anningham The
December 2021
WHAT’S INSIDE: 04
LOCAL STORIES
06
COLUMNIST ARTICLES
26
TAX UPDATES
28
REAL ESTATE - RENTAL LISTINGS
30
MANNINGHAM COUNCIL NEWS
54
BIRTH, DEATHS & MARRIAGES
57
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 0418 300 096
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PL ATINUM SPONSOR
DECEMBER SPONSOR
DECEMBER 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
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CLUB SPONSORS
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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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Our Local Community: Wishing Everyone A Good End To The Year By Warren Strybosch
We would like to wish you all a happy end to the year, and we hope that everyone can find some time to recharge over the holiday break. It has been a very difficult year for many people in Victoria and some people and families still have some challenging times ahead. We want to thank you all for supporting our community paper. We look forward to continuing to grow this paper next year and finding new or better ways to serve our local community through this initiative. We want to especially thank the small business owners, those who have contributed articles, the in-kind sponsors, and those
who have given up their time and provided resources to this community paper. Your support has not gone unnoticed. We would ask the local community to support those businesses listed on page 2, who have provided financial support towards this endeavour and look forward to other businesses joining us in 2022 as well as some corporate sponsors. From all the team at the Find Foundation, Thank you.
You may be liable for tax when transferring funds into Australian from overseas. By Warren Strybosch
Some Australians transfer funds from overseas into Australia from various sources and do consider it to be income for tax purposes. However, a recent court case has concluded that income brought into Australia, if it cannot be proved it was not from income generating sources, may be considered assessable income and tax accordingly. Recently, the Administrative Appeals Tribunal (AAT) found that an Australian citizen who conducted much of his business in Malaysia was a resident of Australia for tax purposes in the 2016 income year. The AAT concluded that he was subject to tax in Australia on amounts he transferred to his Australian account from Malaysia. The reason being is that he was unable to prove.
the income transferred to Australia was not assessable income. As such, the AAT deemed the money to be assessable and ordered tax to be paid on the amount transferred across. In finding that he was a resident for tax purposes, the AAT affirmed that there was sufficient “continuity of association with Australia” as indicated by such things as maintaining a home in Australia, the number of times he visited Australia in the 2016 year (11 times for a total of 83 days) and his business interests in Australia. (Sanderson and FCT [2021] AATA 4305, 16 November 2021.) This is a warning to all Australian Citizens bringing money into the country. If you are found out to be doing so and cannot prove the money was obtained from non-assessable sources, it is very likely you will be liable to pay tax on that money.
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Cryptocurrency has gone Mainstream By Warren Strybosch
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Cryptocurrency has become very popular in Australia. According to the 2021 Independent Reserve Cryptocurrency Index, more than 28.8 per cent of people in Australia own or have owned cryptocurrency at one point or another. More women compared to men, in the 24 to 34-year-old age group bracket, are having a punt on cryptocurrency today, according to a survey by the leading exchange and the proportion of women investing in crypto doubled from 10.3 per cent to 20 per cent. Whilst Crypto might be very volatile, 89 per cent, made money or broke even this year. However, it is likely most are down now given the 20-30% drop in Crypto currencies that occurred in early December. According to Mr Przelozny crypto has gone from fringes to the mainstream even though Aussie regulators and government agencies have taken time to accept cryptocurrencies and other digital businesses or assets. The Independent Reserve chief executive Adrian Przelozny said that the sector should have regulation on this to provide security for the investors and cryptocurrency businesses. Since the survey of 2000 respondents found that some 26.6 per cent would buy crypto if the security regulation was improved. At this point in time, Bitcoin and Ethereum, remained the most popular cryptocurrencies that people invest in.
Short Story Competition
Enter Now
Tales from the pandemic...a time like no other ‘It was the best of times, it was the worst of times’ – Charles Dickens, A Tale of Two Cities, 1859. As 2021 draws to a close, Your Library wants to capture the stories of this place at this time. The past two years have seen most of our assumptions, habits and expectations thrown out the window. We would like to record the tempo of the time while it is still fresh and preserve it for the future.
DECEMBER 2021 | FIND MANNINGHAM
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ACCREDITED EDITOR By Susan Pierotti
Christmas is fast approaching. Time to decide whose house you’re meeting at, who’s cooking the family dinner, who’s making the pudding or pavlova. And of course, it’s the season of giving presents. Choosing a present for your elderly loved ones can be difficult. If you are that person, do you really want another bar of soap, a pair of socks or a box of chocolates? You would probably love to spend time with your family on the day, but apart from giving you a glass of champagne or beer and a plate of food, in the midst of the noisy cheer, does anyone sit with you and hear what you would like to tell? Who’s the best person to record your story? Sitting down with a family member to purposefully take notes on your life story can be awkward. You might think that your own story is uninteresting, but that’s not true. It could be confronting for you, revealing situations where you didn’t make a good decision or perhaps which might embarrass you to recount. For instance, your children would probably love to know all about your wedding – how you felt, what you ate at the reception, were you nervous thinking about your first night together and so on – but the dynamics between you and your younger family members may prevent you being as open as they would like. Details like what you used to eat for Christmas, what toys you played with, what you wanted to be when you grew up, can be overlooked by family members interviewing an older relative as they seem so ordinary. Yet your impressions are valuable and intriguing to younger generations. This is where a life story professional can be more useful than the family members. People will often talk to a stranger and find themselves saying, ‘Oh, I’ve never told anyone that before!’ A life story professional will earn the trust of you and your family before interviewing you, and they only record what you want recorded. Life story is not family history When asked, ‘Have you written your life story?’, some people answer with an intriguing response: ‘Oh, my wife (or husband) has already done our family history.’ Don’t get me wrong – genealogy is great fun. You discover things about your
Don’t leave it too late – tell their stories now! family that places them in a historical context and you find out about places and events that connect you with a fascinating past. However, that is not the same as writing your story – your story. For instance, do your children knew where you went to school and what you wore there. Do they know what your favourite sports were growing up, where you went on holidays, what your favourite food was? More to the point, is any of this in the family history? It can be a light-bulb moment for many. ‘Oh, I see...my story...Well, no one has written that down.’ That is what a life story professional offers – a personalised story of your history in your own words. It becomes a precious living historical document as well as a legacy for your family. The process of writing your life story is not like the hunt for records and documents for a family history project. Over a series of two-hour chats (and perhaps a coffee or two!), the life story professional can record the stories that flow naturally from a few guided questions, and then
transcribe them. Sometimes they may fill the stories in with some extra facts that they research. If you wish, you can even include photos of objects in the story to provide a visual complement to your favourite memories. If you would like to see the smile of delight on the faces of your family members when they read your story, don’t put off telling your life story now. And it will make a great Christmas present for you and your family! Susan Pierotti at Creative Text Solutions, www.creativetext.com.au, is a member of Life Stories Australia, an organisation dedicated to helping people record their life stories in a variety of formats.
Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au
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COMMERCIAL COFFEE MACHINE By Ivana Smith
When we think of Christmas food, we drool over thoughts of turkeys and hams, or seafood and salad. By the time it comes to dessert, we dream of puddings or pavlovas. Why not plan for the end of the meal a light but refreshing coffee dessert? Here are four to whet your appetite. Italian crema di caffé To strong hot coffee, add a little sugar and refrigerate until very cold. Whip cream until soft peaks form, slowly drizzle the cold coffee in and beat until thick. Cover the bowl and refrigerate for 1 hour, then gently mix together.
Coffee creations for Christmas
Sprinkle with cocoa or chocolate flakes, layers of crushed amaretti cookies, cinnamon or top with a couple of chocolate-covered espresso beans. Espresso martini slice Grease lightly a 16x26 cm slice tray and line with baking paper that overhangs the two long sides. Break 250 g of plain chocolate biscuits into a food processor with 2 teaspoons of coffee granules and process until finely crushed. Add 90 g butter and process until combined. Press evenly over the base of the prepared pan. Place in the fridge. Of 400 g dark chocolate, reserve 1 square and roughly chop the remainder. Melt the chopped chocolate, 200 ml cream, 2 tbsp coffee-flavoured liqueur (such as Tia Maria or Kahlua) and 1 tbsp of coffee granules in a heatproof bowl over a saucepan of simmering water, without the bowl touching the water. Melt 180 g white chocolate, 1½ tsp oil and reserved dark chocolate square in a heatproof bowl over a saucepan of simmering water. Again, don’t let the bowl touch the water. Stir until smooth, remove from heat and set aside to cool slightly. Pour the filling into the base, quickly spreading to the edge. Decorate with chocolate-coated coffee beans. Place in the fridge for 2 hours. Use a hot dry knife to cut into small squares to serve. Choc-Kahlua cappuccino custard pie Process 1 cup flour, ¼ cup cocoa, 1/3 cup icing sugar and a pinch of salt in a food processor until well combined. Add 125 g butter and process until the mixture
resembles coarse crumbs. Lightly whisk 1 egg in a small bowl. Into the food processor with the motor running, add the egg and 1 tsp vanilla and process until the dough just comes together. Gather the dough together into a disc, cover with plastic wrap and place in the fridge for 2 hours. Preheat oven to 200C (fan-forced 180C). Roll out the dough from the fridge between 2 sheets of baking paper until 4 mm thick. Use to line the base and sides of a pre-greased 23 cm cake tin with removable base. Trim any excess dough. Place tin on a baking tray in the freezer for 15 minutes to chill. Line the dough with baking paper, fill with pastry weights or rice and bake for 15 minutes. Remove the paper and pastry weights or rice. Bake for a further 10 minutes or until golden. Set aside to cool slightly on the baking tray. Meanwhile, place in a saucepan 250 ml milk, 1/2 cup caster sugar, 250 ml cream and ½ cup caster sugar over medium heat and bring to a simmer. Remove from heat. Add 100 g milk chocolate, 1 tbsp cornflour and ¼ cup Kahlua. Stir until chocolate has melted. In a separate bowl, whisk together 3 eggs and 1 tsp vanilla. Slowly pour in milk mixture, whisking constantly until thickened. Pour
custard mixture into cooled tart tin. Bake for 20–25 minutes or until custard is just set. Set aside to cool completely. Place in fridge to chill. Use electric beaters to beat 1 cup cream and ¼ cup Kahlua in a large bowl until firm peaks form. Transfer to a piping bag fitted with a 1 cm plain nozzle. Pipe peaks of cream on top of the pie. Lightly dust with cocoa powder. For a unforgettable Christmas meal, try one – or all – of these scrumptious coffee desserts! For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.
Ivana Smith Commercial Coffee Machine Xpresso Delight 0418 393 085 www.xdcoffee.com.au
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BOOKKEEPER By Neha Nayyar
How a CFO can Transform your Business
No matter how small your business may be, having a CFO can transform your business. Over many years in the industry, the three biggest challenges I see small to medium businesses face are cash flow, time management and growth. By engaging a professional who is solely focussed on the finances of the business, you can focus on the other core areas of the business whilst the finances are taken care of.
What are the Benefits of using a Virtual CFO:
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What is a Virtual CFO? A Virtual CFO is a Chief Financial Officer who provides the services of a CFO but instead of delivering those services as a salaried employee, a virtual CFO works remotely and would usually be providing this service to several businesses concurrently.
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Why would I use a Virtual CFO? Currently, there are more facts, figures and data available than ever before. A Virtual CFO will thoroughly analyse this regularly and provide you high level, strategic guidance. A VCFO provides insights on your businesses performance and operational advice based solely on your real time financials and business intelligence. They can provide strategic leadership behind the scenes, empowering business owners to make sound and informed decisions. A VCFO can help you set targets, allocate capital, manage productivity, assist with pricing, assist with debt and identify opportunities.
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VCFO services are customised to your needs and budget, it is not a ‘one size fits all’ scenario. You instantly gain their experience and insights into small to medium businesses to be able to provide solid advice to your business. You can be assured that your finances are being handled by a skilled professional You don’t have the full cost of hiring an employee. Traditionally, CFO’s are executives who outrank managers and directors, and have a salary to match their executive title. You have someone proactively managing the finances at all times.
Confirm with them your expectations, their expectations and put these in writing. Obtain upfront all fees and charges so you have full transparency.
Having the confidence to make more informed financial decisions about your business is imperative for your businesses ongoing success. You can have the benefit of a high-level finance resource without breaking the bank. So many businesses happily outsource web design or marketing, so why not get a finance expert to assist you in transforming your business and setting you up for ongoing success. At Sum and Substance, we offer virtual CFO services, to find out how we can help you transform your business, 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.
What Should I Consider when Hiring a Virtual CFO? •
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Be sure to find out what their availability is, how much of their time are you paying for per month/ year etc. Check their credentials and testimonials. Start with verified online reviews such as Google.
Neha Nayyar Bookkeeper SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573
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Providing Your New Employees With A Safe And Healthy Start To Their Employment With You. OCCUPATIONAL HEALTH & SAFETY By Mark Felton
As we come out of another lockdown, with the promise of an ongoing period of normality, a number of businesses are ramping up with a degree of confidence, and are working hard to hire new staff. How do employers continue to maintain a culture of continual improvement for the health and safety of their team, whilst adding new members? As an employer you have an obligation to provide and maintain safe plant (machinery and equipment), provide and maintain safe systems of work, ensure the safe use, handling, storage or transport of plant or substances, keep workplaces in a safe condition, free of risks to health (for example, ensure fire exits aren’t blocked, and the worksite is generally tidy), provide suitable facilities for welfare, give your employees the necessary information, instruction, training or supervision to enable them to do their work in a way that is safe and without risks to health. But how do you ensure that you do this from the very first moment a new
employee joins your organisation? You do this by creating, and continually adapting and improving, an Induction Program. An effective Induction Program will greatly reduce something being missed that may result in an incident impacting on the health of the new team member and/or those around them. An effective Induction Program is consistently applied in a consistent time frame, and clearly outlines the employer’s expectations of their employees. It covers the risks that are associated with the roles carried out, along with the steps that must be taken to properly manage these risks. It is then imperative that an acknowledgement from the new employee, confirming their participation and understanding of the training received, is effectively recorded. Some businesses have informal systems that are delivered by key personnel. What happens if this key person is away or things just get busy and important elements are overlooked. How does an employer defend themselves when an employee has hurt themselves because of a poor understanding of the risks involved and the expectations of their new employer?
I can assist employers by reviewing their current systems with them, and how they relate to the tasks carried out, highlighting any shortcomings. I can then assist in the development of an effective Induction Program. Checks are put in place to monitor the effectiveness of any improvements, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe, whilst boosting profitability. 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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Why Should You Use a Mortgage Broker? MORTGAGE BROKERING By Jodie Moore
It’s time, time to take control of your finances and stop paying Loyalty Tax to the bank. You want to refinance your home loan to get a better rate, but where do you go? The bank down the road looks like they have a good rate but you’re self employed and had heard it was difficult to get a home loan. You may be right, but how do you know that you’re getting the best option available to suit your needs? That’s how a Mortgage Broker can help you. Finding A Lender To Suit You A Mortgage Broker can help you filter out the Lenders that don’t suit your personal situation. Asking your friends or on a Facebook group will only provide you with the lender that is right for that person, and it probably only suited them at the time they applied. If they were to apply again six months later, they may find they are better off with a different lender altogether. Each Lender’s credit policy is different and while one lender may be happy to lend to the self-employed, others prefer PAYG. Some will lend for properties in regional areas, others only suburban. Time or Features – what’s more important? Time can also be a factor when deciding which lender to go to. If you are looking to purchase a house, you may need a lender that is approving loans quickly. If you are refinancing, that may not be an issue and having the right rate and product features is more important. Mortgage Brokers are in touch with the lenders every day and know which ones are fast movers and which ones are taking a bit longer. Fast Refi If you are refinancing and time is of the essence, after all you want to be paying the lower rate as quickly as possible, there is a product called Fast Refi. Often it is your current lender that can hold up the process and delay settlement meaning they get to receive your
repayments a little longer. Lenders who do Fast Refi bypass asking your current lender to transfer the title of your property before releasing the money to pay out your current loan. They simply pay the money and then go after the title. Not all lenders have this option but your Mortgage Broker will know. Medical Practitioners/Professional Packages Did you know that if you are in a certain occupation, some lenders will offer you extra benefits? Things such as no Lender’s Mortgage Insurance on loans over 80% LVR or no fees. Some of these occupations include Doctors, Nurses, Paramedics and Dentists as well as Financial Planners, Accountants, Lawyers and Vets. If you think you might be eligible for this type of loan, a Mortgage Broker will know which Lenders offer this. BID – Best Interests Duty Mortgage Brokers are required to always put your needs first and to consider each loan based on your personal requirements. This means you can be confident that, even in the long term, the loan you get will be in your best interests
and will have taken into consideration your current plans as well as future ones. If you simply walk into a bank, even if they know their product isn’t the best one for you, they can only offer you their product, which could cost you dearly. As a mortgage broker we act in your best interests. A lender has no obligation to do so. At SHL Finance we have always acted in our clients’ best interest and would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 or Jodie Moore 0402 513 213 should you want to discuss your finance requirements.
www.findmanningham.com.au
DECEMBER 2021 | FIND MANNINGHAM
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Victorian Ombudsman Criticized COVID Border Exemption Scheme
By Warren Strybosch
Victorian Ombudsman, Deborah Glass, has found the Department of Health’s COVID border restriction exemption scheme to be ‘unjust’ and ‘inhumane’. Chief Health Officer, Brett Sutton, declared New South Wales as an “extreme risk zone”. Thus, Victoria closed its border with NSW on July 9. In September, Ms Glass made an investigation into the handling of the Department of Health’s border restrictions. She discovered that a lot of complaints were submitted, including many denials of exemptions despite people being fully vaccinated and/or returning negative COVID test results. Even Castlemaine resident, Marianne Allan, who had multiple letters from her doctors stating that she needed medical treatment for her advanced pancreatic cancer at home, still received many denials for related to her permission for
an exemption to return to Victoria. Ms Glass found that many of the complaints relating exemptions not being provided for what she considered legitimate reasons. For instance, people were denied entry to travel back to attend funerals, attend vital medical appointments, to take care of an ill family member, to care for their animals, and to obtain employment. This led some people to become broke and homeless because they were unable to return to their home of origin. Ms Glass fully understood the need to close the border which was based on the DOH’s advice, but she believes the regulations relating to the border scheme need to be reviewed in light of what transpired. "I recognise that the Department of Health's intentions were to protect people in Victoria from a dangerous virus that had already seeded through cross-border incursion and that the department was under enormous
pressure dealing with the exigencies of the public health emergency.” She said. She also added, "While we did not review all decisions and I do not suggest that all were unfair, the overwhelming majority of applications did not get to a decisionmaker at all, and the guidance did not change even as case numbers in Victoria grew and the risks evolved." The result was some of the most questionable decisions I have seen in my over seven years as Ombudsman," Ms Glass said. "There is no doubt the government provided explicit warnings to Victorian residents interstate. "But people still reasonably relied on a traffic light system which previously would have seen them come home under strict conditions." 'People felt caught up in a bureaucratic nightmare'
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Not all gifts are equal.
The Staff Christmas parties – what can be claimed?
It is important to make sure that the gifts qualify. Some gifts that cannot be given to employees are movie tickets, sporting event passes, tickets to music events, and trips overseas are considered a no-no with the ATO. However, you can give gift vouchers to your employees, alcohol, hampers, flowers, etc, are acceptable, deductible and avoid FBT. We suggest, when it comes to alcohol, so as to avoid any issues with the ATO, as they seem not to like alcohol being given, is to provide the employee with a gift voucher instead. Seek professional tax advice
ACCOUNTANT
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By Warren Strybosch
As a business you might be able to claim some, if not all, of the costs but it really depends on when and where you hold your Christmas party, who’s invited, and how much it costs per guest. Work Christmas parties are considered entertainment (although many are less than entertaining) and therefore can be subject to Fringe Benefits Tax (FBT). In Australia, in the financial year 2020-21, the FBT rate is 47%, which is a great reason to try and avoid it. What is the location of the Christmas Party? If you hold the Christmas party at your office or work premises, and supply food and drink to your employees, then this is normally exempt from fringe benefits tax. If you hold the Christmas function at a restaurant or any type of function venue, then you must keep the cost below $300 per staff person. Given the event is held ‘infrequently’ and below the minor benefit exemption of $300, this should avoid FBT implications, and the cost can be deductible to the business.
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no FBT, at a restaurant - FBT applies. Partners or family and cost per head less than $300 each - no FBT as minor benefits exemption applies. More than $300 each - FBT applies. Clients - at business or at a restaurant - no FBT & no tax deduction.
What about a gift to your employees? You need to be careful with this one. A gift to an employee is deductible and avoids FTB implications if it is under $300 and given infrequently e.g. at Christmas time. The only care you need to take here is when you give the gift to an employee or their family member at the Christmas party. If the meal and gift is more than $300 in total, then you might have an issue with FBT. Our advice, is to give the gift on a different day if both the meal and gift will be over $300.
If you are not sure what is deductible or not, just give your friendly accountant a call to discuss your Christmas party plans. Better a quick phone call then a few thousand dollars of expenses you cannot claim. From the team at Find Accountant, we hope you have an enjoyable Christmas party, holiday break with friends and family, get to recharge – as this year has been one of a kind, and feel refreshed for the next year. We hope next year you will be kicking goals in your business. 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
WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form
Who you invite may be an issue.
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,
Inviting current employees, their partners or family, and clients to a Christmas party held either at the business or off-site: •
Employees only and costs per head less than $300 each - no FBT as minor benefits exemption applies. Morethan $300 each: at business -
which owns and operates across Victoria.
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 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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DECEMBER 2021 | FIND MANNINGHAM
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How to Survive Christmas With a New Baby LACTATION CONSULTANT By Dr. Joanna Strybosch
Anticipating your baby’s first Christmas is really special and everyone loves it when there’s a new baby in the family at Christmas time. However, as is often the case in situations that are emotioncharged, there can be a reality gap... where the expectation and the reality don’t meet. In order to set yourself up for a more realistic and happy Christmas Day, consider the following tips:
1. Work out where your baby is going to sleep on Christmas Day. If you’re planning to spend time in someone else’s home on Christmas day, it will pay dividends to have a good preemptive think about where your baby will take their naps. Whilst there may be a house full of willing relatives prepared to nurse, rock and cuddle your baby non-stop, this will only work for so long. Eventually your bubba will become overstimulated and exhausted from all that handling and at some point you will have to extract your baby from grandmas arms and find a suitable sleeping place. Ideally you’ll need the use of a quiet room, away from the hustle and bustle of the Christmas festivities, with either a bed for you to both lay down on, or a cot of some description (porta-cots can be great option and tend to work better than a pram in scenarios like this.) And just remember that an over-tired baby is even more difficult to get to sleep, so don’t be tempted to give in to requests to keep the baby up past her nap time. Unless the same well-meaning relatives are willing to settle your baby to sleep when she’s a crying, exhausted mess! Be firm and leave the room before your baby is over-tired, which is likely to be sooner than you think with all the extra stimulation going on around them.
2. Better still, have Christmas at your house In the end, it may just be the very best decision to have everyone come to your house this Christmas. After all you’re the one with the new baby. The benefit is that your baby can nap in their normal sleeping environment and you don’t have to lug all of that extra gear with you and set it up in someone else’s house, when all you really want to do is relax
and enjoy the gathering. That doesn’t mean that you do all the cooking either! Make sure to delegate when it comes to who’s bringing what food and accept all offers of help. Especially help with washing dishes and cleaning up afterwards.
3. Have realistic expectations Chances are your baby’s first Christmas may not go exactly as you hope it will. Your own stress levels will probably be running higher, you may be extra tired, your baby may not have slept the night before, and you may have a long car trip before you get there. And if your baby was born during COVID they are probably about to see more people in one day than they have done on any other single day in their life. Expect them to find it overwhelming and expect to find it tiring yourself. Then, if things don’t go quite to plan, you can be kind to yourself and willingly let go of the expectations that you may have had for the day. Parenting is not picture-perfect. It’s hard work and it’s messy at times and that’s okay. Next Christmas your baby won’t be a baby anymore!
4. Enjoy yourself but go easy on the alcohol and plum pudding If you’re breastfeeding, just be mindful that what you consume, your baby does too. A lot of rich food or unaccustomed food can lead to fussiness later on. Better
to not indulge in too much that varies greatly from your usual food choices. And if you are planning to consume alcohol, you need to do so carefully around the timing of your feeds. It takes approximately 2 hours for a standard drink to leave your bloodstream and your breastmilk. That means you should not breastfeed your baby within two hours of consuming alcohol. The best time to have an alcoholic drink is just after feeding your baby so that you have as much time as possible for your body to break down the alcohol before your baby needs to feed again. It’s a really good idea to consider expressing a feed and taking it with you so that you don’t get caught out. Any milk you express whilst you have alcohol in your bloodstream is not safe for your baby and will need to be thrown away. If in the end everything goes to pieces and you end up with an over-tired baby who hasn’t slept or fed well all day, just remember you can start again tomorrow. Be grateful for the time you’ve had with your loved ones and for the gift of your new baby and take some photos to remind yourself of your baby’s first Christmas. You’ll be glad for the memories in years to come.
Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds
Lactation Consultant www.childrensosteopathiccentre.com 9876 3011 DECEMBER 2021 | FIND MANNINGHAM
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FIND MANNINGHAM | DECEMBER 2021
LEGAL By Dean Bossman
Like anyone that’s good at their job, it really comes down to the skill of the individual. Theoretically, a good conveyancer might be better than a not so good solicitor. If the conveyancer has years of experience and good solicitor to refer tricky questions, and also to ask questions from in order to develop their own experience, they can have sufficient experience to balance and outweigh a less experienced solicitor - particularly if the solicitor does not do conveyancing regularly.
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Solicitors And Conveyancers What’s The Difference?
The real difference between a solicitor and a conveyancer is that a conveyancer just has to transfer the property. Most will suggest you have a lawyer review and comment on the contract, but that’s the extent of their liability. To be fair, more experienced conveyancers can make comment to some of the issues in a contract, but they cannot give you legal advice - they are not solicitors. A solicitor has a duty to review the contract, and provide advice, even if the client doesn’t want the advice. A lot of solicitors simply elect not to charge for this because they get sufficient work to warrant giving that additional time for which they cannot, or more to the point choose not to, charge. A conveyancer cannot give legal advice and therefore has not requirement to alert you to things that a solicitor must. As an example, I have recently carried out some conveyancing work for a client who is legally naïve, and also probably a bit casual about his attitude to purchasing property. He is buying a significant piece of land in order to build on the property. The client looked at three separate pieces of land in one block (so three contracts to review), arranged to have a professional negotiator attend to bid for them, and then decided at the last minute that the property was too expensive, and didn’t bid! He then looked at another property and also didn’t purchase that one (another contract to review). They went to auction on another property where the property was passed in. He was able to work out what the vendor wanted and made an offer after the auction which was accepted. As he is intending to build on the property I have reviewed a couple of contracts with builders, advised on those, and also advised the client on various issues they should explore based on
searches, such as soil contamination and flooding. At this stage I have some 10 to 15 hours of work invested in the conveyance which some lawyers would bill, however because I work under set fees the client saves significantly. If my friend had gone to a conveyancer, they would have largely left him in the dark regarding a lot of issues, though would have done the conveyancing somewhat cheaper. It does beg the question as to why you would use a solicitor over a conveyancer, however there are some very large caveats. 1. Many vendors try to hide flaws in title or other issues. We had a purchaser who signed the contract and then brought it to me - within the cooling off period - and the contract had carved
out any right to title on the property! The issue was that the vendor had recently had a verandah installed. The builder had made an application to Council for a permit, however then realised that he did not need a permit for a verandah. He completed the verandah and there were no flaws in the work insofar as anyone became aware. The problem was that they had never gone back to get an occupancy certificate from the Council, and subsequently title could not be passed to our client. Rather than just get the occupancy certificate, the clever lawyer had just carved the right to receive title out of the contract, which meant that the purchaser would have had one of two problems:
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a. The Council might have come and issued a demolition order for the veranda, because it had never been approved. Or; b. The purchaser would have had to engage an engineer to sign off on the verandah, which he may not have been able to do if he could not readily discern the work that had been carried out. In the end, I advised the client to exercise his cooling off rights and terminate the contract if the vendor refused to rectify the problem and have an occupancy certificate issued. The vendor complied and the purchase went ahead. A good conveyancer would probably have picked that up, however of the conveyancer did not pick that up, and a claim was made, would the professional indemnity insurance for the conveyancer have covered the cost of having to either rebuild the verandah or get an engineer to finalise the permit and secure an occupancy certificate? 2. In another matter for a client purchasing a property he wanted to develop, the contract gave the vendor an unfettered right to change the contract after it has been signed. The conveyancer, who was many years experienced, refused to accept that the clause gave an unfettered right to change because she said the intention was only to facilitate making changes after the contract had been signed and exchanged. Regardless of the conveyancers belief, the clause simply said that the vendors solicitor could make changes to the contract after it had been signed. It was a simple clause with no other statement or restriction. It was a difficult negotiation because she simply refused to believe our position. After some very careful submissions to the conveyancer I was able to change the term to reflect that only the solicitors for each party could change the contract if they were both agreed on the change”. Not very technical, but I don’t believe in making something complicated unnecessarily, and it became apparent that the conveyancer was going to make it an issue, and my instructions were from the client, understandably, that it was a deal breaker if the clause could not be changed - and the project was in the millions…
DECEMBER 2021 | FIND MANNINGHAM
The clause was rather innocuous and might not have been picked up by a conveyancer, but if the vendor had turned out to be nefarious, that clause could have been used to change the price of the contract, or the settlement period - anything. Again, if an oversight like that resulted in damages and a claim is made, the conveyancer is unlikely to be covered because they are not a solicitor and do not have the duty - or the ability - to provide legal advice. 3. For another matter, our clients had again signed a contract for the purchase of an apartment in a new building, off the plan. It actually wasn’t really off the plan because the building was completed, it was simply waiting on an occupancy certificate. The real estate had mislead the clients by stating that the reason the occupancy certificate was delayed was because there was some issues with the lighting for the external common areas and they may need to move some of the light pole locations. In fact, the issue was that there had been soil contamination in the area, and the developer had been ordered to conduct a rectification process before commencing construction, and the builder had failed to carry out that work. As a result, the entire complex could not get an occupancy certificate because the Council had refused to allow them to get away without conducting the rectification process. Of course, once the building was completed, that was going to be very difficult, and expensive. In fact, the Council was pressing the developer to agree to a long term soil management program, that would add ongoing costs to the owners corporation for three years. The contract had indicated there may be soil contamination issues and I had advised them to have a soil contamination test, however the clients elected not to have the test conducted. When they found about the delay and the potential owners corporation costs, the clients were unhappy but elected to wait and see how long it would take to get the occupancy certificate - the developer had again mislead the clients and claimed it would not extend past the sunset date - nearly a year away. Of course it took much longer than
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that and we had to threaten the developer with legal action before they backed down and allowed our client to leave, with their money and covering our legal costs. Of course, a conveyancer could not have advised them once the matter became disputed, however if they had not picked up the soil contamination issue again their professional indemnity insurance may not have covered the clients for the damages. If I had failed to warn the client of the contamination issue , and they made a claim against my professional indemnity insurance, the clients would have been covered. I should clarify that a solicitor might miss any of the above as could a conveyancer. I have also dealt with some very savvy conveyancers who likely might have picked up these issues - though they would have to have referred their client to a lawyer to provide the advice. So what is the difference? In my view, it is the fact that a solicitor has a duty to identify legal issues in the contract, and is covered by his or her professional indemnity insurance in the event he or she fails in that duty. If a solicitor makes a mistake like one of the above and fails to catch the issue, or indeed an number of other errors, and it is determined that the solicitor should have picked it up, the professional indemnity insurance is likely to cover the damages. A conveyancers professional Indemnity insurance may not cover these issues because a conveyancer is not held to the same accountability as a solicitor. Essentially a solicitor might charge up to a thousand dollars (or more) than a conveyancer, but the difference is simply peace of mind that you are protected in the unlikely event that something does go wrong. I acknowledge that it is not often that things do go wrong, but when they do, the consequences can be expensive and traumatic. If you have any questions about conveyancing, feel free to call and discuss.
DEAN BOSSMAN Legal Practitioner www.mercantilelegal.com.au dean.bosman@mercantilelegal.com.au
0422 114 300
DECEMBER 2021 | FIND MANNINGHAM
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FIND MANNINGHAM | DECEMBER 2021
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By Warren Strybosch Australia is not planning to stop Omicron variant from entering the country, instead they will try to get ahead of it by slowing down its spread, according to the leading health officials. Chief medical officer Paul Kelly announced at a senate inquiry examining COVID- 19 that there were already infected people in the country with Omicron. Ten cases were acquired from overseas and 17 cases were locally. None of these cases, however, showed any symptoms of severe illness and no one was hospitalised except for a seven-year-old from NSW. Recently, Professor Kelly told the Senate committee “At this stage, there are no definite signals anywhere in the world that Omicron is more severe than other variants that have preceded it, but we are watching closely.” He also added that “It’s clear this is not the last variant.” He also mentioned that there was no evidence to suggest a specific vaccine would be used to deal with Omicron variant and that there was no need to bring forward the booster shot program. The majority of Australians will be eligible for the booster shot from March of next year. By the end of January, more than 4 million people will be eligible to take the Booster and by the late May this number will increase to 17 million. For these millions of eligible people, Lieutenant- General John Frewen, the head of the vaccine rollout, said that there would be more than enough supply of vaccines for boosters in the coming months.
Konstantin Shamray
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Konstantin Shamray explores the traditions of bell ringing and the creation of bell sounds on the piano, bringing the ancient sounds of bells to life through music.
Tue 14 Dec 6pm
Getting ahead Omicron
He also said that “I certainly think primary care will be the backbone, but we are in constant negotiation with the state and territories as to what role they can play”. Thus, GPs and pharmacies would be the key rivers of the booster rollout.
To encourage the take up, the government, state and federal, are applying pressure on the unvaccinated by withdrawing much needed services e.g., elected surgery, to ‘encourage’ them to get vaccinated.
Already, Australians are receiving the booster letter from the Government encouraging everyone to take their booster shots. It is purported that Australia has purchased enough booster shots to enable everyone to have at least 6 shots each.
The unvaccinated are already feeling the pain of not being vaccinated, with many losing their jobs and being restricted from attending social events. There are already discussions amongst the unvaccinated of setting up unvaxxed communities whereby those who are not vaccinated can go and live with other unvaxxed people.
Soon, children from ages 5 and be able to take their first vaccine well. It seems the government is get everyone, regardless of age, to vaccine.
up will shots as keen to take the
We are living in unprecedented times and only the future will decide whether or not we did the right thing or not.
Melbourne International Jazz Festival
Noël! Noël!
We're thrilled to host seven events as part of the festival, including music icons Paul Graboswky & Emma Donovan (pictured) Amos Roach, Aura,.....
Join the Australian Brandenburg Orchestra this Christmas for their live and luminous return in Noël! Noël!...
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Sat 18 Dec 5pm & 7.30pm
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DECEMBER 2021 | FIND MANNINGHAM
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Carbon Emissions Are Down
By Tracey Ferrier
(Australian Associated Press)
Australia has recorded a drop in its carbon emissions on the back of the pandemic, lower coal production and more renewable energy in the national grid.
He hit out at the federal government’s new national gas infrastructure plan, which aims to lock in supply for households and manufacturers for east coast gas out to 2040.
In the year to June, emissions were down by 2.1 per cent
At least one new gas basin will need to be brought online before 2030 to meet projected demand.
That was driven by lower outputs from power generation and reduced emissions from transport during a year of frequent lockdowns and little travel. One of the most important factors driving the long-term decline in carbon emissions was the shift away from coal for power generation, the June quarterly update of the National Greenhouse Gas Inventory said. The report noted an overall decrease in coal production of 6.8 per cent over the year. Agricultural emissions were up 4.9 per cent due to graziers restocking their properties after recent drought conditions ended. Climate Council senior researcher Tim Baxter said the installation of solar systems, driven by the states, territories and households, was bringing down emissions in the electricity sector.
“Expanding and opening up new massive fossil fuel basins will only see Australia’s emissions increase at a time when the rest of the world is shifting away from coal, oil and gas,” Mr Baxter said on Tuesday. “Following the pathway that underpins the federal government’s new gas plan will put us on track for a world that is a catastrophic 3.5 degrees hotter. This is an unthinkable future.” Greenpeace campaigner Glenn Walker said Australia had to move away from coal-fired power this decade. “Closing coal-burning power stations by 2030 and replacing them with renewable energy backed by batteries is the fastest and most effective way for Australia to avoid a climate catastrophe.” A spokesperson for Energy and Emissions
Reduction Minister Angus Taylor said the Morrison government was “acting in a practical, responsible way to reduce emissions while preserving Australian jobs and taking advantage of new opportunities for industries and regional Australia”. Australia’s emissions have declined 22.8 per cent since their peak in the year to June 2007. Emissions to June this year were 20.4 per cent below 2005 levels – the baseline year for Australia’s 2030 target under the Paris climate pact. Australia faced heavy international criticism at the COP26 climate summit in Glasgow about a month ago, most notably for refusing to follow other nations and ramp up its six-year-old 2030 emissions target. Prime Minister Scott Morrison told the conference Australia would stick to its pledge to cut emissions by 26 to 28 per cent by 2030, but noted a 35 per cent drop is expected by then. The conference ended with a call for all countries to return to the negotiating table in 2022 with stronger 2030 targets, in order to keep alive the hope of capping warming at 1.5C. DECEMBER 2021 | FIND MANNINGHAM
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SIGNAGES By Glenn Martin
Right now, as we are all resetting to a new normal, it is imperative to stand out from the rest, and let the community know you are open and ready for business. At Signarama, we understand the value of creating quality signage to promote your brand and drive sales. We have worked with many well-known national and international brands across a wide range of industries. From A-Frames and Flags, through to large format print, banners, vehicle graphics, illuminated building signage and much more, our team of experts will help you create eye-catching and effective signage solutions to suit your brand and budget. A-FRAMES A-Frames are a popular form of freestanding signage due to their durability, mobility, customising options, and versatility as a sales tool, for indoors and outdoors. Interchangeable corflute or composite panels are a great solution when you need to change your signs often. You might want to add a chalkboard, or whiteboard section, so you can write your own messages. Standard sizes are 450mm x 600mm, 600mm x 900mm, and 900mm x 1200mm.
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Kick Start your Business with an Advantage. FLOOR DECALS
CAFÉ BARRIERS
Transforming your floors into an advertising space, floor graphics are gaining popularity in shopping centres, trade shows, airports and high traffic areas for brand awareness, wayfinding, safety signs and promotions. Our graphics are printed in full digital colour onto a self-adhesive vinyl with anti-slip and scuff resistant laminate on top. The vinyl we use will depend on how long you need the graphic for. UV and graffiti protection can also be applied. We can die-cut to any custom size or shape. The floor should be a smooth sealed surface, like painted concrete, tiles or laminated floors.
Our barriers are sturdy, lightweight, and easy to set up. Designed to be weather resistant, they complement other outdoor promotional signs, providing branding consistency and a neat boundary around your space. All our vinyl barriers are sail tracked to frames with a choice of single or double interlocking feet. The frames are steel powder coated 50mm square or round tubing, and come in a range of colours.
CORFLUTE SIGNS FLAGS A popular and effective signage option for both indoors and outdoors, flags are printed through dye sublimation on fabric material for maximum durability. They are lightweight, easy to assemble, portable, weather resistant and can be single or double-sided. Our most popular flags are Feather and Teardrop. Feathers are great for their movement in the wind, while Teardrops stay taut and offer a focal point. Customised flag shapes, poles, grass spikes and other bases are all available depending on your application.
Corflute can be thought of as plastic corrugated cardboard. Suitable for both indoor and outdoor use, corflute signage is a cost-effective solution for advertising or informational signage. Popular with real estate agents, sporting clubs, construction sites, and event organisers. It is easy to handle and set up and can be cut to any size to suit your requirements. You may also choose to have eyelets to easily attach the signs with zip ties. Corflute can be printed in full colour on one, or on both sides. They can be finished with UV and weather resistant vinyls for that added protection
Reach out today to book a free consultation from one of our signage experts, and ensure you get current promotions by following us on Instagram @Signarama_Mitcham With many years’ experience in this field, Signarama are able to work with you to design, manufacture, install and help you maintain your signage, offering innovative solutions to 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 expert team today.
Glenn Martin mitcham@signarama.com.au www.signarama.com.au/store/mitcham
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DECEMBER 2021 | FIND MANNINGHAM
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Six mythbusters on hiring a good architect ARCHITECT By Kathy Ismail
If you are building a new home, extending or renovating a current one or subdividing a block, you will manage much better if you employ an architect. If you think an architect is an unnecessary expense, these 6 points may convince you otherwise. 1 ‘I know what I want’ Sure you do, but is it possible to build it where you want it? Do you have the expertise and maths skills to design a building which will last? Can you advise the builder, fill out all the forms for the local council’s requirements, adhere to government regulations...? Architects have tertiary education qualifications, are licenced and keep up to date with current and emerging trends in areas such as design, construction and green energy. This means you can draw on their knowledge for ideas and complex design solutions to problems. 2 ‘I saw it on the internet and I want one the same’ The images you saw on the internet were most likely advertising a building company. They obviously will have presented their very best image, but how flexible will their design be for? Working within a given set of parameters, architects apply creative innovation to produce a viable and practical house that fits your family lifestyle or business premises that optimally uses the location space. They will expand your vision as to what is possible whereas a builder will give you just what you ask for. Importantly, a good architect knows how to work in specified conditions within a budget limit while following numerous
policies, regulations and building codes. 3 ‘I’ll make sure it’s built the way I want it so I’ll manage the project myself’ Seriously, do you really want to negotiate and coordinate with the builder, the building materials supplier, the local council, the interior designer and the landscape designer yourself? Do you even have the time? An architect can manage the project, including paperwork, site visits and reviews, from the first council permit to handing over the keys when finished. (Hint: councils respond better and more quickly to an architect’s request that to private individuals.) 4 ‘I’m sure I told them that!’ Every industry has its own lingo, and construction is no different. Business and home owners don’t always use the terms to use that a builder does, resulting at times in misunderstandings and incomplete instructions. An architect acts as a ‘translator’. Architects and builders speak the same ‘language’ so nothing gets overlooked or lost. 5 ‘I’m too busy to contact everyone’ Building a house, office or business premises means talking to lots, and lots, and lots of people! It also takes several months (years?) to finish such a project. Do you have the time and energy, and more crucially, the patience and people skills to deal with all the different people you need to deal with? Architects are master team members. They coordinate with their internal team (the people who work in their business), the construction team, planning officials, surveyors and, of course, you. A good architect advocates for your goals and needs and makes sure all parties involved are satisfied.
6 ‘Something’s gone wrong! How do I fix it?’ Completing a large-scale project such as building a home or office will always develop a few problems here and there. And it’s almost a given that a problem tends to occur when you least expect it to. It could be something as minor as odd-coloured tiles arrived. The current blocked supply chains are hampering the delivery of timber, delaying building the structural walls. The council doesn’t give you permission to do something inherent in the design. Do you have the knowledge of how to solve it? A professional architect is trained and prepared to handle whatever may come. If a problem is one of design, you will find that an architect is adaptable with design and flexible enough to change the plans. This contributes to resolving issues efficiently and quickly, which avoids escalating costs – always a bonus! If it’s a lack of supply of your chosen materials or a legislative matter, a good architect has the experience to offer an alternative solution. 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
DECEMBER 2021 | FIND MANNINGHAM
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Expectations versus Reality GENERAL INSURANCE By Craig Anderson
There are questions that have only a yes or no answer, and you will find some of these types of questions on your insurance renewal forms. For a Home and Contents policy, the question may be, “Is the property in poor condition or poorly maintained”, to which everybody invariably answers “No”. This may not in fact be true, and you may be unaware you are misleading your insurer.
but good practice would have you (or your competent tradesperson) maintain anything that can be accessed even if out of sight. Typically, destruction caused by animal, bird, insect, vermin or rodent eating, chewing, clawing, pecking, nesting or soiling in a single incident or over a long period of time is excluded. This means you should be doing your best to prevent this from occurring, as the insurer will not be footing the damage bill.
For example, if you have a valley iron on your roof which is not visible from the ground and it is full of debris from an overhanging tree, or have cracked tiles, missing bedding, or loose flashing etc. then you have not maintained your house properly like you promised. As you have already sworn to the insurer as part of the legal contract of insurance that you do maintain it, you may have a claim rejected when the cause of a claim is determined by the assessor to be poor maintenance. Sudden and unexpected ingress of water due to storm damage should be covered, but if the main contributing factor that created the claim is poor maintenance, then do not be surprised if the claim is declined.
Regular pest inspections and treatments are a great way to prevent and treat serious infestations. Given that the price of replacing a house is in the hundreds of thousands and the cost to spray for termites is often below one thousand it seems like a good deal to me. Termites also like damp ground, so maintaining good stormwater drainage and keeping your sub-floor dry is a good thing to do. Preventing water saturation around footings, stumps, and slabs can avoid subsidence and heaving too, which if caused by blocked and broken drains over time, will not be covered either. Sudden and unexpected pipe ruptures are mostly covered, but years of seepage would not be. So ensure your stormwater, sewer, and mains water systems are checked and if necessary repaired before serious damage occurs.
So how much should you reasonablybe expected to know as a homeowner? The answer may vary,
Your policy is not a “cure-all” or “Magic Bullet” so you should understand the extent to which you are covered, and act
accordingly. Policies vary depending on their type and the insurer who issues them, so do not assume anything, and if you need clarification (after reading the PDS) ask the provider who sold it to you to provide it. For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation). 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
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DECEMBER 2021 | FIND MANNINGHAM
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Take the journey...Love is all you need! PARENTING By Lesley-Anne Banton
Over the last 5 years I have worked with men and women who have wanted to go on the journey of self-discovery and self-development. Some have started the journey because they have some emotional pain somewhere in their life. Some have started the journey because they knew there was more inside them, they had had not yet discovered or taped into. Some have taken the journey because they have felt like they do not fit in anywhere and or they are misunderstood and in fact do not fully understand themselves. There are those who have seen and experience trauma. There are those that have taken the journey because they want to enhance the life they have, expand, and enhance their thinking about themselves and the world around them. And there are those who have taken the journey because of their children wanting to be a better version of themselves for their children. All have entered the journey because of LOVE, either the absence and wanting of self-love or because of the love they have for themselves and those around them. Their intention comes from a place of love, all have been motivated by love even when there’s extreme emotional pain.
incredible, empowering self-loving journey I have ever taken, it has turned into an adventure. I don’t know what I am going to find, see, acknowledge, embrace or feel deep gratitude for next.
For those who have it is life changing, I am not just saying this as a coach but as a person who has taken the journey myself and is still on the journey. There are times in my journey I wanted to bail out, there are times when I have reflected on self, my thinking and events in my life that were so painful to revisit yet the lessons and the empowerment from allowing myself to go through and seek to change has been so worth it.
What I know to be true is that no matter the adventure an individual has taken and no matter how much pain or challenge they encountered they also encounter growth, change, and ultimately love, self-love. They learn to fully love all aspects of themselves, they learn to breakthrough old and limiting thinking, they break old dysfunctional patterns that no longer serve them in the life they want to create for themselves. They learn that no matter what they have gone through they have gotten to this point in their lives and are succeeding (whatever that means or looks like to them). They get to see and reach the potential that was always within them and be reunited with incredible internal resources that they had forgotten they had or had lost sight of along the way. They get to be the whole loveable them that they were born to be, dropping any roles that they had picked up along the way that were never theirs to begin with. They get to find their voice, discover their boundaries, and stand in their own truth of who they are not what they think others want them to be. They discover they can create the life that they have always wanted without guild or shame and celebrate themselves for ALL of who they are and so much more.
Taking the journey of self-discovery, exploration and development is the hardest, painful, uncomfortable yet
Deciding to take the journey, challenge your thinking and what you know is open to everyone, there is no prerequisites and
Many opt to stay safe and in the emotional place they know so very well, and that’s ok. Others believe it’s all mumbo jumbo and pointless and the pain of self-exploration and development is so confronting and traumatising that they choose to never take the journey. And this is ok. It is a deeply personal choice and opinion to take the journey or not.
it’s not exclusive. It is simply a choice. There are so many inexpensive resources out there that can help start your journey, books, audiobooks, podcasts, social media, youtube, the internet and local libraries, anyone can start the journey and you get to choose how fast, how wide, and how deep you take your personal journey. There are coaches like me that can assist you and fast track your growth in a safe supportive manner and space, this is usually a lager and ongoing investment than buying a book or listening to a podcast. The gift in the journey is love, self-love and so much more comes from that and can be achieved from that, I have been honoured and trusted to hold many in a safe place as they gave themselves the gift of being who they were born to be. I could make comment to the gift you give others as a ripple effect of to stepping out on the journey, however, this is a wonderful by-product yet the love and joy you find within is even more than that. Give yourself the gift of love, take a small step on the journey, dip your toe in the water, expand the love and understanding you have for yourself. You are worth it.
Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418
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The Rise, Fall and risks of Cryptocurrency By Warren Strybosch
Graph: Bitcoin falls in early December
In early December the crypto market saw a staggering $570 billion wiped off the crypto market due to fears of further ATO and government intervention. Bitcoin dropped down by over 16 percent with most other coins following its lead. The drop took Bitcoin below $62,000 and back to October pricing. In early November Bitcoin was valued at over $94,000 and this drop reduce that price down by 30% from November pricing. What was interesting is that the drop to below $62,000 took only 60 minutes. Blink and you miss the opportunity to buy at that price. It only took a couple of days for most coins to rebound back to their pre-fall price and Bitcoin, once again, starts its upward trajectory to a value no-one knows where it will end. Why did this occur? The reason is speculative at best, and one must wonder if the information was disseminated to simply cause fear amongst current investors with the sole purpose of trying to reduce the price so others with money could purchase these investments at a lower value. So, what was the news that was being spread around? It simply was greater regulation. However, this is old news so why has it caused such a flurry? We already know that the ATO is monitoring cryptocurrency platforms operating in Australia and that investors now must disclose their profits and losses in their tax returns. Others are speculating that the Fed will jump in and tie up crypto with red tape, making it harder to invest in this asset class. Others have gone so far to state that they believe Bitcoin will drop down to $14,000 in the not-too-distant future. Again, this seems so unlikely given crypto, whilst not new, is only really starting to get noticed by dad and mum investors and it is likely that as more of these punters enter this space, the price of crypto coins will only increase in value and not decease as some are led to believe, even if there is greater regulation. However, some commentors, like Tony Richards, who heads up the RBA payments, believes there might be crash in crypto soon, especially if the central banks try to intervene.
Source: Coinspot
“I think there are plausible scenarios where a range of factors could come together to significantly challenge the current fervour for cryptocurrencies, so that the current speculative demand could begin to reverse, and much of the price increases of recent years could be unwound,” he told the Australian Corporate Treasury Association in November. Whilst no one really knows where the price of Crypto currency is going to be next week or next year, every investor needs to be aware that investing in crypto currency is high risk and the possibility of losing all your money could happen. This was only too real for investors who had their money invested with Blockchain Global Limited, a Melbourne based company, that has recently gone into administration. Blockchain Global Limited operated a cryptocurrency trading platform called ACX and had been managing millions of dollars of investors’ money in crypto coins. In February 2020, the platform stopped working leaving many investors high and try and the company owing over $21 million to creditors. What makes matters worst is that the
administrators are trying to obtain a laptop owned by one of the overseas directors which was holding the credentials required to access the crypto wallet holding all the investors’ money. Apparently, the laptop was stolen from the director at a China airport. I am not sure about you, but if I had the only laptop holding the credentials to a crypto wallet holding millions of dollars of other people’s money, I would not let that laptop out of my site. One must question the validity of the statement made by Mr Yeo regarding Mr Allan Guo, who was in possession of the laptop at the time it was allegedly stolen in China. With all of China’s security, it is surprising they have not been able to track down the missing laptop. This collapse highlights the challenges of getting access to investors’ crypto money when the credentials are stolen or go missing. It is unlikely these investors will see all their money returned to them. Cryptocurrency is designed to be difficult to trace, which has made it popular for those involved in criminal activities, including drug dealing and money laundering. This collapse is likely to be one reason why we will see more regulation in this space.
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DECEMBER 2021 | FIND MANNINGHAM
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Tis The Season To Make Brands Pay Up By Melissa Meehan
(Australian Associated Press)
“This Christmas, we want shoppers to demand better from the brands they love so that our celebrations don’t come at the expense of the women who make our clothes and their families,” she said. Just Jeans, Lorna Jane and Peter Alexander have been put on Oxfam’s naughty list ahead of the silly season. The human rights organisation has called out those brands, as well as Myer, to be open about how and where they manufacture their clothes to help lift the women who make them out of poverty. Oxfam Australia chief executive Lyn Morgain said some brands had failed to make commitments to ensure the payment of a living wage during the pandemic – a time when the industry has grown yet many garment workers have lost their jobs. A living wage means enough money is earned to cover basic essentials for a family including food, housing, health care, clothing, transport, education and some money for unexpected events. “Sunlight is the best disinfectant, which is why transparency around issues of power, whether business or politics, is so important,” Ms Morgain said.
“Three major clothing companies in Australia – Lorna Jane, Myer and The Just Group – have failed to take the basic step of publishing key information about where they manufacture their clothes. “It’s particularly disappointing to see brands that promote the wellbeing of women, such as Lorna Jane, failing to be transparent about the factories in which their clothes are made. This supports a culture of secrecy that is harmful to the wellbeing of all women, including those who make our clothes, and entrenches the massive power disparity between brands and garment workers.” While those three companies have found themselves on the “naughty” list, others have taken positive steps towards backing up their commitment to a living wage.
Those on the “nice” list include Best & Less, Big W, Bonds, City Chic, Cotton On, Country Road, Dangerfield, David Jones, Forever New, Gorman, H&M, Kmart, Mosaic brands (including Rivers and Katies), and Targ Oxfam’s recent report, Shopping for a Bargain, reveals that poor business practices, including aggressive price negotiation, inaccurate forecasting of orders, short lead times and last-minute changes to order, are having a profound impact on the lives of workers. Meanwhile, other brands such as Jeans West and Zara have made some progress, but still have work to do to catch up to the nice brands on their living wage journey.
Support Local, Buy Local, Discover Find Maroondah Do you have photos from a local event or a great story youy would like to share?
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New super laws coming into effect soon will make it easier for you to top up your super/pension prior to age 74 – even if you have already retired. FINANCIAL PLANNING By Warren Strybosch
If you have already retired and set up your pension but have come into some additional funds e.g., inheritance, there are some changes to the superannuation laws that may help you get those funds into super to benefit you in your retirement. There are limitations as to how you can place funds into superannuation. One of those limitations relates to your age and work status. Currently, you must be below age 67 to avoid the ‘work test’. Anyone below age 67 can place additional funds into super and take advantage of the bring-forward rules. However, if you are over age 67, it starts getting harder. For those over age 67, you must prove that you are gainfully employed to meet the superannuation work test. The work test requires you to be in paid work or gainfully employed (that is employed, or self-employed for gain or reward) for a minimum of 40 hours over a consecutive 30-day period during a financial year, before you’re able to make voluntary super contributions. Unpaid work, volunteer work, working for a charity is not considered gainful employment. Also, receiving money from shares, investments, or income from a rental property, is unlikely to be accepted as paid work as these earnings are derived from passive income
sources. You must be remunerated for the personal services you are providing via salary, business income, bonuses, or commission. Also, the employment arrangement must be full documented and declared for income tax purposes. sources. You must be remunerated for the personal services you are providing via salary, business income, bonuses, or commission. Also, the employment arrangement must be full documented and declared for income tax purposes. Very soon, the bill – titled the Treasury Laws Amendment (Enhancing superannuation outcomes for Australians and helping Australian businesses invest) Bill 2021, will be passed through the senate. It is the legislative outcome of the package of superannuation reforms announced in the 2021 Federal budget that is designed to give older Australians, including selffunded retirees, greater flexibility to contribute to their superannuation and access their housing wealth. One of the changes introduced in the bill, will be the increase in age regarding the work test. When the law passes, from July 1, 2022, individuals aged 67-74 will no longer need to meet the work test when making non-concessional superannuation contributions. Individuals will be able to access the non-concessional bring-forward arrangement (subject to meeting the relevant eligibility criteria) prior to turning 74, an increase from age 67.
Access to concessional personal deductible contributions for individuals aged 67-74 will remain subject to meeting the work test These changes are great for those already retired and below age 74. It will provide them with the opportunity to place more funds into super; someone with a total super balance of less than $1.48 million will be able to contribute the full bring-forward amount of $330,000 in one hit. Note: The $14.8 million relates to the bring forward rule and is different to the general Transfer Balance Cap (TBC) of $1.7 million as at 1st July, 2021. If you are over age 67 with money sitting in the bank or you have recently received an inheritance, have less than $1.48million in super, then consider speaking to your financial planner about placing further funds into super for your retirement needs. This information is current as at December 2021. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, 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 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.
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 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.
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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DECEMBER 2021 | FIND MANNINGHAM
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Labor has a very short memory: To win votes they will scrap the new education requirements placed on financial planners.
By Warren Strybosch
This would have to be one of the most frustrating announcements I have heard from Labor. Labor has provided no help to financial planners and pretty much has supported all recommendations laid down from the Royal Commission which has led to the demise of the financial planning industry. Prior to the Royal Commission there were about 33,000 financial planners in Australia and since the Royal Commission, we have seen those numbers drop down to an alarming 18,500 and it is predicted those numbers will fall below 15,000 in the next few years. At every turn, when financial planners were seeking support from local MP’s, most Labor MP’s believed that financial planners deserved everything they got. They were in support of all the recommendations from the Royal Commission. Not only have many financial planners left the industry but the mental and financial toll has been huge on many financial planners who run their own small businesses. Nobody has really talked about all the suicides that have occurred; the loss of family homes, and the mental illnesses that many financial planners have suffered with over the last few years. Has any other industry lost nearly 50% of its profession in such a short period of time?
Don’t get me wrong, I think the financial planning industry had to have a shakeup. It was long overdue. The result has led to an industry that was once looked down upon to now a profession that now has some respect amongst other professionals and is finally, amongst the community, starting to be seen as a more trustworthy profession to deal with. Even accountants, who thought financial planners were no better than the stuff they would wipe off their shoes only a few years ago, now have a respect for anyone who is able to remain a financial planner since the Royal Commission. Many accountants are giving up their limit financial planning licences because it is all too hard and costly to remain in this space.
What about all those financial planners who have worked hard to obtain their necessary qualifications? Many financial planners have already completed their bachelor’s degrees or gone further and obtained post grad qualifications. How will they feel if Labor scrapes the requirements? What do you think? Should the financial planning profession allow existing advisors to remain in the industry if they only have a diploma?
Now, we have Labor coming out and stating that they will scrape the education requirements for existing financial planners. They are stating that anyone with 10 years’ experience in the industry should remain and should not have to obtain the necessary degree or education requirements to remain in the profession.
I personally think that people in Australia want to know that financial planners have at least a bachelor’s degree. For Labor to scrape this education requirement is nearly surmountable to them saying they don’t care what has happened in the past; that they don’t care that people lost their money to ‘salespeople’ who had little or no qualifications and were only in the industry to sell you something. I think Labor has a very short memory. It was not so long ago that the profession had to be clean-up, but Labor seems to want to take us back to the dark ages of financial planning – all to win a few votes.
So, Labor wants to go back to a standard that was sub-par at best and keep people in the profession who likely only did a weekend course to obtain their diploma. Do we really need to have another Royal Commission in the future simply because Labor wants to try and win a few votes?
Do you think a profession like financial planning, that deals with complex issues and people’s money, should have people working in it who have only Diplomas? Wouldn’t you rather know that the minimum standard for all financial planners is a bachelor’s degree?
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2021 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.
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 has been extended by 12 months from a 2021 Federal Budget announcement. Legislation is now in parliament
Announcement(6-Oct-2020)
for approval. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the
Consultation(11-May-2021)
full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year.
Introduced(27-Oct-2021)
For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less
Passed
than $5 billion. Certain large entities will have separate eligibility criteria. Since the original legislation was enacted, further amendments have been made to the laws to allow businesses a choice in using
Royal Assent Date of effect(6-Oct-2020)
full expensing or not. In certain situations, it 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.
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
Announced: 20-Mar-2020
tax applies to businesses with Victorian taxable wages under $10 million. Also, land tax relief has been
Updated: 2-Nov-2021
extended into 2021 for landlords who provide qualifying rental reductions to their tenants. This has 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.
AX UPDATES Employee share scheme tax and regulatory changes proposed
In the 2021 Federal Budget, the government announced an intention to remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS). Since then, exposure draft materials have provided further indications from the Treasury around changing both the taxation and regulatory framework for Australian businesses.
Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced
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
Royal Assent
to make ESS offers to participants in the future.
Date of effect
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.
Announced: 15-Nov-2021 Updated: 22-Nov-2021
For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT concession eligibility.
Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting. Announced: 23-Nov-2021
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.
Updated: 24-Nov-2021
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.
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December REALESTATE 2021
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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: DECEMBER 2021 | FIND MANNINGHAM
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Manningham Grandma Welcomes Children Back to Gooligulch
Manningham’s refurbishment of the much loved playspace, based on Graeme Base’s book, My Grandma Lived in Gooligulch, is now complete with an official opening scheduled for 4.00pm to 5.30pm, Wednesday 15 December. Manningham Mayor Cr Michelle Kleinert said the refurbishment was a successful collaboration between Council, author Graeme Base and the original Gooligulch creative team, featuring artists, fabricators and suppliers. “We listened to the community and worked together to preserve the park’s distinctly Australian theme, inspired by the book,” she said. “The refurbished park will ensure new generations of children can experience this unique story and iconic playspace for years to come.” The refurbishment include a renovated house for Grandma, refurbished play units for children, and reinstated art panels, improved seating, landscaping, picnic areas and signage for everyone. The official opening will include storytelling, hearing from the original creative team and Christmas decoration for Grandma’s house. The upgrade is part of Manningham’s Parks Improvement Program.
Children can once again ride kangaroos, befriend wombats, emus and other characters under the watchful eye of Grandma at the refurbished Gooligulch Playspace in Wonga Park.
“Thank you to our community for their patience over the last few months as we complete the refurbishment,” Cr Kleinert said. For more information visit manningham.vic.gov.au/grandmawelcomes-children-back-to-gooligulch
Warrandyte Community Carols 2021 Warrandyte Community Church will present the Warrandyte Community Carols at Stiggants Reserve. It is a festive atmosphere celebrating Christmas, singing carols, mingling with friends and a positive ambience, advocating diversity. Local singers and musicians will be performing for the well being of Warrandyte and surrounding suburbs.
Council News DECEMBER 2021
Thinking big and acting local: Manningham endorses Placemaking Framework Webinar After months of restrictions, Manningham has emerged with a new Placemaking Framework.
engagement and research at its core. It seeks to ensure community aspirations will drive desired outcomes.
Endorsed at Council Meeting on Tuesday 23 November, the framework outlines Manningham’s commitment to placemaking as a way of enhancing our urban villages and outdoor spaces.
The Framework features a number of short and long term strategies, including:
Manningham Mayor Cr Michelle Kleinert said around the world, communities were seeking a deeper connection to place and to each other.
• •
Cr Kleinert said the Framework will assist our community in recovery and building resilience in the aftermath of COVIDrelated socio-economic impacts. “It will inspire people to re-imagine and reinvent spaces to become places at the heart of every community,” she said. “In Manningham, “connection” is one of the strongest themes emerging from our community engagement for our Vision and Council Plan for the next four years,” she said. The Framework outlines a set of high-level principles for the process of placemaking and has genuine community
•
• •
acknowledging Country and understanding places through the eyes of our community making it easier for traders to do business outside supporting hospitality businesses to better use outdoor spaces for dining, in line with COVID safe practices activating urban villages through placemaking initiatives such as making art, entertainment, and community events encouraging growth and community participation in health and wellbeing practices and creativity in public spaces.
Manningham’s latest placemaking success is the revitalisation of the Ayr Street South shopping district in Doncaster. An official launch of the upgraded shopping strip is scheduled for Saturday 4 December between 11.00am and 1.00pm. For more information visit yoursay.manningham.vic.gov.au/ayr-streetsouth For more information about Placemaking in Manningham, visit yoursay.manningham.vic.gov.au/placemaking-and-outdoordining
Carols by Candlelight Be part of Manningham’s largest Christmas celebration.
and fireworks finale under the stars at Ruffey Lake Park. Park.
Following last year’s cancellation due to COVID-19, we’re bringing back this much loved community event in 2021, along with legendary Australian entertainer, Rhonda Burchmore and of course, Santa.
The event is free to attend however this year, all patrons must pre-register their attendance.
This iconic community celebration will include a concert performance
Bookings will open on Monday 15 November and numbers will be limited in line with our COVID Safe Plan. All ticket holders must comply with the conditions of entry.
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Manningham Carols by Candlelight 2021 Be part of Manningham’s largest Christmas celebration.
or get dropped off at the event.
Following last year’s cancellation due to COVID-19, we’re bringing back this much loved community event in 2021, along with legendary Australian entertainer, Rhonda Burchmore and of course, Santa.
Free event parking is available via King Street with a shuttle bus service operating throughout the evening to and from the event area.
This iconic community celebration will include a concert performance and fireworks finale under the stars at Ruffey Lake Park. Date: Friday 10 December 2021 Time: 6.00pm to 10.00pm (gates open from 4.00pm) Location: Ruffey Lake Park, George Street, Doncaster The event is free to attend however this year, all patrons must pre-register their attendance. Numbers will be limited in line with our COVID Safe Plan. All ticket holders must comply with the conditions of entry. What will Carols look like under COVID safe conditions This year’s Carols by Candlelight will go ahead under strict COVID safe conditions. Event capacity will be limited and all attendees will need to register for a free ticket before the event.
Road closures To ensure access is maintained to local residents, parking restrictions will be in place in the immediate surrounds of Ruffey lake Park Road closures from 4.00pm to 11.00pm will take place within: • • • • • • • • • • • • •
Clancys Lane Cantala Drive (including Leyte Close, Diosma Court, Pagoda Court, Scenic Rise) Miller Place Earl Street Botanic Drive Church Road (from George St to Ruffey Lake Park) McCallum Road Astran Place Roseland Grove The Boulevard Anarth Street Bloom Street Martin Court
All attendees aged 12 years and two months will need to provide proof of full vaccination and check in via QR code upon entry. The event area will be fenced and monitored throughout the evening.
Residents in these areas will receive notification and parking permits prior to the event via a letter box drop
A limited number of performers will be allowed on stage at any given time and food trucks will be spaced out. Unfortunately, there will be no Kids Zone this year.
The fireworks finale will commence around 10.00pm and lasts for approximately five minutes.
COVID marshalls will be on site to ensure appropriate social distancing.
We recommend leaving your pets at home. If you live nearby, secure your pets in a safe, comfortable location or bring them into your house during the display.
Getting there and parking Parking is limited. Plan ahead and where possible walk, cycle
Your family pets
Manningham Carols by Candlelight is proudly presented by Manningham Council.
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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.
Donvale Country Women’s Association afternoon tea 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.
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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.
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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
What’s on this Christmas at Westfield Doncaster This Christmas, it’s time to bring it on! The decorations are going up and we can already taste the mince pies. Westfield is committed to making sure your Christmas experience safe and magical. From visits with Santa to gift ideas for the whole family, we’ve got everything you need to make Christmas easy. Read on for your ultimate guide to Christmas at Westfield Doncaster.
Get it right with a Westfield Gift Card Colette by Colette Hayman, Ground floor 25 Oct - 18 Nov Grab all your favourite accessories! Shop now and buy 2 and get 1 free hair accessories online and in-store. Terms and conditions Not in conjunction with any other offer. Terms and Conditions apply. Please see Colette by Colette Hayman website for full terms and conditions.
Santa photography thanks to our sponsor Subway® Making Christmas Merrier. Tis’ the season to be making merry memories. Create a Christmas memory and book your photo with Santa at Westfield Doncaster. The much-loved tradition of visiting Santa will be balanced this year with ensuring the health and safety of our customers - and of course, Santa and his elves.
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FIND MANNINGHAM | DECEMBER 2021
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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
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Sat: 10am -1pm
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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.
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IS IT POSSIBLE TO LIVE YOUNGER?
Photo by Anastasia Shuraeva from Pexels
RETIREMENT By Bernard Kelly MBA
In 2002, Becca Levy’s (Yale University) research provided us with evidence that adopting a positive mindset on aging creates 7.4 years of additional life, all other variables being equal. But how can you actually live younger in your retirement years? With lifespan increasing significantly, we’re sure that this question has been on your mind. Here’s a few ideas: 1. Get creative and stimulate your mind. It’s fine to do a daily Sudoku puzzle, but to live younger, you really should go a few steps further - towards Creativity. This is when you develop new and original ideas, methods or objects. An example would be when you establish a $2 Travel Club – arrange excursions on your local metro network at the daily senior’s fare.
2. Engage with people of all ages. One of the attractions of volunteering is that you create friendships with likeminded people. You too can achieve this level of satisfaction if you commit to keeping yourself updated on social media. Just pick any platform and start conversions with your peers - on any topic that interests you.
would all satisfy – as long as you commit and become part of the team. Then get further involved by watching relevant YouTube videos. 5. Learn from your younger self. If you are still looking for direction, reflect what were your dreams were at age eight, or twelve or as a late teen.
3. Stand up for what you believe in.
That’s where you’ll find your energy and excitement and the route to living younger.
Today, you don’t need to be out in all weathers on Sundays at Speakers’ Corner.
As over half of us will live at least until our mid-nineties, our retirement years are likely to span several decades.
Today, all you need to do is write a blog.
That’s a long time to be bored, which is why attempts at living younger are so vital.
Blogs are easy – step 1. chose a descriptive name, step 2. register your blog, step 3. write and publish your first post. 4. Commit to a cause You up the voltage on living when you commit to a cause. Earthquake relief, saving an endangered species or education for the marginalised
Bernard Kelly MBA is a retirement coach. Feel free to contact him anytime. His email is bernardkellygeelong@gmail. com
BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach
DECEMBER 2021 | FIND MANNINGHAM
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PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.
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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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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
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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.
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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
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Save Your Time & Grow Your Business • New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up Sum and Substance Bookkeeping, Training and VCFO services
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Office: (03) 9424 9447
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SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS • INVESTMENT LOAN
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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
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KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love
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ARCHITECT
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INDEX PROFESSIONAL SERVICES • Coffee Machine Hire ---------- 7 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00
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HOME & GARDEN
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INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00
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TRADIES - FREE ADVERTISING Email your artwork to editor@findmanningham.com.au. If you wish us to create your ad, we will do this for a minimal cost. Go to www.findmanningham.com.au/graphic-design to upload your details and we will create this for you.
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HEALTH & BEAUTY
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INDEX PROFESSIONAL SERVICES • Book Pouches ---------------------- 51 • Lactation Consultant ----------- 50 • 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
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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”
Introducing our member, Julie “Jules” White. it was practice, practice and more practice and to her amazement she started to get the hang of it. A few months later she decided that total commitment was required and purchased her first set of bowls, paid her fees and joined the club.
Jules was born and bred an East Donny girl, grew up on the family orchard not far from the club in Andersons Creek rd. She felt coming down to the club was a bit like coming home, for the club is situated on what was part of her great, great grandfather Henry White’s 320 acre property, which was land that he cleared to grow vegetables and plant the families first orchard. As a kid she spent an immense amount of time on what had become her Uncle Russell Whites property, playing with her cousins in the creek, swimming in the dams, catching and cooking yabbies and generally getting up to mischief and now years later here she is again, but now playing bowls…. Oh and maybe just a little bit of mischief.
accident saw an end to her working life. However, later she did go on to spend many years on the Board of Pines Learning and Adult Community Education Centre, where much to her surprise over time, she somehow ended up holding all positions on the Board. She began playing at the club in 2018, she joined the U3A group and took to it like a duck to water, well that is, a strong desire to play, certainly not showing any great ability or talent. Like many others
“It has been a great experience so far and I have been so impressed with the way this club runs, the friendliness shown by members, the way everyone works together for the good of the club and the generosity many members have shown me in sharing their expertise and no how”. Luckily for me I was born with 2 green thumbs, one from dad and the other from mum and have been a keen gardener from a young age be it flowers, fruits or vegetables and have even been known to grow trees from the stakes I had made for my tomatoes. So it was an easy choice for me when thinking about what role I could help for the club. After doing a fair amount of weeding and helping fellow members, Jimmy and Graham Morrison with the rose pruning I felt very honoured when Jimmy said “you’re my apprentice”. So with Jimmy and Graham’s approval I began doing some more planting up the pathway to the greens and have loved every minute of it. It suited my theory of “everywhere a flower is growing a weed is not”. Again the teamwork at the club has been ever present. When I asked if it would be possible to get a tap on that side so I could install a watering system, a week later I got a call to say it had been done and to top it off my fellow member Jo Robotham turned up to help me put it in. It assures me, I did the right thing taking up bowls and at the right club”.
She tried several things in her working life from retail to garden nursery work, but it was working in Recreational, Children’s and Disability services that she found her niche, working with what was then the Spastic Society and also local government. Unfortunately a rather nasty DECEMBER 2021 | FIND MANNINGHAM
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Birth, Deaths & Marriages December 2021
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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.
December 2021
www.findmaningham.com.au
