Find Manningham - February edition

anningham The

FEBRUARY 2021

WHAT’S INSIDE: 04

LOCAL STORIES

17

COLUMNIST ARTICLES

28

TAX UPDATES

30

REAL ESTATE - RENTAL LISTINGS

34

MANNINGHAM COUNCIL NEWS

52

FIND COUPONS

www.manningham.vic.gov.au

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

MarkMogato

SEE PAGE 04 FOR THE SPECIAL FEATURE

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH

EDITOR | WRITER

JODIE MOORE

LESLEY-ANNE BANTON

SUSAN PIEROTTI

ARCHITECT

GENERAL INSURANCE

LACTATION CONSULTANT

MORTGAGE BROKER | FACILITATOR

WARREN STRYBOSCH BOOKKEEPER

KATHY ISMAIL

NEHA NAYYAR GARAGE DOORS

CHANTAL DJURIC

CRAIG ANDERSON

JOANNA STRYBOSCH

SIGNAGES

WEBSITE DEVELOPER

LAW

GLENN MARTIN

SHANE BLEAKLEY

DEAN BOSMAN

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COMMERCIAL COFFEE MACHINE HIRE

FINANCIAL PLANNER

COPYWRITER

MARKETING

IVANA SMITH

Are you our next Financial Planner?

Are you our next Copywriter?

Are you our next Marketer?

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anningham The

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

OUR NEWSPAPER The Find Manningham was establish in 2019 for the purpose of bringing together everyone in the community in one place. Our core focus is to support all Not-For-Profits in the region by providing NFP’s with FREE advertising and helping them raise funds for their respective organisations.

A core group of business owners attend the Find Network luncheons held once a month to discuss the paper and how best to make it even better for the local community.

The Find Manningham has a strong editorial focus and is financed predominantly by the business community.

ALL THINGS MANNINGHAM The City of Manningham is a loacl government area in Victoria, Australia in the north-eastern suburbs of Melbourne.

Maanningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

ACKNOWLEDGEMENT The Find Manningham acknowledge the Traditional Owners of the lands where Manningham 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 Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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

NEXT ISSUE Next Issue of the Find Manningham will be published on Monday March 8, 2021. Advertising and Editorial copy closes Friday March 5, 2021.

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About the Find Manningham

By Warren Strybosch

The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free.

We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.

We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.

To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists.

Without their support, we would not be able to provide this community paper to you.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years.

Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating.

Our fundraising initiatives will never simply ask for money from you.

We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised.

Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing.

We value your support, The Find Manningham Team.

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MarkMogato

By Warren Strybosch

Back to School

We, at the Find Manningham, would like to wish all the 2021 children, who are attending school this year, all the best in their endeavours and we hope you have a wonderful year learning and building relationships with your peers.

I personally want to send a heartfelt encouragement to my son, my nephew, and their friends who are in Year 12 this year. Enjoy the year and I hope you can all look back on 2021 with fondness and with no regrets.

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM Do you have photos from a local event or even a great story you would like to share?

SEND US YOUR NEWS! Manningham

editor@findmanningham.com.au

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Your house is your home - even for those who rent

By Warren Strybosch

New laws are being introduced to make sure those renting a property can feel more ‘at home’ in the place they are renting.

Some of the new changes are as follows: •

No permission is required to place picture hooks on walls, to replace curtains and/or install new energy efficient globes.

•

Renters can ask for the house to be repainted, put in a veggie garden and have a security system installed.

Landlords must have a good reason to be able to decline these requests.

•

All living rooms must have a working heater.

•

Laundries must have both hot and cold water, not just cold water.

Are you aware of your rights to have a pet?

One new law that come into play last year was the ability for tenants to have a Pet. A landlord can say no to pets but only after receiving approval from VCAT. The Landlord can request the pet remain outside but if the tenant does not agree, the Landlord will have to apply to VCAT to order the tenant to keep the pet outdoors. This law come into effect from 2nd of March 2020.

The rights of tenants are increasing, and Landlords must comply otherwise they may have to pay compensation or be faced with a compliance order e.g., made to comply.

The Premier has announced that office-based workplaces in both the public and private sectors can return to 75 per cent capacity from Monday 8 February 2021.

Record keeping requirements for workplaces will remain unchanged. Employers must keep a record of all workers and all visitors who attend the premises for more than 15 minutes. This must include their first name, contact number, date and time of visit and the areas of the workplace visited. Electronic record keeping is strongly recommended. Register here for the Victorian Government’s free QR Code Service.

Changes have been made to our public transport network to make sure it is safe and clean. Download this information pack for fact sheets you can share with your workers and information for staff newsletters or your intranet.

Every Victorian business must have a COVIDSafe Plan and follow the six principles of COVIDSafe workplaces. Face masks are strongly recommended whenever you cannot keep 1.5 metres distance from others.

For more information on safely returning to the office, including density limits in common areas and staggering start and finish times, please go to coronavirus.vic.gov.au or call Business Victoria on 13 22 15.

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Should Mortgage Brokers Be Selling Insurances?

By Warren Strybosch

With the introduction of Best Interest Duty and Westpac losing its appeal in the High Court last week, mortgage brokers are starting to feel the pressure from the regulator with regard to providing advice and selling products to consumers.

For many of us who own property, we have, at one time or another, sought finance from either a bank or mortgage broker. The process of acquiring a loan inevitable leads to a discussion around insurances. After all, it is an easy sale for the banks or brokers given you are told you need it to secure the insurances for borrowing purposes.

For many people, they assume the insurance products they have been sold by the lender or broker is adequate to meet their needs. Often this insurance is referred to as mortgage insurance and is provided under the guise of general advice.

General advice means no advice was provided by the person selling the product, in most cases, by the mortgage broker. They would argue that providing a quote and getting you to fill in the application was your decision and they, the broker, had no part to play in you deciding to take up the insurances provided to you.

However, times are now changing. It is going to be a very brave or very naïve mortgage broker who continues to sell insurances, especially insurances that have a life component to it and/ or provides replacement income – normally called Life Insurance and Income Protection.

With the introduction on Best Interest Duty, mortgage brokers are now

required to research the product they are selling and to make sure the product and/or service they offer is appropriate to their client’s needs. Currently, most mortgage insurance and insurance sold via mortgage brokers are supplied via one particular lender and is often more expensive, with the definitions being substandard, compared to other personal insurances out there in the marketplace.

So much so that ASIC and the Productivity Commission thought these products were questionable at best and did not benefit the clients as intended, with many clients cancelling their policies in the first three years, begging the question as to their appropriateness.

Mortgage Brokers have argued that they do not need to be qualified or licensed to sell insurances because they were only providing ‘general advice’ compared to the financial planner who is required to have a minimum bachelor’s degree and provide a Statement of Advice if they wish to sell insurances. After all, the financial planner is providing personal advice and the broker is not.

“A reasonable person in the position of each of the members called by Westpac might expect Westpac to have in fact taken into account at least one aspect of the members’ objectives, financial situation and needs,” the High Court’s statement read.

As we are all aware, brokers will use our information e.g., current debt or new loan and/or gross income, when calculating how much insurances we should obtain. They will often provide the quote directly to us or guide us as to which company to use to obtain the quote. This ‘consideration’ now falls under ‘personal advice’.

If you have been sold personal insurances by a mortgage broker and believe the broker is not qualified and/or licensed to have sold you the insurances, you may be entitled to request a full refund of the premiums you have paid to date and/or make a complaint to ACFA; the external resolution board who handles complaints relating to mortgage brokers.

If you have been sold insurances by a mortgage broker, then we would encourage you to seek appropriate advice from a financial planner who will be able to review your insurances and help you obtain personal insurances that is likely to be lower in cost and may provide better terms.

Thankfully, there are many mortgage brokers who don’t sell personal insurances but refer this part of the business out to financial planners. We would encourage you to deal with these brokers when seeking a loan.

Lastly, we have provided a comparison of those insurances sold via ‘general advice’ e.g., Directly over the phone or when provided by a mortgage broker to insurance provided by a reputable insurance company…basically, it is chalk and cheese in its comparison.

This information is current as at February 2021. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Find Maroondah and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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Australian Pricing Update: A Reminder

By Warren Strybosch

As you may remember, we delayed the Xero price change that was due to take place in March 2020 to help you, your clients and the small business community impacted by COVID-19. This is a reminder that the price change will take effect from 1 March 2021.

As a cloud company that serves small business and their advisors, it is important that we continue investing in Xero for everyone who relies on us to manage their business and access their financial information every day.

From 1 March 2021, the price of Xero Starter, Standard and Premium plans will increase by $2 a month in Australia. If you use Xero Cashbook, Xero Ledger or Payroll Only, there’s no increase. This web page tells you more.

If your clients pay for their Xero subscription themselves, they’ll get an email from us directly.

Thanks again for partnering with us.

The Xero team

Special Tax Return Offer

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 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.

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

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Have you purchased a motor vehicle recently, the ATO might be interested in your transaction.

ACCOUNTANT

By Warren Strybosch

The ATO has released a statement stating it will start to gather information pertaining to the purchase of motor vehicles from State and Territory motor vehicle registry authorities. The periods it will start to look at are the 2020 financial year and it is likely to continue beyond 2020.

for stamp duty exemption; dealer’s licence number.

The objective will be to address any noncompliance that may have occurred as follows: •

The ATO will be collecting and data matching a lot of information. Some of the information they will be collecting are as follows: •

•

identification details – names; addresses; phone numbers; date of birth for individuals; Australian business number; Australian company number for purchaser(s), seller(s), licenced dealer, fleet manager, leasing company (or representative of any of these); the registering person for an unincorporated body transaction details – date of transaction; type of transaction; sale price of the vehicle; market value of the vehicle; vehicle’s garage address; type of intended vehicle use; vehicle make; vehicle model; vehicle body type; year of manufacture; engine capacity or number of cylinders; tare weight; gross weight; vehicle identification number; registration number; transaction receipt number; state stamp duty exemption; reason

•

•

•

•

identify and address taxpayers buying and selling motor vehicles who may not be meeting their obligations to register and lodgereturns (including activity statements) and ensure the correct reporting of income and entitlement to both deductions and input tax credits to identify taxpayers that have purchased vehicles with values that are not commensurate with the income they have reported to determine if the use of interposed proxy ownership is used to conceal the real accumulation of wealth, therefore representing a material threat to public revenue identify and deal with those taxpayers who may not have met their obligations primarily with regards to GST, fringe benefits tax, luxury car tax, fuel schemes and income tax promote voluntary compliance and strengthen community confidence in the integrity of the taxation and superannuation systems by publicising the running of this data matching program

Already the ATO is data matching general insurance policies and now they are taking it a step further to data match the purchase and sale of motor vehicles.

Many business owners will usually purchase the vehicle in the business.

They will claim the GST associated with the purchase and aim to depreciate the vehicle over the coming years to increase their deductions thus minimizing the amount of tax they pay. What often happens is that when the vehicle is sold, the owners seem to forget that the proceeds need to be placed back into the busines and the GST also accounted for. Obviously, the ATO is aware of this and this might be there way of putting a stop to it. It is likely costing the ATO a lot in missed revenue.

You can read more about the data matching program related to motor vehicles here.

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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Should I refinance?

MORTGAGE BROKER

By Jodie Moore

There are lots of reasons people decide to refinance their home loan. Securing a reduced rate to help with your cash flow each week is probably the most common, but other reasons include: 1. Accessing equity 2. Reducing or increasing the loan term 3. Switching from a variable to a fixed rate or vice versa 4. Consolidating debts Who does refinancing work for?

If you have had the same loan for more than two years, it will likely be very worth your while to refinance. By reducing your rate by just 2%, you could save around $500/month on a $400,000 home loan.

If you have been paying off your home loan for a few years now and have grown some equity in your property, you may choose to refinance your home loan and access the equity to pay for renovations, go on a holiday, purchase an investment property, or any number of other reasons. With a reduced rate, you may find that the repayments for the increased loan are similar to what you are already paying.

You may decide that you not only want to reduce your rate but you also want to reduce your loan term. You could end up paying the same each month as you were on the original rate, with the benefit of paying of your loan sooner. In this instance, you won’t see an increase in current cashflow, but the long term benefits are significant.

We all know that our circumstances can change and the home loan that was right for you when you first took it out, may not be quite so good now. An example of this is having a variable vs a fixed rate loan. When you first bought your home, you may have been new parents and required a loan that had regular and consistent repayments that you could easily budget for. Now, your children are a bit older and both parents are working. A variable rate may benefit

you more now as you have increased cash flow and would like the opportunity to add extra payments onto your home loan to pay it off sooner, perhaps add your tax refunds straight onto the loan.

Whatever your personal situation, switching between a fixed and variable rate may be one way a refinance can help you.

But refinancing can cost you as well and you need to weigh up whether refinancing is right for you.

Just the simple act of refinancing and switching to a different lender can have cost implications. There could be break fees, application fees, annual fees just to name a few.

Also, if you are wanting to refinance to consolidate debt, you need to consider the potential long term implications. It might sound great to have all your debts rolled into one making repayments easier. But you need to make sure you don’t allow that new found sense of ‘freedom’ to cause you to get further into debt as you start using your recently cleaned credit card to start buying a few ‘essentials’. You can very quickly find yourself in far more debt. In addition to the risk of getting back into trouble with your money, the interest you could pay by focusing on your credit card debt

and getting it paid off could be far less in the long term than consolidating with a home loan. Sure the interest rate on a home loan vs a credit card is considerably less, but the loan term is usually a lot more meaning over the full term of the loan, you could end up paying a lot more.

The other potential danger in refinancing is that you take your home loan back out to a full 30 year loan even though you have already had it for 5 years. By pushing it back out to 30 years, you will end up paying a lot more in interest over the loan than if you had refinanced but kept the shorter loan term.

When it comes to refinancing, there are a lot of things to consider. Speaking to a mortgage broker can be the first step in finding deciding if refinancing is the right thing to do and will help you find the loan that best suits your entire situation, taking into account your immediate needs as well as your future ones.

Jodie Moore Finance Manager Find Mortgages t/as Find Home Loan www.findgroup.com.au/finance 0402 513 213

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Take the journey...Love is all you need!

PARENTING

By Lesley-Anne Banton

Over the last 5 years I have worked with men and women who have wanted to go on the journey of self-discovery and self-development. Some have started the journey because the have some emotional pain somewhere in their life.

Some have started the journey because they knew there was more inside them, they had had not yet discovered or taped into, some have taken the journey because they have felt like they do not fit in anywhere and or they are misunderstood and in fact do not fully understand themselves. There are those who have seen and experience trauma.

There are those that have taken the journey because they want to enhance the life they have, expand, and enhance their thinking about themselves and the world around them. And there are those who have taken the journey because of their children wanting to be a better version of themselves for their children.

All have entered the journey because of LOVE, either the absence and wanting of self-love or because of the love they have for themselves and those around them. Their intention comes from a place of love, all have been motivated by love even when there’s extreme emotional pain.

incredible, empowering self-loving journey’s I have ever taken, it has turned into an adventure. I don’t know what I am going to find, see, acknowledge, embrace or feel deep gratitude for next.

For those who have it is life changing, I am not just saying this as a coach but as a person who has taken the journey herself and is still on the journey. There are times in my journey I wanted to bail out, there are times when I have reflected on self, my thinking and events in my life that were so painful to revisit yet the lessons and the empowerment for allowing myself to go through and seek to change has been so worth it.

What I know to be true is that no matter the adventure an individual has taken and no matter how much pain or challenge they encountered they also encounter growth, change, and ultimately love, self-love. They learn to fully love all aspects of themselves, they learn to brake though old and limiting thinking, they brake old dysfunctional patterns that no longer serve them in the life they want to create for themselves.

They learn that no matter what they have gone through they have gotten to this point in their lives and are succeeding (whatever that means or looks like to them). They get to see and reach the potential that was always within them and be reunited with incredible internal resources that they had forgotten they had or had lost sight of along the way.

They get to be the whole loveable them that they were born to be, dropping any roles that they had picked up along the way that were never theirs to begin with. They get to find their voice, discover their boundaries, and stand in their own truth of who they are not what they think others want them to be. They discover they can create the life that they have always wanted without guild or shame and celebrate themselves for ALL of who they are and so much more.

Taking the journey of self-discovery, exploration and development is the hardest, painful, uncomfortable yet

Deciding to take the journey, challenge your thinking and what you know is open to all there is no prerequisites and it’s not

Many opt to stay safe and in the emotional place they know so very well, and that’s ok. Others believe it’s all mumbo jumbo and pointless and some the pain of self-exploration and development is so confronting and traumatising that they choose to never take the journey. And this is ok.

It is a deeply personal choice and opinion to take the journey or not.

exclusive. It is simply a choice. There are so many inexpensive resources out there that can help start your journey, books, audiobooks, podcasts, social media, youtube, the internet and local libraries, anyone can start the journey and you get to choose how fast, how wide, and how deep you take your personal journey.

There are coaches like me that can assist you and fast track your growth in a safe supportive manner and space, this is usually a lager and ongoing investment than buying a book or listening to a podcast.

The gift in the journey is love, self-love and so much more comes from that and can be achieved from that, I have been honoured and trusted to hold many in a safe place as they gave themselves the gift of being who they were born to be. I could make comment to the gift you give others as a ripple effect of to stepping out on the journey however this is a wonderful by-product yet the love and joy you find within is even more than that.

Give yourself the gift of love, take a small step on the journey, dip your toe in the water, expand the love and understanding you have for yourself. You are worth it.

Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418

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Managing Mastitis LACTATION CONSULTANT

By Dr. Joanna Strybosh

Mastitis is a common inflammatory condition of the breast tissue. It is estimated that one in four breastfeeding women experience mastitis at some point in time, most commonly in their first 26 weeks postpartum.

It is a condition that presents with red, tender, hot and/or swollen areas of the breast and flu like symptoms such as fever, aches and chills. It can vary in severity from mild through to a more severe condition. It is possible to develop mastitis more than once in the same lactation as well as in subsequent lactations.

The most common form of mastitis is acute lactational mastitis (ALM).

Sometimes there is an infectious agent most frequently staphylococcus aureus.

However often there is no clear infectious pathogen involved. In these cases, the most common cause is inflammation due to milk stasis. When there is inadequate milk removal from the breast, milk builds up within a lobe of the breast causing inflammation and the characteristic intense local pain of mastitis.

Acute lactational mastitis has a sudden onset of symptoms and usually runs a short course. The known risk factors for mastitis are the wearing of a tight bra, previous mastitis, no breastfeeding support, long times between feeds, hyperlactation, use of nipple shields and quick weaning. These situations lead to milk stasis and/or inadequate milk removal. In addition, nipple wounds are a risk factor for staph aureus infections.

The first step in the management of ALM is to keep the breasts as empty as possible. This means breastfeeding more often and making sure that baby is properly positioned and latched for effective milk removal. If baby is unwilling or unable to feed, milk removal must be done through hand expression or use of a breast pump.

Photo Credit to Kevin Liang

Mastitis can be an extremely painful condition. Mothers need to be cared for and supported to continue breastfeeding while recovering from mastitis so as to not prematurely wean. They need lots of rest, which is vital for a quick recovery. They also need to remain well hydrated and to eat well. The use of cold compresses on the affected breast can be soothing as well as short periods of warmth on the breast just before feeding in order to help the milk flow. Practically, mums need help with their baby and any other siblings as well as help around the home, in order to allow her to have adequate rest.

If symptoms do not resolve within 12 to 24 hours or if the mother is feeling very unwell she should continue with the above measures and seek medical treatment. In these cases, antibiotics will be required.

After commencing antibiotic treatment usually the symptoms of fever and chills disappear within 12 hours. However the pain, redness and breast lump will take longer to resolve. If symptoms do not improve within 48 hours see your doctor again for further help. ALM can lead to a breast abscess if not managed correctly or treated adequately.

During mastitis, a mother’s milk will taste more salty but it is perfectly safe for her baby to drink. Putting her baby to the breast frequently is usually the most effective way to remove milk from the breast and resolve mastitis and should always be encouraged.

Recent studies have shown that the risk of developing lactational mastitis is significantly reduced by the daily consumption of fermented foods and drinks, including kefir and boza, homemade and conventional yoghurts and pickles. Consuming a diversity of these foods was also found to be protective. In contrast, the consumption of probiotic supplements for the management of mastitis is unproven.

Mastitis is a common inflammatory condition of breast characterised by local pain and redness and flu-like symptoms. Management involves the effective removal of milk by frequent breastfeeding or expressing/pumping if required. The majority of cases will resolve with this management. Antibiotic treatment may be required in some cases.

See your lactation consultant for further advice.

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

Lactation Consultant www.childrensoteopathiccentre.com 9876 3011

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How to keep your house cool in summer

ARCHITECT

By Kathy Ismail

Those hot summer days just keep on coming. That’s great if you’re on the beach or lazing around on the decking, but what about indoors? Is your home as cool as you would like it to be?

It sounds obvious but if the sun is out, your home is getting hotter by the second.

Heat comes in through the roof and walls but mainly through the windows. Apart from shutting all the curtains and living in a ‘cave’, how can you minimise the sun’s heating effect while still having a light, bright interior?

There are two main way to shade your windows: with eaves and with shading.

Eaves If you look out the window at the top, you will see part of the roof jutting out – these are the eaves. They are specifically designed to protect windows from heat, rain and other weather events. If designed well, they will block the sun in summer (when the sun is higher in the sky) but allow the lower rays of winter light in. A bonus is if there are deep eaves and airflow from west- to east-facing windows across the whole building as this will save you heaps on air-conditioning bills!

Awnings Some residences don’t have eaves, for instance apartments and some modern houses. The good news is the huge variety of shading options to suit your home, style and budget. Why not go for attractive awnings! These are now made from a wide variety of materials

that include steel, timber, corrugated sheet metal, cement sheet and rigid polycarbonate sheeting. Lightcoloured ones will shade your home more effectively. Fixed awnings can be horizontal or angled. Retractable ones can be in place just for summer and be out of the way in the cooler months when you’ll want more light in your rooms.

Fortunately, gone are the days when you had to go out in the blistering heat and lower them by hand. Now there are motorised versions available that can be lowered from indoors and some even monitor wind levels and retract when the wind strength is becoming too high!

Awning will need to be cleaned and maintained regularly but they come at a moderate cost.

Sail shades and umbrellas These can be bought off the shelf or custom-made to your requirements.

They can be made of traditional canvas, but natural materials exposed to the weather have a greatly reduced lifespan compared to high-tech PVC, polyester and fibreglass fabrics now on the market.

The new fabrics breathe better, let in light, have better visibility through them and shade better than canvas does.

They come in a range of light blockout levels and can be waterproofed against rain. However, they are more fragile than other shading options and can be damaged in high winds. They can be fitted with sensors that close them automatically when bad weather arrives.

Pergolas If you have the space, a ‘green’ shading is a lovely decorative way to keep your home cool. Install a pergola and cover it with deciduous vines. Not only will you

have something beautiful to look at in the summer, the vine leaves will drop in autumn, leaving you with plenty of light during winter. However, any growing plant needs maintenance so if you’re not a gardener or don’t employ one, maybe this optionsisn’t for you!

The pergola can also be covered with a translucent roof that allow light to come through. Many of these translucent polycarbonate roofs are now versatile and durable. Some of them even claimed to withstand hailstorms!

Which shading should I install?

Besides price, you will need to factor in such considerations as the amount of space you have, the amount of visibility and permeability, the ease of operation, whether it’s mechanised and whether it can serve a double purpose (for instance, keeping out insects). Many of these can be added to an existing home.

If you’re already undergoing a building project, it’s a good idea to talk to your architect as they will have some great and imaginative solutions to the heat versus light issue. There is a reason that our early European settlers style have those sweeping verandas around the house!

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 KiR Architecture www.kirarchitecture.com 0422 026 962 FEBRUARY 2021 | FIND MANNINGHAM

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4 Tips on Best Writing Practice ACCREDITED EDITOR

By Susan Pierotti

Are you a business owner wanting to launch a new product or service in 2021?

Do you need new customers to make for Covid losses? Do your regular customers even know you’re still in business? Now, more than ever, is the time for marketing yourself!

Part of your marketing will be visual – websites, brochures, Facebook and Instagram images. These can convey a complex message in a simple photo; after all, a picture tells a thousand words.

But you still need the words. So how do you increase your online presence and influence through written content?

Here are 4 tips to improve your writing so it has impact.

1 Find your voice Did you know that everyone’s voice is unique? The sound waves that are generated when we speak are so individual that they can be used as evidence in a lawsuit. It is the same when you write. You can copy someone else’s style to a certain extent, but when you write from your soul, it sounds like you.

That lets people into your mind and heart, which gives you influence. It makes your writing more powerful, giving it impact.

Remember why you went into business.

People buy from people they relate to, and if they know your ‘why’, they will connect with you better. It will also filter out those who possibly would not become your most ideal customers.

2 Edit, edit, edit!

Hands up who never makes a typing error. Hands up those of you who are perfect spellers and have a grammatical grasp of the English language that

would daunt an Oxford professor. We are human and therefore make mistakes.

However, the human brain is a marvellous organ. It can autocorrect whatever we read. Little things like writing ‘from’ instead of ‘form’ to gigantic errors can be seen with the eye but reinterpreted by our brains.

Curiously, the reader’s eye will pick up those things that our brain autocorrects.

It won’t be a conscious noticing, but more of a lack of concentration while reading and disengagement with what you’ve written. The last thing you want is for potential customers to stop reading what you’ve written! There is even a direct correlation between spelling mistakes and downward sales trends, so we need not only to review our own work multiple times but to let others cast an eye over it as well, preferably a trained editor.

3 Avoid clichés and jargon ‘At the end of the day, we all need to drill down to the bottom line so this company can reach for the stars.’

This says nothing and is a waste of space.

When writing something, it’s tempting to copy what others have written, especially if it resonates with you. If a phrase rolls off your tongue a little too easily, try writing it a different way. ‘Whatever it takes’, ‘in the fullness of time’ – avoid clichés!

Another trap is to use industry jargon. That may sound impressive to other business owners in your particular line of work, but that’s not who you’re writing for. Will your

customers be able to understand what you’ve written? Ask someone not in your workplace to cast a quick eye over what you’ve written to see if it makes sense to them. Plain English, short sentences, and in your own style is also the best way to get the best results.

4 Hire a content writer There’s no shame in hiring someone to do your content writing for you. No one can do every single task well in any one business, and the most successful business owners are ones who have learnt to delegate.

Outsourcing one’s content writing is common practice nowadays and there are many copywriters and marketing specialists who can assist you with this.

It is an expense worth considering as it will free up your time for more business activities that you’re good at and prefer to do.

Confused about how to get good content for your business? Contact susan@creativetext.com.au for a free ¼ chat and further assistance.

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

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Sole Traders Management Liability GENERAL INSURANCE

By Craig Anderson

Often you hear sayings like “You don’t know what you don’t know” and whilst this is true, the part that is not spelled out, is that you do not know the extent of the consequences of acting without all of the facts at hand. If you are a Sole Trader, and consequently you have no incorporated entity through which you operate your business, then it is fair to say you are not a director. Taking out a policy that protects only the directors and officers of an incorporated body from liability for employment practices breaches, when this does not describe you, may lead to a failed claim and significant personal losses.

Remember that once you enter into a legal contract with the insurer that it is your duty to ensure all of the information provided to them is accurate, so if you are a Sole Trader with an ABN, the insured entity is you, not your “Trading As” name.

Your broker will ensure this is all correct before submission, however if you are obtaining insurance directly on-line, the computer algorithm creating your quote will not know the difference. I have seen a fair few policies made out in the wrong name, and I can assure you the insurer is not obliged to pay when the entity name is missing.

Now you know there may be a problem, the next step is looking at what policy will provide a trigger for a claim if you are a sole trader. Luckily, such a product exists, and it protects the sole trader from personal financial losses rather than offering reimbursement clauses to a company entity. Claims may range from unfair dismissal, harassment, discrimination and other wrongful employment related acts, to Employee Theft, Tax Audits and Investigations, Workplace Health and Safety Incidents, Pollution Costs, and Advancement of Costs and Emergency Defence Costs.

This cover is suited to Sole Traders who fall (loosely) into the following categories:

write and roll-out the policies may help put you in a better position to eliminate the circumstances that may generate a claim in the first place. However if a claim occurs, it is then up to the insurer to take it from there.

When you “Don’t know what you don’t know” then ask the people who do, like your Insurance Broker.

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).

Bookkeepers, Individual Consultants, Tradespeople, IT Consultants, Freelance Writers, Landscapers and Gardeners, Direct Retailers, and Allied Health Consultants.

If your trade is not listed above, feel free to contact us and we can find out from the Insurer if your individual occupation can be accommodated.

Even before you take out cover, to ensure you avoid employment related claims, it is necessary to create the correct policies and procedures and implement them properly. Hiring an HR consultant to help

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

0418 300 096 FEBRUARY 2021 | FIND MANNINGHAM

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Window & Wall Graphics SIGNAGES

By Glenn Martin

Everything you need to make an informed decision on your next window or wall graphics project.

Window and wall graphics are an innovative signage option to create dynamic and visually striking spaces.

Enhance your office and retail space, create private spaces, screen sunlight, or decorate your own home. 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.

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 3 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.

Turn your bare walls and windows into an advertising space.

Wall and window graphics will change the way people experience your premises.

Maximise your branding, promote new products and sales, improve workplace productivity and morale, entertain, and inform customers, or enhance your home environment.

From large off-site jobs to interior office walls, we have a range of solutions to suit every space, style, and budget. Our team of experts will guide you through

Window Decals

Wall Decals

the process from initial concept, to graphic design and quality installation.

We source only the best materials, industry standard printers and professional installers.

Now you are no longer limited to only wallpaper or paint. Print photographs, colours, patterns, or text to instantly transform your living space. Provide your own images or work closely with our team of qualified graphic designers to create the perfect design to suit your space. Our stock libraries have thousands of highresolution photos, illustrations, fonts and backgrounds to choose from.

Our cutting edge wall graphics are printed on a range of high-grade vinyl or non-PVC materials and overlaminate finishes and installed by professional applicators. Easily update and replace graphics without the time and cost of remodelling.

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 are 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!

High Resolution Wall Photo Print

Wall Mural

Hoarding Signage

To learn more about wall and window graphics, call or visit Signarama Mitcham to discuss your ideas and visit us on Instagram to see our latest work @ signarama_mitcham

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

Wall Graphics

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Loving that Summer Coffee!

COMMERCIAL COFFEE MACHINE

By Ivana Smith

February is a lovely time but is often the hottest time of the year. Think of lazy days by the pool, on the beach, in the backyard playing cricket. What better way to relish daylight savings than making the most of all that sunshine – lay back on the deck, watch the tennis on TV in comfort, grab some friends and go for a leisurely walk…the choices are endless!

All these activities can enjoyed with a coffee in hand. Coffee is an ideal drink as the caffeine in it gives a boost to your energy levels, especially welcome when you just want to flake on the couch because of the heat. But you don’t have to reach for a cappuccino or a short black. The fact is that, for those long summer days, coffee doesn’t be served to be hot.

A refreshing summer drink Coffee is just as versatile a drink when cold. Try a short black with ice blocks and no sugar. For something a little more decadent, make an amazing affogato; the Italian word means ‘drowned’, which is what happens to the ball of vanilla ice cream when fragrant hot coffee is poured over it. To spice it up a bit, why not add cinnamon on top, or almond flakes – and some amaretto or Fra Angelico liquor as well will turn it into a classy, cold, refreshing dessert.

There is also the perennial favourite, the iced coffee. This also comes in a number of variations: with milk and ice, with lashings of cream, without cream but oodles of ice cream, or the lot!

A newcomer on the culinary scene is the ‘cold brew’. For this, you will a coffee grinder. Grind the beans coarsely (ground too finely and the coffee tastes bitter). Put the grounds at the bottom of a large jug and add 8 times (compared to the coffee) the amount of cold filtered water. Stir and leave 12 to 24 hours.

The next day, filter the brew by pouring through a finely meshed sieve. Dilute with more water, or try coconut milk for a chocolate-like flavour. You could experiment with different kinds of milk such as almond or macadamia. The concentrate will keep in your fridge for a week or so.

Now you can really be creative! Be bold and add tonic or sparkling water for a fizzy revitaliser at 3 pm. Combine cold brew with gin to transform your usual gin and tonic. Create a coffee negroni by mixing cold brew, Campari and sweet vermouth; add a garnish of orange peel for a special ‘drink de resistance’. With a jug of cold brew, you can really enliven things up for summer entertaining.

Keep healthy while enjoying your drink With all that coffee, you might be concerned about possible effects on your health. For instance, coffee is a diuretic drink, which means that it is inclined to cause fluid loss by making you urinate more often. (Tea is another diuretic.) So, if you drink coffee because you’re thirsty, this is actually counterproductive! However, a number of studies have disproved the notion that coffee is dehydrating. Like most beverages and foods, moderation is the key. No more than two cups of coffee a day is fine as part of a healthy lifestyle.

Compared to soft drinks, coffee is a much better bet as it has far fewer calories, and more so if you drink it without milk or sugar. How does it stack up against sports drinks? Sports drinks were designed for people doing heavy, sweat-producing activities but many people buy them

as the healthiest-looking option in the milk bar fridge. If you are drinking them but not while exercising massively, you will be consuming more sugar than perhaps you realise. Although coffee has more caffeine than sports drinks, the latter is considered more harmful as it contains more sugar than your average sweetened cup of coffee.

So, the good news is, drink coffee throughout summer as a refreshing pickme-up but have fun trying all its delicious variations! Now, what better excuse to get fit – go for a long summer walk, and there could be a coffee shop at the end…!

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

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

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Top Tips for Resolving Your Cash Flow Issues

BOOKKEEPER

By Neha Nayyar

Do you find yourself spending too much time invoicing or chasing up customers for payments? Many business owners find themselves constantly worrying that they aren’t receiving payments quickly enough for services they already provided.

Here are our top tips to resolving cash flow issues: 1. Invoice urgency - Sending invoices for your services immediately helps increase the chance of the invoice being paid more timely. It’s best to keep the service and invoice fresh in your clients memory and by sending them as soon as possible it expresses the urgency in which they should be paid. When you delay sending the invoice to your client you may be unintentionally giving them the impression that there’s no urgency to pay. We recommend you also use an automated invoicing system which will automatically send reminders to the clients when the invoice is overdue.

2. Making payments easy - By connecting your invoice system to a payment gateway it makes it easier for customers to pay your invoices.

Rather than manually having to type in your bsb and account numbers every time a client wants to pay you, you can connect your invoices to a payment gateway so a “pay now” button appears on the invoices and they can pay directly through the link! Allowing both debit and credit card payments will make it easier for them and help make you cashflow happy.

2. Implement deposits - This is especially important for new customers to help you determine their authenticity and whether or not they are genuine. If a customer is not willing to pay a deposit, you are risking the chance that the invoices won’t get paid.

3. Implement deposits - This is especially important for new customers to help you determine their authenticity and whether or not they are genuine. If a customer is not willing to pay a deposit, you are risking the chance that the invoices won’t get paid.

4. Automatic reminders Most automated accounting systems will allow you to enable automatic reminders. We highly recommend you set this up in your system. These reminders are especially important because number 1. They save you time from having to chase up your

clients and number 2. It helps keep the invoice fresh in the customers mind. It will also help you keep track of the status of the invoices as well as increase the opportunities for a payment to be made.

We understand there are many accounting systems and payment gateways in the market and it’s about finding the right fit for you and your business. By following these 4 tips you are making payments easier for both the customer and yourself which will help keep you cash flow happy!

Here at Sum and Substance we are passionate about helping businesses resolve their cash flow issues. Please contact us if you would like any assistance managing your cashflow, setting up invoice reminders or connecting your systems to payment gateways. We can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper | Sum and Subtance 0401 409 573 info@sumsubstance.com.au

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Safety comes first with virus vaccine: PM

By Paul Osborne (Australian Associated Press)

Scott Morrison says experts are carefully watching vaccine rollouts in other countries to ensure Australia’s program is safe.

The prime minister has returned from a week’s break to news of deaths among elderly people in Norway who had taken the Pfizer vaccine, which will also be the first version used in Australia in coming months.

Australia’s Therapeutic Goods Administration and foreign affairs officials are working with Norwegian officials to get as much information as possible about the rollout.

“All the processes and the examinations are being done,” Mr Morrison told 2GB radio. “These cases in Norway, they are distressing. “They are very aged people and they were in the last phases of life and they are very frail – this can happen with vaccinations, we know that, and that is why it is important to be very careful.”

Mr Morrison was confident Australia’s rollout would be safe.

“Let’s make sure they are right … then we can give the tick and then people can safetly get the jab.”

The Norwegian rollout is continuing despite the deaths, with authorities there saying some adjustments had been made to the vaccine program in nursing homes. Mr Morrison met overnight with the “first movers” group – Austria, Israel, Greece, Denmark, Czech Republic and Norway – to discuss developments with the response to COVID-19 and the rollout of vaccines.

Asked about the Australian Open tennis going ahead, he said it was important to keep a balance of holding events and ensuring they are done in the safest way possible. “I like to keep things as open as possible,” Mr Morrison said.

Amid criticism of international sports stars being allowed to enter the country while thousands of Australians are stranded overseas, Mr Morrison

said: “No one is being prevented from coming home from overseas because of the Australian Open … their places are not being taken by tennis players.”

The federal government has secured 20 additional charter flights to bring more Australians home before March.

No new locally-acquired cases of coronavirus were reported in Australia on Monday.

Virus accelerates business online shift

By Daniel McCulloch (Australian Associated Press)

Small businesses have been urged for years to take their operations digital and for many it took a pandemic for them to enjoy the benefits of going online.

New research by Mastercard found smaller firms have been among the hardest hit during the COVID-19 pandemic, but it prompted just more than half of them to accelerate their shift to e-commerce sales.

The study of 806 small and medium-sized businesses found for those who took the plunge, the move was swift.

One in five were able to make the change in 24 hours, while 44 per cent did so within three days of exploring the option.

“Australian businesses have faced unprecedented challenges amid COVID-19 but have shown fierce agility and resilience, with many able to migrate operations quickly and effectively to focus on digital opportunities,” Mastercard Australasia division president Richard Wormald said.

“Businesses have an incredible opportunity to improve the shopper experience online, and industry leaders have a part to play in helping business operators develop that expertise online, using digital payment technologies.”

Separate research commissioned by Google Australia estimated businesses and consumers have received $53 billion in benefits using its search, advertising and entertainment platforms.

The report prepared by AlphaBeta economists says 1.3 billion business received $39 billion through revenues, millions of connections with customers and greater efficiencies, saving time and money.

At the time, consumers are estimated to have received $14 billion in benefits using Google online services.

“Digital technologies have become central to how Australians conduct their daily lives and work,” AlphaBeta director Fraser Thompson said.

“As a rapidly growing number of Australian businesses and consumers buy, sell and interact with each other online, tools like Google’s search, advertising, maps and productivity platforms generate significant value for businesses and consumers throughout the nation.”

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Will COVID-19 cause baby boom or bust?

By Tiffanie Turnbull (Australian Associated Press)

The coronavirus pandemic has broken many hearts and squashed plenty of dreams, but for Samantha it has meant delaying – perhaps even giving up – on her dream of having another baby.

Buoyed by the improving COVID-19 situation in NSW last year, Samantha and her husband of over 10 years decided it was time a third set of tiny feet was running around their home.

But with Sydney and its surrounds cast under the shadow of another virus outbreak in December, the Central Coast couple made the difficult decision to put their plans on ice.

“This isn’t a decision that we want to make,” she told AAP. “It is really hard. We really want another baby.”

It’s not the virus itself that scares the pair, but rather its impacts on the nation’s economy and health system.

“It’s only now that we’re in January 2021 and it’s all happening all over again that we realised that this is probably not over anytime soon,” she said.

“What’s going to happen with our jobs?

“Is our mortgage going to be safe?

“What if there are restrictions and the father is not allowed at the birth?

“If we are successful and fall pregnant again, are we just putting more stress on ourselves at an already uncertain time?”

The pair have vowed to reassess the situation each month, but predict they’re in for quite the wait.

And at 34, Samantha knows that may mean baby number three never arrives.

“We’ve definitely prepared ourselves that this might be it … we might just have to accept that we won’t try again,” she said.

But Samantha is far from alone.

Demographer Dr Liz Allen says many would-be parents will have put off their plans to create or expand families in 2020.

“Being stuck at home with a partner doesn’t meet the necessary ingredients for increased fertility rates,” the population statistics expert told AAP.

Dr Allen says it is, but not yet.

“More sex is insufficient for a baby boom to occur.”

With the birth rate below population replacement levels, as it has been since around the mid-1970s, Dr Allen says Australia is facing an ageing population crisis.

Fewer opportunities to meet people coupled with economic uncertainty means people will likely delay or forgo having children during this period, she says.

“How will the nation continue to be economically strong and maintain a level of socio-economic wellbeing if there are fewer relative contributors to government coffers?”

“People have lost their jobs and lost access to things like parenting leave.

Young people are really getting a raw deal, she says, with the pandemic only adding to the uncertainty.

“We’ve also seen difficulties in having basic needs met, like buying toilet paper and pasta.

“This all has a psychological impact on people and their feelings of insecurity and hope for the future.”

Low fertility rates in 2020 would add to a long streak.

Australian Bureau of Statistics data released in December showed the total fertility rate had declined to a low never seen in Australia’s official national statistics.

The measure, which indicates the average lifetime number of births per woman, fell to 1.66.

Is that a problem? The answer is hotly contested.

“The nation wants young people to be the economic lifeline ensuring the country’s future. But at the same time these pressures added to existing generational inequalities might mean that young generations won’t accomplish the things we take for granted: secure housing, secure careers, and family.”

But former South Australia politician Sandra Kanck says lower birth rates are exactly what Australia – and the planet – needs.

Now the president of Sustainable Population Australia Ms Kanck says there is no depopulation or ageing population crisis.

“Even if we had zero net migration, our population would continue to grow in size slowly until around 2045,” she said.

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Savings to be made through energy planning

By Paul Osborne (Australian Associated Press)

The growth in renewable power generation has pushed down power bills, but a new report warns of higher prices if the coal plant switch-off is not properly managed.

The Energy Security Board on Tuesday released a major report into the health of the national electricity market.

It said without a smooth transition from Australia’s reliance on coal-fired power to renewables, power prices could be pushed higher.

“Properly considered investments in generation and networks should improve overall affordability, but inappropriate investment will not,” the report said.

The shift to wind and solar also needs careful management to ensure the electricity system can consistently meet required settings in terms of frequency and voltage.

Wind and solar are non-synchronous and do not have the same technical characteristics as thermal and hydro power generation. As well, Australia needed to consider how to balance cutting emissions and ensuring reliable electricity.

By the end of 2020, emissions in the national electricity market will be 25 per cent below 2005 levels and by 2030 this reduction is expected to be well over 50 per cent, the report said.

There have been concerns about the closure of NSW’s Liddell plant in 2023-24 putting reliability at risk, but the report notes the upgrade to the QueenslandNSW transmission interconnector is progressing well and local new renewable generation of around 900MW is under way.

Minister for Energy and Emissions Reduction Angus Taylor said the post2025 work was important in keeping the lights on and costs down.

“The national electricity market is at a turning point, with expanding choices, new technologies and large-scale replacement of thermal generation needed as older power stations leave the market,” Mr Taylor said.

“Taking action now is critical and will minimise disruptions, and avoid unintended consequences.”

ESB chair Dr Kerry Schott said there were repercussions from rapid changes in the electricity system, such as the massive popularity of rooftop solar.

“We’re moving in the right direction, but major changes are needed to unlock value to customers and ensure capital investments are made in an efficient and timely manner to deliver the affordable, reliable and secure electricity consumers need,” she said.

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2020 TA Temporary Full Expensing of Depreciation Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset

Announcement (6-Oct-2020)

write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any

Consultation (6-Oct-2020)

value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Since the legislation has been enacted, further amendments will be made to the laws to allow businesses a choice in using full

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

expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. Also, certain large entities will have separate eligibility criteria.

Accelerated Depreciation via Backing Business Investment Businesses with less than $500 million in aggregated turnover can accelerate depreciation deductions for new assets in the 2019-20 and 2020-21 income years. Accelerated depreciation rules for these entities have subsequently been superseded by new ‘temporary full expensing’ legislation in November 2020.

However, the option to use accelerated depreciation continues. Accelerated depreciation is available for assets in the first year the asset would ordinarily claim a deduction. In the first year a deduction is allowable for 50% of the installed cost of the asset plus regular depreciation rates for the remainder.

The Backing Business Investment measures are in concert with the extension of the instant asset write-off.

Announced: 11-Mar-2020 Updated: 7-Dec-2020

However, it may only be relevant for some clients until 6 October 2020, when the full expensing regime commenced. Small businesses using pooling can use a 57.5% write-off for assets purchased after 12 March 2020 that do not qualify for immediate write-off in the 2019-20 income year. Small business entities are also covered by the new full expensing legislation.

Instant Asset Write-off - COVID-19 Tax Stimulus Package The instant asset write-off will be available for the majority of businesses during some part of the 201920 and 2020-21 income years. For purchases between 12 March 2020 and 6 October 2020, businesses under $500 million in turnover can get an immediate tax deduction for assets costing less than $150,000.

In the purchasing time frame, the asset needs to be first used or installed ready for use by 30 June 2021.

In the legislation, the update also extends to the low value pool for the 2019-20 income year. An entity with a small business pool balance of less than $150,000 will be able to write off the entire balance (up

Announced: 11-Mar-2020

from $30,000). For the 2020/21 income year, general small business depreciation pools may be written

Updated: 7-Dec-2020

off in full in accordance with the full expensing rules. The government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgment of the tax return. Subsequent legislation introduced into parliament will allow businesses an option of using the instant asset write-offs or to depreciate new assets over their effective life.

Payment Times Reporting Scheme The Payment times reporting scheme is commencing 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large business. In the publicly available report, information about how quickly a big business pays a small business for goods and services is delivered. This can provide a small business a snapshot regarding how quickly they

Announcement (10-Oct-2020) Intoduced (13-May-2020) Passed (6-Oct-2020)

could expect payment for work with a big business, which may help decision making. Small businesses

Royal Assent (14-Oct-2020

also will have the option of opting out from the reporting scheme. This will mean that their identify as a

Date of effect (1-Jan-2021)

small business will remain unknown to a big business throughout the relationship.

AX UPDATES Corporate Residency Test to Change for Foreign Companies A ‘significant economic connection to Australia’ test is a rule proposed to be added to Australian tax residency for foreign incorporated companies. Announced in the 2020 federal budget, this measure draws on a key recommendation of a Board of Taxation report into corporate residency. The new test will be applied to foreign incorporated companies prior to determining the central management and

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced Passed

control test. As part of the announcement, foreign incorporated companies will be required to pass

Royal Assent

both tests to have their worldwide income taxed in Australia.

Date of effect

Small Business Entity Threshold to Increase Many more businesses will be eligible to access income tax concessions with the passing of legislation which extends thresholds currently reserved for small businesses. These concessions include: •

immediate deduction of certain start-up and prepaid expenses

•

exemption from FBT for car parking and work-related portable devices provided to employees

•

access to simplified trading stock rules

•

access to PAYG instalments based on GDP-adjusted notional tax

•

settle excise and excise-equivalent customs duties monthly, and

•

businesses will have a two-year amendment period to apply to income tax assessments for income

Passed (9-Oct-2020)

years starting from 1 July 2021, excluding entities that have significant international tax dealings or

Royal Assent (14-Oct-2020)

particularly complex affairs.

Date of effect

Announcement (6-Oct-2020) Consultation Introduced (7-Oct-2020)

A business will be eligible to access these concessions if their aggregated turnover is less than $50 million. Mostly, the change in aggregated turnover threshold will take place from 1 July 2021, with different dates to line up with the FBT year. Also, the eligible entity can access the simplified accounting method determination for GST purposes from 1 July 2021.

WA COVID-19 Stimulus Package A range of stimulus measures are being implemented in Western Australia to assist business with cash flow issues resulting from COVID-19. In particular, certain businesses in WA will receive grants, while others will be allowed a waiver of payroll tax for four months. A payroll tax exemption has been extended for new apprentices and trainees in the 2020-21 income year. Also, the future uplift of payroll tax thresholds

Announcement: 17-Mar-2020 Updated: 23-Dec-2020

will be brought forward to assist some businesses with their future obligations.

ACT COVID-19 Stimulus Package Starting in March 2020, the ACT government has announced a series of measures which provide waivers or deferrals of payroll tax. These waivers and deferrals are an attempt to combat the economic fallout from the COVID-19 pandemic. Waivers of ACT payroll tax are available for businesses in hospitality, creative arts and entertainment industries. Deferrals are available for other small and medium-sized

Announcement: 22-Mar-2020 Updated: 23-Dec-2020

businesses. Initially lasting 6 months, some of these assistance measures have been extended into 2021.

FBT Exemption for Retraining and Reskilling Proposed An employer may receive a future exemption from fringe benefits tax when providing employees with retraining or reskilling opportunities. This 2020 federal budget announcement will take affect from 2 October 2020, subject to the passing of legislation. The government has also released a consultation

Announcement (6-Oct-2020) Consultation (22-Jan-2021) Introduced

paper with respect to possible changes to the self-education deduction section for individual taxpayers.

Passed

These measures may provide a tax incentive for employees to change careers, in particular if they are

Royal Assent

about to be made redundant.

Date of effect

JANUARY 2021 | FIND MANNINGHAM

29

FEBRUARY REALESTATE2021

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findmanningham.com.au JANUARY 2021 | FIND MANNINGHAM

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P M

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$ 2,000,000

• 4 • 2 • 3 • 1

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Email your Open Inspections to the Find Maroondah each week and we will update your Open Inspections in the online community paper for FREE.

Jessica Elaine Exclusive Broker

Contact Warren for all of your advertising needs.

Warren Strybosch

1300 88 38 30 email@addresshere.com.au

1300 88 38 30

www.company.com.au

editor@findmanningham.com.au

FEBRUARY 2021

REAL ESTATE AGENT

www.findmanningham.com.au

We invite all Real Estate Agents to list their profiles here. First in, first page.

Be known in your local community and help support all things Manningham.

For listing enquiries call 1300 88 38 30 or email editor@findmanningham.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

JANUARY 2021 | FIND MANNINGHAM

33

Manningham REALESTATE

www.manningham.vic.gov.au

Help Shape the Future of Manningham Manningham Council is looking for community members from across Manningham to join a new community panel and help guide the direction of its strategic plans for the future.

You can now register your interest to join the new pioneering community panel that will play a crucial role in shaping recommendations to Council for the Council Plan, Community Vision, Asset Plan and Financial Plan.

Manningham Mayor Cr Andrew Conlon said registrations for the new community panel are now open and close on Monday 1 March. “Anyone can participate. If you work, live, study, or play in Manningham and have ideas for the future of our city then we want to hear from you.

“The panel will be representative of our community. I encourage everyone to register to get involved – the panel will come together for sessions during March and is a great opportunity to meet new people, discuss ideas and plan for our future.

“As a group, the panel will learn about, discuss and consider feedback from recent community surveys to make

collective recommendations to Council on the key priorities for our major strategic documents.

“We want to make sure we have a panel that represents the shared priorities, aspirations and values of our local community. So be sure to register your interest to get involved today,” Cr Conlon said.

The community panel will meet for a number of sessions during March 2021.

These will be held on weekends or evenings during the week.

If you are looking to be a part of the panel, you will be asked about your background and relationship to Manningham. The panel will be randomly selected from those that register their interest to ensure that the group is representative of the voices in our diverse community.

Submissions close on Monday 1 March 2021.

The new community panel is part of Council’s commitment to deliberative decision-making, an exciting new approach that governments worldwide are adopting and using to engage community members.

The development of Manningham’s Council Plan, Community Vision, Asset Plan and Financial Plan are a crucial part of planning for the future.

For more information, visit yoursay. manningham.vic.gov.au/communitypanel

Registration of interest are now and close on Monday 1March 2021

Register your interest by: • • •

Visiting yoursay.manningham.vic. gov.au/community-panel

Register your

Calling our panel organisers on 9840 9710

interest here

Council News FEBRUARY 2021

Photo Exhibition Captures Manningham Under Lockdown The lights are on and everybody’s home, Manningham Art Gallery’s first exhibition of the year, Empty Streets and Stacked Chairs, documents life in the final two weeks of Australia’s first COVID-19 lockdown in May 2020.

Photographers Bill McAuley and David Wadelton captured this historic moment in a series of poignant images featuring deserted shopping centres, desolated streets, closed schools and masked baristas.

Manningham Mayor, Cr Andrew Conlon said the exhibition has allowed us to document a shared experience from the pandemic and tells many stories of our community and how we’ve been affected in different ways.

“The exhibition tells a tale of the perseverance of the human spirit during an unprecedented time, and explores fear and adaptation with a glimmer of hope shining through,” he said.

“It provides a portrait of Manningham and a snapshot of the different experiences our community has gone through, whether sad or heart-warming.”

The exhibition opens on Tuesday 2 February and is on until Saturday 27 March at Manningham Art Gallery, 687 Doncaster Road, Doncaster.

In person and online artist talks with photojournalists Bill McAuley and David Wadelton are also scheduled during February. Bookings essential.

Bill McAuley Artist Talk Tuesday 16 February 11.00am to 12.30pm manningham.vic.gov.au/artist-talkwith-bill-mcauley David Wadelton Artist Talk Tuesday 23 February 11.00am to 12.30pm manningham.vic.gov.au/artist-talkwith-david-wadelton

All visitors to the Gallery will be required to register their attendance via QR code upon arrival and comply with current COVID-19 guidelines, including physical distancing and the wearing of face masks when it is not possible to keep a physical distance.

For more information about the exhibition, visit manningham.vic.gov.au/ empty-streets-and-stacked-chairs

What’s On

David Wadelton, Bulleen Corner, 2020, digital photograph.

Empty Streets and Stacked Chairs

Immunisation Sessions in Doncaster (Tuesday 9.00 to 11.00am)

Community Grant Information 2021 - Session1

JANUARY 2021 | FIND MANNINGHAM

35

Are you Not-For-Profit in Manningham 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@findmanningham.com.au and we will place it in the paper for FREE.

Manningham

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Bulleen P L A Z A

Eat What’s On This Month

Cafes & Eateries With an expensive range of international cuisines, fresh meat, poultry and seafood, Bullen Plaza is sure to impress. Come and see what everyone’s been talking about.

Shop Events

Offers

Services Financial advisory, travel agents, technology specialists and repairs, shoe cobbling, key cutting, watch and car key battery replacement, public library and facilities, centre management and information, parliamentary office, newsagency, post office facilities and more.

Play News

Fresh Food & Delis A flavor explosion of amazing food, cultural journey’s traditional, homestyle cooking, generous portion sizes, and speciality foods. An amalgation of culturally rich, intense flavored menus at unbeatable prices. Here, you are spoilt for choice.

Bulleen P L A Z A SUNDAY 14TH FEBRUARY

Valentines Day Would you like the chance to win a movie under the stars with your valentine this year? Here is how to win: Spend $20 or more at any store* within The Plaza for your chance to win! Submit entry form and attach receipt into the barrel at the top of the ramp. Entries open 1st February and close 11th February, so get shopping! *Offer excludes Coles

OFFERS LASTS UNTIL 1ST MARCH

Krispy Kreme Summer Special Krispy Kreme is introducing two NEW FLAVOURS in their KREME SHAKE RANGE. The Froot Loops and Coco Pops flavours are what your inner child dreams of. But it gets better… they’ll throw in two doughnuts for an extra $3.45! You don’t want to miss this cereal-ously amazing offer.

SATURDAY 30TH JANUARY

TattsLotto This Saturday there is $5 MILLION DOLLARS up for grabs. Don’t miss your chance and come into Bulleen News & Lotto to buy your ticket today!

JANUARY 2021 | FIND MANNINGHAM

39

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

We will look after your financial affairs so you can enjoy your retirement.

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

findmanningham.com.au

FEBRUARY 2021 | FIND MANNINGHAM

TEACH THE GRANDKIDS TO RIDE UNI-CYCLES

41

RETIREMENT

By Bernard Kelly

Relationships keep us alive – which is why mental health has become a watchword for seniors, retirees and for that new cohort of “modern elders”.

For most of us, those 25-30 years of retirement will ultimately whittle down our relationships and funnel them into clusters of the immediate family, the grandkids, and an ever changing collage of new friends.

As we advance into our retirement years, the interests that we shared with our work colleagues will diverge, and we’ll gradually lose touch.

This is natural, and it’s then that we reach out in new directions, which results in finding new friends.

We’ll all lose friends along the way, but establishing and maintaining new relationships as we age is often simply just a matter of participation.

IMMEDIATE FAMILY One cluster that we’ll always be in touch with is our brothers and sisters, nieces and nephews.

And an annual family reunion, somewhat remote and requiring an effort to get there, will maintain those bonds.

It’s simple to organize.

Don’t bother with early commitments - just tell them that you’ll be there, and invite them to join you.

GRANDKIDS Grandkids are somewhat different, as the goal for your relationship with them is to be remembered.

One quirky approach is to imprint on their minds something very different about yourself. Such as when you have a meal with them, you could always say something like “this is the best Sunday lunch I’ve had all week”. Their parents will roll their eyes, but the kids will remember you fondly for decades.

Or you could teach them to ride a unicycle. You’ll probably need three – one for yourself and two for the grandkids.

They’re really quite inexpensive when you buy them secondhand online. Then you’ll only need an event to prepare

for – such as your local street parade.

The memories that they’ll have will be along the lines “when we were young, granny taught us to ride unicycles for the parade”.

NEIGHBOURS To meet your neighbours, pretend that you’ve recently moved into the street.

Then simply invite them into your home to meet together once a month for a meal.

Just print 37 simple invitations off your computer, then deliver them into letterboxes nearby.

A handful will be intrigued and turn up.

And they’re the vibrant personalities that you’re looking to meet. Bingo!

•

What retirement issues do you have?

Email me and I’ll try to assist.

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

FEBRUARY 2021 | FIND MANNINGHAM

41

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.

1300 88 38 30

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

PROFESSIONAL SERVICES • Architect ------------------------------ 30 • Find Accountant ----------------- 30 • Find Wealth ------------------------- 00 • Bookkeeping ---------------------- 31 • Business Coach ------------------ 31 • Editor|Copywriter --------------- 31 • General Insurance ------------- 30 • Graphic Design ------------------ 31 • Signanges --------------------------- 32 • Mortgage Brokering ---------- 32

SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES

SCOPE OF SERVICES

1. Feasibility Studies

• Feasibility Studies

• Construction Documentation

2. Design Only

• Concept Design

• Building Permit Submission

3. Design and Document

• Design Development • Contract Administration

4. Full service package (and more)

• Town Planning

• 3D Imagery

KATHY ISMAIL ARCHITECT

CONTACT US +61 426 188 744

PO Box 233 Eltham VIC 3095

contact@kirarchitecture.com

www.kirachitecture.com

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

0418 300 096 ABN: 26689211803

sales@heightsafetyinsurancebrokers.com.au www.heightsafetyinsurancebrokers.com.au

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

PAGE

PROFESSIONAL SERVICES

Make your writing ZING! CONTACT US

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

susan@creativetext.com.au

• Business Content Services

0437 127 159 www.creativetext.com.au

Save Your Time & Grow Your Business CONTACT US

SERVICES WE OFFER:

Sum and Substance Bookkeeping,

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

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

Email: hello@leticiaandco.com Web: www.leticiaandco.com

JANUARY 2021 | FIND MANNINGHAM

43

Signarama Mitcham Signarama Mitcham your one sign shop. Using the latest signages technology and highest quality products, Glenn and team at Signarama Mitcham produce eye catching, quality custom signs.

We can design, produce and install the perfect signs to advertise your product, or to inform your customer, while enchancing the image of your company.

If you can think it, we can make it.

PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

• Design • Brand Audits & Consultation • Manufacturing

We offer contact-free installation!

Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime.

Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

Get in touch today.

03 9874 0543

We are open and here to support your business.

Signarama Mitcham

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS OUR SERVICES

Get the Morthgage You Deserve

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

PAGES

LOCAL TRADIES

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

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

INDEX

We are available for Emergency Repairs 24/7

PROFESSIONAL SERVICES • Garage Doors ---------------------- 58 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

in Melbourne and Surrounding Areas

A Garage Door Specialist you can Trust Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call.

• • •

Roller garage doors Security garage doors Electric garage doors

• • •

Wooden garage doors Garage door locks Up and over garage doors

Trustworthy 24/7 Garage Door Installation We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure.

Not only that, but we are available 24 hours a day, 7 days a week.

Contact us with you garage door emergencies at any time of the day or night.

CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED

JANUARY 2021 | FIND MANNINGHAM

45

100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

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JANUARY 2021 | FIND MANNINGHAM

47

PAGES

HOME & GARDEN

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

We want to support local tradies.

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

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

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

HEALTH & BEAUTY

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

We want to support local tradies.

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

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 41 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist.

Contact Us

Areas of Clinical Focus • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly and Torticollis • Tummy Time, Rolling and Crawling • Walking, Limping and Balancing • Sleep Challenges • Dental and Orofacial Myology • Breathing Retraining

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc Grad Dip Paeds Lactation Consultant (IBCLC)

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women

JANUARY 2021 | FIND MANNINGHAM

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SPORTS

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

SPORTS

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

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

JANUARY 2021 | FIND MANNINGHAM

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MANNINGHAM

Support your Local Not-For-Profit

https://www.manningham.vic.gov.au/NEL

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

31 January - 31 January 2022

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

FIND CARD LOCAL OFFERS

S

M A

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findmanningham.com.au/register Please refer to Page 67

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

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

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BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

The best memories are made when gathered around the table.

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

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& Lunch

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COFFEE

TODAY’S GOOD MOOD IS SPONSORED BY COFFEE FIND ADVERTISING COUPONS editor@findmanningham.com.au

1300 88 38 30

S S

M A M A

E L P E L P

Takeaway

Food brings people together on many different levels.

It’s the nourishment of the soul and body: It’s truly love.

FIND ADVERTISING COUPONS editor@findmanningham.com.au

1300 88 38 30

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NEW OFFERS COMING

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FIND ADVERTISING COUPONS editor@findmanningham.com.au

1300 88 38 30

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Coupons &

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

Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons.

Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted.

Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

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

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

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

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

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

Copyright 2021 Find© Pty Ltd.

www.findmanningham.com.au