizen of the Year: Christine Ellis • Young Citizen of the Year: Aimee Bugeja • Elder Citizen of the Year: Christel Huwald • Volunteer of the Year: Manoj Varsani • Local Hero: Eve John The award winners and nominees were recognised for the generosity, passion, courage and sense of justice they demonstrate through their everyday lives, and the significant contribution they have made to the local community. Knox City Council Mayor, Councillor Lisa Cooper said that there are many high achievers, local heroes and unsung volunteers who work tirelessly for the Knox community and that Australia Day is an opportunity to congratulate the everyday heroes in our midst. “The Award recipients have embodied true Australian values of mateship, courage, compassion, justice and perseverance,” said Cr Cooper.

Cr Cooper also said that Australia Day is an important day to reflect on the story of Australia and acknowledge the past – in particular the Aboriginal and Torres Strait Islander peoples and cultures that have lived on these lands for many thousands of years, and continue to be a thriving and growing part of the Knox community today. “In Knox, we have a community that reflects the diverse and modern face of Australia. We come from every corner of the earth and every conceivable background. Around 20 per cent of Knox’s residents are from non-English speaking backgrounds”.

“Regardless of our backgrounds, we are all privileged to be Australian and to share this wonderful country,” said Cr Cooper. This year celebrations took place virtually, with videos of the award recipients being shared publically through Knox’s social media channels.

More Knox News

Funding win for Basketball Transformation

Cr Lisa Cooper elected Mayor of Knox

Wheelie Bin Services

FEBRUARY 2021 | 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 Sunday Sessions in Ozone Park Sunday Sessions are calling It’s time to forget about Monday - and start enjoying Sunday. This summer we’re excited to bring to you Sunday Sessions within Ozone Park. Each week you will be treated to live acoustic tunes under the sun while you enjoy a takeaway meal or delicious cocktail from the Lyrebird Bar. What: Live Acoustic Performances When: Sunday 10th Jan - Sunday 28th February Time: 1PM - 4PM *Upcoming events are subject to change

February Community Space Activation Schedule Wesfield Knox Community Space Find out what’s on in our community space this month! From free craft activities, chess lessons, games and more there is something for everyone to enjoy in this inclusive space. What: Activities When: Tuesday 2nd Feb - Friday 5th February Time: 1PM - 4PM

Pandora: Lunar New Year Pandora, Level 2

Wishing you good fortune in the Year of the Ox. Celebrate the Lunar New Year with jewellery that symbolises good luck and fortune from Pandora. Visit us in store or online at pandora.net

Typo: Valentine’s Day Pandora, Level 2

Hey Lover, whether it’s your partner or fur baby, don’t forget to tell your loved one how much they mean to you (especially) this year. OH and practice a little self-love too, you deserve it!

Knox

14,175 messages of thanks shared on our Walls Of Gratitude This year has been a challenging one for many in our community - but where there is hardship, there is always generosity, kindness and resilience. Throughout November, our communities shared over 14,175 stories of thanks on our Walls of Gratitude across Westfield centres. For every message, Westfield donated $1 to Lifeline Australia, rounding it up to $14,500. Another great way for all of us to continue recognising those who give back to our communities day in and day out, is to jump on board when nominations for Westfield Local Heroes open in February, 2021. Westfield Local Heroes is a community recognition and awards program that discovers and celebrates those who have a positive impact on their local community or environment. Westfield Local Heroes are nominated by their communities, and the outcome of a community vote determines the three successful 2021 finalists for every Westfield centre. Each of their affiliated organisations are awarded a $10,000 grant so their work can continue to thrive. In total, Westfield will be awarding 126 grants across Australia and New Zealand – totalling $1.26 million. Keep and eye out and visit www.westfield.com.au/local-heroes for more information.

FEBRUARY 2021 | 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@retirement.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.

findknox.com.au

FEBRUARY 2021 | FIND KNOX

TEACH THE GRANDKIDS TO RIDE UNI-CYCLES

RETIREMENT By Bernard Kelly

Relationships keep us alive – which is why mental health has become a watchword for seniors, retirees and for that new cohort of “modern elders”. For most of us, those 25-30 years of retirement will ultimately whittle down our relationships and funnel them into clusters of the immediate family, the grandkids, and an ever changing collage of new friends. As we advance into our retirement years, the interests that we shared with our work colleagues will diverge, and we’ll gradually lose touch. This is natural, and it’s then that we reach out in new directions, which results in finding new friends. We’ll all lose friends along the way, but establishing and maintaining new relationships as we age is often simply just a matter of participation. IMMEDIATE FAMILY One cluster that we’ll always be in touch with is our brothers and sisters, nieces and nephews.

And an annual family reunion, somewhat remote and requiring an effort to get there, will maintain those bonds. It’s simple to organize. Don’t bother with early commitments - just tell them that you’ll be there, and invite them to join you. GRANDKIDS Grandkids are somewhat different, as the goal for your relationship with them is to be remembered. One quirky approach is to imprint on their minds something very different about yourself. Such as when you have a meal with them, you could always say something like “this is the best Sunday lunch I’ve had all week”. Their parents will roll their eyes, but the kids will remember you fondly for decades. Or you could teach them to ride a unicycle. You’ll probably need three – one for yourself and two for the grandkids. They’re really quite inexpensive when you buy them secondhand online. Then you’ll only need an event to prepare

for – such as your local street parade. The memories that they’ll have will be along the lines “when we were young, granny taught us to ride unicycles for the parade”. NEIGHBOURS To meet your neighbours, pretend that you’ve recently moved into the street. Then simply invite them into your home to meet together once a month for a meal. Just print 37 simple invitations off your computer, then deliver them into letterboxes nearby. A handful will be intrigued and turn up. And they’re the vibrant personalities that you’re looking to meet. Bingo! •

What retirement issues do you have? Email me and I’ll try to assist.

Bernard Kelly Bernard Kelly is the author of “Towards Successful Aging”. bernardkellygeelong@gmail.com

FEBRUARY 2021 | FIND KNOX

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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 returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return.

1300 88 38 30

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.

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

INDEX

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

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PROFESSIONAL SERVICES

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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.

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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 2021 | FIND KNOX

Signarama Mitcham Signarama Mitcham your one sign shop. Using the latest signages technology and highest quality products, Glenn and team at Signarama Mitcham produce eye catching, quality custom signs. We can design, produce and install the perfect signs to advertise your product, or to inform your customer, while enchancing the image of your company. If you can think it, we can make it.

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We offer contact-free installation! Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime. Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

Get in touch today. 03 9874 0543

We are open and here to support your business. Signarama Mitcham

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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

We are available for Emergency Repairs 24/7

PROFESSIONAL SERVICES • Garage Doors ---------------------- 58 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

in Melbourne and Surrounding Areas

A Garage Door Specialist you can Trust Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call. • • •

Roller garage doors Security garage doors Electric garage doors

• • •

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Trustworthy 24/7 Garage Door Installation We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure. Not only that, but we are available 24 hours a day, 7 days a week. Contact us with you garage door emergencies at any time of the day or night.

CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED

FEBRUARY 2021 | FIND KNOX

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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

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

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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 ----------- 49 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist. Contact Us

Areas of Clinical Focus • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly and Torticollis • Tummy Time, Rolling and Crawling • Walking, Limping and Balancing • Sleep Challenges • Dental and Orofacial Myology • Breathing Retraining

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc Grad Dip Paeds Lactation Consultant (IBCLC)

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women

FEBRUARY 2021 | FIND KNOX

SPORTS

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 a 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 2021 | FIND KNOX

KNOX

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FEBRUARY 2021 | FIND KNOX

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February 2021