Find Knox - January Edition by Find

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JANUARY 2021

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LOCAL STORIES

COLUMNIST ARTICLES

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KNOX COUNCIL NEWS

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

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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 JOURNALIST

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GLENN MARTIN

IVANA SMITH

SARAH ZEMIRAH

FINANCIAL PLANNING

SOLICITOR

ELECTRICIAN

MARKETING

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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 NFPâ&#x20AC;&#x2122;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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Boarders close as cases increase. Not the 2021 start we were all hoping for. By Warren Strybosch

We were all hoping for a COVID free 2021 but that hope seems to have been dashed by the arrival of a handful of international travellers who were carriers before entering the country. New South Wales was the first to be impacted and this does not look to be slowing down. Now, Victoria has new cases of COVID, likely from those travelling from NSW. As cases have started to increase, boarders have started to close down. Holidays have been thrown into disarray and people are now concerned once again about the year ahead and how this will impact their future livelihoods.

Whilst we will continue to provide relevant information about the current events, we will endeavour to ‘Find’ some good in the everyday things with the hope of encouraging you through these stressful times. We are here to help you and everyone in our local community; whether it be via our fundraising initiatives, through the upand-coming Not-For-Profit events that will be advertised here for free, via our Find Network events, or simply by providing local relevant content about our local community. From all of us at Find, we wish you the best for 2021.

Renewed Call for JobSeeker Increase By Robyn Wuth (Australian Associated Press)

Welfare groups are calling for a permanent increase in JobSeeker payments to bring people above the poverty line as the federal government moves to reduce COVID-19 benefits. The Morrison government plans to lower the JobSeeker unemployment supplement by $100 a fortnight from Friday, January 1, and the JobKeeper payment by $200 on Monday. The new rates will be $150 a fortnight for Jobseeker and $1000 for JobKeeper and are effective until the end of March. The Australian Council of Social Service says the move will see vulnerable people trying to get by on $50 a day. The agency has called for a permanent increase of JobSeeker to $65 a day to bring people above the poverty line. “As 2021 begins and everyone tries to put 2020 behind them, people without paid work will be trying to get by on just $50 a day, which simply isn’t enough to cover housing, food, transport and bills,” ACOSS CEO Cassandra Goldie said. “The number of people on JobSeeker doubled to 1.5 million during the pandemic and is expected to rise still more when JobKeeper ends in March.”

JobSeeker is scheduled to revert to its pre-coronavirus rate of an “unliveable” $40 a day, and the Youth Allowance will be $33 a day, Dr Goldie said. “People and the economy need security to be able to rebuild – virtually every dollar of the coronavirus supplement goes straight back into the local economy, helping to keep other people in employment.” The federal government has always said the increased payments were a temporary measure which began in March during the nationwide lockdown. They have been extended in staggered reductions.

Federal Labor warned it is too early to reduce the payment. “We are not out of the woods yet with this pandemic and the economic effects, they (are) reverberating around the economy, especially in regional towns and suburbs where there is a lot of casual workers who have borne the biggest brunt,” Labor’s Bill Shorten told Nine’s Today Show on Tuesday. “For the less well off, we shouldn’t be cutting their circumstances at this point in time.” “The government should reconsider it.”

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Are your tax affairs in order? ACCOUNTANT By Warren Strybosch

A new year, a new beginning. Let this year be the year to get your tax affairs in order. Currently, I am on holidays after a very busy 2020. I am sitting in the common room of the caravan park trying to decide what to write for my first article in 2021. To be honest, I am finding it hard to get focussed – I would rather be in the sunshine or having a swim in the river. Rather than providing some informative accounting information, I thought I would simply reflect on 2020 and provide some thoughts regarding tax in general. 1. I am still finding some business clients are using their personal accounts for business use. It is important to set up a business account and obtain a business credit card and to separate your personal expenses from your business expenses. Even if you are a sole trader this is still relevant. Keep your business transactions separate helps you to understand how your business is going. 2. When choosing a business name, make sure you check the domain name is available, that the name can be registered with ASIC and that there are no similar trademarks in place. You don’t want to set everything up to find a letter from a trademark attorney asking you to change/close down your business.

3. Make sure you put aside funds to cover your BAS and PAYG obligations. Don’t get caught out and start building up a debt with the ATO. This will impact your ability to borrow funds in the future. Lenders won’t to know you are meeting all of your responsibilities. 4. Ask your accountant if you have any outstanding returns that need completely. It amazes me how many times I take on a new client to discover they have outstanding tax returns from previous years. 5. Consider using appropriate bookkeeping software. Even if you just starting a new business, I would encourage you to start using bookkeeping software straight away. I tent to find that those clients who use appropriate bookkeeping software tend to grow their business faster than those who do not.

do the work or wait for the work to come in. I believe you need to be asking yourself where the next client is going to come from regardless how busy you are. 7. Having a vision and a succession plan is also very important but I won’t cover those hear as these topics are beyond the scope of today. Don’t just do the work but work on the business. Feel free to call me if you wish to discuss your business with someone. I don’t charge my clients to have a chat about their business. I wish you all the best for 2021.

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

6. Spend time thinking about your business and where the next client is going to come from. Don’t just

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4 Tips On Writing Web Pages ACCREDITED EDITOR By Susan Pierotti

A website is almost an essential for all businesses nowadays. Even if it is just one landing page, it somehow legitimises your business when people are searching for the service or product you offer. There are many components on a website that convert seekers into customers. The first thing people notice is how what it looks like. Think of your website design as a shop window that persuades potential buyers walking down the street to stop and investigate what you have to offer. However, what triggers people to buy from you website is the content – what you have written on it. Have you heard the saying: ‘Content is King’? It’s true. When I started my business many years ago, I was told I’d need a website. I found a web designer who captured the essence of what I was doing, I hired a web developer to set it up, I learned about SEO and so on. However, the site wasn’t ready to launch until I wrote the content. Being a newbie, I wrote what I thought was really engaging stuff – full of facts, interesting tips, proving why I was the go-to person in my industry. I wish I could tell you that hordes of people found my site so irresistible that I was flooded with work offers. I waited as the weeks and months went by, wondering why no one clicked on. My content was interesting (well, I thought so…!) – but it was irrelevant! A good friend told me how to organise my content better. Here are his 4 tips:

1 Interrupt People trawl through the internet, looking at up to ten or more sites a minute. Sometimes they are on the hunt for something specific, others are just getting ideas. Your content needs to interrupt their train of thinking with something unexpected, eye-catching, even startling.

Here is a trap that many businesses, especially new ones, fall into. They promote themselves. They explain every process they offer, they describe every widget they sell. Amazingly, potential customers don’t want to know that yet. They all have one question, and one question only, in mind: Can this business solve my problem?

For instance, when I wrote the content for my Book Editing page, I could have devised a title focused on price packages, content or customer service. Instead I headed it: Making your book readable, marketable and sellable.

You’ve heard of ‘features, not benefits’? Now you need to show the features of your service will benefit them. You don’t need to go into masses of details – you don’t need to convince yourself! Again, just put yourselves in their shoes.

That revealed a ‘wow’ factor about books that most authors don’t think about when looking for an editor, but which taps into the fear of their book possibly being a failure.

For instance, if you have water pouring from a gap in your ceiling, you don’t want to know the latest spanner that the plumber owns. You want to know that they are available now, how long it will take them to do the job and what they can do to prevent it happening again.

2 Engage Here’s where you need to hook the reader. Forget the facts – tap into their emotions. Most of us don’t know who looks at our websites, so how do we know what people are feeling when they check us out? Simple – put yourself in their shoes. If you are a business owner wanting a newsletter, what problems do you think you would like someone else to solve? It’s usually time, expertise and money. That’s why I wrote the following: Make it easier for your customers to choose you! 3 Educate So your reader, and hopefully by now your prospective customer, is reading on. What comes next? What do they want to know?

4 Offer Make it easy for your potential customer to decide to choose you. Have a defined and clear call to action on every web page. I add my contact details on every web page of my site with an encouragement to call me any time. If you would like assistance with writing your own web content (or newsletters), feel free to contact me at susan@ creativetext.com.au.

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159

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FIND KNOX | JANUARY 2021

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The Importance of Management Reports for Business Owners BOOKKEEPER By Neha Nayyar

As a business owner it is important to review financial reports. Financial reports are a way to share the financial story of the business. Whether you are a one man show or you have a full team, reviewing financial reports always help in decision making. Profit and loss is not the only report to be looked at. Here are the 4 reports every business owner should review regularly along with the business specific reports. 1. Profit and Loss - The profit and loss statement will summarize the revenues, costs and expenses for a specific period. To put it simply, a profit and loss report shows you the true profitably of your business and will enable you to plan your budget more accurately. This statement will break down specific components of your businesses and tell you where your biggest costs are coming from. 2. Balance Sheet - A balance sheet provides a snapshot of your financial position by summarising the assets and liabilities in your business. Alone, this may not seem as important

as say a profit and loss statement but together they create powerful reporting which enables you or your board members to make informed business decisions. 3. Cash flow Statement - A cash flow statement will tell you the entire story of your business from a cash flow point of view. This statement shows you the available cash you have in your business. By reviewing your cash flow statement you can plan ahead in case you need to borrow or plan your payables.

4. Ratio Analysis - A ratio analysis can show you how your business is performing over time. You can set this report to show which client spends more with you or compare your gross profit percentage with the past 6 months. This report will help you analyze trends in your business and discover why something might work for you now but not a year ago. Itâ&#x20AC;&#x2122;s important to know that with the right systems these reports can all be completely customised so theyâ&#x20AC;&#x2122;re relevant to your business and easy to understand. Here at Sum and Substance we help clients build these reports in the most understandable way. We create these reports along with the analysis so they can help you head in the right direction for your business. We recommend every business look at these reports on a monthly basis with the Board of directors and/or Management team. Please contact us if you would like any assistance in setting up your financial reports. 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 Substance 0401 409 573 info@sumsubstance.com.au

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SIGNAGE TRENDS IN 2021 SIGNAGES By Glenn Martin

2020 proved to be the beginning of what looks to be an eventful decade. The signage industry, like many others, had to adjust to a changing community atmosphere where retailers, business owners and entire industries contemplated how to achieve success in a “new normal”. The theme of signage trends in 2021 aligns with companies that are actively refreshing their brand image and adapting to change. During a time when consumerism has been, at times, fragile, in 2021 the trends will be deliberate and personalised with brands in a position to bring new attention to their signage and upgrading their image. Here are some of the signage trends we can expect in 2021. Innovation Technology is not a trend per se, but it is the result of progress and it is a propellor progress. Creative and innovative signage can show an appreciation for and utilise technology without being pretentious or unobtainable. For example, branding that incorporates graphics with social nuances such as mobile devices and hashtags showcasing a business’s innovative side. Personalisation

Everyone in every demographic wants to be recognised or considered. Forecasters study the retail habits of consumers and studies have shown that personalisation is the key to reaching more customers. Signage can be personalised to appeal to a wide range of people or affiliations. Minimalism Less is more, especially in sign and branding design. Consumers view tens of thousands of images, advertisements and branded content every day. After viewing screens so frequently in their business and personal lives, consumers have a preference for minimal signage and branding, cluttered graphics take away the impact of business logos and are not pleasing to the eye. Sustainability Environmental consciousness is a theme across all industries. Consumers are now more invested in their decision making and who they do business with and why. They analyse their own consumption patterns and expect companies to adhere to the morality of environmental impacts. Modern businesses and branding should incorporate an awareness of the need for sustainable practices.

based on current specials and promotions. In the restaurant industry and digital menus are a great option that allow for easy updates and changes. In the hospitality industry, many hotels resorts have found digital signage helpful when directing guests to ballrooms and meeting rooms for conventions and events because they can be changed in-house from a computer. These signs can be manufactured in a variety of sizes which help to get your message across both indoors and outdoors, they are well lit and draw attention from a distance. More than ever before, signage and branding can direct and connect people. If your business is looking for ways to grow your reach, we would love the opportunity to discuss signage trends that may have an impact on your business growth in 2021. Contact us today to book a free consultation from one of our signage experts, and ensure you get current promotions by following us on Instagram @Signarama_Mitcham.

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

Digital A tech led approach to signage isn’t for every business, but it is a simple and modern approach to signage that can be personalised with trending messages

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FIND KNOX | JANUARY 2021

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Retail Sales Surge, but outbreak Lingers

By Steven Deare (Australian Associated Press)

Retail sales surged by seven per cent in November, but border restrictions and other measures due to a Sydney virus outbreak could reduce retailers’ December joy. Victorians were largely responsible for the sizeable improvement on October trade, according to seasonally-adjusted data published on Tuesday by the Australian Bureau of Statistics. Victoria’s retail sales grew by 21 per cent after many shops re-opened in late October from months of onerous coronavirus restrictions. Black Friday and Cyber Monday promotions across the country also helped boost trade. Yet a coronavirus cluster originating in Sydney, which has spawned 90 infections, may limit sales at retailers’ favourite time of year.

Many holidaymakers have had plans scuttled as most states and territories require people from Sydney or NSW to isolate on arrival. The Western Australian government has blocked them from entering. There are also travel and gathering limits for the residents of Australia’s most populous city. CommSec senior economist Ryan Felsman said the outbreak would be of huge concern to retailers. He said department stores and fashion outlets could have fewer visitors as people isolate. The weekly ANZ-Roy Morgan consumer confidence index fell two per cent this week, and by more than five per cent in Sydney. NAB director of economics Tapas Strickland said if the outbreak can be contained, there is likely to be only a mild impact on retail sales.

A comparable example may be Adelaide, which had a three-day lockdown last month due to a virus cluster. South Australia had little change to its November retail sales result. The ABS did not provide a figure as part of its preliminary figures. Australian retail sales for the month were 13.2 per cent more than the same month last year. While this might seem remarkable given virus restrictions on trade, it is because the ABS retail sales survey does not include sectors hit hard by the pandemic such as travel and pubs and clubs. The bureau will publish its final monthly estimate for November on January 11.

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All Green Lights Ahead for Coranavirus Jab By Daniel McCulloch (Australian Associated Press)

There appears to be nothing but green lights ahead for a national coronavirus vaccine rollout early next year. Health Minister Greg Hunt is not expecting any more setbacks after being forced to dump a vaccine trial at the University of Queensland. Mr Hunt expects to have early assessment of two leading vaccines – one from Pfizer and the other from AstraZeneca – by the end of January. Australian regulators will then be asked to give the drugs the tick of approval, putting the national rollout on track to begin in March. Mr Hunt spoke to the global chief executive of AstraZeneca at the weekend. The company is working to finalise issues including the size of the first vaccine dose and the time before the follow-up shot. “There are no red flags at this stage. There are only green lights,” Mr Hunt told reporters in Melbourne on Monday. The minister’s comments came as New Zealand committed to forming a travel bubble with Australia by the end of March 2021. NZ Prime Minister Jacinda Ardern said the timeline was conditional on Australian government support and case numbers remaining low. Mr Hunt said Australia was ready to do its bit as soon as New Zealand was ready. “It’s good for the economy, good for our airlines and it’s good for both countries,” he said. Meanwhile, the mental and emotional toll of coronavirus on Australians appears to be easing, with fewer people feeling nervous or overwhelmed.

A survey conducted by the Australian Bureau of Statistics has shone a light on the hidden impacts of the pandemic. The survey followed up on wellbeing questions first asked in August, when Victoria was at the peak of its second wave and nationwide restrictions remained in place. Far fewer people were feeling restless or fidgety in November than when the questions were originally asked. There was also a significant drop in the percentage of people feeling nervous or that everything was an effort. The survey also revealed changes in the spending habits of Australian households. Australians uncomfortable spending time in large shopping centres because of coronavirus are increasingly turning to online sales. One in three people now prefer to shop online, the ABS has found. Two in five people say they feel somewhat uncomfortable shopping at large complexes due to coronavirus.

In another big shift towards online services, almost one in six Australians used telehealth services for medical appointments in November. State and territory governments continue to record very few cases of coronavirus, with all new infections linked to hotel quarantine. NSW recorded another three cases in hotel quarantine on Monday. State health authorities are treating 70 active coronavirus cases, with one person in intensive care. Most people (94 per cent) are being treated in non-acute, out-of-hospital care, including returned overseas travellers in special health accommodation. Victoria has recorded one more infection in hotel quarantine, with seven active cases in the state. South Australia reported its first COVID-19 case in more than two weeks – a man in his 40s in hotel isolation.

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FIND KNOX | JANUARY 2021

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Scammers set to exploit coronavirus fears By Marty Silk (Australian Associated Press)

Scammers are set to take advantage of Australian fears of coronavirus and public efforts to contain the disease in the coming year. Australia and New Zealand’s national identity and cyber support service ID Care warns COVID-19 and deepfakes will be used in scams in 2021. ID Care analysts say cybercriminals will likely target the COVID-19 vaccine rollout in the first half of the year. Pharamceutical giants Pfizer and Moderna are already working with America’s Homeland Security department to prepare for vaccine scams. ID Care expects scammers to pose as health officials or government agencies to harvest personal data and use vaccine conspiracy theories in phishing scams. “This is likely to lead to an increase in phishing scams, with the intent of scaring people into clicking on harmful links,” the service said in a report. ID Care said the solution is not to open links in emails or reply to texts you don’t recognise and be careful about coldcallers asking for personal information.

Cybercriminals could also take advantage of public efforts to contain the virus through check-ins with QR codes. Scanning the codes at restaurants and venues has become common practice, but ID Care warns there are few legal rules for the technology or use of personal user data in Australia. “And when you think of the information stored on there – your name, address and phone number – this information could be a honeypot for cyber criminals,” the service said. “Then there is the additional risk those scammers are plotting new measures to implant malicious QR codes in businesses which will harvest the data entered.” Unfortunately, there is little users can do to protect themselves and there are few warning signs for people who have been targeted. ID Care said Australians will also need to be vigilant about deepfakes endorsing products or services in 2021. Deepfakes are realistic videos or audio recordings of politicians or celebrities that are actually computer generated. They have been used to sow confusion in the US and ID Care believes they could be used to trick Australians. The service warned deepfakes will get even more convincing in 2021, so people should always get professional advice before acting upon online videos of famous people.

“And don’t believe every video clip you see of a famous person, whether it be a celebrity endorsing cryptocurrency or a President giving a “speech” via YouTube,” ID care said. Meanwhile, established scams such as ransomware have morphed into more sophisticated and elaborate operations. Before this year ransomware attacks involved cybercriminals infiltrating networks of businesses, encrypting data and offering a decryption key for a sum of several hundred dollars. However, during 2020 scammers started targeting multinational firms, and rather than locking up data they threatened to publicly release it via the dark web. ID Care said it was a double extortion technique forcing businesses to negotiate or suffer the cost of data leaks and reputation damage. The service said many Australian firms have already been affected by this new style of ransomware attack and that will continue in 2021. “It’s the combination of making a big financial reward and relating low risk that has led to ransomware becoming a booming and viable business model for cybercriminals,” ID Care wrote. It advised firms to train their staff in cybersecurity so they avoid downloading malicious links from phishing emails.

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Worst words and phrases of 2020

(Australian Associated Press)

WORST WORDS AND PHRASES OF 2020

A MAGNETIC AND EUPHONIC BUILDING

EFFORTING OUTREACH

VERTICAL CONSUMPTION

When South Australia announced it would allow people to drink in bars while standing up, the SA government described it as “vertical consumption”.

DISCRETIONARY ESSENTIALS *

This oxymoron of the year emerged from the retail sector and refers to spending on “discretionary essentials” for home renovations and office supplies.

ZUMPING *

This word was invented by someone to describe how the COVID-19 recession is disproportionately impacting women.

HIPSTURBIA

A real estate sector-driven word that describes suburbs that attract ‘hip’ residents.

White House press secretary Kayleigh McEnany explained President Trump was trying to contact the family of a police shooting victim by saying: “We are efforting outreach”.

WITHDRAWN AS A MATTER OF PRIORITY

HEALTH DICTATORSHIPS

Need to stop a wild animal from harassing people? Make sure it is “withdrawn as a matter of priority”. That means kill it.

SENSITIVE RECEIVERS *

Dumping a romantic partner on Zoom.

SHE-SESSION

The real estate sector also generated the mixed metaphor of the year: “A magnetic building both lyrical and euphonic, driven by pizzazz and charm”.

A tunnel construction project described how its noise abatement was “designed to minimise noise and vibration impacts on sensitive receivers” – that is, homes, schools and hospitals.

REVERSE PORK BARELLING *

Former federal minister Bridget McKenzie defended her decision to allocate sports grant money to projects in marginal seats as “reverse pork-barrelling”. She also reversed her cabinet spot.

Former Australian PM Tony Abbott railed against so-called COVID-19 “health dictatorships” when Victoria imposed restrictions while battling a second wave outbreak.

APOLOGISED FOR THE DISTRESS THE EVENT CAUSED *

A Rio Tinto executive was recorded commenting on the destruction of two 46,000-year-old landmarks in the Juukan Gorge, saying: “We haven’t apologised for the event itself, per se, but apologised for the distress the event caused”.

SOURCE: Annual list of the worst words and phrases, compiled by Australia’s Plain English Foundation.

JANUARY 2021 | FIND KNOX

New Look

New Website

Your library has a whole new look. While we were closed we have designed a new logo, built a new website and installed a new library management system. As with any large project there have been some teething issues and we are working to resolve them as fast as we can.

Restrictions Easing With restrictions easing, we are able to have many more people in the libraries. Social distancing requirements still apply, and everyone will be required to scan or log in for contact tracing. Other changes include no limits to PC bookings and PC bookings from home have been enabled. Click+Collect and Home Delivery Service are still availble. The website always has the current information - please check Current Services for any changes.

More Information

Summer School Holiday Program We are so excited to be able to provide a mix of online and in Library events this coming School Holidays! All the fun starts on Monday 11 January and continues right through to Friday 22 January. Visit your local Library and collect an activity kit or view our online events from our Facebook page, with a few events hosted via Zoom. Be sure to book ahead to receive your zoom invite. All events are FREE!

Browse Events

NGV Kids @ Your Library Collect an art activity pack produced by the National Gallery of Victoria and create artworks at home. Send your artwork back to the library for display, or post a photo, and go in the draw to win a voucher from a local bookshop. You will receive an email when your pack is ready for collection. Packs will be distributed from Monday 11 January - Friday 22 January, or until booked out. Packs can be collected from Realm, Knox and Lilydale Libraries. Bookings essential.

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2020 TA Coronavirus Supplement Payment Extended Again to March 2021 The Federal Government is extending the payment period again for Coronavirus Supplement to 31 March 2021. It was previously extended to 31 December 2020. However, during the extension periods the level of payment is falling from the original $550 per fortnight. Up to 31 December 2020 is new supplement is $250 per fortnight and this will be lowered to $150 per fortnight to 31 March 2021. The full Coronavirus Supplement amount is payable to the individual, provided they qualify for an eligible income support

Announcement (23-Mar-2020) Updated: (12-Nov-2020)

payment. Other changes to the supplement will include the re-introduction of means testing and liquid assets waiting period. However, original COVID-19 adjustments, such as increased cut-off levels for partner income and reduced waiting times will still apply.

Granny Flat Arrangements Set for CGT Exemption A “targeted” capital gains tax exemption relating to granny flat arrangements has been proposed in the 2020 federal budget. The announcement intends to remove financial impediments to the creation of formal and legally enforceable granny flat arrangements. Often, it is informal arrangements which can inevitably

Announcement (6-Oct-2020)

lead to financial and elder abuse. Any proposed announcement must go through the legislative process.

Updated: (12-Nov-2020)

The proposed CGT exemption will have effect from 1 July in the following income year after Royal Assent.

JobMaker Hiring Credit JobMaker Hiring Credits will be available to eligible employers who hire new employees between 7 October 2020 and 7 October 2021. The credit is available for up to 12 months of employment and is capped at $10,400 per new employee. The new employee will be required to work at least 20 hours

Announcement (6-Oct-2020) Consultation (27-Nov-2020) Intoduced (7-Oct-2020)

a week and previously been receiving JobSeeker Payment, Youth Allowance (Other) or Parenting

Passed (11-Nov-2020)

Payment. They also need to be under 35 years of age and sign a relevant nomination form. The ATO is

Royal Assent (13-Nov-2020

facilitating the scheme, with quarterly claims commencing in February 2021.

Date of effect (7-Oct-2020)

NT COVID-19 Stimulus Package - JobMaker “Booster” Announced On 10 November 2020, the NT budget announced the JobMaker “Booster” wage subsidy for small businesses in the Northern Territory. This wage subsidy intends to run alongside the federal government subsidy, ensuring that employers will get $200 per week for any new hire during the scheme. This subsidy is on top of the other NT government stimulus packages announced and extended since the beginning of the COVID-19 pandemic. Payroll tax exemptions, deferrals and waivers are available for most businesses affected by the pandemic. For small and medium businesses in the Territory that can

Announcement (9-Apr-2020) Update (18-Nov-2020)

show that they have suffered substantial hardship due to the COVID-19 pandemic, payroll tax will be waived for 13 months. Larger businesses will get a 12-month deferral. The Territory Government will also lower power, water and sewerage bills by 50 per cent for businesses until 1 July 2021.

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 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.

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

AX UPDATES 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.

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

JANUARY 2021 | FIND KNOX

JANUARY REALESTATE2021

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community paper for FREE. Contact Warren for all of your advertising needs.

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

January 2021

REAL ESTATE AGENT

www.findknox.com.au

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

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

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Agent Name: 1234 568 75896 emailaddress@gmail.com.au

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JANUARY 2021 | FIND KNOX

JANUARY 2021 REALESTATE

Christmas cheer to end to the year Local families doing it tough received Christmas hampers this week from St Vincent De Paul’s Ferntree Gully branch with the assistance of a $2,000 grant from Council. Ferntree Gully branch treasurer, Connie Balakrishnan, said some 65 hampers containing Christmas staples such as pudding, ham, shortbread and custard were delivered by volunteers to grateful recipients over the weekend. “Many of our clients are from big families and have young kids. These hampers really help to make their Christmas that little bit more special,” Ms Balakrishnan. “We truly enjoy making arrangements to drop in to our clients to personally greet them. Families are always appreciative and thankful for the hampers.” The hampers contain a variety of Christmas products and a $100 Woolworths card. Children also received a gift card thanks to the additional support of St John the Baptist Catholic Primary School and St Joseph’s College in Ferntree Gully. Council’s Community Development Fund grants aim to develop, enhance and support the involvement of community groups in activities and projects which respond to identified needs in the Knox community. #BeKindKnox #KnoxActsofKindness

JANUARY 2021

Artist impression of State Basketball Centre exterior Knox

Artist impression of State Basketball Centre interior Knox

Funding win for basketball transformation Basketballers of all levels will enjoy state of the art facilities right here in Knox, with $22 million in additional state government funding for the redevelopment of the State Basketball Centre. The funding will further enhance the transformation of the State Basketball Centre, in a jointly funded project between Knox City Council and the Victorian Government totalling $130 million. The project will deliver 10 new indoor community courts for local basketball competitions, landscaping, and new administration areas. The upgrade will establish the State Basketball Centre as a leading facility for basketball in the country, meeting growing demand for the sport among local players as well as creating new and improved facilities for gymnastics.

Knox City Council Mayor, Cr Lisa Cooper said increasing opportunities for participation and bringing visitorsinto Knox to celebrate sport would have widespread benefits for the local community.

with the opportunity to participate in their favourite sports.” “We are very grateful to Premier Daniel Andrews, Deputy Premier James Merlino and the Victorian Government for supporting this project and our local and elite sportspeople.”

“Both basketball and gymnastics are experiencing significant growth here in Knox and around the local region,” said Cr Cooper.

In light of the COVID-19 pandemic, Cr Cooper said major construction projects also played a key role in community recovery. “Our capital works program is a vital part of our strategy to stimulate the local economy and create jobs,” she said.

“Growing the State Basketball Centre to meet this demand means local sportspeople of all ages, genders and abilities will have the chance to use professional facilities and experience the benefits of physical activity, team sport and the wonderful role modelling that can come from elite sporting heroes.” “We are proud to see Knox maintain its reputation as the heartland of basketball in the country and provide more people

“Major projects like the State Basketball Centre redevelopment provide a great opportunity to keep local trades in business and skilled tradespeople in work.” The additional funding brings the Victorian Government’s total contribution to $105 million, with $25 million to be provided by Council.

JANUARY 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

CACHE BEGIN YOUR FIRST ADVENTURE IN FIND KNOX

1 2 3 4

SEEK

AND YOU WILL

CACHE

WATCH AND READ THE CLUES

Find a cache

share you exprience

Each month we will provide clues in the location of the Find Cache.

Once you found the Cache please notify us.

The winner will be published in the next Find Maroondah.

CACHE

ABOUT FIND CACHE Each month we will be hiding a Cache of items around the Knox area. Your job is to discover where the cache is hidden. The first person to find the container of items gets to keep it. Each week we will place a clue on the Find Knox Facebook page to help you locate the cache of goodies. Make sure you Follow and Like the facebook page (https://www.facebook.com/findknox/)

WHATâ&#x20AC;&#x2122;S IN THE FIRST FIND CACHE

The Find Cache will be starting in Next Month.

JANUARY 2021 | FIND KNOX

Knox

Your Ultimate School Holiday Guide Welcome to your ultimate guide to making the most of school holidays at Westfield Knox. Read on to find out how you and the kids can maximise the fun before the school bells ring again. What’s on Looking for ways to entertain the kids? Visit Westfield Knox for a range of activities to enjoy: Take home craft activities from See Make Play! This school holidays - bring the fun home, thanks to our friends from See. Make. Play! From Jan 18th - 22nd we’re inviting you to visit our beautiful cart from See Make Play where you can score a complimentary take home craft activity! All you need to do is be a Westfield Plus member, and show your member ID! Find out more. Escape to the movies Nothing says ‘school holidays’ like a day at the movies. Head to Village Cinemas located on level 1 in the Ozone to catch the latest family flicks. The kids will be entertained for a couple of hours and you’ll get to sit down and enjoy a bit of downtime. Perfect! What’s on? Here’s a few of our school holiday picks below. The Croods: A New Age The Croods have survived their fair share of dangers and disasters, from fanged prehistoric beasts to watching their daughter get heart eyes over a new boyfriend. But now they face something that will shake their pack to its core and make them reconsider everything they hold true: another family. The War with Grandpa Peter is thrilled that Grandpa is coming to live with his family. That is, until Grandpa moves into Peter’s room, forcing him upstairs into the creepy attic. And though he loves his grandpa he wants his room back - so he has no choice but to declare war. With the help of his friends, Peter devises outrageous plans to make Grandpa surrender the room. But Grandpa is tougher than he looks. Rather than give in, Grandpa plans to get even. Find out more

Knox

Introducing the Lyrebird Bar at Ozone Park Introducing the Lyrebird Bar at Ozone Park Make up for lost time with family and friends by sharing a meal under the stars (or sunny sky) at our exciting pop-up Lyrebird Bar within our new outdoor dining precinct, Ozone Park. With ample seating available, there will be no fights over where to eat as everyone will be able to takeaway from any of their favourite Ozone restaurants and dine together under our festoon lights! Enjoy a cheeky drink or two from the Lyrebird Bar, open daily from 12pm to late. In partnership with Fonda, the bar has been fullyrefurbished and features the work of local artist, Paul Sonsie from Sonsie Studios. Ozone Park will be open daily all summer from 11am to late each day until 15 March 2021 and is located in Ozone on Melbourne Street. The Lyerbird Bar will be open from Thursday - Sunday from 12pm - 9pm.

Sit under the sunny sky.

Enjoy a cocktail from The Lyrebird Bar.

Make up for lost time with friends and family.

Enjoy live acoustic entertainment.

JANUARY 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 donâ&#x20AC;&#x2122;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

JANUARY 2021 | FIND KNOX

DO RETIREES NEED A PROFITABLE HOBBY?

RETIREMENT By Bernard Kelly

Today the concept of Retirement has lost its sharp definition. Today retirement is best described as those 25-35 years after we leave the workplace. And the related issue is that – for the first time ever since birth – we have to determine our own future. Which includes how best to generate some income to supplement the pension and the crumbs available from super.

superannuation balances of less than $100,000. 50 percent of women in that same cohort had balances of less than $40,000. We’ll need to keep working as long as possible, but if we can’t find a job later on, will the pension and super be adequate to maintain our lifestyle? The answer is obvious, so we need to create an income through some form of self-employment.

There is a growing realization that, as we pass age 65, a woman has a probability (i.e. a better than a 50/50 chance) of reaching age 93 while a man’s probability is to reach age 91.

Our superannuation nest egg will be inadequate to support our lifestyle indefinitely, and many of my articles over the years have included the benefits of having a “profitable hobby” in retirement.

These ages are when the average “estate event” is likely to occur. It’s becoming obvious that over half of us will be living well into our 90s.

We’re going to need additional income to be able to afford to visit the dentist, or to replace those worn car tyres.

And that’s a long time to be bored, especially if we’re on a meagre income. In October 2017, ASFA reported that around 50 percent of men age 60-64 had

The benefits from such a profitable hobby are not only financial – various TED Talks tell us that we’ll also maintain better health when our social interactions across the community remain vibrant.

And with a profitable hobby, you’ll find that your clients replace those friends that you lose along the way. Of course, even traditional hobbies - such as short story contests - will expand your mind and change your world and keep you stimulated. But they won’t generate an income for you. So let’s return to the issue at hand - the best solution to generate additional income as a senior is to take whatever hobby you have, and convert it into a “profitable hobby”. Not only will you have additional income, but you’ll also avoid other age-related issues – such as becoming invisible and irrelevant.

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

JANUARY 2021 | 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.

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

PROFESSIONAL SERVICES • Architect ------------------------------ 54 • Find Accountant ----------------- 54 • Financial Planning ------------- 54 • Find Wealth ------------------------- 00 • Bookkeeping ---------------------- 55 • Editor|Copywriter --------------- 55 • General Insurance ------------- 55 • Signanges --------------------------- 56 • Marketing Consultant -------- 57 • Mortgage Brokering ---------- 57

SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES

SCOPE OF SERVICES

1. Feasibility Studies

• Feasibility Studies

• Construction Documentation

2. Design Only

• Concept Design

• Building Permit Submission

3. Design and Document

• Design Development • Contract Administration

4. Full service package (and more)

• Town Planning

• 3D Imagery

+61 426 188 744

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contact@kirarchitecture.com

www.kirachitecture.com

ADVERTISE HERE

KATHY ISMAIL ARCHITECT

PAGE

PROFESSIONAL SERVICES

Make your writing ZING! CONTACT US

SERVICES • Book Editing • Indexing • Memoirs and Life Stories • Editing and Proofreading

susan@creativetext.com.au

• Business Content Services

0437 127 159 www.creativetext.com.au

Save Your Time & Grow Your Business CONTACT US

SERVICES WE OFFER:

Sum and Substance Bookkeeping,

• New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up • Virtual CFO • Training and Webinar • Small and Medium Size Business Owners • Setup, Training & Review • Phone and Email Support • Payroll • Bookkeeping

Training and VCFO services Neha Nayyar - Director 9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095 Office: (03) 9424 9447 Neha: 0401 409 573 Email: info@sumsubstance.com.au Website: www.sumsubstance.com.au

JANUARY 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.

PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

• Design • Brand Audits & Consultation • Manufacturing

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.

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

• • •

Wooden garage doors Garage door locks Up and over garage doors

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

JANUARY 2021 | FIND KNOX

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SHORT BLACK

LONG BLACK ....and many more! JANUARY 2021 | 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.

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

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.

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 61 • 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

JANUARY 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

JANUARY 2021 | FIND KNOX

KNOX

Support your Local Not-For-Profit

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Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

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31 January - 31 December 2021

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

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Coupons &

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

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.

Find Cards Policy

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

Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer).

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2021 FindÂŠ Pty Ltd.