WHAT’S INSIDE: 04 LOCAL STORIES 14 COLUMNIST ARTICLES 20 TAX UPDATES 24 KNOX COUNCIL NEWS 22 44 FIND REALCOUPONSESTATE-RENTAL LISTINGS SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX 42 40 26 FIND BIRTH, DEATHS, & MARRIAGES FIND NOT-FOR-PROFITSFAITH EVENTS & ARTICLES MarkMogato info@findaccountant.com.au | www.findaccountant.com.au PLATINUM SPONSOR SEPTEMBER0418GeneralCRAIGSPONSORANDERSONInsurance300096 Knox SEPTEMBER 2022The sales@heightsafetyinsurancebrokers.com.auwww.heightsafetyinsurancebrokers.com.auwww.findknox.com.au
ALL KNOX Aboriginal and Torres Strait Islander people continue to play within our community.
THINGS
your
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
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anything written herein. ADVERTISING RATES (INCLUDE GST) Double Page Spread: (283 x 406mm): $1650.00 Full Page: (283 x 196mm): $1100 Half Page Landscape: (134 x 196mm): $715 Half Page Portrait: (280 x 95mm): $ 715 Third Page: (90 x 197mm): $550 Quarter Page: (139 x 96mm): $440 or Business Card Sized: (53 x 98): $121 (106.67mm x 253.87mm horizontal): $396 Design Services: We can create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter. NEXT ISSUE Next Issue of the Find Knox will be published on Friday October 7, 2022. Advertising and Editorial copy closes Monday October 3, 2022. PAINTING AND DECORATING Are you our Solicitor?nextAre you our Plumber?nextAre you our Electrician?next Are you our Bookkeeper?next Are you our next Finance Broker? Are you our Architect?next Are you our next Life Coach? Are you our next Mortage Broker? Are you our Electrician?next Are you our next Travel Agent? Are you our Marketer?nextAre you our next Painting & Decorating? Are you our next Writer???? ? ?FACILITATOR?Are you our Facilitator?next? ? ?? ?? ? ?
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 personal financial situation, health and/or wellbeing. We recommend seek on
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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT WARREN STRYBOSCH GENERAL INSURANCE CRAIG ANDERSON WRITER BOOKKEEPER ARCHITECT MORTGAGE BROKER ELECTRICIAN FINANCE BROKER LIFE COACH SOLICITORPLUMBING MARKETING ELECTRICAL OPERATIONS TRAVEL AGENT Knox The EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findknox.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findknox.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@findknox.com.au WEBSITE: www.findknox.com.au OUR NEWSPAPER The Find Knox was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Knox has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.
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Follow us on facebook (https://www. facebook.com/findknox) so you keep up to date with what we are doing.
“The Meals on Wheels service enables both vulnerable Australians and volunteers to remain connected to their communities at a time where it is needed most,” she Increasingly,said.policy makers are taking into account the social outcomes of Australians, with Treasurer Jim Chalmers set to unveil the country’s first wellbeing budget later this year. Associated Press)
Ms McDonald, 76, said her interactions with her customers are the “highlight of their “Mealsday”.on
(Australian
Susan McDonald enjoyed an illustrious career cooking for the likes of Queen Elizabeth and Julia Gillard.
The Find Knox is a community paper that aims to support all things Knox. We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Knox for Free.
Wheels Australia President Sharyn Broer said the last two years had caused unprecedented levels of loneliness and isolation.
But she gets her greatest satisfaction delivering food to vulnerable members of her community while volunteering with Meals on Wheels.
the better customers knew their volunteers, the higher the level of wellbeing they reported.
Australians, especially the elderly, remain socially engaged and connected to the community, increasing their wellbeing.
We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.
AboutStrybosch the Find Knox
Lastly, we want to ask you, the local community, to support the fundraising
Wheels volunteers deliver more than a meal – we also provide essential wellbeing checks which allow older Australians to maintain their independence.”
One big ‘key’ to lonelinesssolvingcrisis
By Warren
We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.
We value your support, The Find Knox Team.
Lasting connections are especially important for older Australians who are most at risk from experiencing social Mealsisolation.on
She urged Australians to volunteer both for their own benefit and to give back to their community.
initiatives that we will be developing and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate.
vulnerable
We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.
Her experience backs up a new report from consultancy firm Huber Social, which finds people who help others are also helping Volunteeringthemselves.ensures
Volunteering has enabled her to make valued social connections with both customers and fellow volunteers, with her new friendships extending beyond the Meals on Wheels kitchen.
Jacob Shteyman
The report, released ahead of National Meals on Wheels Day on Wednesday, found the group’s volunteers had 10 per cent higher wellbeing than the broader Itpopulation.alsofound
To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.
The agricultural competitions are the heart of the Melbourne Royal Show. The Kubota Australia Livestock Pavilion is a hive of activity throughout the Show with different animals competing every single day, so head there to cheer on the champions!
Are you wondering "how am I going to see EVERYTHING at the show this year?" Wonder no more because the daily program has arrived!
As you browse the Melbourne Royal Show website you can add events to your favourites, and get a custom itinerary for the day you want to visit.
PURCHASE YOUR TICKERST
4 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
Tickets are only available for purchase online this year - head to royalshow.com.au to plan ahead and make your ticket purchase Tickets
Show plans sorted
Where do else do you want to be but in a space filled with fluffy, cuddly, adorable baby animals? The animal nursery is a cuteness overload. Get up close to baby goats, lambs, ducklings, chooks and more. Buy a cup of feed to hand-feed the animals and chat to the farmer to learn about how the animals are cared for and raised back home on their PURAfarm.
With all kids aged 14 years and under free, this year's show is even greater value.
Animals on Show
Come and explore this new family friendly farm-themed precinct. full of free activities for the whole family, it's not to be missed. Be sure to snap a pic in front of the amazing hay bale animals, get stuck into digging for veggies!
Greattoday.Value
With lots of events already up and more being added daily leading up to this year's Show, it's time to plan your day!
PLAN YOUR DAY!
Pentavite Junior Harvest Journey
Animal Nursery
MELBOURNE ROYAL SHOW - THE SHOW IS BACK! HERE!
Try your hand at the milking experience at the PURA Pavilion. Meet some friendly Jersey cows, learn a new skill and find out more about life on a dairy farm!
Milking Experience
LEARN MORE IT's HAPPY Time
Go Behind The Scenes
Get creative and take home your on handmade Show memento from the Spotlight Makers Space in the Spotlight Makers Pavilion. Try a range of art ad craft activities with the help of talented makers.
elbourne based printmaker Jackie Jackson from Jax Studio Melbourne, takes up residency in the Spotlight Makers Pavilion. She will work on a variety of pieces and be on hand to answer an6 creative questions you may have! Add this must-see event to your favourites using the Daily Program!
MeetShow.Local Heroes
Meet local heroes in the 9News Lifestyle & Local Heroes Pavilion at the 2022 Melbourne Royal Show. Don't miss the familyfriendly activities from Fire Rescue Victoria and Victoria State Emergency Service, as well as free education activities for children. Learn more about railway safety with Metro Trains as they set up on of their very own carriages.
It's CREATE time!
Spotlight Create Space
Artist In Residence
IT'S FUN TIME
IT'S CRAFTING TIME
www.findknox.com.au 5SEPTEMBER 2022 | FIND KNOX 5SEPTEMBER 2022 | FIND KNOX
Ever wonder what it takes to present the news each night? This is your chance to sit in the main chair and record your own 9News bulletin. Are you a fan of the block? Take a photo at Block HQ and have a crack at building your very own block house. Don’t miss all the action at the Channel 9 site, located in the 9News Lifestyle & Local Heroes Pavilion, from 10am to 6pm daily during the 2022 Melbourne Royal
LEARN MORE
6 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
Our Donate Blood app is app-solutely easiest way to manage your appointments!
the
Scan the code below with your smart phone to download the Donate Blood app from your device’s app store.
give blood
Donate Blood App
www.findknox.com.au 7SEPTEMBER 2022 | FIND KNOX 7SEPTEMBER 2022 | FIND KNOX
13 14 95
• you weigh at least 50 kg you’ve got your photo ID, donor card or the Donate Blood app
December 2020
If you start to feel unwell, or if you’re worried about anything at all, don’t hesitate to give us a call on 13 14 95
Unsure if you can give blood?
2. Before we get going, you’ll be asked to have two more glasses of water and we’ll give you some information on easy muscle tensing exercises that can help stop you feeling faint during your donation.
Straight after you donate
Don’t worry, you’re in safe hands. But so you know what to expect, here’s a walk-through of what’s involved:
You’ll have done something genuinely life-saving and we hope you’ll be feeling great about it. However, it’s really important to relax, refresh and follow our advice.
You’ll need to stay at the donor centre for at least 20 minutes (even if you feel fine). It’s a great time catch up on some reading, listen to music, or make the most of our free Wi-Fi.
After you’ve left the donor centre
• keep the bandage on your arm, and • stay hydrated.
Let us know how you go
Can I donate?
Learn how blood donation makes a genuine difference
Your guide to giving life
What happens on the day?
• Rest in the chair for five minutes and, when you’re ready, sit up with your legs dangling over the edge. Take a seat in our refreshment area. It’s important to rehydrate and have something to eat, so help yourself to a cool drink and a savoury snack.
1. When you arrive, you’ll need to complete our Donor Questionnaire. It’s totally confidential and designed to protect you and the person who receives your blood.
8 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
What it means to give blood
There is a chance that you’ll get a bruise or feel faint after your donation. To help stop this from happening, be sure to follow the advice below.
• you’ve had at least 750 mL (3 large glasses) of fluids in the 3 hours before your donation you’ve completed the Donor Questionnaire and met any eligibility criteria, and
There are some cases where we may have to re-schedule. Like, if you take certain medication, you’re pregnant, you’ve travelled recently, you’ve had dental treatment in the last week, or you’ve had a tattoo in the past 4 months. However, if the tattoo was done on licensed or regulated premises in Australia (like a commercial tattoo parlour or a cosmetic clinic) and is healing well, you can book in to donate plasma instead.
• you’re aged 18–75, if it’s your first time (you can be older than 75 if you’ve donated in Australia before) you feel fit and healthy, and don’t have a cold, flu or any other illness
• stay cool — avoid hot showers, sitting or standing in the direct sun and choose cold drinks rather than hot drinks, and
You should be good to give if:
To do the most good, every donation needs to be as safe as possible for the donor and the person receiving it.
For at least 12 hours
• you’ve been assessed at the blood donor centre (we’ll check you have suitable veins and haemoglobin levels).
4. You’ll be with us for about an hour, but the actual giving process takes just 15 minutes (sometimes less!). Our team will be on hand to help the whole way through, so if you’re feeling unwell or uncomfortable, let someone know straight away.
For at least 8 hours: don’t do any heavy lifting drink plenty of water (at least another three large glasses) eat regular meals don’t stand up for long periods
An introduction to blood donation
• don’t drink alcohol.
Avoid strenuous exercise (e.g. riding, jogging, or going to the gym) or hazardous activities, including activities or jobs where public safety may be affected. You should check any employment or safety requirements you have. If unsure, please ask us at your interview.
Find out more at donateblood.com.au or give us a call on 13 14 95
For the next 2 hours:
Giving blood has got to be one of the most rewarding things you can do to help another person — there’s no other feeling like it.
Donated blood can be used in many life-giving ways. The person receiving it could have cancer, be going through a difficult pregnancy, or they could be someone who relies on regular transfusions to live a healthy, happy life — or even to live.
3. You’ll then have a private, confidential interview with a trained staff member and we’ll check your haemoglobin level (a protein that carries oxygen around your body and contains iron) and take your blood pressure. If it’s your first time donating, we’ll also ask for your height and weight. Safety is our top priority, so these health checks are for everyone.
• on the day before your donation, you’ve had 8 glasses of fluid if you’re a woman and 10 glasses if you’re a man, as well as plenty to eat
WheretypesPercentageslearn/about-blooddonateblood.com.au/ofbloodinAustraliaRemember,everydonationgiveslife.So,whatevertypeyougive,someoneouttherewillbetrulygrateful.canIgiveblood?
• 2% road incidents and trauma
We use brand new equipment for every donation — that includes the needle, tubing and bags.
into
• 10% fractures and joint replacements
O- 9% O+ 40% A+ 31% A- 7% B+ 8% B- 2% AB+ 2% AB- 1% O-9% A+31% O+40% A-7% B+8%B- AB+ AB13 14 95 give blood December 2020
many different life-giving medical treatments — with a third of all donated red cells going to people fighting cancer.
We work hard to protect the people receiving your blood and test every donation for blood type as well as HIV, human t-lymphotropic virus (HTLV), syphilis and hepatitis B and C. Remember, we’re testing to protect the people who receive your blood donation. We’ll tell you if we find anything, but for your personal health, you need to get checked by a doctor.
• 18% heart surgery and severe burns
• 4% help pregnant women, new mothers and young children
Treats serious bleeding, often in patients with leukaemia and other cancers.
We’ll always check that you have enough haemoglobin to give before you donate. However, this test is different to checking your iron levels (you can have normal haemoglobin but low iron), so if you’re worried, speak to your doctor before donating.
Some blood types are more compatible than others, and some are universal, like O negative. Because it can help people with any blood type, O neg can save the day when there’s no time, or it isn’t possible, to find out a patient’s blood type — like in a life-threatening Learnemergency.more
An introduction to blood donation
Over time, giving blood can contribute to low iron levels, so we’ve put together some helpful tips on replacing your iron at donateblood.com.au/iron-health
What do we test for?
about your blood type and how it can help at
Your guide to giving life
Most people give less than 10% of their blood volume in one donation, which is usually replenished in just two days. But, because it takes longer to replace the iron in your blood, you’ll need to wait 12 weeks before you can give again.
Red cells
Plasma
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Donating blood is a very safe process
When someone is given blood (called a transfusion), it’s best to give them the same blood type as their own.
To find your nearest donor centre, book a donation, or learn more about giving blood, get in touch on 13 14 95 or head to donateblood.com.au
• 13% heart, stomach and kidney diseases
One Yourdoesdonationwondersbloodcanbemade
Platelets
After you give blood, your body needs iron to help replace the haemoglobin and red cells you give in your donation.
Does my blood type matter?
Used in 18 life-giving ways, including: Protecting people with immune againstProtectingTreatingProtectingdeficienciesagainsttetanusbraindisordersnewbornsRhdisease
• 34% cancer and blood diseases
Each blood donation you make is separated into three parts, each used in different ways.
• 19% anaemia
Women aged 18–45 are especially susceptible to becoming low in iron, which is why we recommend a short course of iron supplements after each donation. For more about looking after your iron levels, head to com.au/iron-health-womendonateblood.
asked if the Nationals would consider backing legislating climate targets, leader David Littleproud said the path to net-zero was not a “linear one” and said his party would consider the advancement of new technologies.
“From sustainable farming to Indigenous rangers caring for country to accountants helping businesses understand their reliance on nature, caring for nature generates abundant Thejobs.”government has already moved to enshrine a 43 per cent emissions reduction target by 2030, with its climate bill passing the lower house.
“Australia’sreached.
“While the impact of this neglect can’t be turned around overnight, the Albanese government is getting on with the job of creating the market signals and reforms necessary for a booming Australian economy on a trajectory to net-zero by When2050.”
The figures represented the last full quarter before a change of federal Mrgovernment.Bowensaid the figures were not
Mr Littleproud said Australia had lived up to “every international commitment” it had made on climate change action.
“We’re going to need a national energy plan and a national exports plan that align with net zero, co-investment to accelerate clean exports and a transition authority to make sure the transition is fast and fair.”
Ms O’Shanassy said there were economic advantages from climate change solutions.
Climate Change Minister Chris Bowen insists Australia is now on a track to reduce emissions following a change of government, after new figures showed a rise in greenhouse gases.
Andrew Brown and Tess Ikonomou (Australian Associated Press)
recession could only interrupt the LNP’s decade of climate policy neglect for so long,” he said.
small scale modular nuclear, about reducing emissions in our energy sector,” he said.
chief executive Kelly O’Shanassy, who is speaking at the event, said the summit would be an opportunity to examine how jobs would look with a bigger focus on “Ourclimate.greatest contribution to a net zero world would be to rapidly transition our exports from dirty to clean,” she said.
Australianadvocates.Conservation Foundation
The panel is expected to include energy sector representatives and climate action
Opportunities for the workforce from increased climate action and clean energy are set to be a focus of the government’s two-day jobs and skills summit, which starts on Thursday.
The first day of the program will include a panel discussion on climate change jobs and skills, and is expected to include a virtual address from Mr Bowen.
“The job opportunities are not limited to tackling the climate crisis. Australia also faces an extinction crisis. Looking after nature generates jobs, especially in rural Australia,” she said.
Data shows rise in Australian emissions
“2030 is only 88 months away, and the Albanese government will continue to work hard with industry, the states and territories and the broader community, to turn this ship around.”
“Evensurprising.aglobal
“That’s why we took the pragmatic step of wanting to have a discussion about
The latest update of Australia’s National Greenhouse Gas Inventory saw emissions rise 1.5 per cent in the year to March 2022.
greenhouse gas emissions are now at 21.6 per cent below June 2005 levels, the base year for our 2030 Paris Agreement target,” he said.
10 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
Mr Bowen said more work needed to be done in order for emissions targets to be
It is important as consumers to ask the following questions of the advisors you sit down with:
Of those who have passed so far:
The pass rate of the FASEA exam has been on a downward trend since the inaugural sitting in June 2019 which had 90 per cent of 579 candidates pass. That dropped down to 79 per cent in April 2020 (the first to include remote proctoring), 69 per cent in May 2021, and only 328 candidates (52 per cent) passed in July and August exams.
“ForOctober.financial
• Over 15,800 are recorded as current financial advisers on ASIC’s Financial Adviser Register (FAR), representing 95% of current advisers on the FAR.
• Over 2,500 are ceased advisers on the FAR and may be re-authorised in the future.
• Over 3,300 unsuccessful candidates have re-sat the exam, with 74% passing at a re-sit.
“If your licensee does not cease your authorisation on or before 30 September 2022, it will cease by operation of the law and you will no longer be able to provide personal advice. To become re-authorised and re-commence providing personal advice you will need to complete a professional year and
www.findknox.com.au 11SEPTEMBER 2022 | FIND KNOX 11SEPTEMBER 2022 | FIND KNOX
obtain an approved degree in addition to passing the exam.”
ASIC confirmed that 76 per cent of the candidates were resitting the exam for at least the second time.
By Warren Strybosch
“If your licensee ceases your authorisation on or before 30 September 2022, you will still need to pass the exam before you can become re-authorised and re-commence providing personal advice. However, you will not need to complete a professional year and you will have until 1 January 2026 to obtain an approved degree.
1. Have you passed the FASEA exam?
If the advisor has not passed the exam and is not likely to meet their education requirements by 2026, then you need to consider whether they are the right advisor you want to be dealing with. Otherwise, you might start off with the first advisor only to find you have no choice but to move onto another advisor. This is not an ideal situation for anyone especially retirees. Also, moving to another advisor might require you to start all over again and who wants to pay all those initial fees again?
Has your Financial Advisor passed their Exam? If not, they CANNOT provide advice from October 2022 onwards until they meet new requirements
2. Have you completed your education requirements or are on track to do so?
new laws that was introduced for all financial advisors, existing as well as those entering the financial planning industry, was to sit the FASEA exam. Since the introduction of the exam and the requirement to update financial planning qualifications from a diploma to at least a bachelor standard, the profession as seen a increase in the numbers of those leaving. No longer is this a place for salespeople.
Financial Adviser Standards and Ethics Authority (FASEA) is a Commonwealth entity that was established in April 2017 to set standards for the ethical conduct, educational qualifications and ongoing training of licensed financial advisers in OneAustralia.ofthe
advisers who are eligible for the exam extension, but have not passed the exam in 2022, there is an opportunity for you to take steps with your Australian financial service (AFS) licensee to limit the effect of this outcome,” ASIC said in a statement.
Note: Currently, you cannot view who has or has not passed the FASEA exam. All you can do is check the ASIC website to see if the advisor is still registered as a financial planner. Go to asic.gov.au and selecting the ‘Professional Registers’ on the right. You then type in the Surname of the advisor and choose the appropriate registry e.g., Australian Financial Services Authorised Representative (example Theprovided).latestsitting was the last opportunity for advisers who are operating under the nine-month exam extension to pass the exam. From 1 October 2022, all financial advisers must have passed the exam to continue to provide personal advice.
ASIC has confirmed anyone eligible for the extension who has not passed in any of the three cycles this year will not be able to provide personal advice from 1
• Over 700 were new to the industry.
At Find Wealth, all our advisors have passed their FASEA exam and either have completed all their studies or will have well before the 2026 deadline. You can have peace of mind when dealing with Find Wealth that you won’t have to start all over again.
12 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au Find Aged Care Services is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.Areyouan established and experienced Financial Planner providing Aged Care Advice? Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services
Why Women’s Health Week?
The first-time failure was the Westpac Group Plan MySuper Retirement Wrap.
product, the BT Super MySuper Retirement Wrap and the AMG Super, AMG MySuper product.
Every September, for one week, Women’s Health Week is a reminder to set aside time for your health and wellbeing. Make an appointment for a health check, get active, join an event or simply connect with other women. You don't have to do it alone.
What's involved?
Then, on each day of Women’s Health Week, we focus on an important women’s health topic.
You’ll receive a daily email with videos, recipes, quizzes, articles and tools to help you unlock your own powers for good health. All the health information we produce is based on research and reviewed by our expert medical team.
Health Week. Thousands of women across Australia subscribed to take part in a week of events and online activities, learning more their Nowhealth.in
its 10th year, Women's Health Week is a celebration of women in Australia, women from all walks of life. In 2021 (despite a second year impacted by lockdowns and restrictions), more than 128,000 women participated in 2277 events, over 54,000 women subscribed to the online campaign and we reached over 3.6 million people via social media.
The number of failures is lower than was expected from the performance test, the criteria for which is now subject to review by Treasury.
We are proud that Women's Health Week attracts the support of organisations, high profile ambassadors, businesses, community, sporting and media groups across the country.
If you are a member of one of the above superannuation funds who is approaching retirement, we encourage to you speak to Warren Strybosch of Find Wealth t/a Find Retirement. Warren is a retirement planning specialist who has one of the best superannuation offerings in Australia especially when it comes to fees. He has helped preretirees and retirees save thousands in fees each year without sacrificing on service and advice.
time failures are the Australian Catholic Superannuation and Retirement Fund Lifetimeone product, the Energy Industries Super Scheme-PoolA Balanced (MySuper)
The four funds which failed a second time are therefore no longer able to recruit new Themembers.second
Women, communities and workplaces are encouraged to get involved by hosting an event, sharing the health information and encouraging women, girls and gender diverse people from all corners of Australia to put good health first.
5-11 September 2022 Contact Us 03
In the lead up to the week, you’ll receive helpful information on how you can participate. Either getting together with friends, community and colleagues or maybe hosting an online event.
In 2013, realising that there was no event dedicated to women's health in Australia, Jean Hailes for Women's Health ran the very first national Women's
Jean Hailes Women’s Health Week is a week dedicated to all women across Australia to make good health a priority.
www.findknox.com.au 13SEPTEMBER 2022 | FIND KNOX 13SEPTEMBER 2022 | FIND KNOX
About
Women's Health Week is recognised as the biggest week for women’s health and wellbeing in Australia and takes place annually in the first week of September. 9453 whw@jeanhailes.org.au8999
Four Super Funds Fail For The Second Time In A Row
It's all about you
The Australian Prudential Regulation Authority (APRA) announced today the five funds that failed included four which had failed for a second time.
APRA have announced that Five superannuation products have failed the latest superannuation funds’ performance test, with four of them doing it for the second time in a row.
Women's Health Week is a nation-wide campaign of events and online activities – all centred on improving women's health and helping you to make healthier choices.
You can call Warren Strybosch, one of Australians most reputable financial planners, on 1300 88 38 30
Most employers choose to remit the SGC on a quarterly basis when they do their BAS however some employers will pay it monthly or even fortnightly.
Current SG rate
For most people who retire in the next 20 to 30 years, their superannuation balance will likely be their largest asset, apart from the family home, and provide an income stream for them in retirement. Will ever increasing uncertainty regarding the age pension, it will be an important asset to have.
Thechoice.government
aged under 18, or those classified as a private or domestic worker (like a nanny), must work for their employer more than 30 hours per week to qualify for SG payments.
is eligible to receive SG contributions?
14 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
By Warren Strybosch
Currently the SG rate is 10.5% and increasing over time until it reaches 12%. SG payments is paid as a percentage of an employee’s salary and wages or ordinary time earnings (OTE). Ordinary time earnings (OTE) is the amount your employees earn for their ordinary hours of work. It generally includes leave (annual, sick or long service), commissions, allowances and shift loadings, but doesn’t include overtime payments.
If you are a full-time, part-time or casual employee, and over 18 years of age, you are Employeeseligible.
is not required to make SG contributions if you are a non-Australian resident and are paid to do work outside Australia, are an Australian resident but paid by a non-resident employer for work done outside the country, a senior
Superannuation Guarantee rate: 2002 to 2026Who
introduced mandatory 3 per cent contributions (or 4 per cent for employers where their payroll was above $1 million) into an employee’s superannuation fund. In the early days, the employer would set up the superannuation fund on behalf of the employee, whereas now the employee can choose their own superannuation fund and provide that information to the employer. The employer ‘must’ place the SGC into the employee’s superannuation fund if the employee so directs.
SGC is an important part of every person’s financial position. It represents, for most people, the key asset they will have leading into retirement. As such, it is important to understand if you are entitled to it, if your employer should be paying it and how much you should be
the rules around SGC were made a little simpler, with most employees able to receive it.
Temporary residents are also entitled to receive SG payments into their super Youraccount.employer
There is no minimum amount you have to earn. Prior to 1st July 2022, you had to earn more than $450 per month to be eligible. This has now been removed.
SG contributions is a legislative requirement that all employers must pay to most employees. It is contribution of money, paid by the employer, on top of the employee’s salary or wages, into the employee’s superannuation account of
Period Super guarantee rate 1 July 2002 - 30 June 2013 10.00%9.50%9.25%9.00% 10.50% 12.00%11.50%11.00% 1 July 2013 - 30 June 2014 1 July 2014 - 30 June 2021 1 July 2021 - 30 June 2022 1 July 2022 - 30 June 2023 1 July 2023 - 30 June 2024 1 July 2024 - 30 June 2025 1 July 2025 - 30 June 2026 and onwards Contributions:GuaranteeSuperannuation Who should be receiving it?
Thankfully,receiving.
The Superannuation Guarantee contributions (SGC) have increased since 1st July 2022. However, there are many employers who don’t know what the correct amount is that they should be paying and who should be getting SGC.
ACCOUNTANT
(Source: ato.gov.au)
Superannuation Guarantee: What is it?
Fromstandard.1October
If you’re a trustee of a Self-Managed Super Fund (SMSF) it is important to make sure all members of the SMSF are receiving their required SG contributions and they are being allocated correctly.
Exemptions
Find Group
Warren Strybosch
WARREN STRYBOSCH
The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates acroos Victoria.
The MSCB for 2022–23 is $60,220 per quarter ($240,880 per year), which equals a maximum SG contribution by your employer of $6,323 per quarter ($25,292 per year).
2021, you can only rollover into or out of your SMSF using ForSuperStream.SuperStream, you will need:
If you are employed by your family business and your super guarantee contributions go to your SMSF, these related-party employer contributions are exempt from the SuperStream standard.
foreign executive on certain visas, or temporarily working in Australia for an overseas employer and are covered by super provisions in a bilateral social security agreement.
All SMSF must now be registered via SuperStream. Self-managed super funds (SMSFs) must be able to receive employer contributions and the associated data electronically using the SuperStream
• an Australian business number (ABN), and
You can call them on 1300 88 38 30 or email requireaward-winningAtmembers.contributionsSuperStreamwww.findaccountant.com.auinfo@findaccountant.com.audoesn’tapplytopersonalmadetoyourSMSFbyitsFindAccountant,weprovideSMSFtaxadvice.Oursenioraccountantisalsoanfinancialadvisor.IfyouSMSFadviceorareconsideringwhetherornottowindupyourSMSF,thenspeaktoWarrenStryboschatFindAccountantPtyLtd.
The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.
• an electronic service address (ESA) – you can get an ESA from an SMSF messaging provider
Is there a limit on the SG contribution I can receive?
www.findknox.com.au 15SEPTEMBER 2022 | FIND KNOX 15SEPTEMBER 2022 | FIND KNOX
• to ensure your SMSF’s details held by the ATO are up to date, including your SMSF’s unique bank account.
The current SG contribution rate is 10.5% of your gross earnings up to a limit called the maximum super contribution base (MSCB). If you earn above that amount in a particular quarter, your employer does not have to make SG contributions for the part of your earnings over the limit.
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA
Read All of the Paperwork. When we ask you to read through and confirm the details are correct, you must check! Once a quote turns into a policy, this is a legal contract between you and the insurer. If you fail to read it, and later have an issue caused by a failure to correct your answers, it’s too late once a claim has occurred. Read the Schedule and read the PDS. Ask your broker questions, as the answers could make a big difference to the cover selected, and to how you manage risk within your business.
Clearly Define your Activities. If you describe yourself as a “glazier” but forget to tell us you are abseiling from the 40th floor to replace windows in a multi-storey office block, the insurer will incorrectly rate you and will decline any claims. Remember to describe and disclose your activities properly. We can’t provide accurate quotes without a correct description. An inaccurate quote could lead a worthless policy if care is not taken at this stage.
Provide Correct ABN and Trading Name. One fellow—insured with a direct insurer—had insured another company (not his own) with similar spelling for 6 years before realising that it was wrong from the very beginning. Details do matter. Double check this, otherwise you
Planning to start a business?
GENERAL INSURANCE Small Business Insurance Brokers www. Any0418brokers.com.auheightsafetyinsurance300096adviceinthisarticlehasbeen
For a health check of your business insurance, contact Small Business Insurance Brokers via email: smallbusinessinsurancebrokers.com.ausales@
Tell Us About Future Plans. The selection of insurers may depend on whether they can accommodate all of the required cover sections. A Business Pack PL (Public Liability) Policy may be more appropriate than a stand-alone PL policy if—in a couple of months—you might need to add contents, business interruption, and machinery breakdown cover sections for example. You may need a stand-alone PL Policy if your activity is “non-preferred” by Business Pack Policy Insurers. Your broker might have to place you with a specialty underwriter who understands that specific occupation. It’s better to know from the start what you plan on doing later, so a flexible insurance programme can be put in place.
INSURANCE
16 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
Be Qualified. I can’t tell you how many times people have been unaware of the qualifications, licenses, registrations, or tickets which are essential not only to do the job they plan to do, but to convince the insurer they are a “good risk”. This is particularly the case if we are trying to get you Professional Indemnity cover. Best to do your research before telling the boss you’re leaving. We can’t insure the uninsurable.
I get regular calls from people who are in the process of starting a new business. Many are after a “ball-park” figure for insurance costs so they can flesh out a business plan and budget for outgoings. No matter how the conversation starts, the outcome is largely dependent on the quality of the information provided by the client, and this can be… to put it politely, “a little thin” at times.
To maximise your chances of getting a fair and accurate insurance quote:
You can thank me later.
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).
Be Patient. Often insurers and their underwriters are overwhelmed with the volume of inquiry, so be prepared to wait for a quality answer to come back. Speed doesn’t always equate to efficiency or deliver accuracy. Not everything can be done using online quoting tools, and this is particularly the case for complex risks. So perhaps start your research well before you quit your job to allow ample time to get it right.
Consider Advice. We understand no one has an unlimited budget, but don’t cut corners that may put you out of business before you’re off the ground. For example, If you handle and store people’s details like phone numbers, names and addresses, you need cyber protection for yourself. If employing people, you may need Management Liability Insurance, if you give advice, you may need Professional Indemnity and so on. Take the time to familiarise yourself with the risks, so you aren’t taken by surprise, and so you can write a realistic budget. Deciding in advance you need the “bare minimum” may be a costly financial error.
By CraigGENERALAnderson
may take out an entirely worthless policy when you go ahead. Again, facts have to be right from the beginning.
Craig Anderson
“Everycovered.”health
Quote attributable to Minister for Health Mary-Anne Thomas
MoreVictorians.than
students enrolling in a professional-entry nursing or midwifery course in 2023 and 2024 will receive a scholarship of up to $16,500 to cover course Studentscosts.will receive $9,000 while they study and the remaining $7,500 if they work in Victorian public health services for two years.
Quote attributable to Minister for Training and Skills and Higher Education Gayle Tierney
Allspecialities.newdomestic
10,000 students will have the cost of their nursing or midwifery undergraduate studies paid for, while scholarships will be available for thousands more who complete postgraduate studies in areas of need including intensive care, cancer care, paediatrics and nurse practitioner
together with the $12 billion Pandemic Repair Plan brings the number of nurses and midwives being supported to more than 20,000, including funding 13,000 nursing and midwifery positions and scholarships, and funding the upskilling of 8,500 nurses.
• $11,000 scholarships for enrolled nurses to become registered nurses, covering course costs and boosting the number of registered nurses
The package recognises that the cost of study is a financial burden for prospective and existing nurses and helps our health services maximise the recruitment of new nurses and midwives in key areas of
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Making It Free To Study Nursing And Midwifery
The package also includes:
past eight years, the number of nurses in the public system has risen by more than 26 per cent – increasing by 9,400 to more than 45,000 nurses. The Labor Government has overseen a net increase of more than 22,000 healthcare workers in the system since 2014 – up by 27.6 per cent.
Quotes attributable to Premier Daniel Andrews
• Scholarships for postgraduate nurses to complete studies in specialty areas such as intensive care, emergency, paediatrics and cancer care – worth an average of $10,000
midwifery – go for it.We’ve got your HECS fees
“You can’t deliver a health system with empty hospitals, which is why we are investing in hardworking nurses and midwives that are helping Victorian patients every single day.”
“By providing more pathways and incentives to education, we’re giving our nurses and midwives the practical support that they need to continue caring for Victorians.”
• $12,000 scholarships to support training and employment of 100 new Nurse Practitioners in both acute and community settings
In a $270 million boost to the health system, more than 17,000 nurses and midwives will be recruited and trained as part of a massive hiring and upskilling initiative – building an army of homegrown health workers to care for
Inneed.the
The Andrews Labor Government is backing Victoria’s healthcare system with free university and specialist training for thousands of nurses and midwives.
More midwives will join the workforce through an expanded postgraduate midwifery incentive program, which will provide scholarships to cover course costs and salary support for 150 existing nurses to continue working while they complete their specialist studies in Themidwifery.initiative,
• More than $20 million to provide more support to the growing numbers of graduates and postgraduates as they transition to working in our hospitals – ensuring they have access to the clincial educators, preceptors and study time they need.
system in the country is under enormous pressure due to the pandemic. The best thing we can do to support our hardworking staff is give them more support on the ground –that’s why this package will train and hire more nurses than ever before.”
“If you’re in Year 12 and you’ve been thinking about studying nursing or
Stage 2 – Relaxation
Stage 7 – Familiarization
The baby may have periods of rest between these early activity during the first couple of hours after birth. This resting time does NOT mean baby is disinterested in the breast and needs help latching. Don’t intervene. Just let her be and she will continue in her own time. Don’t rush her. Enjoy this time together.
Stage 3 – Awakening
Dr. Joanna Strybosch
Baby becomes acquainted with the nipple by licking the nipple and touching and massaging the breast. This stage begins about 45 minutes after birth and can last 20 minutes or more. Baby starts making sounds to get mums attention. She looks at the other people in the room, familiarising himself with her new environment. Baby’s movements are quite purposeful. Again, don’t rush the
By Dr. Joanna Strybosch
Osteopath
The importance of providing a mother and baby with immediate skin to skin contact for at least an hour after birth is now being recognised. Changes in medical practice now encourage this continuous skin to skin contact beginning immediately after birth, without delay or interruption for routine procedures, and continuing though the first breastfeed. This practice has been shown to improve self-regulation of the baby and increase the likelihood of breastfeeding success.
Stage 1 – The birth cry
www.childrensosteopathiccentre.comLACTATIONSc/GradB.App.Sc(Clin.Sc)/B.Osteo.DipPaedsCONSULTANT
Baby “crawls” towards the breast and nipples. She will make her way there using sliding, pushing, leaping and crawling movements until she reaches her target. These are short periods of action usually starting around 35 minutes after birth.
Stage 4 – Activity
Stage 9 – The final stage is sleep
Swedish researcher Ann-Marie Widstrom has shown that there are nine observable newborn stages that occur in the first hour or two after birth when a baby is placed immediately skin to skin with his mother. These are instinctive to the baby and occur in a sequential order.
The baby begins to explore her environment with her mouth by make mouthing and sucking movements. She has more stable eye movements now and looks at the breast and then looks at her mother. The dark areola attracts her to the nipple area and the smell there is familiar, as it is the same as the amniotic fluid that has been her environment til now. She starts to move her hand to
9 Stages Of BehaviourNewborn
18 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
Stage 6 – Crawling
The distinctive cry occurs immediately after birth as the baby’s lungs expand and fill with air for the very first time. This is a wonderful sound to the parents ears and confirms their baby is alive and well!
LACTATION CONSULTANT
This usually begins about an hour or so after birth. If the mother has had anaesthesia during labour, it may take a while longer for baby to complete these stages.
her mouth, stick out her tongue and massages the breast with one or both hands. All of these movements increase the release of oxytocin in her mother’s body and prepares her body for bonding and breastfeeding.
process. Relax and enjoy watching this amazing event as baby finds the breast and nipple by herself. Soon she will latch on and suckle without assistance or interference. Don’t try to help her latch – she is not ready just yet. Her tongue is flat and high in the roof of his mouth, whereas just prior to self-attaching, she will drop her tongue and while opening her mouth wide for a deep and effective latch. Be on baby time, not on hospital or doctor or nurse time.
The baby and often mum too will fall into a beautiful restful sleep together.
The baby is placed skin to skin on her tummy on her mothers tummy or chest. Her hands will be relaxed. Baby will be calm and quiet, pausing to recover form the birth process.
Stage 8 – The newborn takes the nipple, self-attaches and suckles
Stage 5 – Rest
About 3 minutes after birth, the baby starts to make small movements of the head and shoulders. She is no longer tightly confined inside her mother, and is free to stretch and experience the open space around her.
With Father’s Day this month, it’s a great time to talk about men’s health. We’ll take a look at two conditions: teenage acne and Benign prostatic hyperplasia (BPH). These are both caused (at varying degrees) by male hormone imbalance.
BPH is increasingly common in men as they age and is estimated to be present in 70% of men over the age of 70. Due to hyperproliferation (excess growth) of prostate tissue, the enlargement of the prostate gland obstructs urinary flow, resulting in poor urinary flow, increased urgency, and incontinence.
Whole Naturopathy can treat hormonal imbalance with herbs
By Kathryn Messenger
• Increase ‘green leafy’ vegetables such as kale, spinach, broccoli, cabbage, etc
Recreational lifestyle activities which reduce stress can also be helpful as chronic stress increases inflammation, leading to many disease states. Exercise can help by increasing blood flow and also reducing stress.
• Increase dietary fibre, particularly through vegetables
Similarly to with teenage acne, excess androgens are a major culprit in contributing to hyperproliferation of prostate tissue. This enlargement of the prostate gland also leads to BPH and prostate cancer. Once again Saw palmetto is an important herb in regulating androgen levels, and additional benefits have been found when used in combination with Urtica dioica (stinging nettle).
health:Men’s &PubertyProstate
naturally
formulated specifically for you, together with dietary changes that will best target your health issues.
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Naturopathic treatment of hormonal imbalance often includes strengthening and detoxifying the liver. The liver is where hormones are metabolised, are transformed into different forms, and excess hormones are removed from circulation. If the liver is not functioning well, this process will be impaired. Prescription drugs, alcohol, exposure to toxins, and poor diet all contribute to reduced liver function. Herbal medicine is highly effective in improving the liver, but below are some tips to get you started.
Kathryn Messenger
Androgens are a group of hormones of which testosterone (the predominant male reproductive hormone) is the most common. Testosterone levels increase for young men in their late teens, and the excess androgens contribute to acne. The sebaceous glands which secrete oil onto the skin, produce androgens, along with other glands, and in excess are converted to a hormone called dihydrotestosterone which promotes acne. Research has found herbs such as Serenoa repens (Saw palmetto) effective in treating hormonal acne, especially when combined with other androgen regulating herbs is. As a naturopath, I would also address elimination of waste products, inflammation, the liver (as detailed below) and any other factors contributing to the acne.
your
NATUROPATH
To improve liver function:
• Eat bitter foods such as roquette (rocket), and sour foods such as fresh lemon juice.
BHSc (Naturopathy) kathryn@wholenaturopathy.com.au This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.
Downsizer contributions are in addition to existing rules and caps and are exempt from the: age test, and $1.7 million total superannuation balance test for making non-concessional contributions.
Self-education removal of deduction limitation
An employer who provides an employee with an electric vehicle will not be liable for fringe benefits tax on the employee’s private use. The new legislation comes into effect for electric vehicle first held by employers on or after 1 July 2022. To be eligible for the exemption, the electric vehicle must be below the luxury car limit, which is currently sitting at $84,916.
Individuals may soon have the ability to claim a higher deduction for self-education expenses from the 2022–23 income year. New legislation has been tabled into parliament following the original announcement by the former government in the 2021 Federal Budget.
Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.
The announcement is somewhat related to a Treasury discussion paper released in December 2020. However, other matters addressed in the paper, such as deductions for expenses unrelated to current employment, have not been taken further at this stage.
In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.
AAT extended power to pause or modify ATO debt recovery
Electric vehicles to be exempt from FBT
2022 TAX
The exemption provides a viable option for employees to reduce their tax bill by salary packaging.
Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action.
Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be repealed from the tax laws. This requires legislative approval.
Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From that date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget reduced the age limit from 65 to 60 from 1 July 2022. Further, another legislative amendment has been issued by the new government in August 2022 to reduce the age limit again from 60 to 55. The change will not come into effect until after the new Bill receives royal assent. To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(10-May-2017)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(11-May-2021)DateRoyalPassedIntroduced(27-Aug-2022)ConsultationAnnouncement(27-Jul-2022)DateRoyalPassedIntroduced(3-Aug-2022)Consultation(12-Jan-2022)Announcement(8-May-2021)AssentofeffectAssentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2018)
Downsizer contributions to superannuation
Sharing economy reporting system to be implemented
There is a limit of $100,000 of eligible deductions able to be claimed by a business each income year but can be claimed on both business expenses and depreciating assets.
The new directive will be initially limited to small business owners in order to assist them in keeping up to date with tax obligations.
21SEPTEMBER 2022 | FIND KNOX
The identification of users of sharing economy platforms means that, as an adviser, you should be informing taxpayers who earn income off these platforms of their tax obligations. This includes short-term accommodation, ride-sharing transport and food delivery platforms.
A business with aggregated turnover of less than $50 million will be entitled to a 20% bonus deduction for expenditure relating to a digital business adoption.
The Commissioner of Taxation will be given new powers to direct a taxpayer to undertake a record-keeping education course in lieu of an administrative penalty.
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(25-Aug-2021)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(3-Aug-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)AssentofeffectAssentofeffectAssentofeffectAssentofeffect(1-Jul-2023)
The individual must then provide the Commissioner with evidence of completion of the course in order to avoid financial penalty. The new directive will be available after the Bill receives Royal Assent.
The Taxable Payments Reporting System already applies to some businesses in industries where noncompliance is deemed to be high risk. By adding operators of sharing economy platforms to the regime, taxpayers who hold or use assets for short-term lease or contract work will have their information collected.
Also, other task or time-based service platforms will be required to report for income years beginning on 1 July 2024.
Starting from 1 July 2023, operators of sharing economy platforms will be required to report transactional information to the ATO.
The start date of the proposed changes have been delayed after the former Bill was prorogued at the last federal election.
Small business technology investment boost
The bonus deduction will be available for expenditure incurred from 7:30pm (AEDT) on 29 March 2022 (2022 Federal Budget night) until 30 June 2023.
Small businesses will get a bonus tax deduction on top of the allowable deduction for training their Businessesemployees.with aggregated turnover of less than $50 million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to external training courses delivered to a business’s employees by a registered training organisation in Australia.
Small business skills and training boost
TAX UPDATES
ATO to have power to make small businesses undertake tax education course
The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.
REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY R EAL E STATE HOUSE OF THE MONTH SEPTEMBER 2022
If you have questions, contact Warren on 1300 88 38 30 or email: editor@findknox.com.au Email your Rental Listings to Find Knox each week and we will update your Listing in the online community paper for FREE. RENTALFree RealAdvertisingLISTINGforEstateAgents
•
There is a great service called REDcycle available at participating Coles & Woolworth supermarkets where you can deposit soft plastics to keep it out of landfill and reduce the space in your rubbish bin. They recycle the plastic and turn it into products like outdoor benches and alternatives for timber posts. It is also being blended into road and footpath
REALESTATE JUNE 2022 SEPTEMBER 2022
• bread bags
•
Monday 3 October.
Did you know that many soft plastics (plastic that you can scrunch in your hand) takes up approximately 10% of your household rubbish bin space?
There are some great roles available for those looking to get involved and engage with their local community.
• Waste Warrior – for those passionate about reducing waste and helping to educate our community
• cereal box liners
Softmixes.plastic
REDcycle, accept a huge range of soft plastics such as
How to recycle soft plastics
Stringybark Festival is a free community event celebrating homegrown creativity, sustainability and all things local. Find out more about Stringybark Festival
For more information contact events@
Collect them at home and deposit them at participating Coles & Woolworth supermarkets. Aldi supermarkets are expected to also have soft plastics recycling bins available by the end of the year.
For further information about which soft plastics they will accept, please visit REDcycle
• dry pet food bags
• frozen food bags
• chip packets
Volunteer at Stringybark Festival
• clean cat & dog food pouches
•
• Arts & Crafts – for those keen to get creative and assist with nature play activities
• fresh produce bags
• confectionary bags
Applicationsknox.vic.gov.auclose
Apply online to register your interest
• Festival Crew – for any event management students or those seeking event experience
can’t go into your household recycling bin because they get caught up in the recycling plant machinery.
• ice-cream wrappers netting produce bag pasta/rice bags snap lock bags
Volunteer• shifts are available from 2 hours to 5 hours, with plenty of time to enjoy the festival.
• bubble wrap
We are currently recruiting volunteers to help at Stringybark Festival on Sunday 16 October at Rowville Community Centre and surrounding parklands.
• The Basin Triangle
Coachella Cafe, by Christian Vine
Complete our survey and go in the draw to win one of five $100 Coles-Myer vouchers!
• Boronia Road between Langwith Avenue and Boronia Mall
For further information please email the Biodiversity Team on biodiversity@knox. vic.gov.au or call 9298 8000.
The murals were funded through the Victorian Government's Suburban Revitalisation Program, and managed by Council, as part of the Building a Better Boronia initiative.
Find Biodiversity Month 2022 Events
There are 30 elder trees located throughout
You can see the murals at:
How do you stay up to date with Knox's latest news - social media, website, community newspapers?
Dorset Rd Flagpoles, by Kent Morris
Startvic.gov.au.searching now!
Knox Tree Trails are back with familiar faces and a number of new tree friends!
About Biodiversity Month 2022
Boronia Library, by Carla McRae
• Blind Creek in Fair Park, Ferntree Gully
Knox. You can find them in the following locations:
• Dandenong Creek between JW Manson Reserve and Bayswater Park
• Wellington Road Linear Reserve between Liberty Avenue and Wellington Village Shopping Centre
Talented artists have been busy in Boronia, painting five new murals celebrating nature, culture and community.
At each tree’s location, there is a sign that tells you the name of the tree, it’s age and some fun facts about the species. You can even ask the tree a question or let them know why you appreciate them by sending an email to treetalk@knox.
The murals were painted over winter by Carla McRae, Christian Vine, George Rose and Kent Morris.
25SEPTEMBER 2022 | FIND SEPTEMBERKNOX2022
New Murals in boronia trailstreeKno
This Biodiversity Month, take time to discover some of the beautiful and old trees that look after the birds, insects and other creatures in our community.
257 Dorset Rd, by George Rose
217 Dorset Rd, by Kent Morris
The public art project aims to restore pride and contribute to postive visitor experiences, while reducing graffeti.
Also see our podcast to learn more about the important role old trees play in our community.
Are Not-For-Profityou 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 NOT-FOR-PROFITLOCAL
So, ladies come along and join us and you will be warmly welcomed.
Boronia View
Boronia View Club will meet on Friday 16 Sept at 11.30am at Eastwood Golf Club, Liverpool Rd., Kilsyth for a lunch meeting costing $27. VIEW ( Voice, Interests and education of Women) is a National women’s organization and support network bringing together women of all ages and backgrounds to come together to enjoy social activities, develop skills and make connections while supporting Australian children experiencing disadvantage.
Enquiries to Judith on 9764-8602
28 FIND KNOX | SEPTEMBER 2022 www.findknox.com.au
There will also be a trading table, raffle and book stall. All monies raised goes towards the Learning For Life program run by The Smith Family.
ClubWe enjoy the company of ladies of all ages youcomebackgrounds,andsoalongandwillbewarmlywelcomed.
The speaker will be James Nicolas talking about “The Mystery of Fairyland”, a house in Kew.
www.findknox.com.au 29SEPTEMBER 2022 | FIND KNOX 29SEPTEMBER 2022 | FIND KNOX Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper. SEND US YOUR NEWS! Simply upload your ad www.findknox.com.au/nfp-free-advertisingatoryoucanemailtheadtotheeditor@findknox.com.auandwewilldotherestforyou.
Westfield Knox is one of the largest shopping centres in Melbourne. Located at the foothills of the Dandenong Ranges approximately 25 kilometres east of the CBD, it is easily accessed by major arterial roads, including the Monash and Eastern Freeways. The centre currently caters to a trade area population of approximately 478,000 people, with a total accessible market of 2.2 million residents.
The centre is home to a range of Australia’s most well-known retailers including Myer, Kmart, Target and Coles. There is also a Village Roadshow cinema complex and a broad mix of retailers including over 380 specialty retailers.
Shop Eat
Knox
Westfield Living Centres are open and trading. Visit your local centre website for the most up-to-date retailer information and opening hours as these will vary for each state and territory.
Kids Sushi making workshop with Sushi Hub
Kids will enjoy learning the fundamentals of sushi making with the experienced sushi chefs from Sushi Hub. The little ones will be able to create their own rolls using the tools and fresh ingredients supplied including seaweed, sushi rice, cucumber, chicken and more!
Join us for Footy Finals fun at Westfield Knox
Sushi Hub
Grab the kids and join us on Sunday 25 September at Westfield Knox for some hands on fun at our FREE sushi making workshops with Sushi Hub.
Phone: 0398871166
Workshops are suitable for kids aged 4 - 12 years old. Please note this is a kids-only workshop. Children must be accompanied by a parent or guardian at all times. Parent/guardian please disclose and intolerance/allergies to staff on the day before participating in the sushi making workshop.
It's Footy Fever here at Westfield Knox. Join us for the first week of School Holidays in the count down to the AFL Grand Final.
As a sweet treat, the first 70 Westfield Plus members who visit our Footy Fever craft zone a day will receive a bonus AFL Football themed cupcake from Ferguson Plarre Bakehouse.
Kids will enjoy learning the fundamentals of sushi making with the experienced sushi chefs from Sushi Hub. The little ones will be able to create their own rolls using the tools and fresh ingredients supplied including seaweed, sushi rice, cucumber, chicken and more!
Date: Sunday 25 September
Learn to make delicious sushi and eat it too!
Time: 11am - 2pm Location: Level 2, near Kmart
From Tuesday 20 September - Thursday 22 September Westfield Plus members are invited to visit our Footy Fever craft zone for some footy-themed craft activities. Little ones will be able to create their very own supporter flags and team badges along with decorate their own reusable sports bag!
Phone: 03 9814 https://www.westfield.com.au/knox/services5001
Please arrive 10 minutes before the session starts. Participants arriving 5 minutes after commencement will be considered a no show.
*Cupcakes while stocks last. Limit one (1) cupcake per child, per Westfield Plus member. Customer must be a Westfield Plus member to redeem. All children must be supervised by a parent or guardian during the event. No prams or trolleys allowed inside the event space. Sanitise your hands before entering the event space. Details correct at time of publishing.
31SEPTEMBER 2022 | FIND KNOX
Terms and Conditions
Sushi Hub reserves their rights to accommodate latecomers at the next session at their own discretion.
• Session 5: 2:00pm - 2:45pm
• Session 4: 1:00pm - 1:45pm
See event details below:
• Session 1: 10am - 10:45am
Terms and Conditions:
*Places are limited to 16 spots, bookings are essential. *
• Session 2: 11am - 11:45am
• Session 3: 12pm - 12:45pm
Learn to make delicious sushi and eat it too!
We can't wait to see you there!
Location: Level 2 bridge, near Kmart Session times below:
Date: Tuesday 20 September, Wednesday 21 September, Thursday 22 September
Grab the kids and join us on Sunday 25 September at Westfield Knox for some hands on fun at our FREE sushi making workshops with Sushi Hub.
Bookings are essential, please click here to book and secure your spot.
Parents are welcome to assist the kids and share the fun experience. Just make sure you come with an empty stomach as you will want to enjoy the sushi you've made!
Parents are welcome to assist the kids and share the fun experience. Just make sure you come with an empty stomach as you will want to enjoy the sushi you've made!
RETIREMENT SEPTEMBER 2022 We will look after your financial affairs so you can enjoy your retirement. WHO WE ARE Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients. WHERE WE WORK We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live. WHAT WE DO We don’t sell proucts but provide simple retirement planningBendigosolutions.|Geelong | www.findretirement.com.auMelbourne 1300info@findretirement.com.au883830 Mon - Fri: 9am - 5:30pm Sat: 10am -1pm Sun: CLOSED This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367. Find Aged Care Services is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services Are you an established and experienced Financial Planner providing Aged Care Advice?
www.findknox.com.au 33SEPTEMBER 2022 | FIND KNOX 33SEPTEMBER 2022 | FIND KNOX Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area. We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities. For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services List Your Aged Care Facilities with Find Aged Care Services Today.
PROFESSIONAL SERVICES INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 00 • Find Accountant ----------------- 34 • Financial Planning ------------- 00 • Find Insurance -------------------- 35 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 35 • Life Coach --------------------------- 00 • Signages ------------------------------ 00 • Mortgage Brokering ----------- 00 Special Tax Return Offer Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation 1300 88 38 30 $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to warren@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf. Email your artwork to editor@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email editor@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:PROFESSIONAL SERVICESPAGES
35SEPTEMBER 2022 | FIND KNOX PROFESSIONAL SERVICESPAGESHELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford. We provide ourselves in providing honest advice that you can rely on. 1300 88 38 30 warren@findinsurance.com.au www.findinsurance.com.au 248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367 • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover Personal Insurances Include: When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time. We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General Insurance We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: Visit Us Here When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan. Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing. Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797. Height Safety Insurance Brokers ABN: 266892118030418 300 096 | www.heightsafetyinsurancebrokers.com.ausales@heightsafetyinsurancebrokers.com.au Australia’s Trusted Height Safety Insurance Brokers CRAIG ANDERSON GENERAL INSURANCE
PAGES INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00 LOCAL TRADIES Email your artwork to editor@findknox.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you. TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are: Are you a Tradie? Need referrals? Consider joining the Find Manningham Network group. If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 editor@findknox.com.au TRADIES - FREE ADVERTISING
37SEPTEMBER 2022 | FIND KNOX PAGES HOME & GARDEN INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00 BUSINESSES Do you provide Home and Garden services in the Manningham region? If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 editor@findknox.com.au Email your artwork to editor@findknox.com.au
TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you.
If you wish us to create your ad, we will do this for a minimal cost. Go to www.findknox.com.au/graphic-design to upload your details and we will create this for you.
PAGES HEALTH & BEAUTY INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00 If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 BUSINESSESeditor@findknox.com.auDo you provide Health and Beauty services in the Manningham region?
TRADIES - FREE ADVERTISING If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
Email your artwork to editor@findknox.com.au
We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports. For inquiries call 1300 88 38 30 or email editor@findknox.com.au
Knox 1300 88 38 editor@findknox.com.au30 SEPTEMBER 2022 Services Times Public ReligiousFREENoticesADVERTISINGGroupsandChurches
41SEPTEMBER 2022 | FIND KNOX FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au Religious Practitioner Stories & Services
SEPTEMBER Birth,2022 Deaths &FREEMarriagesAdvertising is available related to Death Notices, Funeral Notices, Births YOURSENDMarriages.andUSNEWS!Knox 1300 88 38 editor@findknox.com.au30
43SEPTEMBER 2022 | FIND KNOX Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findknox.com.au Birth, Deaths & Marriages
KNOX Support your Local Not-For-Profit Find Coffee Buy 1 Get 1 Offers Find Dining Fine, Contemporary & Bistro SupportFundRaisingYourLocalCommunity Find Travel Entertainment&FunforAllAges Great Local Deals Buy 1 Get 1 FREE Offers Up to 50% Off Find Takeaway Fine, Contemporary&Bistro Find Brunch,Brekky,LunchCafés&Bistro Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses. FREE
LOCAL COUPONS Up to 50% of generated funds goes to Not-For Profit organisation. 31 January 2021 - 31 January 2022 FIND CARD LOCAL OFFERS PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findknox.com.au/register/PleaserefertoPage43 LOCAL COUPONS OFFERS SAMPLE
TABLE OF CONTENTS BUSINESS NAME CARD NO. PAGE NO. FIND COFFEE COMING SOON FIND BREKKY, BRUNCH & LUNCH FINDFINDENTERTAINMENTTAKEAWAYFINDTRAVELFINDDINING CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO.
FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830
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51SEPTEMBER 2022 | FIND KNOX
Coffee COFFEE WITH A FRIEND IS AHAPPINESSCAPTURINGLIKEINCUP. FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830
SAMPLESAMPLE
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55SEPTEMBER 2022 | FIND KNOX NEW OFFERS COMING SAMPLE
Entertainment Dance is the poetic baring of the soul through motion FIND ADVERTISING 1300editor@findknox.com.auCOUPONS883830
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The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.
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the Find Cards and/or Find Coupons can be found here. Find Cards Policy Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer). Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered. Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.
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