Find Knox 2021 - November Edition

Knox The

November 2021

www.findknox.com.au

WHAT’S INSIDE:

More COVID information on Page 69

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LOCAL STORIES

05

COLUMNIST ARTICLES

24

TAX UPDATES

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REAL ESTATE - RENTAL LISTINGS

28

KNOX COUNCIL NEWS

30

NOT-FOR-PROFITS EVENTS & ARTICLES

46

FIND FAITH

48

FIND BIRTH, DEATHS, & MARRIAGES

50

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

See Full Article on Page 3

MarkMogato

Creative Text Solutions susan@creativetext.com.au www.kirarchitecture.com 0437 127 159

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

0418 393 085

info@findaccountant.com.au | www.findaccountant.com.au

PL ATINUM SPONSOR

NOVEMBER SPONSOR

NOVEMBER 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

PLUMBING

?

Are you our next Plumber?

MARK FELTON

GLENN MARTIN

IVANA SMITH

NATURE & CONSERVATION

HERITAGE & HISTORY

SOLICITOR

HEATHERDALE COMMUNITY ACTION GROUP

?

LIZ SANZARO

RUSS HAINES

Are you our next Solicitor?

ELWYNNE KIFT

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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Design Services: We can create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter.

NEXT ISSUE Next Issue of the Find Knox will be published on Tuesday December 8, 2021. Advertising and Editorial copy closes Friday December 2, 2021.

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sitting exams without power and/or having to reschedule exams when one of their class mates become Covid-19 positive, they also have had to deal with their whole family being at home whilst they tried to study, the distractions that surrounded them e.g. Fortnite, parents with reduced work or losing their jobs, increased suicides amongst their peers, and so on.

It is amazing that these young adults, who have managed to complete their VCE’s, have done so at all.

for the VCE is usually completed over two years but can be spread over a longer period of time in some cases e.g., 3 years.

By Warren Strybosch

The Victorian Certificate of Education (VCE) was established as a pilot project in 1987. The earlier Higher School Certificate (HSC) was abolished in 1992.

There was about 5 schools trialling the pilot program in Victoria and I was attending one of those at the time.

It could easily be argued that these last two years of VCE would have been one of the toughest two years on record since it started 34 years ago.

The VCE is one credential available to secondary school students who successfully complete year 11 and 12 in the Australian state of Victoria. ... Study

Not only did students have to deal with close to 300 days of lockdown, online schooling, the General Achievement Test (GAT) being postponed four times,

We, at the Find Knox want to wish all VCE’s students all the best for their exams and hope that the next four or five years, whether it is studying at Uni, taking a gap year and then studying, or simply going into the workforce, is better than the two years you have just lived through.

We are thinking of you all as you complete your exams and hope you get the results you want to get into your desired course. If you do not, I can attest, as someone who has failed VCE and now has 7 qualifications under their belt, including a post grad, that there are many and varied pathways into university. Life does not end when VCE finishes…in fact, it is just the beginning of your journey through adulthood.

COVID UPDATES INFORMATION See Page 80 for Victoria's Roadmap Delivering National Plan

More COVID information on Page 93

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

INSURANCE

retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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.

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

www.findinsurance.com.au

1300 88 38 30

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

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What Business Must Do To Comply As We Reopen

By Warren Strybosch

To support business owners to reopen, the Business Stakeholder Pack has been developed by the Department of Jobs, Precincts and Regions. This stakeholder pack incorporates customisable content and downloadable artwork including: • • • • •

posters support guides social media content suggested website and newsletter content booking confirmation email and SMS text for businesses.

See Page 70 for the Stakeholder Pack

Social media crackdown to protect children

By Matt Coughlan

(Australian Associated Press)

Children aged under 16 would need their parents’ consent to use social media platforms under a proposed online crackdown.

Attorney-General Michaelia Cash on Monday released an exposure draft of new legislation to create a binding privacy code for social media services, data brokers and other large online operators.

All platforms would be forced to receive parental consent for users under the age of 16. Social media companies would be required to take all reasonable steps to verify users’ age and put children’s best interests first when handling personal information.

There would be tougher penalties and more enforcement powers handed to the privacy regulator. Online platforms subject to the code would need to comply with strict new privacy

requirements, including new rules about children and other vulnerable groups.

The code will be developed with the Australian Information Commissioner and industry. Organisations would face tougher requirements to be transparent about how personal information is handled.

Senator Cash said the bill would ensure Australians’ privacy would be treated more carefully and transparently by online platforms.

“We know that Australians are wary about what personal information they give over to large tech companies,” she said.

“Our draft legislation means that these companies will be punished heavily if they don’t meet that standard.”

A 2018 Headspace survey of more than 4000 people aged 12 to 25 found social media was the main reason youth mental health was worsening.

Assistant Mental Health Minister David Coleman said there was a consistent increase in signs of distress and mental

ill-health among young people even before the coronavirus pandemic.

“While the reasons for this are varied and complex, we know that social media is part of the problem,” he said.

“The recent leak of Facebook’s own internal research demonstrates the impact social media platforms can have on body image and the mental health of young people.”

Senator Cash’s department also released a discussion paper on broader reforms to privacy laws.

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Don’t leave it too late – tell their stories now!

ACCREDITED EDITOR

By Susan Pierotti

Here’s an alarming statistic: dementia is the second leading cause of death in Australia – and the leading cause of death for women. Dementia can tragically affect people as young as forty but most dementia sufferers are older.

If you know or are related to an older person, do you know if – or when – they will get dementia? No, no one knows. So it is vital to begin the process of telling their stories now.

Family stories are so important. They leave a legacy, they unite family members, they contribute to the cohesion and history of the community and add value to the teller’s identity. It’s an awful thing to have those stories lost because someone in your family is losing their memory or their health.

Everyone has an interesting story When asked to tell their life story, most people say, ‘Oh, my life isn’t very interesting’. However, what might seem normal to them, such as minor details about their childhood in a bygone era, is fascinating for those who never lived through it. Being able to draw from them stories of a world that many of us have never experienced makes every older person's story fascinating.

There is a genuine breakthrough moment when older folk realise their stories are interesting. They sit up straighter, their eyes shine and it can be hard to get then to stop talking! Unlike other cultures, our Western values system doesn’t include ceremonies for honouring our elders.

When our older loved ones realise that someone actually wants to listen to them and record their lives, their knowledge and wisdom, it makes them feel really valuable- a wonderful gift to a person in their twilight years.

Stories heal family wounds It's amazing what writing someone's story can do for that person's family.

All families have secrets. For instance, what happened to that cousin? Why did our uncle go overseas and never return?

Family members are told snippets that are coloured by another teller’s point of view. Misunderstandings between family members occur. Rifts appear and solidify.

Sometimes these stories are painful to relate but sometimes telling them can heal and restore, not just for the family members but for the elderly loved one who may have been carrying a burden of guilt and grief for so many decades.

How to begin One easy way to get people to open up is by showing them a photo. Our visual sense is strong and a simple image can unlock a wealth of stories about distant events. Telling the story can make people emotional, but that’s okay. It’s another opportunity to connect.

Showing a photo even works for people with dementia. My father has Alzheimer’s.

One day, I showed him pictures of the area where he grew up. To my surprise, he began talking about the few Aboriginal children in his school. Unlike the other children, he was kind to them and so he was the only one in the class who was invited to visit them in their settlement. I now learned a story about my father that I had never known. Whenever I show him a photo of a place he knows, his longterm memory is triggered and seems to work fine.

Another person I know takes his father out to lunch once a month when there are no Covid lockdowns). He records their conversation on his phone. At home, he is able to transcribe it so that his children can read it. Not only does he get

to hear his father’s story but these two men spend precious time together, a rare event in our society.

Recording your relatives’ story is easier than it has ever been. There are so many devices to use. Stories over the years have been preserved on cassette tape, CDs and phones. Keep in mind, though, that technology changes, and changes rapidly. There are young people nowadays who don’t even own a CD player because they download everything. Here’s a tip: print never dies!

Type or write it down.

Creative Text Solutions is a member of Life Stories Australia that assists people to tell their stories. Contact us today at susan@ creativetext.com.au to help you record your elderly loved ones’ stories.

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

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The Amazing Benefits Of Coffee Machines COMMERCIAL COFFEE MACHINE

By Ivana Smith

The Covid lockdown is about to end and summer is around the corner. Businesses will return to the office. Dealerships, warehouses and other business premises will reopen. We will be allowed to visit our loved ones in aged care facilities once more. With the warmer weather, we also shake off the football frenzy and engage in summer sports.

What do these all have in common?

They are community hubs, places where people meet and congregate, where friendships and relationships form. And what better place in each than over a cup of coffee!

However, businesses, aged care facilities and sports clubs have all been affected financially over the last two years due to the Covid lockdowns. Things won’t be the same as they were in 2019. If you are the treasurer of a bowls, cricket, swimming or tennis club or you are a facility manager, you may now be under pressure to save expenses.

Did you know that installing a coffee machine in your premises will save you money? Not only that, but it will make your business and social gatherings more productive and contribute to saving the environment as well!

A coffee machine saves time and money When it comes to coffee, a coffee machine delivers bulk coffee with much better flavour than a spoonful of instant and boiling water out of an old electric jug.

Here are some other benefits. Did you know that when employees can take up to fifteen minutes to get a coffee if they leave the office? That’s sixty hours per year of lost time for just one employee!

Installing a coffee machine onsite will encourage them to stay close, and it willpromote collegiality in the workplace.

For sports clubs, the community aspect will be enhanced if you install a coffee machine in the clubhouse because your members won’t need to disperse around the neighbourhood trying to find a drinkable blend.

There is also the advantage that an inhouse coffee-machine can brew your favourite cuppa whenever you want it.

No longer will you be dictated to by the opening hours of your local barista bar.

You will also have great coffee ready to go for all your clients; it’s amazing what the impression of an aromatic and flavoursome coffee will do for the reputation of your business.

The benefits of a coffee machine With a coffee machine, unwashed coffee mugs and dirty teaspoons are a thing of the past. No more do you have to put the lid on the coffee jar or the milk back in the fridge.

A coffee machine is low maintenance – clean and easy to use. Delivering a wide range of coffee options, they are also safer than kettles, electric jugs and cappuccino frothers as all the coffee brewing occurs within the sealed machine. You don’t even need to supply and grind beans or filters. All you need to do is insert a pod or push a button.

There are two types of coffee machine: one that uses pods and one that uses ground beans. Pods are quicker and simpler to use but some brands are still not recyclable. If you would prefer a more environmentally friendly solution, try an espresso machine.

These automatically grind the beans, boil the water and make your selection with one push of a button. Their in-line water heater saves energy by quickly heating up water for each individual cup, rather than heating water all the time. Another energy-saving measure is their in-built programmable time management system that turns the machine on and off so that it's ready when you need it, and saving money when you don’t. And with no pods or filters, they cut down on plastic and paper waste that ends up in landfills.

More importantly, they make superb tasting coffee! Macchiatos, flat whites, long blacks – you name it, the machine makes it. The beans are sourced from quality producers of countries less well off than we are.

Improve your community experience and enjoy the amazing benefits of a coffee machine.

For advice on coffee and how to supply it to aged care facilities, office spaces and clubs, contact Ivana at ivana.smith@ xpressodelight.com.au.

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

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All Company Director’s Now Can Register For Their Director IDs Online

By Warren Strybosch

All Australian company directors including SMSF directors can now register for the new director ID. This unique 15-digit identifier only takes about 15 minutes to apply online for most people but for those overseas a paper-based system may need to be used. For those currently living overseas, it is recommended they start this process as soon as possible as there might be issues with matching current director names to their actual birth names. The director IDs will stay with a person for life and aims to provide greater security and a level playing field for all those running a business.

Superannuation and Financial Services Minister Jane Hume said it would cut red tape and make things fairer for all.

“Directors will keep the same director ID as they move between different roles, businesses and even countries,” Ms Hume said.

“Acting as a unique identifier for every director, director ID not only paves the way for streamlined experiences in the future but offers directors greater confidence that they are protected from fraud and illegal activity today.”

With over 2.7 million company directors can now apply for their new director identification numbers (director ID) using the Australian Business Registry Services (ABRS) website.

To apply, directors can simply log into ABRS online using the myGovID app.

It is free to apply and available to directors within Australia and overseas.

Applications are available by phone and by paper for those who need it.

Any individual who is a director or acting as an alternate director must register. This includes directors of an SMSF or a limited recourse borrowing (LRBA) corporate trustee.

Due to the huge number of applications that will need processing, there are transitional arrangements in place for directors to assist with the onboarding process.

Key dates to be aware of From 1 November 2021 to the end of 4 April 2022 there is a transitional period where all new directors have 28 days to apply for a DIN after being appointed as a director.

From 5 April 2022, when the transitional period ceases, all directors will be

required to apply for a DIN prior to being appointed as a director.

For all existing directors appointed prior to 31 October 2021, they will have a deadline of 30 November 2022 to apply for a DIN. SMSF Directors are encouraged to get their DIN as soon as possible.

For directors of corporate trustees related to a SMSF, only they can apply for their own DIN. The accountant, tax agent or bookkeeper will not be able to apply on their behalf. As such, all SMSF Directors of SMSF are encouraged to also start the process as soon as possible. For those setting up a new SMSF or a limited recourse borrowing arrangement, they must get the DIN with in 28 days of face ASIC action, including penalties for noncompliance.

If a SMSF director fails to obtain their DIN, the SMSF could become noncompliance and face huge tax liabilities.

Also, it might result in the SMSF Director, who is also a member, having to exit the SMSF given they have demonstrated they do not have the ability to manage their own SMSF.

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The Best Investment is an Investment in Yourself BOOKKEEPER

By Neha Nayyar

As busy business owners, we rarely have time for ourselves, let alone time for upskilling in areas that may not directly correlate to your businesses offering.

Time and time again, business owners approach us with their books in quite a state. Yes, of course we can help sort things out, however what we can also do is provide training to empower business owners (and/or their office staff) on how to confidently do their own books ongoing.

When you run your own business, you are an expert in your field, knowing the ins and outs, but when it comes to doing the books, often business owners just plod along using the same old systems and processes they always have. In this world of online accounting and automation, your books shouldn’t be taking up much of your time at all.

By taking control and investing in training, you will be:

Empowered By undertaking training specific to your businesses accounting, you will walk away with the confidence and knowledge required to do your own books. No more late nights worrying about pays, super and tax. You will feel confident that you have everything under control and that all your books are in order.

Efficient By using cloud systems to their capacity, the efficiencies for small business owners are nothing short of amazing. Invoicing, automatically following up overdue payments, reconciliations, automatic pays, all your figures and reporting in the one place will make doing your bookwork a breeze.

Compliant By having a thorough understanding of what is required, combined with a solid cloud accounting platform, you will know that your business is compliant, which in turn ensures ATO payments are done on time, super requirements are met etc, meaning you won’t be met with late fees or penalties again.

At Sum and Substance, we run individual training for businesses, but we also run specialized industry training through our sister company, Future Proof Accounting.

Our next specialized training is for people in the medical industry. You can read more about that here.

If you want to enquire about training for you or your business, we can be reached at (03) 9424 9447 or info@sumsubstance. com.au. You can directly book in a time to chat with Neha by clicking here.

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

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Navigating The COVID-19 World As Our Freedoms Are Returned OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

Our retail industry is reopening, and it is mandatory for every Victorian business with on-site operations to have a COVIDSafe Plan.

There is no change to your obligations under the Occupational Health and Safety Act 2004 (OHS Act) and Occupational Health and Safety Regulations 2017 (OHS Regulations) as a result of the Directions issued by the Victorian Chief Health Officer (CHO).

Please be patient and respect our staff CHECK IN NOW

Preparation of a COVIDSafe Plan forms part of the development of a safe system of work. However, having a COVIDSafe Plan and complying with the Victorian CHO Directions does not necessarily mean you have complied with all of your duties under the OHS Act and OHS Regulations.

You must follow any health directions that apply to how your business must operate, and ensure that you are meeting your obligations under the OHS Act. Employees must also comply with their duties under the OHS Act. There is an abundance of information available at www.worksafe.vic.gov.au and www. coronavirus.vic.gov.au Proof of vaccination status will be required by patrons entering retail businesses. The Victorian State Government advises that all people intending to enter a retail premises act in the following manner: 1. Make sure you’ve added your COVID-19 digital certificate to the Service Vic app or have an alternative proof of vaccination status (including a printed copy of the certificate along with photo ID, a printed copy of your immunisation history statement along with photo ID, or a printed copy of your medical exemption along with photo ID) 2. Scan the Service Victoria QR code or show your alternative proof of vaccination status

We appreciate your support and patience at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com.au 2. Wait for a staff member to confirm it’s for an obligation and cost free initial OK more to enter information go todiscussion.

For 1. Show staff the two green ticks

CORONAVIRUS.vic.gov.au

Many businesses may have a reasonable handle on this but how do you manage Authorised by the Victorian Government, 1 Treasury Place, Melbourne the situation where a patron is refusing Poster updated October 2021 to cooperate. Staff members cannot be expected to use physical force to eject the difficult patron. Instructions to staff must be clear and easily understood.

If you have any doubts about your preparedness, including how to best keep your staff and patrons COVID safe please feel free to contact Mark Felton

Mark Felton

Occupational Health & Safety Beaumonth Advisory www.thebeaumontgroup.com.au

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Jaundice: Why does my baby look yellow?

Risk factors for severe hyperbilirubinemia include: jaundice within the first 24 hours after birth, visible jaundice before hospital discharge, late pre-term (35-38 weeks), maternal age greater than 25 years, bruising or cephalohematoma, previous jaundiced sibling, male baby and East Asian ethnicity.

LACTATION CONSULTANT

By Dr. Joanna Strybosh

Babies commonly experience a yellowing of the skin and whites of the eyes after birth. This condition is called hyperbilirubinemia, or neonatal jaundice. Bilirubin is an orange or yellow pigment circulating in the blood stream, most of which is a byproduct of the breakdown of the newborn’s excess red blood cells in their liver. Normally, this product is excreted through the newborn’s intestinal tract via their stools.

In the case of jaundice, some bilirubin remains in circulation and gives the skin and eyes its characteristic yellow colour.

Why does a baby have excess red blood cells to breakdown?

Before birth, the baby requires higher levels of red blood cells because the uterus is a relatively low oxygen environment. After birth, the baby moves into a higher oxygen environment and no longer requires as much hemaglobin (red blood cells). This excess is what is broken down in the baby’s liver and then excreted via the intestinal tract. Most newborns produce more bilirubin than they can eliminate.

There are other situations that can increase a newborns’ likelihood of becoming jaundiced. This includes prematurity (especially late pre-term ie 35-38 weeks), bruising or hematoma such as occurs with vacuum extraction, infection, maternal diabetes, infant weight loss, use of oxytocin to induce labour and genetic factors.

Physiological Jaundice: It is estimated that 60-70% of full term infants will become visibly jaundiced in the first week of life. Most of the time, this a benign, self-limiting condition, which resolves spontaneously without the need for any treatment. In these cases, the jaundice usually peaks around day 4 or 5 after birth, and then resolves over the following week or two. This is called physiological jaundice.

Breastmilk Jaundice: In this situation, the jaundice peaks around day 6-14 after birth and can develop in up to one third of healthy breasted infants. It occurs in male and female babies equally and can run in

Photo by Laurie Gouley from Pexels

families. The hyperbilirubinemia can persist for up to 3 months. This form of jaundice is not fully understood although it is thought to be due to factors in maternal breastmilk that inhibit the normal metabolism of bilirubin.

Breastfeeding Jaundice: Also called various other names such as nonfeeding jaundice or lack of breastfeeding jaundice or even starvation jaundice.

This occurs in circumstances where there is inadequate milk intake (for either infant or maternal reasons). Infrequent, inefficient breastfeeding reduces calorie intake, increases the amount of infant weight loss and delays meconium passage through the gut. This can drive up bilirubin levels to where intervention is required.

This form of jaundice can be seen in babies whose feedings are scheduled by the clock (such as, every 3 hours for 10 minutes) or in babies who show signs of hunger but are given a dummy. It can also occur in babies who have difficulties latching, sucking or swallowing and therefore do not actually transfer milk in sufficient quantities. These babies may be put to the breast and may appear to be feeding but are in fact not swallowing.

As a result they don’t poo as much.

Skilled assessment by a qualified lactation consultant is important to ensure infant swallowing is occurring at the breast. Advice and support to the mother can improve infant feeding.

When is the situation serious?

Rising levels of bilirubin needs to monitored as extremely high levels of bilirubin can be toxic to the brain and cause seizures and brain damage.

Although severe hyperbilirubinemia is uncommon, it can happen if a jaundiced baby is not monitored closely and interventions implemented early on.

Management of Jaundice: Most commonly, phototherapy is used for babies with high levels of bilirubin.

Phototherapy helps with the breakdown of bilirubin, so that it can be excreted via the stools. There are side effects of phototherapy that can interfere with breastfeeding (such as separation from the mother, lethargy, poor feeding, increased water loss requiring fluid replacement and unsettled baby). In less urgent situations, and for in-home treatment, a portable phototherapy blanket (biliblanket) can be used.

Breastfeeding Support: All newborn babies and mothers benefit from receiving support to optimise their new breastfeeding skills. The more a baby feeds, the more he poos and the more bilirubin is excreted. Jaundiced babies are often sleepy and slow to feed, adding to the challenge of establishing these important breastfeeding skills.

Best practices for after birth to optimise infant feeding and therefore reduce jaundice: • • • • • •

avoid separating mother and baby 24hr rooming in and feeding through the night helps eliminate meconium and bilirubin more quickly Frequent feeds (8-12 feeds per 24hrs) minimise visitors that would delay or inhibit a mother from breastfeeding skin to skin contact to trigger behavioural feeding-readiness cues skilled breastfeeding assessment and advice

See your local IBCLC for further information or help with managing jaundice in your baby.

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

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE (03) 9876 3011 www.childrensostheopathiccentre.com

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Is Now The Best Time to Fix The Rate On Your Home Loan?

MORTGAGE BROKERING

By Reece Droscher

As a mortgage broker one of the most common questions I receive from clients is whether they should fix the interest rate on their Home Loan. Since the commencement of the COVID pandemic there has been a surge in clients locking in at least some of their Home Loan into a fixed rate to take advantage of the very low rates on offer in this market, in some cases well under 2%.

Now, with commentary from the Reserve Bank indicating that they may be looking to increase the cash rate a lot earlier than expected due to inflation, most lenders have started to lift their advertised fixed rates, particularly in the popular 2 and 3 year fixed rate products. At the same time some of their variable rate products have started to come down, with Banks trying to encourage more customers into these products, anticipating that there may be several rate rises from the Reserve Bank in the future.

Given the current interest rate uncertainty is now the best time to fix the rate on your Home Loan? There are advantages and disadvantages to locking in your interest rate which would determine if fixing your rate is the best option for you.

Advantages 1. Security When you fix a rate on your Home Loan you are guaranteed that the rate will not change for the period you have fixed for. This means your repayments will also remain unchanged which is helpful for household budgets.

2. Potential Money Saver If you are able to fix your rate at the right time you will save money on interest, potentially thousands of dollars. For example, if you were to fix a rate today you could lock in for as low as 2.09% for two years with some lenders. These same lenders have variable rates at 2.69%, and if those variable rates do not reduce below 2.09% over that two year period

the benefits of fixing at the lower rate would be substantial.

3. Some Flexibility Most lenders will allow borrowers to make additional repayments when they have a fixed rate loan without incurring a penalty. It is most common for any extra repayments to be capped at a maximum $10,000 per year.

Some lenders also offer the ability to have an offset account linked to the fixed rate loan to help reduce interest costs further, although these are generally only partial offsets usually 40%. For example if you had a $1,000 balance in an offset account only $400 of that balance would be offsetting your loan.

Disadvantages 1. Penalties may be payable for early repayment If you become dissatisfied with your lender, decide to sell your home or you simply want to take advantage of better deals elsewhere, when you are locked in to a fixed rate you could be charged a substantial interest penalty to break the contract. A complex formula is used to determine what the loss to the lender would be if the fixed rate contract is broken which is outlined in any Home Loan Contract. This penalty could offset any benefit you received by locking in originally.

2. Most flexible features are unavailable Flexible features that are standard on most variable rate loans are either not available or offered with reduced benefits on a fixed rate loan. Offset is typically not available, or only offered as partial offset which reduces the effect it has on interest saving, and redraw is also not available on fixed rate loans.

the fixed rate which is great in stable environments can be a curse at other times.

4. Potential for higher repayments once the fixed rate expires A large number of borrowers have fixed their rates at historically low rates for the next few years. Once these rates expire the new interest rate may have increased significantly during this period, so their loan repayments could be much higher than what they have been used to paying. Borrowers could be in for a rude shock in the next 2-3 years.

Split Loans If you can’t decide which option is the best one for you it is possible to hedge your bets. Lenders also offer a split loan option which means you can have a portion of your loan at a fixed rate and the balance on a variable rate. By splitting your loan you retain the flexible repayment features of a variable rate loan, as well as having some of your loan locked away securely on a fixed rate for a few years.

It is always a great idea to speak with a mortgage broker who can guide you through the process, advise you on which loan structure would suit your needs best and recommend the most suitable lender to meet your requirements.

At SHL Finance we are available to speak with you at any time. We are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save clients thousands of dollars. We would love the opportunity to help you too.

Please call Jodie Moore on 0402513213 to discuss your options.

3. Potential to lose on the interest rate bet Fixing a rate is effectively betting that the fixed rate will be lower than the variable rate for the time you choose to lock in for. In a volatile interest rate environment, where variable interest rates are dropping, if you have a fixed loan your rate will not reduce. The inflexibility of

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Signage: The Christmas Gift Which Keeps on Giving SIGNAGES

By Glenn Martin

We have already entered one of the busiest periods in the shopping calendar, with Christmas and New Year looming, bargain hunters everywhere have braved the lockdown and are now ready to purchase Christmas gifts and fill their fridges for the celebrations. While retailers and restaurant or pub owners are now rushed off their feet, there’s one more job you should add to your to-do list, and it could just be the one which helps you maximise sales over the festive period - installing new signage.

Competition in the retail and hospitality sectors can be incredibly fierce over the Christmas period, with everyone trying to outdo their neighbours with discounts, special offers and diversity of stock. It’s a critical time for making up sales after the year we have had, giving a muchneeded boost to the balance books as the year draws to a close. Capturing your fair share of the Christmas market is, therefore, a big priority over the coming days and weeks, and new signage could be just the thing you need to catch the eyes of the Christmas crowds and pull in new customers.

For all shop owners, ensuring your premises is looking at their best can make a big difference to the foot traffic you get through your door at this time of year. People are automatically drawn to the most attractive, best-looking outlets, so a dreary shop window or a shabby façade can easily drive much needed custom straight into the arms of a local competitor.

Customers really do like to see attractive shops fronts and are more likely to venture inside if they can see that the

outside of your premises is well-kept and appealing. Getting people to pause and examine your window display, or cast an eye over your menu, is half the battle when it comes to clinching those allimportant Christmas sales, and a bold, beautiful and eye-catching sign can be seen from quite a distance and may well lure customers over.

A high-quality sign speaks volumes about your business and about you.

Nobody wants to go through the doors of a shop or restaurant where the sign above the door is missing letters or looks grubby and unloved, but a well-lit and well-maintained sign has exactly the opposite effect and offers encouragement. At this time of year, when the weather is improving, the warming glow of a good sign is a welcoming invitation to the casual passerby and certainly helps your business stand out.

Getting your signage right is key, and when done well, it becomes the gift which just keeps on giving. Signage is an incredibly powerful marketing tool which is both a prominent and a permanent investment, advertising your business round the clock simply by being so visible. Good signage does more than just put your name above the door - it’s

a prime piece of branding, so must be bold and memorable.

Add signage to your Christmas list this year as signage should be at the top of your Christmas list. It may seem like just one more thing to get done when you’re already rushed off your feet, but the benefits of installing new signage are immediate and impressive. With year end coming fast, it is imperative to reach out now if you want to have your signage installed by Christmas.

With many years’ experience in this field, Signarama are able to work with you to design, manufacture, install and help you maintain your signage, offering innovative solutions to all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, simply call 1300 633 902 to get in touch with our expert team today.

Glenn Martin mitcham@signarama.com.au www.signarama.com.au/store/mitcham

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Colour Guide and Painting Tips For Summer ARCHITECT

By Kathy Ismail

Assembling your colour scheme It is best to put a physical mood board to see if your colours fit together.

Choosing a colour scheme can be highly personal so it’s good to start with a certain theme – plenty of inspiration can be found across the internet and from paint manufacturers.

Whites work the best as the base colour for your scheme but it can be one of the most difficult colours to select. An interior designer, Lathika Nair from Lathika Nair Design, has some advice on what kind of white is the best for your project:

Cool colour palette by Lathika Nair Design

Colour influences our mind and our emotions. After the pandemic, people want vibrant colour in interior spaces.

Lathika has insight into the three top trending colours for this summer.

• •

•

mustard yellow: it works well with both cool and warm palettes. olive green: classic, contemporary or modern, it can be used extensively from cabinetry to walls and paired with timber, it works wonders. purple: a combination of cool blue and exciting red, when paired with the right shade of green, it brings distinction to a room.

Home painting advice

Warm colour scheme by Lathika Nair Design

‘Natural light plays an important role in selecting your whites. Warm white can brighten up a room that has less natural light. Cool white neutralises sunlight, so it tones down intense natural light in a room.

‘The third aspect is the strength of the colour used. For example, there is the colour Lexicon White, but what about Lexicon White-Half or Lexicon WhiteQuarter? These have the same undertone, but the shades differ due to the amount of undertone used. Sometimes by using a different strength of the same colour, you can create an element of interest.’

Is there a correct way to paint our houses ourselves?

Take time to select the right colour and products to complete your project. Move your chosen swatches or paint samples to different areas of the surface over a couple of days, testing against natural and artificial light, and against existing furnishings and home décor to ensure you will be happy with the final result.

Whites

‘Other than neutral white which is best for ceilings, there are two other shades of whites. Warm whites have undertones of yellow, amber or pink and work well if you are planning to use earthy and neutral décor and furnishings for the room. Cool whites have blue or grey undertones. These give a clean and crisp feel and work best if you are after a modern, minimalistic or beach-style feel.

individually or in bundles, colour stickers and swatches from the website.

The most popular brand for paint colours is Dulux. They offer a massive range of products comprised of exterior and interior paints, as well as timber coatings.

I had the opportunity to ask them some questions:

Once you have selected your colours, ensure you choose the correct product; for example, wash and wear, weather shield, enamel or eco-friendly paint with ultra-low chemical emissions and odour system that can help maintain your indoor air quality.

Properly prepare the area for painting.

This means washing the surfaces you intend to paint with Selleys© sugar soap, sanding down any chipped or scuffed areas, and laying down drop sheets and taping trims to keep the surrounding areas clean.

Learn more about the paint products and ranges available and always read the label on the paint before applying.

Start getting excited putting together your colours for your home project!

Contact KiR Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We do wholistic architecture – taking care of inside and outside to provide you with a home that you love.

What is the best way for the public to get colour samples?

Dulux has just extensively remodelled its website to empower consumers on their painting journey. With a mere click, a world of colour opens up to anyone eager to explore the magic of paints, including sourcing and purchasing colour samples directly from the website.

If you can’t get to your nearest hardware store for swatch samples and sample pots, you can buy sample pots

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

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Premium Minimisation Using Risk Control GENERAL INSURANCE

By Craig Anderson

Insurance policies indemnify the named insured against losses for which they become liable in the course of their business, making them a simple but effective risk transfer product. The risk will not magically vanish, but the majority of the financial risk falls on the insurer, with the insured required to pay a deductible known as an excess. Implementing risk management strategies can have a positive impact on the amount of risk the insurer takes on, and premium cost in some cases. Well-documented risk control (plus appropriate experience and qualifications) may even take a company from considered unacceptable to an underwriter to acceptable. Some simple steps might help you achieve a long-term claim-free record and minimal premium increases over time. As risk comes in all shapes and sizes I’ll stick to some of the simple fixes.

Minimise physical losses to 3rd parties.

With OH&S matters involving physical risk there is a simple Hierarchy of Controls, which if followed allows the insured to assess and eliminate, or at least control physical hazards. Visit https://www. worksafe.vic.gov.au/hierarchy-control to see the official Victorian version.

This should be formalised within the company OH&S Policy document that every company must have anyway.

Better work practices keep the team safe, and make them less likely to mishandle materials or equipment that could injure others on and off the work site.

Minimise Theft.

Pole mounted solar powered security cameras which upload any motion detected to cloud servers are now common on building sites. Some Contract Works proposal forms now have this as tick box question. Using these can favourably affect your premium.

Shops are expected to have CCTV for theft deterrent value as much as for the evidence they provide. While breakins still happen, they are increasingly ram raids. The addition of bollards to roller doors and window protection to shopfronts should reduce attempted raids and minimises associated damage.

Combined with External Lighting, monitored alarms and security patrols premiums can come down further.

Minimise Interruption When looking for a location to base your business a bit of research can go a very long way. Incredibly, there are large swathes of land on which warehouses and factories sit where there were once wetlands, and this land may still be subject to occasional flooding. In fact this is the case in many pockets around Australia and insurers offer no flood cover at these addresses. The result can be long-term business interruption and stock and equipment damage. It takes only a few minutes to look up the flood mapping for an area you are thinking of targeting. Avoid locating close to chemical industries, hazardous sites, lowlying areas, and estates with only one way in and out. Name any important suppliers in the Business Interruption section of your policy, because if they are the only source of a particular thing

your business needs, their interruption becomes your interruption.

Get Risk Management Help Get some advice from an Insurance Broker, and where needed a Risk Management Consultant. A consultant can look at every part of your business including your office, and help you eliminate the risks. By helping you document everything neatly even the Worksafe Inspector will love you (may have gone too far there…). Your broker will be happy to present your information to the Underwriter confident in the knowledge that you are doing your utmost to eliminate or control all of the known risks.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

0418 300 096

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helps us feel safe and secure in moving forwards in our lives.

So how can we move from fear to love?

Love, Compassion and Togetherness Trumps Anger and Divide!

PARENTING

By Lesley-Anne Banton

With so much divide and civil unrest it is a time to come together despite how we individually choose to experience and perceive the world right now. Life is tough enough without the divide of our personal point of views around Covid.

What if we could show compassion, love and respect, despite our differences of opinions? Could the journey out of this psychologically and emotionally be through love, compassion and togetherness?

On many levels and areas in life, there is stress right now and most of it comes from FEAR showing up when Covid showed up.

ET is an iconic film about an extraterrestrial that is left behind on Earth and his journey to get back home. For ET this journey was scary, unknown and filled with uncertainty about the place he had been left behind in. Over time, he learns to trust those around him and overcomes his fear. Likewise the humans around him build trust in him, rallying around in love and compassion to keep ET safe, and get him home.

We can use ET as a symbol that represents our fear showing up triggered by the uncertainty of Covid being present in our lives and not knowing what could happen when this might leave us, and what it could do while it is here.

What is it that your fear might need in this unknown time?

Fear is a part of you that can do

unpredictable things to your thinking, perception and actions. It can be a part of you that you shame, a part of you that you might be scared of as it might be alien to you, or you let it become part of your identity when it never used to be.

How might your fear/ anxiety/ stress react to being on an unknown world – the world of Covid and being screamed at, feared? What might it need to feel safe? What might it need to be ok with being there and understood?

In the film, ET quickly built trust with those around him, and without a full understanding of words, he felt love and secure enough to put trust in those around him to help him get home. It was love, compassion and togetherness that got him home This can be also true with many right now, as they are in panic and want to contain, ignore, or destroy their fear.

Fear and panic can be paralysing. It can cause you to run away from those wanting to help you and towards those who don’t. Fear can also dominate your thoughts and prevent you from moving forward because you feel unsafe or unsure. You can also make decisions that you wouldn’t normally make and be someone you normally wouldn’t be.

It was understanding, trust, compassion and love that helped ET get home. What could help you get back to a place that you know you are home within yourself?

Is it love? Compassion? Understanding of where you are at?

This might be easier said than done right now yet love and understanding

Notice Awareness Focus In fear we might feel withdrawn, believe we have no choice, that we are stuck, hopeless, attacked, angry, or in procrastination. We might also be forthright, overstep other people’s boundaries with words or actions. We might make irrational decisions and statements, act in a wat to ‘protect’ ourselves but hurt or disrespect others in the process. Our bodies might feel a bit off, low in energy, or feel we want to take flight. Whatever it is for you, one of the first steps is to NOTICE this. Notice where your thoughts and thinking are at, how your body is feeling, and what are your actions doing?

Once you empower yourself with noticing yourself, what your thoughts, emotions and feelings are. You give yourself the gift of AWARENESS. With this awareness, you can put words and understanding to where you are at and what state of mind and emotions you are in. You can then choose to change your thinking and focus to bring you back to love.

In this space ask yourself: • • • •

What would love do?

What would compassion do?

If I was in a state of love or certainty, what would I do? What would I think? Feel? Act? What if I showed compassion to those who have a different perception and opinion?

As you are asking yourself these questions, breathe and FOCUS on yourself, calm your breathing and notice your body calming. Bring thoughts of love, kindness, joy, gratitude or whatever words bring a sense of calm and peace to you.

By bringing yourself back to a place of love and out of a state of fear you can navigate your world differently, more empowered, and you could help those around you come back to a place of love, come back to a place of feeling like home within themselves, bring back a sense of togetherness.

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SMSF Trustees – Should You Purchase Collectables?

ACCOUNTANT

By Warren Strybosch

SMSFs trustees need to be aware of the various compliance risks surrounding collectables, as the asset class requires continued consideration and how it can impact a SMSF. With low interest rates, SMSF trustees are looking for alternative investments to place their funds into which has led to an increase in collectables within SMSFs. However, care needs to be given to the restrictive rules surrounding the holding of collectables in a SMSF. Collectables and personal-use assets include artwork, jewellery, antiques, artefacts, coins, stamps, books, memorabilia, wine, cars, bikes, recreational boats and club memberships. Bullion is not included as its value is based on intrinsic weight and purity.

One of the restrictions with collectables, is that they cannot be leased or used by a related party or stored in a private

residence of a related party. The SMSF can only lease them to unrelated parties e.g., to an art gallery, and it must be possible to show the transaction was completely at arm’s length.

Even with vintage cars held with an SMSF, the related party cannot drive it for any reason, even if it is for maintenance purposes or to get restoration work done on the vehicle.

When it comes to storage of these type of assets, they must be remote; not located in a trustee’s private residence – that includes the land they own. As such, artwork and vehicles, cannot he displayed in a trustee’s home or stored in a purpose built shed on their property.

Records must be kept by trustees showing how the decision was made to store the items.

Lastly, the items must be insured by the SMSF and not in a trustee’s individual name or under a business entity they might own. If the SMSF cannot insure the collectibles appropriately so that the asset is secure for members in the future, then the fund must dispose of that asset.

Whilst collectibles are a different asset class to hold within the SMSF and may seem ‘sexy’ when telling friends and other’s you own such an asset, given the limited ability to use or display such an asset, trustees need to consider whether or not holding such an asset is worth all the hassle.

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 form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

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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Triple Jab out now – a boost to all Victorians

By Warren Strybosch

Bendigonians will be one of the first group of Victorians to be administered the third job in a hope to reduce COVID numbers.

The booster dose of the Pfizer vaccine will be offered to all eligible adults, regardless of the vaccine type received for their first and second shots.

COVID-19 vaccinations before they will be able to get the booster shot. However, the proof must be via your mobile device displaying the certificate or a copy of the certificate supplied via Medicare. It won’t be enough to simply show the card that was written on by the nurse who gave you the first and second vaccination shots as there are reports that some people have obtained these cards and falsified, they have been vaccinated already. For anyone caught with falsified documents we believe the fines are very hefty.

Those wanting to receive their booster shot must provide proof of their first two

The booster dose will be offered to people over the age of 18 and who had

The third jab will only be available to those who have already had the two first jabs at least six months earlier.

their second COVID-19 vaccination over six months ago.

It is also believed that the health minister has stated that all state-run aged care residents and staff will be required to take the booster shot in the coming months.

It is reported that a Pfizer booster shot five months after a second dose reduces a person's risk of hospitalisation with the coronavirus by 93 per cent.

This is yet to be proven given we are all still living through the largest clinic trial on earth.

Victorian Nurses Can Be Fired But A Court Challenge Related To The Vaccine Mandate Is Likely Heading To Court Many nurses are being forced to leave their jobs because they are either refusing to take the Covid-19 vaccination or refusing to disclose their vaccination status. A group of nurses from Monash Health, tried to unsuccessfully stop Monash Health, one of Victoria’s largest public health service, from allowing them to be fired – the court injunction was thrown out by the federal court.

A directive from Victoria’s chief health officer under the Public Health Act makes it clear that health workers must be fully vaccinated, having received at least their first Covid-19 vaccine dose by 29 October, in order to work in a healthcare setting. They must provide evidence of vaccination to their employer. As such, Monash Health has been given the green light to terminate it’s nurses if they do not take the jab.

Justice John Snaden said that Monash Health had no choice but to fire them. “…the evidence that there is very much suggests that the course that has been plotted has been plotted because Monash Health has formed the view that under the public health directions by which it is bound, they’re not permitted to do anything else [other than terminate employment],” he said.

Chris O’Grady QC, representing Monash Health, said the employer had simply been following the chief health officer’s directions. “In light of the CHO directions it goes without saying that anyone working in the health sector is going to have difficulty working in that sector absent their willingness to either be vaccinated or disclose their vaccination status,” he said.

The only hope for those nurses who have not been vaccinated is the pending court case regarding the vaccination mandate. Snaden said when the matter goes to trial, if the court finds the vaccine mandate was unlawful, then the nurses would likely have their employment reinstated and receive back pay.

Therefore, the court had no reason to block disciplinary action including Monash Health firing the nurses in the meantime, he said.

Monash Health has given undertakings not to take action against the relevant nurses until the matter was determined.

In light of Snaden’s decision, Health was now free to terminate the staff.

More COVID information on Page 69

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What investments should I hold in my portfolio?

FINANCIAL PLANNING

By Warren Strybosch

Whether you own a SMSF, are an accumulator, or a retiree, it is a golden rule of investing to diversify your super/ pension assets. In other words, not to have all your eggs in one basket.

In the past, managed funds have been a very popular investment choice. There were single sector managers, index managers, growth managers, multimanagers, and so on. The list of fund managers has grown exponentially over the last 20 years as technology evolves.

Whilst fund managers have been the main stay of investment for many years, Exchange Traded Funds (ETFs) and Listed Investment Companies (LICs) have grown in popularity.

Whilst technology has made it easier to choose different types of investments, it is becoming unclear as to which type of investment should be chosen. For many, there is the fear they might miss out or be placed in the wrong type of investment.

This is especially so for those who are moving into their retirement phase of their lives. They do not want to risk their hard-earned savings that has taken them over 30 years to accumulate being lost through poor investment choices.

So, what is the ‘right’ type of investment one should consider investing in?

To help you choose the right investments we have summarised the main technical points related to some of the key investments out there in the marketplace: What are LICs and ETFs? Listed investment companies (LICs) are the great grandfathers of the listed managed investment scene, with a history going back almost 100 years.

LICs provide exposure to a basket of underlying securities, often shares, although increasingly there are funds providing exposure to other asset classes, such as fixed income.

Exchange Traded Funds (ETFs) invest in a basket of shares or other investments that generally track the performance of a market index such as the ASX200 Index or the US S&P500.

You can buy an ETF to give you exposure to an entire market, region such as emerging markets, market sector such

as global health or technology stocks, or theme such as sustainability. They also offer investments in a wider range of asset classes, from local and international shares to fixed interest, commodities, currency, property, infrastructure and cash.

The most popular ETFs in 2020–21 were Australian and global equities, as sharemarkets rebounded strongly from the pandemic lows. The best-performing ETF were technology sectors and themes such as battery technology, robotics and AI and global cybersecurity.

Similarities: 1. ETFs and LICs are like managed funds in that are professionally managed but tend to have lower fees than most managed funds.

2. Like managed funds, ETFs and LICs, have your money pooled with other investors to create a large portfolio of assets.

3. All three allow you to gain exposure to other sectors and regions that traditional Australian shares cannot provide which in turn achieves greater diversification.

Differences?

1. ETFs and LICs can be bought and sold on the Australian Stock Exchange (ASX) whereas most managed funds are bought directly via the fund manager themselves or through a financial advisor. However some fund managers are available via the ASX mFund Service but do not operate like shares. Where the price of shares, ETFs and LICs are live on the ASX, the un-listed managed funds, display the price at the close of trading each day.

2. Most ETFs simply passively track the index however there are some new ETF players in the marketplace who claim to be active managers; utilising derivates, options and short-selling to try to outperform the index.Before choosing a fund, it’s important to understand how they work. Also look at their underlying investments, their performance and trading history, their tax status and distribution policy as well as their fees and cost.

3. LICs are companies traded on the ASX where the share price is determined by the market. They are closed-end structures which allow the fund manager to concentrate on investment selection without

having to factor in the possibility of money coming into or leaving the company.

ETFs are open-ended which means units in the fund can be created or redeemed according to investor demand without the share price being affected. LICs are closed-ended investments, which mean they have a fixed number of shares on issue 3. LICs use a company structure whilst ETFs, similar to managed funds, use a unit trust structure.

4. LICs pay company tax on their income and realised capital gains whereas ETFs are not required to pay tax on their income or realised gains.

LICs may hold on to their profits or pay them out as a dividend to their investors whereas, ETFs pass on all tax obligations to the investor who pays tax at their marginal rate. Despite the different ways these investments are structure for tax purposes, investors to tend to pay a similar amount of tax once income has been paid out.

5. ETFs tend to the more affordable of the three when it comes to fees with managed funds, especially active managed funds that charge a performance fee, being the costliest of the three investment choices to hold on to.

This information is current as at November 2021. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product.

While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, 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

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Should you merge your finances with your partner?

By Money and Life (Financial Planning Association of Australia)

If you’re in a relationship, it can be tricky to work out when to start sharing income and expenses. Here are a few ways to successfully merge money as a couple.

The COVID-19 pandemic has changed many aspects of our daily lives, and romance is no exception. While lengthy separations have led some relationships to end, other couples are choosing to move in together more quickly than they might have expected.

If you’re planning on living together, you might be wondering whether to merge your finances. Combining money is a big step for any couple, and not something that has to be tackled all at once. There are several ways to share money as a couple, and you might like to take it in stages.

Before you merge your finances It’s important to be honest, open and transparent about your financial situation and expectations upfront. Money can become a source of tension in relationships, often due to mismatched values, poor financial habits or financial infidelity.

Before merging your finances, set aside a time to talk about your current financial situation, including any debts or bad spending habits. Discuss your shared goals and vision for the future. Put a financial plan in place to help you get there. And work out which approach to sharing money will work best for both of you, so that you can set up your accounts to manage household expenses.

Also keep in mind that once you’ve been living together in a relationship for a period of time, you’re considered to have a spouse for legal and financial purposes. This can have implications for your tax returns, government rebates and benefits, and, in the event of a split, can affect how your assets are divided up.

Read more: Advice for couples at tax time Ways to share money If you’re planning on moving in together, you’ll need to work out how you’d like to pay for your household expenses.

There are a few different approaches to combining money, and each has its pros and cons. Here are some ideas to help you get started:

Proportional method In this approach, each member of the couple contributes to household expenses in line with what they earn.

For example, if one partner earns $100,000 a year, which is 66 per cent of the household income, and the other earns $50,000, which is 33 per cent of the household income they would each contribute accordingly. That means, if the monthly bills come to $3000, then the higher earning partner pays $2000 (66 per cent), while the other partner pays $1000 (33 per cent).

Pros: In this scenario, both partners spend the same percentage of their income towards bills, expenses and entertainment, while keeping what’s left over for themselves individually. That means you can both enjoy a better lifestyle than you could if you kept your money separate. It also relieves the stress of trying to keep up with a higher earning partner, or ‘budget down’ to the level of the lower earning partner.

Cons: One possible drawback to this method is that the higher earning partner could start to feel resentful about contributing more, or you could get into disagreements about whether an expense should be joint, or personal.

Related: Show your finances some self love Equal shares In this system, expenses are split down the middle, regardless of who earns what. You keep the rest of your income to spend how you like. That means you’re also responsible for paying down debts you’ve racked up on your own – your finances are essentially separate.

Pros: This is a great option for people who value their independence, especially in the early stages of a relationship. Neither partner feels like they are contributing too much,or being subsidised.

Cons: If there’s a big disparity in incomes, this can limit your lifestyle to that of the lower earning partner. It’s also not a realistic way to manage many of life’s major events, for example, if you want to buy a home you’ll need all of your borrowing power. Or, if one partner needs to take time off work to have children, you’ll need to reassess the arrangement.

Related: Is your lifestyle affecting your borrowing power?

Going all in Another option is to combine all of your finances. Couples who use this method only have joint bank accounts and credit cards, shared loans and so on. Each partner’s income is deposited into a joint account, and all of your household and personal expenses are paid from a joint account.

Pros: Both partners have complete transparency over the household finances. It’s also simple to manage, as you don’t need to worry about splitting bills. Having an overview of your whole financial situation can also help with financial planning and money management.

Cons: This approach can cause friction if your values and spending behaviour aren’t aligned. One partner can become resentful of the other’s spending, or, disagree with individual purchases they want to make.

As you can see, there’s no right or wrong way for couples to share their money. The most important thing is to keep talking regularly about your finances, and review and alter your approach over time, as your needs change.

For more advice on reaching your financial goals as a couple, why not speak to a financial planner?

November 2021 | FIND KNOX

19

COVID Update

NOVEMBER 2021

Less Children To Suffer From Heart-Attacks When Taking Pfizer

By Warren Strybosch

Pfizer adds ingredient used to stabilize heart attack victims in vax for kids Buried on Page 14 in the Pfizer paperwork submitted to the FDA for the Covid vaccine for children is the following: Vaccine formulation Authorization is being requested for a modified formulation of the Pfizer BioNTech COVID-19 Vaccine. Each dose of this formulation contains 10 μg of a nucleosidemodified messenger RNA (mRNA) encoding the viral spike (S) glycoprotein of SARSCoV-2 that is formulated in lipid particles and supplied as a frozen suspension in multiple dose vials.

To provide a vaccine with an improved stability profile, the Pfizer-BioNTech COVID-19 Vaccine for use in children 5-11 years of age uses tromethamine (Tris) buffer instead of the phosphate buffered saline (PBS) as used in the previous formulation and excludes sodium chloride and potassium chloride. The packaged vials for the new formulation are stored frozen at -90°C to – 60°C. The frozen vials may bethawed and stored at refrigerator at 2°C to 8°C for up to 10 weeks.

Tromethamine (Tris) is a blood acid reducer which is used to stabilize people with heart attacks.

Here are known side effects: Respiratory depression, local irritation, tissue inflammation, injection site infection, febrile response, chemical phlebitis, venospasm (vein spasms), hypervolemia, IV thrombosis, extravasation (with possible necrosis and sloughing of tissues), transient decreases in blood glucose concentrations, hypoglycemia, and hepatocellular necrosis with infusion via low-lying umbilical venous catheters.

COVID Update

NOVEMBER 2021

AMA encourages doctor’s not to abide by their own Code of Conduct

By Warren Strybosch

community know what they can expect from doctors.

The AMA Victoria president, Dr Roderick McRae, said those who do not believe Covid-19 is real or a threat should update their advanced care directives and inform their relatives that they do not wish to receive care in the public health system if diagnosed with the virus.

Under section 3.4 Decisions about access to medical care, the code states:

“Covid-deniers” and “anti-vaxxers” should opt out of care in the public health system if they catch the virus as Victoria reopens, says the Victorian branch of the Australian Medical Association.

This statement by the AMA seems to fly in the face of the code of conduct that doctors must abide by when dealing with patients.

•

The Good Medical practice (the code) describes what is expected of all doctors registered to practice medicine in Australia. It also is intended to let the

Your decisions about patients’ access to medical care must be free from bias and discrimination. Good medical practice involves:

•

•

3.4.2 Not prejudicing your patient’s care because you believe that a patient’s behaviour has contributed to their condition.

3.4.3 Upholding your duty to your patient and not discriminating against your patient on grounds such as race, religion, sex, gender identity, sexual orientation, disability or other grounds, as described in antidiscrimination legislation.

3.4.7 Not allowing your moral or religious views to deny patients

access to medical care, recognising that you are free to decline to personally provide or directly participate in that care.

We understand these are trying times for everyone involved, but we are disappointed that the AMA has politized their role and encouraged doctors and nurses to go against their core values of why they joined the profession e.g., to care for all people needing medical attention.

Maybe someone in his profession needs to remind Dr Roderick McRae of his own code for which he should be abiding by? This language can only be seen as inflammatory in a time that is already stressful for medical practitioners in Victoria.

More COVID information on Page 69

Welcome back to Your Library!

We are so excited to welcome you back! From Monday 8 November, our libraries will open in line with government guidelines. Libraries will open: • Monday-Friday, 9am-5.30pm• Saturday, 10am-1pm • Sunday, 12pm-5pm (select branches only) • *Some variations will apply. Find your local library here.

Your safety, and the safety of our staff, is our number one priority. When we reopen, all of our staff will be fully vaccinated. Conditions of entry will include:

Supporting you in proving your vaccination status and accessing your library

You must show proof of COVID-19

You must check-in using the Service

You must continue to wear a mask

vaccination (or a signed medical

Victoria app (available on our iPads in

while indoors (unless you have a lawful

exemption)

branch)

exemption*)

Density limits of 1 person per 4 square

The hand sanitizer provided must be used

Please do not enter the library if you are

metres will apply

before entry to the library

unwell

Digital Certificate help Need help setting up your COVID-19 Digital Certificate? We’ve prepared some guides for you to read or watch. We’re also holding a step-by-step online help session where you can get help from our friendly tech team.

Printing your certificate We offer a Print & Collect service. You can send us your digital certificate and organise to have it printed and ready to collect when you arrive at the library.

Click & Collect continues If you are unable to enter the library for any reason, you can still access our collections via Click & Collect. Browse, reserve, and arrange collection through the Your Library ERL app, or just call your local library.

November 2021 | FIND KNOX

23

2021 TA SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses.

In response to the July 2021 South Australian lockdown: • businesses with a reduction in turnover are eligible for emergency cash grants of up to $3,000 • further grants of up to $6,000 for businesses who had a delayed reduction in turnover from the lockdown • specific business support grants of up to $3,000 available for businesses in eligible industries, with continuing top-ups paid automatically • eligible events suffering significant losses from being cancelled or postponed can access funding of up to $100,000, and • individuals outside the federal government’s declared hotspot areas who lose work hours will be

Announced: 26-Mar-2020 Updated: 27-Sep-2021

entitled to the COVID-19 Disaster Payment.​ In addition to these grant payments to affected businesses, in the past relief from payroll tax and land tax has been available. In particular, smaller employing businesses have been given a waiver of payroll tax from March 2020 to May 2021. Land tax deferrals were available to landlords during the 2020 land tax year.

Also, landlords who provided rent relief, or commercial property owner-occupiers who were eligible for JobKeeper, were eligible for reduction in land tax liabilities up to 30 April 2021.

Queensland COVID-19 business grants and assistance In its response to the current COVID-19 lockdowns across August 2021, the Queensland Government has implemented support grants for businesses across the state. The support package is jointly funded by the Commonwealth and Queensland governments. The grants have recently been extended to include businesses on the border to NSW who have struggled due to the border closure. Assistance is available from 14 August 2021. Grants of up to $15,000 will be available to eligible small and medium businesses across all industries. Support payments of up to $30,000 will also be provided to eligible impacted large hospitality and tourism businesses. Applications for grants opened on 16 August 2021. Non-employing sole traders may

Announced: 8-Apr-2020 Updated: 29-Sep-202

also be eligible for a one-off $1,000 grant, with more information to be released soon. A COVID-19 cleaning rebate of up to $10,000 has also been introduced for eligible small and medium businesses and not for profit organisations. Tourism and hospitality businesses have also been given the option to defer payment of their July or August 2021 monthly payroll tax liability for 6 months.

COVID-19 Disaster Payment to be phased out The COVID-19 Disaster Payment provides a federally funded assistance payment for people who have lost work in 2021 as a result of state-based lockdowns. Originating in June 2021, it has been recently announced that this tax-free payment will be phased out once a state reaches COVID-19 vaccination targets for eligible populations. Depending on when the payment is received, a recipient would receive between $320 and $750 per week. Those in receipt of other Government support would be entitled to either $100 or $200 per

Announced: 3-Jun-2021 Updated: 1-Oct-2021

week. The payment may also be available to individuals who have lost working hours and live outside a Commonwealth declared hotspot provided they meet other criteria. The accessibility of these payments is at the discretion of state-based policy. Like other support payments, it will be available through Services Australia. Further details on the payment and key eligibility dates can be accessed on the Services Australia website.

Victoria COVID-19 business grants and assistance The Victorian Government has recently announced that critical assistance and hardship programs for businesses will begin being phased out in October 2021. It is expected that most ongoing business support programs will cease once the state reaches a COVID-19 vaccination target of 80% of people aged 16 years and older. These support grants commenced in July 2021 for certain businesses impacted by the lockdown and was extended in September. Many of these payments are made automatically to businesses and sole traders that received grants under established COVID-19 support programs. The Commercial Tenancy Relief Scheme has been reintroduced to provide support for eligible tenants and landlords. Other industryspecific support packages were also rolled out across 2020-21. Eligible businesses include those expected to be highly impacted by drops in turnover from extended COVID-19 restrictions, such as the alpine regions, Melbourne CBD or the City of Ballarat. Most of the grants assisted with unavoidable business expenses that are not support by other government funding.

Announced: 9-Apr-2020 Updated: 6-Oct-2021

AX UPDATES ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns beginning on 13 August 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. The package is jointly funded by the Commonwealth and ACT governments. Grants of up to $20,000 will be available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants have recently been extended for October 2021. Businesses do not need to re-apply as payments will be

Announced: 22-Mar-2020 Updated: 6-Oct-2021

automatically paid. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021, which has been increased and extended as the lockdown continues. Other support of up to $75,000 in rebates is also available for eligible impacted accommodation, hospitality and tourism businesses.

Tasmania COVID-19 stimulus package The Tasmanian and Australian governments recently announced a support package designed to assist micro and small businesses that are impacted by lockdowns and restrictions that are affecting other states.

Grants of up to $110,000 will be provided to eligible businesses that have suffered a reduction in turnover as a direct result of lockdowns and border closures reducing the: Announced: 20-Mar-2020

•

number of visitors being able to travel to Tasmania, and/or

•

ability to provide, sell or import/export goods and services.​

Updated: 11-Oct-2021

The grants are available in 3 stages and businesses will need to meet eligibility criteria on multiple occasions in order to receive the full benefit. Applications for the grant opened on 17 August 2021 and will close on 8 October 2021. Payroll tax support will be available in the second half of 2021 for eligible industries.

Director Identification Numbe The Director Identification Number (DIN) regime was passed by parliament and is now law. Under the new law, all directors of companies registered under the Corporations Act will need to have a unique identifier.

The DIN is a measure that limits the opportunities for a company and its directors to engage in phoenixing

Announcement(3-Dec-2019)

activities. This new measure requires all directors to confirm their identity before receiving a DIN, and there

Consultation(3-Dec-2019)

will be civil and criminal penalties for system misuse. The Commissioner of Taxation has been appointed the Commonwealth Registrar in charge of the DIN process. The new online service for DIN registrations is due to be available in November 2021. All of ASIC’s business registers and the ABR will be integrated over time into

Introduced(4-Dec-2019) Passed(12-Jun-2020) Royal Assent(22-Jun-2020) Date of effect(22-Jun-2022)

one system at the ATO. A finalised instrument has also been published, which states a transitional period to 30 November 2022 for existing directors to register.

SMSF exempt current pension income changes proposed Self-managed superannuation funds may have simplified reporting options for their income tax calculation from 1 July 2021 subject to the passing of legislation. The 2019 federal budget announcement intends to allow SMSFs to choose a preferred method of calculating the exempt current pension income (ECPI). There are two current methods an SMSF may calculate the ECPI, being either the segregated assets or proportionate method. However, higher compliance costs occur in some circumstances where an SMSF must use both the

Announcement(12-Jun-2019) Consultation(18-Jun-2021) Introduced Passed

proportionate method and the segregated assets method in the same year. Also, a requirement for an SMSF

Royal Assent

to get an actuarial certificate due to the assets being considered “disregarded” has been removed. In this

Date of effect

instance, an SMSF in full pension phase can use the segregated assets method.

See More

November | FIND KNOX

25

NOVEMBER REALESTATE 2021

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 November | FIND KNOX

27

November 2021 REALESTATE

Protecting Our Green Areas And Significant Spaces We are hosting a virtual session to inform you of our draft Green Areas and Rural Strategy and the opportunities for consultation. The draft Strategy sets out the land use directions for our green areas and significant landscapes over the next 20 years.

You are invited to register for the session which will take place at 6.30pm on Thursday 25 November. Our team will be present to answer any questions you have. The discussion will be facilitated by independent consultants from Conversation Co. In Knox, we have extensive green wedge land that is important for agriculture, rural living, recreation, biodiversity and tourism. These areas are highly valued by our community and we need to protect them for the future.

The draft strategy sets out values to protect and land usage directions for the next 20 years. It covers the following precincts: • • • • •

The Basin Rural Landscape Lysterfield Valley and Hills Lysterfield Quarries and surrounds Dandenong Creek Valley Healesville Freeway Reservation and surrounds.

The draft strategy proposes actions to make improvements in each precinct including habitat restoration, wildlife connectivity, protecting view lines and cultural heritage, supporting agriculture and tourism, walking and cycling connectivity and improved access to parklands.

If you can’t join us for the online session, we’ve got 2 more engagement sessions planned on Saturday 4 December:

• •

10am to 12pm – Meet us at the pop up session at Tim Neville Arboretum playground 2pm to 3pm – Complete a survey at The Basin Triangle playground

Alternatively, find out more about the draft strategy and complete an online submission on our Have your say website. Opportunities to provide feedback close on 12 December 2021.

November 2021

Shout Out For Young Voices

Recruitment for the 2022 Youth Advisory Committee is currently in full swing. We are looking for young people aged 1225 and community members over 25 who are interested in youth issues.

The Advisory Committee is a lively and productive forum for people who are passionate about issues that affect the lives and wellbeing of young people in Knox. It brings together a range of young people aged 12 – 25, community representatives and Councillors.

The focus of the committee is to consider

the perspective and ideas of young people on a range of important issues and provide feedback to Council.

Recent topics include: • • • • •

our climate response plan ideas for activating Boronia Activity Centre (part of the Boronia Revitalisation Project) the Council and Community Plans ideas for projects to improve intergenerational connection within Knox feedback on the Gilbert Park Youth Pavilion mural

•

improving emergency management.

The committee meets once a month either online or in a wheelchair accessible venue. The first meeting of 2022 will be held in February.

Anyone interested is invited to complete the online application form. Applications close at 9am on Wednesday 24 November.

Find out more about the Youth Advisory Committee. You can also email youth@ knox.vic.gov.au or call our Youth Services team on 9298 8000.

November | FIND KNOX

29

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

Knox Reimagining Knox

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

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

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

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

on our community spaces as works progress.

Access more images of the Westfield Knox development through the Westfield Plus app.

Not a member? Download the free Westfield Plus app today > Explore our current retailer offers > *Artists' impression only. Subject change

to

The project will showcase our responsible business strategy, including a number of sustainability initiatives which will improve the centre’s energy, water and emissions intensity. The installation of a large rooftop solar system will generate onsite renewable electricity.

We’re looking forward to our customers joining us on this exciting journey, and will have more news to share including new retail announcements and details November | FIND KNOX

33

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

November 2021 | FIND KNOX

START A COMMUNITY PROJECT RETIREMENT

By Bernard Kelly

As a senior, you would normally have some flexibility in your daily schedule.

This of course is what those still in the workforce dream about, however if you allow idleness to develop, that will have an adverse impact on your zest for living.

Now the current probability statistics show that for anyone aged 65 today, your “estate event” – that’s a polite expression used by the retirement planning industry – is likely to occur for a male at age 93 and for a female at age 95.

But of course, those figures are only the average. Obviously over half of us will be living well into our 90s.

So how will you occupy your time? How can you develop relationships? How can you maintain your mental and physical health?

My current research suggests the solution is to establish a community project.

Let me give you an example. There’s a vacant school site near where I live, and it’s nicely overgrown with trees and shrubs and the concrete pads for the classrooms are all still there.

Effectively it’s been abandoned by the government, but the concern is that someday a bureaucrat will have a need to sell it off. Even with very little open space remaining locally, it probably will be sold for a housing development.

It needs Protection.

Now there will be pockets of land in your locality which will similarly need a Protector – and that’s you!

Every Community Project will have elements how a charity operates – such as grants, volunteers, donations, an extended timeline – but it’s really more likely to be called a “social enterprise” with a Social Mission.

35

Photo by Greta Hoffman from Pexels

And they are really easy to start – just post a series of posts on your local community noticeboard on Facebook, asking for anyone with a similar concern to meet you for coffee – probably at your home, at 11.00 am on Saturday.

Perhaps only a handful will turn up.

But that’s enough. Allocate tasks and “portfolios” to these core members, and set them the task of establishing a series of achievable goals.

Your goal of maintaining your personal zest for living will then be well underway. **** Bernard Kelly writes studies how retirees can maintain their zest for living. His email is bernardkellygeelon@gmail.com

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

November 2021 | FIND KNOX

35

PAGE

PROFESSIONAL SERVICES

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

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PROFESSIONAL SERVICES

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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

November | FIND KNOX

39

PAGES

LOCAL TRADIES

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

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

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 51 • Garage Doors ---------------------- 51 • 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.

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

▪

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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.

BOOK YOUR FREE TRIAL NOW by calling

Go to www.findknox.com.au/graphic-design to upload LONG BLACK your details and we will create this for you.

XPRESSO DELIGHT WARRANWOOD 0418 393 085

....and many more!

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.

November | FIND KNOX

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PAGES

HOME & GARDEN

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

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

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

TRADIES - FREE ADVERTISING Email your artwork to editor@findknox.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

HEALTH & BEAUTY

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

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

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 53 • 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

November | FIND KNOX

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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

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NOVEMBER 2021

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

November | FIND KNOX

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Birth, Deaths & Marriages NOVEMBER 2021

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

November | FIND KNOX

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KNOX

Support your Local Not-For-Profit

Find Coffee

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Fine, Contemporary & Bistro

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Great Local Deals

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

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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LOCAL COUPONS OFFERS

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

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

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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.

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Takeaway

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

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NEW OFFERS COMING

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Entertainment

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COVID Update

NOVEMBER 2021

How to get your COVID-19 digital certificate

Phase D: 90% Fully Vaccinated (12+ years) Indicative date: 24 November 2021

Retail, hospitality and entertainment:

Once 90% of Victorians aged 12 and over are fully vaccinated, all gathering limits, capacity and density limits will no longer apply.

• Venues can operate at maximum capacity subject to vaccination requirements and COVIDSafe measures.

Social:

Major Events:

• No limits to number of people who can gather in the home and outdoors.

• Masks are not required except in limited high-risk or low vaccinated settings and where is it difficult to socially distance.

• Events may proceed with no attendee caps or density limits for the fully vaccinated.

• State significant venues hosting major events will need to have one-off approval of their COVIDSafe venue plan. Events with significant numbers of children may not be able to operate at full capacity while vaccines remain unavailable for children.

Work: • On-site work can return for anyone fully vaccinated.

Find more information in more resources:

Stakeholder Pack 70

FIND KNOX | November

www.findknox.com.au

NOVEMBER 2021

Victorian Government | Businesses Reopening Introduction Victoria is reopening, in line with the Roadmap to Delivering the National Plan.

This means that from Friday 22 October 2021, people over the age of 16 must show they are fully vaccinated against COVID-19 as a condition of entry to some businesses.

To support businesses as they talk to their customers ahead of the new requirements, the following communications resources have been developed.

You can help by: • •

Sharing the resources from this stakeholder pack with your network.

Direct people to the Victorian Government’s coronavirus website for all current information and updates: CORONAVIRUS.vic.gov.au

Guides and templates for you and your workers

Guides 1

Customer checks in using QR Code All customers must check-in using the Service Victoria Code

Check-in displays additional tick

If your customer’s check-in displays an additional green tick, they are fully vaccinated and allowed to enter the venue

Allowed to enter

Check-in displays question mark

If your customer’s check-in displays a red question mark, they are not authorised to enter the venue unless they are able to provide an acceptable proof of vaccination or a medical exemption

Not allowed to enter

Stakeholder Pack www.findknox.com.au

Guides 2

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NOVEMBER 2021

Worker checks in using QR Code All workers must check-in using the Service Victoria QR code

Check-in displays additional tick

If your worker’s check-in displays an additional green tick, they are fully vaccinated and allowed to enter the venue

Allowed to enter

Check-in displays question mark

If your worker’s check-in displays a red question mark, they are not authorised to enter the venue unless they are able to provide an acceptable proof of vaccination or a medical exemption

Not allowed to enter

Customers without a smart phone will be required to present a valid certificate from the Australian Immunisation Register or a printed copy of their COVID-19 vaccination certificate to prove their vaccination status. It is important for venue staff to cross check this information with a valid form of photo ID such as a drivers’ licence.

In addition to proving their vaccination status with venue staff, it is important for these customers to check-in to help contact tracers in the event of a COVID-19 outbreak.

Kiosk Check-in service The Kiosk check-in service in the Service Victoria app enables workers to check-in customers and visitors who can’t check-in for themselves.

This is a simple electronic form to help staff record a visitor’s first name, family name and contact phone number on the venue’s device.

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Stakeholder Pack 72

FIND KNOX | November

www.findknox.com.au

NOVEMBER 2021

Step 1: Log in to the Victorian Government QR Code

Contact, enter their details in the Kiosk Contact details

Service

section and select ‘Save’

Step 2: Select the location / area of your venue where

•

The Kiosk Contact will receive an email with an

you would like to have Kiosk check-in available

8-digit Kiosk code and instructions for setting up Kiosk

Step 3: Nominate a Kiosk Contact, by clicking on the

check-in on your selected device. Ensure that your

pencil icon to edit the screen

device is online

Step 4: Enter the Kiosk Contact details Step 5: Visit the Kiosk check-in on your device and •

•

If the location contact details are the same for the

bookmark the link in your browser Step 6: Enter the 8-digit

Kiosk Contact, tick the ‘Copy existing location contact

Kiosk code we sent to your Kiosk Contact and select ‘Next’

details’ checkbox and select ‘Save’. The contact

Step 7: Enter the Security Code (a one-time password

details will be copied across automatically

that is emailed to the Kiosk Contact after they enter the

If you would like to nominate a different Kiosk

Kiosk code) and select ‘Verify’

Some people feel strongly about COVID-19 rules.

• Explain that they must comply or leave the premises • Ask for help — call in colleagues and managers to

If customers are aggressive or intimidating, your safety and the safety of your workers is the top priority.

assist • Alert security or contact Victoria Police if the situation escalates

Don’t put yourself in harms way.

DO

• Retreat to a safe location if you feel threatened

DON'T

•

Stay calm and speak in a clear voice

•

Listen to the customer and be patient

• Argue — try to contain and limit any hostility

•

Nominate someone (such as the manager on site) to

• Raise your voice — even if the customer is yelling at

handle complaints Then the nominated person can: • Remind the customer that the rules have been put in place so you can safely reopen, and you must follow them or risk being shut down

you, don’t yell back • Put your safety at risk — go to a safe place if you need to

Stakeholder Pack www.findknox.com.au

November 2021 | FIND KNOX

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NOVEMBER 2021

Customers aged 16 or over must show proof of COVID-19 vaccination or a signed medical exemption as a condition of entry to most businesses. Here is what is accepted:

Tips on what to say to customers, workers and visitors Proof of vaccination status THE RULE: All visitors to the premises, including customers, workers and contractors, must provide proof of vaccination status before entry.

•

Make sure you have the Express Plus Medicare app

•

If you’re having trouble getting the app, you can

- you can download it from the App store or Google

access support for the Express Plus app, Medicare

Play store. Update your Service Victoria app at the

online or myGov by calling 132 307 Mon - Fri: 7am –

App store or Google Play store. Open the Express Plus

10pm, Sat & Sun: 10am – 5pm. For help with accessing

Medicare app. Tap ‘Immunisation history’. Click on your

your COVID-19 Digital Certificate Immunisation History

name. Tap ‘Share certificate’. You’ll see a list of apps

Statement Phone 1800 653 809 Mon-Fri between 8am

that you can share your certificate to. Tap ‘share’ next

and 5pm.

to Service Victoria. Read the conditions and then tap

•

Please check-in using the Service Victoria QR Code

‘Accept and share’. Tap ‘Add certificate’. Your COVID-19

and a staff member will check to confirm your

digital certificate is now stored in your Service Victoria

vaccination status before entry – it only takes a few

app and linked to the QR code check-in function.

moments.

November 2021 | FIND KNOX

73

Stakeholder Pack •

•

•

NOVEMBER 2021

Thanks for your patience – this trial will help our

Immunisation Register can issue you with a printed

business work through how

copy of your certificate. You can also download and

we can check customers vaccination status so we

print a copy of your COVID-19 vaccination certificate

can open up sooner

from myGov.

You can upload your COVID-19 Digital Certificate to

•

We know this is new and we haven’t done this before,

the Service Victoria app

but we’re counting on you to support us so we can

by following the instructions on this flyer.

get back to normal.

If you do not have a smart phone, the Australian

Posters and flyers for display Flyer

Download your COVID-19 proof from myGov by following these simple steps:

Step 1.

Create a myGov account, if you don’t have one

Step 2.

Link Medicare to myGov, if it’s not already linked

Step 3.

Select the ‘Proof of COVID-19 vaccination’ quick link, then select ‘View history’

Step 4.

Select your name to download your COVID-19 digital certificate or

Step 5.

Link your COVID-19 digital certificate to the Service Victoria app by selecting

Step 6.

Tap ‘share’ to Service Victoria, click ‘Accept and share’ and then ‘Add certificate

Step 7.

To prove your vaccination status with a business or venue, scan their Service Victoria QR

immunisation history statement from your Medicare online account

‘Share certificate’

code. Your check-in confirmation will reveal an additional green tick to prove you are vaccinated.

Who can I call if I need help?

For more information go to

Staff may be able to assist you in

CORONAVIRUS.vic.gov.au

checking in if you need help. If you need further assistance call the 24/7 Coronavirus Hotline.

1800 675 398

Authorised by the Victorian Government, 1 Treasury Place, Melbourne

Stakeholder Pack

NOVEMBER 2021

Poster 1

Poster 2

Poster 3

Poster 4

November | FIND KNOX

75

Stakeholder Pack

NOVEMBER 2021

Poster 5

Poster 6

Poster 7

Poster 8

Stakeholder Pack

NOVEMBER 2021

Poster 9

Suggested web copy Suggested Web Copy for industry groups and businesses This template provides guide copy for your website: Vaccination is your ticket to get back to <the pub,our place,in stores etc>.

From Friday 22 October 2021, customers over the age of 16 at a variety of businesses must show their COVID-19 vaccination status as a condition of entry.

With everyone on-site fully vaccinated, we’ll be able to open the doors to a greater number of patrons and serve more customers, helping to fast-track the recovery of our business.

The quickest and easiest way to show proof of vaccination is by adding your COVID-19 digital certificate to the Service Victoria app.

To add your COVID-19 digital certificate to the Service Victoria app, you’ll need to be fully vaccinated against COVID-19 and have the latest version of the Service Victoria app installed on your phone.

You’ll also need either:

Medicare online account or Individual Healthcare Identifier linked to your myGov accoun and the latest version of the Express Plus Medicare app installed on your phone.

You can add your COVID-19 digital certificate to the Service Victoria app from the Express Plus Medicare app or your myGov account.

The easiest way is through the Express Plus Medicare app.

Once you’ve added your COVID-19 digital certificate to your Service Victoria app, it will show proof of vaccination each time you check in to a venue.

Showing us your COVID-19 digital certificate is your way of contributing to a safer Victoria for all of us, everywhere.

November | FIND KNOX

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Stakeholder Pack

NOVEMBER 2021

EDM Suggested eDM copy for businesses and industry groups This template provides guide copy for your website: Dear valued customers,

•

Medicare online account or Individual Healthcare Identifier linked to your myGov account and the latest version of the Express Plus Medicare app installed on your phone.

Vaccination is your ticket to get back to <the pub, our place, in stores etc>.

•

From Friday 22 October 2021, customers over the age of 16 at a variety of businesses must show their COVID-19 vaccination status as a condition of entry.

You can add your COVID-19 digital certificate to the Service Victoria app from the Express Plus Medicare app or your myGov account.

The easiest way is through the Express Plus Medicare app.

The quickest and easiest way to show proof of vaccination is by

Once you’ve added your COVID-19 digital certificate to your

adding your COVID-19 digital certificate to the Service Victoria app

Service Victoria app, it will show proof of vaccination each time you check in to a venue.

To add your COVID-19 digital certificate to the Service Victoria app, you’ll need to be fully vaccinated against COVID-19 and have the latest version of the Service Victoria app installed on your phone.

You’ll also need either:

Showing us your COVID-19 digital certificate is your way of contributing to a safer Victoria for all of us, everywhere.

Social Assets

Suggested Social post for industry groups and councils Post Copy: As more businesses reopen, vaccination is the most important way we can protect workers, customers and our community from COVID-19.

Learn how to make sure your business is COVIDSafe by visiting coronavirus.vic.gov.au/plan.

Stakeholder Pack

NOVEMBER 2021

Suggested Social Post for businesses Post Copy: Vaccination is your ticket to get back to our place.

From Friday 22 October 2021 all patrons over the age of 16 must show proof of COVID-19 vaccination status as a condition of entry.

Make sure to add your COVID-19 digital certificate to your Service Victoria app before you arrive.

Thanks for helping our business reopen safely.

Find out more at www.coronavirus.vic.gov.au/vaxproof

SMS, phone script and booking confirmation

SMS for businesses SMS Copy: Vaccination is your ticket to get back to our place. From Friday 22 Oct all patrons aged 16+ must show their vaccination status as a condition of entry.

For more info visit coronavirus.vic.gov.au/get-your-covid-19-digital-certificate

Suggested Phone Script for businesses Phone Script: From Friday 22 October 2021, all patrons over the age of 16 must show proof of their COVID-19 vaccination status as a condition of entry.

Before you arrive, please make sure you have added your COVID-19 digital certificate to the Service Victoria app or bring printed proof of vaccination with you.

You can find more details about how to add your certificate by visiting coronavirus.vic.gov.au

Suggested email copy for booking confirmation Booking confirmation email copy: Thank you for your booking. Please note that from Friday 22 October 2021, all patrons over the age of 16 must show proof of their COVID-19 vaccination status as a condition of entry.

Before you arrive, please make sure you have added your COVID-19 digital certificate to the Service Victoria app or bring printed proof of your vaccination with you.

You can find more details about how to add your certificate by visiting coronavirus.vic.gov.au

November | FIND KNOX

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COVID Update

Victoria's Roadm

DELIVERING THE NATION PLAN National Plan: Phase A

80%

METRO MELBOURNE

Victorians can get outside to catch-up with friends and do some of the outdoor activities we’ve gone without.

Recreation: • You can play basketball, golf, tennis, cricket and other outdoor recreation activities together - with the same limits as picnics. Accessing facility must be contactless • Personal training resumes for up to five fully vaccinated people outside.

National Plan: Phase A

School Reopens Our next step is reopening schools planned for October 5th.

• Students can return to sit the GAT if required on October 5th.

• From 6 October, on-site learning for VCE Units 3/4, and final year VCAL & IB students.

• From 18 October, prep students return three days a week, years 1 & 2 students return two days a week.

National Plan: Phase B

70%

From 11.59pm 21 October

At 70% fully vaccinated lo Melbourne.

Social and Recreational: • Reasons to leave home longer in place.

• 10 people including dep your home per day • 15 people can gather ou dependents. Community returns for minimum requ training.

• Pubs and clubs can ope vaccinated people indo outdoors. Entertainment to 50 fully vaccinated pe • Funerals and weddings a vaccinated indoors, 50 f outdoors

Education: • All school students return

Hairdressing and persona • Open for up to 5 fully va

REGIONAL VICTORIA

80% Regional Victoria is out of lockdown, and at 80% first dose some further easing can go ahead.

Beauty Services: • Mask may be removed for the duration of the service.

School Reopens Schools continue to be open in Regional Victoria for on-site learning for VCE Units 3/4, final year VCAL & IB students, Prep and Year 1 and 2 students.

• Further advice on the return to onsite learning for remaining year levels will be provided by 30 September.

70%

More social and recreatio for fully vaccinated Victor

Social & Recreational: • 10 people including dep your home per day • 20 people can gather ou dependents • Community sports return minimum number requir • Pubs, club and entertain open indoors to 30 fully indoors.

Education • All school students return

Religious Ceremonies • Funerals and weddings a fully vaccinated people vaccinated outdoors.

map

NOVEMBER 2021

Roadmap easing thresholds: In addition to reaching the vaccination threshold at each point in the roadmap, easing restrictions will depend on public health advice as to the current epidemiology.

National Plan: Phase C

National Plan: Phase D

80% (16+yrs)

90% (12+yrs)

r 2021

From 6pm Friday 29 October 2021

ockdown will end in

(includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

and curfew no

pendents can visit

At 80% fully vaccinated, regional Victoria and Metro Melbourne come together under the same rules.

en to 20 fully oors and 50 venues can open eople outdoors. allowed for 20 fully fully vaccinated

Social and Recreational: • 10 people including dependents can visit your home per day • Up to 30 people including dependants can gather in public outside.

• Indoor community sport open for minimum number required.

• Masks are only required inside.

• Pubs, restaurants and cafes can open for seated service fully vaccinated people indoors (DQ4) and non-seated service up to 500 fully vaccinated people outdoors. (DQ2).

n

Work: • Work from home if you can, but you can go to work if fully vaccinated.

utdoors including y sport training uired to hold

al care: accinated people.

on activities open up rians.

pendents can visit

outdoors, including

ns indoors for red. nment venues are vaccinates people

Hairdressing, beauty, personal care: • Open fo fully vaccinated people.

Retail: • All retail open.

Education: • Early childhood education and care is open.

• All students return to school with additional safety measures in-place.

• On-site adult education returns for fully vaccinated Victorians.

Religious Ceremonies: • Weddings, funerals, and religious sevice return to fully vaccinated people indoors (DQ4), or 500 outdoors (DQ2).

Indicative date 24 November Once 90% of Victorians aged 12 and over are fully vaccinate, all gathering limits, capacity and density limits will no longer apply.

Social: • No limits to number of people who can gather in the home and outdoors.

• Masks are not required except in limited high-riskor low vaccinated settings and where is it difficult to socially distance.

Work: • On-site work can return for anyone fully vaccinated.

Retail, hospitality and entertainment: • Venue can operate at maximum capacity subject to vaccination requirements and COVIDSafe measures.

Major Events • Events may proceed with no attendee caps or density limits for the fully vaccinated.

• State significant venues hosting major events will need to have one-off approved of their COVIDSafe venue plan. Events with significant numbers of children may not be able to operate at full capacity while vaccines remain unavailable for children.

Education: • Early childhood education and care is open.

• All students return to school with additional safety measures in-place.

• On-site adult education returns for fully vaccinated Victorians.

Religious Ceremonies: • Weddings, funerals, and religious sevice return to fully vaccinated people indoors (DQ4), or 500 outdoors (DQ2).

n onsite fulltime

are allowed for 30 e indoors or fully

November | FIND KNOX

81

COVID Update

Metro Melbourn

Victoria’s Roadmap: Deliver Summary of proposed restriction levels - Metropolitan Melbourne

Note 1: The settings below are indicative only and subject to change. All changes to the Chief Health Officer’s Directions are bas the Charter for Human Rights and Responsibilities) at the relevant time, in light of the specific risks to public health and changes/ delegate) must act in a way that is compatible with the Charter for Human Rights and Responsibilities.

Note 2: Cleaning, signage, record keeping, and other COVIDSafe requirements for work premises continue to apply for all venue Density quotients (DQ) apply to all venues and spaces that are accessible to the public.

Note 3: All proposed easings from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and e

80% of 16+ with a single dose

Category

Social gatherings, leaving home and visitors

70

Returning Students to the Classroom

Subject to Public Health consideration of epidemiology at the time

F Subject to Public Health consideration Subject t of epidemiology at the time e

Stay at home unless:

No change

Stay Sa •

•

shopping for necessary goods and services (once a day, one person per household) • caregiving or compassionate reasons • essential work or permitted education • exercise • getting 80% ofCOVID-19 16+ withvaccination a single dose • Outdoor socialising in limited groups within to exercise time limit (total 4 Subject Public Health consideration hours) of epidemiology at the time • other specified reasons (specific exemptions apply)

•

No hom No

Stay at home curfew from 9.00pm 5.00am

Intrastate travel: Must not travel further than 15km from place of primary residence, except: •

to access necessary goods and services where those goods and services cannot be accessed closer than 15kms from home with a single dose • to80% visit of an16+ intimate partner • to travel for authorised work and Subject to Public Health consideration permitted education of epidemiology at the time • caregiving and compassionate •

reasons (specific exemptions apply) resident of metropolitan Melbourne allowed to leave the Restricted Area to receive a COVID-19 vaccination if it is in an adjacent LGA to where they reside.

No change

Intrasta • • •

Allo rest Mo Me rest Res Me bou vac to w

ne

ring the National Plan

sed on public health advice (including epidemiological evidence) and legal advice (including as to compatibility with /measures proposed. All directions must be reasonably necessary to protect public health and the Chief Health Officer (or

es and facilities with onsite operations as per Workplace Directions and Workplace (Additional Industry Obligations) Directions.

employers to confirm vaccination status of patrons and employees, respectively.

80% of 16+ fully vaccinated (includes additional easing for 80% of 0% of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar From 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

afe

No change

No capacity limits.

restrictions on reasons to leave me curfew

Intrastate travel:

No density limits.

•

No gathering limits

Allowed

Interstate Borders: • Red Zone - To test on arrival and isolate until negative result for fully vaccinated • Orange zone - no further obligations for fully vaccinated

International Travel: • From 1 Nov, fully vaccinated arrivals, no quarantine, test within 24 hours

Masks in high risk indoor settings or settings where there are low vaccination levels and where you cannot socially distance All vaccination requirements remain including for non- essential retail.

Minimise cases in the community without ongoing restrictions or lockdowns

ate travel:

owed across area with same trictions. ovement between Metro elbourne and Regional Victoria tricted to specified purposes sident may cross the Metro elbourne/Regional Victoria undary to receive a COVID-19 ccination if it is in an adjacent LGA where they reside.

November | FIND KNOX

83

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Education and Childcare

70%

Returning Students to the Classroom

Subject to Public Health consideration of epidemiology at the time

Fr Subject to Public Health consideration Subject t of epidemiology at the time e

Schools:

Schools:

Schools

•

•

• •

•

Remote learning for most students but open to vulnerable children and the children of APAW workers. x2 weekly PCR testing for employees crossing in-out of metro/regional 80% of 16+ with a single dose Subject to Public Health consideration of epidemiology at the time

• • • • • • •

In addition to vulnerable children and children of APAW workers On 5 October, GAT students From 6 October, on-site learning for VCE Unit 3/4, final year VCAL and IB students From 18 October, on-site learning for: Prep (Monday -Wednesday) Year 1 & 2 (Thursday –Friday) Out of school hours care operating all days On-site learning must have safety measures in place

• • • • • • • • • • •

Adult education: • •

No change

Adult e •

Closed, remote learning only.

Final exams to proceed enabled by APAW 80% List. of 16+ with a single dose

•

Subject to Public Health consideration of epidemiology at the time

Places of worship

Religion: •

Funerals

Involves 10 people 80% of no 16+more withthan a single dose (and those necessary to conduct the funeral) Subject to Public Health consideration of epidemiology at the time

• •

No change

Mus lear lear Fina APA

Religion •

No in-person permitted.

80% of 16+ gatherings with a single dose Broadcast permitted (maximum 5 people attendance).

Subject to in Public Health consideration of epidemiology at the time

Funerals: •

No change

Vuln VCE stud Prep Yea From Yea Yea Yea Yea Yea Yea Out all d Onmea

Fully with Indo Unk cap of 2

Funeral • • •

Fully with Indo Unk cap of 2

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of % of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

s:

nerable children E Unit 3/4, final year VCAL and IB dents p (Monday - Wednesday) ar 1 & 2 (Thursday – Friday) m 22 October, on-site learning for: ars 3 & 4 (Tuesday –Wednesday) ars 5 & 6 (Thursday-Friday) ar 7 (full-time, five days) ars 8 & 9 (Tuesday –Wednesday) ars 10 (Thursday-Friday) ars 11 (full-time, five days) t of school hours care operating days -site learning must have safety asures in place

Schools: On-site learning for all levels with safety measures in place

education:

Adult education:

st learn from home, on-site rning for hands-on, skills-based rning al exams to proceed enabled by AW List.

• • •

Learn from home if you can, on-site learning for hands-on, skills-based learning AND, On-site if you are fully vaccinated (DQ2) Density limit does not apply to teaching and learning spaces

n:

Religion:

y vaccinated: Outdoor cap of 50 h DQ4 OR oor cap of 20 with DQ4 OR, known vaccination status: indoor p of 10 with DQ4 OR outdoor cap 20 DQ4

•

ls:

Funerals:

y vaccinated: Outdoor cap of 50 h DQ4 OR oor cap of 20 with DQ4 OR, known vaccination status: indoor p of 10 with DQ4 OR outdoor cap 20 DQ4

•

•

•

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Unknown vaccination status: 30 cap, DQ4

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Unknown vaccination status: 30 people per facility (and those necessary to conduct funeral), DQ4

November | FIND KNOX

85

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Weddings

70%

Returning Students to the Classroom

Subject to Public Health consideration of epidemiology at the time

Fr Subject to Public Health consideration Subject t of epidemiology at the time e

Weddings:

No change

•

•

Not permitted unless end of life or 80% compassionate of 16+ with a single dose other reasons.

• Involves only 5 people Subject to Public Health (and marrying coupleconsideration plus those of epidemiology at wedding) the time necessary to conduct

Physical recreation & sport (Includes indoor playcentres, indoor skateparks and indoor trampoline centres)

Physical recreation & community sport:

Swimming pools, hydrotherapy pools, spas, saunas, steam rooms, springs

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor):

• •

No change

Outdoor facilities open for contactless recreation • All others closed 80%vaccinated: of 16+ withOutdoor a singlepersonal dose • Fully training up to 5 cap to Public Health consideration • Subject If not fully vaccinated: Outdoor of epidemiology personal training upat tothe twotime people plus the trainer • • Five people allowed to broadcast online classes at a physical recreation facility (e.g. gym, dance studio)

• •

No change

• •

Subject to Public Health consideration of epidemiology at the time

•

Outdoor playgrounds, outdoor skateparks, outdoor gym equipment

Outdoor playgrounds, outdoor skateparks, outdoor gym equipment: •

Open 80% of 16+ with a single dose Subject to Public Health consideration of epidemiology at the time

No change

Fully 50 c Out for t min Cha

Swimmi rooms a (indoor •

Closed, exceptions for hydrotherapy 80% of 16+medical with a single for essential care. dose

Fully with Indo Unk cap of 2

Physica •

•

•

Weddin

Fully 50 c Cha Indo clos for e Vac exc care

No cha

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of % of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

ngs:

Weddings:

y vaccinated: Outdoor cap of 50 h DQ4 OR oor cap of 20 with DQ4 OR, known vaccination status: indoor p of 10 with DQ4 OR outdoor cap 20 DQ4

•

al recreation & community sport:

Physical recreation & community sport:

y vaccinated: Outdoor only, DQ4, cap tdoor community sport open training only (no competition); nimum number required ange rooms closed

•

ing pools, spas, saunas, steam and springs r and outdoor):

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor):

y vaccinated: Outdoor only, DQ4, cap ange rooms closed oor pools, saunas, steam rooms sed, exceptions for hydrotherapy essential medical care. ccination status unknown: ceptions for essential medical e

•

ange

Outdoor playgrounds, outdoor skateparks, outdoor gym equipment:

•

•

•

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Unknown vaccination status: 30 people per wedding (and marrying couple plus those necessary to conduct wedding), DQ4

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Community sport permitted indoors and outdoors, regardless of vaccination status, with minimum number required, for spectators public gathering limits apply

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Open

November | FIND KNOX

87

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Community Facilities

70%

Returning Students to the Classroom

Subject to Public Health consideration of epidemiology at the time

Fr Subject to Public Health consideration Subject t of epidemiology at the time e

Community Facilities:

No change

Commu •

•

Closed, unless hosting an essential public support service 80% of 16+ with a single dose • Permitted for groups of 10 for essential support.

Subject to Public Health consideration • Permitted to remain open for ‘click of epidemiology at the time and collect’ purposes to facilitate loaning, and returning books, toys, and other items from these facilities

•

Fully 50 c Perm esse doe

Events

80% of 16+ with a single dose Subject to Public Health consideration of epidemiology at the time

Entertainment and Leisure When an entertainment or leisure facility hosts an activity which fulfils the definition of a public event, the Restricted Activity Directions allow for organisers to apply for their activity to be considered under the Public Events Framework (PEF)

Entertainment venues: • •

Closed Up to five people can attend an entertainment venue to broadcast a performance/event.

No change

Entertai •

Animal •

80% of 16+ with a single dose Subject to Public Health consideration of epidemiology at the time

Fully 50

Fully indo

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of % of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

unity Facilities:

Community Facilities:

y vaccinated: Outdoor only, DQ4, cap mitted for groups of 10 for ential support (vaccinated status es not apply).

•

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Events: business, community sporting participation , music festivals • •

inment venues:

y vaccinated: Outdoor only, DQ4, facilities (zoos):

y vaccinated: 25%capacity, oor spaces closed

to 5,000 patrons, subject to any restrictions related to the venue.

Larger events can apply for exemption through Public Events Framework.

Major Events •

•

Events may proceed with no attendee caps or density limits for the fully vaccinated subject to COVIDSafe measures.

State Significant Venues hosting major events will need to submit a one-off venue COVIDSafe Plans. Capacity limits may apply depending on level of vaccination at the event.

Non-seated indoor entertainment venues: •

Fully vaccinated: Indoors DQ4.

Seated indoor entertainment •

Fully vaccinated: 75%capacity, OR DQ4, up to 1000

Outdoor seated entertainment: •

Fully vaccinated: DQ2 up to 5000 per venue. Indoor spaces DQ4.

Outdoor non-seated entertainment (for example animal facilities): •

Fully vaccinated: DQ2 up to 5000, indoor spaces DQ4 .

Significant venues to be considered for larger fully vaccinated crowds.

November | FIND KNOX

89

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Entertainment and Leisure When an entertainment or leisure facility hosts an activity which fulfils the definition of a public event, the Restricted Activity Directions allow for organisers to apply for their activity to be considered under the Public Events Framework (PEF)

Subject to Public Health consideration of epidemiology at the time

Fr Subject to Public Health consideration Subject t of epidemiology at the time e

Arcades, rooms, bingodose centres: 80% escape of 16+ with a single

No change

No cha

No change

Drive-in

• Subject Closed to Public Health consideration of epidemiology at the time Drive-in cinemas: 80% of 16+ with a single dose •

Closed Subject to Public Health consideration of epidemiology at the time

Amusement parks: 80% of 16+ with a single dose •

•

Amusem •

Fully 50 c

No change

No cha

No change

No cha

Closed Subject to Public Health consideration of epidemiology at the time

Electronic gaming: 80% of 16+ with a single dose •

No change

Ope unle toile

Closed Subject to Public Health consideration of epidemiology at the time

Retail betting venue: 80% of 16+ with a single dose •

•

Closed Subject to Public Health consideration of epidemiology at the time

Casino: 80% of 16+ with a single dose

Entertainment and Leisure (cont)

70%

Returning Students to the Classroom

•

Unl

No change

No cha

No change

No cha

No change

No cha

Closed Subject to Public Health consideration of epidemiology at the time

Sex on premises, brothels and sexually 80% of 16+ with a single dose explicit venues: to Public Health consideration • Subject Closed of epidemiology at the time Karaoke and Nightclubs: •

Closed 80% of 16+ with a single dose Subject to Public Health consideration of epidemiology at the time

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of % of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

ange

Arcades, escape rooms, bingo centres: •

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

n cinemas:

Drive-in cinemas:

en patrons must remain in cars ess accessing takeaway food or ets

•

ment parks:

Amusement parks:

y vaccinated: Outdoor only, DQ4, cap

•

ange

ange

less operating in “trucks” outdoors

ange

ange

ange

Open, hospitality limits apply

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap per space

Casino: •

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap per space

Retail betting venue: •

Open with DQ4

Electronic gaming: • •

Remain seated Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Sex on premises, brothels and sexually explicit venues: •

Fully vaccinated: Indoors DQ4

Karaoke and Nightclubs: • • • •

In line with food and drink facility limits Seated service only indoors Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Dance floors permitted outdoors

November | FIND KNOX

91

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

General retail

Subject to Public Health consideration of epidemiology at the time

Essential retail:

70

Returning Students to the Classroom

F Subject to Public Health consideration Subject t of epidemiology at the time e No change

• Open, DQ 1 person per 4sqm Other/general retail: • Closed (contactless click and collect/ 80% ofonly).

16+ with a single dose delivery Auction houses: Subject to Public Health consideration Closed (open for online only) of epidemiology at the time

Essentia •

Ope

Other/g •

Ope (plu deli

Auction • Hairdressing, beauty, personal care

Hospitality

Hairdressing, beauty, care: 80% of 16+ withpersonal a single dose

No change

• Subject Closedto Public Health consideration of epidemiology at the time Food and drink facility •

Hairdre •

No change

Fully pat

Food an • • • • •

Open for take-away only, masks cannot be16+ removed consume 80% of with ato single dosefood and drinks in shopping centres.

Subject to Public Health consideration of epidemiology at the time

Clo

Sea Fully Out Indo Unk sett take

Food courts: 80% of 16+ with a single dose • Closed to Public Healthcannot consideration • Subject Takeaway only, mask be of epidemiology at the time removed indoors to consume food or drink

No change

No cha

Accommodation:

No change

Accom

•

Closed, unless for permitted reasons, or shelter in place.

16+ withexcept a single • No80% newof bookings for dose authorised reasons. to Public Health consideration • Subject An authorised worker of epidemiology at the time is allowed to book accommodation if they are required to travel for their work irrespective of them being a Victorian resident or not

•

Hou peo per gat

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 0% of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar From 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

al retail:

All retail:

en, DQ 4

•

Fully vaccinated: Indoors DQ4

general retail:

en for outdoor service only us contactless click and collect/ ivery).

n houses:

osed (open for online only).

essing, beauty, personal care:

Hairdressing, beauty, personal care:

ly vaccinated: Indoors DQ4 and 5 tron cap

•

nd drink facility

Food and drink facility

Fully vaccinated: Indoors DQ4

ated service only ly vaccinated customers and staff: tdoor cap of 50 with DQ4 v oor cap of 20 with DQ4 known vaccination status: existing tings continue to apply, open for e away only.

• •

ange

Food courts: v

mmodation

usehold and up to 10 additional ople (dependents included) rmitted (in line with private thering) v

• •

• •

Seated service only indoors Small venues: up to 25 people if fully vaccinated before DQ applies Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Dance floors permitted outdoors

Open at DQ4 Mask can be removed to consume food and drink

Accommodation • •

Open, in line with private gathering limits Vaccination strongly recommended

November | FIND KNOX

93

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Real Estate Services

Subject to Public Health consideration of epidemiology at the time

Real Estate Services (inspections and auctions): •

Fr Subject to Public Health consideration Subject t of epidemiology at the time e No change

•

•

No change

Closed

Care Facilities Visitors

•

• • • • • • • • •

•

Fully 50 c

Tour tra

Closed Subject to Public Health consideration of epidemiology at the time

Two visitors at a time up to two per day, except for end of life or life threatening conditions (2 visitors at a time with no total limit per day).

Visits must be for a purpose which includes: To provide care and support for the resident’s physical and emotional wellbeing For residents under 18 years of age As a nominated person under the Mental Health Act a single dose 80% of 16+ with To provide interpreter or informal language support Subject to Public Health consideration To support the resident’s care upon of epidemiology at the time discharge Do not have to be from the same household.

No time limits.

A group may exceed the “two visitors at a time” rule if dependents of a visitor (or patient in hospital) are in the group and care for the dependents cannot be arranged.

Prospective residents not permitted as

Fully 50 c

Tours (e tours): •

Tour transport (e.g. tour buses) 80% of 16+ with a single dose •

Insp insp age new

Auction

vacated property (with agent outdoors) for end of lease or new purchase

Tours (e.g. walking tours, cycling tours):

Real es •

Auctions: Closed (remote auction only with the agent working remotely).

80% of 16+ with a single dose

Real estate: Subject to Public Health consideration of epidemiology the time • Single household canatinspect

Tours and tour transport

70%

Returning Students to the Classroom

•

No change

Clo

No cha

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of % of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

state:

Real estate:

pections: Single household can pect vacated property (with ent outdoors) for end of lease or w purchase

• •

ns:

Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Unknown vaccination: inspection by private appointment, single household only

y vaccinated: Outdoor only, DQ4, cap

e.g. walking tours, cycling

Tours (e.g. walking tours, cycling tours):

y vaccinated: Outdoor only, DQ4, cap

• •

ansport (e.g. tour buses):

osed

ange

Open Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Tour transport (e.g. tour buses): • •

Open Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Visitor restrictions: •

Up to 5 visitors per resident per day (dependants included), strongly recommend that all residents and visitors are fully vaccinated.

November | FIND KNOX

95

COVID Update

Metro Melbourn

80% of 16+ with a single dose

Category

Subject to Public Health consideration of epidemiology at the time

Returning Students to the Classroom

70

Fr Subject to Public Health consideration Subject t of epidemiology at the time e

Care Facilities Visitors

•

Inpatients in acute hospitals awaiting discharge to residential aged care facilities (RACFs) (noting this may need to be a nominated family member in some scenarios, not the inpatient) • Residents care facilities that are 80% of of 16+ with a single dose due to close and require support to find alternative accommodation Subject to Public Health consideration prioroftoepidemiology the closure of at their thecurrent time accommodation • Non-essential contractors (such as hairdressers) are not permitted to enter.

No change

No cha

Hospital Visitors

•

No change

No cha

• • • • • • • • • • • •

•

Two visitors at a time up to two per day, except for end of life or lifethreatening conditions (2 visitors at a time with no total limit per day).

Visits must be for a purpose which includes: As a parent, guardian or carer of a child who is a patient in hospital To provide support that is necessary for the patient’s emotional or physical wellbeing.

As a nominated person under the Mental Health Act To providing interpreter or informal language support For leaning to support the resident’s care upon discharge of 16+ a single As 80% a carer of awith patient with adose disability Accompanying someone to the Subject to Public Health consideration emergency department or outpatient of epidemiology at the time clinic As a partner of a pregnant woman or patient in a maternity ward Do not have to be from the same household.

No time limits.

A group may exceed the “two visitors at a time” rule if dependents of a visitor (or patient in hospital) are in the group and care for the dependents cannot be arranged.

Non-essential contractors (such as hairdressers) are not permitted to enter.

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 0% of 16+ fully vaccinated 90% of 12+ fully vaccinated 12+ fully vaccinated expected to be reached on a similar rom 11.59pm 21 October Indicative date 24 November timeframe) Subject to Public Health consideration of to Public Health consideration of From 6pm 29 October epidemiology at the time epidemiology at the time Subject to Public Health consideration of epidemiology at the time

ange

ange

Visitor restrictions: •

No change

November | FIND KNOX

97

COVID Update

Metro Melbourn

Victoria’s Roadmap: Deliver Summary of proposed restriction levels - How we work

Note 1: The settings below are indicative only and subject to change. All changes to the Chief Health Officer’s Directions are based on public health advice (includin

the specific risks to public health and changes/measures proposed. All directions must be reasonably necessary to protect public health and the Chief Health Office

Note 2: Cleaning, signage, record keeping, and other COVIDSafe requirements for work premises continue to apply for all venues and facilities with onsite operations to the public.

Note 3: All proposed easings from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination sta Note 4: APAW List will be dissolved at 70% 16+ fully vaccinated

Note 5: All proposed easing from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination stat

National Plan: Phase A Category

Travel

Education and Childcare

National Plan: Phase B

Returning Students to the Classroom

70% of 16+ fully vaccinated

Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Entertainment venues: • Closed • Up to five people can attend an entertainment venue to broadcast a performance.

Entertainment venues: • Fully vaccinated: Outdoor only, DQ4, 50

Work: • Only workers on the Authorised Provider and Authorised Worker (APAW) List may leave home to work.

Work: • Must work from home

Early childhood education and care: • Open to vulnerable and children of single parents and APAW workers.

• Only one parent or guardian (if two parent / guardian family) is required to be on the APAW List, either working away from home or working at home but no alternative supervision.

Early childhood education and care: • Open to children already a (Vulnerable children and children o parents and APAW workers list in place 21/10) • Open for children with fully vaccinated p

Animal facilities (zoos): • Fully vaccinated: 25% capacity, indoor closed

ne

NOVEMBER 2021

ring the National Plan

ng epidemiological evidence) and legal advice (including as to compatibility with the Charter for Human Rights and Responsibilities) at the relevant time, in light of

er (or delegate) must act in a way that is compatible with the Charter for Human Rights and Responsibilities.

s as per Workplace Directions and Workplace (Additional Industry Obligations) Directions. Density quotients (DQ) apply to all venues and spaces that are accessible

atus of patrons and employees, respectively.

tus of patrons and employees, respectively.

National Plan: Phase C 80% of 16+ fully vaccinated (includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

gy at the time

0 cap spaces

attending of single e prior to

From 6pm 29 October Subject to Public Health consideration of epidemiology at the time

Intrastate travel: • Allowed Intrastate Borders: • Red Zone – to test on arrival and isolate until negative result for fully vaccinated • Orange zone - no further obligations for fully vaccinated International Travel: • From 1 Nov, fully vaccinated arrivals, no quarantine, test within 24 hours

National Plan: Phase D 90% of 12+ fully vaccinated ndicative date 24 November_Subject to Public Health consideration of epidemiology at the time

No capacity limits No density limits No Gatherings limits Masks in high-risk indoor settings such as public transport, justice facilities, correctional facilities, hospitals and aged care.

All vaccination requirements remain including for non-essential retail.

Minimise cases in the community without ongoing restrictions or lockdowns.

Work: • Work from home if you can; OR • Go to work if you are fully vaccinated • DQ2 for areas non-accessible to public • Masks must be worn indoors in workplaces.

Early childhood education and care: • Open

parent(s)

November | FIND KNOX

99

COVID Update Category

Education and Childcare

Places of worship

Physical recreation & sport (Includes indoor playcentres, indoor skateparks and indoor trampoline centres)

Swimming pools, hydrotherapy pools, spas, saunas, steam rooms, springs

Metro Melbourn

Returning Students to the Classroom

70% of 16+ fully vaccinated

Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Schools: • In addition to children of Authorised Workers and vulnerable children • On 5 October, GAT students • From 6 October, on-site learning for VCE Unit 3/4, final year VCAL and IB students • From 18 October, on-site learning for: • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • Out of school hours care operating all days • On-site learning must have safety measures in place

Schools: • Vulnerable children • VCE Unit 3/4, final year VCAL and IB stud • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • From 22 October, on-site learning for: • Years 3 & 4 (Tuesday – Wednesday) • Years 5 & 6 (Thursday-Friday) • Year 7 (full-time, five days) • Years 8 & 9 (Tuesday – Wednesday) • Years 10 (Thursday-Friday) • Years 11 (full-time, five days) • Out of school hours care operating all d • On-site learning must have safety measu place

Adult education: • Closed, remote learning only.

• Final exams to proceed enabled by APAW List.

Adult education: • Must learn from home, on-site learning fo on, skills-based learning • Final exams to proceed enabled by APA prior to 21 October.

Religion: • No in-person gatherings permitted. Broadcast permitted (maximum 5 people in attendance).

Religion: • Fully vaccinated: Outdoor cap of 50 wit • Indoor cap of 20 with DQ4 OR, • Unknown vaccination status: indoor cap DQ4 OR outdoor cap of 20 DQ4

Physical recreation & community sport: • Outdoor personal training allowed with up to two people plus the trainer, or if fully vaccinated then up to 5 • Outdoor recreation facilities (golf courses, tennis courts) • Five people allowed to broadcast workout instructions at a gym

Physical recreation & community sport: • Fully vaccinated: Outdoor only 50 cap, • Community sport permitted outdoors on training. Minimum number required • Change rooms closed

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Closed, exceptions for hydrotherapy for essential medical care.

Swimming pools, spas, saunas, steam ro springs (indoor and outdoor): • Fully vaccinated: Outdoor only, DQ4, 50 • Change rooms closed • Indoor pools, saunas, steam rooms clos exceptions for hydrotherapy for essentia care.

ne

gy at the time

dents

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

From 6pm 29 October Subject to Public Health consideration of epidemiology at the time

90% of 12+ fully vaccinated ndicative date 24 November_Subject to Public Health consideration of epidemiology at the time

Schools: • On-site learning for all levels with safety measures in place

days ures in

or hands-

AW List from

th DQ4 OR

p of 10 with

DQ4 nly for

ooms and

0 cap

Adult education: • Learn from home if you can, on-site learning for hands-on, skills-based learning AND, • On-site if you are fully vaccinated (DQ2) • Density limit does not apply to teaching and learning spaces Religion: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap • Unknown vaccination status: 30 cap, DQ4

Physical recreation & community sport: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap • Community sport permitted indoors and outdoors, regardless of vaccination status, with minimum number required, for spectators public gathering limits apply

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

sed, al medical

November | FIND KNOX

101

COVID Update

Metro Melbourn

Returning Students to the Classroom

70% of 16+ fully vaccinated

Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Community Facilities

Community Facilities: • Closed, unless hosting an essential public support service • Permitted for groups of 10 for essential support.

• Permitted to remain open for ‘click and collect’ purposes to facilitate loaning, and returning books, toys, and other items from these facilities

Community Facilities: • Fully vaccinated: Outdoor only, DQ4 50 • Permitted for groups of 10 for essential (vaccinated status does not apply).

Creative Studios

Creative Studios: • Closed

Creative Studios: • Fully vaccinated: Outdoor only, DQ4, 50

Entertainment and

Entertainment venues: • Closed • Up to five people can attend an entertainment venue to broadcast a performance.

Entertainment venues: • Fully vaccinated: Outdoor only, DQ4, 5

Arcades, escape rooms, bingo centres: • Closed

Arcades, escape rooms, bingo centres: • Closed

Drive-in cinemas: • Closed

Drive-in cinemas: • Open patrons must remain in cars unle accessing takeaway food or toilets

Amusement parks: • Closed

Amusement parks: • Fully vaccinated: Outdoor only, DQ4, 50

Casino: • Closed

Casino: • closed

Retail betting venue: • Closed

No change

Category

Leisure

Animal facilities (zoos): • Fully vaccinated: 25% capacity, indoor closed

ne

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

gy at the time

0 cap support

0 cap

50 cap spaces

ess

0 cap

From 6pm 29 October Subject to Public Health consideration of epidemiology at the time

90% of 12+ fully vaccinated ndicative date 24 November_Subject to Public Health consideration of epidemiology at the time

Community Facilities: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Creative Studios: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap

Non-seated indoor entertainment venues: • Fully vaccinated: Indoors DQ4 Seated indoor entertainment: • Fully vaccinated: 75% capacity, OR DQ4, up to 100 Outdoor non-seated entertainment (for example animal facilities): • Fully vaccinated: DQ2 up to 5000, Significant venues to be considered for larger fully vaccinated crowds.

Arcades, escape rooms, bingo centres: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Drive-in cinemas: • Open, hospitality limits apply

Amusement parks: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap per space Casino: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap per space Retail betting venue: • Open with DQ4

November | FIND KNOX

103

COVID Update Category

Entertainment and

Metro Melbourn

Returning Students to the Classroom

70% of 16+ fully vaccinated

Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Electronic gaming: • Closed

No change

Sex on premises, brothels and sexually explicit venues: • Closed

No change

Karaoke and Nightclubs: • Closed

No change

General retail

Essential retail: • Open, DQ 1 person per 4sqm Other/general retail: • Closed (contactless click and collect/delivery only).

Auction houses: • Closed (open for online only).

Essential retail: • Open, DQ 4 Other/general retail: • Open for outdoor service only (plus con click and collect/delivery).

Auction houses: • Closed (open for online only).

Hairdressing, beauty,

Hairdressing, beauty, personal care: • Closed

Hairdressing, beauty, personal care: • Fully vaccinated: indoors DQ4 and 5 pa

Food and drink facility • Open for take-away only, masks cannot be removed to consume food and drinks in shopping centres.

Food and drink facility • Seated service only • Fully vaccinated customers and staff: • Outdoor cap of 50 with DQ4 • Indoor cap of 20 with DQ4 • Unknown vaccination status: existing se continue to apply, open for take away

Food courts: • Closed • Takeaway only, mask cannot be removed indoors to consume food or drink

• No Change

Accommodation: • Closed, unless for permitted reasons, or shelter in place.

• No new bookings except for authorised reasons.

• An authorised worker is allowed to book accommodation if they are required to travel for their work irrespective of them being a Victorian resident or not

Accommodation: • Household and up to 10 additional peo (dependents included) permitted (in lin private gathering)

Leisure (cont)

personal care

Hospitality

ne

gy at the time

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

From 6pm 29 October Subject to Public Health consideration of epidemiology at the time

90% of 12+ fully vaccinated ndicative date 24 November_Subject to Public Health consideration of epidemiology at the time

Electronic gaming: • Remain seated • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Sex on premises, brothels and sexually explicit venues: • Fully vaccinated: Indoors DQ4 Karaoke and Nightclubs: • In line with food and drink facility limits • Seated service only indoors • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap • Dance floors permitted outdoors All Retail: • Open, DQ 4

ntactless

atron cap

Hairdressing, beauty, personal care: • Fully vaccinated: Indoors DQ4

ettings only.

Food and drink facility • Seated service only indoors • Small venues: up to 25 people if fully vaccinated before DQ applies • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap • Dance floors permitted outdoors

ople ne with

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Food courts: • Open at DQ4 • Mask can be removed to consume food and drink

Accommodation: • Open, in line with private gathering limits • Vaccination strongly recommended

November | FIND KNOX

105

COVID Update Category

Real Estate Services

Metro Melbourn

Returning Students to the Classroom

70% of 16+ fully vaccinated

Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Real estate: • Single household can inspect vacated property (with agent outdoors) for end of lease or new purchase

Real estate: • Inspections: Single household can insp vacated property (with agent outdoors of lease or new purchase • Commercial: single business permitted vacated premises (with agent outdoor) lease or new purchase • Marketing and staging services permitt

Auction: • Fully vaccinated: Outdoor only, DQ4, 50

Tours and tour

Tours (e.g. walking tours, cycling tours): • Closed Tour transport (e.g. tour buses) • Closed

Tours (e.g. walking tours, cycling tours): • Fully vaccinated: Outdoor only, DQ4, 5 Tour transport (e.g. tour buses) • Closed

Visitor restrictions • No change

No change

Hospital Visitors

Visitor restrictions • No change

No change

Veterinary and pet

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

• High risk industries to retain controls

transport

Care Facilities Visitors

care services

Repairs, maintenance and cleaning Construction

Refer to Construction Industry Roadmap

Waste Services

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Wholesale trade &

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

warehousing

ne

gy at the time

pect s) for end

d to inspect ) for end of

NOVEMBER 2021

80% of 16+ fully vaccinated (includes additional easing for 80% of 12+ fully vaccinated expected to be reached on a similar timeframe)

From 6pm 29 October Subject to Public Health consideration of epidemiology at the time

90% of 12+ fully vaccinated ndicative date 24 November_Subject to Public Health consideration of epidemiology at the time

Real estate: • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap • Unknown vaccination: inspection by private appointment, single household only

ted

0 cap

: 50 cap

Tours (e.g. walking tours, cycling tours): • Open • Fully vaccinated: Indoors DQ4, outdoors DQ2 and 500 cap Tour transport (e.g. tour buses) • Open • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Visitor restrictions • Up to 5 visitors per resident per day (dependants included), strongly recommend that all residents and visitors are fully vaccinated.

No change

• Open with COVIDSa.fe settings and additional obligations • Workers may move between sites.

• No site limits for specialist contractors

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

November | FIND KNOX

107

COVID Update

Metro Melbourn

Returning Students to the Classroom

70% of 16+ fully vaccinated

Category

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Supermarket and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Agriculture

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Postal distribution

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Ports and freight

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Meat and seafood

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

food distribution

processing Manufacturing

No change – APAW list and restrictions remain in place

Professional sport

No change – APAW list and restrictions remain in place

and racing

• Open with COVIDSafe settings and add obligations • DQ 4

• Open with COVIDSafe settings and add obligations • DQ 4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Courts

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 2

Commercial

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations

Public transport

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings

Emergency and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Arts and recreation services Media and film production

passenger vehicles

safety service Defence and national security Healthcare and social assistance Mining Utilities

• Open with COVIDSafe settings and add obligations • DQ 4

ne

gy at the time

ditional

ditional

ditional

NOVEMBER 2021

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

ditional

ditional

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

• Open with COVIDSafe settings • DQ2

ditional

• Open with COVIDSafe settings • DQ2

ditional

• Open with COVIDSafe settings • DQ4 • Jury trials DQ2

ditional

• Open with COVIDSafe settings and additional obligations

ditional

ditional

ditional

ditional

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

• Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

ditional • Open with COVIDSafe settings • DQ2

November | FIND KNOX

109

www.findknox.com.au

NOVEMBER 2021