Knox The
OCTOBER 2020
WHAT’S INSIDE:
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LOCAL STORIES
06
KNOX COUNCIL ELECTIONS
12
COLUMNIST ARTICLES
30
TAX UPDATES
32
REAL ESTATE - RENTAL LISTINGS
41
KNOX COUNCIL NEWS
58
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EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findknox.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: advertise@findknox.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@findknox.com.au WEBSITE: www.findknox.com.au
OUR NEWSPAPER The Find Knox was establish in 2019 for the purpose of bringing together everyone in the community in one place. Our core focus is the support all the Not-For-Profits in the region by providing NFP’s with FREE advertise and helping them raise funds for their respective organizations. A core of business owners attend the Find Network luncheons held one a month to discuss the paper and how best to make it even better fo the local commnunity. The Find Knox has a strong editorial focus and is financed predominately by the business community.
ALL THINGS KNOX
The City of Knox is a local government area in Victoria, Australia in the eastern suburbs of Melbourne. Knox had a population of approximately 136,230 as at the 2019 Report which includes 13,072 business and close to 59,000 households. The City of Knox was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.
ACKNOWLEDGEMENT The Find Knox acknowledge the Traditional Owners of the lands where Knox now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.
DISCLAIMER Readers are advised that the Find Knox accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.
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FEDERAL BUDGET 2020: ECONOMIC RECOVERY PLAN FOR AUSTRALIA By Warren Strybosch
As predicted, spending to stimulate the Australian economy was the focus of this year’s Federal Budget. The JobMaker Plan is the Government’s $74 billion response to support a stronger economic recovery and bring more Australians back to work. Tax cuts for individuals and business is also a major element of the recovery plan. Below we provide a ‘quick look’ at the announcements relating to superannuation, tax, small business, social security and job incentives. Please remember the measures outlined below are proposals only and are subject to change until legislated.
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Stage 2 of the Government’s Personal Income Tax Plan will be brought forward by two years from 1 July 2022 to 1 July 2020 meaning: The top threshold of the 19% bracket will increase from $37,000 to $45,000. The low income tax offset (LITO) will increase from $445 to $700 with more favourable reduction rates. The top threshold of the 32.5% bracket will increase from $90,000 to $120,000. The low and middle income tax offset will be retained for the 2020-21 year providing a reduction in tax of up to $1,080. Whilst practically the measures are backdated to 1 July 2020, the effect will be that PAYG tax for the remainder of the financial year will be reduced to account for tax already paid.
Businesses with annual turnover less than $5 billion will be able to deduct the full cost of eligible capital assets acquired from 6 October 2020. For small and medium sized businesses (annual turnover < $50 million), full expensing will also apply to second-hand assets. Businesses that hold assets eligible for the enhanced $150,000 instant asset write-off will have an extra six months to first use or install those assets. Eligible companies (with aggregated turnover of less than $5 billion) will be allowed to carry back tax losses from the 2019-20, 2020-21 or 2021-22 income years. This may generate a refundable tax offset in the year the loss is made whereas usually tax losses can only be applied against future earnings.
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Miscellaneous Measures •
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Two additional $250 lump sum payments will be available to eligible social security, veteran and other income support recipients and eligible concession card holders with the first payment available in November 2020 and the second in March 2021. The payments will be received tax free and will not impact existing income support payments. An additional 23,000 home care packages across all package levels will be made available over the next four years.
Superannuation
Notably there was no mention of: a third round of COVID-19 early release payments delaying the already legislated increase to Super Guarantee Contributions extending the 50% temporary reduction in minimum payments for retirement income streams beyond 2020-21. The Government will provide $159.6 million over four years to implement reforms to superannuation to improve outcomes for superannuation fund members.
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JobMaker Hiring Credit will be available from 7 October 2020 for each additional new job created for an eligible employee. Employers will receive $200 per week if they hire an eligible employee aged 16 to 29 years or $100 per week for those aged 30 to 35 years. The First Home Loan Deposit Scheme will be expanded to help an extra 10,000 people with property value thresholds for eligibility also increasing. The Government is investing an additional $1.2 billion through the Boosting Apprenticeships Wage Subsidy to support up to 100,000 new apprentices and trainees as well as delivering 50,000 higher education short courses.
If you would like to discuss how any of these budget measures may affect your situation, please contact us.
Business Stimulus
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FIND KNOX | OCTOBER 2020
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Another 10,000 Places for First Home Buyers By Warren Strybosch
Under the First Home Loan Deposit New Home Guarantee Scheme (FHLDS), a further 10,000 places have been which will help first home buyers enter the property market. One of the measures announced by Treasurer Josh Frydenberg, as part of the 2020-2021 Budget, was the commitment to make available an additional 10,000 places under the popular First Home Loan Deposit Scheme (FHLDS). This now doubles the total amount of places originally made available this financial year from 10,000 spots to 20,000 spots. Let’s hope these measures continue so that other first home buyers can gain access to this scheme. To access this scheme, first home buyers will be means tested and need to have demonstrated a level of savings (refer below). What the FHLDS New Home Guarantee entails The National Housing Finance and Investment Corporation (NHFIC) has now released further details of the additional spots. The additional scheme allocations are available to first home buyers that are Australian citizens, 18 years and over, and wish to build a new dwelling or purchase a newly built dwelling with a deposit of between 5 and 20 per cent of the property’s value. It is not available for those wishing to purchase an investment property. • •
According to the NHFIC, eligible properties include: newly constructed dwellings (e.g. whether a freestanding house, townhouse or apartment)
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off-the-plan dwellings (e.g. whether a freestanding house, townhouse or apartment) house and land packages land and a separate contract to build a new home.
The FHLDS NHG is only available to first home buyers who have a taxable income of up to $125,000 per annum for the previous financial year (if applying as a single applicant) or a combined taxable income of up to $200,000 per annum (if applying as a couple). A revised set of property price caps also apply for eligible properties under the NHG. They are as follows: Region
NHG Property Price Cap
NSW - Capital City and Regional Centre
$950,000
NSW - Other
$600,000
Vic - Capital City and Regional Centre
$850,000
Vic - Other
$550,000
Qld - Capital City and Regional Centre
$650,000
Qld - Other
$500,000
WA - Capital City
$550,000
WA - Other
$400,000
SA - Capital City
$550,000
SA - Other
$400,000
Tas - Capital City
$450,000
Tas - Other
$400,000
ACT
$600,000
Northern Territory
$550,000
Jervis Bay Territory & Norfolk Island
$600,000
Christmas Island & Cocos (Keeling Island)
$400,000
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OCTOBER 2020 | FIND KNOX
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Can You Contribute Into Super if not Jobkeeper and over age 67? By Warren Strybosch
The prudential regulator has provided guidance on whether individuals aged 67 to 74 who have been stood down from their employment but are receiving JobKeeper are able to make personal contributions. APRA, in an update to its FAQ page for COVID-19, has confirmed that RSE licensees will be able to accept personal contributions, under the work test rules, from an individual who is aged 67 to 74 where the individual had been stood
down from their employment due to the impacts of the COVID-19 pandemic but is in receipt of the JobKeeper payment. APRA stated that where an employer is receiving the JobKeeper wage subsidy for an individual, RSE licensees should consider the individual to be “gainfully employed” for the purpose of the “work test”, even if that individual has been fully stood down and is not actually performing work.
“In APRA’s view, it is appropriate for an RSE licensee to take this approach because the individual is still employed and is obtaining a valuable benefit from his [or] her employer,” the prudential regulator explained. In APRA’s view, the Jobkeeper subsidy satisfies the ‘work test’ for the purpose of voluntary superannuation contributions.
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Special Feature: Your 2020 Candidates Revealed Who Should you vote for to represent our Shire? This will help you to determine who would you like to represent our shire. Please see the following pages for their short Bio. We have also prepared some questions that the candidates have answered succinctly. 1. Have you been a councillor before? If so, how long for? 2. Why do you wish to be a councillor? 3. What occupations hvae you had in the past? 4. Which Ward are you running for? 5. What do you see are the main issues facing your particular ward and Maroondah as a whole? 6. In your next four years as a councillor, if you get in, what will you do to make a difference?
DINSDALE WARD I am Rosemary Lavin, proud resident of Knox sharing my home with my 92 year young mum, son and three rescue animals. My garden is a sanctuary for wildlife, and part of the Gardens for Wildlife program run by Knox Council. This is my first candidacy for council elections as I hope to represent forgotten voices in local government. I have a background in teaching and now work as a Technical Training Officer for an energy distribution company. I am running in Dinsdale Ward where I see a need to preserve, restore or enhance remaining ecosystems. I intend to improve the Domestic Animal Management Plan (DAMP) and bring pandemic proof, sustainable ideas for job creation. If elected I aim to:
ROSEMARY LAWIN
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protect ecosystems
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improve the DAMP
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adopt the Uluru Statement of the Heart
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insentivise local businesses to transition to clean energy
Robert Williams is a true passionate Knox local. Serving the community. As a small business owner, for over 20 years, a Volunteer Firefighter at the Bayswater Fire Brigade (2nd Lieutenant) and a family man, Robert wants to ensure we have great facilities and a safe Knox for all to enjoy. Robert is all about being transparent and accountable. After all, that is what we expect to see of our Councillors.
ROBERT WILLIAMS
Robert proposes to run quarterly meetings with residents, to listen, hear and action their concerns and ensure that the residents are represented on Council. Robert’s focus is to deliver on his promises. He has a long-proven track record of local involvement, a commitment to hard work and determination to deliver practical results. Robert is committed to freeze council rates, keep Knox safe, support Local Small Businesses by cutting the red-tape,
improve local sporting facilities – including facilities to make them inclusive for all to enjoy, prioritise places for parents and families (and related services), provide more efficient rubbish and recycling (including Hard Rubbish collections), build the Bayswater Library and bring appropriate development and planning decisions to Council. A Vote for Robert WILLIAMS is a vote for the right direction and a vote for a true Knox local, someone who cares, listens and is local.
TAYLOR WARD
DAVID MASSEY
www.findmaroondah.com.au
I have lived in the City of Knox for over 30 years, we raised our family of three children in Scoresby, and have since moved to Rowville. I am aware of the transport needs, other Council services, and how Council decisions can impact people.
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I want Knox to continue being a desirable place to live, and transport improved.
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My work experience has included public transport, Parks & Gardens and Botanical Gardens.
I enjoy representing people and taking an active interest in community events. With family experience I was on the Council Active Ageing Committee. Recently I took up playing badminton and have always enjoyed gardening.
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I am standing in Taylor Ward
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Transport, Truck traffic, The Lysterfield Quarries, and our natural environment are all important issues in Taylor Ward.
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I have not nominated Councillor before.
to
I believe ‘One moment can change a day. One day can change a life’. Formerly I lived in Bayswater and was previously a committee member of the Bayswater Revitalization Group. This committee was established to assist the economic growth and community involvement in Bayswater. Examples of outcomes of this committee was the Bayswater Public Library, Bayswater Train line going underground and support for the shopping precinct , local businesses and residents.
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Written and authorised by D. Massey, 40 Illawarra Avenue Rowville.I
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Footpaths and bike paths in this area need to be fixed. For example: Wellington Road and Stud Road in various sections need to either be further developed or fixed so it is safely accessible. Street lights in areas of Rowville need to be improved. Residents near the quarry need Council to assist them with resolving issues of concern. Improvement of land care of our natural environment and its biodiversity system. During the warmer months outdoor recreational programs available to local residents such as exercise classes, locally based land care group, friendship groups. Community Gardens established throughout Rowville.
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These days I live as a local resident of Rowville with my family.
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Taylor Ward, Rowville.
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Job Creation and Growth is essential. Businesses both small and large are given support. Youth need accessible mentor programs. Vocational Centre should be established to provide opportunity for primary and secondary students to explore careers and pathways. Youth Mentor programs are needed and made accessible to all young people in our region. Children Services needs to be improved especially for children not attending Childcare or Kindergarten.
No I have never been councillor As your Taylor Ward Councillor I would like to create positives changes and make a difference.
Key Areas of interest • No wasteful spending by Council. But rather greater accountability to the ratepayer. • Support Knox businesses with a recovery plan which should include that Victoria become Australia’s lowest-taxing state as part of an investment strategy to recover from this pandemic. • During this time our rates should not have increased.
I have immigrated from South Africa over 14 years ago with my family and have spent most of my time studying, volunteering and working with the most vulnerable. I’ve enjoyed travelling, cycle touring and learning about cultures around the world, and have a deep appreciation for nature and animals. I am guided by the Animal Justice Party values; rationality, non-violence, compassion and equality and by my own; integrity, honesty and drive. As a standout candidate and a returning resident of Knox, I will bring an openness and fresh perspective and thus drive progress, change and improvement in our community. 1.
This is will be my first elction.
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I have always served the community, through volunteer work or as career. I have been informed by members of the ward that I am standing in that changes is needed and that issues are not being addressed appropriately. I wish to make positive and sustainable change in our community, and am skilled at driving change and problem solving.
ROCHELLE VAN HERDEEN
If elected I will represent resident’s concerns when able to push for wildfire corridors, afe cycling routes, continued support for sporting clubs and small business. Aged Care Services should be user friendly and offer support for those in need.
be
Dear Taylor Ward Resident,
ANNA PORRITT
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I have previously worked in child protection, disability and, the employment and fitness sector. I also have an educated background in psychology, health sciences and project management.
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I am running for Taylor Ward.
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I have been informed of issues relating to leadership and communication, community safety and racism, road and traffic concerns, development projects (e.g. the quarry), community well-being and mental health, aged care, job losses and stress on local businesses, council budget and spending, challenges that our children and youth are facing, animal management, biodiversity environmental and wildlife concerns. At tiles like today, existing social and health issues amplified by the pandemic and restrictions. People are concerned acout the future and over all security, sustainability, safety and well-being, of which includes humans, animals and environment.
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Seniors or older person are a valuable resource to the younger generation. Develop interconnect programs to develop this relationship with positive opportunities. Mental Heath Positive Programs which include counselling, art, creative movement, animal therapy. Mathematics Centre established. This would give its history as well as opportunity to explore its future. Community Safety programs need to be encouraged. Greater consultation process with residents concerning housing development. Food scrap bin program to be developed. That is a bin for only food waste. This waste is collected and would be recycled by Council .Then made available as compost to residents and others. Improved roads and infrastructure. Given the complaints about road congestion an improved public transport system such as Rowville train line would assist in reducing this problem. Argue rates are kept low as possible whilst improving Council’s accountability concerning the budget. Consult regularly with residents. Advocate Rowville and the region of Knox become the best liveable area of Victoria with improved public transport, housing, healthcare, education, and greater care of its citizens. Lobby all levels of Governments and businesses to invest in Knox as the place to create long term stable job growth.
I aim to thoroughly research issues at hand by speaking with the community, related academics and professionals. I believed in understanding the issues in its entirety in order to make infromed decisions that are then deemed as inappropriate development and, animal and environment mismanagement. I will look at how we can protect our ecosystems, wildlife and plan for sustainable environment, address socail and health corncerns that include, mental health, family violence and the safety of members in our community. I will support services, groups and local business and look at how we can progress public transport, and much more. Authorized by M Wozny of the Animal Justice Party PO Box 3133 Vermont South
TIRHATUAN WARD As a proud conservative, I don’t pretend to be anything but who I am. I don’t play political games; I just want to see honest and decent representation for our community without the empty promises and virtue signalling that politics attracts. For me, integrity, honesty, decency, compassion and transparency are key. To see where I stand and what I stand for, find me on Facebook:
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Rebekah Spelman – Candidate for Tirhatuan 1.
REBEKAH SPELMAN
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I spent 4 years as a councillor in Franskton City Council between 2012 and 2016. In that time I was Deputy Mayor and sat on numerous committees, including as a president of the Association of the Bayside Municipalities. I am horrified at the destructive response to the arrival of COVID by our government, and I want to step up for our community
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to try and recover our businesses and economy, lobbying the State Government needs to hear directly from us to get an understanding of the 6. damage they have caused to real people, because certain State MPs are not listening to the public. I am a copy editor by profession. I currently work as a courier for a global laboratory company because I enjoy the freedom of the open road. I absolutely love my job. Tirhatuan I think the biggest issues facing our entire city and state are the restrictions we have been forced into for 7 long months by our own government. We are losing jobs, businesses and most importantly, lives. We can’t sit back and hope for the best anymore. I believe that Local Government should be a major player
in the response to COVID, and should take action in response to the State Government’s crushing restrictions. My first order of business would be to start community polls and surveys to gain an insight into how COVID restrictions are impacting our community, and request meetings with State members to bring to their attention the real-life impacts their decisions are having on real people. COVID aside, I care about the issues in our local communities. I will be the councillor that listens to, and acts upon, the every day concerns of residents, as well as making the big decisions on our behalf. I care greatly about the preservation of Lake Knox and its wildlife, and I believe we must work hard to ensure that we maintain the abundance of nature that Knox enjoys, whilst managing adequate housing opportunities.
OCTOBER 2020 | FIND KNOX
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www.findmaroondah.com.au
BAIRD WARD I have been a resident of the Bayswater area all my life. Together with my husband, Tim, we have chosen to establish our young family here in Knox because of the great education, recreation and community spirit in the area.
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After completing my Environmental Science degree, I worked in Knox City Council’s Biodiversity team for over 12 years. I loved working alongside Knox’s community groups, local schools and businesses during this time. It gave me valuable insight into how Council operates and supports the community.
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YVONNE ALLRED
I have not been a councillor before but I am asking that residents make the change this year. Change to elect someone new. Someone that will commit to listening and working with you, being honest and reliable, and someone that will work together with you to help shape the future of Knox.
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I want to continue working with the community of Knox, so I have chosen to nominate for this year’s Council elections to be a strong advocate for local living, shopping, learning, playing and exploring. I worked in Knox City Council’s Biodiversity team for over 12 years. I loved working alongside Knox’s community groups, local schools and businesses during this time. It gave me valuable insight into how Council operates and supports the community. The Baird Ward, that incorporates part of Bayswater, Boronia and Ferntree Gully. Council needs to be more efficient, effective and accountable to ratepayers. The community need action concerning many of Knox’s assets both built and natural as they require improved condition monitoring and asset planning to ensure that they are better managed for the benefit of community and local businesses.
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I believe that the community want Knox to protect and enhancing Knox’s public open space and strengthen Knox’s approach to sustainability that includes improving their rubbish and recycling practices. Knox needs to keep our streets safe, clean and green so I will always support our community groups and local businesses who are passionate about caring for and maintaining our environment . Residents want a more stronger, inclusive community that provides opportunities for all ages and abilities. I will advocate for safer local streets and aim to seek opportunities for better access to public transport. If the residents of the Baird Ward support me, they will find a person who will step up and speak for a better City. If elected, I will commit to listening and working with you, being honest and reliable, and someone that will work together with you to help shape the future of Knox.
CHANDLER WARD I’m Jude Dwight, candidate for Chandler in the Knox 2020 Council Elections. My husband and I have a small family business, I’m a lecturer at Swinburne University and a committed volunteer in our community. I am a mum of three, a Knox ratepayer of 16 years and I’m standing for the collective benefit and future of our community, because I care. The main issues facing the residents of Chandler are considerably varied as we move forward from the challenges of 2020. There is enormous financial strain on many, relationships have been stretched or lacking under Covid restrictions, pressures are building and the extremes of a changing climate are hitting closer to home. My vision is to facilitate connection and resilience in this unique part of Knox, that we might grow towards a wellresourced community with thriving hubs, social centres and services alongside safe natural areas to enjoy. To this end I seek transparent and accountable leadership, responsible financial management and real, effective compassion. I am committed to being available and proactive, providing opportunities towards economic security, social cohesion and environmental resilience.
JUDE DWIGHT
I will advocate for sustainable, appropriate development, increased opportunities, access and dignity and I will be a voice for those too young to vote but for whom today’s decisions will impact the most. Authorised by J. Dwight, PO Box 167 The Basin 3154
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Budget Relies on Vaccine by End of 2021 By Matt Coughlan
(Australian Associated Press)
A coronavirus vaccine is expected to be rolled out across Australia by late next year, according to one of the federal budget’s key assumptions. The economic outlook released on Tuesday warns the likelihood of forecasting errors is larger than normal, with further outbreaks or a fast-tracked immunisation program possible. Australia’s economy is predicted to grow 4.75 per cent next financial year after reaching the depths of the pandemictriggered recession. The forecast assumes a population-wide vaccination program would be in place across the country in late 2021. General social distancing restrictions would continue in the meantime. Victorian restrictions are assumed to gradually lift over the remainder of this year as case numbers fall, putting the state on par with others by Christmas. State borders are expected to reopen by the end of the year, with the exception of Western Australia, which Treasury
predicts won’t allow interstate travel until April 2021. A gradual return of international students and permanent migrants is also assumed through next year. The outlook also looks at the impact of finding a vaccine faster or crippling outbreaks. Under the best-case scenario, a vaccine would be rolled out from July next year resulting in a $34 billion economic boost from the main forecast. But Victorian-style outbreaks triggering lockdown in parts of the country could cost the economy $55 billion.
The downside scenario is based on a quarter of the national economy being under severe containment measures between the start of next year and mid2022. Population growth is expected to slow to its lowest in more than 100 years, falling from 1.2 per cent in 2019/20 to 0.2 per cent in 2020/21, then rising to 0.4 per cent in 2021/22. That is mainly attributed to net overseas migration falling to negative 72,000 people this financial year before improving to negative 22,000 the following term.
Make The Change
to a new candidate for the Baird Ward Knox 2020
Y vonn e Al lr e d
A LI T TL E ABOU T ME I have been a resident of the Bayswater area all my life. Together with my husband, Tim, we have chosen to establish our young family here in Knox because of the great education, recreation and community spirit in the area. After completing my Environmental Science degree, I worked in Knox City Council's Biodiversity team for over 12 years. I loved working alongside Knox’s community groups, local schools and businesses during this time. It gave me valuable insight into how Council operates and supports the community. I want to continue working with the community of Knox, so I have chosen to nominate for this year's Council elections to be a strong advocate for local living, shopping, learning, playing and exploring.
I am passionate about protecting and enhancing Knox's public open space and want to strengthen Knox’s approach to sustainability. Knox needs to keep our streets safe, clean and green so I will always support our community groups and local businesses who are passionate about caring for and maintaining our environment . I will strive to create a stronger, inclusive community that provides opportunities for all ages and abilities. I will advocate for safer local streets and aim to seek opportunities for better access to public transport. YvonneAllredBaird hello@yvonneallred.com Endorsed by the Knox Ratepayers Association. Authorised by D. Bonsor, 15 Bungalook Road East, Bayswater North.
0433 793 953
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FIND KNOX | OCTOBER 2020
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Want a Loan? Think twice before asking for an Accountant Letter! By Warren Strybosch
ASIC does not want mortgage broker or lenders trying to circumvent their obligations under Credit Legislation by asking the client to obtain an ‘Accountant Letter’ when it come to getting a loan. Prior to COVID, with the introduction of ‘Responsible Lending’, where the broker and/or lender has a responsibility to make sure the borrower can afford the loan, it had become increasingly difficult for consumers to obtain lending. Since, COVID, this has been made. even more difficult. Of late, there has been an increase in requests by mortgage brokers and lenders asking their clients to obtain an ‘Accountant letter’ which would state that the borrower has the capacity to repay the loan. These repay of capacity certificates’ or ‘accountant letters’ are being used by some lenders as a means of assessing a borrower’s ability to service a loan before actually approving the loan. Such letters, in effect, are involving the accountant in the risk assesment of a potential borrower, and ASIC, as well as the Accounting Assoctiations, are concerned about the pontential liability risk these accountants are taking on; essentially as these letters tranfer the risk from the broker to the accountant.
ASIC, in their past research, found that mortgage broker were regularly approaching accountants to provid capacity to repay certificates on behalf of borrowers, especially in circumstances where finance was being sought for a borrower in mortgage stress. With COVID, there has been a dramatic increase in these requests. ASIC has already warned all accountants and their respective associations that the provision of ‘accountant letter’ and ‘capacity to repay certificates’ is now restricted to holders of an Australian Credit Licence under the National Credit Act. Under this Act, the signing of a capacity to repay certificate or providing other similar declarations by accountants may in fact be a breach of
the National Credit Act unless they are appropriately licensed. Most accounting associations do not allow accountants to supply these letters or certificates. Now, more than ever, with the introduction of Best Industry Duty (BID), the possible removal of Responsible Lending, accountants will need to think twice before supplying a letter or certificate. Brokers will also need to rethink these requests in light of the removal of Responsible Lending and introduction of BID. Both parties, going forward, could potentially be fined, lose their license, and/or face civil penalties. Basically, don’t use an ‘Accountant Letter’ when trying to obtain lending.
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Bullying By Friends Hurts The Most: Study By Maureen Dettre
(Australian Associated Press)
The spreading of rumours or exclusion by best friends hurt victims more than if the same type of bullying was instigated by someone else, Australian researchers have found. The study by researchers at Flinders University found bullying can come from surprising quarters – including best friends. And young victims often tolerated the behaviour because they greatly valued the closeness of their friendship. The Global Results of Peer Aggression and Wellbeing Study, conducted by Grace Skrzypiec and Mirella Wyra, found it was the less potent instances of bullying that mattered most – with victims identifying the pain of bullying from best friends, such as spreading rumours or exclusion, being especially harmful. Tolerating such treatment from friends had implications for how young people would conduct themselves in future relationships in their adult lives, the report found. “When there is an emotional investment in a relationship, bullying from best friends can be explained away by a victim as not being intentional or harmful and as just joking around,” Dr Skrzypiec said. “However, when the bullying involves being excluded or spreading rumours by a best friend, it is not so easily dismissed
and in fact is more harmful to the individual than if they were excluded or had a rumour spread by someone else. “If there is an emotional investment and trust between young friends, they are dismissive of low-level abuse – or the perpetrators realise they can get away with low levels of abuse.” Dr Skrzypiec said those experiences could predispose young people to domestic violence, and further research was needed to assess the possibility. The study, published by the Journal of School Violence, found 65 per cent of students affirmed experiences of peer
aggression, with 57.7 per cent saying they had experienced peer aggression that was harmful. The data was sourced from a sample of 6864 students aged 1116, from 12 countries. The study found when young people were repeatedly harmed through peer aggression and bullying, one in seven (14.2 per cent) of these victims were also aggressors – perpetuating a vicious cycle of bullying. Generally, males showed a greater propensity to be involved in peer aggression than females.
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SPECIAL FEATURE - SELF MANAGED SUPER FUND ACCOUNTANT By Warren Strybosch
This month we are providing a special feature on Self-Managed Super Funds. Self-managed super funds (SMSFs) in Australia are privately run super funds that can currently have between one and four members (who must also be trustees of their fund). However, Senator Jane Hume has introduced Treasury Laws Amendment (Self-Managed Superannuation Funds) Bill 2020 into the Senate in the first week of October which amends the SIS Act, the Corporations Act, ITAA 1997 and Superannuation (Unclaimed Money and Lost Members) Act 1999 to increase the maximum number of allowable members in SMSFs from four to six. The question is whether or not there will be any interest in increasing the SMSF to six-members and a lot of people are unsure why it is even being considered. Currently, according to the ATO, only 4% of funds have three or four members with the majority of SMSF, approximately 70%, being a two-member fund e.g. married couple. So, is there a real need for a sixmember fund? The bill has been delayed but everyone including the ATO is preparing for these changes to be passed in November or December. How many SMSFs are there? The latest available ATO figures indicate there were nearly 596,180 SMSFs in Australia in March 2020. This is an increase of 15% over five years. What is of interest to note is that since 2018, soon after accountants lost their ability to provide advice in this area, there have been fewer SMSFs being set up. The table below highlights that while the total number of SMSFs and members are growing steadily, the rate of growth is slowing. The rate of growth in new funds has fallen 41% from around 34,000 in 2014/15 to 20,000 in 2018/19. Over the same period, wind-ups had been increasing although the ATO comments that the unusually low figure for 2018/19 does not include complete lodgement data.
Who can provide SMSF advice? It is important to understand that a SMSF is a financial product. As such, anyone wanting to provide advice in this area, even the set up and closure of a SMSF,must be appropriately licenced under an Australian Financial Services Licence (AFSL) or be an Authorised Representative (AR) of an AFSL. Importantly, the accountants’ exemption (Regulation 7.1.29A) was repealed on 1 July 2016. This means that an accountant, or any individual, cannot recommend the set up or wind up of an SMSF without being appropriately licensed under an AFS licence. This includes advice that could reasonably be regarded as being intended to influence a person in making a decision about an interest in a SMSF. It is imperative that consumers understand that accountants, even if they hold the ‘Accredited SMSF Association Specialist’ designation from the SMSF Association cannot provide SMSF advice except to provide tax return advice. All other advice related to SMSF e.g. set up, closure, contributions into super, withdrawals and pension payments, can no longer be provided by accountants. Only those who are an AFSL or AR can provide this advice. Note: Even an AFLS or AR must still be listed as being able to provide SMSF on the Money Smart Website. You can find out who can and cannot provide advice in this area by going to the ASIC website and searching under the Professional
register for any person giving advice. There will then be a link from the ASIC site to Money Smart specifically stating if they can provide SMSF advice under their licence arrangements. The provision of unlicensed financial product advice is potentially a breach of the law and could incur significant penalties, including fines up to $36,000 for an individual or up to two years imprisonment. Further, it will not be covered by Professional Indemnity Insurance and could risk professional membership. If you know of an accountant or an individual that is providing advice in this area and is not licensed to do so, you can report them to ASIC or the Tax Practitioners Board (TPB). When should you consider a SMSF? Our opinion is only if you wish to hold a commercial property e.g. factory or commercial office, art, or some other asset in your SMSF that normal superfunds cannot hold. Now, with the introduction of platforms within industry funds and other APRA regulated funds allowing clients to buy and sell shares, EFTs, Term Deposits and the like, whilst making sure the super fund is compliant, there is no real reason to set up a SMSF. Control is not a good enough reason anymore and neither is cost. How much does it cost to set up and run a SMSF?
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There are certain legislative costs that must be paid: 1. ATO Supervisory Levy - $259 2. Company Trustee online Setup (if applicable) - $506 + $36 ASIC fee. If you already have a company set up, you can pay a smaller fee to use your existing company as Trustee for the SMSF. Other fees you will need to pay annually: 3. Audit Fees – range from $440 to $1100 depending on complexity 4. Accountant fees (return) – range from $775 to $5,500 depending on complexity 5. Software fees (maybe included in return costs) – range from $110 to $275 A new fee that Trustees will have to be aware of is the financial planning fees. The ATO is now requiring Trustees of SMSF to have prepared detailed Investment Strategy that is regularly reviewed. At time of writing this, it is unclear how often it has to be reviewed but we believe if your circumstances have changed and it will have a bearing on your SMSF, then the auditor may require this to be reviewed. 6. Financial Planning (Investment Strategy) – range from $1,110 to $22,000 depending on complexity. The ATO released in June 2020 the SMSF cost figures that related to the 2017-2018 financial year, which showed that the average SMSF costs were just below $5,000 per year. However, it is likely these
fees have increased now when taking into account the new investment strategy requirements. Overall, a SMSF is a costly exercise, and consideration to cost should be taken into account when setting one up. Investment Strategy: Diversification on ATO Radar Given some of the significant market corrections this year, it is fair to say that the ATO may send out further letters to SMSF trustees and their auditors in the near future regarding asset concentration risks in their fund. Last year, the ATO contacted 17,700 SMSF trustees and their auditors who had more than 90 per cent of their assets in a single asset class. The ATO reminded these trustees of their legal obligations to formulate an investment strategy that considers asset concentration risks and diversification. We would expect to see further letters sent out at some point by the ATO to trustees in regard to this particular issue of diversification. It should also be noted that the ATO recently highlighted in its COVID-19 FAQs that significant events such as market corrections may prompt a review of a fund’s investment strategy and may require an update to that strategy. The ATO has made it very clear that where the trustee had not adequately considered diversification as part of the investment strategy of the fund, then they
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would look to impose administrative penalties. The penalty could be imposed at either an individual level, jointly or between the directors of the corporate trustee. This would result in a section 55 action, whereby an aggrieved member, may be able to take action against a Trustee for mismanagement of their money with the SMSF. The investment strategy is not just about meeting the ATO’s compliance requirements but also about protecting each of the Trustees in the event that something happens to the investments. For instance, a property is purchased but the property in retirement phase does not allow 5% of assets to be drawn down as a pension. The Trustee may be liable for using other member’s funds for purchasing the property for which that member now cannot set up a pension unless the property is sold. I believe this may be a recurring issue over the coming decade for Trustees who have purchased properties over the past 20 years with little thought or the lack of advice provided around this issue. Overall, it is important to seek appropriate advice when considering setting up a SMSF. Alternatively, you may wish to consider closing your SMSF down.
Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au
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We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.
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INSURANCE THROUGH YOUR SMSF
FINANCIAL PLANNING By Mari Nguyen
The Super System Review conducted by the Federal Government in 2015 found that less than 13% of SMSFs have insurance coverage for their members. If you have a Self-Managed Super Fund (SMSF) it is a legal requirement that you have a documented investment strategy in place. This Investment Strategy must be reviewed regularly by the fund to ensure that it continues to reflect the circumstances of each member as it changes over time. As part of this investment strategy SMSF trustees must consider whether their members require personal insurance cover. When determining if the trustees satisfy the prescribed prerequisites the following points are worthy of consideration: • •
Do the members have existing insurance (either outside or inside superannuation)? How much insurance does each member need? It is important to take into account that each member’s insurance needs will be different depending on their personal and financial circumstances and will change over time.
Here are some of the factors that require consideration: 1. Amount needed to clear liabilities 2. Income required for spouse or
3. 4. 5. 6.
dependants to maintain living standards Funeral costs Medical expenses Cost of carers if needed Education costs or childcare if required
•
•
Types of Personal Insurance Permitted in SMSFs When obtaining insurance via your SMSF, you should ensure that the insurance satisfies the following superannuation conditions of release: • •
• • •
Death (life insurance); Permanent incapacity, which causes the fund member to permanently cease working (e.g. total and permanent disability insurance or TPD); Temporary incapacity, which causes the fund member to temporarily cease working (income protection insurance), and The diagnosis of a terminal medical condition that is likely to result in the member’s death within two years.
Advantages and disadvantages Some of the advantages of having insurance in your SMSF include:
Advantages •
Life Insurance is tax deductible within a SMSF, whereas it is not tax deductible if owned personally by an individual.
Insurance premiums deducted from your super account won’t affect your cash flow. If you find you don’t have additional funds to pay for insurance, using contributions or funds within the SMSF is an option. Insurance premiums can be taxeffective in super, which could result in a significant cost saving compared to paying for premiums outside of super, with your after-tax income.
Disadvantages Some of the advantages of having insurance in your SMSF include: •
•
Insurance premiums deducted from your super account reduce your super balance which reduces your retirement savings. There are restrictions on the type of insurance and terms of insurance inside super.
Information provided in this article is of a general nature only and does not constitute financial advice. Please contact us if you would like an insurance review to determine the appropriate levels of insurance based on your individual circumstances.
Mari Nguyen Financial Adviser Canopy Financial Group Pty Ltd 0415 658 611 www.canopyfg.com.au
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PLANNING TO BUY A PROPERTY IN YOUR SMSF? WHAT YOU NEED TO KNOW MORTGAGE BROKERING By Reece Droscher
For some time now if you have a SelfManaged Super Fund you have been able to borrow from a Financial Institution to buy a property for investment purposes. Many SMSF’s have taken advantage of this option to invest in bricks and mortar, however before you start heading to property inspections and dreaming of building a property portfolio to support you in retirement, there are some things you will need to know about how lending to an SMSF works and which lenders will support this type of finance.
SMSF PROPERTY RULES Buying a property inside a SMSF comes with a particular set of rules and regulations to which the trustee of the SMSF must comply. 1. The property must not be lived in by fund members or any related party. 2. The property must be acquired for the sole purpose of providing retirement benefits to fund members. 3. The property cannot be rented to fund members or related parties. There is one exception to the rules above and that is where a SMSF purchases a commercial property that is to be occupied by a fund member’s business. The business can occupy the commercial premises but must be paying market rent. Buying property inside a SMSF also comes with higher costs. To enable the SMSF to buy a property a special holding trust needs to be established, and the property is placed in the name of this holding trust, so there are additional costs for this to be set up. SMSF members are also required to obtain legal and financial advice as part of the buying and borrowing process.
SMSF BORROWING Borrowing for property using your SMSF comes with very strict conditions, and as such not many lenders currently offer loans to SMSF’s. These loans are classed as ‘limited recourse loans’ which means that if a SMSF defaults on a loan, the lender’s only recourse to repay the debt is limited to the property asset held in
the SMSF. They cannot access any other assets within the SMSF. Loans to SMSF’s are more costly to lenders who participate in this market, so interest rates and establishment fees applied to these types of loans are significantly higher than loans provided for buying property in your personal name. Be aware that rates above 6% are common for these types of loans. There is no correlation between the rate applied on a standard Home Loan and the rates applied on a SMSF property loan. SMSF’s are solely responsible for meeting the repayments on the loan. Rental income from the investment property combined with super contributions on behalf of the fund members are the primary sources used by lenders to determine the borrowing capacity of the SMSF. The cash liquidity position of the fund is also a contributing factor, as there must always be sufficient cash in the fund to meet the loan repayments even when the investment property is vacant. Lenders are therefore more conservative when it comes to gearing levels for loans provided to SMSF’s. Most lenders will not allow a SMSF to borrow more than 80% of the property value, however this will depend on the type of property being purchased. In some instances, say for commercial property or residential property in some regional areas, the percentage may be reduced to 70% and potentially lower, so the SMSF would need to contribute more cash towards a purchase than a natural person. Furthermore, a property purchased within a SMSF cannot be altered or renovated to change the character of the property until the SMSF loan is repaid. Borrowed funds can be used to cover repair and maintenance costs, but any alterations or renovations which are classed as improvements must be paid for through the accumulated funds of the SMSF and cannot change the asset type. For example, a property originally purchased as a standard residential home cannot be altered to become a medical practice as this changes the asset type to a commercial property.
PARTICIPATING LENDERS Due to the highly regulated and specialised nature of this type of lending,
most lenders in the market do not offer SMSF lending as part of their suite of products. However there are a few lenders still remaining in this market, such as Latrobe Finance, Liberty and Think Tank. There are also a number of private lenders who offer these products, however it is always best to speak with a mortgage broker who has experience in these types of transactions, as they will be able to help you navigate the complex lending process and ensure that you are able to access the most appropriate product to suit your needs.
BEFORE YOU START LOOKING FOR A PROPERTY TO BUY…. If you have a SMSF, or are thinking about establishing one, please ensure that you get the right team of experts to provide you with advice before you make the decision to buy property and borrow through your fund. That would mean speaking with your financial advisor to determine whether to buy property would align with your investment strategy, and getting legal advice to ensure the SMSF structure is in place to allow for a property to be held in the fund. Should the advice suggest that buying property inside your SMSF is the best option for your retirement planning strategy, and finance would be required to facilitate this, ensure that your mortgage broker has experience in SMSF lending. Due to the complex nature of these transactions a lot of mortgage brokers have not participated in this market. At SHL Finance we have assisted many SMSF’s through the complex finance process and work with your financial advisor to ensure the lending solution aligns with the investment strategy. Please call Reece Droscher for any SMSF lending requirements.
Reece Droscher Managing Director of SHL Finance Pty Ltd 0478 021 757 reece@shlfinance.com.au
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We allow our boundaries to be crossed and put ourselves down for not using our voice and not valuing ourselves enough to hold our boundaries firm. Once you catch yourself doing this, stop taking away from yourself and start celebrating that you have noticed this, know you are worthy of voicing your boundaries and know it a pattern your inner critic uses to devalue you. Do not spend hours and energy beating up on yourself, let it go, move forward a give yourself your voice and boundaries back.
Self-worth makeover: How to stop devaluing yourself Start to pay attention to the words and thoughts you are saying to yourself in the quiet moments, our internal critic is often drowned out by the business of the day however it is there playing in the background.
PARENTING By Lesley-Anne Banton
Are you being kind to yourself? Are you being loving to yourself? Are you yourself?
being
compassionate
with
With so much triggering us into fear, anger, fight, and flight we are forgetting to be kind to ourselves. All too easy we can slip into a loop of self-judgement and self-criticism, which devalues our self-esteem and self-worth without us being consciously aware of it. Right now, so much is being heightened by our internal critic, especially those who are facing financial challenges and those that live alone. Their thoughts and internal dialog are what they are hearing and paying attention to for most of the day. Our bodies respond to these thoughts, dialog, and words as if it were actually happening in the external world, this can trigger emotions and feeling to match the internal thoughts, which diminish our ability or desire to take action and or make changes. Our brains do not know it is not true and that they are only thoughts. How do we know we are devaluing ourselves and what to do about it?
We find ourselves comparing ourselves to others â&#x20AC;&#x2DC;who seem to be managingâ&#x20AC;&#x2122; or we compare ourselves to a perfectionist version we have of ourselves and criticise or shame ourselves for not being able to be that in the moment. We relive moments of the past that we may not have delt with the way we wanted to, this makes us feel less than who we are and you are constantly living in the past deleting out all the things you HAVE achieved and done. In these moments, go on an exploration and celebrate all that you have done and achieve, shine the light on these moments and amplify them make it louder that the inner critic that wants to keep you in the past. We catastrophise about the future and base our perception of how we think we can deal with this in a state of feeling devalued, this makes us feel even more hopeless and helpless and is disempowering. Look at the moments when you have moved yourself through challenging moments in your life, see the resourcefulness magnify the skills you drew on, the empowering thoughts you told yourself to get you through, they are all still in there ready for you to draw on and use again.
Our internal words can be unkind, unsympathetic, and unpleasant about our ability to manage our current external situation, we can berate ourselves, call ourselves unkind words, shame ourselves. Ask yourself, what unkind words am I saying to myself? If a friend or family member were having a hard time how would you support and encourage them? This is how compassionate you need to be to yourself. Once you start to become more mindful and self-aware of your inner critic, voice, and words you can start to catch yourself quicker and change the dialog. Be more understanding, empathetic and loving to yourself. Appreciate yourself, give recognition to yourself, highlight your gifts, abilities, attributes, and capabilities. Give yourself total permission to celebrate you, to appreciate you, to be kind to you with your words and actions. Choose to add to yourself and your energy and conquer your inner critic. How to expand on where you are right now What is something you can do that would be fun and light you up? What is one more thing you can start to do to increase your self-worth? What is one more thing you can start to action on that will increase your own value of self? What can you choose to start doing differently to let your self-worth increase even more? What will you now stop tolerating? Not everyone can create and maintain this change by themselves, if this is you and you want to have a coach get you there quicker and with support, contact Lesley at theparentwhisperer1@gmail. com
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5 Winning Ways to Write a Book ACCREDITED EDITOR By Susan Pierotti
Does the idea of actually writing a book scare you? Like all new activities that take us out of our comfort zones, the process of writing a book is a discipline that can be learned. First of all, work out your chapter structure and set aside half an hour a day where you give yourself permission to write anything. That’s right, anything – gibberish, nonsense, blah, blah. You’ll be surprised how much of it will make sense, eventually! Here are five fun ways to get the text of your book into a publishable format. 1 Blogs You may have been writing for a while, perhaps blogs, articles or travel tales. Why not collect them for publication? For instance, 20 blogs of around 2,000 words each makes a good-sized business book. Sort them into themes. You may see a pattern and want to write some more on one particular aspect. You may even have enough for two books! Repurposing your written content is the easiest way to write a book. 2 Computer What did we ever do without computers! They are marvellous storage devices that allows us to record, rearrange, sort, file and print. Specialist software programs such as Scrivener are available but a series of Word.doc files where you can write down that moment of inspiration will suffice. You can shift paragraphs around between chapters for balance, you can paste the whole text together and with a few keyboard functions, adjust the entire font and format to match. In the main file, you can include relevant graphics or images, your book contracts and even your ISBN and barcode if you are selfpublishing.
The beauty of using a computer is that when you need to send it to the publisher, you simply attach the file in an email – so easy! 3 Pen and paper Writing on computer is great but oldfashioned pen and paper has its advantages too. Human beings are different from other animals in being able to use tools. Scientists have proven that this ability to use our opposable thumbs and index fingers develops the language area of the brain. You write by curling the hand over so the thumb and fingers are opposite each other; this doesn’t happen when we type. Writers find their creativity flows better when they write than type. It also improves memory. If you’re looking for inspiration, or stuck for a word or an idea, trying putting pen to paper. 4 Ghostwriting There are many people who have a book in them but for various reasons cannot write. For example, they may be dyslexic, they may have a hand impediment or English may be not their native language. If this is you, don’t despair!
front cover but were actually written by someone else – a ghostwriter. Ghostwriters interview you and others and research information, saving you time. They will put the text in your words so that it sounds like you. You will draw up a contract with them so that the ghostwriter is never named – but expect to pay a high fee for their services. 5 Record and transcribe Another popular way of writing a book, especially with older people writing their memoirs, is to record it on a phone or recording device and pay someone to transcribe it. This is a less formal way of writing a book. The transcriber can write the exact words of the person talking in a more conversational way, there are more jokes to record and the memories flow more freely than if they had been asked to write down their life history on their own. Creative Text Solutions offers all the above options. If you want to write a book but the thought of actually writing it is putting you off, contact Susan at susan@ creativetext.com.au today to explore what the best option for you would be.
Many of the books written by sports stars, famous public speakers and former heads of states have their name on the OCTOBER 2020 | FIND KNOX
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AN OUNCE OF PREVENTION
GENERAL INSURANCE By Craig Anderson
There have been a few recurring themes that have come up over the last few months when I’ve been talking with prospective new clients. Pricing has moved up the rankings of importance for a lot of folks, but still the number one concern is that they are worried about whether their cover is adequate, and if there is something they have failed to consider. Added to this I’m often given copies of existing policy paperwork with incorrect addresses, incorrect company name or trading name, incorrect ABN numbers, outdated turnover figures and poor activity descriptions. It seems quite often they have good reasons to be worried. So if I can state the obvious, it certainly streamlines the quote process if the information provided to the broker is as accurate as possible to avoid potentially adverse outcomes. All policies are not made equal, and the endorsements applied to them by insurers when they quote can dramatically change the effectiveness of a policy. Imagine then, after a lot of hard work and deep thought you arrive at the right decision with the best insurer at the best price, but are unable to claim as the address of your business or asset has not been updated since you moved, and you are insuring the wrong building. If you fail to provide
this information to the broker and insurer this could be a complete catastrophe. In a couple of examples, one poor guy was insuring the wrong activity for 6 years, and another guy was insuring someone else’s business with a very similar name thanks to a “cut and paste” mistake made when copying details from the ABN Lookup website. The name of the business was only one letter different, but it’s enough to leave you with no cover when the ABN of the other business was also supplied. I’m sure this won’t be the last example of that I see this year either. If you are administering a SMSF and have valuables such as artwork or uncut gems in a vault, you will be required to take out insurance to protect those assets. As you can’t benefit directly or indirectly from SMSF assets (like hanging a SMSF owned painting in your house or allowing your company to lease it for your own office), they will need to be secured in a vault. You will also need regular valuations (check with your Accountant about frequency) so you can maintain an accurate asset register, and which will allow you to properly insure your items. If valuations are required away from the secure premises read the fine print in your policy, as most often Transit Insurance is not included. Please tell your broker if this is the case, as you can always add this cover from the start or endorse it onto the policy before you have to move your items to a Valuer or other location . Again, the correct details of the fund are
crucial, as is the correct storage facility name and address. Some may think that such obvious statements are unnecessary, however after the examples I’ve seen in just the last few months, I think it may be worth saying it again. An ounce of prevention is better than a pound of cure, so please check the details of what and where is insured and under who’s name and ABN before throwing your insurance paperwork into the filing cabinet drawer. Contact your broker for a review, but remember that the policy can only be as good as the information it’s based on. As always, 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 0418 300 096
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The Red List: Building Materials Not to Use ARCHITECT
Copper Pipes
By Kathy Ismail
Building a house is a long-term investment, not just for the home owner but also for the environment. The wooden frame, concrete slab, roof materials, windows, door and internal fixtures contain a certain amount of chemicals. The Red List is a universally recognised list of dangerous chemicals that should be avoided, which architects are fully aware of. Some commonly used chemicals on the Red List are known to pollute the environment, accumulate within the food chain until they reach toxic concentrations, and harm construction and factory workers. In fact, all design professionals and builders must seek out alternative products if they want a project to meet Living Building status, the most rigorous performance standard in their industry. In this article, we focus on some of the more common Red List items and the pros and cons of their alternatives. Asbestos is probably the best known one, but here are some others: PVC PVC is a widely used plastic found in piping, electrical wire sheaths and window frames. It also contains other Red List chemicals such as cadmium, lead and phthalates which are components of flexible vinyl products, sealants, and finishes. PVC Pipes
You can choose to replace PVC pipes with metallic ones – copper, steel or ductile iron. However, they are heavier, susceptible to corrosion (expect for copper) and more expensive to buy and install. Cross-linked polyethylene (PEX) is a plastic used to make flexible, convenient and cheap pipes that doesn’t contain PVC. Unfortunately, PEX can’t be recycled, its health effects have
not been definitively studied, it degrades with sun exposure and may be more permeable to chemicals than other types of piping. For window frames, you might think of using wood, aluminium or fibreglass. Remember that wood requires additional maintenance and aluminium frames should be used with a thermal break to insulate the window and prevent condensation. Another desirable alternative is UPVC, used in windows and doors. It is highly rated for sustainable houses. Refrigerants Hydrochlorofluorocarbon and chlorofluorocarbons are refrigerants used in air conditioning, heating, refrigerators, foams and aerosols. They were identified as the first ‘greenhouse gas’ and were largely responsible for the hole in the ozone layer. Hydrofluoro-olefin can be used instead as a refrigerant and a foam/aerosol to seal around windows. Carbon dioxide is also another refrigerant but it requires a unique system compared to other refrigerants. Both are comparable to standard refrigerants (or cheaper) and both have low global warming potentials. Halogenated flame retardants These retardants are found in upholstery, cloth window shades and insulation. They contain chlorine and bromine, with increased amounts of carbon monoxide and hydrogen cyanide, all hazardous chemicals. In other words, using them increases the danger of invisible toxic gases, the number one leading cause of death in a fire. You can replace them with nonhalogenated flame retardants which give the same level of protection against
fire. Foam insulation is also an option but make sure it is properly installed to avoid mould formation. Volatile organic compounds Volatile organic compounds (VOC) are found in many products, from laminates to glues to wood products, and are often used as a binding agent in fibreglass insulation. Foam insulation is a good alternative, as is recycled cotton for insulation, and acrylic or rapidly renewable materials as a binding agent for fibreglass insulation. Paint may also contain volatile organic compounds; a giveaway is if it smells strongly. This is why people are cautioned against living in a house that is being painted and to move in a day to two after the painting has been completed. However, there are low VOC paints; for instance, the entire Dulux range on interior paints. Are you beginning to feel alarmed that you are living in or about to build a toxic waste dump? Don’t be! Research on materials gets better every day as well as the Red List. The gold standard in the building industry to design a structure that uses passive design principles and sustainable building products for the finishes. An architect can point you in the right direction you to find safer options that don’t necessarily cost more than standard materials and that have a longer shelf life. Contact Kir Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We are always happy to answer any inquiries.
Kathy Ismail ARCHITECT www.kirarachitecture.com 0422 026 962 OCTOBER 2020 | FIND KNOX
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LACTATION CONSULTANT By Dr. Joanna Strybosch
Most breastfeeding mums don’t drink often or very much. But there are times now and then when you may like a drink. So, can you drink alcohol while breastfeeding? If so, how much and how can you do it safely around your feeds times?
ALCOHOL AND BREASTFEEDING
One thing we know is that as the COVID-19 pandemic has continued in Australia, alcohol consumption has increased. A new survey from the Alcohol and Drug Foundation has found that 12 percent of Australians have begun consuming alcohol on a daily basis since the coronavirus pandemic began. The survey also showed that many Australians who did not drink regularly before have now picked up the habit. The Australian Government’s Department of Health recommends that for women who are breastfeeding, not drinking is safest for their baby. Research shows that there is no safe level of drinking — even a small amount of alcohol can harm a newborn baby, and the more you drink, the more likely it will harm your baby. Research shows that when you drink, the concentration of alcohol in your blood and breastmilk is the same. When you drink, your breastmilk alcohol levels closely parallel your blood alcohol levels. The highest alcohol levels in breastmilk occur 30 to 60 minutes after an alcoholic beverage, but food delays the time of peak milk alcohol levels. Nursing after 1 or 2 drinks (including beer) can decrease the infant’s milk intake by 20 to 23% and cause infant agitation and poor sleep patterns. Nursing or pumping within 1 hour before ingesting alcohol may slightly reduce the subsequent amounts of alcohol in breastmilk. Studies in Australia show the effects of alcohol (ethanol) consumption during lactation are complex and depend on the pattern of maternal drinking. They show: • •
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alcohol stays in breastmilk for several hours (2hours - 2.5hours) alcohol reduces the milk ejection reflex, by inhibiting the release of oxytocin. The greater the alcohol level, the longer the delay in the letdown reflex. This means your baby may feed less and be less settled. alcohol decreases milk production women with a family history of alcoholism have a blunted prolactin response following breast stimulation and tend to breastfeed more
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frequently to compensate for less milk production women who drink heavily (more than 2 drinks daily) are twice as likely to discontinue breastfeeding by 6 months postpartum heavy maternal use may cause excessive sedation, fluid retention, and hormone imbalances in their breastfed infants greater or riskier alcohol consumption by nursing mothers may affect their children’s academic performance negatively in school
So, if you want to enjoy the occasional glass of alcohol, how can you time it around your breastfeeds so that you minimise the concentration of alcohol present in your milk? Casual use of alcohol (occasional 1 glass of wine) is reportedly unlikely to cause either short- or long-term problems in the nursing infant if the mother waits 2 to 2.5 hours per drink before nursing. The time to eliminate a standard drink of about 12 g of alcohol varies with your weight. For a 54 kg woman, 2.5 hours after finishing the drink is required to eliminate the alcohol from your milk. For a 68 kg woman 2.25 hours is required; for an 82 kg woman, 2 hours is required. For each additional drink consumed, the same number of hours should pass. For example, a 68 kg woman consuming 4 drinks should wait
9 hours before resuming breastfeeding to ensure that the infant does not receive any alcohol. Other things to consider are that eating before alcohol consumption will reduce and delay your peak blood alcohol concentration, and reduce your total alcohol absorption. Also, pumping before alcohol ingestion caused similar effects, but of a smaller magnitude. In order to help women drink safely and responsibly while breastfeeding, the Feed Safe App was developed based on the Australian Breastfeeding Association and offical Australian health recommendations. The app provides a standard drink guide and general guidelines on breastfeeding and the use of alcohol. It uses a woman’s height and weight to calculate the time until their should be no alcohol in her breastmilk. So, if you do chose to enjoy the occasional glass of wine, please do so safely.
Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds
Lactation Consultant 9876 3011 https://www.childrensosteopathiccentre.com/
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INSTALLING A SHED ROLLER DOOR GARAGE DOORS By Chantal Djuric
There is much advice on the internet on how to install your own shed roller door. If you are thinking of installing one yourself, read on. This is a summary of what we do at Cruzin. We begin by measuring the width of the roller door against where it will be installed as the roller door curtain needs to be 100 mm wider than the opening. There has to be enough room on the side and the correct space between the wall bracket and the edge of the door curtain. After measuring accurately where the brackets will be fixed, we attach them with the appropriate equipment, depending on whether they are being fixed to brick, masonry, concrete or steel sheeting. This is not a job for the shed owner as working at heights is an OH&S issue that we take seriously. Is the chain operator a planetary geared one, a direct drive one or an electric one? Each one has specific instructions on how to be attached. This is fiddly and fraught with the potential to make mistakes. Only a trained garage door specialist will have the requisite expertise to assemble and attach it properly. Now we lift the roller door onto the brackets and loosely secure the axle to them. We never use the wall brackets to mount the door lifting gear as they are only designed to support the door. Remember, roller doors can weigh up to 200 kg, around twice the weight of most adult males. The door is now centred within the opening with the same amount of curtain overlap on each side. If the operator is an electric one, we position it as required at the same time. We remove strapping and packaging material, without cutting the centre nylon strap, and move the door to the rear of the bracket slots, turning the axle so the door is relaxed on the axle with the bottom rail at the bottom of the curtain. Without letting go of the curtain, we now cut the centre strap. Holding the centre of the bottom rail, we open and close the curtain to ensure it is correctly aligned on the roll before fitting the guide tracks. As you can see, attaching the door precisely with the correct amount of tension is a tricky process that should be done by an expert.
Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners. With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.
With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through. The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it! If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury. Our advice is – leave it to the experts! For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.
Chantal Djuric GARAGE DOORS 427 894 603 www.cruzingaragedoors.com.au
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POSITIVES FOR BUSINESS POST COVID BOOKKEEPER By Neha Nayyar
The complete humanity is going through distress with the Pandemic. Our heart goes out to families who have been affected by and have lost loved ones due to Covid. This has been a challenging time for everyone, especially business owners. Business owners across the globe have been forced to adapt to the current environment and it will undoubtedly influence the way businesses run in the future. Innovation is the answer to a lot of problems and future problems. So instead of thinking of this year as a write off, let’s look at the positive influences this pandemic has on the future for business owners: 1. Work from home - “If you can work from home you must.” Gone are the days where businesses need an office space in order to run and operate efficiently and successfully. Sure, working from home comes with its challenges and in some cases many distractions (especially for those that are homeschooling) but it’s also given employees/employers an opportunity to try something they may have thought could never work. There’s often fear around a lack of communication between your team members if they work remotely, however, online communication platforms like Zoom and Slack make it possible to offer support and remain connected. Many businesses have found there’s been an increase in communication and productivity among their team since going remote. Another benefit to going remote is reducing the overhead and operational costs that come from rental spaces, this means more money in business owner’s pockets. As an added bonus - businesses are no longer limited to where they operate/hire based simply on their geographical region! 2. Balanced Life - For many, the pandemic has given us reason to slow down. We are all actually cooking instead of getting takeaway, playing board games with kids and spending more family time as there is no commute anymore. All businesses are quite respectful of every one’s situation. Humanity and compassion has come strong during the Pandemic.
3. Unnecessary travel - Before Covid, it was not uncommon for us to jump at the opportunity of travelling overseas before exploring our own backyard. Fast forward to a Post Covid world and an overwhelming feeling of wanderlust we’ll be seeing a surge in domestic travel and boosting the economy within our own communities. This is already a popular trend among the states with eased restrictions and becoming more common within Victorian “community bubbles” wanting to support local.
4. Online Services/ Products - With restrictions making it near impossible to operate as normal, a decline in foot traffic and an increase in social distancing has encouraged business owners to adapt and become incredibly creative and innovative in how they operate in the current environment. For many business owners, this meant turning to e-commerce solutions to keep up with the demand of consumers. Many business owners have even found their businesses to be more profitable since running strictly online and as an added bonus, have gained the ability to capture buying trends and customer loyalty. Of course, this isn’t as simple for business owners who offer intangible services and rely on face to face communication to sell their products.
Online communication platforms such as Zoom and Google Hangouts have been critical for these businesses in reaching out to their customers and maintaining client relationships. 5. Employee’s care by offering flexible work - Employers are now offering their team to work from home and it appears that this will start to become the norm with allowing some staff to work from home partially and some onsite. Employees are feeling valued by receiving this opportunity. In turn, this will have a positive impact on reducing employee turnover and maintaining reliable staff.
6. Rest to mother nature and time to reflect - If you have been on a walk in a local park or you hear International news, people are observing clearer skies, birds chirping and plants blooming. Mother nature got some rest from pollution and now looks happy and positive, which in turn will help us humans living in a cleaner environment. We hope you all come out of this stronger and we see you all at a local cafe. If you need any assistance automating your Accounting and Bookkeeping systems, please feel free to contact us at info@ sumsubstance.com.au or (03) 9424 9447.
Neha Nayyar Bookkeeper | Sum and Substance 0401 409 573 info@sumsubstance.com.au
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GROW YOUR BIZ WITH $500 A MONTH MARKETING CONSULTANT By Matthew Benn
Att: Frustrated Business Owners – with a small marketing budget. I’ll get right into it… you need more leads to sell to and right now you don’t have a system that you can turn on to get more leads… and then turn it off when you don’t need them. Once you setup a marketing system that works – you’ll need as little as $500 per month Ad spend - to actually grow your business. Everyone thinks their business has customer attraction - until they try marketing and realise it’s NOT that easy. We have meetings every week with potential clients who just don’t understand WHY their marketing doesn’t work – until their light bulb moment in our first meeting! Growing large sales pipelines ($10M $100M) with the right potential leads isn’t that hard when you have the right things in focus… and that’s what we specialise in. Marketing becomes very straight forward and simple when the right perspective and message is in place. Now this advice may surprise you because marketing agencies quote some pretty large sums of money to create the most amazing systems and consulting firms the same with their analysis of the situation. Yes - we want more customers… but we’re happy to give away one of our system plans, because we know that you just want to know how it works and that you can have faith in the system that you want someone to build for you. You are not a marketing expert, you’re an X, Y or Z expert – which we will never be… that’s your specialty. An effective marketing system is the 1st step and stage you need to achieve in order to be able to grow your business. It is very simple, but it is not easy. 95% of businesses never achieve solid perpetual growth... as they hit a natural ceiling and can only ever grow 5-10% a year – if that. What if you could consistently grow 3050% each year?
Small businesses are time poor and there is not usually a lot of spare cash to spend on “maybe it will work” ideas. Marketing agencies are known for their HUGE claims… and high dollar investment propositions. You can actually achieve HUGE growth if you are setup properly with systems and processes to support growth. But you need to invest in building those systems. I will now dispense with the ideas that most small businesses think ARE good ideas. These are NOT good ideas for small businesses to invest time and money in: 1. Social media content marketing… unless you are: (A) amazing at copywriting (B) have loads of spare time and (C) understand social media platforms marketing algorithms. 2. Google Ads… unless you (A) Have a killer offer and sales page that can land customers 90% of the time when they land there (B) know how to manage Google Ads like a Pro, (C) have 4 x Ad budget than this article has specified. 3. Search Engine Optimisation… unless you are (A) committed to the continued spend ($2,000 p/mon) on SEO to stay at the top, (B) have an amazing website that converts visitors a large percentage of time and the ability to research new and trending keywords for your specialty. When you have built one predictable lead generation system – the above become solid ideas for marketing as you grow and expand, because then you do need a marketing mix! I could write a number of books on WHY the typical marketing campaign of most businesses do NOT work - however I’ll just tell you plainly and simply - to make marketing work all day everyday (whenever you want - switch it on and off) it’s all about: 1. Deeply understanding your customer emotionally 2. Knowing how to put that into an attractive and customer value message to attract your potential customers
3. Having a marketing system that you can get the attention of your potential customers & turn on and off, in order to maximise your investment in marketing 4. Having a sales system that helps you convert a high percentage of the leads that your marketing creates. And also that you can easily scale (train others to do for you - so that you can continue to work on the business - not in it). ... this is the missing link (not secret), a logical formula / system that you can easily scale - built on hard data... from inside your customers head = they have the answers to attract them! We’ve made it easy for you by writing a check list = which gives you one of our formulas. *** It works extremely well for service based businesses who NEED appointments with qualified leads to sell to*** Most people assume that the marketing agency has all the answers = it’s not true! You = the marketing agency’s client has at least 80% of the answers, you need to verify the other 10% with your end users and the last 10% is refined by the marketing agency. Realistically the marketing agencies job is to bring it all together and systemise it for you. No one should be reinventing the “marketing” wheel unless you are flush with cash and want a very large challenge. As I said earlier, these things are NOT secrets, there is just a BIG gap in people’s understanding about marketing. We’re giving you the opportunity to piece it all together (for Facebook Advertising) so that you can either be more successful or scrutinise those that you entertain as potential marketing agencies... Give yourself a leg up and break free of the growth ceiling... Conquer marketing problems and create one marketing system that works really well every time! Talk soon,
Matthew Benn Marketing Consultant Alongside Business Consulting 402 507 394 www.abcselling.com.au OCTOBER 2020 | FIND KNOX
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Window and Wall graphics are an innovative signage option to create dynamic and visually striking spaces. Make your windows work double time Full-colour, full-size and hard to miss, window graphics tell a compelling story to attract new customers. Permatnent branding or temporary promotions, we have a way to put your windows to work: Click Here for more info
SIGNAGES By Glenn Martin
Enhance your office and retail space, create private spaces, screen sunlight, or decorate your own home. No job is too big or too small – with our cutting edge printers and high quality materials, we can apply any graphic to nearly any surface, from high resolution photographs that span entire walls to decals of your logo on the office door. Our team of signage consultants, designers, and installers will work closely with you to gain a full understanding of your requirements, answer questions, suggest options, meet deadlines, and make sure you’re satisfied with the finished product. Whether you have a brand new space or need a reboot, our high quality graphics will have your walls singing! While everyone has their own idea of what makes for a creative masterpiece, there are a few key ingredients to a great, effective sign.
Know Your Environment The placement of wall and window signage requires careful consideration. Where does your sign need to be viewed from? Are the surfaces of your windows or walls suitable for signage application? You also need to consider the glass and how it is segmented into panes, as well
as considerations such as tinting and size. In many cases the window panels will have aluminium mullions between them, which can disrupt the design unless they are taken into consideration when setting up the artwork. Your Signarama consultant will work with you to assess the key factors required for a successful wall application.
Brand Connection It is important that your signage connects to your business’ brand. You can achieve this through colour, materials, typography, and integration. Great signage incorporating your identity can enhance your space and creates an extension of the brand.
The Right Information Ask yourself: Does my sign include every detail people need? Is it all necessary? Can I leave it out?
Good Legibility When you are designing on a screen, consider the scale of the design. What looks great at a small scale may not translate at a much larger size. Complement the architecture (inside and outside) of the building in terms of style, scale, and proportion.
Decals are an economical alternative to the traditional signwriting approach.
Apply logos, lettering, images, and elements individually onto the surface of your walls and windows. Our decals can be produced in any number, size and cut into just about any shape. They are digitally printed with special inks on a vinyl or clear polyester film that can be applied to virtually any surface. Choose from gloss, matte, clear and frosted vinyl options, with permanent and non-permanent features also available. They can be waterproof and are durable. Generally, they last around 5 years if used outdoors (and if laminated). Computer cut vinyl is available in a large range of colours. This is best for adding a business name, simple one or two colour logo, phone number or web address onto a window. We use high quality vinyl, and design and cut in-house on our plotting machine. Our experts can handle the installation and can replace the graphics when you need a refresh, contact us for a free no obligation on site consultation.
Glenn Martin Managing Director | Signarama 0411 835 668 Glenn.mitcham@signarama.com.au
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Plan to Lift Cap on International Arrivals By Matt Coughlan
(Australian Associated Press)
HOW THE CAP ON INTERNATIONAL ARRIVALS COULD BE LIFTED FROM 4000 TO 6000 NSW • • •
Current weekly cap: 2450 Current average: 2215 Proposed new cap: 2950
QUEENSLAND • • •
Current weekly cap: 500 Current average: 526 Proposed new cap: 1000
SOUTH AUSTRALIA • • •
Current weekly cap: 500 Current average: 183 Proposed new cap: 600
WESTERN AUSTRALIA • • •
Current weekly cap: 525 Current average: 512 Proposed new cap: 1025
VICTORIA •
International flights paused during second coronavirus wave
ACT, NT and TASMANIA •
No commercial flights into those jurisdictions but discussions about hosting quarantine ongoing
AUSTRALIANS OVERSEAS • • •
More than 26,000 of the 35,000 people registered with the government overseas want to come home An estimated 3500 are classified as vulnerable More than 385,000 have returned to Australia since March 13
Deputy Prime Minister Michael McCormack has urged states to take more Australians returning from overseas through expanded hotel quarantine programs. The federal transport minister wants the national weekly cap to rise from 4000 to 6000 in a bid to get more of the 26,000 people stranded abroad home. Under Mr McCormack’s plan, NSW, Queensland and Western Australia would lift state caps by 500 people a week.
South Australia has agreed to take an extra 100 people, while Tasmania, the ACT and Northern Territory are in discussions about chipping in. Mr McCormack has written to premiers and chief ministers asking for their support ahead of Friday’s national cabinet meeting. “I want to make sure that more Australians can return home,” he told reporters in Wagga Wagga on Wednesday. NSW Premier Gladys Berejiklian made her support conditional on WA and Queensland each agreeing to take 500 more people a week. WA Premier Mark McGowan criticised the deputy prime minister for going public with the proposal before national cabinet had considered it. But he appears to be open to a higher cap, raising the prospect of Rottnest Island being again used to quarantine people. Queensland Premier Annastacia Palaszczuk is willing to take more people in hotel quarantine provided capacity is available. She urged the federal government to use its own aircraft to fly people home, echoing a federal Labor proposal to use air force jets. “I don’t want families to be separated by very, very long distances overseas when they are isolated and when a lot of countries are still in lockdown,” Ms Palaszczuk told reporters. Mr McGowan believes Commonwealth defence bases
could ease the pressure on Perth’s hotels but has cooled on calls for Christmas Island detention centre to be used. Christmas Island is being used to detain convicted criminals. The federal government argues defence bases are not suitable because of shared bathrooms and the risk of outbreaks. The ACT is open to taking 150 a fortnight on a single chartered flight provided federal police and the defence force are enlisted to help. Federal Labor leader Anthony Albanese said Mr McCormack lacked influence. “How absurd is it that the deputy prime minister holds a press conference today and says he’s writing a letter about the 25,000 Australians who are stranded overseas?” Mr Albanese told reporters. “This isn’t the responsibility of the states, this is the responsibility of the national government.” He wants the federal government to run its own quarantine programs alongside states. Mr Albanese said the government should also look at chartering Qantas planes and using other air force aircraft to bring people home. Victoria recorded 42 new cases on Wednesday and eight deaths taking the national toll to 824. The 14-day average fell below 50, the mark needed to allow the next stage of restrictions in Melbourne to be eased on September 28. NSW recorded 10 new cases, with four linked to known outbreaks and the rest in hotel quarantine. OCTOBER 2020 | FIND KNOX
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Business worried about end of Stimulus By Colin Brinsden, AAP Econimics and Business Correspondent
(Australian Associated Press)
Almost two-thirds of medium-sized companies are concerned economic activity faces a significant decline, resulting in even higher unemployment, when the federal government unwinds its COVID-19 stimulus measures. As Treasurer Josh Frydenberg puts together his delayed 2020/21 federal budget for October 6, a KPMG Enterprise survey found over half of private, midsized firms and family businesses have benefited from measures like JobKeeper. Increasing the GST and raised productivity to drive revenue growth were considered the two measures that would be most effective to help reduce government debt, scoring 41 per cent and 40 per cent respectively. ‘Interestingly, raising GST was the only taxraising measure considered an effective option for the government,” KPMG Enterprise national tax leader Clive Bird said. “Previous KPMG modelling has shown that overall economic welfare is improved if the GST base is expanded,
even if the rate is kept at 10 per cent and other ‘inefficient taxes’, like insurance taxes and stamp duties on motor vehicles, are abolished.” Per Capita’s annual tax survey found almost two-thirds of respondents want to see JobSeeker increased by at least $75 per week. Nearly a quarter believe the dole payment should remain at least at the increased rate provided through the coronavirus supplement of $275 a week. Just over half thought negative gearing should be restricted or abolished, while 57 per cent said there should be a cap on tax reductions for high income earners. Modelling conducted by the Australia Institute found men on high incomes would be the main beneficiaries if already-legislated tax cuts are brought forward as flagged by the federal government. The study found if the tax cuts scheduled from 2022/23 are introduced earlier, for every dollar of tax cut that women would get, men would get $2.28.
If at the same time tax cuts planned from 2024/25 are also brought forward, men would get $2.19 for every dollar a woman would get. Previous modelling by the institute showed higher earners would benefit more from these tax cuts, and are more likely to save the benefit than spend it. “Giving tax cuts to the wealthy will have a very limited stimulatory effect on the broader economy, but it will significantly widen the economic divide that already exists between men and women in this country,” the institute’s senior economist Matt Grudnoff said. There are several changes due in the 2022/23 tax cuts, including an increase in the threshold of the 32.5 cent bracket from $37,000 to $45,000 and the threshold of the 37 cent bracket from $90,000 to $120,000. In 2024/25, the tax cuts reduce the 32.5 cent rate to 30 cents. The Per Capita survey found just 13 per cent of voters think the distribution of the final stage of these cuts is about right.
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Australians Told to Work a Local Gap Year By Matt Coughlan (Australian Associated Press)
Young Australians could be given student debt discounts to work across regional Australia in a bid to plug critical labour shortages. An interim parliamentary committee report has floated the measure as part of a wider plan to address urgent needs across regional Australia. People on the dole should be able to stay on JobSeeker while performing lowpaid agricultural work, the committee said. The federal government is being urged to develop a “have a gap year at home” campaign to attract year 12s and university graduates to work in regional areas. The campaign should give consideration to a HECS/HELP discount and appeal to young people’s “patriotism” along with those who planned to take a year off overseas. The federal government should work with states and territories to recruit workers from Pacific nations under two labour schemes. The report recommends a raft of changes to the working holiday maker visa to be in place for the 12 months. Backpackers could count work in key industries across all regional areas towards a second or third year in the country. Travellers would be able to work in hospitality, tourism and other industries in all regional areas rather than just northern Australia. Working holiday makers should be able to work for the same employer for more than six months provided they are outside major cities.
Border movement exemptions would be in place in areas with high labour needs and no coronavirus cases.
of working holiday makers entering Australia would have on the upcoming harvest season.”
More financial incentives would be given for visa holders to work on farms.
Labor’s agriculture spokesman Joel Fitzgibbon said more needed to be done higher up the value chain to create interesting and sophisticated jobs for Australians.
International student graduates should be offered to stay in the country for an extra one or two years to work in critical industries in regional areas. Committee chair and Liberal MP Julian Leeser said the interim report was designed to help the government respond to urgent labour shortages. “During the course of the committee’s public hearings, it quickly emerged that a major shortage in agricultural labour is emerging,” he said. “Time after time, the submissions and witnesses to this inquiry told the committee about the effect that a lack
“COVID has highlighted our vulnerability on a number of fronts including our dependence on foreign labour,” he told the ABC. The report also recommends a oneoff payment to help with travel and accommodation costs to be paid after a certain period working in regional and rural areas. The committee wants a hotline established for working holiday makers to address exploitation concerns and workplace rights.
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As Victoria begins a phased approach to recovery, we are happy to share the first steps of Your Library’s roadmap to reopening: • Return Chutes will be open 24/7. • Click + Collect services are available • From Monday 5 October: Online Storytime will resume on weekdays at 11am • Zoom in for author Mark Brandi and Self Care with Annette Subhani More Info
Lynda Course Creativity: Generate Ideas in Greater Quality and Quantity. This Course challenges preconceived notions about creativity and provides valuable tools that will unlock this skill to help you generate better ideas faster. Let Stefan Mumaw help you identify and break down creativities obstacles, and lead you through a few short, fun exercises that build your creative muscles, while illuminating key points about your behaviour, experience, and perspective that might not have realised before. Learn now
You can collect your holds contact-free from all our libraries. When your holds become available please • Log in to your account to select a collection time, or • Phone your Library • Or 1300 737 277. Library staff are available Monday-Friday 9-am-5pm and Saturday morning 10am-12noon. Postal delivery is still available by request. More Info
New Books
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2020 TA • Super Contribution Age Limits To Change Members of regulated superannuation funds have no restrictions for making voluntary contributions prior to reaching 65 years of age. However, from 1 July 2020 changes to legislation and SIS regulations intend to increase the age limit to 67 years of age. The new legislation also extends the ability for members to make bring forward contributions, making more individuals eligible to make 3 years’ worth of contributions. The legislative and regulatory changes only relate to voluntary contributions, as employer contributions have different rules relating to individuals over the age of 65.
Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect
• Unpaid Present Entitlements and Extension of Repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan. 30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year. The PCG relates to arrangements in the 2017/18, 2018/19 and 2019/20 income years. The ATO has recently stated that the lodgement date for the 2018/19 income year is 5 June 2020. This extension is due to blanket extensions to tax returns issued by the Commissioner. Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009/10 income year.
Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect
• Victoria COVID-19 Package for Business Grants and Assistance Part of the Victorian economic stimulus package are grants and assistance for Victorian businesses. Registered businesses in the hospitality, tourism, accommodation, arts/entertainment and retail industries will receive tailored support. This is in the form of a grant, and specifically not a loan. Other measures announced include rent relief for businesses renting government premises, and banning of eviction for non-payment of commercial tenancies for six months.
Announced: 09-Apr-2020 Updated: 31-May-2020
• Victoria COVID-19 Package for State Taxes At the top of the Victorian economic stimulus package is a refund of payroll tax for small business. Effectively, the payroll tax threshold applies to Victorian entities with Australian taxable wages less than $3m for the 2019/20 income year. As well as the payroll tax refunds, other measures announced include deferral of certain land tax payments, and rent relief for landlords who provide rent reduction to their tenants adversely affected by the COVID-19 pandemic.
Announced: 20-Mar-2020 Updated: 29-May-2020
• SMSF Penalties for Underreported Expenses Legislated Non-arm’s length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-commercial benefit. This new law will strengthen rules which were previously only part of guidance released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to previous interpretations of tax and super regulations in relation to super fund borrowings. Draft ATO guidance has provided further situations where an SMSF may have underreported nonarm’s length expenditure, including where it may apply to all income.
Announcement (28-Jul-2019) Consultation (24-May-2018) Introduced (24-July-2019) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)
AX UPDATES • Instant Assets Stimulus Package for 2020 Purchase The instant asset write-off will be available for the majority of businesses during some part of the 2019/20 and 2020/21 income years. Between 12 March 2020 to 31 December 2020, businesses with up to $500m in turnover will get an instant asset write-off for assets first installed and ready for use under $150k. In the legislation, the update also extends to the low value pool. Where a small business pool has a closing balance of less than $150k will be able to write off the entire balance (also up from $30k). The Government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgement of the tax return.
Announcement (11-Mar-2020) Updated: 12-Jun-2020
• Testamentary Trust Minor’s Distribution to be Limited Minors may only receive concessional tax treatment on testamentary trust income that is derived directly from assets originally transferred from a deceased estate. This will take effect for assets transferred into a testamentary trust after 1 July 2019. The legislation provides trustees of a testamentary trust with a clear understanding of when minor’s income will not be taxed at regular rates. This is part of a crackdown on the misuse of testamentary trusts by some. This includes “injecting” unrelated property into the testamentary trust vehicle for tax minimisation purposes.
Announcement (18-Jun-2018) Consultation (30-Oct-2019) Introduced (05-Dec-2019) Passed (17-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (1-Jul-2019)
• Director Identification Number The Director Identification Number (DIN) regime has been passed by parliament and become law. Under the new law, all director of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A registrar is yet to be appointed (or created) to develop the regime. However, under the legislation it must be in effect within two years of Royal Assent, being 22 June 2022. If the registry is created prior to this time, we will receive notifications to the new start date.
Announcement (03-Dec-2019) Consultation (03-Dec-2019) Introduced (04-Dec-2019) Passed (12-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (22-Jun-2022)
• Large Forestry Holding Deemed Carrying on a Business A decision impact statement in response to the AAT ruling in SWPD and FCT was issued by the ATO. In the case, the taxpayer was held to have carried on a “forestry business” by holding onto a property with forests of native trees in it. This entitled the taxpayer to utilise the CGT small business concessions on sale of the property as it was an active asset. The ATO, through the decision impact statement, found that the Tribunal had correctly applied the legal test outlined in Spriggs v FCT. However, in their view the facts of the case are “extreme”. Along with other considerations, the Commissioner accepted that the taxpayer was indeed carrying on a forestry business.
Announcement (22-Jul-2020) Consultation Period Released
• JobKeeper Legacy Employers - Rulers and Obligations The JobKeeper Payment scheme has been extended from 28 September 2020 to 28 March 2021. As part of the extension, updated criteria exist for employers to qualify for the wage subsidy. Accompanying this extension and change in criteria, the Fair Work Act 2009 will also be amended, subject to legislation passing through the Senate. Part of the amendments deal with newly ineligible JobKeeper employers, to now be known as “legacy employers”. Legacy employers have the option to utilise modified JobKeeper enabling directions. These are changes to temporary allowances in the Fair Work Act 2009 to vary the working arrangements with staff. In particular, eligible legacy employers will have the option to negotiate stand down directions for employees that reduce their hours to 60% of regular pre-Coronavirus working hours.
Announcement (28-Aug-2020) Consultation Introduced (26-Aug-2019) Passed (1-Sep-2020) Royal Assent Date of Effect (28-Sep-2022)
OCTOBER 2020 | FIND KNOX
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OCTOBER 2020 REALESTATE
REALESTATE FIND AUSTRALIAâ&#x20AC;&#x2122;S #1 PLACE FOR PROPERTY
COMING SOON
HOUSE OF THE MONTH
COMING SOON Email: info@findnetwork.com.au
If you have questions, contact Warren on 1300 88 38 30 or email: editor@findknox.com.au OCTOBER 2020 | FIND KNOX
33
COMING SOON
RENTAL LISTING
Phone 5442 1122 84 Mitchell Street, Bendigo www.realestatewebsite.com.au
REAL ESTATE LOGO Need help with Real Estate? We are here for you.
RENT OFFERS LOCATION
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Want to Advertise your Rental Listings?
Contact: Warren Strybosch Phone: 1300 88 38 30
COMING SOON
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Agent: Real Estate Company Phone: Agent Name 1234 567 890
Agent: Real Estate Company Phone: Agent Name 1234 567 890
Open for inspection: By Appointment Domain ID: www.websitename.com.au
Open for inspection: By Appointment Domain ID: www.websitename.com.au
Lifestyle: Looking for a first home or quality investment? Consider this recent listing in Huntly from the sales team at Real Estate Company.
Lifestyle: A stately home with impeccable street appeal and streamlined interior. The property has been lovingly maintained by its present owner and is now available for those looking for an elegant, spacious home. Features: The tiled front entry opens to the formal lounge with bay window and main suite incorporating walk-in robe and suite. Three more bedrooms and the main bathroom occupy a seperate wing. At the heart of the home is an impressive open plan kitchen with
Features: In popular Viwepoint estates, this home was establised just five years ago and comes with a comprehensive builder warranty. The floor plan offers four bedrooms plus ensuite and family bathroom. Enjoy two living zones, a carpeted lounge as well as fully-tiled family space. Fitted robes, walk-in dressing
ceiling fans, climate control options, dishwasher and pantry storage are include. Undercover alfresco living, a double garage and secure Colorbond fences completed this 476-square-metre property in new residential area. Location: Viewpoint by Integra offers rural living on the urban fringe for families wanting relaxation and convenience. Huntly has local shops and schools, itâ&#x20AC;&#x2122;s a five-minute drive from Village Epsom.
timber cabinetry and corner walk-in pantry. The dining area overlooks the rear yard while the family room includes a concealed study nook. Glass sliding door provide access to the paved alfresco area. Also outside is a lovely backyard with sorrounding hefges. Location: A short walk to everything, such as Strath and Kennington Village Shopping Centre, cafe, medical pratice, Kennington Reservoir, schools, university and sporting facilities.
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OCTOBER 2020 | FIND KNOX
35
DISPLAY HOME DIRECTORY
COMING SOON
Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Block No. Lot No. Street, VIC 1234 568 75896
COMING SOON
emailaddress@gmail.com.au www.insertwebsite.com.au
Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Block No. Lot No. Street, VIC
COMING SOON
1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au
Looking to market your
Warren Strybosch
Building Company in
1300 88 38 30
Contact Warren for all of your advertising needs.
editor@findknox.com.au
COMING SOON
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OCTOBER 2020 | FIND KNOX
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OCTOBER 2020
REAL EST Agent Name: 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Agent Name: 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Agent Name: 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Agent Name: 1234 568 75896 emailaddress@gmail.com.au
COMING SOON
www.insertwebsite.com.au
Agent Name: 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au
COMING SOON
TATE AGENT
We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Knox. For listing enquiries call 1300 88 38 30 or email editor@findknox.com.au
OCTOBER 2020
Council Stands up for Victims of Child Sexual Abuse
Knox City Council has taken a firm stand in support of those who have experienced institutional child sexual abuse, by restricting access to Council funding and support for organisations that do not participate in the National Redress Scheme. In a unanimous vote, Council resolved that any organisation named by the Royal Commission into Institutional Responses to Child Sexual Abuse and not participating in the Scheme will be ineligible for Council grants and funding, as well as ineligible to access Council facilities, participate in community events or receive permit to distribute information on Council property. Mayor Nicole Seymour said the decision was an important, actionable step Council could make to show its support for the Scheme, and for those who have experienced institutional child sexual abuse. “Every person in our community has the right to feel safe, secure and respected. The Royal Commission showed that this basic standard has not been upheld in many groups and institutions, and that abuse continues to impact people’s lives and livelihoods to this day,” said Cr Seymour. “There is nothing we can do to erase the horrors that were inflicted on children across the state and here in Knox. But we can take action to validate their experiences and demand more from our local organisations in a tangible way.” “It is vital that we as Council not only stand in support of our fellow community members, but use our position of leadership to hold these groups accountable, ensure they do not receive our support to operate and express our position that not participating in the Scheme is not good enough.” The National Redress Scheme was created in response to recommendations by the Royal Commission and aims to hold institutions accountable for the sexual abuse inflicted on thousands of children within orphanages, children’s homes, schools, churches and religious organisations, sports clubs, hospitals, foster care and other institutions. Through the Scheme, people who have experienced institutional child sexual abuse can apply for redress and access other support services. Council’s decision follows the Australian Government’s announcement that organisations not participating in the Scheme will be ineligible to apply for Commonwealth funding.
OCTOBER 2020
PAYMENT ASSISTANCE EXTENDED Payment assistance measures for those experiencing financial hardship as a result of COVID-19 have been extended, to provide continued relief for households and businesses in Knox. Interest will not be charged on overdue fees and charges – including rates – until March 2021, a six-month extension on the original end date. New allowances for zero-payment plans, extended payment plans for rates and deferral of debt collection on overdue rates and charges have also been introduced to provide further relief. In addition, interest free periods will continue to be made available for all categories of rate payers, including commercial and industrial rates which were previously ineligible. Knox City Council Mayor, Cr Nicole Seymour said Council remained focused on providing thoughtful, flexible and timely support measures to the Knox community. “The COVID-19 pandemic continues to significantly disrupt our society and economy, and create great financial and social uncertainty,” said Cr Seymour. “Particularly given the impacts of Stage 4 restrictions, we unfortunately expect the demand for hardship arrangements to increase in the final months of 2020.” “We recognise the extraordinary challenge many in our community face and continue to prioritise programs and services that provide support where it is needed most. It is our goal that extending these provisions will reduce some pressure on those households and businesses who are experiencing true hardship as a result of the pandemic.” The Payment Assistance Policy introduced in March 2020 extended eligibility to encompass individuals and businesses, in an effort to address emerging consequences of the COVID-19 pandemic and its impact on the livelihoods of the Knox community. Rates notices for 2020-21 are expected to be mailed from Monday 7 September. Further information on rates assistance are available on Council’s website at www.knox.vic.gov.au/ratesassistance and those seeking help with other payments are encouraged to contact Customer Service on 9290 8000.
OCTOBER 2020 | FIND KNOX
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Are you Not-For-Profit in Knox Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to editor@findknox.com.au and we will place it in the paper for FREE.
Knox
SUPPORT YOUR LOCAL NOT-FOR-PROFIT
CACHE BEGIN YOUR FIRST ADVENTURE IN FIND KNOX
1 2 3 4
SEEK
AND YOU WILL
CACHE
WATCH AND READ THE CLUES
Find a cache
share you exprience
Each month we will provide clues in the location of the Find Cache.
Once you found the Cache please notify us.
The winner will be published in the next Find Maroondah.
CACHE
ABOUT FIND CACHE Each month we will be hiding a Cache of items around the Knox area. Your job is to discover where the cache is hidden. The first person to find the container of items gets to keep it. Each week we will place a clue on the Find Knox Facebook page to help you locate the cache of goodies. Make sure you Follow and Like the facebook page (www.facebook.com/findknoxshire)
WHAT’S IN THE FIRST FIND CACHE
Due to COVID-19 restrictions we cannot start the Find Cache for this month’s edition.
OCTOBER 2020 | FIND KNOX
45
Knox
5 Kids Lunches that won’t get left behind We all know oh so well how fussy kids can be when it comes to eating, and there’s nothing more frustrating than preparing lunch for your child, only to have half of it left on the plate. Here are 5 lunch ideas to satisfy even the fussiest of eaters whether they’re at school or at home. 1. Healthy homemade pizza If your child is tired of sandwiches, give this simple homemade pizza a try! Pick up some bagels or English muffins from Coles, slice them in half and load each side up with tasty toppings. Start with tomato or pizza sauce paste, add shredded ham, sliced cherry tomatoes, and of course, a handful of cheese! Pick up the freshest ingredients from Coles or MarketPlace Fresh. Once you have your toppings sorted, simply place your pizza into the oven for approximately 15 minutes on 180°C. Image credit: @colessupermarkets
2. Rainbow Beef Burritos Half the battle when getting kids to eat their lunch, is making the food and ideally, veggies look fun. Your little one will love these rainbow beef burritos packed with colourful vegetables, different textures and loads of flavour. Start off by lightly pan frying some beef strips and allow to cool. Place pita bread flat, add thin strips of sliced capsicum, shredded carrot, lettuce, a drizzle of mayonnaise and beef strips. Roll it up and cut in half to make it easy for little hands to handle. Shop the freshest ingredients from Coles or MarketPlace Fresh. Image credit: @bakersdelight
3. Bread-sushi Give the classic sandwich a simple makeover by rolling your bread slices into tasty ‘sushi’ rolls. All you’ll need is a fresh loaf of bread from Baker’s Delight, and your choice of fillings. It really is as simple as it looks! Start by cutting the crust off and using a rolling pin, gently roll out the bread, stretching it ever so slightly. Our go-to fillings are cheese, ham, baby spinach, finished off with a piece of sliced tomato. Roll up your creation and you’ve got yourself a quick and easy sushi style sandwich. Pick up your ingredients from Coles or MarketPlace Fresh. Image credit: www.woolworths.com.au
5. The Classic Roll Sometimes you just can’t beat a classic! It all starts with the perfect bun. Pick up a bag of freshly baked rolls from Baker’s Delight.Slice the roll in half, or better yet, cut through twice for a triple decker sensation. Spread a thin layer of butter or avocado and layer with your favourite fillings. Nothing beats crispy lettuce, grated carrot and roast chicken. All of which you can find from Coles or MarketPlace Fresh.
Image credit: @bakersdelight
Looking for something to keep their bellies topped up until lunch is ready? Why not pick up a little snack like some freshly roasted nuts from <insert Charlesworth Nuts, Go Vita or nut retailer> while you’re at it. They are healthy, nutritious and delicious! No matter what your kids prefer, there’s bound to be an option to suit their taste. Explore more recipes here
www.findmaroondah.com.au
RETIREMENT
ACCOMMODATION
LIFESTYLE
RETIREMENT ADVICE
info@findretirement.com.au
findretirement.com.au 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.
OCTOBER 2020 | FIND MAROONDAH
47
PAGE
PROFESSIONAL SERVICES
PROFESSIONAL SERVICES Special Tax Return Offer
$99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.
Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.
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Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation
INDEX
CANOPY FINANCIAL GROUP
PROFESSIONAL SERVICES • • • • • • • • • • • • •
Find Accountant Financial Planning Architect Editor|Copywriter Solution Based Coaching Bookkeeping Find Wealth Minuteman Press Computer Repairs/ Services Marketing Consultant Garage Doors Mortgage Brokering Photography
Explore how we can help you achieve your Financial Goals SERVICES WE OFFER Business Advice
Centrelink
Aged Care
Financial Planning
Property
SMSF Advice and Administration
Tax Planning
Share Portfolio Management
Retirement
Finance and Debt Manangement
Investments Superannuation Risk Insurance
CONTACT US mari@canopyfg.com.au www.canopyfg.com.au
0415 658 611
KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love
SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES
SCOPE OF SERVICES
1. Feasibility Studies
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• Construction Documentation
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• Building Permit Submission
3. Design and Document
• Design Development • Contract Administration
4. Full service package (and more)
• Town Planning
• 3D Imagery
CONTACT US +61 426 188 744
PO Box 233 Eltham VIC 3095
contact@kirarchitecture.com
www.kirachitecture.com
KATHY ISMAIL ARCHITECT
PAGE
PROFESSIONAL SERVICES
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SERVICES • Book Editing • Indexing • Memoirs and Life Stories • Editing and Proofreading
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• Business Content Services
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Save Your Time & Grow Your Business CONTACT US
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Sum and Substance Bookkeeping,
• New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up • Virtual CFO • Training and Webinar • Small and Medium Size Business Owners • Setup, Training & Review • Phone and Email Support • Payroll • Bookkeeping
Training and VCFO services Neha Nayyar - Director 9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095 Office: (03) 9424 9447 Neha: 0401 409 573 Email: info@sumsubstance.com.au Website: www.sumsubstance.com.au
OCTOBER 2020 | FIND KNOX
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OCTOBER 2020 | FIND KNOX
51
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 advertise@findknox.com.au
INDEX PROFESSIONAL SERVICES • Garage Doors • Builder • Electrician • Painter • Plasterer • Property Maintenance
ADVERTISE HERE
We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas A Garage Door Specialist you can Trust
Trustworthy 24/7 Garage Door Installation
Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call. • Roller garage doors • Security garage doors • Electric garage doors • Wooden garage doors • Garage door locks • Up and over garage doors
We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure. Not only that, but we are available 24 hours a day, 7 days a week. Contact us with you garage door emergencies at any time of the day or night. Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED
CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au
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INDEX PROFESSIONAL SERVICES • Specialist Tree Services • Interior Design • Mowing • Building Inspection • Nursey • Flooring
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HEALTH & BEAUTY
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INDEX PROFESSIONAL SERVICES • • • • • •
Lactation Consultant Hair Dresser Chiropractor Beauty Therapy Gym Massage Therapy
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
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SPORTS
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SPORTS
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