Find Manningham - March 2022 Edition

anningham The

MARCH 2022

WHAT’S INSIDE: 04

LOCAL STORIES

05

COLUMNIST ARTICLES

14

TAX UPDATES

16

REAL ESTATE - RENTAL LISTINGS

18

MANNINGHAM COUNCIL NEWS

43

BIRTH, DEATHS & MARRIAGES

60

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

Erp Paul

See full Article on page 4

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

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MARCH SPONSOR

MARCH SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

WARREN STRYBOSCH

GENERAL INSURANCE

LAW

MORTGAGE BROKER | FACILITATOR

DEAN BOSMAN

JODIE MOORE

CRAIG ANDERSON

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

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Your membership will be entitle you to the following: EXCLUSITIVITY

COLUMNIST

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

Write Article each month about your business.

Become known as the expert in your field amongst the local community

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SUPPORT Be with other like minded business owners who will encourage your endeavours.

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Recieve referrals from the other business owner’s.

OUR MISSION TO SUPPORT AND PROMOTE ALL THINGS MANNINGHAM.

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About the Find Manningham

By Warren Strybosch

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

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

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

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

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

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

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

and rolling out over the coming years.

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

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

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

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

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

We value your support, The Find Manningham Team.

anningham The

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 Friday April 8, 2022. Advertising and Editorial copy closes Friday April 1, 2022.

MARCH 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MARCH 2022

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Housing Prices Drop

For the past two years we have seen significant housing growth but now capital city values are starting to trend downwards, according to latest data.

Sydney has posted the first decline in housing values since September 2020.

Whilst the drop of 0.1 per cent is a modest decline, it is an indication of where the market is likely to head for both Sydney and Melbourne over the next 12 to 24 months.

CoreLogic’s national Home Value Index recorded a 0.6 per cent gain in February, the pace of growth had slowed since April 2021 and marked the lowest monthly reading since October 2020.

Stronger housing market conditions were recorded in Brisbane and Adelaide and Hobart, where housing values rose by more than 1.0 per cent in February.

Regional markets remain strong Whilst capital cities are starting to trend downwards, regional Australia continues to record a substantially higher rate of growth than the capital cities.

Over the past three months, housing values across the combined rest-of–state regions increased (up 5.7 per cent), compared to combined capitals that rose 1.8 per cent.

Although the rolling quarterly rate of value growth remains rapid across regional Australia, conditions have eased from its recent peak of 6.4 per cent over the December quarter and is down from a cyclical peak of 6.6 per cent recorded in April last year.

Suncorp Super mergers with QSuper and increases insurance premiums

By Warren Strybosch

Recently Suncorp Super merged with QSuper. Suncorp Super, in a statement to its members, informed them that their insurances held with Suncorp Super would be increasing from the 27th of February 2022.

Suncorp Super encouraged their members to speak to a financial advisor about the increase in insurance premiums.

If you are a previous member of Suncorp Super or QSuper, we would encourage you to make an appointment to speak to an advisor at Find Insurance or Find Wealth. You may be surprised to discover that there may be better insurance and super alternatives available to you.

If you wish to speak to an advisor at Find Insurance or Find Wealth, simply contact them on 1300 88 38 30 or email info@ findwealth.com.au or info@findinsurance.com.au and ask for a free appointment to discuss your insurance and/or super needs.

CoreLogic’s director of research, Tim Lawless, said demographic tailwinds, low inventory levels and ongoing demand for coastal or tree-change housing options are continuing to support strong upwards price pressures across regional housing markets.

www.findmanningham.com.au

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It’s that time of the month NATUROPATH

By Kathryn Messenger

With International Women’s Day on Tuesday 8th March, now is a good time to talk about periods. Having a positive mindset about your cycle can help reduce some of the negative emotions around it. Know that this can be a time to deal with emotions gathered over the last month and a chance to give yourself time for nurture and rest.

Whilst every woman’s cycle has it’s differences, a normal cycle is 28 days (give or take 7 days), last for 4-7 days (give or take 2 days), and loss should be 30ml-80ml (although this can be hard to measure). If your cycle is not within these parameters, or you experience the following, you should see your doctor: Cramping that lasts more than a few days, is a stabbing pain, pain with sex, or clots that are large or dark.

Pain Pain can be reduced with regular exercise and improved diet in the month prior to your cycle. Increasing vegetables, fruit, and protein whilst decreasing sugar and processed white grains can make a big difference. Try to eat a wide variety of vegetables not just the same few, and

Herbal medicine offers natural options for regulating hormones, reducing pain, and regulating the stress response. A naturopath can make a custom mix of herbs to best treat your unique symptoms. eat protein foods such as unprocessed meat, dairy, eggs, nuts, seeds, and legumes.

Ginger is an anti-inflammatory herb that also increases circulation to the pelvic organs and is used for period pain. A 2009 study found ginger to be as effective as ibuprofen in reducing period pain.1 Ginger can be consumed in stir fries, curries, or as a tea. You can boil fresh grated ginger in water, then strain and add lemon or honey to flavour. If you use a tea bag, leave the bag in the mug to make it nice and strong. Consume ginger regularly throughout the day and for a few days for best results.

Curb sugar cravings by going for something sour or bitter which can surprisingly switch off the craving. Try the juice of ½ a lemon or 1 teaspoon of apple cider vinegar in water, or a small handful of bitter lettuce.

1. https://www.liebertpub.com/doi/abs/10.1089/ acm.2008.0311 This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

Cravings Whilst your period may seem like the perfect excuse to sit down with a gourmet tub or chocolate ice-cream, dark chocolate is more likely to satisfy.

Ideally eat 85% cocoa (or more), but you can build up to this if you’re not used to it. If you crave salt, swap chips (crisps) for popcorn or healthy alternatives such as kale chips.

Kathryn Messenger

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www.findmanningham.com.au

Significant material costs lead to dwelling build approvals collapsing in 2022

By Warren Strybosch

With the collapse of housing construction companies like Probuild and building materials doubling in price, it is no wonder dwelling building approvals have collapsed over the last 12 months.

The number of approved residential construction in Australia has plummeted, hitting its lowest figure in almost 18 months and the first decline since October last year.

We have even heard of large home building businesses offering future homeowners up to $50,000 to break their home building contracts given the significant increases in material costs. It is apparently cheaper for them to pay a large break cost than to go ahead and build the new home.

One builder stated that building materials like wood had only increased by 10 cents per metre but over the last 12 months, the price of wood has literally doubled. They stated that they would have to bear the cost of the increase if any building contracts were signed given it is illegal to pass on the increase to the

consumer once a contract has already been signed.

According to the Australian Bureau of Statistics’ data on building approvals in Australia, there were a total of 12,916 total dwellings approved over the month of January, falling 27.9 per cent comparative to December and over 24 per cent compared to the same period last year.

This fall was observed almost across every state, with the decline being felt most distinctively in Victoria (-35.5 per cent), South Australia (-29.2 per cent) and NSW (-25.9 per cent).

The only state that reported monthly growth was Queensland, which saw a marginal increase of 0.5 per cent.

Driving this distinct loss in new dwellings, which is the lowest since June 2020 (12,724), was a dearth of apartments, town houses, and units, which fell 43.6 per cent month-to-month, hitting 4,007.

The same category of dwelling was said to be behind the uptick of approvals reported in December.

However, housing approvals were also reported by the ABS as suffering a sudden fall, hitting 8,712 over January and marking a monthly reduction of 17.5 per cent.

This again was observed across the country, with every state reporting a diminished approval figure, with NSW reporting the smallest decline (-14 per cent) and South Australia the largest (-19.9 per cent).

Compared to January 2021, this new figure for private houses reflects a downturn of 29 per cent.

It is likely, given the large increase in building material costs, that many people will hold off building their new home or an extension, and we are likely to see further declines in new dwellings being built during 2022.

Learn more

Welcome to Miller's Homestead!

Knox City Council and Your Library are reopening the historic Miller’s Homestead (circa 1888) in Boronia for our communities to enjoy.

Miller’s Homestead officially opens on Monday, 7 March 2022 from 9:30am to 12pm and 1pm to 5pm, Monday - Friday.

www.findmanningham.com.au

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WHY ARE FIXED RATES INCREASING?

Photo by Monstera from Pexels

MORTGAGE BROKERING

By Jodie Moore

Over the last 2 years interest rates have been at their lowest level in our country’s history. Since the start of the pandemic in 2020 until September last year, fixed rates of less than 2% were offered by lenders for 2 and 3 year fixed periods. For anyone who decided to lock in a rate during this time, it seems you have made the right call.

Since September interest rates offered on fixed rate loans have steadily increased, with some rates offered increasing by more than 1%, even though the RBA has stated that they are not planning to increase the cash rate until early 2023. So what are the factors that have caused lenders to increase fixed rates when the variable rates offered have not changed?

The main cause of fixed rates increasing is inflation, not locally but from overseas.

Banks and other lenders source their money from a number of different areas, with a large proportion from overseas banks. In the US, for example, inflationary pressures that are the worst in 40 years due to the pandemic will see the Federal Reserve increase rates for the first time since 2018 from April 1st. As the cost of money from these sources has increased, the extra costs are being reflected in the rates offered by lenders here.

While fixed rates are increasing the variable rates offered by some lenders have continued to fall, as the RBA’s cash rate has not changed as yet. Currently you are able to obtain variable rates lower than 2% with a number of lenders.

However inflation is also an issue for us locally, so there is an expectation that the RBA will need to increase rates sooner than the stated 2023 timeline.

This is of particular concern for anyone with a variable rate Home Loan, as budgets may already be stretched with the increased living costs impacting households.

If you weren’t lucky enough to have your rate fixed earlier in the cycle and currently have a variable loan, now would be the perfect time to review your position with a Mortgage Broker, who can recommend a loan structure that would be the most suitable for your particular financial circumstances.

At SHL Finance we are helping our clients navigate their way through the changing Home Loan market to ensure they are in the most suitable products that meet their needs. We would love the opportunity to help you.

Please call Jodie Moore on 0402513213 or email jodie@shlfinance.com.au

Advice given in this article is general in nature and is not intended to influence decisions about investing or financial products. You should always seek your own professional advice that takes into account your personal circumstances before making any financial decisions.

Find out more

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Family Trusts in the ATO Firing Line ACCOUNTANT

By Warren Strybosch

The ATO has released a suite of new guidance products that is set to have a major change on family trust distributions and tax arrangements.

The ATO has released new draft public advice and guidance (PAG) products relating to section 100A reimbursement agreements and division 7A of the Income Tax Assessment Act 1936.

The Draft Taxation Ruling TR 2022/D1 suite is open for consultation and clarifies the ATO’s position on reimbursement agreements under section 100A, and identifies arrangements that will not attract ATO compliance resources.

Draft Taxation Determination TD 2022/D1 outlines when “financial accommodation” arises under division 7A whilst Taxpayer Alert TA 2022/1 highlights arrangements of concern from the ATO where taxpayers are using adult-child beneficiaries of family trusts to avoid tax on income.

The draft Ruling means the ATO may charge Trusts up to 47% tax where a trust distributes funds to adult children and it is found the parents are using those funds instead of the intended beneficiaries, in this case, the adult children.

“We have included explanations of proposed transitional arrangements to support clients to adjust their tax affairs to comply with the draft guidance once it is finalised.”

The products address the situation when certain trust distributions may attract the operation of section 100A or division 7A of part III of the Income Tax Assessment Act 1936 (ITAA 1936), according to the ATO. The guidance will be relevant to any trustee (or controller) of a closely trust that may have concerns about whether the trust anti-avoidance provision in section 100A may apply when trust income is distributed to relatively favourably taxed beneficiaries, but the benefits of that income are enjoyed by others.

It also addresses trusts that intend to, or have in the past, made a private company beneficiary presently entitled to trust income but not paid the amount on the basis that the amount is held in a sub-trust for the benefit of the private company and the arrangement avoids the application of division 7A. “The vast majority of small businesses operating through a trust will not be affected by this public advice and guidance,” the ATO explained.

It has been common practice for family trusts to be set up and income splitting to occur between spouses and other family members e.g., adult children. The ATO is aiming to stop or at least restrict this practice by using section 100A arguing that the beneficiary never used the funds and therefore was not actually entitled to the trust money that was paid to them. If this is found to be the case, then the ATO can tax the trust at the maximum rate of 47% (45% tax + 2% Medicare levy).

If the ATO beings to enforce section 100A, all trustees of family trusts will need to review their income-splitting strategies and how they distribute funds to beneficiaries. It will be important for trustees to have written document in place which adequately explains the justifications as to why a beneficiary is entitled to the revenue generated by the trust. This is going to be paramount for business owners who run their business through a family trust where the main business owner is the key person generate the revenue flowing through the trust and for those who have set up trusts to pass on funds to adult children.

“The draft guidance sets out the ATO’s preliminary but considered views on the interpretation of the relevant law, as well as guidance on how the ATO will administer the ATO view as expressed in the draft products,” the ATO said.

The ATO’s further guidance in PCG 2022/ D1 specifically calls out children-parent arrangements. It is likely these types of arrangements will be targeted resulting in future penalties applying if the ATO conducts an audit. An example might

be where a beneficiary has a significant difference between their entitlement to taxable ‘net income’ and their ‘trust income’ in specific year (not that uncommon) and the ATO thinks the gap is contrived to pay less tax. Again, it will be important to have carefully documented reasons as to how the adult children are using these funds for their own personal use e.g., pay board, petrol, etc.

Another area the ATO will be looking closely at is where a trust pays money to a company in a circular way between a Trustee that holds shares in a Company and then the Company is also a beneficiary that pays dividends to the Trust. The idea being the Company becomes entitled to trust money which the Trustee is really using for its benefit (and which the Trustee should instead be accumulating and paying tax at 47%).

It is advisable that these arrangements cease immediately.

Family trusts have always been in the firing by the ATO and more so since Labor limited the ability of trustees to distribute funds to minors. These new developments, whilst they might add another level of complexity for trustees, does not mean trusts hold no value. They are still a good vehicle for asset protection, and when set up correctly, with the right documentation in place, can still provide a good way of distributing funds to adult-children, and used for income-splitting purposes.

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

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

www.findmanningham.com.au

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Dealing in Crypto? ASIC asks you to get financial planning advice.

By Warren Strybosch

Crypto, like any investment can rise and fall. In the last few months, we have seen crypto currencies fall between 40% to 90% and with a current unstable world economy, it does not look like we will see a rebound in this sector anytime soon.

The most common crypto currency is Bitcoin. At its height in November 2021, it was worth close to $94,000 AUD, and currently it is worth $53,000.

Even before the fall in crypto pricing, ASIC was concerned with the number of people investing in crypto. People had it in their mind that crypto would just continue to rise in price without ever falling. They, those who wanted to invest, were concerned they were missing the boat on such a lucrative opportunity.

However, like with all investments that are driven mainly by fear in greed, crypto has proven to be no different to other investments we have seen in the past.

It will have its amazing ups and downs and trying to ‘guess’ or ‘time’ the market can have devastating consequences for many investors whilst only a few people end up walking away as the winners.

I have heard stories of investors jumping in at the high, watching crypto drop 1015%, leverage up their investment (in otherwards borrow against their current investments), to only see the bottom drop out of crypto after they have borrowed the funds. This has resulted in a margin call whereby they have had to sell down their now worthless investments to cover the borrowings because the lender was concerned, they might not have the ability to pay back the loan. This has resulted in them walking away with a few thousand dollars from the nearly $50,000 they had originally invested. Does this sound familiar? This is what happened with the GFC where investors had margin loans against their investments. Of those who had margin loans during the GFC, approximately 90% of investors had margin calls and were required to either sell down their investments or come up with additional funds to pay back the loan. Time simply repeats itself and the same lessons are being learned, albeit by the next generation.

The biggest issue with crypto investing is income – it simply does not produce any. With all good investments you

should seek growth and income and not simply growth. Yes, you can stake some coins, and this can alleviate some of the issues around price drops, but given there is no income, you are subject to everyone else’s fear and greed driving pricing. This lack of income makes you heavily reliant or hopeful on growth and when it does not occur can cause all kinds of problems as the example above demonstrates. If you do happen to time it right and get some growth, you then must decide when to sell. Once you have sold you are out of the market.

“Setting up an SMSF is one of the most significant decisions you can make relating to your retirement savings,” ASIC said.

With the lack of income that crypto provides e.g., none at all, it is not the most ideal investment to place your money into. Crypto should only be used by those investors who a) don’t need their money, and b) have all the time in the world to watch the price go down. It is not for any investor who needs to rely on those funds to derive an income or may need to repay back the capital in the near future.

“As the trustee of your SMSF, you ultimately bear responsibility for the fund’s decisions and for complying with the law even if you rely on other people’s advice – licensed or otherwise.”

ASIC is so concerned about crypto and the increased market activity whereby schemers are recommending you switch from retail and industry funds to SMSFs to invest in crypto, that they have requested everyone seek financial planning advice from a licensed financial planner before making such decisions. ASIC said that individuals should not rely on social media ads or online contact promoting an “investment opportunity” or “high return” portfolio.

In summary, crypto is an investment that will go and down in value, does not produce income, and should only be considered as an asset class for those investors who have the time and resources behind them to see them through a bearish market, and importantly, to seek advice, from a licensed financial planner, before making any decisions about what to invest in, that includes crypto.

In particular, individuals should be wary of cold calling, text messaging and emails that recommend transferring super to an SMSF or investing in crypto assets via their SMSF. “Australians who decide to self-manage their super should consider the risks before using their SMSF to invest in crypto-assets,” ASIC noted.

The regulator pointed to its own website, Moneysmart and the ATO website as providing resources for information about scams, crypto investments and SMSFs.

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www.findmanningham.com.au

Do you get high at work?

GENERAL INSURANCE

By Craig Anderson

Many tradespeople are qualified to work at height as part of their occupation.

They may use scaffold, EWP (Elevating Work Platform), rope access equipment, or even work on a high-rise rooftop with access via stairs or a lift. Regardless of how they get there, most of them will be aware of their surroundings, and will make every effort to keep themselves and those around them safe and try not to break anything in the process. Some will not have read their Public Liability Policy Wording, and will be unaware that the policy they purchased has a height limit imposed which they exceed without knowing. If they create a bodily injury to a third party or damage to third party property, and they are working above the insured height limit when the accident occurs, the policy will not respond. In other words, they become personally financially liable without the benefit of insurance that suits the activities they undertake in their business.

Policies without height limitations are available. rope access technicians and height safety equipment installers are two trades that spring to mind who are constantly working at heights above those allowed for in some policies, and who require more tailored cover with fewer restrictions. Scaffolders, renderers, painters, glaziers, roofers, plant and equipment techs for example may all require cover at height, depending if they perform commercial or domestic work. For these trades, there really is no reason not to be covered properly when the solution is there waiting.

If you are working at heights, and have no idea if you are really covered, the time to act is now. A review of your policy could ensure you are not exposing yourself to unnecessary financial risk.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au or call 0418 300 096 Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

Gone up in smoke - $42m worth of illicit tobacco ceased and destroyed

By Warren Strybosch

The ATO via “Operation Greyhound”, they have uncovered a large source of illicit tobacco in Koraleigh, New South Wales. The amount covering 24 acres, was estimated to be over 250,000 kilograms in weight, and worth a staggering $42m on the open market.

The ATO undertook significant warrant activity with assistance from officers attached to the Murray River PD Rural Crime Team and the Proactive Crime Team from NSW Police Force. The ATO said that this outcome demonstrates their commitment to detecting, disrupting, and dismantling crime syndicates that grow illicit tobacco.

www.findmanningham.com.au

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Businesses Fudging The Books Are Placed On Notice

By Warren Strybosch

Have you ever gone to pay for something and wondered whether the money you handed over is being recorded correctly for tax purposes? Do you sometimes think, especially when they ask if you want a receipt or not, if the funds are being recorded in a way so as to avoid paying tax? Well, your thoughts might have some validity to them.

The ATO has recently released PS LA 2022/1 Administrative penalties for electronic sales suppression tools. It provides guidance to ATO staff on the application and remission of the administrative penalties for producing, supplying, possessing and incorrectly keeping records using an electronic sales suppression tool (ESST). ESSTs are hardware or software tools designed and used to manipulate sales records, understate income and assist in avoiding tax obligations. The production, supply, possession and use of ESSTs contribute to the black economy and undermine the integrity of the tax system.

What is an ESST? ESSTs are designed to interfere with electronic sales records; that is, they can falsify, manipulate, hide, obfuscate, destroy or prevent the creation of electronic sales records, often without an audit trail showing the interference.

They can take various forms and are constantly evolving, but some examples include: • • •

software that deletes or modifies point of sale (POS) records storage devices (such as back-up drives) containing software that deletes or modifies records POS devices with software that deletes or modifies records.

Penalties apply for producing, supplying, possessing, and incorrectly keeping records using ESSTs, as well as aiding or abetting another to do so.

If you discover an entity has possession of or is using an ESST, in addition to considering if a penalty applies, you should work with the entity to ensure that the ESST is removed so the entity will no longer engage in conduct that can attract a penalty.

Deciding whether something is an ESST To be an ESST, the tool must both be capable of interfering with a record and one of its principal functions must be to interfere with sales records. A modification or additional features added to a legitimate sales system can be an ESST, even if the device or program as a whole is not.

Records are information in any format that explain an entity's transactions or other actions. Precisely what they are and what form they take depends on the circumstances. They generally include tax invoices, receipts and records of sales and all business transaction information.

An ESST must be capable of interfering with records. Typically, a tool can interfere with records if it can: • • •

manipulate, falsify or delete the record of transactions renumber or recharacterise transactions interfere with records without showing an audit trail of the changes.

A tool passes the capability test for an ESST if it can interfere with a record that: • •

an entity is required by a taxation law to keep or make, and has been, or could be, created by a POS system which creates or feeds data into an entity's tax records.

You do not need evidence that the tool has been used to interfere with a record, just that it is 'capable' of doing so.

Criminal prosecutions An entity that produces, supplies or possesses an ESST or uses an ESST to incorrectly keep taxation records may be liable for criminal prosecution.

The ATO may seek prosecution of an offence by conducting a criminal investigation and referring the matter to the Commonwealth Director of Public Prosecutions.

Example 1 - not an ESST - changes are recorded

Bellissima Beans Café Ltd buys a POS system for their new café. This POS system

includes a function to reverse and void transactions. The manufacturer states that this function is for correcting mistakes and generating refunds.

The POS system records all changes to transactions in its history log. It produces a receipt and marks it as a void transaction.

All receipts have sequential transaction numbers so any void transactions with missing receipts can be identified.

Although this function gives Bellissima Beans Café Ltd the ability to delete and reverse transactions, the POS system creates an audit trail, so a reasonable person would not conclude that one of its principal functions is interfering with records. The POS system is not an ESST. Example 2 - possession of an ESST - full remission

The ATO conducts a routine audit of a bookstore owned by Book Worms Pty Ltd (Book Worms). Bob is the director of this company and runs the bookstore.

During the audit, a hidden function within the system allows sales transactions to be deleted or manipulated without leaving a record of the original transaction. As a reasonable person would conclude that one of the primary functions of this system is to interfere with sales records, it is an ESST. Bob is surprised to discover that his system has an ESST and explains that he had no idea that it was there. He had bought the bookstore from Keanu in March 2017, who had not mentioned that there was anything unusual about the business or the equipment. He explains that he had not used the ESST and contacts his POS system supplier immediately to ensure ESST capabilities are removed.

At the conclusion of the audit, no evidence was found that the ESST had been used to alter any of Book Worms’ business records. The audit did not result in any amendments to Book Worms’ income tax returns or BASs. Book Worms has a good compliance history.

Notwithstanding the above, Book Worms is liable to an administrative penalty of 30 units for possessing an ESST. It does not matter that Book Worms came into possession of the ESST before the legislation was enacted.

MARCH 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MARCH 2022

www.findmanningham.com.au

Are you a Financial Planner looking for more clients?

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

List in our Find Aged Care Accommodation Website.

Are you an established and experienced Financial Planner providing Aged Care Advice?

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

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

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

To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

www.findmanningham.com.au

MARCH 2022 | FIND MANNINGHAM

13

COVID-19 $450 payments to cease.

By Warren Strybosch

The Andrew’s government will cease paying the $450 payment to Victorians whilst they await their PCR test results, as rapid swabs make the system obsolete.

The state government announced its test isolation payment will end with demand reducing as rapid antigen tests become more widely available.

Industry Support and Recovery Minister Martin Pakula said Victoria was entering a new phase of managing the pandemic and the program was no longer necessary.

“The recommended testing method has changed with rapid antigen tests providing results within minutes and eliminating the need to miss work while waiting for test results,” Mr Pakula said.

More than 1.2 million payments worth about $545 million have been approved since the system began in July 2020 during the state’s devastating second wave of COVID-19 infections.

Payments will still be available for Victorians who have to self-isolate, quarantine or need to care for someone in self-isolation or quarantine under the federal government’s pandemic leave disaster payment.

List Your Aged Care Facilities with Find Aged Care Accommodation Today.

Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation.com.au) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

MARCH 2022 | FIND MANNINGHAM

13

2022 TA Temporary full expensing of depreciating assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing was extended by 12 months from a 2021 Federal Budget announcement and is now law. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities

Announcement(6-Oct-2020) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022)

will have separate eligibility criteria. Since the original legislation was enacted, further amendments have

Royal Assent

been made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it

Date of effect(6-Oct-2020)

may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Superannuation guarantee exclusion for low-income workers removed The low-income earners’ exemption for employers calculating their superannuation guarantee shortfall will be removed from 1 July 2022. The low-income earners’ exemption states that an employer is not required to pay superannuation guarantee where their employee earns less than $450 in a calendar month. The change that is occurring is a repeal of the subsection of the legislation which provides the employer’s exemption from superannuation guarantee liability. The repeal will not be in place until 1 July 2022. Where

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed(10-Feb-2022)

a client of yours contracts out their payroll function to a third-party provider, best practice is to ensure a

Royal Assent(22-Feb-2022)

relevant update to the system is completed. This may involve contacting the third party or completing a “dry

Date of effect(1-Jul-2022)

run” prior to making any payments.

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 has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget will reduce the age limit from 65 to 60 from 1 July 2022.To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.

nouncement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021)

Downsizer contributions are in addition to existing rules and caps and are exempt from the:

Passed(10-Feb-2022) Royal Assent(22-Feb-2022) Date of effect(1-Jul-2018)

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

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

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

balance of the franking account. The loss carry-back tax offset has been extended by 12 months to include

Royal Assent(14-Oct-2020)

losses in the 2022–23 income year. The amendment is now as the legislation has been given royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions will be removed from 1 July 2022. Prior to the change, super fund members over the age of 65 are required to work at least 40

Announcement(11-May-2021)

hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for

Consultation

non-concessional contributions (including the bring forward rule) will allow members to contribute more to

Introduced(27-Oct-2021)

super throughout their lifetime, subject to meeting other requirements. However, it should be noted that the

Passed(10-Feb-2022)

work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions.

Royal Assent(22-Feb-2022) Date of effect(1-Jul-2022

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’).

First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will increase from $30,000 to $50,000. The increase will apply to withdrawal requests from 1 July 2022 as amending legislation has now passed and been given royal assent. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. The scheme began on 1 July 2017, with voluntary contributions up to $15,000 per year able to be used for an FHSS scheme withdrawal. The withdrawal also includes deemed earnings on the voluntary contributions. The scheme is

Announcement(10-May-2017) Consultation(4-Aug-2017) Introduced(27-Oct-2021)

intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by

Passed(10-Feb-2022)

accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers

Royal Assent(22-Feb-2022)

in limited circumstances. Other administrative changes from the amending legislation include allowing

Date of effect(1-Jul-2018)

individuals to withdraw or amend their application for release prior to receiving payment. Individuals who withdraw or amend an application will not lose their ability to re-apply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Employee share scheme tax and regulatory changes New legislation will remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS) from 1 July 2022. Further regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall, combining both the new legislation and regulations for ESS participants and businesses may change traditional structuring of

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021) Passed(10-Feb-2022)

arrangements. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants

Royal Assent(22-Feb-2022)

in the future. These updates will commence for ESS interests entered into on or after 1 July 2022.

Date of effect(1-Jul-2022)

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.

Announcement(8-May-2021)

Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery

Consultation(12-Jan-2022)

action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Introduced(17-Feb-2022)

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Passed Royal Assent Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) The NSW Government has introduced a financial assistance package for small and medium-sized businesses under pressure in early 2022 as a result of COVID-19. Specifically, eligibility for the Small Business Support Program will be based on turnover levels in January 2022 or the first fortnight of February 2022. The program

Announced: 30-Jan-2022

is similar in nature to the JobSaver program available to businesses in NSW during 2021. Businesses will

Updated: 25-Feb-2022

receive payments based on their level of payroll if they have experienced a minimum decline in turnover.

Applications need to be made through Service NSW and close 31 March 2022.

MARCH 2022 | FIND MANNINGHAM

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17

Manningham

2022 Warrandyte Festival Program Guide ‘CELEBRATE - Together Again’ 18-19 March 2022 with headphones and you get to be the DJ. The music is preloaded direct to the headphones for you to boogie away.

Don’t like the song? Switch channels! There will be 3 streams broadcasting simultaneously so you can take your pick!

Time: 1:00-3:00pm Riverside and 5:00-7:00pm Upper Reserve.

FRIDAY 18TH MARCH FILM FEAST 5:00pm. This is a ticketed event. Film Feast is back for another year. This popular evening of short films will be staged in the Festival Lounge at the Riverbank Stage. Live music by Marsden Williams & 245T and Misty-Lite, food trucks and drinks available from 5:00pm and first film commences at 8:00pm. Prizes proudly sponsored by: Warrandyte Riverside Market, Australia Online, Cocoa Moon, Now and Not Yet Cafe, TerryWhite Chemmart Warrandyte, Ozflix, Palace Films and Ember Dining. Tickets are only $25 - book online: trybooking.com/BWKTW SATURDAY 19TH MARCH PARADE 11:00am. We are very pleased to advise that 3rd time lucky our Festival Monarchs, Val Polley and Tom Bone are looking forward to being in the 2022 Festival Parade. They will lead the parade, Royally carried down Yarra Street in a beautiful Horse Drawn Landau Carriage. All Hail The King & Queen! This year all parade marshalling will be on the West Side of the Bridge roundabout. Vehicles along Yarra Street and pedestrians in Wonguim Wilam Park (Lions Park). Yarra Street will be closed from 10.30am and reopen at 12noon. Marvel at the costumes, cheer on your favourite floats and parade participants.

ENTERTAINMENT: 10.30am. Prior to Parade. Musicians playing near 77 Yarra Street and at the top of Stiggants Street.

12:00pm. Welcome to Country & Opening Ceremony on the Main Stage 12:45pm. Community Group and School Performances on the Main Stage 1:00-2:00pm. Hoo Doo Mayhem. (10pce Soul & Funk Band) will play at lower reserve in the area below the Community Church.

2:00-3.30pm. Invey Horn Band I (12-15 piece band from Inverloch) in conjunction with Havana Palava will perform at lower reserve below Community Church.

ROVING PERFORMANCE ARTISTS. Look out for a Giant Giraffe, Tall Water Drops, Dreamy Bear and her Handler, and Wild Roving Animals, Bubbleologist with amazing bubble machine, and more….

SILENT DISCO New to the Festival and so much fun! For all ages, it’s dancing

ACTIVITIES Flutterilla the Caterpillar Did you know caterpillars grow to 200 times their original size?

In the heart of the jungle lies a rare specimen - Flutterilla the Caterpillar. When she hatches, Flutterrilla is very very hungry.

She also wants to fly, but she doesn’t have any wings…well, not yet. Flutterilla the Caterpillar is a tongue-in-cheek tale of transformation told with puppets of all sizes. It is an interactive children’s show and presentation including real life butterflies and caterpillars. Presented by Butterfly Adventures and developed with Sanctum Studio.

Free Street Art Workshops Blender Studios has the perfect workshop for you. Watch a demonstration of some spectacular street art from Blender street artists, before taking on a piece of your own. Two Fabulous Street Art Workshops to suit: artists, budding artists and art enthusiasts of different ages, Stencils or Freehand. Learn the foundations of mural design and how to translate sketches into large scale mural works using spray paint.

Roll Up, Roll Up, Roll Up - Kids Ruccis Circus workshops and Acrobatic Shows Circus performances and workshops. Be entertained by dazzling acrobatic feats and roving circus performers across the Festival reserve Saturday afternoon. Aspiring circus performers of all ages can learn how to hoop, juggle, toss and spin with the help of circus coaches and equipment provided.

DUCK RACE 2:30pm. The much loved International Duck Race is back for 2022! After a 2 year hiatus, our yellow racers will compete again for glory in the race that stops Warrandyte! Help cheer them on from start to finish and see who will win the Duck Race Trophy for 2022. From 2.30pm in the Yarra River.

BATTLE OF THE BANDS After the strong line up in 2019, we expect a competitive battle at the Stiggant’s Stage from 3:30pm Saturday. Controlled Chaos, Doomsday Pilot, Riffer’s Den, Zen Jackson, Drei Kleinen Jazzschweine, Ride to the River, Whittens Lane and 3am Already will be kicking off the afternoon with a range of Jazz, RnB, Blues, Rock, Folk, Indie and Pop. Professional music industry judges will award the first to third prizes which include a recording session at Jet Studios, the audience will choose the band to receive the People’s Choice Award and the Mayor of Manningham will award the Mayoral Prize for the first time in the Battle’s history.

MAIN STAGE LINEUP 6:30pm Leslie D King and The Trembling Shakes With influences drawing far and wide from The Alabama Shakes and Nathaniel Rateliff & The Night Sweats to Big Smoke and Steve Smyth, stellar musician Leslie D. King and his carefully hand-picked band will kick things off.

Council News MARCH 2022

DuckStart

Community Garden

community displays

Ruccus Trapeze Roving Band Base

3x3 change tent

Shelter 2

Silent Disco

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Private parking

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community displays

Duck finish

butterfly adventures

lanterns

River Stage

TarpsmahalCircus Tent

tables/umbrellas friday night only

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Harburgers Paddock

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Lower Reserve

Community Church

Shelter 1 community group

2x(3x3)

community food

Private parking

Playground

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Scout Hall 4.5x4.5

lanterns

Main Stage

Scout car park

4.5x4.5 3x3 PA tent

Blender Studios Stencil

Festival Caravan/info

3x3 DA Tent

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food vendors 4.5x4.5 Wild Life-day Silent Disco night

Blender Studios Spray

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Fenced Vegeta�on Area

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S�ggants Reserve food vendors

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General Reserve Layout March 2022

After two years of cancelled festivals, these guys have consistently shown up ready to take the stage… SO it is our pleasure to finally be bringing their spine-cracking, hip-shaking, toe-tapping rock ‘n soul music to The Warrandyte Festival.

7:30pm. JAZZPARTY JAZZPARTY are the naughty kids of Melbourne’s underground Soul Jazz scene, never ones to enjoy being boxed into any genre, they bend the rules and challenge most people’s idea of what music is or should be but never fail to put on a real show that has audiences blown away and desperate for more.

8:30pm. The Scrims - Warrandyte Festival favourites The Scrims will close out the night!

The Scrims (previously The Scrimshaw Four) are a high energy, folk/dance band featuring Banjo, Guitar,Violin, Double Bass and Stomp-box. Having formed as a busking band The Scrims play at a bombastic pace combining their voices and instruments to form a rollicking billy-cart ride of a sound. Authentic. Rootsy.

Bluegrass and Swing. Real Tasty!

FOOD AND COMMUNITY STALLS A variety of food stalls and community information stalls will be located on upper and lower reserves on Saturday. Food and drink stalls will remain on upper reserve during Saturday evening entertainment.

SCOUTS’ GIANT WATER SLIDE 12:00pm - 5:00pm. Have fun on the giant water slide located between Main Stage and Stiggants Street. BYO bathers and towel. Change tent available and small charge applies.

SPONSORS Warrandyte Festival is primarily sponsored by Manningham City Council and Nillumbik Shire Council.

Appreciative thanks for support from the following local sponsors: Australia Online CFA Brigades Cocoa Moon Drivers in the parade Ember Dining Hire Depot Jock Macneish Local schools Now and Not Yet Ozflix Palace Films Park Orchards Primary School (posters) State Emergency Services Striking Productions Swift Caravans TerryWhite Chemmart Warrandyte The Haarburger family Traffic Works Victoria Police Warrandyte / Park Orchards Scout Group Warrandyte Community Association Warrandyte Community Bank Branch Bendigo Bank Warrandyte Diary Warrandyte Neighbourhood House Warrandyte Riverside Market Warrandyte’s Arty Farty Folk MARCH 2022 | FIND MANNINGHAM

19

Manningham

Have your say on the future of Wonga Park Reserve Manningham Council is developing a masterplan for the future development and usage of Wonga Park Reserve and wants the community to get involved.

The 7.7 hectares reserve is currently used for activities including cricket, football, netball, tennis, walking and jogging, BMX riding, play, barbecues and picnics.

The masterplan will provide clear direction for the design and development of the reserve over the next 15 years.

Manningham Mayor, Cr Michelle Kleinert said Wonga Park Reserve is the largest open space area managed by Council in the Wonga Park area.

“The reserve is a fabulous community resource that offers sporting and leisure activities unmatched in Wonga Park.”

“We want to know what is important to our community about Wonga Park Reserve and improvements that they would like made.”

Community members can have their say on the future of Wonga Park Reserve by providing feedback and ideas at yoursay. manningham.vic.gov.au/wonga-park-reserve-masterplan As the project progresses, details of feedback sessions and updates will be added to this page.

Go Soccer Mums Program Welcoming our Muslim community to ISANA Warriors GO Soccer Mums program.

GO Soccer Mums is a 6 week introductory football (soccer) program designed specifically for women. Participants will have fun, meet new people, and learn basic football skills in a judgment-free environment.

It’s not just for mums - but for all women, from all walks of life. It doesn’t matter if you have never kicked a football before. No experience is necessary and anybody can take part.

What to bring: a drink bottle.

What to wear: shoes and clothes that allow you to move, run and kick.

Sessions will run for 1 hour.

Register your attendance: via the Football Victoria website

Warrandyte Rotary Art Show The Rotary Club of Warrandyte and Donvale presents the 2022 Warrandyte Art Show - “A heritage steeped in art.”

This event is run in conjunction with the Warrandyte Festival.

The event opens on Friday 18 March at 7.00pm and will continue over the weekend.

Artists are invited to submit their artwork. Prizes will be awarded for the following categories: • • • • • • •

Best in Show Best Oil or Acrylic Best Work on Paper Highly Commended Best Small Painting People’s Choice Award Submissions close 1 March.

More information is available at the Rotary Club of Donvale and Warrandyte or by emailing artshow@warrandytedonvalerotary. org.au.

Council News MARCH 2022

Community Legal Services Available in Manningham Eastern Community Legal Centre (ECLC) has been awarded $50,000 per year for four years through Manningham Council’s Community Partnership Grants Program.

support individuals in the communities across Manningham.

This funding will support the Centre’s work in the municipality through the ‘Promoting Legal and Social Wellbeing in Manningham’ program (2022-2025).

− 78% had experienced family violence

“Access to legal services is one of the ten priority outcomes of the Community Grants Program,” said Mayor Michelle Kleinert.

− 37% are from multicultural families

“This service is essential, and we are very pleased to support this great organisation and the work they do for our community.”

ECLC CEO Michael Smith said, “ECLC is delighted and grateful to receive increased support from Manningham. The support reflects our deepening partnership with Council and will enable the team to expand vital work across the municipality. The program will assist multicultural communities and provide legal support to community members, especially those experiencing family violence, elder abuse, or mental health issues.”

The Centre provides community members, professionals, and partners with increased access to free legal advice, legal information, and legal secondary consultation services.

Despite the challenges experienced throughout the COVID-19 pandemic, the Centre has continued to

Client statistics over the past 12 months show:

− 33% disclosed having a disability or mental illness

− 41% had experienced financial disadvantage

ECLC will continue to work actively with agencies, partners, and the community of Manningham to deliver increased services to the community.

How to transition from gas to an all-electric home

• your eligibility for the wide range of rebates All Manningham residents who attend on the night will go into the draw to win a Virtual Home Energy Assessment worth $225!

As gas prices increase and more people are looking at ways to reduce their carbon footprint, the transition to an all-electric home is both financially appealing and a sure way to take action against climate change.

This information session will help you understand: • • •

economic and environmental benefits of reducing your household gas (and fuel) consumption steps to creating an efficient, all-electric home that can accommodate electric vehicles in the future ways to power your home with renewables, if your household is not able to have solar

This phone assessment will be tailored to your household, helping you to plan for a cost-effective and comfortable transition away from gas. We may contact the winner to check on progress in both reducing bills and making the home more energy efficient.

To attend this event, you must have an internet enabled PC or device and be able to download Zoom. Don’t have Zoom?

Download it for free. You’ll be provided with the Zoom meeting link when you book.

This free information session is brought to you by Manningham and the Australian Energy Foundation. If you’re unable to make the session, you can still learn more about how to keep your home cool while saving energy on the Australian Energy Foundation website

MARCH 2022 | FIND MANNINGHAM

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Are you Not-For-Profit in Manningham Area?

Advertise your events for FREE on the following pages.

Are you a NFP with an up-and-coming event? If so, email your event to editor@findmanningham.com.au and we will place it in the paper for FREE.

Manningham

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Doncaster

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

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

Doncaster All things wonderful about autumn, according to Jackie Shaw Westfield is home to your happy place. This autumn, we are celebrating all things wonderful that encourage us to slow down and make the most of every moment.

We caught up for a cosy coffee with the stylist of our latest autumn campaign, Jackie Shaw, to find out what makes her happy and what trends (as well as how to style them) will be putting a smile on her face this season.

Each of the talent wear vibrant looks available at Westfield from a range of Australian and international retailers, including Aje, Alice McCall, Gorman, Sportscraft, Cue, Witchery, Scotch & Soda, Mimco, Cotton On, Platypus Shoes, General Pants, Zara and H&M.

Discover our International Women’s Day playlist on Apple Music To celebrate International Women’s Day we have created the ultimate girl power playlist! Perfect for that daily dose of female empowerment to make all women feel proud of their extraordinary acts and to recognise the special women in their lives!

Introducing our new playlist on Apple Music - International Women’s Day – now playing at Westfield.

The ultimate way to kickstart your day and perfect for those girls nights out – this compilation features some of the best and biggest female anthems to inspire women to feel strong, confident and brave, standing together as a united force!

The Batman Range is now available at EB Games Vengeance has landed at EB Games Gear up like the Dark Knight with our brand NEW Zing Exclusive and officially licensed THE BATMAN range, available now!

MARCH 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MARCH 2022

www.findmanningham.com.au

RETIREMENT

Did you know?

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

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

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

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findmanningham.com.au

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o T t i m b u S k c i r e m i L n o i t i t e p m o C RETIREMENT

By Bernard Kelly MBA

Limericks are nonsense poems that take their name from nonsense poetry that originated in – yes, you’re right - Limerick, Ireland.

And now, as a senior, you will recall how limericks revitalized those (otherwise boring) long car trips when you were a child. This competition enables you to revisit those childhood memories.

Limericks are five line poems with a strict meter, and as they are easy to construct, they have been frequently written for children.

Their simplicity and singalong rhythm have also made it easy for drunkards in pubs to write rhyming slang, frequently with sexual content.

Which has enabled this art form to persist down through the ages.

They went into literature when Edmund Lear published a collection titled “A Book

of Nonsense” in 1846. It’s never been out of print ever since. Here’s an example of his work: “A delighted incredulous bride “Said to the groom at her side “I never would have believed “Until right now dear sir “How our anatomies would so coincide.”

And here’s another example of how easy limericks are to construct: “Here’s true history from the crew, “We found a mouse in the stew, “Said the waiter, don't shout, “And wave it about, “Or the rest will be wanting one, too.”

There are many hobbies, past-times and

interests that are available to seniors during daylight hours (for example you would develop new friendships when you join a charity that prepares meals for the homeless). Then on weekends you could assist as a volunteer in a project where everyone else is still in the workforce – I’m thinking of an outdoors miniature railway society.

Then of course, writing limericks is there for your evenings.

Submit your competition entry to bernardkellygeelong@gmail.com and feel free to ask about the prize pool.

And of course, if you want to further develop your skills as a member of the limerick community, you will be able to find a supporting writers’ group at your local neighbourhood house,

Contributing editor Bernard Kelly MBA is a modern elder with a goal is to maintain his zest for living. bernardkellygeelong@gmail.com

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The Downsizer Contribution – An Easy Way To Get Money Into Super FINANCIAL PLANNING

By Warren Strybosch

If you have reached the eligible age, you may be able to contribute up to $300,000 from the proceeds of the sale (or part sale) of your home into your superannuation fund.

From 1 July 2022 the eligible age is 60 years old or older. Prior to this it is 65 years old or older.

According to the ATO, this downsizer contribution is not a non-concessional contribution and will not count towards contributions caps. The downsizer contribution can still be made even if the contributor has a total superannuation balance (TSB) greater than $1.7 million.

Important points to note: • The home must in Australia, have been owned by you or our spouse for at least 10 years and the disposal must be exempt or partially exempt from capital gains tax (CGT) • You have not previously made a downsizer contribution to your super from the sale of another home or from the part sale of your home.

• Prior to (or at the same time) as making your contribution you must provide your fund with the ‘Downsizer contributions into super form.’

• A downsizer contribution will not affect the TSB until this is recalculated to include all contributions, including downsizer contributions, on 30 June at the end of the financial year.

• The downsizer contribution will count towards the transfer balance cap, currently set at $1.7 million. This cap applies when superannuation savings are moved into retirement phase.

Downsizing contributions can only be made for the sale of one home and cannot be accessed again for the sale of a second home.

• Downsizer contributions are not tax deductible and will be taken into account in determining eligibility for the Age Pension.

• If the contributor sells their home, is eligible and chooses to make a downsizer contribution, there is no requirement to purchase another home.

Source: ATO. Timing is key One of the key areas to note is timing when considering this strategy. You must make the downsizer contribution within 90 days of receiving the proceeds from the sale of your home to your respective super fund. Generally, this would mean 90 days from settlement.

You can make multiple contributions from the sale of the primary residence, provided they do not total more than $300,000 each.

Downsizer contributions form part of your tax-free component within superannuation and will be taken into account for determining eligibility for the Age Pension (whereas the value in the main residence is exempt).

You do not have to have lived in the home for the entire ownership period.

So long as you are claiming at least a partial exemption from capital gains tax [CGT] under the main residence exemption, your property meets the main residence criteria for a downsizer contribution.

9 tips to consider Tip 1 — Date of contract of sale Be aware of the date your client entered into the contract of sale to sell their home. A downsizer contribution is only available where the contract of sale for an eligible property was entered into on or after 1 July 2018.

Tip 2 — 10-year ownership interest You must have held an ownership interest in the home being sold at all times during the 10-year period prior to the sale.

Tip 3 — Age-based considerations An individual must be aged 60 years or older when they make a downsizer

contribution to superannuation.

Interestingly, there is no upper age limit, so a downsizer contribution may be available to an individual well over the age of 65 who never had the opportunity to contribute to superannuation.

Usually, any contribution to superannuation made on or after an individual’s 65th birthday requires the work test to have been met. However, a downsizer contribution can be made irrespective of an eligible individual’s work status.

Tip 4 — Contribution amounts The amount you can contribute is limited to the lesser of $300,000, or the total capital proceeds you receive from the sale of your interest in the home. If you are a couple with joint ownership in the home, then you would be eligible to each contribute up to $300,000, resulting in a total downsizer contribution of $600,000.

Tip 5 — Contribution timing Eligible individuals must make a downsizer contribution within 90 days of the change of ownership on the eligible property. In most cases, this will be 90 days from the date of settlement, unless an extension has been granted.

You can make multiple contributions from the sale proceeds of the one eligible home within the 90-day eligibility period, so long as the total contributions do not exceed the lesser of $300,000, or the total capital proceeds received from the sale of your interest in the property.

Tip 6 — Downsizer contribution form The contribution needs to be accompanied by the downsizer contribution into superannuation form either when making, or prior to making the contribution to superannuation.

Tip 7 — Age Pension entitlements Age pensioners need to carefully consider how a downsizer contribution may impact their Age Pension entitlement. While the value of an individual’s home is means test exempt, the value of their superannuation interests, both in accumulation and

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pension phase, are means tested when determining eligibility for the Age Pension.

Eligible age pensioners may find a downsizer contribution indirectly impacts their Age Pension entitlement, however any additional amount they now have in superannuation as a result of the contribution could be used to further support their retirement income needs.

Tip 8 — Estate planning perspective A downsizer contribution is a new type of after-tax contribution to superannuation and, therefore, will not count toward an individual’s non-concessional contribution cap.

Any amount contributed will form part of the individual’s tax-free component.

From an estate planning perspective, the tax-free component would not attract tax if a death benefit lump sum was paid to non-tax dependants such as independent adult children.

Tip 9 — Transfer balance caps While an individual’s TSB can limit their ability to make certain additional contributions, most notably nonconcessional contributions, eligibility to make a downsizer contribution is not impacted by their TSB. However, an individual continues to be restricted to only moving a maximum of $1.7 million to retirement phase under the transfer balance cap (TBC). Should your client have already fully utilised their TBC, any additional contribution to superannuation under the downsizer measure would remain in accumulation phase.

Extension of time In some circumstances, contributors might be able to request a longer period for making a downsizer contribution, for instance, when a delay has been caused by factors outside their control.

However, an extension of time will not be granted to allow an individual to meet the age requirement.

According to the ATO, an extension of time should be requested before the 90-day period from the date of settlement has expired. If a contributor has overlooked the 90-day timeframe, an extension of time may still be granted due to, but not limited, to: • • •

ill health death in the family moving house.

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ATO example of an extension being granted Ben, aged 77, decides to sell his family home of 15 years. Settlement occurs on 1 August 2018. He purchases a new home in a retirement village, which is due to settle on 1 October 2018.

The retirement village has only just been built, and Ben’s settlement is delayed until 1 December 2018 while final council approvals are obtained. Ben does not want to contribute funds from the sale to his superannuation until after the settlement of his new property to ensure he has enough money to purchase and move into the property.

Upon his request, the ATO gives Ben an extension of time to contribute until 1 February 2019. This extension allows Ben enough time to settle on the new property and make a contribution of the remaining money from his sale. Ben can afford to contribute $200,000 to his superannuation fund after the sale and makes this on 25 January 2019.

Source: ATO. Conclusion The benefit of the downsizer strategy is that there is no requirement to meet a work test to make this contribution. This is beneficial for clients aged between 60 and 74, but it is even more appealing for clients aged at least 75 who may still wish to contribute to their superannuation – whether they are still working or not.

Not only is this a great advantage of the downsizer strategy, but so is the fact that it does not matter how much a client already has in superannuation.

The total superannuation balance threshold of $1.7 million that would normally preclude an individual from being able to make further nonconcessional contributions does not apply for downsizer contributions.

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Answer: Yes. A client can make a downsizer contribution as an in-specie transfer of assets, provided the value of the transfer does not exceed $300,000 or the total capital proceeds received for the property sale.

The ATO have confirmed this in LCR 2018/9 and provide the following example on their website: Alisha has a portfolio of listed shares worth $150,000. She sells her home for $500,000. As Alisha meets all the other requirements, she can make a downsizer contribution of up to a maximum of $300,000 using a combination of her shares and cash.

Remember, the downsizer contribution must be made within 90 days of receiving the sale proceeds and any transfer of shares from individual ownership to super will trigger a CGT event and capital gains tax implications may apply.

This information is current as at March 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.

For the full eligibility criteria and other details find out more at Downsizer contributions for individuals.

Downsizer Contributions Question 2: In-specie transfer of assets for downsizer contribution My client wishes to make a $300,000 downsizer contribution to super and would like to make this contribution via an in-specie transfer of personally owned shares. Is this possible?

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

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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

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

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The Autumn Collection is out now!

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Donvale Bowls Club ”CHARACTERS” department at Brisbane G r a m m a r School, including gymnastics and swimming.

M a r g a r e t e v e n t u a l l y moved to Perth to study Education where she again excelled, gaining a “Master’s D e g r e e ” .

On to New York, “the big apple”, where she expanded her studies and became a professional dancer and choreogra pher.

Some might say, “is there no end to her talent and achievements”?

R e t u r n i n g to Australia Margaret set up the first private gymnastics club in a church hall in East Malvern called, Chamford Gymnastics. Her emphasis on children with movement issues and lacking coordination.

Donvale Bowls Club is indebted and beholden to many of our beloved characters which define and distinguish it. One such character at Donvale was the late Margaret Cunningham (copy for next to picture is: Margaret was awarded posthumously the Order of Australia Medal (OAM).

She grew up in Brisbane, eventually working and overseeing the sports

She very quickly established the fact there was a correlation between movement and scholastic education.

After a few years the church hall proved to be way too small, so she moved to a factory unit in Murrumbeena, with some 500 students.

Margaret gained an enormous reputation with parents and became well known in the circles Toorak to Murrumbeena.

She not only taught gymnastics but also

discipline and life skills. The parents held her in the highest regards. Regardless, she sent a number of gymnasts to the elite squad with three of them going on to being Olympians.

Her other passion was sewing. She taught sewing when she sold Chamford to a small business called “Sew n Save”.

In conjunction with Rotary, she taught sewing in Kenya, Uganda, and Tanzania.

Working with Rotary and with her husband James she learnt about and became very enthusiastic about “Days for the Girls”. DFG is a Charitable Community organization that works to get sustainable washable feminine hygiene kits into the hands of those who would do without.

Margaret organised a group from her home for many years and regularly went into Prisons to help inmates make the kits.

Such was her enthusiasm she taught boys at Whitefriars College who were traveling to underdeveloped countries to make the kits and take them when they went overseas.

Margaret was a member at the Donvale Bowls Club for just over 10 years. She was Assistant Secretary and Newsletter editor for many of those years.

Her outstanding work with Rob Fairweather (Stormy) involving the recruitment and growing of membership development. New Members Day proved such a successful formula, the three years before her passing assisting Rob during that period, increased the club membership in excess of 30%.

The Margaret Cunningham Mentor Day is designed to encourage and further the interest of our new and inexperienced bowlers, now an annual event at Donvale named in her honour, a lasting and fitting legacy.

She was awarded posthumously the Order of Australia Medal (OAM) for her tireless work with Donvale Bowls Club, the Days for Girls, and the community.

Sadly, gone but never forgotten.

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