Find Manningham 2022 April Edition

anningham The

APRIL 2022

WHAT’S INSIDE: 04

LOCAL STORIES

05

COLUMNIST ARTICLES

14

TAX UPDATES

16

REAL ESTATE - RENTAL LISTINGS

18

MANNINGHAM COUNCIL NEWS

43

BIRTH, DEATHS & MARRIAGES

60

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SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

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

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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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APRIL 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | APRIL 2022

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ASIC - Influencers providing money advice have been warned Warren Strybosch

Friends/family

35% 22%

News/media

Financial adviser

18%

Other

10%

9%

Other financial Professional

Social media

6%

Source: ARdata consumer survey 2022

Who do you get your money or finance advice from? For many people they rely on their friends and family. For others, it is their professional advisor. In the past their professional advisor was the accountant but now that accountants can longer provide financial advice anymore, more people are turning to licenced financial planners. However, there is a growing number of people who do not seek professional advice but rather put their faith and trust into financial influencers or ‘fin-influencers’.

more likely to be providing financial product advice because it indicates an intention to influence the audience,” the information sheet warned. ASIC commissioner Cathie Armour said the way investors access information is changing.

With a recent survey conducted by the Australian Securities and Investments Commission (ASIC), they found that over 33 cent of 18 to 21 year-olds are following someone a fin influencer on social media to obtain money advice.

ASIC has become concerned about these influencers that they have released a paper INFO 269 warning social media influencers of the substantial risks and penalties they face if they promote financial products and services online.

“ASIC monitors select online financial discussion by influencers who feature or promote financial products for misleading or deceptive representations or unlicensed advice or dealing. If we see harm occurring, we will take action to enforce the law.”

The information sheet warns that anyone discussing financial products and services online or promoting affiliate links must understand their legal obligations, including whether they are providing financial product advice or arranging for followers to deal in a financial product.

“Make sure your content is accurate and balanced. If your online post is misleading, you may be breaking the law.”

ASIC stated that influencers can share factual information but if that information is presented in a way that conveys a recommendation that someone should or should not invest in a product or a class of products, then this may be a breach of law.

“If you’re an influencer who receives benefits or payment for your comments in relation to financial products, you’re

“It is crucial that influencers who discuss financial products and services online comply with the financial services laws. If they don’t, they risk substantial penalties and put investors at risk,” said Ms Armour.

Dr Angel Zhong – who is a senior lecturer in finance in the school of economics, finance and marketing at RMIT University - applauded the move by ASIC, after recent research by the university found that financial information consumed online influenced investment decisions.

“Unverified investment advice is no different to fake news, which is frequently flagged by social media platforms that urge viewers to read with caution,” Dr Zhong said.

“Newbie investors are particularly susceptible to receiving dodgy financial advice, as the internet replaces traditional outlets like accredited financial advisers.

As one of Australia’s most popular fin influencers, better known as the Bare Foot Investor, we emailed Mr Scott Pape, seeking his response to INFO 269. We asked him to comment on his audio books which direct clients to use certain industry funds and personal insurances within those industry funds. Lastly, we asked him if he would be making it clear that he is no longer able to provide

financial planning advice since giving up is Australian Financial Services Licence back in 2020. As of writing this article, we have had no response from Mr Pape.

As a side note, we acknowledge that the financial planning world has changed a lot over the past few years, and it is hard to keep abreast of these changes.

We would encourage Scott to review his material in his books before releasing the next edition. For instance, he may not be aware that most industry fund insurers have changed their Total and Permanent Disability terms about five years ago and now have made it very hard for anyone to get a claim paid under their ‘any’ occupation definition. Also, professionals should consider an ‘own’ occupation definition which cannot be offered by industry funds. Pricing is another factor.

Often it is cheaper in the long term to take up personal insurances with a retail insurer whilst still paying the premiums from their industry fund as a rollover.

Given industry funds don’t offer level premiums, for young people, having a level premium policy can save them thousands of dollars in the long term compared to stepped policies.

Whilst Financial Services Minister Jane Hume last year compared the influencers to “taxi drivers…giving stock tips”, ASIC has taken a dimmer view. Last month, the corporate watchdog updated its guidance and warned unlicensed influencers could face up to five years in prison or significant fines for breaking financial services laws.

ASIC, in the past, have made bold statements and often their bark has been bigger than their bite. It will be interesting to see if ASIC will follow up on INFO 269 as undoubtedly, fin influencers, will continue to provide comments that may be construed as providing ‘money’ advice that they consider is not always in the best interest of consumers.

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APRIL 2022 | FIND MANNINGHAM

5

Influencers in firing line – this time with Therapeutic Goods Administration (TGA) Warren Strybosch

Many people want to become an influencer because of the money they can bring in from incentivised testimonials promoting health care products and the like.

However, the TGA have made revisions to the Code which specifically deals with social media influencers. The new rules prohibit paid or incentivised testimonials by influencers in relation to any and all health products within Australia.

The TGA have stated that influences can no longer be paid for posts related to sunscreen, protein powder, vitamins, supplements, medicines, skin-lightening products, and ‘acne skincare.’

Many people believe the ban or restrictions placed on influencers, be in influencers providing ‘money’ advice (read our other article in this month’s edition related to fin influencers) or those selling health products, can only be a good thing as it will combat misinformation which has become a big concern for regulatory bodies.

Some people have spoken out against the bans believing it will have a negative impact on their lives; namely LGBTQIA+ and female social media influencers.

However, most people believe combating misinformation is more important than some people making a lot of money from promoting products

that they likely don’t care about and/ or don’t believe in. Some people have gone so far as to state that influencers should go and “get a real job”; believing influencers have become famous for all the wrong reasons.

To clarify these new rules brought out this year, the TGA stated that “companies can continue to connect with influencers for the purpose of product promotion”. However, an influencer cannot, whether direct or inferred, provide any type of personal endorsement of health products. They can work with a business but cannot express their personal opinions about the business or the products they sell.

As such, an influencer can be seen holding a product but cannot comment on it or provide a personal testimonial anywhere; be it their own websites, print material, and social media.

According to the TGA, this step will result in greater transparency regarding product reviews and suggestions on social media. Testimonials can be overly persuasive to a sensitive audience looking for products to help with their health and, in some cases, really significant health concerns. The new Code assures that endorsements are as

neutral as feasible and are not swayed by business interests or personal benefit. For the TGA, since the inception of social media, misinformation has been a major concern. Some products have been endorsed that were either fraudulent in their claims or, worse case, led to deaths. The TGA wants consumers to have confidence that any testimonial is free from influence or bias and that the products they purchase have information supplied that is true and correct to label.

The TGA has gone so far as to require influencers to delete past posts in relation to certain products e.g., sunscreen, if those posts were incentivised in any way.

Influencers have been a key sales strategy for many well-known brands and these changes are likely to impact sales in the short term as the grapple with the new codes now in play.

For influencers, they may need to look elsewhere to secure their fortunes. Given the pharmaceutical industry as always been a lucrative one to be a part of the new rules are sure to hurt some influencers bottom line going forward.

Unfortunately, we don’t believe there will be any Change.org campaigns or the like to help their cause.

View Program

APRIL 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | APRIL 2022

www.findmanningham.com.au

Are you a Financial Planner looking for more clients?

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

List in our Find Aged Care Accommodation Website.

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

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

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

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

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

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APRIL 2022 | FIND MANNINGHAM

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Is it possible that your stress is impacting your immune system?

NATUROPATH

By Kathryn Messenger

The last two years have certainly been a challenge for most of us. Whilst some people have enjoyed more time to themselves and cutting out the commute time for work during lockdowns, others have found themselves juggling work with home-schooling, lonely without social interaction, or afraid of the effects of the virus.

What does stress do?

The autonomic nervous system controls digestion, heart rate, and blood pressure, and stress plays a major role in how these functions work. It consists of two opposing modes of operation: the sympathetic and the parasympathetic nervous systems.

You have likely heard of the sympathetic nervous system, the “flight or fight” response, where cortisol production is increased in the adrenal glands. For a short-term situation, this is helpful as it gives you the energy required to deal with the stress and promotes resilience to stress in the future. One example of this is the stress of regular moderate exercise, which has been found to improve and protect the immune system.

But long-term stress is where the problem lies. It dysregulates both the innate and adaptive immune responses. The innate immune system is a generalised first-line of defence against disease. The adaptive immune system recognises diseases previously fought and specialises defences.

Long-term circulation of cortisol increases inflammation through the body and causes tissue breakdown leading to lowered immunity. Both inflammatory and infective disease is increased with long-term life stress.

How can I reduce stress?

The parasympathetic nervous system, “rest and digest”, opposes the sympathetic nervous system, and what’s great about the autonomic nervous system is that you can have control over it. Just 10 minutes a few times a day of slow breathing exercises can increase the time your body spends in the rest and digest mode, reducing cortisol and improving your immune system. As mentioned earlier, regular exercise also helps, along with doing things you enjoy: creative activities, time with friends, time in nature, listening to music or any other activity that brings you joy.

Mix equal parts of each herb and store in an airtight container.

1 teaspoon of tea infused in 1 cup of boiling water.

Let it steep until it has cooled enough to drink.

Remove the infuser and enjoy.

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

YEP tea YEP (yarrow, elder, and peppermint) tea has been used traditionally to both strengthen the immune system and in times of infection. Yarrow is antiinflammatory and relaxing, elder is high in vitamin C and can reduce mucous, peppermint is also relaxing and will reduce mucous. You can use either elder berries or flowers, but I prefer the berries.

You can buy these at a health food shop or organic shop.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

Herbal medicine and nutritional medicine offer natural options for increasing resistance to stress, relaxing the nervous system, and regulating the immune system. A naturopath can make a custom mix of herbs to best treat your unique symptoms.

APRIL 2022 | FIND MANNINGHAM

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SMSF: Non-arm’s length income – expenditure incurred under a non-arm’s length arrangement will attract higher taxes ACCOUNTANT

By Warren Strybosch

Have you ever owned a property in your SMSF and sold it to yourself for less than market value? Are you an accountant preparing the SMSF returns and financials and not charging the SMSF accounting fees associated with doing the work?

Have you lent money to your SMSF and the SMSF is paying the interest at less than commercial rates? If so, the income produced by the SMSF may be taxed at the highest marginal tax rate.

The ATO Law Companion Ruling LCR/2021/2 clarifies how the amendments to section 295-550 of the Income Tax Assessment Act 1997 (ITAA 1997) operates in a scheme where the parties do not deal with each other at arm’s length and the trustee of a complying superannuation entity incurs non-arm’s length expenditure (or where expenditure is not incurred) in gaining or producing ordinary or statutory income.

The amendments apply in relation to income derived in the 2018–19 income year and later income years, regardless of whether the scheme was entered into before 1 July 2018. In other words, it relates to goods or services you received, paid-for, incurred, for which you paid less or received for less than market value. If you did, then some or all of the income with in your SMSF might be taxed at the highest marginal tax rate and not the low tax component rate of 15%.

Example 1 – Non-arm’s length expenditure was incurred to acquire an asset During the 2019–20 income year, Armin holds commercial property with a

market value of $800,000. During the income year, he sells the commercial property to himself acting as trustee of his self-managed superannuation fund (SMSF) for $200,000. The SMSF leases the property to a third party. For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the commercial property from Armin for an amount that is less than its market value.

There is a sufficient nexus between the non-arm’s length expenditure incurred in acquiring that property and the rental income the SMSF derives from leasing the property for the rental income to be NALI. Further, there will be a sufficient nexus between the non-arm’s length expenditure and any capital gain derived on the disposal of the property for the capital gain to be NALI. Example 2 – Non-arm’s length expenditure incurred has a nexus to all income of the fund For the 2020–21 income year, Mikasa as trustee of her SMSF engages an accounting firm, where she is a partner, to provide accounting services for the SMSF. The accounting services include services other than those relating to complying with, or managing, the SMSF’s income tax affairs and obligations. The accounting firm does not charge the SMSF for those services as a result of non-arm’s length dealings between the parties (and not as part of any discount policy referred to in paragraph 51 of this Ruling). For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the accounting services under a non-arm’s length arrangement. The non-arm’s length expenditure (being the nil amount incurred for the services) has a sufficient nexus with all of the ordinary and statutory income derived by the

SMSF for the 2020–21 income year. As such, all of the SMSF’s income for the 2020–21 income year is NALI. Subsection 295-550(1) would cease to apply if the arrangement changes for the 2021–22 income year so that the SMSF incurs expenditure for the accounting services provided by the accounting firm of an amount that would have been expected to be incurred where the parties were acting at arm’s length. In this situation, none of the SMSF’s income for the 2021–22 income year is NALI. Example 3 – Purchase financed through a limited recourse borrowing arrangement on non-arm’s length terms During the 2018–19 income year, Kellie (as trustee of her SMSF) entered into a non-commercial LRBA with herself in her individual capacity to purchase a commercial property valued at $2 million. Her SMSF borrowed 100% of the purchase price and the terms of the loan included interest being charged at a rate of 1.5% per annum and repayments only being made on an annual basis over a 25-year period. Kellie’s SMSF received a commercial rate of rent from the property of $12,000 per month.

If Kellie’s SMSF had entered into an LRBA on arm’s length terms, it would be expected that repayments of principal and interest would have occurred on a monthly basis and interest would be charged on the LRBA at a commercial rate. The loan to market value ratio would have also not exceeded commercial levels. For the purposes of subsection 295-550(1), the scheme involves the SMSF entering into the LRBA with Kellie, complying with the terms of the LRBA, purchasing the commercial property,

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APRIL 2022 | FIND MANNINGHAM

and deriving the rental income. The terms of the LRBA constitute a non-arm’s length dealing between the SMSF and Kellie, which resulted in the SMSF incurring expenditure in gaining or producing rental income that was less than would otherwise be expected if those parties were dealing with each other at arm’s length in relation to the scheme.

a subsequent CGT event happening in relation to the property (such as disposal of the property) being NALI. This will be the case regardless of whether the LRBA is subsequently refinanced on arm’s length terms.

The rental income derived from the commercial property by the SMSF for all income years is therefore NALI, regardless of whether the LRBA is subsequently refinanced on arm’s length terms. The non-arm’s length expenditure incurred under the LRBA will also result in any capital gain that might arise from

It is crucial for trustees to make sure that all transactions are always performed at arm’s length. If you believe that a transaction might not have been dealt with at arm’s length, we would strongly suggest you speak to your accountant before the end of this financial year to see if there is a way to rewind the

[Source: https://www.ato.gov.au/law/ view/pdf/pbr/lcr2021-002.pdf]

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transaction and record it correctly and the appropriate paperwork is in place substantiating the matter accordingly.

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 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.

Inflation on the rise - prepare for interest rate rises

By Warren Strybosch

In February the RBA indicated it could see an inflation rate up 3 ¼ % in mid 2022, though Westpac forecast an inflation rate of 5% in their 14th March forecast. With inflation on the rise, the market is now expecting interest rates to start moving also.

If you have a mortgage or investment loan, it might be time to consider speaking with a mortgage broker about a fixed rate loan. We would encourage you to speak the mortgage broker supporting this community paper – you can find their details on page 2 under columnist or at the end of their article.

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www.findmanningham.com.au

Australian Entities and the EU General Data Protection Regulation.

Should I Have Cover?

GENERAL INSURANCE

By Craig Anderson

Are you running an entity incorporated in Australia and dealing with clients on line who are in the EU, or clients in Australia who have EU citizenship? If you are, and you mishandle their data, you may have simultaneously breached Australian and European Regulations.

To be clear, this article is not intended to offer legal advice, but to highlight you may need to examine a potential area of risk in your business further. You might find the link below useful, but in the meantime, you may be wondering where insurance fits into this conversation. https://www.oaic.gov.au/privacy/ guidance-and-advice/australianentities-and-the-eu-general-dataprotection-regulation Put simply, one of the greatest underestimated risks to any business is the theft, or hijacking, of client data;

thanks to a malware attack or hacking incident.

Once this occurs, the business will likely have to self-report to the Office of the Australian Information Commissioner (OAIC), and let all of their customers know about the breach and the potential impact to those affected. At that point, it may be found that the General Data Protection Regulations (GDPR) rules have been breached as well, and fines may apply. A website which has a survey or chat function which uses cookies may also breach GDPR rules depending how the data is used or stored, and where it is used, and by whom. See link below for self-reporting of data breaches in Australia. https://www.oaic.gov.au/privacy/ notifiable-data-breaches/report-a-databreach Cyber Insurance can cover Crisis Management Costs, Notification and Breach Response Expenses, Defence Costs, Fines and Penalties (where

insurable under the law), Multimedia Liability, Loss of Business Income and potentially Cyber Extortion Money in some circumstances. A cyber-consultant risk. Given the frequency and severity of cyber events, a cyber-policy is a must for businesses, and can be an effective last line of defence against massive cyber related financial losses.

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

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

COVID Grants – Now Approvedas Tax-free Income

By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT).

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APRIL 2022 | FIND MANNINGHAM

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Super and Tax Thresholds for 2022/23 Released FINANCIAL PLANNING

By Warren Strybosch

Super contributions caps: Type of Contribution

Cap 22/23

Concessional Contributions

$27,500

Non-concessional Contributions

$110,000

Non-concessional Contributions – Bring Forward Option

Description Employer contributions (including SG and salary sacrifice) and personal contributions where tax deduction claimed.

Personal contributions where no income tax deduction claimed – available if total super balance < $1.7 million.

Available where person is under 75 at 1 July in year of contribution. This is the maximum amount over a

$330,000

General transfer balance cap

$1,700,000

Low Rate Cap

$230,000

Untaxed Plan Cap

$1,650,000

CGT Cap

$1,650,000

3 year period and is subject to total super balance.

Maximum amount that can be converted to retirement income streams where tax on earnings is zero.

Taxable component (taxed element) that can be withdrawn from super tax-free between preservation age and 60. Previously known as Post 83 “tax-free” or low rate threshold.

This threshold limits the concessional tax treatment of benefits from an untaxed fund that has not been subject to contributions tax.

Lifetime limit where small business CGT concessions applied.

Employment Termination Payments (ETP):

ETPs cannot be rolled over to superannuation.

The ETP cap amount for 2022/23 is $230,000. Therefore, the

Genuine Redundancy:

following rates will apply in the 2022/23 financial year: Age at 30 June

Less than preservation age

Preservation age or over

Amount

Tax Rate *

Below $230,000

30%

Above $230,000

45%

Below $230,000

15%

Above $230,000

45%

* Excluding Medicare Levy of 2% ETP Includes

ETP Excludes

Amounts for unused rostered

A payment for unused annual

days off

leave

Amounts in lieu of notice

A payment for unused long service leave

A gratuity or “golden handshake”

An employee’s invalidity payment (for permanent disability other than compensation for personal injury) Certain payments after the death of an employee Excess over tax-free portion of

The tax-free part of genuine redundancy payment or early retirement scheme for those under pension age.

The tax-free portion of a genuine redundancy or approved early retirement scheme for 2022/23 is $11,591 plus $5,797 for every completed year of service.

Superannuation Guarantee Contribution Rates: The superannuation guarantee contribution rate is legislated to increase to 10.5% from 1 July 2022.

The maximum SG contributions base will be $60,220 per quarter or $240,880 per annum. Employers are not required to pay SG contributions on amounts over this threshold.

Government Co-contributions: The maximum Government co-contribution amount of $500 is available where income is less than $42,016. The higher threshold above which the co-contribution will not be paid is $57,016.

Low Income Super Tax Offset: The Low Income Superannuation Tax Offset income threshold is $37,000 and is not indexed.

Tax on Superannuation Withdrawals (2022/23): Component

Tax Treatment

Tax-free

Tax Free

Taxable - taxed element

Under preservation: 20% plus Medicare Preservation to 59: First $230,000 tax free and balance at 15% plus Medicare 60 and over: Tax free

Taxable - untaxed element

Under preservation: First $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare Preservation to 59: First $230,000 at 15% plus Medicare, $230,000 - $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare 60 and over: First $1,650,000 at 15% plus Medicare and balance at 45% plus Medicare

genuine redundancy

APRIL 2022 | FIND MANNINGHAM

11

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FIND MANNINGHAM | APRIL 2022

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

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation. com.au) so you can promote your facilities and services to the general public. You can

also place any job vacancies on our website that is available in your facilities.

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

COVID Grants – Now approved as tax-free income

By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT).

For more information go to: Income Tax Assessment (Eligible State and Territory COVID-19 Economic Recovery Grant Programs) Amendment Declaration (No.3) 2022.

www.findmanningham.com.au

APRIL 2022 | FIND MANNINGHAM

13

How Cost of Living Pressures Impact on Your Ability to Borrow Photo by Monstera from Pexels

MORTGAGE BROKERING

By Jodie Moore

Over the last few months we have all experienced the impact on our hip pockets from increases in the costs of daily living. From the grocery store to the petrol bowser living costs have gone up significantly without any real increases in wages, so money left over to save for a house or pay off debt is becoming harder to retain. This means that when you apply for a loan with a Bank to buy a home, refinance or complete some renovations, demonstrating that you have capacity to pay back the loan is also getting more difficult.

When assessing your ability to repay a loan the lenders are not just looking at your income, deposit and the security you are providing. They are also looking at what you spend on groceries, utilities, transport costs, entertainment, education and all of your other daily living expenses.

The amount you spend on these costs will have a significant impact on how much you can borrow.

Most lenders use a standard measure called Household Expediture Method (HEM) to estimate a household’s living costs. The HEM is a benchmark figure that estimates how much someone in your location is likely to spend on living costs, taking into account family size and the number of children you have. It varies from person to person as, for example, a family of four living in the suburbs of a larger city is likely to spend more than the same family living in a rural location.

As HEM is used as an estimate, lenders will want to look at your particular spending habits against the HEM benchmark, which they will do by requesting that you supply them with your transaction account and credit card statements, usually over a three month period. Once they examine these statements they will see whether your spending is above or below the benchmark. If your spending is above the benchmark they will use this figure as your living expenses when assessing your borrowing capacity.

HOW CAN WE IMPROVE OUR CHANCES OF GETTING A HOME LOAN APPROVED? It may feel that, with all of the cost of living increases, stagnant wage growth and the doom and gloom around interest rates potentially increasing, getting finance approved is an impossible task except for the privileged few on high incomes and with big balance sheets. Yes the task is getting more difficult, but by doing a few simple things we can improve our chances of getting that loan approval.

1.

2.

Set up a budget and stick to it. This is a key lesson for most of us to learn. Keeping track of where you spend your money can help you identify where you can change your spending habits for the better.

Cut out as much discretionary spending as possible. By identifying where you spend your money you can look at ways to reduce your living costs. Perhaps bringing lunch to work most days rather than buying it, reducing the number of coffees per day or cancelling a streaming

service when you already are paying for several others might be a starting point.

3.

4.

Reduce or cancel any limits on credit cards that you don’t use.

Cancel any Afterpay or Zippay accounts that you may have. These are treated like credit cards and have a negative impact on your ability to borrow.

Doing this well before applying for a loan will give the lenders evidence that you know how to track your spending and manage your finances so affording a loan repayment can be demonstrated. If you can do this and also show consistent savings history then you will be going a long way to ensure you receive a positive outcome on any loan application.

At SHL Finance we have helped a lot of our clients improve their situation by working with them to achieve their financial goals, and we would love the opportunity to help anyone who is wanting to improve their chances of being able to buy a future home. Please call Reece on 0478 021 757 should you want to find out how we can help you.

Please call Jodie Moore on 402513213 or email jodie@shlfinance.com.au

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

APRIL 2022 | FIND MANNINGHAM

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2022 TA Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the

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

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

Royal Assent(14-Oct-2020)

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

Date of effect(1-Jul-2021)

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

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021)

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

Passed(10-Feb-2022)

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

Royal Assent(22-Feb-2022)

However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see

Date of effect(1-Jul-2022

event ‘Work test exemption for low balance retirees’).

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

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

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

Passed(10-Feb-2022)

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2018)

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

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

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

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

Royal Assent(22-Feb-2022)

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

Date of effect(1-Jul-2022)

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

Announcement(8-May-2021)

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

Consultation(12-Jan-2022)

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

Introduced(17-Feb-2022)

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

Passed Royal Assent Date of effect

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

Announced: 30-Jan-2022

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

Updated: 25-Feb-2022

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

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

ATO scrutiny of family trust arrangements On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and

Announcement(23-Feb-2022)

include significant attention to an important carve out for dealings that are “ordinary family or commercial”

Consultation period(8-Apr-2022)

dealings. These dealings are excluded from the anti-avoidance provisions. Trustees need to make sure that

Released

their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year.

Potential end for Div 7A and sub-trust arrangements A draft determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). The assumed provision of financial accommodation in practice means that sub-trust arrangements will have no benefit when it comes to deferral of tax or repayments of loans. When finalised, the determination will apply from 1 July 2022. A

Announcement(23-Feb-2022) Consultation period(8-Apr-2022) Released

consultation period ends on 8 April 2022 and stakeholders are encouraged to have their say with the ATO.

Tasmania COVID-19 stimulus package The Tasmanian Government has extended payroll tax relief for businesses who employ apprentices, trainees or a person under 25 years of age. Previously, the relief from payroll tax was due to end on 30 June 2022, but this will be extended for 2 years to 30 June 2024. Further, support packages continue to be available to assist micro and small businesses that are impacted by lockdowns and restrictions. COVID-19 Business Impact Support Program Round 3 has been announced and grants of up to $10,000 are available. To be eligible, a business will need to have turnover under $10 million and be able to demonstrate a 30% reduction in

Announced: 20-Mar-2020 Updated: 15-Mar-2022

turnover as a direct result of lockdowns and restrictions.

Applications for the grant open 16 March 2022 and will close on 5 April 2022.

Intangible assets depreciation changes proposed New legislation has entered parliament that deals with intangible asset depreciation. The amending legislation comes after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced(9-Feb-2022)

depreciation rates. If the proposal passes through the legislative process, self-assessed intangible asset

Passed

depreciation will begin for assets first held on or after 1 July 2023.

Royal Assent Date of effect

APRIL 2022 | FIND MANNINGHAM

15

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Manningham Have your say about improvements at Warrandyte Community Centre

Engagement is underway to improve the outdoor area at Warrandyte Community Centre.

A concept design for the area has been developed to improve the usage and safety of the space, in keeping with the original design intent. Manningham Council is seeking your feedback on this draft plan. Many suggestions are already being considered, including from the original landscape architect, whose design we are keen to honour. These inputs will shape the final design.

The proposed design includes a rock amphitheatre, picnic tables, seating and landscaping. The improvements will create an outdoor performance space and more options for meeting and eating outdoors.

The draft concept design is based on feedback from tenants of the centre and the wider community. Community requests included: • • • • •

The inclusion of a natural and quiet area with an amphitheatre (performance space), that could be easily accessed, and played on by children.

Maintaining easy access to the building.

Making the area a safe space.

Allowing the area to be a flexible and creative space.

First Nations recognition in art and/or signage.

• •

Integration of the top space near the car park into the design. Address drainage issues.

Create a space with more seating options that can support local traders and the creative industries.

A placemaking approach has been used to understand what is important to locals about this space. The design is expected to make the area more user-friendly while keeping the local ambiance.

Manningham Mayor, Cr Michelle Kleinert said she is excited that the improvements to the outdoor space would allow more opportunities for connecting with other locals.

“Placemaking encourages us all to re-imagine and reinvent spaces” “The Warrandyte Community Centre is already a much-loved local facility. These proposed outdoor improvements will provide further options for socialising and enjoyment.”

Feedback on the concept design can be provided until 12 April 2022. For more information and to have your say, visit yoursay. manningham.vic.gov.au/warrandyte -community-centre outdoor-upgrade This project is being delivered by Manningham Council and funded through the COVID Safe Outdoor Activation Fund 2021.

Council News APRIL 2022

Manningham’s latest recognition as a Welcoming City

Manningham Council has been accredited as a ‘Welcoming City’. “We are proud of this recognition. Manningham is a place where we value and listen to people of all cultural backgrounds. We The Welcoming Cities organisation presented Council with the encourage everyone in the community to connect.”

‘Established’ level accreditation at its Strategic Briefing Session on Tuesday 1 March 2022. The accreditation is a recognition of “2022 will be a big year for us to build on our Welcoming City Manningham’s work to ensure it is welcoming and inclusive. It status. We will soon establish a Multicultural Communities is also based on commitments to build on inclusivity over the Advisory Committee, and we are delivering numerous initiatives next three years. under our Anti-Racism Project. Later in the year, we will launch our new Reconciliation Action Plan.”

Welcoming Cities is a national network that commits to supporting an Australia where everyone can belong, The Manningham community consists of residents born in 111 contribute and thrive. different countries, speaking 84 different languages. In addition: Taking part in the Welcoming Cities network allows councils • 39.8% of residents were born overseas to benchmark its progress. It also helps to identify gaps in • 42.5% of households speak a language other than English welcoming and inclusion practices. at home • 0.2% of residents identify as Aboriginal or Torres Strait Manningham Council and City of Unley (in South Australia) are Islander the first local governments in Australia to become accredited Welcoming Cities at the Established level.

Expressions of interest will soon be sought for Council’s Multicultural Communities Advisory The Welcoming Cities accreditation builds on Manningham’s status as a Migrant and Refugee Welcome Zone. These Committee. This committee will be able to support Council to programs help to foster a sense of belonging and participation be better informed about the for all members of our community. multicultural community and with making decisions that reflect Manningham Mayor, Cr Michelle Kleinert said that the the diversity of the Manningham community. accreditation is a great acknowledgment.

APRIL 2022 | FIND MANNINGHAM

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Manningham Construction beginning for the play space at wonguim wilam

more colour and vibrance to this beautiful area,” said Mayor Cr Michelle Kleinert.

The upgrade will include: a new play space a new shelter, drinking fountain, BBQ and picnic area new art, including community pottery pieces created at the Warrandyte Pottery Expo.

“Warrandyte is a passionate community with great appreciation and respect for its heritage. The new play space is designed to connect children with nature and offer play opportunities for children of all ages and abilities,” said Cr Kleinert.

Stage two of construction of the play space at wonguim wilam, Warrandyte, will begin on Tuesday, 15 March.

The pathway through the play space will be closed during the construction, which is expected to take around three months, depending on potential weather delays.

“Stage one created new open space parklands, picnic spaces, an exercise station and a renewed car park. This next stage is even more exciting. This is all for the children! They will love the new play space, and the artwork will add even

The Victorian Government supports this project through the Local Parks Revitalisation Program contributing $300,000 to the project, with Council allocating $700,000 in its annual capital works budget.

Looking for nominations for our Volunteer Recognition Program

Council is thanking and rewarding Manningham volunteers for their contributions to the community, with $50 gift vouchers.

Volunteers are the lifeblood of many community groups. In Manningham, we have around 20,000 volunteers supporting so many different services.

Manningham’s Mayor, Cr Michelle Kleinert, said that this program recognises and thanks our volunteers, who are often quiet achievers.

“Rewarding our volunteers is a way to recognise the integral role they play in our community, strengthening our community’s wellbeing and connectedness. Anyone can nominate a volunteer. If you know someone who volunteers in Manningham, please take this chance to help us say thank you.”, Cr Kleinert said.

“Nearly 20 per cent of our residents volunteer each year”.

Jackie Burton is one of Manningham’s many volunteers.

She runs a Manningham Transition Home for people with disabilities. Assisting two people at a time for six months, Jackie helps prepare transition residents for independent living.

“This is a way for me to give back to the community. It’s a long term commitment and very satisfying to see my housemates grow into more confident and independent people, ready to move into their own home.’ Jackie said.

Once Jackie’s housemates are ready, they are allocated into independent housing by Manningham Inclusive Community Housing.

Nominations will be open until Saturday 30 April and can be spent in Manningham-based businesses, shops and restaurants.

“These vouchers will reward our volunteers and benefit our local businesses,” Cr Kleinert said.

To nominate a volunteer: 1.

2.

Visit manningham.vic.gov.au/volunteer-recognition-nomination-form to enter their details and the volunteering organisation tell us in 100 words or less why this volunteer should be recognised for their contributions to Manningham.

Council News APRIL 2022

Make a difference in Manningham!

Each Advisory Committee will meet four times a year.

Do you want to contribute to what happens in your community?

Manningham Council is looking for local people to join one of four Advisory Committees. You can apply as an individual or as a representative of a community organisation. Members will work with Council to create a more inclusive, respectful, equitable and healthy community. The committees are: •

Manningham Multicultural Communities Committee (NEW, 10 places available).

•

Manningham Gender Equality & LGBTQIA+ Advisory Committee (NEW, 10 places available).

•

Manningham Health and Wellbeing Advisory Committee (NEW, 10 places available).

•

Advisory

Manningham Disability Advisory Committee (EXISTING, 3 places available).

Manningham Mayor, Cr Michelle Kleinert said that Council’s Advisory Committee members make important contributions to Manningham.

“We are looking for people who live, work or study in Manningham. Applicants should have lived experience, or relevant knowledge or skills relating to the committee that they are applying for.”

“Each of the members will represent the views of the community.

The input that they provide helps to inform decision making and priority setting.”

The Expression of Interest form is available in a range of languages and Easy English. You can also contact Council if you need help to complete the Expression of Interest form.

Nominations will close at 11.59pm on Tuesday 19 April 2022. Hard copy forms are available at the Manningham Civic Centre. You can get more information and apply online at manningham. vic.gov.au/community-wellbeing-advisory-committees

Council recognises leader in ceramic arts Last night (22 March) Jane Annois was recognised for her outstanding contribution to ceramics and her stewardship of the Annual Pottery Expo, held in Warrandyte.

Jane established the expo in 2001 with 24 potters and has grown the event to host 2,000 potters over the 22 years.

“Jane has maintained a high level of quality for the Pottery Expo.” said Mayor Cr. Michelle Kleinert.

“The Expo’s success has been in no small part influenced by the selection and curating of some of the best works from potters and ceramic artists across Australia. In 2021 the Expo hosted the International Academy of Ceramic, showing the importance and impact in the ceramic community.”

Thousands of visitors experience the Expo each year, experiencing the displays and stalls as well as participating in workshops, demonstrations and presentations. The Expo has continued to act as professional development from novice and student to expert ceramic artists.

Further testament to the cross-cultural imp act, French artists who have visited on multiple occasions now regularly meet and colloquially call themselves ‘the Australian Group’. The Expo has been the springboard for other exhibitions and opportunities in Australia, including exhibitions at Manningham Art Gallery.

The Expo is an important event for the Warrandyte community, solidifying artistic connections in the area, which has supported other art-based opportunities such as the recent photography exhibitions at Taffy’s Hut. “The Expo is well supported through the community with sponsorship and support from local businesses and community organisations. I was honoured to open this year’s Expo and announce our commitment to its future with a four-year Community Partnership Grant” Cr. Kleinert said.

Jane will still be heavily involved in the expo, organising guest artists and music, though handing the reigns to Rosemary Irons and Janice Keen.

APRIL 2022 | FIND MANNINGHAM

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Manningham Finally – a mental health service for the young people of Manningham

After years of lobbying from both Council and the community, young people will soon have access to a local headspace youth mental health service.

We welcome the recent announcements by Gladys Liu MP, Federal Member for Chisholm, Keith Wolahan, Liberal candidate for Menzies, and Carina Garland, Labor candidate for Chisholm about a commitment of $1million a year for a headspace service in the Menzies/Chisholm area.

Cr Michelle Kleinert knows all too well about the impacts on young people with the lack of mental health services in Manningham. Michelle started fighting for a headspace service during her first Mayoral term in 2016/2017 and her passion has not waned.

Now in her second term as Mayor, Michelle has been actively working on raising the awareness of the biggest health issue facing Manningham: youth mental health.

Manningham young people along with Cr Michelle Kleinert recently met with Keith Wolahan to share their experiences and the consequences of the lack of services. The young people were very clear, they need the support and early intervention services that headspace offers. Within their age group headspace is known and trusted.

Young people in Manningham are facing a mental health crisis.

“With no dedicated youth mental health service, those suffering

are facing wait times of months for services outside of the municipality. We are transport disadvantaged with limited public transport options, young people are facing extensive travel times to get to the nearest headspace,” said Cr Kleinert.

With youth mental health already worsening before COVID-19, in Manningham, we are now seeing a 48% increase in demand for these services in the past year alone. We will continue to advocate for the service to be delivered in Manningham, where the demand and impact will be the most beneficial. We are committed to engage our community and raise awareness of the need for dedicated local youth mental health services.

Manningham looks forward to working with the Federal members to deliver an accessible service for our young people.

We are open to partner with any organisation that is expressing an interest in delivering this service in Manningham.

Anyone experiencing distress can seek immediate advice and support through Lifeline (13 11 14), Kids Helpline (1800 551 800), or the Government’s digital mental health gateway, Head to Health (www.headtohealth.gov.au).

The Mayor also notes, “Whitehorse City Council welcomes this bi-partisan commitment to the health of young people in Whitehorse. Irrespective of the outcome of the Federal election, we look forward to working with our local Federal members for great local outcomes. The support from both sides of politics reflects consistent and effective advocacy from Council for our community.”

Council News APRIL 2022

Manningham recognised for the inclusive naming process of wonguim wilam In accepting the award on behalf of Council, Mayor Cr. Michelle Kleinert said “This award is for everyone involved in the naming process – it has been a community effort.”

The Mayor thanked Aunty Doreen Garvey-Wandin, Aunty Gail Smith, Aunty Julieanne Axford, and the Wurundjeri Woi-wurrung Corporation for their support and guidance throughout the process.

“This historic moment is the start of many more naming opportunities” said Cr. Kleinert.

She also thanked Geographic Names Victoria for nominating Council and their advice and expertise in the naming process.

On Thursday night, Manningham Council was honoured for acknowledging traditional owner language, preserving culture, and inclusive engagement at the Asia Pacific Spatial Excellence Awards.

Council received the ‘Excellence in place naming’ award for naming wonguim wilam* The award recognises the process taken to engage the community and respect the First Nations cultural heritage of the area, acknowledging traditional owner language.

This wouldn’t have been possible without the participation and support of local organisations including The Lion’s Club of Warrandyte, the Warrandyte Historical Society, and the Warrandyte Community Association. The naming of wonguim wilam involved several Council departments, who collaborated to actively consult, engage, and educate the community throughout the process.

A playground refurbishment is underway, and an official park opening will be held, once completed in mid-2022.

For further information, go to https://yoursay.manningham.vic. gov.au/wonguim- wilam

Building a better Manningham through economic recovery Council is continuing to support our community as we recover from the effects of the pandemic.

With the next Federal Election just weeks away, we are calling for more support to help councils provide much needed services and infrastructure.

“We know our community, and we know what services and infrastructure they need,” said Mayor Cr. Michelle Kleinert.

“We are joining with the Municipal Association of Victoria and the Australian Local Government Association and requesting a once-off $1.3 billion injection of Financial Assistance Grants to boost local economies.”

The injection will enable us to continue to support our community and ensure our economy recovers.

for locals, as we have through the pandemic,” said Cr Kleinert.

We firmly believe that #localsknowwhatlocalsneed so “Our community has a long list of much needed services, #dontleavelocalcommunitybehind. improvements and programs. We alone can’t provide them all. We are calling on the federal candidates for Menzies to To see the current list of projects please visit, Manningham.vic. gov.au/advocacy stand up APRIL 2022 | FIND MANNINGHAM

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What’s On?

Free •

Health and Fitness

Outdoor exercise sessions at Ruffey Lake Park Monda, 4 April 2022 9:30 to 10:30am Ruffey Lake Park

Free •

Free Home Energy Sessions

Future-proof your solar for electric vehicles and batteries Thursday, 7 April 2022 6:30 to 08:00pm

Free to those eligible under the National Immunisation Schem •

Immunisation Sessions

Immunisation in Doncaster Monday evening Monda, 4 April 2022 4:30 to 6:30pm

Free •

Environment and Waste

Garden Waste Disposal Days Saturday, 10 April 2022 8:00am to 4:00pm Mullum Mullum Reserve

What’s On?

Free •

Environment and Waste

Australian citizenship ceremonies

Garden Waste Disposal Days Saturday, 9 April 2022 8:00am to 4:00pm

Monda, 11 April 2022 7:00 to 8:00pm Manningham Function Care

Mullum Mullum Reserve

Free to those eligible under the National Immunisation Schem

•

Free Home Energy Sessions

Immunisation sessions in Warrandyte Saturday, 10 April 2022 8:00am to 4:00pm Mullum Mullum Reserve

Free to those eligible under the National Immunisation Schem

•

Immunisation Sessions

Immunisation sessions in Wonga Park Tuesday, 12 April 2022 10:45 to 11:30am Wonga Park Hall

APRIL 2022 | FIND MANNINGHAM

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Are you Not-For-Profit in Manningham Area?

Advertise your events for FREE on the following pages.

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Doncaster

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

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

Doncaster Kids in the kitchen: Lunchbox ideas they can even make themselves If there’s one thing parents of little ones know to be true, it’s this: there’s no such thing as too many snacks. It’s easy to run out of inspiration when you’re trying to whip up new child-friendly treats every day of the week, espcially for school. If you’re looking for easy, nutritious, and portable ideas, that’s where we come in.

We’ve pulled together the following recipes for healthy, tasty snacks that are so simple the kids can help make them. Plus, they’re based on seasonal produce – which keeps costs low and yummy-ness high. Read on to discover our round up of lunchbox recipes that even the pickiest eaters will love.

Get your shopping list ready and shop for all the ingredients you need at Coles, Woolworths.

Recipe: Bunny-approved delights for your Easter feast Step up your traditional Easter fare with these bunnyapproved recipes that will have your family and friends hopping back for seconds.

With everything from an almost-too-cute-to-eat devilled egg starter, a roasted pork fillet wrapped in pancetta for mains to a scrumptious carrot cake and a chocolate bunny mocktail to finish, you won’t be short on recipes to entertain. So what are you waiting for? Hop to it!

Shop for all the ingredents you need at Woolworths, Coles and the most adorable Easter-themed tableware from David Jones, Myer, Bed Bath N’ Table, Adairs, Wheel&Barrow.

Glow up: How-to nail an easy dewy no-makeup look in minutes Fresh skin, a dewy glow, and a radiant complexion that implies we slept a full eight hours last night. When it comes to our daily makeup, these are things we all dream of. That, and not having to spend all morning in front of the mirror.

But according to skinfluencers and makeup artists the world over, there’s a simpler, faster and better way to achieve the ultimate no-makeup makeup look or rather, your skin but better. And it starts before you even open your makeup bag.

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RETIREMENT

Did you know?

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

LIFESTYLE

ACCOMMODATION

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RETIREMENT

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

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findmanningham.com.au

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Find Retirement with ease and enjoy it.

RETIREMENT

By Warren Strybosch

Step 1: Start thinking about retirement regardless of your age I don’t know what the magic number is for retirement. In the past it used to be age 65 which fell in line with when you could apply for the Age Pension. Now that the Age Pension has increased to age 67, we are starting to see a shift and pre-retirees are starting to talk about age 67 as the new magic number.

There are still some self-funded retirees who like the idea of retiring at age 65 or even soon, given they won’t qualify for the Age Pension, but for most others, the trend is moving upwards in age and retiring later.

Regardless of the age, we encourage everyone over the age of 55 to start thinking about their pending retirement and to consider taking ‘mini-retirements’ now rather than waiting until fully retired.

I will speak more about ‘mini-retirements’ in the next edition. Ideally, we want our clients to consider retirement even earlier than age 55 but as we all know, with the pressures of a mortgage, kids, school fees, and so on, it is hard for most people to give retirement any thought until their later years. When we say consider it, we mean to start planning for it. The sooner you start putting a strategy in place, the better off you will financially be in retirement.

Regardless of your age, it is important to give retirement some consideration for the simple fact that superannuation is now capped. What do I mean by capped? The government changed the laws in 2009 to reduce the amount someone could contribute into superannuation in a given year.

Currently the two main caps are the Concessional Cap (CC) of $27, 500 and the Non-Concessional Cap (NCC) of $110,000. Now that there are restrictions placed on how much can be placed into super each year, everyone needs to consider what amount above the Superannuation Guarantee Contribution (SGC), currently 10%, should be placed into superannuation, at least up to the $27,500. There are other caps but for now we are concentrating on the two most common ones.

The benefit of placing additional funds into super, especially when interest rates are low, is that for every additional $1000

Social Security rates increase Social Security pension and allowance rates increased on 20 March 2022 as a result of indexation. The following tables summarise the latest rates and cut-off thresholds for pension payments (eg Age Pension, Service Pension, Disability Support Pension, Carer Payment).

Per Fortnight

Per Year

Single

$987.60

$25,677.60

Couple (combined)

$1,488.80

$38,708.80

Full Pension

Part Pension

Single-homeowner

$270,500

$599,750

Single-non-homeowner

$487,000

$816,250

Couple-homeowner

$405,000

$901,500

Couple-non-homeowner

$621,500

$1,118,000

Asset Test thresholds:

Income Test thresholds: Full Pension

Part Pension

Single

$180.00 pf

$2,155.20

Couple (combined)

$320.00 pf

$3,297.60

you place into Super up to the CC, assuming you earn more than $45,000, is that you are saving yourself approximately 17.5% or more in tax (marginal tax rate of 32.5% less 15% tax in super = 17.5%). That is a 17.5% return without having to think about it. Then that 17.5% return is going to be working for you and is likely to return more than your current loan interest each year. I tend to look at this way. If I can get a return that is at least three times better than the current interest rate I am paying on my home loan, and with the large initial return of 17.5% (that tax savings in the first year), I may consider placing more funds into super rather than placing more money onto my mortgage. With interest rates being so low, I like the idea of placing more funds into super but as interest rates rise, I will have to reconsider this approach.

Even if you do have a mortgage but you’re earning a bucket load of money and want to reduce tax, the first thing you should be doing, before anything else, is making sure you are maxing out your CCs.

you are building up. I will talk about personal insurances in a future edition – and I don’t mean just take out default cover in an industry fund. That type of advice is out of date and will likely you cost you more over the long term.

What is interesting, is that anyone young, who starts to implement the above, will have a considerable amount in retirement that they might not need to have to do anything else. Starting early is the key. The sooner you start the better your superannuation balance will be.

When the simple things have been done then we can discuss other ways to make money and save on tax. There are plenty of options but as you will learn, they come with a lot more risk.

In my next edition we will talk about spending plans, future goals, and minretirements.

This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any

I often tell my clients to keep things as simple as possible. Do the simple, less risky things first, before venturing into higher risk or larger debt investments.

The two simple things anyone can do is a) max out their CC for themselves and if they have a partner, do the same for them, and b) make sure you have enough personal insurances in place to protect you, your family, and the assets

error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

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Rebirth Yourself RETIREMENT

By Bernard Kelly MBA

Once you exit the paid workforce, don’t bother trying to find another job.

Why? Well the elephant in the room are those workplace health and safety insurance policies, which can frequently exclude any employee aged over 70.

Consequently, for modern elders, second career options can be rather limited.

However, self-employment is a viable alternative and developing a “profitable hobby” is perhaps the best route.

This form of self-employment offers multiple benefits, including the income expanding your friendship network maintaining your zest for living.

And because it is a hobby, it’s not work.

It’s something that you enjoy.

On the other hand, as it is a hobby, something enjoyable that you do parttime, don’t expect that it will generate a substantial income (although it may well do).

So the associated benefits are probably more important.

In particular, as your clients share similar interests to yourself, you’ll find that, over time, your clients will become friends.

For example, if you were selling dog collars, your conversations would evolve naturally into all things doggy, and a friendship would emerge.

HOW TO START

Some options to make it easy for desperate parents to find you is to (1) build your own (free) Google website – name it Last Minute Children’s Gifts – and they will find you.

And of course, you would (2) also list “flower presses” as a free advertisement on various sites such as eBay and Marketplace.

If you’ve never been in business for yourself previously, you can ease yourself into the game by buying and selling something simple.

The key is to emphasise your solution to a parent’s desperation.

Let’s consider flower presses. These are traditional gifts that young children give as birthday presents, and you can buy these in quantity from haberdashery stores.

Now flower presses are educational toys, so consider marketing a package of two (in each sale):

However, you’ll find “success” with this venture if you focus on desperate parents who need – urgently – a gift for next Saturday’s birthday party.

These parents are typically uber-busy, and stressed, and willing to pay whatever you ask – as long as you guarantee rapid next day dispatch.

To them, price is not the concern. Service delivery is the critical component of the sale.

DOUBLE YOUR SALES

one as the gift the other to remain with their family It’s like catching two fish with one hook, eh?

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

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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.

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

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

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

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PROFESSIONAL SERVICES

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

Personal Insurances Include: • Income Protection (IP)

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

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

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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 the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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

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CRAIG ANDERSON GENERAL INSURANCE

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SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

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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.

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

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

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

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INDEX PROFESSIONAL SERVICES

• Coffee Machine Hire ---------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

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editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES • Book Pouches ---------------------- 41 • Lactation Consultant ----------- 40 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

Contact Us

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

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

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

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

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The Autumn Collection is out now!

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

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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”

Donvale Bowls Club is indebted and beholden to many of our beloved characters which define and distinguish it. One such character at Donvale Maurie Vickerman (Pictured) His family arrived in Melbourne from England in 1952 (he modestly claims $10 poms).

He was 10 years old at the time, educated in grades 5 & 6, moving on to Tech School in 1956 finally becoming an apprentice Turner & Fitter.

He had hoped to pursue his first love, a Motor Mechanic, but unfortunately there were no positions available at the time.

Pursuing that trade as a hobby, over the journey he has passionately and faithfully restored 12 cars, mainly Jaguars.

For those fortunate enough to see or experience his work, his attention to detail, would satisfy even the most fastidious critic.

Some would surely argue, his crowning moment awaited, in 1965 he met and married Jan. 1966 he was approached by a work colleague with a proposal to start a business, light engineering which they operated successfully for 22 years.

Along the way he met Rat Rattray-Wood, became a partner in a manufacturing business, again a successful operation which was to last for many years.

It was here in 1982, Jan’s sister unfortunately passed away, Maurie became concerned for her husband Laurie Reid’s future, encouraging him to join in the establishing of the

Donvale Bowls Club, this he did becoming a foundation member.

Maurie had always shown an interest in lawn bowls, his father played with Montmorency for more than 30 years, hence enjoying many enjoyable hours on the green representing Donvale and enjoying the sport around the country when on holidays.

He has been quite successful competing in Club Championship events over those years. After some years he became involved in selection with Geoff Smith and played in “lead” with Smithy as captain, “a very good experience to assist my ability to improve in bowls”.

At some stage Maurie went for his “Bowling Coach” course and eventually started this at our club, and the most important technique was to teach bowlers that the “delivery” part was the most important way to assist them to become a good bowler.

Maurie has been involved and served on numerous committees and projects at Donvale, including one of the longest serving members in selection. (Not for the faint hearted).

A quiet unassuming man who continues to give so freely of his time and expertise when needed, befitting his many achievements and acknowledgments, a Life Membership of the Donvale Bowls club.

How grateful and indebted we are to have him in our care.

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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 Authentication 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 2022 Find© Pty Ltd.

April 2022

www.findmaningham.com.au