Find Knox 2022 - January Edition by Find

Knox The

JANUARY 2022

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WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

KNOX COUNCIL NEWS

NOT-FOR-PROFITS EVENTS & ARTICLES

FIND FAITH

FIND BIRTH, DEATHS, & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

MarkMogato

KiR Architecture kathy@kirarchitecture.com www.kirarchitecture.com 0427 894 603

Xpresso Delight waikato3@bigpond.com www.xdcoffee.com.au

0418 393 085

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JANUARY SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

EDITOR | WRITER

SUSAN PIEROTTI

CRAIG ANDERSON MORTGAGE BROKER

KATHY ISMAIL

NEHA NAYYAR SIGNAGES

GENERAL INSURANCE

LACTATION CONSULTANT

REECE DROSCHER

COMMERCIAL COFFEE MACHINE HIRE

JOANNA STRYBOSCH

OCCUPATIONAL HEALTH & SAFETY

MARKETING

Are you our next

MARK FELTON

GLENN MARTIN

IVANA SMITH

ELECTRICAL OPERATIONS

TRAVEL AGENT

PLUMBING

Are you our next Electrician?

Are you our next Travel Agent?

Are you our next Plumber?

Marketer?

SOLICITOR

Are you our next Solicitor?

Knox The

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

OUR NEWSPAPER The Find Knox was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Knox has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS KNOX

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

ACKNOWLEDGEMENT The Find Knox acknowledge the Traditional Owners of the lands where Knox now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER Readers are advised that the Find Knox accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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NEXT ISSUE Next Issue of the Find Knox will be published on Friday February 8, 2022. Advertising and Editorial copy closes Friday February 4, 2021.

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JANUARY 2022 | FIND KNOX

About the Find Knox By Warren Strybosch

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

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

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

He’s very familiar with the waste Australia produces and believes the facility planned at Napandee on the Eyre Peninsula is a sound plan to manage it safely and responsibly.

Radioactive: The Debate Over Nuclear Waste

“This is not a dump,” Assoc Prof Irwin tells AAP. “It’s an engineered facility. The word dump has this connotation that you just sort of throw it in a hole in the ground and forget about it. “This is quite a sophisticated engineered facility we’re talking about.” It’s important to understand the dual roles Napandee will have, he adds.

Tracey Ferrier (Australian Associated Press)

Nuclear waste. Two words capable of sparking immediate fear.

And why is it needed at all, given Australia produces a relatively small amount of waste from a single nuclear reactor that supports medical, research and industrial applications?

But is there really anything to fear from the government’s plan to build a disposal and storage facility for the nation’s radioactive waste in South Australia?

Tony Irwin is a lecturer in nuclear science at the Australian National University and used to manage the country’s sole reactor in the Sydney suburb of Lucas Heights.

What kind of waste will it hold and how potent is it?

He came to Australia with years of experience in the nuclear industry overseas, including commissioning and operating eight power reactors in the UK, and helping Russian engineers improve the safety of theirs after the Chernobyl disaster.

How will the facility protect human and environmental health so far into the future that it’s difficult to imagine what society will be like?

First and foremost it will be a disposal facility – a final resting place – for thousands of barrels of what’s called lowlevel waste. Typically it’s items such as plastic, gloves, clothing, and filters that have small amounts of radioactivity. This is material that will need to be managed for 300 years, Irwin says, at which point its radioactivity will have degraded to safe levels. Because of its relatively low levels of radiation, it is safe to dispose of in nearsurface, multi-barrier facilities – managed and monitored compounds that are slightly above or below ground level. Read more JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

By Warren Strybosch

With 2022 now upon us, we have been looking forward to leaving 2021 behind and hoping to hear less about Covid and more about businesses beginning to thrive again, people enjoying their holidays, and everyone being allowed to have the freedoms they once had before. Ironically, I am writing this article as I sit in my caravan whilst the rain comes pummeling down, with the caravan fridge not working, the battery getting very low, and many other families having already packed up and headed home; shortening their summer holiday. I then listen to the news and hear all about the spread of Covid across the country with daily stories of people I know getting Covid, local business suddenly closing their doors because one of their staff or customers having Covid, and watching people start to get nervous about these new strains and the rapid spread that is occurring.

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New Year: A New Start was feeling sore at the time. The person was not trying to be mean or nonsympathetic to my plight, but was, in their way, trying to get me to see that I was still very fortunate.

This period will pass, and things will get better. For 2022, I hope your business thrives, your relationships flourish, and you find joy in the day to day. That is my hope for you all.

To top it off, I sit here with a likely torn rotator cuff and swelling down my right leg. This might have something to do with me falling off my mountain bike twice on a mountain bike trail I have down several times before.

I still have a job, my wife and three teenage kids, whom I love, can still put up with me, we have a house over our heads, good friends around us, good staff in the business, and no one in our family is suffering from any major illness or injuries. Overall, I am very fortunate.

Not exactly the 2022 start I was looking for, but you know what, “it could be worse”. That is exactly what someone said to me when I was feeling sorry for myself…I had an excuse…my shoulder

I share my situation with you in the hope that, whilst some of you are experiencing difficulties right now and may not know what the future holds, to not give up.

During 2022, we will try and provide some encouragement and hope through our articles and stories. If you would like to contribute a story to the Find Maroondah this year that you believe will be of interest or encouraging, please send your submissions to editor@findcasey. com.au.

I hear of friends leaving Victoria and moving to Queensland or WA, with the hope that they will have a better lifestyle in those states than our own.

From the Find Casey team, we wish you all the best for 2022.

Support Local, Buy Local, Discover Knox Do you have photos from a local event or a great story you would like to share?

SEND US YOUR NEWS!

editor@findknox.com.au

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JANUARY 2022 | FIND KNOX

Government Works to Prevent Future

viruses

Dominic Giannini

(Australian Associated Press)

There are an estimated 1.7 million undiscovered viruses in mammals and birds, any one of which could become a new pandemic. To combat and manage emerging zoonotic diseases, the federal government will put an additional $8.4 million into Australia’s wildlife health and early detection research over the next four years. Agriculture Minister David Littleproud said the funding would put Australia at the forefront of a global initiative aimed at preventing future diseases.

“Nearly all major exotic livestock diseases of potential concern to Australia, including African swine fever and foot-and-mouth disease, will have wildlife and/or feral animals as part of their cause or spread.”

The government is also putting aside $205,000 to aid Papua New Guinea’s recovery from African swine fever outbreaks since 2020 and $180,000 to bolster Timor-Leste’s biosecurity after the swine fever broke out in 2019.

Environment Minister Susan Ley said a healthy environment was a precursor to human and animal health.

Mr Littleproud said the funds would help encourage better farming practices to minimise the health risks, with more than 70 per cent of Timor-Leste households keeping pigs.

“This funding will prioritise the investigation of significant wildlife disease events to identify the underlying causes and determine their relevance to human, animal(s), and environmental health,” she said. Wildlife Health Australia will lead the program’s delivery, which involves the establishment of a One Health investigation fund.

“COVID-19 has brought into sharp focus the importance of recognising and managing emerging zoonotic disease The fund will also aim to officially partner risks which can originate from wildlife,” WHA’s research within Australia and the Indo-Pacific region with the World Mr Littleproud said. Organisation for Animal Health.

Meanwhile, PNG will fund road checkpoints and field teams to monitor and respond to reports of swine fever as well as educate smaller farms about how to better manage the risk of the disease. African swine flu is a viral disease with no effective vaccine. It lives in contaminated pig pens for at least 30 days and survives in uncooked, frozen of cured pig-meat for longer periods of time. The virus is spread through close contact between pigs and is widespread throughout Asia.

JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

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Christian Super

– must merge with another superfund By Warren Strybosch

APRA, who regulates superannuation funds, has imposed additional licence conditions on the trustee of Christian Super to protect the best financial interests of the fund’s members. APRA said the new conditions seek to address concerns from an APRA investigation into Christian Super’s investment oversight, governance and strategic decision-making. They are also aimed at rectifying Christian Super’s persistent investment underperformance, which culminated in the fund’s MySuper product failing the first annual performance test. Under the terms of the new licence conditions, Christian Super is required to implement a strategy to merge with a larger, better performing fund by 31 July 2022. In doing so, Christian Super is required to engage an independent expert to ensure the merger is consistent with its duties under superannuation law. Book a review appointment before the Merge If you are a member of Christian Super and would like to know where best to move your superannuation before the merge takes place, then consider having a Free, no-obligation, superannuation review with Warren Strybosch, an award-winning financial advisor and one of Australia’s top 50 most influential financial advisors. You can book a phone call meeting time (he will call you) via his Calendly link at: https://calendly.com/findgroup/15-minute-phoneconversation. After the meeting you will be provided with a FREE comparative superannuation report to help you decide whether or not to move your superannuation over to another provider. Warren Strybosch, an accountant and financial planner, attends One Community Church, has been married for over 25 years, and has been providing financial advice for nearly 20 years.

A Defence review has found no national security grounds to recommend the federal government overturn the 99-year lease of the Port of Darwin to Chinese company Landbridge. The national security committee of cabinet has considered the review it commissioned to re-examine the 2015 agreement under which Landbridge won the bid to operate the port in a deal worth $506 million, The Australian reports. Defence Minister Peter Dutton had pushed the review amid deepening tensions between Beijing and Canberra. The government is still reviewing the matter but the Defence review recommendation makes it more difficult for it step in and overturn the port lease. Scott Morrison has said the port lease was “undertaken by the former Territory government and it was not a lease that was approved by the federal government – it was not”.

No Security Issues Over Darwin Port Lease (Australian Associated Press)

He also said the government would only act in relation to the port lease “if there is advice from the Defence Department or our security agencies that change their view about the national security implications of any piece of critical infrastructure”.

The defence department also undertook a review of a Chinese company acquiring 50 per cent of shares in the Port of Newcastle back in March 2018 and found no concerns with the transaction.

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JANUARY 2022 | FIND KNOX

Call to Grab Migrants from Rival Economies Marion Rae (Australian Associated Press)

A trickle of migrants to Australia might be just enough to keep house prices in the black but an extra million people would help the whole economy, experts say. “In a competitive global market, postpandemic, it will be one thing to decide to increase skilled migration and another to achieve it,” KPMG chief economist Brendan Rynne has warned in new research. Australia should proactively target higher intakes from countries where people tend to migrate to the United Kingdom and Canada, he said. That would mean more new Australians from Poland, Ireland, Germany and the United States. “During the pandemic, we have suffered a significant decline in foreign migrants settling in Australia such that our net overseas migration numbers have turned strongly negative – the first time since the end of World War II,” Dr Rynne said. The latest official population data suggests net overseas migration will remain negative this financial year before slowly recovering to 235,000 per year from 2024/25. This will leave the population around 700,000 less in 2025 than was expected before the pandemic. Net overseas migration added about 10 per cent to Australia’s population over the more normal 10 years to 2019. But if Australia wanted to match that 10 per cent growth trajectory in population through international migration, almost But Australia is not the only country to recognise the economic, social and cultural benefits, especially from skilled migrants who tend to be younger than the average worker in our ageing population. Australia recorded the seventh largest intake of international migrants at around 820,000 people in the five years to 2019, according to United Nations data analysed by KPMG. People mostly came from China (132,000), India (120,000), UK (56,000), Philippines (40,000), and Malaysia (31,000).

The UK and Canada, considered rival destinations to Australia, received 1.14 million and 532,000 migrants respectively between 2015 and 2019. The Department of Home Affairs has identified 44 occupations as critical skills needed to support Australia’s response to the COVID-19 pandemic and economic recovery. The Priority Migration Skilled Occupation List applies to the Temporary Skill Shortage, Skilled Employer Sponsored Regional (Provisional), Employer Nomination Scheme, and Regional Sponsored Migration Scheme visa categories. KPMG modelling suggests each additional migrant positively impacts GDP by around $130,000 per year, mostly from household consumption of about $70,000.

House prices will also get fresh support, even at the current trickle, in the regions and cities. CommSec chief economist Craig James says house prices could rise by a further seven per cent in 2022, supported by stilllow interest rates and the current rate of foreign migrants to Australia. Some regional markets rose by more than a third during 2021, outpacing a 20 per cent lift in home values across the capital cities, CoreLogic data released on Tuesday showed. CoreLogic research director Tim Lawless said he expects rents to rise as foreigners return, especially for inner city units in precincts popular with students. But COVID-19 remains the biggest wildcard, and not just for 2022.

JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

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Pedestrians and Forklifts Don’t Mix. OCCUPATIONAL HEALTH & SAFETY By Mark Felton

Tragically, two workers have recently died in Victoria in separate forklift incidents. A 25-year-old worker was killed when standing near a forklift being driven on a sloping driveway. The forklift tipped over, crushing the worker. In a second forklift incident a 49-year-old worker was fatally injured when a large unstable load fell off the fork arms (tines) onto him. Pedestrians make up almost half of all people injured by forklifts. The most common forklift-related injury sustained by pedestrians is crushing. Pedestrians have also lost their lives or sustained traumatic injury when walking across forklift travel paths, doorways or from behind palletised goods or being hit by objects falling: • • •

during the loading and unloading of trucks from an unstable load handled by a forklift from forklifts carrying long, awkward shaped and unbalanced loads

Forklifts are a hazard and, where reasonably practicable, should be

eliminated from the workplace, or substituted with other suitable load shifting equipment. If this is not reasonably practicable, the risks associated with using forklifts must be reduced, using engineering or administrative controls, such as traffic management plans (TMPs). TMPs are the key to separating forklifts from pedestrians, including truck drivers. An effective TMP can include a range of controls, including: • • • •

pedestrian and zones reduced speed (smart forklifts) halos signage

forklift limiting

exclusion devices

Everyone at the workplace, including visitors, must be advised of the site's TMP. Once risk controls are in place they must be regularly reviewed, especially when an incident occurs or there is a change in work practices, and revised where necessary in line with regulation 121 of the Occupational Health and Safety Regulations 2017 (OHS Regulations). Pedestrian and forklift exclusion zones can incorporate: • •

safety zones for truck drivers fixed safety barriers

• inward opening gates at pedestrian crossings • containment fences • clearly marked aisle ways, travel paths and pedestrian crossings If separation by fixed barriers is not reasonably practicable, ensure pedestrians stay outside the advised three metre exclusion zone and do not interact with the load during forklift operations. Do you or someone you know need help in understanding and Identifying hazards associated with forklift use, and developing control measures? I can assist by reviewing the current situation and systems, highlighting any shortcomings. I can then assist in the development and implementation of effective measures to reduce risk. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com. au for an obligation and cost-free initial discussion.

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JANUARY 2022 | FIND KNOX

Handy Household Uses For Coffee COMMERCIAL COFFEE MACHINE By Ivana Smith

If you’re a coffee lover and would like to care for the environment, coffee grounds are the perfect ‘green’ answer. Throw out your chemical cleaners and embrace versatile coffee grounds! There are probably as many uses for coffee around the home as your imagination can think of. Here are a few ideas to whet your creative appetite. Air freshener Food, pet odours, sweaty work and sports clothes, shoes – every home has obnoxious smells at some time. The good news is there’s no need to buy an air freshener. Coffee grounds soak up all the odours around them. This is why fresh coffee beans need to be tightly sealed after each use. Dried coffee grounds are another matter. Put used and dried coffee grounds in a bowl or open jar and place it in the offending room. For your shoes and wardrobes, hang an old stocking, sock or cheesecloth filled with dried grounds and tie up with an elastic band. The smells will disappear to be replaced with the fragrant aroma of coffee. Delicious!

unwanted odours. Neutralize smells in the microwave by combining 2 tbsp of grounds with 1/2 cup of water, then heat for less than a minute.

De-flea your pets Fleas are a common problem in household pets and treating them can be costly and time-consuming. Many of the flea-removal products on the market contain harsh chemicals and can produce unwanted side effects.

Drain cleaner Is your drain smelling a bit whiffy? It's easy to fix with the help of leftover coffee grounds. Toss a couple of tablespoons of coffee grounds down the drain, followed by two drops of soap and a kettle full of boiling water. This breaks down the grease, and cleans the pipe, thereby reducing the smell. Don’t do this more than a couple of times per month so you can avoid accidental clogging.

Unlike Melburnians, fleas don’t seem to like coffee! Simply rub dried coffee grounds throughout your pet’s fur after shampooing, then rinse them off and allow your pet to dry as usual. (Be aware that coffee grounds can be toxic to dogs if consumed.) However, if this treatment does not work, take your pet to a vet. Deodoriser Food such as blue cheese, overripe vegetables and fish can leave unpleasant lingering smells. A small jar of dried coffee grounds on a shelf at the back of the fridge will absorb those

You can also insert a small open bag of coffee grounds in your rubbish bin to minimise garbage smells.

Cleaner Say goodbye to harsh chemicals! Use coffee grounds to clean things around the kitchen such as pots and pans, dirty dishes, sinks, stove tops and cooking hobs when they are becoming grimy. Make sure whatever you’re cleaning won’t get stained by the coffee. Place a few teaspoons of coffee grounds on a cloth and scrub the surface with the grounds to scour grease and grime away. Rinse thoroughly once the grease and grime have been removed. Coffee

is a mild abrasive so scrubbing your cookware with it won’t scratch it. Dark wood furniture stainer If you have furniture with scratches or scuffs, there’s an easy way to mask the damage. Most staining solutions use toxic materials. Coffee grounds are just as effective while being entirely natural. Mix coffee grounds with warm water, dip a cotton swab into steeped coffee grounds and dab on scratches. Wait 5-10 minutes, buff the area with a soft rag and see how it looks. Repeat the process if necessary. It is best to first test on an inconspicuous area before applying to the visible parts of the furniture. Hand cleaner Who loves the smell of chopped onions or garlic on their hands? No one! Instead of reaching for the hand cream or soap, try rubbing your hands gently with dried coffee grounds. This will eliminate those smelly odours and exfoliate them at the same time, leaving them smooth and soft. For advice on coffee and how to supply it to office spaces, workplaces and clubs, contact Ivana at ivana.smith@ xpressodelight.com.au.

JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

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3 Cool Tips For Your Home Over Summer ARCHITECT By Kathy Ismail

With the La Niña climate pattern affecting the holiday weather across Australia this summer, we might not have as many super-hot days as usual. Nevertheless, the occasional day over thirty may see you scurrying for the air conditioner’s remote control. While air conditioning is a blessing, it tends to fill the home with undesirable chemicals, can affect people with allergies badly and is massively expensive to run. What if there were other ways to keep you home efficiently cool? Here are three tips for living in your home with a comfortable room temperature throughout the long summer days and nights. 1 Curtains and windows Windows draw in heat from the sun. The best insulator for windows is double glazing or proper sealing. If that’s out of your budget or your plans for now, the next best option is triple-backed curtains. Something as simple as installing heavy curtains can make a massive difference between enjoying your space and sweltering in it. Triple-weave curtains not only look good, as they drape beautifully, but they have the ability to drop the temperature in your room during hot weather. They are made with three tightly interwoven layers, the one in the middle made of a black thread that blocks sunlight and heat. Triple-weave curtains come with other great advantages. They are mouldresistant, they act as a great fire-retardant and they filter outside noises. They are also easy to care for – just pop them in the washing machine, hang them out to dry, press them with a cold iron if necessary, then re-hang them in the room. Keep them drawn during the hottest part of the day, only opening them again when the sun has shifted away from the windows. You will notice a marked decrease in heat in your home. 2 Insulation The ability of insulation to control temperature in buildings, especially in the ceiling–roof space, was recognised well before the Pink Batts scandal of the

government was installing the batts was to help people reduce their power bills by saving on energy consumption – a good thing.) Insulating one’s home contributes hugely to warmth in winter and cooling in summer, as anyone who has lived in a home without insulation knows! Insulation also prevents mould and damp from permeating your home. Did you know that the floors can and should be insulated as well? This is not an issue for more modern homes built on concrete slabs, but for homes constructed in the ’70s and ’80s built on wooden stumps, floor insulation is certainly worth considering. Does the idea of emptying everything out of your home and lifting up the carpets and every floorboard make you shudder? Why not talk with an architect about this, as they will have many ideas on how this can be accomplished with your existing flooring arrangements. 3 Eaves When you think about it, a house without eaves is really like person without eyebrows. Our eyebrows aren’t just decorative, just there to give our faces some sort of definition. They actually provide several useful functions, as do eaves. Our eyebrows protect our faces from sweat as eaves protect a

home from rain. They prevent our eyes being filled with dirt as eaves prevent dirt and dust from entering our homes. (Just think of all the garden rubbish our eaves collect!) Eyebrows and eaves both protect our eyes (and homes) from glare and heat. In the summer months, the angle of the sun is higher and the temperatures are hotter, but the eaves prevent that light and heat from penetrating your home. Eaves are an important home feature in the quest for cooler temperatures. If your house has narrow eaves that you wish to enlarge, you can do this after applying to your local council for permission to extend them. However, it is quicker and better to ask an architect to do that for you as they are more experienced with council applications and their authority will carry more weight. Contact KIR Architecture at contact@ kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.

Kathy Ismail ARCHITECTURE KiR ARCHITECTURE 0422 026 962 www.kirarchitecture.com

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JANUARY 2022 | FIND KNOX

Christian Super – Must Merge With Another Superfund By Warren Strybosch

APRA, who regulates superannuation funds, has imposed additional licence conditions on the trustee of Christian Super to protect the best financial interests of the fund's members. APRA said the new conditions seek to address concerns from an APRA investigation into Christian Super's investment oversight, governance and strategic decisionmaking. They are also aimed at rectifying Christian Super's persistent investment under performance, which culminated in the fund's MySuper product failing the first annual performance test. Under the terms of the new licence conditions, Christian Super is required to implement a strategy to merge with a larger, better performing fund by 31

review with Warren Strybosch, an awardwinning financial advisor and one of Australia’s top 50 most influential financial advisors.

Book a review appointment before the Merge

You can book a phone call meeting time (he will call you) via his Calendly link at: https://calendly.com/findgroup/15minute-phone-conversation. After the meeting you will be provided with a FREE comparative superannuation report to help you decide whether or not to move your superannuation over to another provider.

If you are a member of Christian Super and would like to know where best to move your superannuation before the merge takes place, then consider having a Free, no-obligation, superannuation

Warren Strybosch, an accountant and financial planner, attends One Community Church, has been married for over 25 years, and has been providing financial advice for nearly 20 years.

July 2022. In doing so, Christian Super is required to engage an independent expert to ensure the merger is consistent with its duties under superannuation law.

Will 2022 be better? Aussie Outlook Mixed Ipsos surveyed people across more than 30 countries about their expectations between October and November. Of the 1000-odd polled in Australia, 82 expect 2022 to be better.

Alex Mitchell

(Australian Associated Press)

Will 2022 be better? Australians are uncertain about how optimistic, or not, to feel going into a third year of the COVID-19 pandemic. While 82 per cent of people polled by Ipsos anticipate a “better” 12 months, just 37 per cent of those canvassed by a separate Roy Morgan survey think the same. Fewer people are as gloomy about the coming year compared with Roy Morgan’s previous poll a year ago. But its latest snapshot of 1184 people in late November shows 23 per cent think 2022 will be even worse than this year while 31 believe it will be the same.

“During the past two years, the only certainty we have had during the pandemic has been dealing with uncertainty,” Roy Morgan chief executive Michele Levine said. “The emergence of the Omicron variant shows there will still be a large degree of uncertainty going forward into 2022.” Victoria is the most optimistic state, with 46 per cent of respondents believing 2022 will be better, followed by NSW where hope springs eternal for 44 per cent of people. In Queensland, only 29 per cent of people are similarly optimistic. Just 24 per cent of Western Australians think next year holds better things, followed by 22 and 20 per cent of people in South Australia and Tasmania, respectively.

This exceeds global optimism averaged at 77 per cent across various countries including the United States, Canada, Israel, China, the Netherlands, Great Britain and South Africa. “Despite another tough year, particularly after it started relatively optimistically, Australians continue to show their positivity, optimism and ability to bounce back,” Ipsos’ Australian director David Elliott said. Some 69 per cent of Australians think the global economy will improve next year, although 77 per cent expect prices to rise faster than incomes. The survey also found 76 per cent anticipate city centres becoming busy again. And nearly seven in 10 Australians expect more climate change-induced extreme weather events.

JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

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SMSF: Where is your Trust Deed and is it up to date? ACCOUNTANT By Warren Strybosch

For Trustees, it is important to make sure the original trust deed is kept securely and updated when new superannuation laws change; especially where those laws will have an impact on the decisions made by the trustees of the fund. A recent case, Jowill Nominees Pty Ltd v Cooper [2021] SASC 76, has highlighted the importance of ensuring that original trust deeds are kept securely, read and complied with. As highlighted in Jowill, one of the key duties of the trustee is to know the terms of the trust deed and keep the original signed trust instrument safe and secure. If the trust deed is lost, it is very difficult for the trustee to discharge their duties. The duty in this regard is heightened for SMSFs given the interplay of the concessional taxation regime and the legislatively mandated rules around membership and trusteeship. These risks are magnified if, as a further example, it is the trust deed of a related unit trust or limited recourse borrowing arrangement that is lost. Lost trust deed If a trust deed is lost and reasonable searches and inquiries had been made with all relevant persons, legal and accountancy firms and 3rd party authorities that could have been expected to hold a copy of the trust deed, without success, the trustees might be able to relay on ‘secondary evidence’ to prove the existence of a trust. However, the secondary evidence must be clear and convincing evidence not only of the existence, but also the terms of the trust. Secondary evidence For a court to be satisfied the secondary evidence is suitable, the text of the missing document must be able to reproduce the trust in full (see for example, Barp Nominees Pty Ltd [2016] NSWSC 990) and there needs to be evidence to satisfy the ‘3 certainties of a trust’, that is: a. b.

the identity of the beneficiaries; the property the subject of the trust; and

the nature of the trust (i.e. whether fixed or discretionary or an SMSF).

There are numerous instances of when trustee actions have not been permitted due to an outdated trust deed. If the Trustees were to undertake such actions without the authority of the trust deed they could risk, to name a few:

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Often, the information falls well short of producing the full contents of the trust deed and could not be relied upon.

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Failure of trust

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It is a timely reminder for all trust and SMSF advisers that the obligation to act in strict conformance with the terms of a trust deed is perhaps the most important duty of a trustee. Where, the deed has been lost, a trustee cannot discharge this overriding obligation and will be held to be acting in breach of trust. Therefore, if the trustee continued to deal with trust assets and administer the trust, they would effectively cause further breaches of trust, and this could lead to further sanctions. As an example, if a trustee were to make distributions, in the absence of a trust deed, this would be a clear breach of duty. Keeping it up to date Not only should the trust deed be read and heeded, it also should be kept up to date. Given the trust deed governs the operation of the Fund and provides guidance to the trustee as to the particular actions they can undertake, it is extremely important to ensure that the Trust Deed remains current and that the Trustee has the authority under the Trust Deed to act to the extent permitted by the legislation.

Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions; Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed; The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

Conclusion Trustees have a duty to account to the beneficiaries of a trust. Having a trust deed in place, that has been read, as well as the terms of the deed being heeded, provides a good starting point to avoiding many of the breaches that might otherwise occur. A trustee needs to discharge its duty by ensuring that the original trust deed is kept secure, but also read; and complied with. Lastly, the trustee needs to review the trust deed to determine if the trust deed needs to be updated to allow them to perform the actions required of them. At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

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

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

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Never Assume GENERAL INSURANCE By Craig Anderson

Different insurers have different wordings for their policies. Many will add very particular endorsements to their policy wording; either to extend cover, or to remove some aspect of cover. Therefore, it would be foolish to assume that the policy will meet your needs based on price alone. Yet many people assume all policies function in an identical manner, and that the only difference is price. If you were to assume, for example, that a Business Pack Wording from one major insurer is identical to a Business Pack Wording from another major insurer, you would be wrong. If you think that different policy wordings from two insurers will give identical responses to claims you would also be wrong. It does not follow that if one policy covers something then the other must also cover it. How do you know if your existing cover is actually right for you? You could scour through the multiple offerings in the market and establish what suits you best, or you could ask a broker to do the legwork for you. However, if you

are the type to take all of your advice from your neighbours while watching them cremate some sausages on their barbeque, then I suggest you rethink your approach.

There is no “magic bullet”. However with some good advice, the risks which cannot be covered under the policy, may be possible to manage out of the business.

Understanding what an insurance policy contract is designed to achieve will help you understand the limitations of what can be covered. This can take considerable some time and effort. If you have neither the time, nor the inclination to read through and understand the documents, it may be time for you to engage a broker.

For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au

If you have a discussion with a broker about your business, and ensure they have a good grasp of where your risk exposure comes from, you stand a very good chance of putting an effective policy in place. Foreseeable risks can be covered, however no policy is perfect.

Craig Anderson

Elective Surgery Wait Lists to Increase

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).

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

By Warren Strybosch

Public and private hospitals have temporarily reduced elective surgery to urgent procedures as the number of COVID patients increase. For the time being, hospitals across the state are only performing emergency or elective surgery procedures. The reductions will apply to many private hospitals and not just restricted to public hospitals. It is hoped that these restrictions will reduce the strain currently being placed on the hospital system as the Omicron strain continues to spread rapidly throughout Australia.

JANUARY 2022 | FIND KNOX

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How a CFO can Transform your Business BOOKKEEPER By Neha Nayyar

No matter how small your business may be, having a CFO can transform your business. Over many years in the industry, the three biggest challenges I see small to medium businesses face are cash flow, time management and growth. By engaging a professional who is solely focussed on the finances of the business, you can focus on the other core areas of the business whilst the finances are taken care of. What is a Virtual CFO? A Virtual CFO is a Chief Financial Officer who provides the services of a CFO but instead of delivering those services as a salaried employee, a virtual CFO works remotely and would usually be providing this service to several businesses concurrently.

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You instantly gain their experience and insights into small to medium businesses to be able to provide solid advice to your business. You can be assured that your finances are being handled by a skilled professional You don’t have the full cost of hiring an employee. Traditionally, CFO’s are executives who outrank managers and directors, and have a salary to match their executive title. You have someone proactively managing the finances at all times.

What are the Benefits of using a Virtual CFO: •

VCFO services are customised to your needs and budget, it is not a ‘one size fits all’ scenario.

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Confirm with them your expectations, their expectations and put these in writing. Obtain upfront all fees and charges so you have full transparency.

Having the confidence to make more informed financial decisions about your business is imperative for your businesses ongoing success. You can have the benefit of a high-level finance resource without breaking the bank. So many businesses happily outsource web design or marketing, so why not get a finance expert to assist you in transforming your business and setting you up for ongoing success. At Sum and Substance, we offer virtual CFO services, to find out how we can help you transform your business, 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.

Why would I use a Virtual CFO? Currently, there are more facts, figures and data available than ever before. A Virtual CFO will thoroughly analyse this regularly and provide you high level, strategic guidance. A VCFO provides insights on your businesses performance and operational advice based solely on your real time financials and business intelligence. They can provide strategic leadership behind the scenes, empowering business owners to make sound and informed decisions. A VCFO can help you set targets, allocate capital, manage productivity, assist with pricing, assist with debt and identify opportunities.

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What Should I Consider when Hiring a Virtual CFO? •

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Be sure to find out what their availability is, how much of their time are you paying for per month/ year etc. Check their credentials and testimonials. Start with verified online reviews such as Google.

Neha Nayyar Bookkeeper SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

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2022, A SIGN OF A GOOD YEAR TO COME SIGNAGES By Glenn Martin

Signs guide and inform us about almost everything. From roadways to shopping venues to healthcare, education, and houses of worship to sports and entertainment venues, we rely on signs to help us navigate our lives. Every business needs identifiers to advertise their location, their hours, and special events. Sign products abound for exteriors, interiors, windows, walls, and even vehicles for new businesses desiring to attract customers for the first time, as well as established businesses that want to update their brand message. Many considerations revolve around what type of sign products work for your business. For the exterior of your business, in terms of standing out in a crowd on a busy city sidewalk or attracting attention from vehicle traffic or pedestrian passers by, Signarama’s exterior sign products include: • Building Signs – Sophisticated dimensional lettering, LED lightboxes, and back-lit LED signs add a layer of professionalism to your signage and get noticed day or night. Digital displays can be programmed to advertise specials and updated information for clients and passersby. • Freestanding Signs – Elegant monument signs mark entrances in high style. They’re constructed to coordinate with your building’s exterior in carved and sand-blasted finishes. Post and panel signs can make a huge visual impact and businesses can save some money by changing just the faces of their signs from time to time. • Awning Graphics – Stylish and eyecatching, awning graphics punch up your company’s advertising potential and visual impact in a unique way that may work well with your building’s architectural style. • Flags and Banners – Feather and teardrop flags advertise your location with motion that gets the attention of passers-by, as do sophisticated vertical banners and eye-popping horizontal banners. These can be custom designed to suit your needs and made of various materials. • Vehicle Graphics – Fleet graphics, vehicle wraps, decals, custom lettering and magnetic vehicle

Wall Graphics

Vehicle Graphics

Window Graphics

Building Signage

Freestanding Signs

A-Frames

signs add effective exposure for your business as mobile billboards everywhere you go and everywhere you are parked. Interior signage sets the tone for all who enter your business and can add a unique WOW factor to your interior design. Signarama’s interior sign products include: • Dimensional Lettering – Back-lit channel lettering enhances your brand image on walls, in foyers and reception areas, making a huge first impression. • Window Graphics – Turn your storefront or office front windows into a powerful marketing tool with etched and frosted glass looks or create some privacy with seethrough perfs for your windows that don’t compromise your natural light. • Wall Graphics and Murals – Enliven empty wall space with Signarama murals and wall graphics featuring bold logos and hi-res images in your lobby, fitting rooms, break room,

hallways, or even in your conference rooms. • Floor Graphics – Vinyl floor decals take advantage of an often overlooked marketing opportunity to advertise or guide customers to your trade show booth or even to a specific sale or promotion in your store. With many years’ experience in the field, Signarama are able to work with you to design, manufacture, install your signage, offering innovative solutions for all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, visit our website or simply call 1300 633 902 to get in touch with our team of experts today.

Glenn Martin mitcham@signarama.com.au JANUARY 2022 | FIND KNOX

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RAT in demand but States are responsible for supply By Warren Strybosch

The undersupply of Rapid Antigen Test (RAT) kits is causing frustration and concerns for many business owners and consumers alike. With PCR sites turning away people from as early as 4.30am in the morning, everyone is struggling to know how to move forward. What makes matters worse is that the RAT kits are only free to those who have a Commonwealth seniors health card, a healthcare card, a low-income card, a pension concession card, DVA Gold card or a DVA white card, leaving the rest of Australians having to pay out of their own pockets. The prime minister announced that anyone selling rapid antigen tests at more than a 20 per cent mark up would be in breach of a biosecurity regulation declared by the Health Minister. “And that carries a penalty of $66,000 and up to five years in jail,” he said. “We will include rapid antigen test as those products covered by the export controls that we put in place.” Mr Morrison said a purchasing restriction of one box of rapid antigen tests per person would be put in place. The Government is under pressure to provide free RAT kits and more of them. However, it is estimated that it is costing the government $50,000 per person per year to manage the COVID virus. No wonder the government has moved away from government controls to more of a self-managed approach where people are now required to purchase their own RAT kits, and self-isolate for 7-days if the test comes back positive. Interestingly, it has been heard that the RAT needs to be monitored closely and that at the 15-minute mark, the ‘true’ result will be displayed and after that the RAT test is known to display a negative result even if at the 15-minute mark, the test showed a positive test. The federal government has stated that the states are responsible for the purchase and administration of the RAT kits. Also, the federal government has stated that RAT tests do not need to be reported. As per the norm, the Victorian State Government has once again gone against federal government mandates, not only are they complaining they should not be responsible for providing RAT kits (no wonder Victoria has run out), but the state government are insisting that anyone who records a positive RAT result must report it immediately. Hopefully, the Labor government can find some additional supplies so that business owners and the wider community can get on with their lives.

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Photo credit: Jenean Newcomb vis Unsplashed

Torticollis and Breastfeeding Difficulties LACTATION CONSULTANT By Dr. Joanna Strybosch

In my private osteopathic and lactation consulting practice I see quite a number of babies who have a persistent head tilt or turn. This condition is called torticollis (latin for “twisted neck”) and most of these cases are what we call congenital muscular torticollis. This means the baby was born with it and its origin is muscular. When the sternocleidomastoid (SCM) muscle in the side of the neck is shortened, contracted or tight, it produces a characteristic tilt of the head to the affected side as well as a turn away from that side. In some babies, the head tilt component is more noticeable and in others it is the turn. The condition makes it difficult and uncomfortable for the baby to hold their head straight or to turn it the other way. The cause of congenital muscular torticollis is usually due to the way the baby was positioned in utero. When a developing foetus grows in a restricted position within the confines of the uterus, their head can be abnormally tilted to one side. This persistent position impacts the way the SCM muscle grows and

develops and then after birth the altered tone of the muscle affects its function and we see the characteristic postural changes.

history of difficulty with latching. It is also why I often want to observe and assess a breastfeed when mum reports a head tilt or preferential turn.

Sometimes a baby’s head tilt is not very noticeable at birth, and it is not until the baby reaches a few weeks or even months of age that a caregiver may begin to notice it. However, it can be a missed cause for early breastfeeding difficulties.

As both an Advanced Pediatric Osteopath and an International Board Certified Lactation Consultant (IBCLC), I find combining these two skill sets invaluable in the assessment and management of congenital muscular torticollis and to provide good clinical outcomes.

In order to latch correctly, a baby must be able to position at the breast comfortably. If a baby has restricted movement in their neck from torticollis, there will usually be challenges for baby to turn into the breast on one side and this will manifest as difficulty latching and/or sustaining a latch. Baby may have difficulty latching onto the breast altogether, they may slip on and off repeatedly, they may come off early and cry, or they may tire quickly and stop before they have had a full feed. Baby often has extra difficulty regulating their state, quickly becoming unsettled and overwhelmed at the breast, and unable to relax enough to feed well.

As an osteopath, I usually provide gentle hands-on treatment to massage and relax the tight SCM muscle. I also advise parents on different home-based strategies, such as the best positions to hold baby in while breastfeeding, ways to gently and safely stretch the affected side of the neck and how to use tummy time to effectively assist in the management of this condition. Most babies go on to recover and to breastfeed well.

This is one reason I always assess a baby’s neck during a lactation consultation, and especially if mum describes a

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com JANUARY 2022 | FIND KNOX

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Tips for clear communication

ACCREDITED EDITOR By Susan Pierotti

We’ve all heard of the Charge of the Light Brigade. It refers to the slaughter of an English brigade in the Crimean War of the 19th century. Did you know they all died because of poor communications? The Crimean War Let’s backtrack a bit. Russia throughout its history has sought a warm water port for its fleet and for essential supply chains, preferably one linked with the Mediterranean Sea. In the 19th century, Russia was expanding its territory across Asia and Europe while its neighbour, the Ottoman Empire in Turkey, was slowly but surely disintegrating. Russia thought to expand into the Black Sea and used the Crimean Peninsula as its diving board into warmer climes. Turkey asked Great Britain and France for help against the invasion, which is why, on a late October day in 1854, the British, French and Turkish armies stared down a valley at their Russian enemy. There were only two mounted brigades, one of which was the Light Brigade. As the name suggests, it consisted of light, fast, unarmoured horses and men armed with lances and sabres, but no guns. They were trained and armed for maximum mobility and speed, not a long march or a hand-to-hand battle. What was that again? Lord Raglan commanded the entire army. Lord Lucan had overall command of the cavalry units and the Light Brigade was commanded by Lord Cardigan. Lucan and Cardigan were brothers-inlaw—and they hated each other. The problem began when Lucan received a message from Raglan stating:

Lord Raglan wishes the cavalry to advance rapidly to the front, follow the enemy, and try to prevent the enemy carrying away the guns. Troop horse artillery may accompany. French cavalry is on your left. Immediate. The Russians were attempting to take away the huge guns up on the hilly rise. What Raglan didn’t realise was that Lucan couldn’t see them. He was down on the flat plain and the only Russians he could see were ahead of him, massed for battle and armed with rifles but with no big guns. To make matters worse, the message had been drafted by someone other

than Raglan and delivered by another who, when asked by Cardigan which guns, pointed to the wrong ones! You want me to do what?! Cardigan could have asked for clearer orders but that meant having to swallow his pride and ask Lucan for clarity. Instead, he obeyed the orders and rode in front of his 670 men down a narrow valley flanked on three sides with enemy fire. Lucan never sent the promised horse artillery, thereby sealing the fate of 118 men, with 127 wounded and 335 horses destroyed. Lessons learned How does this apply to our 21st-century lives? No matter who you are, there are many times and situations where you will need to send a precise, unmistakable message. A parent emailing the school principal about her child being bullied, a business owner sending a final warning to an employee, a warehouse manager ordering supplies – all require the art of clear communication. If you want to send a message that cannot be misinterpreted (especially one that could save lives!), don’t: • • • •

get someone else to draft it assume the receiver will have all the information you have give someone to deliver it who gives the wrong information trust that people will overcome entrenched hostility to one another for the common good.

Clear communication is vital in this age of fast internet access. A few helpful tips: • If you are feeling emotional, scribble your first draft with pen and paper, then tear it up. Drink a glass of water, breathe deeply, then go to your computer and start typing. • Show someone else what you’ve written. Accept that you may have left out stuff in your haste to get your thoughts down. • Your reader will respond better to your showing them what the issue is with some offered suggestions on how to solve it, rather than outpourings of how it has affected you emotionally. • Read through everything you’ve written before you click the send button. In fact, why not seek out a writing professional to assist you with all your communication needs? Contact us at info@creativetext.com.au if you want help with business content, life story telling or editing.

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

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Your New Year’s Resolution Review Your Finances MORTGAGE BROKERING By Reece Droscher

During the Christmas and New Year period we are focused on spending time with family, perhaps getting away for a well-earned break and preparing to put a difficult 2021 behind us. This time of year is a great time to relax and enjoy being with our loved ones, but it is also a time where a lot of us find ourselves in a difficult financial predicament due to over-indulgence with spending. That’s why the festive season is a great time to review your finances and help yourself into a better position going in to 2022. I have listed below some areas where taking the time to review your finances could have a major impact on saving you money. CREDIT CARD DEBT The most common problem we have once Christmas is over is looking at our credit card statement and wondering how it managed to get so out of control. Should you find yourself in this situation there are a number of potential solutions to help get your credit card debt back under control. 1. Consolidate your credit card debt into a Personal Loan or Home Loan. By consolidating your debts you will have a set term to repay the amount owing at an interest rate which is generally much lower than what your credit card costs. However this may also mean you are paying the debt back over a long term, so you need to be disciplined to ensure you repay the debt quickly. You don’t want to still be paying off this year’s Christmas presents 5 years from now. Set yourself a maximum two year term to repay the debt in full. 2. Reduce your available credit limits. Once your credit card repayment arrangements are in place reduce your available limits to ensure you cannot get yourself into this position again. By having a small limit you will be able to manage the repayments more comfortably and clear the debt without further assistance.

3. Look for balance transfer deals. A number of lenders will offer either low or even zero interest rates on balance transfers of credit card debt. These offers usually come with a time limit to repay the amount owing in full. On the surface this is a great way to manage paying your accumulated debt, however there are potential traps that you should avoid. If you are able to access a balance transfer deal you should cut up the card, so you are unable to use it and add to the level of debt. You can then set up a budget to repay the amount owing within the agreed term. AFTERPAY/ZIPPAY ACCOUNTS Many people are unaware that these types of buy now/pay later options come with a credit limit, and also now appear on your credit records. Banks treat them exactly like a credit card when assessing finance applications, so minimising their use will ensure your credit score is not negatively affected. If you do get into a predicament with these types of accounts then the tips to helping with credit card debt will also apply here. REFINANCE TO A BETTER HOME LOAN Now is also a great time to review your Home Loan to make sure your lender is providing you with the most suitable loan to suit your needs. During the year we are generally so busy with life in general

that reviewing what is usually our largest expense is put in the too hard basket. By taking some time now to see whether your current Home Loan is the best option you could save yourself thousands of dollars in interest and several years in time taken to repay your loan. BUDGETING To avoid getting yourself into a financial predicament in the future set a realistic budget to keep a track of your spending and, most importantly, stick to it. Why most budgets fail is that we place unrealistic expectations on ourselves. By setting realistic goals we are more likely to achieve them. Being consistent and putting smaller amounts into savings on a regular basis is more effective than making larger deposits at random. Your spending habits will also be aligned to your savings goals, but don’t be too hard on yourself if you have a period where you are unable to reach your savings goals due to unexpected expenses. Things happen. At SHL Finance we would love the opportunity to discuss your finance requirements with you. Please call Reece Droscher on 0478 021 757 to find out how we could help you save money or improve your financial situation.

Reece Droscher Mortgage Broker SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au JANUARY 2022 | FIND KNOX

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What age should I retire? FINANCIAL PLANNING By Warren Strybosch

Retiring is a big life decision and does not occur overnight. For many it is a thought that usually starts to seriously be considered around age 65 and was likely bubbling from age 55 onwards. For many the decision when to retire is carefully thought out and planned but for some the decision is made for them. Redundancy, ill health, losing one’s job, and most recently, deciding not to be vaccinated, may force you to lose your job and/or leave the workforce before you had intended to do so. We often have clients approaching us as they get closer to age 65 or after they have turned aged 65. Many people believe age 65 is considered the benchmark age to retire. This is likely due to the fact that for many years you could not receive the Age Pension until you turned age 65. Now that the age pension age has increased to age 66 and by 1st July 2023, the eligibility age will be age 67, it is likely the benchmark age will move from age 65 to age 67; in fact, we are already starting to see this occur. Australians are very fortunate because there is no legal requirement to stop working. It provides people with the ability to keep working for as long as they want to but for many this is not their desired outcome. Working after age 65 is considered a less than desirable position to find yourself in.

• Preservation age: This is the age when you can access your super provided you have also met a condition of release such as retiring. Your preservation age is between the ages of 55 and 60, depending on your date of birth. The important point to note is that drawing down your super prior to age 55 comes with it tax implications whereas after age 60, any pension income is taxfree.

Once you reach 65, you can access your super even if you haven’t retired. Even then, there is no compulsion to withdraw your super – you can leave it untouched for as long as you like if you have other sources of income. You can also continue making super contributions until you turn 74 (work-test requirements from age 65 to 74 are due to be removed in early 2022).

• Age Pension age: This is the age when you can access a full or part Age Pension. This age will rise progressively to 67 by 1 July 2023.

Accessing your super or the Age Pension is only one component you need to address when considering retirement.

You can still access super and continue to work

Access to super and the Age Pension

After age 58 (moving to age 60 by 2024), you can continue working part time until age 65 and replace some income with a transition to retirement pension. This allows you to preserve most of your nest egg while easing into retirement and do some other things you have been putting off until retirement. We believe it is more important than ever to take mini retirements before fully retiring. Too often, we have seen clients push out retirement and once they finally retire, they cannot fulfil their dreams because one partner has become seriously ill.

Often, the real question they are asking is, “When can I access my super or the Age Pension.” The age rules for each are different, which no doubt causes much of the confusion.

When you stop working after age 60, you can access your super tax free whether you take it in the form of a lump sum, income stream or a combination of the two.

Many people are quite capable of looking after their own finances whilst they are working however, we tend to find that they will start seeking advice in their early sixties or as they approach retirement. They want to answer the question, ‘When can I retire?’ or ‘What age can I retire?’ or “Will I have enough to retire and/or ‘What they should do with my assets, and should I consider placing them into super?’

So, when do you retire?

For many people, a big question is whether they will have enough money to live off when they do eventually retire. Interestingly, many self-funded retirees end up spending less and going without to try and maintain their capital base because they fear they will not be having enough in their later years, or because they want to live something for their children. Often, when you do the modelling, many retirees could easily spend more and still have plenty left over at the end of their lives. It is important, before you start dipping into your savings, to think carefully about all the factors that might have a bearing on your retirement finances. These include: •

How long you might live. None of us knows the answer to this, but your general health and well-being provide a clue, as do population

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JANUARY 2022 | FIND KNOX

mortality rates. Today’s 65-year-olds can expect to live to an average age of 84.9 years for men and 87.6 for women, or roughly 20 and 22 years respectively. Many of us will live well into our 90s. Your retirement income needs.

look at all aspects of your financial situation and provide sound advice you can rely on.

This will depend on the lifestyle you hope to lead and how much it costs. As a rough guide, the ASFA Retirement Standard suggests a comfortable lifestyle will cost today’s homeowner retirees about $62,000 a year for couples and $44,000 for singles. Contrast this with the full Age Pension which is currently around $37,000 for couples and $24,500 for singles. That’s quite a gap that must be filled by super and other private savings.

a. Cash flow analysis b. Comparing ‘needs’ vs ‘wants’ c. Obtaining Life-time Income Stream (LIS) quotes d. Discussing various income stream models to determine what is most appropriate for you e.g., do you require an allocated pension, LIS, or both? e. Understanding your future goals and needs f. Preparing detailed modelling that covers a variety of scenarios e.g., do you keep the investment property, sell the investment property, downsize, and so on. The modelling will also answer all your questions e.g., how long will my super last, when will I get the Age Pension, what are the tax implications of the choices you make, etc. g. Once the modelling scenario has been chosen and you know what course of action is to be taken, we then provide advice regarding the investments to support your chosen scenario. h. We then implement it all and get you set up ready to enjoy your retirement. i. Every six months we then review your situation to make sure it is still relevant and meets your needs now and in the future.

•

Working out whether you will have enough to retire on or not is crucial before you retire. For many people, doing the modelling, is beyond their scope, especially where property or other income generating assets are involved. It is important to seek advice from a professional financial advisor. Find the right advice Australians are staying longer in the workforce, a trend that is likely to continue as the age at which people can access the Age Pension increases to 67. Currently, the average age of retirement has increased to 63. When you start considering retirement, we recommend you seek professional financial advice. A good advisor will

At Find Retirement, we take clients through a rigorous process which includes the following:

At Find Retirement, we don’t want fees to be a barrier to seeking sound financial planning advice. As such, we aim to keep our fees as affordable as possible for the average Dad and Mum client. The first meeting is free and there is no obligation to continue with our services. We encourage you to book a time to discuss your retirement needs with us when you are nearing retirement. This information is current as at January 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to warren@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

JANUARY 2022 | FIND KNOX

FIND KNOX | JANUARY 2022

www.findknox.com.au

How To Set Yourself Up For Success In 2022 BOOKKEEPER By Neha Nayyar

Well 2021 is finally behind us, hopefully 2022 can only bring us bigger and better things. For many people, January is the perfect time for reflection on the year that was, and goal setting for the future. Setting yourself up for success this year shouldn’t be hard or overwhelming. Here are some simple ideas to get started. Ensure you are on the cloud As technology rapidly advances, it is more important than ever that your business is keeping up. Touch of button reporting, fast payments, invoicing, and payment gateways all help us do business better and faster. Customer expectations are high where technology is concerned, don’t get left behind. If cloud accounting seems overwhelming, talk to a trusted bookkeeper or accountant about your concerns, I am sure they can out your mind at ease.

Leave it to the experts Times have changed, as a business owner, you no longer need to ‘do it all’. There are so many outsourcing opportunities for you to make the most of. By looking into outsourcing, so you will see just how affordable these options may be for things like bookkeeping, marketing, recruitment, event management, admin… etc. Don’t let the word ‘outsourcing’ put you off, think of getting your taxes done by an accountant, that is outsourcing. Ask around, I think you would be surprised at how many business owners outsource many of their tasks, leaving them more time to do what they love- whether it is building their business or spending more time with loved ones.

Use downtime for training When you have downtime in your business, use it to invest in yourself. This is so important and one thing that constantly gets overlooked by business owners. With the online world we live in, “training” is not what it used to be, you no longer need to set aside days and pay big dollars for facilitated training sessions onsite. There is plenty of free training and upskilling out there- start by looking on LinkedIn for free courses, and there are also plenty of paid online courses for whatever niche your business is in. Check out the reviews to make sure they seem suitable and go and learn new skills. Choose courses or training that interest you and that will assist you in building your business.

year? By having an expert eye look over your books for a reasonable fee, you can start the year knowing you are on a solid path to growth. By ensuring you have everything in order and the best systems in place, you know you have a great base, and the figures are then one less thing you need to worry about. At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners to make informed business decisions. Please contact us if you would like more information about our Health Checks. 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 Get your books looked over Are you sure you are on track? Same old spreadsheets being used year after

SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

www.findknox.com.au

JANUARY 2022 | FIND KNOX

New Figures Reveal Post-Lockdown Job Boom Andrew Brown

(Australian Associated Press)

The federal treasurer remains confident a surge in Omicron cases across the country won’t derail Australia’s economic rebound, following last year’s COVID-19 lockdowns. It comes as new figures released by the tax office showed 485,000 jobs were created across the nation since September. Josh Frydenberg said the country had experienced a jobs boom in recent months. It’s estimated there are 180,000 more people in work now compared to the beginning of the pandemic, “Small businesses across the country who did it so tough early on are now coming (back) better,” Mr Frydenberg told Sky News on Monday. “We’re starting to see these jobs coming back and it’s looking very promising for the Australian economy.” The Australian Taxation Office data on Monday comes after the unemployment rate recently fell to 4.6 per cent, which was a 13-year low. Meanwhile job advertisements are at a 13-year high, with more than 250,000 positions available.

“What we’ve done so far during the pandemic here in Australia is avoid a repeat of the experience of the recessions that we had in the 1980s and the 1990s,” Mr Frydenberg told reporters. “We’re not out of this pandemic, there is no room for complacency, and we need to lock in this economic recovery.” Opposition Leader Anthony Albanese said the rebound in jobs figures was only because the economy had shut down due to government failures surrounding COVID. He said the new data didn’t tell the full story regarding employment. “One of the things we see with the jobs figures is the fact that two million Australians are either unemployed or want more hours,” he told reporters in Newcastle. “They want full-time, permanent jobs, and one of the things we’re seeing in Australia with the insecure work is more casual jobs, less permanent jobs and less security for people.” The tax office data takes in the period following the lifting of lockdowns driven by the Delta variant in NSW, Victoria and the ACT. COVID-19 restrictions across the country eased after the lockdowns ended, but infection case numbers have surged in recent weeks due to the spread of the Omicron variant.

But despite the rise in infections, Mr Frydenberg said the economic recovery was still on track. Mr Frydenberg said there would be a natural progression in allowing international tourists to return to Australia, after travellers from overseas were largely blocked from coming to the country for nearly two years. Responding to calls by leading economists for a more aggressive approach to migration to help fill job vacancies following the pandemic, the treasurer said it would be done in a measured way. “We’ll continue to have a balanced, considered approach to migration,” Mr Frydenberg said. “We did see throughout the pandemic last year and the year before that, population growth (was at) … the lowest level in more than a century. “This is going to be one of the more permanent impacts of COVID on migration.” Skilled workers, visa holders and international students have been able to return to Australia without the need for a travel exemption since mid-December.

JANUARY 2022 | FIND KNOX

2022 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

JANUARY 2022 | FIND KNOX

REALESTATE JANUARY 2022

REALESTATE

FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

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

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

January 2022 REALESTATE

Free Bike/Scooter/Skateboard Maintenance workshop for 15 to18 years olds Knox Skate and BMX Park, Gilbert Park Pavilion, Knoxfield Saturday 22 January 1.00 – 3.00PM

Learn How To Look After Your Skateboard, Bike Or Scooter

Run by a professional cycling instructor, this session will be an interactive, hands-on bike, skateboard or scooter maintenance experience. The workshop will include a demonstration and explanation of bicycle/scooter/ skateboard maintenance essentials, and there will be opportunities for teens to practice on their own equipment. These sessions are aimed at building confidence for kids to ride/scoot/skate for transport and recreation. Register now.

My Energy and Water Saver Kits Measuring your energy and water use at home, will help you identify where you can reduce usage to lower your bills. Borrow the My Energy and Water Saver Kit from your local library today. We worked in partnership with Maroondah and Yarra Ranges Council to develop these kits for our community. These kits are designed to improve energy efficiency around the home, and help households reduce emissions to tackle climate change. A total of 3 kits are available for loan through the Eastern Regional Libraries network. Each kit comprises of the following items: • • • • • • •

thermal imaging camera power meter stopwatch thermometer Energy Freedom Home Book CSIRO Home Energy Saving Handbook instruction guide

The easy-to-use kits come with a step by step guide to help you check for water leaks, inefficient fixtures, high energy use items, costly energy consumption behaviours, and building design flaws such as gaps. With this information, you will be able to take action to improve energy and water efficiency around the home, and benefit from cost savings on your bills. Knox households account for 18% of total greenhouse emissions in our community.

As part of our Climate Response Plan 2021-2031, we are providing a range of programs to help our community to lower emissions and reach net zero by 2040. Start saving and visit your local library to loan a kit for your home. Learn more about our residential sustainability programs on our Energy efficiency and greenhouse emissions web page.

January 2022

Children’s COVID-19 vaccine available

While children are less likely than adults to experience severe symptoms if they contract COVID-19, some can still get very sick – this includes children with preexisting conditions such as obesity, Down syndrome or cerebral palsy. Accessible options and supports are available for children who may have mild anxiety about vaccination or minor behavioural issues, as well as children with developmental disabilities, autism and/or sensory issues. Services are available for children with more severe needle phobia. Children will receive direct protection against COVID-19 with the first dose. A second dose can be given 8 weeks later. Vaccination will prevent transmission to other children and older age groups, including family members who may be at higher risk, such as grandparents.

Children aged 5-11 can now receive the Pfizer COVID-19 vaccine. Vaccines are available through participating general practices, pharmacies, Aboriginal Controlled Community Health Organisations and family-friendly state vaccination centres, including some with a ‘Forest of Protection’ theme for children to enjoy.

Forest-themed sites are located at Melton Vaccination Hub (indoor and drivethrough), Campbellfield Ford Complex, Cranbourne Turf Club, Sandown Racecourse, Frankston Community Vaccination Hub, Geelong’s former Ford factory, Shepparton Showgrounds and Traralgon Racecourse. There will also be some communitybased vaccination clinics, including at primary schools in Term 1.

Vaccinating younger children means there is less chance of school closures in future – this will help kids to have more face-to-face learning and play time, engaging in different activities and being with their friends. Paediatric bookings can be made online at www.coronavirus.vic.gov.au/vaccine, via the Coronavirus Hotline on 1800 675 398 or at your local pharmacy or GP.

Fire Danger Period begins Monday 10 January Preventing bushfires is crucial during this time of year.

Phone 000 immediately if you witness any fires or suspicious behaviour.

The Country Fire Authority has declared the Fire Danger Period for Knox begins Monday 10 January at 1am.

Hazardous properties

During this period, there are specific restrictions on all fire activity. Knox residents are encouraged to check information about banned and permitted activities during the Fire Danger Period at the CFA website. We also recommend reading our emergency preparation booklet to protect you and your family. Download emergency preparation booklet

Residents of the Bushfire Management Overlay area [link to Bushfire Management Overlay page] of Knox must maintain their properties to prevent risk of fire. Fire Prevention Notices may be issued to properties that are assessed to have fire hazards, with substantial fines for non-compliance.

Learn more about fires and fire management

JANUARY 2022 | FIND KNOX

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

Knox

SUPPORT YOUR LOCAL

NOT-FOR-PROFIT

Knox

Westfield Knox is one of the largest shopping centres in Melbourne. Located at the foothills of the Dandenong Ranges approximately 25 kilometres east of the CBD, it is easily accessed by major arterial roads, including the Monash and Eastern Freeways. The centre currently caters to a trade area population of approximately 478,000 people, with a total accessible market of 2.2 million residents. The centre is home to a range of Australia’s most well-known retailers including Myer, Kmart, Target and Coles. There is also a Village Roadshow cinema complex and a broad mix of retailers including over 380 specialty retailers. Westfield Living Centres are open and trading. Visit your local centre website for the most up-to-date retailer information and opening hours as these will vary for each state and territory.

Shop

Eat

Ghostbusters: Afterlife In Ghostbusters: Afterlife, when a single mom and her two kids arrive in a small town, they begin to discover their connection to the original ghostbusters and the secret legacy their grandfather left behind. Find out what else is new for big kids and grown ups too > Game on Mix up the holiday activities and impress the kids with your skills at Timezone and be hailed the hero of the holidays.

Welcome to the ultimate guide to making the most of the summer school holidays at Westfield Geelong. From events to new movie releases, now is the time to create your game plan for maximising fun with the kids before the school bell rings again. Sit back, relax and enjoy the movie Leave the entertaining to the big screen and catch up on the latest releases for kids at Village Cinemas. Popcorn for them, plus downtime for you, everyone wins. Minions: The Rise of Gru In the heart of the 1970s, amidst a flurry of feathered hair and flared jeans, Gru is growing up in the suburbs. A fanboy of a supervillain supergroup known as the Vicious 6, Gru hatches a plan to become evil enough to join them. Luckily, he gets some mayhem-making back-up from his loyal followers, the Minions. Clifford the Big Red Dog When middle-schooler Emily Elizabeth meets a magical animal rescuer who gifts her a little, red puppy, she never anticipated waking up to find a giant ten-foot hound in her small New York City apartment. While her single mum is away for business, Emily and her fun but impulsive uncle Casey set out on an adventure that will keep you on the edge-of-yourseat as our heroes take a bite out of the Big Apple. Based on the beloved Scholastic book character, Clifford will teach the world how to love big!

Ready, get set, play! Let them burn off extra energy at Funtopia, Lollipops Playland, or Timezone located in Ozone whilst you take a brief moment to yourself - it's a win-win situation! Worked up an appetite? Make sure you’re fuelled up to continue on your escapades around the centre and beyond. Whether you’re after an allergy-friendly menu or the best babyccino in town, there’s something for everyone.

Fun at home For more ways to entertain the kids, check out our Kids in the Kitchen series for fun recipes for little hands. Pick up the ingredients you need from Coles or Marketplace Fresh. •

Kids in the kitchen: Treats that are almost too cute to eat >

Unlock exclusive benefits with Westfield Plus Make the most out of the school holidays (and every day). Download the free Westfield Plus App to access member-only offers, events and services that’ll make your centre experience so much more awesome. Become a mem ber today

JANUARY 2022 | FIND KNOX

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHERE WE WORK

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

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

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

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findknox.com.au

JANUARY 2022 | FIND KNOX

IS IT POSSIBLE TO LIVE YOUNGER?

Photo by Anastasia Shuraeva from Pexels

RETIREMENT By Bernard Kelly MBA

In 2002, Becca Levy’s (Yale University) research provided us with evidence that adopting a positive mindset on aging creates 7.4 years of additional life, all other variables being equal. But how can you actually live younger in your retirement years? With lifespan increasing significantly, we’re sure that this question has been on your mind. Here’s a few ideas: 1. Get creative and stimulate your mind. It’s fine to do a daily Sudoku puzzle, but to live younger, you really should go a few steps further - towards Creativity. This is when you develop new and original ideas, methods or objects. An example would be when you establish a $2 Travel Club – arrange excursions on your local metro network at the daily senior’s fare.

2. Engage with people of all ages. One of the attractions of volunteering is that you create friendships with likeminded people. You too can achieve this level of satisfaction if you commit to keeping yourself updated on social media. Just pick any platform and start conversions with your peers - on any topic that interests you.

would all satisfy – as long as you commit and become part of the team. Then get further involved by watching relevant YouTube videos. 5. Learn from your younger self. If you are still looking for direction, reflect what were your dreams were at age eight, or twelve or as a late teen.

3. Stand up for what you believe in.

That’s where you’ll find your energy and excitement and the route to living younger.

Today, you don’t need to be out in all weathers on Sundays at Speakers’ Corner.

As over half of us will live at least until our mid-nineties, our retirement years are likely to span several decades.

Today, all you need to do is write a blog.

That’s a long time to be bored, which is why attempts at living younger are so vital.

Blogs are easy – step 1. chose a descriptive name, step 2. register your blog, step 3. write and publish your first post. 4. Commit to a cause You up the voltage on living when you commit to a cause. Earthquake relief, saving an endangered species or education for the marginalised

Bernard Kelly MBA is a retirement coach. Feel free to contact him anytime. His email is bernardkellygeelong@gmail. com

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

JANUARY 2022 | FIND KNOX

PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to warren@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

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PROFESSIONAL SERVICES HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover

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

When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time.

We provide ourselves in providing honest advice that you can rely on. 1300 88 38 30

warren@findinsurance.com.au

www.findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document 4. Full service package (and more)

KATHY ISMAIL

www.kirachitecture.com

ARCHITECT

Make your writing ZING! SERVICES • Book Editing • Memoirs and Life Stories

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

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0437 127 159

• Indexing

JANUARY 2022 | FIND KNOX

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PROFESSIONAL SERVICES

Melbourne’s Best Kept Parenting Secret Einstein once said: “We cannot solve our problems with the same level of thingking we created them. Likewise we cannot solve our current issues for the generations today with the same thinking, rules and conditioning of the past!

Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418

Leadership and Parenting Disruptor Lesley Banton 0432 848 418 www.theparentwhisperer.com.au

Save Your Time & Grow Your Business • New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up Sum and Substance Bookkeeping, Training and VCFO services

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar • Small and Medium Size Business Owners

9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095

• Setup, Training & Review

Office: (03) 9424 9447

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

ADVERTISE HERE

ABN: 26689211803

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PROFESSIONAL SERVICES

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

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

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.

• Design

Get in touch today. 03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS • BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

Mark has a varied work experience, including 12 years in manufacturing as a manager and 19 years as a financial planner. He uses his wide range of experience and knowledge to quickly identify the right course of action, and uses his expertise to help you solve any problems.

Areas of Expertise

Contact Details

º WHS/ OHS

mfelton@beaumontlawyers.com.au

º Manufacturing

03 9727 1376

º Regulatory Compliance º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Business Management º Operations

CONNECT NUTRITION 248 Main St, Lilydale Melbourne 3140 | (043) 245-3923 SHAKES

8.5

• Aero • apple pie • berry-licious • birthday cake • bounty • caramel latte • jaffa • lemon cheese cake • oreosn'cream • peanut butter • pina colada • redskin • snickers

FITNESS SHAKES

9.0

• OG • Gladiator • Beast • Ironman All shakes are low in sugar, contain 17-33 grams of protein, 21 essential vitamins and minerals, and range between 200-350 calories.

TEA DROPS • blue lagoon • gummy bear • hocus pocus • hubba bubba • hulk • jolly rancher

7.0 • lemon cherry bomb • margarita • peachy mango • to the moon • skittles • sour worm

.....upgrade to a loaded tea +2.0

Each tea drop is high in antioxidants and less than 20 calories per serve! Upgrade to a loaded tea to boost your Vitamin B and C and get a burst of natural energy with Gingko Biloba

Our promise is to create delicious, naughty but absolutely healthy smoothies, as well as energising teas that are loaded with nutrients and vitamins, so that everyone in our community can enjoy becoming the best version of themselves!

ICED COFFEE

5.0

• mocha • macchiato

BOOSTERS

5.0

• nrg • focus • cleanse • hydrate

PROTEIN BARS 4.0 • citrus lemon • chocolate peanut • vanilla almond

• Ask about our 3-Day Challenge • Ask about our FREE wellness profile and meal planning • Ask about getting products to take home

JANUARY 2022 | FIND KNOX

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LOCAL TRADIES

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

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

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 41 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

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

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

139 x 96 mm - 1/4 Page Portrait

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

FOR YOUR WORKPLACE

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LOCAL TRADIES

100% FREE, TWO-WEEK TRIAL 100% FREE, TWO-WEEK TRIAL FOR YOURFOR YOUR WORKPLACE WORKPLACE WE'R

MACCHIATO

CAPPUCCINO

E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

▪

State-of-the-art Swiss technology

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Sleek design that fits the modern office

MACCHIATO

Grinds fresh beans for each cup, no powders 100% FREE, TWO-WEEK TRIAL Automatically heats and froths fresh milk for each cup FOR YOUR WORKPLACE MORE THAN JUST ESPRESSO ▪

FLAT WHITE

▪

DELIVERY & INSTALLATION

CAPPUCCINO

SHORT BLACK

MACCHIATO WE'R ▪ ▪ ▪ ▪

E SO CONFIDENT YOU’LL LOVE IT, LATTE

OUR OFFER IS UNBEATABLE! BOOK YOUR FREE TRIAL NOW State-of-the-art Swiss technology by calling

LONG BLACK

Sleek design that fits the modern office

XPRESSO DELIGHT WARRANWOOD Grinds fresh beans 0 for cup, CAPPUCCINO 4each 18 3 93no0powders 85 Automatically heats and froths fresh milk for each cup

....and many more! FLAT WHITE

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION WE'R

SHORT BLACK

E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

▪

State-of-the-art Swiss technology

▪

Sleek design that fits the modern office

▪

Grinds fresh beans for each cup, no powders

▪

Automatically heats and froths fresh milk for each cup

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 39WHITE 3 085 FLAT

LONG BLACK ....and many more!

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION

SHORT BLACK JANUARY 2022 | FIND KNOX

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HOME & GARDEN

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

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

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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 ----------- 43 • 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 2022 | FIND KNOX

SPORTS

editor@findknox.com.au

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

SPORTS

Do you have Photos from a local sports event or even a great story you would like to share?

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

JANUARY 2022 | FIND KNOX

JANUARY 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

Religious Practitioner Stories & Services

FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising.

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

JANUARY 2022 | FIND KNOX

Birth, Deaths & Marriages January 2022

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

SEND US YOUR NEWS! Knox

1300 88 38 30 editor@findknox.com.au

Birth, Deaths & Marriages

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

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

JANUARY 2022 | FIND KNOX

KNOX

Support your Local Not-For-Profit

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Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

31 January 2021 - 31 January 2022

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

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findknox.com.au/register/ Please refer to Page 66

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

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FIND COFFEE COMING SOON

CARD NO.

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COMING SOON

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FIND BREKKY, BRUNCH & LUNCH COMING SOON

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FIND ENTERTAINMENT COMING SOON

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Dining

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

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Brekky, Brunch & Lunch The best memories are made when gathered around the table

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

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& Lunch

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Coffee

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

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

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Takeaway

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

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

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NEW OFFERS COMING

JANUARY 2022 | FIND KNOX

Entertainment

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

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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 Find© Pty Ltd.

www.findknox.com.au

JANUARY 2022

Find Knox 2022 - January Edition

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