Find Manningham 2022 February Edition

anningham The

February 2022

WHAT’S INSIDE: 04

LOCAL STORIES

05

COLUMNIST ARTICLES

12

TAX UPDATES

14

REAL ESTATE - RENTAL LISTINGS

15

MANNINGHAM COUNCIL NEWS

38

BIRTH, DEATHS & MARRIAGES

40

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

See full Article on page 4

Erp Paul SMALL BUSINESS INSURANCE BROKERS PTY LTD sales@heightsafetyinsurancebrokers.com.au

THE PARENT WHISPERER theparentwhisperer1@gmail.com 0432 848 418

0418 300 096

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

PL ATINUM SPONSOR

FEBRUARY SPONSOR

FEBRUARY SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

WARREN STRYBOSCH

GENERAL INSURANCE

LAW

MORTGAGE BROKER | FACILITATOR

DEAN BOSMAN

JODIE MOORE

CRAIG ANDERSON

We are looking for business owners who would like to be part of the Find Manningham Network Group.

•

FINANCIAL PLANNER

•

SOLICITOR

•

BOOKKEEPER

•

MARKETING

•

ARCHITECT

•

LEFE COACHING

•

FINANCE BROOKER

•

LAWYER

•

ELECTRICAL OPERATIONS

•

BUSINESS COACH

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WEBSITE DEVELOPER

•

PERSONAL TRAINER

CLUB SPONSORS 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

Your membership will be entitle you to the following: EXCLUSITIVITY

No other business owner in your area of expertise will be able to attend the monthly meetings or advertise in the online paper within your specific region. You won’t just have exclusitivity amongst 20 - 30 people but with over 130,000 people in the manningham Shire.

ADVERTISEMENT

COLUMNIST Write Article each month about your business.

Become known as the expert in your field amongst the local community SUPPORT Be with other like minded business owners who will encourage your endeavours.

REFERRALS

Free advertisement in Find Pages of the online paper.

Recieve referrals from the other business owner’s.

OUR MISSION TO SUPPORT AND PROMOTE ALL THINGS MANNINGHAM.

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

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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.

anningham The

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

Manningham 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

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

The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

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.

ADVERTISING RATES (INCLUDE GST) Available Sizes:

Rates:

• Double Page Spread (408 x 276mm)

$1650

• Full Page (198 x 276mm)

$1100

• Half Page Landscape (198 x 138mm)

$715

• Half Page Portrait (95 x 276mm)

$715

• Third Page (189 x 90mm)

$550

• Quarter Page (97 x 137mm)

$440

• Business Card Size (93 x 65mm)

$275

• Ads Smaller than (85 x 55mm) and Below

$121

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

NEXT ISSUE Next Issue of the Find Manningham will be published on Friday March 4, 2022. Advertising and Editorial copy closes Tueday March 8, 2022.

FEBRUARY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | FEBRUARY 2022

www.findmanningham.com.au

Back to School

By Warren Strybosch

We, at the Find Maroondah, would like to wish all the 2022 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.

Our thoughts especially go out to those school children who must wear masks and take regular RAT’s. To those parents who must administer the RAT’s and help their children remember their masks, on top of everything else you will have to do this year…we feel for you.

If anyone has any encouraging stories about their children’s school experience this year, please send them through to editor@findmaroondah.com.au.

First Friends of Dandenong Creek short film wins Premiers award

By Anthony Bigelow President, First Friends of Dandenong Creek

Congratulations to First Friends who were the winners of the 2021 Premiers Sustainability Award for their short film ‘The Eels of Dandenong Creek’.

The group won the category ('Healthy Environment - Community Champion’) for their film, which highlights the shortfinned eel's amazing lifecycle, their importance to Australia's indigenous nations, and to educate the wider community around the consequences of pollution. All of which is not just unique to Dandenong Creek, but covers the creeks and waterways across Victoria and the eastern seaboard.

The film has been viewed over 35,000 times on their social media platforms so far.

Anthony Bigelow, president for the group said “With education at the forefront of our thinking, we were able to bring together a story that discusses how the actions of urban society have impacted the eels – a species many were unaware of. We were able to work with a group of amazing people to achieve this result, and who added their own unique perspective. We are truly thankful for all of your support, insight and guidance.”

Since a major pollution event in 2017,

we've been yearning to tell the story of our eels, not just for our creek, but for all of the waterways across Melbourne and further afield, and to explain how pollution was affecting their lifecycle.

“It’s been a fascinating journey for us to understand how all of our creeks across the east coast are essential to the eels. It was critical to explain their journey out to the Coral Sea to mate, and then return to live in our waterways for many years, and to then repeat that journey back to their spawning location.” said Bigelow.

If you’d like to see our short film, simply google The Eels of Dandenong Creek.

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

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High Income Earners – beware of one-off income earning events ACCOUNTANT

By Warren Strybosch

If you are a high-income earner, especially someone who is now earning close to $250,000 this financial year, you need to understand how Division 293 applies so you do not get a surprise at tax time.

Division 293 tax is the additional 15% tax on concessional contributions for high income earners. The tax applies when a client’s combined income and nonexcessive concessional contributions for the year are greater than $250,000.

One-off events can result in clients having to pay Division 293 tax when normally their annual income is well below the $250,000 threshold.

Division 293 income definition The definition of ‘income’ used for Division 293 provisions is the total of: •

• • • •

taxable income (excluding any FHSSS* released amount and any assessable super lump sum benefits where the low-rate cap applies for those under 60) amounts subject to family trust distribution tax reportable fringe benefits total net investment losses low tax contributions * First Home Super Saver Scheme

Transfers from foreign superannuation funds that are taxed in the receiving fund and rollovers of taxable component (untaxed element) from untaxed public sector funds are not included as low tax contributions as these amounts don’t count towards a client’s concessional cap.

Payment process After a client submits their tax return and the super funds have reported all contributions for the year, the ATO will determine if a Division 293 tax liability has arisen. The client has a choice of: •

paying the tax liability personally, or

•

having the tax deducted from their super fund (via a release authority provided by the ATO).

• To make this choice, the client can complete an election form on myGov. If this election is not made within the 60day timeframe provided, the ATO will issue a release authority directly to the super fund for payment.

Important note: It is not the responsibility of the employer or the receiving super fund to deduct this additional 15% tax on concessional contributions.

The onus to meet this liability is on the client.

of redundancy (ie the amount over the tax free portion).

•

The sale of an asset resulting in a capital gain.

•

Receiving a taxable super death benefit as a non-dependent beneficiary (eg adult child).

Example: Rory is 50 years of age with a salary of $200,000 p.a. In the 202122 year, he plans to maximise his concessional contributions and will contribute $27,500. His father Jon has an account-based pension valued at $300,000 (all taxable component) and Rory is the sole beneficiary under a binding nomination.

In January 2022, Jon dies, and Rory receives the death benefit resulting in taxable income for the year of $500,000 (noting that the maximum tax rate that will apply to the $300,000 death benefit is 15% plus Medicare).

As Rory’s income exceeds $250,000 for 2021-22, he will receive (possibly unexpectedly) a Division 293 tax liability notice from the ATO for $4,125 ($27,500 x 15%).

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial

What are low tax contributions?

Trap - beware of one-off events

Low tax contributions generally refer to all concessional contributions made in a year less any excess concessional contributions (as the excess amount is already picked up as part of taxable income).

Income (for Division 293 purposes) can increase suddenly in a particular financial year due to a one-off event resulting in an additional 15% tax on nonexcessive concessional contributions made in that year including concessional contributions made using the carry forward of unused cap rules.

Concessional contributions made to defined benefit schemes (both taxed and untaxed funds) and amounts allocated from reserves to the extent that they count towards the client’s concessional cap, may also be included as low tax contributions although the contributions are modified for defined benefit interests, State higher level office holders and Commonwealth justices and judges.

•

Some of the common events that can arise to dramatically increase taxable income and therefore the requirement to pay Division 293 tax include: •

Employment termination payments and leave entitlements that are added to taxable income as a result

advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

FEBRUARY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | FEBRUARY 2022

By Warren Strybosch

SME loan guarantee scheme extended The Treasurer has announced that the SME Loan Guarantee Scheme will be extended by six months. It was otherwise due to finish on 31 December 2021, ie it will now operate to 30 June 2022.

www.findmanningham.com.au

SME Loan Guarantee Scheme Extended

The scheme has been operating since 23 March 2020 and has been "rolled over" a number of times. This extension keeps the same terms and conditions as currently operate, with the exception that the Government will reduce its loan guarantee from 80% to 50%.

ATO draft effective life for e-bikes and e-scooters The ATO has issued a draft effective life proposal for e-bicycles and e-scooters. It suggests a five year effective life for bikes and two years for the scooters.

Comments are due by 25 February 2022.

By Georgie Moore

(Australian Associated Press)

Scott Morrison says he empathises with the travel sector seeking to reopen Australia’s international border, but does not yet have the advice he needs to do so.

The Australian Tourism Export Council said on Wednesday maintaining international border closures “was no longer a viable or sensible approach” to contain COVID-19 and was damaging the tourism, hospitality and farming sectors.

The prime minister told reporters in Sydney an initial opening up to backpackers and some visa holders had been successful.

“The key issue that I’ve tasked our health officials to advise me on in opening up the border to international arrivals is what impact that might have on the hospital system and the pressures that could come from additional people coming into the country at this time,” Mr Morrison said.

Mr Morrison said he empathised with industry leaders such as Qantas boss Alan Joyce. “He knows my very strong commitment to getting to that point as quickly and as safely as we possibly can, so I’m looking forward to making

PM ‘optimistic’ about international travel progress on that issue,” the prime minister said.

“I’m optimistic about that, but cautiously optimistic, as you’d expect me to be.”

ATEC managing director Peter Shelley said Australia now had a higher COVID infection rate than the UK or US. “Given every person arriving in Australia has to be fully vaccinated and tested,

there simply is no greater health risk which would result from reopening our international borders – rather it would provide a huge relief to an already burdened and struggling tourism sector,” Mr Shelley said.

“The hermit kingdom approach to protecting our borders is no longer viable and we need urgent clarity from the government on when we can welcome international visitors.”

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

Mastitis...

Help!

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Photo credit: Flávia Gaga, via Unsplash

LACTATION CONSULTANT

By Dr. Joanna Strybosch

What is it?

Mastitis is a common inflammatory condition affecting 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 usually presents with a red, tender, hot and/or swollen area 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.

What causes it?

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.

How do I manage it?

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.

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 compresseson 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.

What if it doesn’t go away?

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, although 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.

Does it affect my milk?

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.

What else can I do?

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.

See your lactation consultant or GP for further advice.

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com

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www.findmanningham.com.au

Free RAT for DVA and Concession Card holders but should it be free for others as well?

By Warren Strybosch

Only DVA Gold and White Card holders, Health Care Card holders, and other concession card holders can obtain Free Rapid Antigen Test (RAT) kits.

Chemists must prepay for the RAT kits and then on sell them to their customers. For DVA and Concession Card Holders, you can walk into a pharmacy, show your concession card, and receive up to five RATs for free which are being subsidised

by Medicare. Thankfully, this option is available to concession card holders given many would struggle to come up with the required $75 needed to obtain the five tests.

Whilst concession card holders are now able to obtain the RATs, many casual workers feel they should also be receiving free RAT kits. Casual workers have suggested that every person should receive at least two free kits under the Medicare system. Regardless, of who is getting them for free or not, there is still a shortage of RAT kits for Victorians.

Interestingly, the Victorian Government has decided to give free RAT kits to every child attending school this year, however, it is not compulsory to take the RAT even

if symptoms are presenting. It is hard to believe that every parent is going to administer these tests to their children even when there are no symptoms showing.

With shortages or RATs still occurring it is also likely that some school parents will see this as an opportunity to make a few quick dollars by on selling their kits to those in need.

Whilst some workers are struggling to get their hands on a RAT kit, there is likely to be many school families stockpiling their RAT kits for a future event e.g., when they or someone in their family needs to take one so they can get back to work.

Hopefully, we will see a decline in the use of RATs as the year progresses but that does seem a long way away as we see continue to see increased hospitalisations and more and more people getting sick from Covid.

CORPORATE EVENTS Make more meaningful connections with your clients and team!

Visit www.norwoodsportingclub.com.au, call 0467 676 753 or email enquieries@norwoodsportingclub.com.au

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

MORTGAGE BROKERING

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Why Dealing With A Broker is in Your Best Interest

By Jodie Moore

For anyone who is looking to obtain Home Loan finance for a new purchase, refinance their existing loan or complete some renovations to their home, there is a choice to be made on who you engage to arrange the loan for you.

Do you go directly to the financial institution to obtain the finance, or do you engage a broker to arrange this for you? Since the Royal Commission into the banking sector was completed a number of recommendations have been implemented by the government regulators to address misconduct within the banking and financial services industry. Once such recommendation that was implemented last year was Best Interest Duty.

BEST INTEREST DUTY ONLY APPLIES TO MORTGAGE BROKERS, NOT TO BANKS Best Interest Duty (BID) creates the obligation for mortgage brokers to act in the best interests of consumers and, where there is a conflict, to prioritise consumers' interests when providing credit assistance.

The majority of mortgage brokers have always acted in their client’s best interest when providing advice, the introduction of BID now legislates it. However, what has now been created is a clear difference in obligation when dealing with a broker as opposed to dealing directly with your Bank. Mortgage Brokers must act in their client’s best interest, the Bank does not have this obligation.

This is because Mortgage Brokers have access to products and services from many providers, so understanding their client’s requirements and objectives in seeking advice is the basis for making a recommendation on a Home Loan.

A Bank lender has one suite of products to offer, so they don’t have the same obligations as a broker and can act in their employer’s interests, not the interests of the customer.

It is another major reason to deal with a Mortgage Broker rather than going to a Bank directly. Mortgage Brokers have a legal obligation to act in their client’s best interests, providing them with comfort that the recommendation the broker has made is the most suitable to meet their requirements and objectives.

HOW DOES A BROKER APPLY BID WHEN RECOMMENDING A PRODUCT There are a number of factors which may determine what product a broker

will recommend to their clients as the most suitable to meet their particular circumstances, while acting in their best interests.

1.

2.

3.

4.

5.

Price – this will always be a major factor in recommending a product to a client, however is not the only factor. Price includes the interest rate, any Establishment and on-going fees, and mortgage insurance costs if applicable. Recommending the cheapest product on the market may not be in the clients best interest as their circumstances may not meet the policy of the lender. Every client’s requirements are different.

Credit Policy – does the proposed transaction meet the policy of the lender? Lenders all have different criteria when considering a finance application, so the broker needs to be aware of each policy to ensure they do not recommend an unsuitable loan.

Response Times – is the transaction time-sensitive? Will the lender be able to approve and fund the loan in the time required by the client?

This needs to be considered to ensure the broker acts in the client’s best interest.

Product Features – does the product have the features the client may require? Features like 100% offset, a secure rate, redraw.

Conflict of Priority Rule – any conflicts of interest between the client and broker must be satisfied in the client’s favour. So when considering the best product to recommend the BID legislation states ”the conflict

priority rule means that you must not recommend a product or service of a related party that would create extra revenue for yourself, your credit licensee or another related party, unless doing so would also be in the consumer’s best interests”.

In practice, if a broker has two products that would benefit their client, however lender A has an annual fee and offers the broker a higher commission payment, the broker must recommend lender B, even though lender A is still a great fit for their client. This satisfies the conflict priority rule.

Brokers must exercise judgement in the relevance of these factors when making reference to the client’s individual circumstances. So, in satisfying BID the client can rest assured that their broker has spent a significant amount of time ensuring the product recommended is the most suitable and best to fit their requirements and objectives.

As a mortgage broker we always act in your best interests. A lender has no obligation to do so. At SHL Finance we would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 should you want to discuss your finance requirements.

Jodie Moore Director - SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au

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www.findmanningham.com.au

Cyber : Increase your insurability.

GENERAL INSURANCE

By Craig Anderson

Insurers will look for some key indicators when deciding to offer cover, or if declining to quote to insure your business.

One question they will definitely ask is whether there have been any claims, or if there are any known circumstances which may lead to a claim. The answer gives underwriters a clear indication as to whether you are a good risk or not, and this will likely affect their willingness to insure. If you have not suffered a loss, this may still occur, so insurers will ask a lot more questions to gauge their exposure to losses due to activities you undertake, or deficiencies within the business. One area of cover where we are all exposed to risk but few of us are really prepared for is Cyber. As more than 50% of small businesses will fail within 6 months of a cyber-attack this is an area where being prepared, and insured, is of critical importance.

“Cyber insurance helps safeguard your business against online risks such as

accidental data breaches, business interruption, computer hacking, ransomware, IT repair solutions, legal claims and remediating any losses suffered by your customers or clients. A cyber-attack or data breach may cost your business more than just money; it could cause damage to the reputation of your company and put your customers’ personal details at risk” (FTA Insurance).

So how do you get your business to the point where an insurer will offer cover?

Before any claims occur, there are things than can be done to make your business resilient, and more desirable to insure from an underwriter’s perspective.

Identifying and removing weaknesses in cyber security, internal encryption and storage of files, and staff training, needs to be undertaken. The most efficient way to achieve this is to engage an IT Consultant who is ISO27001:2013 accredited to audit your whole IT system, who will find and fix the problems. (ISO 27001:2013 is the International Information Security Standard) The consultant will be able to

put in place the necessary changes, which will protect the business from preventable losses, and reputational damage. When the process is completed, you will be considered by insurers to be a good risk. However as we know from experience, there is still a good chance the insurance will be “worth its weight in gold”, in the not too distant future.

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

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

Find out more

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

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Looking for Financial Planner to list in our Find Aged Care Accommodation Website.

Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

Are you an established and experienced financial planner providing Aged Care Advice?

Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website.

List with us, and we will get you promoted through our website, social media, and local community papers.

Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area?

To learn more about these new opportunities, visit our website at www.findagedcareaccommodation.com.au

Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

1300 88 38 30

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

FEBRUARY 2022 | FIND MANNINGHAM

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2022 TA Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns. The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed. For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Announced: 15-Nov-2021 Updated: 22-Nov-2021

concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021 Updated: 24-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020)

This will assist a small business in decision making by increasing transparency on how quickly they could

Passed(6-Oct-2020)

expect payment for work with a big business.Small businesses can opt out of being identified as a small

Royal Assent(14-Oct-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

Victorian windfall gains tax Royal assent has been given to the windfall gains tax (WGT), which is to be levied on rezoned land in Victoria.

The WGT will apply to rezoning planning decision which will substantially increase the value of land. The WGT will not apply if a rezoning event causes a taxable value of land uplift of less than $100,000.

Announced: 2-Dec-2021

The commencement date for the WGT will be from 1 July 2023, with various deferrals and exemptions

Updated: 3-Dec-2021

available.Information relating to the interaction between the WGT and other federal income tax is yet to be released by the ATO.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of

Announcement(6-Oct-2020)

prior year income tax paid, but is only available for recent income years. The loss carry-back is available

Consultation(6-Oct-2020)

to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 Federal Budget, the ability to utilise tax losses for a refund has been extended by 12 months into the 2022–23 income year. The extension has been introduced into parliament.

Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

AX UPDATES Employee share scheme tax and regulatory changes proposed New legislation has been introduced into parliament which will remove 'cessation of employment' as a deferred taxation point on employee share schemes (ESS). Further draft regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall,

nnouncement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021)

these combined proposals for both ESS participants and businesses may change traditional structuring of

Passed

arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make

Royal Assent

ESS offers to participants in the future.

Date of effect

Intangible assets depreciation changes proposed A proposal to change legislation around intangible asset depreciation has been issued by the Treasury after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory depreciation rates.

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced Passed

If the proposal passes through the legislative process, self-assessed intangible asset depreciation will begin

Royal Assent

for assets first held on or after 1 July 2023.

Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Announcement(8-May-2021) Consultation(12-Jan-2022) Introduced

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns during the second half of 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. Grants of up to $20,000 are available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants were subsequently extended in October 2021. Businesses do not need to re-apply as payments will be automatically paid. The federal government has also announced that these payments

Announced: 22-Mar-2020 Updated: 20-Jan-2022

received will be tax free. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021.

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses. In December 2021, density restrictions in place may have meant that your client has experienced a further decline in turnover.

•

These support measures include:

•

automatic payments for those also in receipt of the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that are cancelled or postponed.

•

For previous measures that were in place in South Australia, refer to our state COVID-19 page.​

Announced: 26-Mar-2020 Updated: 21-Jan-2022

FEBRUARY 2022 | FIND MANNINGHAM

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February REALESTATE2022

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Manningham each week and we will update your Listing in the online community paper for FREE. If Ifyou Warrenon on1300 130088 8838 383030 youhave havequestions, questions, contact contact Warren email:editor@findmanningham.com.au editor@findmanningham.com.au ororemail: FEBRUARY 2022 | FIND MANNINGHAM

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Manningham International Women’s Day Morning Tea

TV and radio presenter Shelley Ware will join the Mayor, Cr Michelle Kleinert and facilitate a discussion with local women from all backgrounds and lived experiences to #BreaktheBias at this year’s inclusive International Women’s Day. This is a free event that will include a presentation, panel discussion and morning tea.

Shelley Ware, a proud Yankunyjatjara and Wirangu woman and radio and television presenter, will facilitate the event.

Shelley presents on local and national AFL football news and is passionate about women in sport, Aboriginal issues, and childhood education. can forge women’s equality, collectively we can all #BreakTheBias.

There will be a lively panel discussion with women reflecting Due to COVID-19 restrictions there are limited tickets are available Manningham’s diverse communities, including; and all attendees must be double vaccinated. Please bring proof of your vaccination status to the event.

Asherly Bradac - disability advocate, Manningham Disability Advisory Committee This is an inclusive and accessible event. Access supports such as Varvara Ioannou - Food For Thought Network Auslan or language interpreters can be requested at the time of Sally Goldner - Transgender Victoria booking.

Aunty Irene Norman - Mullum Gathering Place This year’s theme is #BreakTheBias. Together we’re working Note: We use the term ‘women’ as *female or female-identifying toward a gender equal world that’s free of bias, stereotypes people. This includes transgender people, cisgender people and and discrimination. A world that’s diverse, equitable, and others who identify themselves within the spectrum of the gender inclusive and where difference is valued and celebrated. identity of woman.

Together, we

Changing Places – Finns Reserve Templestowe Funded under the State Governments program, Changing Places at Finns Reserve, Duncan Street Templestowe Lower, was completed in February 2021 but the government has now listed many more spaces available around the state “Our community has always supported those with high support needs and we were pleased to get $100,000 government funding to make this happen.” Said Mayor Cr. Michelle Kleinert.

“Changing Places means more of our community can discover Finns Reserve, one of our most visited spaces and home to Wombat Bend Playspace.

“More of our community can now experience this fun and Over 326,000 Victorians with high support needs rely on access to interactive playspace.”

Changing Places in their local community to access recreational and tourist attractions, parks, community spaces, entertainment Wombat Bend, Finns Reserve, is a wheelchair accessible all and sporting venues. Changing Places provide suitable facilities abilities playspace alongside the Yarra River. for those who cannot use standard accessible toilets.

To find a Changing Places throughout Australia please visit, We are home to one of 90 Changing Places in Victoria. Changing changingplaces.org.au/find-a-toilet/find-changing-placesPlaces are accessible facilities including adult change tables, toilet/ accessible toilets and showers.

Council News FEBRUARY 2022

Improvement works underway at Warrandyte Childcare and Preschool Centre

Warrandyte Childcare and Preschool Centre is currently Cr Kleinert said that she is pleased that the building works could be undergoing improvement works as part of the 2021/22 undertaken over the Christmas/New Year break, avoiding ongoing inconvenience to local families.

Capital Works program.

Cr Kleinert said, “We thank everyone affected by the works for their Manningham Mayor Cr Michelle Kleinert said, “We provide patience.” community facilities that are well used and serve a range of purposes, so maintenance is very important. We currently The works include restumping, interior and exterior painting, new own and maintain more than 200 community facilities. flooring, external civil works and the asphalting of the north side of These Council owned facilities support 39 playgroups Masonic Avenue. External works are expected to be completed in and childcare services throughout the municipality. Other March 2022. more information about childcare and facilities provide youth programs, library services and For preschool services in Manningham, visit recreational opportunities.” www.manningham.vic.gov.au/find-childcare-services

Positive Ageing Alliance

something good, as we all work together to make our city an age friendly city.”

Join the Manningham Positive Ageing Alliance Group (MPAAG) and help guide actions and initiatives that create a positive change for our older residents.

Since it began in 2019, the MPAAG has helped put in place Inclusive Manningham: An Age Friendly City Action Plan and guided the delivery of actions and initiatives that help create positive change for our older residents.

Mayor Councillor Michelle Kleinert is encouraging community members and organisations to apply to be part of the MPAAG.

Submit your expression of interest via the online form or return a hard copy completed form by 5.00pm Friday 25 February.

“We want to hear from residents, community organisations, sporting clubs, local businesses, service clubs, faith groups and others who are passionate about creating a more inclusive community.”

Forms can downloaded from the website or collected from customer service at the Civic Centre, 699 Doncaster Road, Doncaster.

“Please submit your expression of interest today and be part of

Manningham.vic.gov.au/join-MPAAG

Fire Danger Period

The CFA declared a Fire Danger Period from 10 January into March, to help prevent fires from starting, especially when weather conditions are hot and dry. Once the period has been declared, fire restrictions come into force. This means you cannot light a fire in the open air unless you have a permit or comply with certain requirements.

Community Grants

We’re helping not-for-profit groups and organisations to deliver programs and activities to our community through our Community Grants program.

Join one of our free sessions to help you understand the eligibility criteria for each grants and how to best write your application.

FEBRUARY 2022 | FIND MANNINGHAM

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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

Doncaster

Westfield Doncaster is a shopping centre 50% owned by Scentre Group and 25% owned by ISPT and 25% owned by Asia Property Fund located in Doncaster, a suburb of Melbourne, Victoria, Australia. As of July 2014, the Westfield Group became two companies Scentre Group and Westfield Corporation.

We’re here to help Please note, due to COVID-19 certain centre services are currently unavailable

W

Doncaster What’s on this Lunar New Year at Westfield Doncaster Celebrated globally in countries including China, Singapore, Indonesia, Malaysia, Thailand, Cambodia, Australia, Mauritius and the Philippines, Lunar New Year is easily one of the biggest festivals in the world. This year, Lunar New Year falls on 1st February and lasts for 15 days. From offers to special events, here’s a round up of everything you need for the festivities with family and friends, and to welcome a prosperous year of the Tiger.

Nominations for Westfield Local Heroes are opening soon Do you know someone who deserves to be recognised and supported for the positive impact they make to the local community or environment?

Nominations for the Westfield Local Heroes program open 22 February 2022.

Westfield Local Heroes is a recognition and awards program that shines the spotlight on individuals in Australia and New Zealand who make a positive impact to their local community or environment.

Three finalists for each Westfield Centre are then selected to go to a community vote, with the successful hero for each centre awarded a $20,000 grant for the organisation they represent.

Finalists receive a $5,000 grant for their organisation.

WEBSITE DEVELOPER

How to wear linen for every occasion Linen has been a fashion staple for centuries. We’re not exaggerating!

Experts say the linen trade has been going strong since 7000 BCE. Known for being light and breathable, it’s our go-to fabric for summer.

Not only are easy-breezy linen pieces comfortable to wear on hot days, they’re also easy care (unlike other natural fibres like silk). Plus, linen wins points on sustainability – it uses less water, energy and pesticides to produce than cotton. This sunny season it’s upping its versatility game, too. Keep scrolling for the new ways to wear it now.

To the beach Casualwear is where linen shines brightest, and there are options galore for everybody. Try a modern twin set – made up of a relaxed linen shirt and drawstring shorts – in saturated colours and fun prints.

Not a fan of the matchy-matchy look? Team a slouchy button-up with bike shorts for a ‘90s fashion vibe instead. Swishy summer dresses are always a good idea, too. No matter your personal style, you’ll find something in linen. Opt for a slip dress, tiered mini or a ‘70s fashioninspired kaftan. For him, drawstring linen shorts are an easy fit. Add polish with a linen blend short-sleeved polo shirt.

FEBRUARY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | FEBRUARY 2022

www.findmanningham.com.au

RETIREMENT

Did you know?

40.0% is the new permissible interest rate (up from 4.01%) that can be charge to calculate the daily payments for outstanding accomodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

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.

www.findmanningham.com.au

RETIREMENT

By Bernard Kelly MBA

As we transition from one age into another, that’s precisely the time when we should look back on our life, and set new coordinates to enable us to navigate our future birthdays.

It doesn’t have to be something that you want to tell the neighbours about – such as becoming a gray nomad for the next twelve months, and would they keep an eye on the unit for us? – but something more personal can be equally satisfying and achievable – like deciding to find, for the next month, a different meal every evening, on YouTube.

And indeed, for a novice starting to discover totally new recipes, you can’t do better than David Herbert’s divine “Classic Bolognese Sauce”.

Setting new retirement co-ordinates is to start to move out of boredom, and towards fear. And obviously, the rules are (1) small steps are best and (2) don’t ask for permission.

BRAINHQ.com And here’s another pathway to follow – an online habit to keep your brain in pristine mental health. It’s BrainHQ.com This is a personal gym – for your brain. At BrainHQ you can exercise your memory, attention, brain speed, people skills, intelligence and navigation.

Just as our bodies require care and

FEBRUARY 2022 | FIND MANNINGHAM

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Setting New Life Coordinates

Photo by cottonbro from Pexels

exercise during our life, so do our brains.

So go there today!

RETIREMENT IS LIKE POKER You’ve never played poker?

Don’t worry - that’s irrelevant for now however there are some fundamentals about the game that could lead to a better life in retirement.

So you’re holding some cards in your hand. Unlike in real-world poker, you selected some of those cards. Others, you were dealt. You hold what you hold. And it’s how you play that hand in “Retirement Poker” that can have a profound impact on your life.

The goal in Retirement Poker is to continually improve your hand.

If your hand includes a card that you enjoy (e.g. posting videos to YouTube), you can keep it for as long as you like.

If you were dealt some that aren’t serving you well, go ahead and discard them.

Looking to improve your life? Pick up a new card and try it out for a while.

Make a habit of continually mixing in new cards with the cards you’re already holding.

Work to find cards to discard.

For example, if you establish a charity, you may find that you won’t have time for Rotary. New cards frequently displace old cards.

Bernard Kelly MBA writes on retirement lifestyle issues.

His email is bernardkellygeelong@gmail.com

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

More face-to-face Aged Care Specialist Officer services being offered Additional aged care support will now be available at an estimated 80 locations across Australia. The face-to-face service will be provided at Services Australia Service Centres and will assist older Australians with: • • • • •

information on the different types of aged care services available help to organise an aged care assessment help with the appointment of a representative for My Aged Care providing financial information about the various aged care services on offer finding contacts to local support services

Appointments can be booked with a specialist by calling the Aged Care line – 1800 227 475.

More face-to-face Aged Care Specialist Officer services being offered For Financial Planning advice related to Aged Care; the costs involved in moving into aged care facility, how this will have an impact on your age pension, and what the implications will be when considering leaving something to your children, speak to a specialist aged care financial planner.

If there is not a financial planner in your area than continue to revisit this website as more financial planners will be listing soon.

You can search for a specialist financial planner at https:// findagedcareaccommodation.com.au/find-advisers/

FEBRUARY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | FEBRUARY 2022

www.findmanningham.com.au

Pension Loan Scheme – helping retirees obtain more income in retirement FINANCIAL PLANNING

By Warren Strybosch

The Pension Loan Scheme (PLS) is one of few home equity release strategies available to homeowners to access some of their equity whilst continuing to live in it.

Whilst there are a few options available to Australians to unlock some of their wealth from their home in retirement, the Pension Loan Scheme, is managed by the Australian Government, and provides greater certainty for retirees when needing additional funds in retirement.

Some of the other strategies available to retirees to unlock home equity: Reverse Mortgage A reverse mortgage allows a person to borrow money in the form of an income stream, line of credit, lump sum, or combination, using their home equity as security for the loan. The most you can initially borrow is between 20-25% of the value of the home.

When the house is sold (usually at death), the compounding Interest on the loan and the full amount (plus interest and fees) is repaid. This can often result in nothing being left to pass on to the estate. Prior to 2012, a reverse mortgage could have left the estate owing money to the lender, however, since 2012, negative equity protection was introduced, preventing a borrower owing the lender more than the value of their home.

Given the ability for retirees to lose all equity in their home and the higher interest rate that applies, reverse mortgages are considered a last resort when unlocking equity from the home in retirement.

if the house was valued at $1M and you were giving away 20%, the provider may only give you between $100k and $150k for that portion you have sold to them.

The benefit is that there is no interest charged; the provider simply takes their portion value at time of sale.

Equity Release Agreement An equity release agreement involves selling a portion of the value of your home and in return receiving a lump sum or regular payments, whilst continuing to live in the home until it is sold. The fees come out of the remaining equity left in the home which, overtime, gradually reduces your remaining equity owned by you.

When the house is sold, the amount you borrowed plus the total amount of fees owing to the provider would be paid back to them from the sale proceeds. A benefit of these types of equity release schemes is that the proportion you still own can grow in value until the home is sold. Each party, you and the provider gain from the growth of the home until the sale.

Pension Loan Scheme (PLS) The PLS is a type of reverse mortgage administered by the government. It enables people of pension age, who meet certain criteria, to access some of their equity in their property. The payments are made fortnightly and usually top up the age pension or other forms of retirement income. It is available to Australian property owners of pension age, irrespective of whether they receive income support from the Government The PLS, enables a person to receive up to 150% of the full age pension rate, less what they already receive in the age pension.

The Government has announced changes to the Pension Loan Scheme including a change in name and in the annual interest rate.

The Pension Loan Scheme will now be known as the Home Equity Access Scheme to better reflect the initiative it was designed for; namely, a government provided home equity release scheme.

The annual interest rate charged under the Scheme will also reduce from 4.5% to 3.95% from 1 January 2022.

Currently, the only option available under this Scheme is regular fortnightly payments however the Government proposed in the 2021 Federal Budget that from 1 July 2022, the Scheme will be extended to allow up to 50% of the maximum annual rate of pension to be received as a lump sum (limited to two lump sum payments in 12 months). The legislation to implement this change is currently sitting in the House of Representatives and is not yet law.

This information is current as at January 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Home Reversion A home reversion involves selling a portion of the home to a home reversion provider who will in turn give you a lump sum for that portion of the home. The draw back here is that the provider will provide a lesser amount then what the actual value of the portion is worth e.g.,

A full age pension couple can receive an extra $718 a fortnight (roughly $18,670 a year) on top of the age pension. Whereas a self-funded retiree couple can get upwards of $2,154 a fortnight (close to $56,000 a year).

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

www.findmanningham.com.au

FEBRUARY 2022 | FIND MANNINGHAM

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PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

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

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

INDEX PROFESSIONAL SERVICES • • • • • • • • •

Find Accountant ----------------- 5 Financial Planning ------------- 11 Mortgage Brokering ---------- 9 Architect ------------------------------ 00 Bookkeeping ---------------------- 00 Editor|Copywriter --------------- 00 General Insurance ------------ 00 Life Coach -------------------------- 00 Signages ----------------------------- 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.

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PROFESSIONAL SERVICES

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

We provide ourselves in providing honest advice that you can rely on.

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised

1300 88 38 30

www.findinsurance.com.au

Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

We work with only the most reputable insurers to bring you a range of insurance options for you to choose from:

When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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

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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.

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CRAIG ANDERSON GENERAL INSURANCE

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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.

We are open and here to support your business.

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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.

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MANAGING DIRECTOR

We are a unique commercial law firm practising in all states of Australia, with offices in Melbourne, Sydney, and now Brisbane. Our directors have many years in business before practising law which gives us a great advantage in understanding and delivering on our client’s needs and expectations.

dean.bosman@mercantilelegal.com.au 422114300 www.mercantilelegal.com.au

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

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

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Neha Nayyar - Director

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

• Small and Medium Size Business Owners • Setup, Training & Review

Office: (03) 9424 9447

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Neha: 0401 409 573

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Email: info@sumsubstance.com.au

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Website: www.sumsubstance.com.au

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

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Get the Morthgage You Deserve

jodie@shlfinance.com.au

Jodie Moore MORTGAGE BROKER

0478 021 757 www.shlfinance.com.au

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

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www.thebeaumontgroup.com.au/lawyers/

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mfelton@beaumontlawyers.com.au 03 9727 1376

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only 3. Design and Document

KATHY ISMAIL ARCHITECT

4. Full service package (and more)

PO Box 233 Eltham VIC 3095 www.kirachitecture.com

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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 • Coffee Machine Hire ---------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 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.findmannigham.com.au/graphic-design to upload your details and we will create this for you.

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CAPPUCCINOTWO-WEEK TRIAL 100% FREE, LOCAL TRADIES LOCAL TRADIES FOR YOUR WORKPLACE

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HOME & GARDEN

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

We want to support local tradies.

Email your ad to the editor@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.

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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

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HEALTH & BEAUTY

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We want to support local tradies.

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INDEX PROFESSIONAL SERVICES • Book Pouches ---------------------- 41 • Lactation Consultant ----------- 40 • 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 Muscoluskeletal 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 FEBRUARY 2022 | FIND MANNINGHAM

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The Autumn Collection is out now!

0473 039 661 somethingsimplymade@gmail.com www.instagram.com/somethingsimplymade

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

For inquiries call 1300 88 38 30 or email editor@findmanningham.com.au

SPORTS

Donvale Bowls Club ”CHARACTERS”

For many, the local bowling club represents more than just enjoying a game of bowls, it’s a reason to gather, fellowship, camaraderie, and some might insist on the pre-requisite, a quiet one after the game.

Donvale Bowls Club is indebted and beholden to many of our beloved characters which define and distinguish it.

Two such characters at Donvale Barry and Julie Wilkins (Pictured) Barry joining Donvale Bowls Club in 1996 …..Julie 2002.

Their combined contribution to the Donvale Bowls Club during this time is immeasurable.

Barry considered among many of his tributes and accolades, the Constitutional Guru.

He has implemented and amended many of the vital modifications which exist in Donvale’s Constitution today.

A retired Solicitor by profession he was instrumental in the many changes and reforms which occurred when the RVBA became Bowls Victoria When it was decided to have two new sections the Pennant and

Championship Section and the NonPennant and Social Committee, Barry drafted many of the appropriate by-laws for the two new sections.

His belief: “Under successive Presidents and Committees we have a social program other clubs can only dream about”.

The club in or around 2005 was not in a good position, both financially, and attracting members.

Graham Howard a respected prime mover and innovator at Donvale at the time, implemented a 10-year plan to get the clubs finances in order and our membership up to 140, (now 230).

Barry and Julie took on the responsibility of recruitment, increasing activities and numbers.

Introducing and implementing a U3A bowls program, running all year round, involving residents within the Manningham precinct, providing coaching and encouragement in a friendly environment.

Twilight Bowls, during the summer evenings, providing coaching, a social fun game and dinner, a huge success.

Tuesday pairs, a popular winter bowling activity 2-4-2 encouraging and involving new bowlers in particular.

These activities are still active and popular today.

Julie forming such an integral part of this successful partnership, supporting Barry in all his endeavours, taking on the challenging position of Selector from 2006 to 2021. (Some say a candidate for the Guinness Book of Records) Both accredited Coaches…. Both accredited Umpires (Barry level 2)…..

Both awarded Life Memberships In 2015 Barry was nominated and awarded “Volunteer of the Year”.. Yarra Region.

Our thanks and appreciation to Barry and Julie, a life at Donvale well lived!

February 2022

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