Find Manningham 2022 January Edition by Find

anningham The

January 2022

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

MANNINGHAM COUNCIL NEWS

BIRTH, DEATHS & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

See full Article on page 4

Erp Paul

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

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

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PL ATINUM SPONSOR

JANUARY SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

WARREN STRYBOSCH BOOKKEEPER

NEHA NAYYAR

MORTGAGE BROKER | FACILITATOR

JODIE MOORE ARCHITECT

KATHY ISMAIL

WEBSITE DEVELOPER

LAW

SHANE BLEAKLEY

DEAN BOSMAN

GENERAL INSURANCE

LACTATION CONSULTANT

CRAIG ANDERSON

JOANNA STRYBOSCH

SIGNAGES

LIFE COACH

EDITOR | WRITER

IVANA SMITH

GLENN MARTIN

LESLEY-ANNE BANTON

SUSAN PIEROTTI

OCCUPATIONAL HEALTH & SAFETY

SOLICITOR

COPYWRITER

MARKETING

Are you our next Solicitor?

Are you our next Copywriter?

Are you our next Marketer?

COMMERCIAL COFFEE MACHINE HIRE

MARK FELTON

CLUB SPONSORS

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JANUARY 2022 | FIND MANNINGHAM

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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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 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.

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

JANUARY 2022 | FIND MANNINGHAM

FIND MANNINGHAM | JANUARY 2022

By Warren Strybosch

With 2022 now upon us, we have been looking forward to leaving 2021 behind and hoping to hear less about Covid and more about businesses beginning to thrive again, people enjoying their holidays, and everyone being allowed to have the freedoms they once had before. Ironically, I am writing this article as I sit in my caravan whilst the rain comes pummeling down, with the caravan fridge not working, the battery getting very low, and many other families having already packed up and headed home; shortening their summer holiday. I then listen to the news and hear all about the spread of Covid across the country with daily stories of people I know getting Covid, local business suddenly closing their doors because one of their staff or customers having Covid, and watching people start to get nervous about these new strains and the rapid spread that is occurring.

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New Year: A New Start was feeling sore at the time. The person was not trying to be mean or nonsympathetic to my plight, but was, in their way, trying to get me to see that I was still very fortunate.

This period will pass, and things will get better. For 2022, I hope your business thrives, your relationships flourish, and you find joy in the day to day. That is my hope for you all.

To top it off, I sit here with a likely torn rotator cuff and swelling down my right leg. This might have something to do with me falling off my mountain bike twice on a mountain bike trail I have down several times before.

I still have a job, my wife and three teenage kids, whom I love, can still put up with me, we have a house over our heads, good friends around us, good staff in the business, and no one in our family is suffering from any major illness or injuries. Overall, I am very fortunate.

Not exactly the 2022 start I was looking for, but you know what, “it could be worse”. That is exactly what someone said to me when I was feeling sorry for myself…I had an excuse…my shoulder

I share my situation with you in the hope that, whilst some of you are experiencing difficulties right now and may not know what the future holds, to not give up.

During 2022, we will try and provide some encouragement and hope through our articles and stories. If you would like to contribute a story to the Find Maroondah this year that you believe will be of interest or encouraging, please send your submissions to editor@ findmaroondah.com.au.

I hear of friends leaving Victoria and moving to Queensland or WA, with the hope that they will have a better lifestyle in those states than our own.

WE ARE MOVING! New Location: 36-40 New St, Ringwood, VIC 3134

From the Find Maroondah team, we wish you all the best for 2022.

Re-openning on 10th of January

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JANUARY 2022 | FIND MANNINGHAM

Tips For Clear Communication

of 118 men, with 127 wounded and 335 horses destroyed. Lessons learned How does this apply to our 21st-century lives? No matter who you are, there are many times and situations where you will need to send a precise, unmistakable message. A parent emailing the school principal about her child being bullied, a business owner sending a final warning to an employee, a warehouse manager ordering supplies – all require the art of clear communication. If you want to send a message that cannot be misinterpreted (especially one that could save lives!), don’t: • get someone else to draft it • assume the receiver will have all the information you have • give someone to deliver it who gives the wrong information • trust that people will overcome entrenched hostility to one another for the common good.

ACCREDITED EDITOR By Susan Pierotti

We’ve all heard of the Charge of the Light Brigade. It refers to the slaughter of an English brigade in the Crimean War of the 19th century. Did you know they all died because of poor communications? The Crimean War Let’s backtrack a bit. Russia throughout its history has sought a warm water port for its fleet and for essential supply chains, preferably one linked with the Mediterranean Sea. In the 19th century, Russia was expanding its territory across Asia and Europe while its neighbour, the Ottoman Empire in Turkey, was slowly but surely disintegrating. Russia thought to expand into the Black Sea and used the Crimean Peninsula as its diving board into warmer climes. Turkey asked Great Britain and France for help against the invasion, which is why, on a late October day in 1854, the British, French and Turkish armies stared down a valley at their Russian enemy. There were only two mounted brigades, one of which was the Light Brigade. As the name suggests, it consisted of light, fast, unarmoured horses and men armed with lances and sabres, but no guns. They were trained and armed for maximum mobility and speed, not a long march or a hand-to-hand battle. What was that again?

Lord Raglan commanded the entire army. Lord Lucan had overall command of the cavalry units and the Light Brigade was commanded by Lord Cardigan. Lucan and Cardigan were brothers-inlaw—and they hated each other. The problem began when Lucan received a message from Raglan stating: Lord Raglan wishes the cavalry to advance rapidly to the front, follow the enemy, and try to prevent the enemy carrying away the guns. Troop horse artillery may accompany. French cavalry is on your left. Immediate. The Russians were attempting to take away the huge guns up on the hilly rise. What Raglan didn’t realise was that Lucan couldn’t see them. He was down on the flat plain and the only Russians he could see were ahead of him, massed for battle and armed with rifles but with no big guns. To make matters worse, the message had been drafted by someone other than Raglan and delivered by another who, when asked by Cardigan which guns, pointed to the wrong ones! You want me to do what?! Cardigan could have asked for clearer orders but that meant having to swallow his pride and ask Lucan for clarity. Instead, he obeyed the orders and rode in front of his 670 men down a narrow valley flanked on three sides with enemy fire. Lucan never sent the promised horse artillery, thereby sealing the fate

Clear communication is vital in this age of fast internet access. A few helpful tips: • If you are feeling emotional, scribble your first draft with pen and paper, then tear it up. Drink a glass of water, breathe deeply, then go to your computer and start typing. • Show someone else what you’ve written. Accept that you may have left out stuff in your haste to get your thoughts down. • Your reader will respond better to your showing them what the issue is with some offered suggestions on how to solve it, rather than outpourings of how it has affected you emotionally. • Read through everything you’ve written before you click the send button. In fact, why not seek out a writing professional to assist you with all your communication needs? Contact us at info@creativetext.com.au if you want help with business content, life story telling or editing.

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au JANUARY 2022 | FIND MANNINGHAM

FIND MANNINGHAM | JANUARY 2022

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COMMERCIAL COFFEE MACHINE

By Ivana Smith

If you’re a coffee lover and would like to care for the environment, coffee grounds are the perfect ‘green’ answer. Throw out your chemical cleaners and embrace versatile coffee grounds! There are probably as many uses for coffee around the home as your imagination can think of. Here are a few ideas to whet your creative appetite. Air freshener Food, pet odours, sweaty work and sports clothes, shoes – every home has obnoxious smells at some time. The good news is there’s no need to buy an air freshener. Coffee grounds soak up all the odours around them. This is why fresh coffee beans need to be tightly sealed after each use. Dried coffee grounds are another matter. Put used and dried coffee grounds in a bowl or open jar and place it in the offending room. For your shoes and wardrobes, hang an old stocking, sock or cheesecloth filled with dried grounds and tie up with an elastic band. The smells will disappear to be replaced with the fragrant aroma of coffee. Delicious! De-flea your pets Fleas are a common problem in household pets and treating them can be costly and time-consuming. Many of the flea-removal products on the market contain harsh chemicals and can produce unwanted side effects. Unlike Melburnians, fleas don’t seem to like coffee! Simply rub dried coffee grounds throughout your pet’s fur after shampooing, then rinse them off and allow your pet to dry as usual. (Be aware that coffee grounds can be toxic to dogs if consumed.) However, if this treatment does not work, take your pet to a vet. Deodoriser Food such as blue cheese, overripe vegetables and fish can leave unpleasant lingering smells. A small jar of dried coffee grounds on a shelf at the back of the fridge will absorb those unwanted odours. Neutralize smells in the microwave by combining 2 tbsp of grounds with 1/2 cup of water, then heat for less than a minute.

Handy household uses for coffee You can also insert a small open bag of coffee grounds in your rubbish bin to minimise garbage smells. Drain cleaner Is your drain smelling a bit whiffy? It’s easy to fix with the help of leftover coffee grounds. Toss a couple of tablespoons of coffee grounds down the drain, followed by two drops of soap and a kettle full of boiling water. This breaks down the grease, and cleans the pipe, thereby reducing the smell. Don’t do this more than a couple of times per month so you can avoid accidental clogging. Cleaner Say goodbye to harsh chemicals! Use coffee grounds to clean things around the kitchen such as pots and pans, dirty dishes, sinks, stove tops and cooking hobs when they are becoming grimy. Make sure whatever you’re cleaning won’t get stained by the coffee. Place a few teaspoons of coffee grounds on a cloth and scrub the surface with the grounds to scour grease and grime away. Rinse thoroughly once the grease and grime have been removed. Coffee is a mild abrasive so scrubbing your cookware with it won’t scratch it. Dark wood furniture stainer If you have furniture with scratches or scuffs, there’s an easy way to mask the damage. Most staining solutions use toxic materials. Coffee grounds are just as effective while being entirely natural.

Mix coffee grounds with warm water, dip a cotton swab into steeped coffee grounds and dab on scratches. Wait 5-10 minutes, buff the area with a soft rag and see how it looks. Repeat the process if necessary. It is best to first test on an inconspicuous area before applying to the visible parts of the furniture. Hand cleaner Who loves the smell of chopped onions or garlic on their hands? No one! Instead of reaching for the hand cream or soap, try rubbing your hands gently with dried coffee grounds. This will eliminate those smelly odours and exfoliate them at the same time, leaving them smooth and soft. For advice on coffee and how to supply it to office spaces, workplaces 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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JANUARY 2022 | FIND MANNINGHAM

How To Set Yourself Up For Success In 2022 BOOKKEEPER By Neha Nayyar

Well 2021 is finally behind us, hopefully 2022 can only bring us bigger and better things. For many people, January is the perfect time for reflection on the year that was, and goal setting for the future. Setting yourself up for success this year shouldn’t be hard or overwhelming. Here are some simple ideas to get started. Ensure you are on the cloud As technology rapidly advances, it is more important than ever that your business is keeping up. Touch of button reporting, fast payments, invoicing, and payment gateways all help us do business better and faster. Customer expectations are high where technology is concerned, don’t get left behind. If cloud accounting seems overwhelming, talk to a trusted bookkeeper or accountant about your concerns, I am sure they can out your mind at ease.

Use downtime for training When you have downtime in your business, use it to invest in yourself. This is so important and one thing that constantly gets overlooked by business owners. With the online world we live in, “training” is not what it used to be, you no longer need to set aside days and pay big dollars for facilitated training sessions onsite. There is plenty of free training and upskilling out there- start by looking on LinkedIn for free courses, and there are also plenty of paid online courses for whatever niche your business is in. Check out the reviews to make sure they seem suitable and go and learn new skills. Choose courses or training that interest you and that will assist you in building your business. Get your books looked over Are you sure you are on track? Same old spreadsheets being used year after year? By having an expert eye look over your books for a reasonable fee, you can start the year knowing you are on a solid path to growth. By ensuring you have everything in order and the best systems in place, you know you have a great base, and the figures are then one less thing you need to worry about. At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners to make informed business decisions. Please contact us if you would

like more information about our Health Checks. 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 SUBSTANCE www.sumsubstance.com.au 0401 409 573

Leave it to the experts Times have changed, as a business owner, you no longer need to ‘do it all’. There are so many outsourcing opportunities for you to make the most of. By looking into outsourcing, so you will see just how affordable these options may be for things like bookkeeping, marketing, recruitment, event management, admin… etc. Don’t let the word ‘outsourcing’ put you off, think of getting your taxes done by an accountant, that is outsourcing. Ask around, I think you would be surprised at how many business owners outsource many of their tasks, leaving them more time to do what they love- whether it is building their business or spending more time with loved ones.

JANUARY 2022 | FIND MANNINGHAM

FIND MANNINGHAM | JANUARY 2022

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Pedestrians and Forklifts Don’t Mix. OCCUPATIONAL HEALTH & SAFETY By Mark Felton

Tragically, two workers have recently died in Victoria in separate forklift incidents. A 25-year-old worker was killed when standing near a forklift being driven on a sloping driveway. The forklift tipped over, crushing the worker. In a second forklift incident a 49-year-old worker was fatally injured when a large unstable load fell off the fork arms (tines) onto him. Pedestrians make up almost half of all people injured by forklifts. The most common forklift-related injury sustained by pedestrians is crushing. Pedestrians have also lost their lives or sustained traumatic injury when walking across forklift travel paths, doorways or from behind palletised goods or being hit by objects falling: • • •

during the loading and unloading of trucks from an unstable load handled by a forklift from forklifts carrying long, awkward shaped and unbalanced loads

Forklifts are a hazard and, where reasonably practicable, should be eliminated from the workplace, or substituted with other suitable load

shifting equipment. If this is not reasonably practicable, the risks associated with using forklifts must be reduced, using engineering or administrative controls, such as traffic management plans (TMPs). TMPs are the key to separating forklifts from pedestrians, including truck drivers. An effective TMP can include a range of controls, including: • • • •

pedestrian and zones reduced speed (smart forklifts) halos signage

forklift limiting

exclusion devices

Everyone at the workplace, including visitors, must be advised of the site’s TMP. Once risk controls are in place they must be regularly reviewed, especially when an incident occurs or there is a change in work practices, and revised where necessary in line with regulation 121 of the Occupational Health and Safety Regulations 2017 (OHS Regulations). Pedestrian and forklift exclusion zones can incorporate: • • • •

safety zones for truck drivers fixed safety barriers inward opening gates at pedestrian crossings containment fences

•

clearly marked aisle ways, travel paths and pedestrian crossings

If separation by fixed barriers is not reasonably practicable, ensure pedestrians stay outside the advised three metre exclusion zone and do not interact with the load during forklift operations. Do you or someone you know need help in understanding and Identifying hazards associated with forklift use, and developing control measures? I can assist by reviewing the current situation and systems, highlighting any shortcomings. I can then assist in the development and implementation of effective measures to reduce risk. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com.au for an obligation and cost-free initial discussion.

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

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JANUARY 2022 | FIND MANNINGHAM

Your New Year’s Resolution Review Your Finances MORTGAGE BROKERING By Jodie Moore

During the Christmas and New Year period we are focused on spending time with family, perhaps getting away for a well-earned break and preparing to put a difficult 2021 behind us. This time of year is a great time to relax and enjoy being with our loved ones, but it is also a time where a lot of us find ourselves in a difficult financial predicament due to over-indulgence with spending. That’s why the festive season is a great time to review your finances and help yourself into a better position going in to 2022. I have listed below some areas where taking the time to review your finances could have a major impact on saving you money. CREDIT CARD DEBT The most common problem we have once Christmas is over is looking at our credit card statement and wondering how it managed to get so out of control. Should you find yourself in this situation there are a number of potential solutions to help get your credit card debt back under control. 1. Consolidate your credit card debt into a Personal Loan or Home Loan. By consolidating your debts you will have a set term to repay the amount owing at an interest rate which is generally much lower than what your credit card costs. However this may also mean you are paying the debt back over a long term, so you need to be disciplined to ensure you repay the debt quickly. You don’t want to still be paying off this year’s Christmas presents 5 years from now. Set yourself a maximum two year term to repay the debt in full. 2. Reduce your available credit limits. Once your credit card repayment arrangements are in place reduce your available limits to ensure you cannot get yourself into this position again. By having a small limit you will be able to manage the repayments more comfortably and clear the debt without further assistance.

3. Look for balance transfer deals. A number of lenders will offer either low or even zero interest rates on balance transfers of credit card debt. These offers usually come with a time limit to repay the amount owing in full. On the surface this is a great way to manage paying your accumulated debt, however there are potential traps that you should avoid. If you are able to access a balance transfer deal you should cut up the card, so you are unable to use it and add to the level of debt. You can then set up a budget to repay the amount owing within the agreed term. AFTERPAY/ZIPPAY ACCOUNTS Many people are unaware that these types of buy now/pay later options come with a credit limit, and also now appear on your credit records. Banks treat them exactly like a credit card when assessing finance applications, so minimising their use will ensure your credit score is not negatively affected. If you do get into a predicament with these types of accounts then the tips to helping with credit card debt will also apply here. REFINANCE TO A BETTER HOME LOAN Now is also a great time to review your Home Loan to make sure your lender is providing you with the most suitable loan to suit your needs. During the year we are generally so busy with life in general

that reviewing what is usually our largest expense is put in the too hard basket. By taking some time now to see whether your current Home Loan is the best option you could save yourself thousands of dollars in interest and several years in time taken to repay your loan. BUDGETING To avoid getting yourself into a financial predicament in the future set a realistic budget to keep a track of your spending and, most importantly, stick to it. Why most budgets fail is that we place unrealistic expectations on ourselves. By setting realistic goals we are more likely to achieve them. Being consistent and putting smaller amounts into savings on a regular basis is more effective than making larger deposits at random. Your spending habits will also be aligned to your savings goals, but don’t be too hard on yourself if you have a period where you are unable to reach your savings goals due to unexpected expenses. Things happen. At SHL Finance we would love the opportunity to discuss your finance requirements with you. Please call Reece Droscher on 0478 021 757 to find out how we could help you save money or improve your financial situation.

Jodie Moore Mortgage Broker SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au JANUARY 2022 | FIND MANNINGHAM

FIND MANNINGHAM | JANUARY 2022

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SMSF: Where is your trust deed and is it up to date? ACCOUNTANT By Warren Strybosch

For Trustees, it is important to make sure the original trust deed is kept securely and updated when new superannuation laws change; especially where those laws will have an impact on the decisions made by the trustees of the fund. A recent case, Jowill Nominees Pty Ltd v Cooper [2021] SASC 76, has highlighted the importance of ensuring that original trust deeds are kept securely, read and complied with. As highlighted in Jowill, one of the key duties of the trustee is to know the terms of the trust deed and keep the original signed trust instrument safe and secure. If the trust deed is lost, it is very difficult for the trustee to discharge their duties. The duty in this regard is heightened for SMSFs given the interplay of the concessional taxation regime and the legislatively mandated rules around membership and trusteeship. These risks are magnified if, as a further example, it is the trust deed of a related unit trust or limited recourse borrowing arrangement that is lost.

Lost trust deed If a trust deed is lost and reasonable searches and inquiries had been made with all relevant persons, legal and accountancy firms and 3rd party authorities that could have been expected to hold a copy of the trust deed, without success, the trustees might be able to relay on ‘secondary evidence’

to prove the existence of a trust. However, the secondary evidence must be clear and convincing evidence not only of the existence, but also the terms of the trust.

Secondary evidence For a court to be satisfied the secondary evidence is suitable, the text of the missing document must be able to reproduce the trust in full (see for example, Barp Nominees Pty Ltd [2016] NSWSC 990) and there needs to be evidence to satisfy the '3 certainties of a trust', that is: a. the identity of the beneficiaries; b. the property the subject of the trust; and c. the nature of the trust (i.e. whether fixed or discretionary or an SMSF). Often, the information falls well short of producing the full contents of the trust deed and could not be relied upon.

Failure of trust It is a timely reminder for all trust and SMSF advisers that the obligation to act in strict conformance with the terms of a trust deed is perhaps the most important duty of a trustee. Where, the deed has been lost, a trustee cannot discharge this overriding obligation and will be held to be acting in breach of trust. Therefore, if the trustee continued to deal with trust assets and administer the trust, they would effectively cause further breaches of trust, and this could lead to further sanctions. As an example, if a trustee were to make distributions, in the

absence of a trust deed, this would be a clear breach of duty.

Keeping it up to date Not only should the trust deed be read and heeded, it also should be kept up to date. Given the trust deed governs the operation of the Fund and provides guidance to the trustee as to the particular actions they can undertake, it is extremely important to ensure that the Trust Deed remains current and that the Trustee has the authority under the Trust Deed to act to the extent permitted by the legislation. There are numerous instances of when trustee actions have not been permitted due to an outdated trust deed. If the Trustees were to undertake such actions without the authority of the trust deed they could risk, to name a few: • •

•

Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions; Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed; The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

Conclusion Trustees have a duty to account to the beneficiaries of a trust. Having a trust deed in place, that has been read, as well as the terms of the deed being heeded, provides a good starting point to avoiding many of the breaches that might otherwise occur. A trustee needs to discharge its duty by ensuring that the original trust deed is kept secure, but also read; and complied with. Lastly, the trustee needs to review the trust deed to determine if the trust deed needs to be updated to allow them to perform the actions required of them. At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering

WARREN STRYBOSCH

whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

Warren Strybosch

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA

You can call them on 1300 88 38 30 or email

The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn't mean they are not making waves. Meet our Power 50.

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info@findaccountant.com.au

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JANUARY 2022 | FIND MANNINGHAM

Photo credit: Jenean Newcomb vis Unsplashed

Torticollis and Breastfeeding Difficulties LACTATION CONSULTANT By Dr. Joanna Strybosch

In my private osteopathic and lactation consulting practice I see quite a number of babies who have a persistent head tilt or turn. This condition is called torticollis (latin for “twisted neck”) and most of these cases are what we call congenital muscular torticollis. This means the baby was born with it and its origin is muscular. When the sternocleidomastoid (SCM) muscle in the side of the neck is shortened, contracted or tight, it produces a characteristic tilt of the head to the affected side as well as a turn away from that side. In some babies, the head tilt component is more noticeable and in others it is the turn. The condition makes it difficult and uncomfortable for the baby to hold their head straight or to turn it the other way. The cause of congenital muscular torticollis is usually due to the way the baby was positioned in utero. When a developing foetus grows in a restricted position within the confines of the uterus, their head can be abnormally tilted to one side. This persistent position impacts the way the SCM muscle grows and

develops and then after birth the altered tone of the muscle affects its function and we see the characteristic postural changes.

history of difficulty with latching. It is also why I often want to observe and assess a breastfeed when mum reports a head tilt or preferential turn.

Sometimes a baby’s head tilt is not very noticeable at birth, and it is not until the baby reaches a few weeks or even months of age that a caregiver may begin to notice it. However, it can be a missed cause for early breastfeeding difficulties.

As both an Advanced Pediatric Osteopath and an International Board Certified Lactation Consultant (IBCLC), I find combining these two skill sets invaluable in the assessment and management of congenital muscular torticollis and to provide good clinical outcomes.

In order to latch correctly, a baby must be able to position at the breast comfortably. If a baby has restricted movement in their neck from torticollis, there will usually be challenges for baby to turn into the breast on one side and this will manifest as difficulty latching and/or sustaining a latch. Baby may have difficulty latching onto the breast altogether, they may slip on and off repeatedly, they may come off early and cry, or they may tire quickly and stop before they have had a full feed. Baby often has extra difficulty regulating their state, quickly becoming unsettled and overwhelmed at the breast, and unable to relax enough to feed well.

As an osteopath, I usually provide gentle hands-on treatment to massage and relax the tight SCM muscle. I also advise parents on different home-based strategies, such as the best positions to hold baby in while breastfeeding, ways to gently and safely stretch the affected side of the neck and how to use tummy time to effectively assist in the management of this condition. Most babies go on to recover and to breastfeed well.

This is one reason I always assess a baby’s neck during a lactation consultation, and especially if mum describes a

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com JANUARY 2022 | FIND MANNINGHAM

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Christian Super – Must Merge With Another Superfund By Warren Strybosch

APRA, who regulates superannuation funds, has imposed additional licence conditions on the trustee of Christian Super to protect the best financial interests of the fund's members. APRA said the new conditions seek to address concerns from an APRA investigation into Christian Super's investment oversight, governance and strategic decisionmaking. They are also aimed at rectifying Christian Super's persistent investment under performance, which culminated in the fund's MySuper product failing the first annual performance test. Under the terms of the new licence conditions, Christian Super is required to implement a strategy to merge with a larger, better performing fund by 31

review with Warren Strybosch, an awardwinning financial advisor and one of Australia’s top 50 most influential financial advisors.

Book a review appointment before the Merge

You can book a phone call meeting time (he will call you) via his Calendly link at: https://calendly.com/findgroup/15minute-phone-conversation. After the meeting you will be provided with a FREE comparative superannuation report to help you decide whether or not to move your superannuation over to another provider.

If you are a member of Christian Super and would like to know where best to move your superannuation before the merge takes place, then consider having a Free, no-obligation, superannuation

Warren Strybosch, an accountant and financial planner, attends One Community Church, has been married for over 25 years, and has been providing financial advice for nearly 20 years.

July 2022. In doing so, Christian Super is required to engage an independent expert to ensure the merger is consistent with its duties under superannuation law.

Rassawatte Tea By Elwynne Kift

Sometimes curiosity is a good thing! I have no idea of the history of how I came to have this tea cannister & why. I was being really well organised, and cleaning cupboards in the kitchen, last November – 2021- when I came across the cannister. When I was a child, my family used to go to my father's parents farm in- Johnson's Creek, Alexandra. There was an elderly Indian gentleman who used to come with a horse drawn wagon, and sell items to my Grandmother. He quite often stayed the night in his wagon, and my Grandparents would make sure the horse was fed and had enough water. I think I can remember him using the laundry with a big aluminium tub to wash in – because we children were not allowed outside the house during that time. My memory is that my Grandmother used to buy material from him, and I feel that she may also have purchased this tea. She was a very caring person and would have made sure she purchased something from him. She no doubt also would have made sure he was fed for dinner. I can't remember those details.

The history of the tea -- (with thanks to the Kiewa Historical Society.) The cannister contained a blend of Ceylon tea – 1 pound net. The cannister was usually purchased so that the caddy could be used either for tea storage, or for the storage of other kitchen utensils. The agent was W.M. Peterson in Melbourne. The Peterson building was burnt down in a horrific fire in the early 1900's - around 1930's. The Kiewa Historical Society mentioned that the tea was widely drunk as the

normal hot drink to have at evening meal or even at “smoko” where it would be had as “billy tea.” (I somehow remember my Grandmother also having Bushell's tea.) The cannister itself would have originally contained Ceylon tea and is constructed from pressed light steel. It is embossed with the content details and the name of the general tea agent - Rassawatte - The main body of the cannister has been fastened by pressed (not soldered) connections. Just a bit of light reading!!

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JANUARY 2022 | FIND MANNINGHAM

Boosters critical as infections surge By Money and Life

(Australian Associated Press)

Australia has passed the grim milestone of more than 500,000 COVID-19 cases since the pandemic began. The mark was passed on Tuesday after almost every jurisdiction posted record high daily totals, with more than 47,000 new infections. Yet Australia’s Deputy Chief Medical Officer Sonya Bennett told reporters on Tuesday afternoon there were likely more cases in the community than were being officially recorded. She said experts were monitoring the impacts on the healthcare system and hospital capacity, and asked people to wear masks, avoid crowded indoor venues and get a booster if eligible.

“There are things we can do now to work together to bring those case numbers under control,” she said. “The booster program is really the single most important thing we can all do.” The rise in cases comes as Prime Minister Scott Morrison is under increasing pressure to make rapid antigen tests free, with widespread shortages continuing. Finance Minister Simon Birmingham said on Tuesday more than 100 million rapid antigen test kits would become available in the coming weeks but did not provide a set date. He said the federal government was discussing a plan to ensure concession card holders and others would have access to subsidies and discounts on rapid tests. But Opposition Leader Anthony Albanese lashed out at the government’s handling of the issue, calling for greater access to rapid tests.

“The fact is this government is responsible for the largest public policy failure in Australian political history,” he told reporters on the NSW Central Coast. “Australians are being told, ‘You’re on your own and go out and get a rapid antigen test’, but they’re not available in so many areas. “If people are lucky enough to find one, they’re not affordable. And for many

While Mr Albanese has not called for the tests to be made free, he has urged the government to make them more affordable. Australian Council of Social Service president Peter McNamara urged the government to secure better access to COVID-19 tests for the vulnerable. “It’s a massive policy shift from providing free PCR testing for everyone, to expecting people and organisations to pay for their own rapid antigen tests,” he said. “This is the worst time of the year for a sudden change of government policy like this.” Australian consumer watchdog chief Rod Sims said the ACCC was closely monitoring reports of price gouging on rapid tests and promised to crack down on offending retailers. The rapid test shortage coincides with the expansion of the country’s booster program, with an extra four million people becoming eligible from Tuesday. The gap between second and third doses has been reduced to four months, and will shorten to three at the end of January. Senator Birmingham said booster shots were critical following the Omicron surge.

“Australian

health

care

workers

are doing an incredible job with demand to support testing services,” he told reporters in Adelaide. “All the different avenues of distribution (of booster shots) are crucial, whether it’s state clinics or GPs or pharmacies.” Children aged five to 11 are also set to get the vaccine from January 10. Senator Birmingham said there was ample vaccine supply.

“We have doses ready and can start the childhood program on time next week, with the additional surge coming through of different channels of vaccine delivery,” he said. There were 23,131 new cases reported in NSW on Tuesday, along with two deaths, while Victoria posted its first day above 10,000 cases, with 14,020 infections and two deaths. The ACT and Tasmania also had one-day records, registering 926 and 702 cases respectively. There were 5669 in Queensland, while South Australia had 3246, 75 were detected in the Northern Territory and Western Australia had 14 new cases – all related to interstate or international travel and now in quarantine.

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2022, A SIGN OF A GOOD YEAR TO COME • Window Graphics – Turn your storefront or office front windows into a powerful marketing tool with etched and frosted glass looks or create some privacy with seethrough perfs for your windows that don’t compromise your natural light.

SIGNAGES By Glenn Martin

Signs guide and inform us about almost everything. From roadways to shopping venues to healthcare, education, and houses of worship to sports and entertainment venues, we rely on signs to help us navigate our lives. Every business needs identifiers to advertise their location, their hours, and special events. Sign products abound for exteriors, interiors, windows, walls, and even vehicles for new businesses desiring to attract customers for the first time, as well as established businesses that want to update their brand message. Many considerations revolve around what type of sign products work for your business. For the exterior of your business, in terms of standing out in a crowd on a busy city sidewalk or attracting attention from vehicle traffic or pedestrian passers by, Signarama’s exterior sign products include: •

Building Signs – Sophisticated dimensional lettering, LED lightboxes, and back-lit LED signs add a layer of professionalism to your signage and get noticed day or night. Digital displays can be programmed to advertise specials and updated information for clients and passers-by.

• Awning Graphics – Stylish and eyecatching, awning graphics punch up your company’s advertising potential and visual impact in a unique way that may work well with your building’s architectural style.

• Wall Graphics and Murals – Enliven empty wall space with Signarama murals and wall graphics featuring bold logos and hi-res images in your lobby, fitting rooms, break room, hallways, or even in your conference rooms.

• Flags and Banners – Feather and teardrop flags advertise your location with motion that gets the attention of passers-by, as do sophisticated vertical banners and eye-popping horizontal banners. These can be custom designed to suit your needs and made of various materials. • Vehicle Graphics – Fleet graphics, vehicle wraps, decals, custom lettering and magnetic vehicle signs add effective exposure for your business as mobile billboards everywhere you go and everywhere you are parked.

•

Floor Graphics – Vinyl floor decals take advantage of an often overlooked marketing opportunity to advertise or guide customers to your trade show booth or even to a specific sale or promotion in your store.

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

• Freestanding Signs – Elegant monument signs mark entrances in high style. They’re constructed to coordinate with your building’s exterior in carved and sand-blasted finishes. Post and panel signs can make a huge visual impact and businesses can save some money by changing just the faces of their signs from time to time.

Interior signage sets the tone for all who enter your business and can add a unique WOW factor to your interior design. Signarama’s interior sign products include: • Dimensional Lettering – Back-lit channel lettering enhances your brand image on walls, in foyers and reception areas, making a huge first impression.

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

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JANUARY 2022 | FIND MANNINGHAM

3 COOL TIPS FOR YOUR HOME OVER SUMMER

ARCHITECT By Kathy Ismail

With the La Niña climate pattern affecting the holiday weather across Australia this summer, we might not have as many super-hot days as usual. Nevertheless, the occasional day over thirty may see you scurrying for the air conditioner’s remote control. While air conditioning is a blessing, it tends to fill the home with undesirable chemicals, can affect people with allergies badly and is massively expensive to run. What if there were other ways to keep you home efficiently cool? Here are three tips for living in your home with a comfortable room temperature throughout the long summer days and nights.

temperature in your room during hot weather. They are made with three tightly interwoven layers, the one in the middle made of a black thread that blocks sunlight and heat. Triple-weave curtains come with other great advantages. They are mouldresistant, they act as a great fire-retardant and they filter outside noises. They are also easy to care for – just pop them in the washing machine, hang them out to dry, press them with a cold iron if necessary, then re-hang them in the room. Keep them drawn during the hottest part of the day, only opening them again when the sun has shifted away from the windows. You will notice a marked decrease in heat in your home.

1 Curtains and windows Windows draw in heat from the sun. The best insulator for windows is double glazing or proper sealing. If that’s out of your budget or your plans for now, the next best option is triple-backed curtains.

2 Insulation The ability of insulation to control temperature in buildings, especially in the ceiling–roof space, was recognised well before the Pink Batts scandal of the 2000s. (And the reason the government was installing the batts was to help people reduce their power bills by saving on energy consumption – a good thing.)

Something as simple as installing heavy curtains can make a massive difference between enjoying your space and sweltering in it. Triple-weave curtains not only look good, as they drape beautifully, but they have the ability to drop the

Insulating one’s home contributes hugely to warmth in winter and cooling in summer, as anyone who has lived in a home without insulation knows! Insulation also prevents mould and damp from permeating your home.

Did you know that the floors can and should be insulated as well? This is not an issue for more modern homes vvbuilt on concrete slabs, but for homes constructed in the ’70s and ’80s built on wooden stumps, floor insulation is certainly worth considering. Does the idea of emptying everything out of your home and lifting up the carpets and every floorboard make you shudder? Why not talk with an architect about this, as they will have many ideas on how this can be accomplished with your existing flooring arrangements. 3 Eaves When you think about it, a house without eaves is really like person without eyebrows. Our eyebrows aren’t just decorative, just there to give our faces some sort of definition. They actually provide several useful functions, as do eaves. Our eyebrows protect our faces from sweat as eaves protect a home from rain. They prevent our eyes being filled with dirt as eaves prevent dirt and dust from entering our homes. (Just think of all the garden rubbish our eaves collect!) Eyebrows and eaves both protect our eyes (and homes) from glare and heat. In the summer months, the angle of the sun is higher and the temperatures are hotter, but the eaves prevent that light and heat from penetrating your home. Eaves are an important home feature in the quest for cooler temperatures. If your house has narrow eaves that you wish to enlarge, you can do this after applying to your local council for permission to extend them. However, it is quicker and better to ask an architect to do that for you as they are more experienced with council applications and their authority will carry more weight. Contact KIR Architecture at contact@ kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.

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

JANUARY 2022 | FIND MANNINGHAM

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GENERAL INSURANCE By Craig Anderson

Different insurers have different wordings for their policies. Many will add very particular endorsements to their policy wording; either to extend cover, or to remove some aspect of cover. Therefore, it would be foolish to assume that the policy will meet your needs based on price alone. Yet many people assume all policies function in an identical manner, and that the only difference is price. If you were to assume, for example, that a Business Pack Wording from one major insurer is identical to a Business Pack Wording from another major insurer, you would be wrong. If you think that different policy wordings from two insurers will give identical responses to claims you would also be wrong. It does not follow that if one policy covers something then the other must also cover it. How do you know if your existing cover is actually right for you? You could scour through the multiple offerings in the market and establish what suits you best, or you could ask a broker to do the legwork for you. However, if you are the type to take all of your advice from your neighbours while watching them cremate some sausages on their barbeque, then I suggest you rethink your approach. Understanding what an insurance policy

Never Assume contract is designed to achieve will help you understand the limitations of what can be covered. This can take considerable some time and effort. If you have neither the time, nor the inclination to read through and understand the documents, it may be time for you to engage a broker.

For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au

If you have a discussion with a broker about your business, and ensure they have a good grasp of where your risk exposure comes from, you stand a very good chance of putting an effective policy in place. Foreseeable risks can be covered, however no policy is perfect. There is no “magic bullet”. However with some good advice, the risks which cannot be covered under the policy, may be possible to manage out of the business.

before acting on the above advice, you

Elective Surgery Wait Lists to Increase

Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, 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

By Warren Strybosch

Public and private hospitals have temporarily reduced elective surgery to urgent procedures as the number of COVID patients increase. For the time being, hospitals across the state are only performing emergency or elective surgery procedures. The reductions will apply to many private hospitals and not just restricted to public hospitals. It is hoped that these restrictions will reduce the strain currently being placed on the hospital system as the Omicron strain continues to spread rapidly throughout Australia.

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JANUARY 2022 | FIND MANNINGHAM

RAT in demand but States are responsible

for supply By Warren Strybosch

The undersupply of Rapid Antigen Test (RAT) kits is causing frustration and concerns for many business owners and consumers alike. With PCR sites turning away people from as early as 4.30am in the morning, everyone is struggling to know how to move forward. What makes matters worse is that the RAT kits are only free to those who have a Commonwealth seniors health card, a healthcare card, a low-income card, a pension concession card, DVA Gold card or a DVA white card, leaving the rest of Australians having to pay out of their own pockets. The prime minister announced that anyone selling rapid antigen tests at more than a 20 per cent mark up would be in breach of a biosecurity regulation declared by the Health Minister. “And that carries a penalty of $66,000 and up to five years in jail,” he said. “We will include rapid antigen test as those products covered by the export controls that we put in place.” Mr Morrison said a purchasing restriction of one box of rapid antigen tests per person would be put in place. The Government is under pressure to provide free RAT kits and more of them. However, it is estimated that it is costing the government $50,000 per person per year to manage the COVID virus. No wonder the government has moved away from government controls to more of a self-managed approach where people are now required to purchase their own RAT kits, and self-isolate for 7-days if the test comes back positive. Interestingly, it has been heard that the RAT needs to be monitored closely and that at the 15-minute mark, the ‘true’ result will be displayed and after that the RAT test is known to display a negative result even if at the 15-minute mark, the test showed a positive test. The federal government has stated that the states are responsible for the purchase and administration of the RAT kits. Also, the federal government has stated that RAT tests do not need to be reported. As per the norm, the Victorian State Government has once again gone against federal government mandates, not only are they complaining they should not be responsible for providing RAT kits (no wonder Victoria has run out), but the state government are insisting that anyone who records a positive RAT result must report it immediately. Hopefully, the Labor government can find some additional supplies so that business owners and the wider community can get on with their lives.

JANUARY 2022 | FIND MANNINGHAM

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What age should I retire? FINANCIAL PLANNING By Warren Strybosch

Retiring is a big life decision and does not occur overnight. For many it is a thought that usually starts to seriously be considered around age 65 and was likely bubbling from age 55 onwards. For many the decision when to retire is carefully thought out and planned but for some the decision is made for them. Redundancy, ill health, losing one’s job, and most recently, deciding not to be vaccinated, may force you to lose your job and/or leave the workforce before you had intended to do so. We often have clients approaching us as they get closer to age 65 or after they have turned aged 65. Many people believe age 65 is considered the benchmark age to retire. This is likely due to the fact that for many years you could not receive the Age Pension until you turned age 65. Now that the age pension age has increased to age 66 and by 1st July 2023, the eligibility age will age 67, it is likely the benchmark age will move from age 65 to age 67; in fact, we are already starting to see this occur. Australians are very fortunate because there is no legal requirement to stop working. It provides people with the ability to keep working for as long as they want to but for many this is not their desired outcome. Working after age 65 is considered a less than desirable position to find yourself in. Many people are quite capable of looking after their own finances whilst they are working however, we tend to find that they will start seeking advice in their early sixties or as they approach retirement. They want to answer the question, ‘When can I retire?’ or ‘What age can I retire?’ or “Will I have enough to retire and/or ‘What they should do with my assets, and should I consider placing them into super?’ Access to super and the Age Pension Often, the real question they are asking is, “When can I access my super or the Age Pension.” The age rules for each are different, which no doubt causes much of the confusion.

• Preservation age: This is the age when you can access your super provided you have also met a condition of release such as retiring. Your preservation age is between the ages of 55 and 60, depending on your date of birth. The important point to note is that drawing down your super prior to age 55 comes with it tax implications whereas after age 60, any pension income is taxfree.

Once you reach 65, you can access your super even if you haven’t retired. Even then, there is no compulsion to withdraw your super – you can leave it untouched for as long as you like if you have other sources of income. You can also continue making super contributions until you turn 74 (work-test requirements from age 65 to 74 are due to be removed in early 2022).

• Age Pension age: This is the age when you can access a full or part Age Pension. This age will rise progressively to 67 by 1 July 2023.

Accessing your super or the Age Pension is only one component you need to address when considering retirement.

You can still access super and continue to work After age 58 (moving to age 60 by 2024), you can continue working part time until age 65 and replace some income with a transition to retirement pension. This allows you to preserve most of your nest egg while easing into retirement and do some other things you have been putting off until retirement. We believe it is more important than ever to take mini retirements before fully retiring. Too often, we have seen clients push out retirement and once they finally retire, they cannot fulfil their dreams because one partner has become seriously ill. When you stop working after age 60, you can access your super tax free whether you take it in the form of a lump sum, income stream or a combination of the two.

So, when do you retire?

For many people, a big question is whether they will have enough money to live off when they do eventually retire. Interestingly, many self-funded retirees end up spending less and going without to try and maintain their capital base because they fear they will not be having enough in their later years, or because they want to live something for their children. Often, when you do the modelling, many retirees could easily spend more and still have plenty left over at the end of their lives. It is important, before you start dipping into your savings, to think carefully about all the factors that might have a bearing on your retirement finances. These include: •

How long you might live. None of us knows the answer to this, but your general health and well-being provide a clue, as do population

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•

JANUARY 2022 | FIND MANNINGHAM

mortality rates. Today’s 65-year-olds can expect to live to an average age of 84.9 years for men and 87.6 for women, or roughly 20 and 22 years respectively. Many of us will live well into our 90s. Your retirement income needs.

look at all aspects of your financial situation and provide sound advice you can rely on.

This will depend on the lifestyle you hope to lead and how much it costs. As a rough guide, the ASFA Retirement Standard suggests a comfortable lifestyle will cost today’s homeowner retirees about $62,000 a year for couples and $44,000 for singles. Contrast this with the full Age Pension which is currently around $37,000 for couples and $24,500 for singles. That’s quite a gap that must be filled by super and other private savings.

a. Cash flow analysis b. Comparing ‘needs’ vs ‘wants’ c. Obtaining Life-time Income Stream (LIS) quotes d. Discussing various income stream models to determine what is most appropriate for you e.g., do you require an allocated pension, LIS, or both? e. Understanding your future goals and needs f. fPreparing detailed modelling that covers a variety of scenarios e.g., do you keep the investment property, sell the investment property, downsize, and so on. The modelling will also answer all your questions e.g., how long will my super last, when will I get the Age Pension, what are the tax implications of the choices you make, etc. g. Once the modelling scenario has been chosen and you know what course of action is to be taken, we then provide advice regarding the investments to support your chosen scenario. h. We then implement it all and get you set up ready to enjoy your retirement. i. Every six months we then review your situation to make sure it is still relevant and meets your needs now and in the future.

•

Working out whether you will have enough to retire on or not is crucial before you retire. For many people, doing the modelling, is beyond their scope, especially where property or other income generating assets are involved. It is important to seek advice from a professional financial advisor. Find the right advice Australians are staying longer in the workforce, a trend that is likely to continue as the age at which people can access the Age Pension increases to 67. Currently, the average age of retirement has increased to 63. When you start considering retirement, we recommend you seek professional financial advice. A good advisor will

At Find Retirement, we take clients through a rigorous process which includes the following:

At Find Retirement, we don’t want fees to be a barrier to seeking sound financial planning advice. As such, we aim to keep our fees as affordable as possible for the average Dad and Mum client. The first meeting is free and there is no obligation to continue with our services. We encourage you to book a time to discuss your retirement needs with us when you are nearing retirement. 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.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findretirement.com.au www.findretirement.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. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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2022 TA

Partial abolition of the superannuation work test

The work test for making non-concessional or salary sacrifice superannuation contributions is proposed to be removed from 1 July 2022. Currently, members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for non-concessional contributions (including the bring forward rule) will allow members to contribute more to super throughout their lifetime, subject to meeting other requirements. It is noted in the 2021 Federal Budget announcement that the work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions. However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see event ‘Work test exemption for low balance retirees’).

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed Royal Assent Date of effect

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. A recent legislative amendment originally from the 2021 Federal Budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60. This contribution will be outside the current non-concessional rules. To be eligible to make the contribution, they must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed. These contributions are in addition to existing rules and caps and are exempt from the: •

age test

•

work test, and

•

$1.6 million total superannuation balance test

Announcement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed Royal Assent Date of effect(1-Jul-2018)

for making non-concessional contributions.

Victoria COVID-19 package for state taxes Throughout the COVID-19 pandemic, the Victorian government has announced various assistance for businesses who are required to pay land tax or payroll tax. Assistance has been given in the form of reductions, refunds and deferrals of these state taxes. However, not all assistance is applied automatically and requires direct application with the State Revenue Office. Most recently, a 12-month deferral of payroll tax applies to businesses with Victorian taxable wages under $10 million. Also, land tax relief has been extended into 2021 for landlords who provide qualifying rental reductions to their tenants. This has

Announced: 20-Mar-2020 Updated: 2-Nov-2021

recently been extended again in October 2021. The impact statement and letters provide more detailed information for you to correspond with your clients, to ensure they receive all the assistance they are entitled to.

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

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

AX UPDATES 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. 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.

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

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

Announced: 15-Nov-2021

seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Updated: 22-Nov-2021

concession eligibility.

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

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

parliament.

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

Announcement(10-May-2021) Consultation(25-Aug-2021)

by the Treasury around changing both the taxation and regulatory framework for Australian businesses.

Introduced(25-Nov-2021)

Overall, these combined proposals for both ESS participants and businesses may change traditional

Passed

structuring of arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants in the future.

Royal Assent Date of effect

JANUARY 2022 | FIND MANNINGHAM

January 2022 REALESTATE

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: JANUARY 2022 | FIND MANNINGHAM

Manningham

Doncaster Hill Market Doncaster Hill Market is an all-weather market held on the first Sunday of each month from 9.00am to 2.00pm. It is located in the MC Square Plaza and the car park next to Manningham Civic Centre. It is a community based market, featuring local and Australian made designer created goods, combined with fresh produce and artisan made foods.

Immunisation sessions in Doncaster This immunisation session is available to babies, children and adults. The user-pays flu vaccine is available at this session. Please arrive at your booked time. Important information You must wear a mask when attending a session Only 1 parent/guardian per child Anyone with cold or flu symptoms will be turned away at the session What to bring to your session Your child’s immunisation folder, Medicare card. If you have any questions, please call our Immunisation team on 9840 9256.

Council News January 2022

Tunstall Square Market Tunstall Square Market is located at Tunstall Square Shopping Centre, corner Doncaster and Tunstall Road, Doncaster East. The market is held on the last Sunday of the month from 8.00am to 1.00pm. Tunstall Square Market has up to 100 stalls selling an eclectic mix of items from plants, clothing and crafts direct to the public. For more information visit the Rotary Club of Warrandyte/ Donvale.

Do you need support to help your baby learn to sleep? Come along to one of our free information sessions. Through the Maternal and Child Health Sleep and Settling initiative, we are providing support for parents experiencing sleep and settling concerns with their young children. During this session, consultants will teach you an evidenceinformed sleep and settling model of care.

Sleep and settling program Older babies

Topics covered will include: • • • • •

Age specific development Normal sleep patterns Ways to deal with sleep difficulties Information about your wellbeing. There will be time at the end of the session for you to ask questions about your specific situation.

In addition to the sessions, we are proud to provide an outreach service for interested parents. Speak to our Sleep and Settling Specialist at the end of the session for more information. This session is designed specifically for parents of older babies aged between 6 and 8 months. Sessions are also available for newborn babies and toddlers.

Donvale Country Women’s Association first meeting of 2022. All are welcome to come and hear the Rev. Fred Webber on ‘New Beginnings’, and join us for afternoon tea. To find out more about the event, contact President Glenys Ball on 9848 7382 or Secretary Donna Vittorio on 9844 4047. You can also email the Donvale Country Women’s Association at ballbp3@bigpond.com.

JANUARY 2022 | FIND MANNINGHAM

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

Doncaster

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.

New in cinemas: This summer’s must-watch movies Village Cinemas, Level 2 There’s nothing like seeing a movie on the big screen - the booming sound, the comfy seats, the supersized snacks and an hour or two to switch off from everything else and be consumed by the latest blockbuster. Perfect for any occasion whether it’s your first date or one of many, a catch up with the whole crew, or a fun day out with the kids, there’s something for everyone. Pick from the many must-watch movies on this list and strap in with a bucket of popcorn (and maybe a choc top too).

6 tasty ideas for the perfect antipasti platter There’s nothing like seeing a movie on the big screen - the booming sound, the comfy seats, the supersized snacks and an hour or two to switch off from everything else and be consumed by the latest blockbuster. Perfect for any occasion whether it’s your first date or one of many, a catch up with the whole crew, or a fun day out with the kids, there’s something for everyone. Pick from the many must-watch movies on this list and strap in with a bucket of popcorn (and maybe a choc top too). JANUARY 2022 | FIND MANNINGHAM

FIND MANNINGHAM | JANUARY 2022

www.findmanningham.com.au

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.

www.findmanningham.com.au

JANUARY 2022 | FIND MANNINGHAM

LIVE TO 100

Photo by cottonbro from Pexels

RETIREMENT

Improves symptoms of osteoporosis. Improves your immune system.

Cycling offers benefits for exercise with a spouse and/or special friends.

If your personal goal is to live to 100, you’ll need to develop both mentally and physically.

So, once you have checked with your doctor, what are some of the best sports for seniors to consider?

In some respects, maintaining your mental health can be easier – you can just sit at home doing crosswords or sudoku puzzles – but “modern elders” generally prefer to undertake physical exercise in a group setting.

LOW BODY IMPACT

It is easier on your joints than most other sports and you will probably be able to find a cycling club near you, where you can find new friends who can advise you how best to develop in the sport. Cycling is also a great option for local suburban travel when you need to run errands. So you could incorporate a workout into your daily routine.

By Bernard Kelly MBA

There are many sports activities for seniors which have tremendous health benefits but also have low impact on your body. There are even competitive sports for older adults and you can enter different tournaments or competitions. And a list of other benefits would include: • • • • •

Lowers the risk of obesity and heart disease. Reduces stress and improve overall mood. Lowers cholesterol levels. Reducing the risk of depression through social interaction and a greater sense of independence.

• •

Firstly, look for a sports activity that has a low impact on your body, and preferably one that is a team sport. And indeed competitive team sports for older adults cater to both mental and physical wellbeing, and team sports offer friendships. SOME EXAMPLES Golf can offer the best combination of mind games, low impact physical exercise and friendships. If you no longer can walk long distances, carrying your own golf clubs, many golf courses offer motorised golf carts. If the thought of expensive membership fees is a concern, a solution is to join a remote club, but one that has reciprocal rights to a club closer to home.

Other outdoor sports for seniors The list can be endless, but do check out • Nordic walking • Croquet • Lawn Bowls • Walking (UK) football – the rules are much the same, but it’s forbidden to run

Bernard Kelly MBA writes on topics of interest to “modern elders”. Feel free to contact him anytime. His email is bernardkellygeelong@gmail.com

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

JANUARY 2022 | FIND MANNINGHAM

PAGES PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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 • Architect ------------------------------ 15 • Find Accountant ----------------- 10 • Financial Planning ------------- 18 • Bookkeeping ---------------------- 7 • Editor|Copywriter --------------- 5 • General Insurance ------------- 20 • Life Coach -------------------------- 21 • Signages ----------------------------- 13

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.

• Mortgage Brokering ---------- 9

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

Visit Us Here

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

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

JANUARY 2022 | FIND MANNINGHAM

PAGES

PROFESSIONAL SERVICES

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.

www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

ABN: 26689211803

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. Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

• Design • Brand Audits & Consultation

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

• Manufacturing

GLENN MARTIN

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!

Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418

Leadership and Parenting Disruptor Lesley Banton 0432 848 418 www.theparentwhisperer.com.au

PAGES

PROFESSIONAL SERVICES

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

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar

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

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS • INVESTMENT LOAN

Get the Morthgage You Deserve

• COMMERCIAL LOANS • STANDARD VARIABLE & FIXED RATE LOANS

jodie@shlfinance.com.au

• HONEYMOON LOANS

Jodie Moore

• BRIDGING LOANS • INSURANCE

MORTGAGE BROKER

• DEVELOPMENT FINANCE

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.

Areas of Expertise º WHS/ OHS º Manufacturing º Regulatory Compliance

Contact Details mfelton@beaumontlawyers.com.au 03 9727 1376

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

º Business Management º Operations

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

4. Full service package (and more)

PO Box 233 Eltham VIC 3095 www.kirachitecture.com

ARCHITECT

JANUARY 2022 | FIND MANNINGHAM

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 PROFESSIONAL SERVICES • Coffee Machine Hire ---------- 37 • 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.

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.

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

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JANUARY 2022 | FIND MANNINGHAM

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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

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

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.

JANUARY 2022 | FIND MANNINGHAM

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 • 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

PAGES

The Autumn Collection is out now!

JANUARY 2022 | FIND MANNINGHAM

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 hailed as an extremely friendly and welcoming club. It has its characters which define and distinguish it.

Club Pairs Champion, a popular, and valuable club member, involved in all aspects of volunteering and club life. So often at club social functions we are entertained by his love of singing, his vocal prowess and renditions of popular ballads and songs from the shows. He quotes an old African proverb stating,

“when an old man dies, a library burns down”. For those who can remember Doncaster, the early days, White’s Corner, orchards, the abundance of fruit trees, a popular destination for outings and picnics. Stay tuned, soon to be revealed and released is his pending autobiography.

One such character at Donvale is Graeme Archibald Morrison (Pictured) Graeme grew up on his parents’ orchard in Williamsons Road Doncaster, two brothers, Don, and Rob. His mother Leila and father Arch worked hard, long hours establishing the orchard, Arch grubbing the native bush by hand to plant the fruit trees which featured apple, lemon, peach, pear, and plum trees. In the 1960’s many orchards were being subdivided for housing. Graeme seeing the writing on the wall returned to night school for three years, gaining his Matriculation, enabling him to gain entry to Latrobe University where he completed a degree in Bachelor of Agriculture Science. Retaining a position at Hawkesbury Agriculture College as a lecturer in horticulture. After four years he returned to Doncaster establishing a retail nursery with brother Don which they ran for thirty-two years. He married Leonie in his mid-forties had three children – Stewart an Orthopaedic Surgeon, Alastair, a Mechanical Engineer and Fiona, a Veterinary Scientist. Over the years a regular presenter on the 3CR radio gardening program. Graeme currently has 130 different varieties of fruit trees and berry vines in his home garden. He found an interest, a new love which exists today, an affinity with lawn bowls.

JANUARY 2022 | FIND MANNINGHAM

January 2022

FREE ADVERTISING Religious Groups and Churches Services Times

Manningham 1300 88 38 30 editor@findmanningham.com.au

Public Notices

Religious Groups and Churches

FREE Advertising is available related to Services Times and Public Notices.

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

JANUARY 2022 | FIND MANNINGHAM

Birth, Deaths & Marriages January 2022

FREE Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! Manningham 1300 88 38 30 editor@findmanningham.com.au

Birth, Deaths & Marriages

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

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

JANUARY 2022 | FIND MANNINGHAM

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

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findmanningham.com.au/register Please refer to Page 64 - 65

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.

Dining

Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS editor@findmanningham.com.au 1300 88 38 30

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Brekky, Brunch & Lunch 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

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

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

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Takeaway

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

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

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NEW OFFERS COMING

JANUARY 2022 | FIND MANNINGHAM

Entertainment

Dance is the poetic baring of the soul through motion 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.

January 2022

Find Manningham 2022 January Edition

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