Find Manningham August 2022 Edition by Find

anningham The

August 2022

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

MANNINGHAM COUNCIL NEWS

BIRTH, DEATHS & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

See full Article on page 4

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GENERAL INSURANCE

WARREN STRYBOSCH

CRAIG ANDERSON

CLUB SPONSORS

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

Accounting Services

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Counselor/ Psychotherapist

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Painter

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Acupuncture

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Dentist

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PERSONAL TRAINER

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Architect

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ELECTRICAL OPERATIONS

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Photographer

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Architectural Interior Design

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Electrician

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Pilates

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Attorney- Family

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FINANCE BROOKER

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Plasterer

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Auctions- Real Estate

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FINANCIAL PLANNER

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Plumber

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Bookkeeper

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Fitness Trainer

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Podiatrist

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Bowen Therapy

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Flooring

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Printer

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Builder- Commercial

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Florist

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Project Management

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Business Coach

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Garage Doors

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Psychologist

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Business Equipment Financing

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Health & Wellness Coach

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Real Estate Rentals

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Business Insurance

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Homeopathy

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Real Estate Sales

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Cabinets

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Lawn Care

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Reiki

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Caterer

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LAWYER

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Residential Cleaning

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Graphic Designer

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Life Coach

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Residential Mortgage

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Chinese Medicine

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Loans

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Security

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Chiropractor

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MARKETING

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Signs

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Commercial Mortgage

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Massage Therapist

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Solar

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Computer Repair

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Meditation/Yoga

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SOLICITOR

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Computer Web Design

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Naturopathic Medicine

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Travel Agent

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Concrete

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Nutrition

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WEBSITE DEVELOPER

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Copywriting/Copy Editing

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Osteopathy

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Wedding Planner

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AUGUST 2022 | FIND MANNINGHAM

About the Find Manningham By Warren Strybosch

The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing. We value your support, The Find Manningham Team.

anningham The

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 warren@findnetwork.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@manningham.com.au WEBSITE: www.findmanningham.com.au

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

ALL THINGS MANNINGHAM The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne. Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

ACKNOWLEDGEMENT The Find Manningham acknowledge the Traditional Owners of the lands where Manningham now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER Readers are advised that the Find Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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NEXT ISSUE Next Issue of the Find Manningham will be published on Wednesday September 8, 2022. Advertising and Editorial copy closes Monday Sempeber 5, 2022.

AUGUST 2022 | FIND MANNINGHAM

FIND MANNINGHAM | AUGUST 2022

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Helping those in need. By Warren Strybosch

With food and petrol prices on the rise and now interest rates putting pressure on new homeowners, people are starting to find it hard to put food on the table.

essentials they require to get by on a day-to-day basis.

Already, we are hearing stories of families having to go without. With likely interest rate rises continuing to occur this will place even more pressure on those families already struggling to obtain the

In this month’s edition we have tried to find some organisations in the local area who may be able to help those families doing it really tough and require some additional support. Started on page 14,

we list some of these organisations that are providing food relief, a community meal, and/or shelter for the night. We want to thank these organsiations for the work they do in looking after our community.

Cat Curfew By Jodie Moore

There appears to be a growing trend amongst Melbourne councils to bring in stricter policies when it comes to cat ownership. In April 2022, Knox Council implemented a 24/7 ban on domestic cats leaving their owner’s property. There will be a 6 month grace period where only warnings will be issued but then this will change to a $91 fine for first time offences, then jump to $545 for subsequent breaches starting in October 2022. In July 2023, Bass Coast Shire Council will also implement a 24/7 ban on cats straying from their owners property. They intend to have a 12 month education drive in the lead up to this ban. Manningham Council have announced that they will be implementing a trial 24/7 ban but have not yet announced a date for this. The general consensus for this growing trend is to protect the wildlife with a side note about protecting the cats themselves from injury and illness. Protecting the wildlife is important and a night curfew will help with this, but I think it is up to the cat’s owner to worry about illness and injury. However, what about the consequences? Many outdoor cats help to keep the rodent population down. Will we suddenly see a spike in

rats and mice throughout these Councils and neighbouring councils, potentially causing much bigger problems? There doesn’t appear to have been much thought given as to how local households will be able to implement this. Simply building a cat run or enclosing your property in a high fence will be costly (and potentially unsightly) and prohibit many low-income families from doing this. Locking cats up, particularly older cats that are used to being outside seems cruel and is no better than locking up a wild animal in a cage at the zoo. Families who are renting will likely be unable to get permission from their landlord to build an enclosure as well. Will this lead to a lot of cats having to be rehomed because the families can’t afford to cat-proof their property? As I am sure you can guess, I do have a cat. She is a beautiful tortoiseshell DMH

who loves being outside as well as inside. We have a number of cats in our street, and once they established their pecking order, they all seem to get on really well and we quite often find one or two other cats sitting near or in our front yard a couple of metres from our cat. Although they don’t sit together, it appears they still like the company of each other. We ensure our cat comes inside overnight, as do our neighbours and often that means she has to come in by 4pm in the summer otherwise she hides from us so she can stay out. Our house also doesn’t get a lot of sunshine inside throughout the day so she would miss out on that precious light if we were to keep her in 24/7. What are your thoughts on a 24/7 ban on cats leaving their owners property? Email us at editor@findmanningham.com.au and we’ll publish your comments next month.

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AUGUST 2022 | FIND MANNINGHAM

Employers Responsibility – Staff Working From Home

GENERAL INSURANCE By Craig Anderson

Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”. If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords

everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home. The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.

If this is a situation currently causing you concern, and you’d like to explore. Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion. Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”. For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

AUGUST 2022 | FIND MANNINGHAM

FIND MANNINGHAM | AUGUST 2022

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Sole Traders – the ATO will now pass information on to Credit providers

Mr Greco said the ATO used the ability to disclose tax debt information to CRBs as a tool to influence businesses to take their debt seriously. “A lot of businesses treat the ATO as the lender of last resort so just don’t pay it,” he said. “When money becomes tight businesses just stop paying one of their creditors, and the easiest one is the ATO. “A credit rating is very important if you are highly leveraged, therefore this ability to provide this information so all can see is the thing that sometimes gets people to take note of the debt because it starts to impact their ability to finance their operations.” Mr Greco said the IPA wanted to see the ATO customise its approach for each business. “Tax debts are a big problem and it has blown out for a good reason, the tax office was giving businesses a bit more leeway during COVID which was understandable,” he said.

ACCOUNTANT By Warren Strybosch

If you are a sole trader, you have not had to worry too much about any debts owing to the ATO. You would simply be placed on a payment plan and pay off what you can when you can. However, this is has now changed and the ATO is taking a harder stance against those business owners who owe money to the ATO. The ATO will now inform credit provides of debts larger than $100,000. This will have an impact on sole traders and partners seeking any type of finance e.g., home loan, investment loan or car finance, in the future. General manager of technical policy at the IPA, Tony Greco, said the move could provide a more even playing field for businesses. “There are pluses and minuses, the pluses are it makes it more transparent that the market and all credit providers, including trade credit, get to see what level of debt the business has and it provides an extra impetus to that client to engage with the tax office,” said Mr Greco. “If you’ve got one business compliant and another not compliant then that’s

an unfair advantage, so it promotes fairness in the tax system.” The change applies only to sole traders with ATO debts that meet certain criteria. “The rules are currently that it has to be over $100,000 and has to be related to a business debt and it also has to be when the business is basically not responding to current attempts to put it on the payment plan or to pay it,” said Mr Greco. The ATO said that a business or sole trader effectively engaging with it would not be subject to CRB referral, even if the debt exceeded $100,000. The ATO said effective engagement involved having: • • • • •

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A payment plan and complying with the terms of the arrangement An application for release from the tax debt An active objection against a tax decision to which the debt related An active review with the AAT or an active appeal to the court An active review with the AAT of a reviewable decision that might affect the amount of a non-complying superannuation fund’s tax debt with the relevant regulator An active complaint with the IGTO in relation to the tax debt.

“We’ve always asked for a tailored approach so if a business has been caught up in negative COVID scenarios then they [the ATO] should go soft, but if other businesses have thrived during COVID the tax office should go hard.” Before disclosing a tax debt to CRBs, the ATO said it would send a written notice to the business that included steps that could be taken to avoid the information from being reported. As a sole trader it is important to work with your accountant and/or tax agent to make sure you can meet your meet your obligations going forward. That might mean setting up separate bank accounts to keep track of your GST, PAGW, and Super owing, so you have enough funds to pay those amounts when they fall due.

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

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AUGUST 2022 | FIND MANNINGHAM

Green Hydrogen Tech Wins Global Backers

By Stephanie Gardiner (Australian Associated Press)

A Gold Coast tourism campaign once urged visitors to “come back and play”, but new population data reveals many Australians are instead deciding to stay. The Australian Bureau of Statistics has released figures on population changes in the cities and regions between 2011 and 2021, and it shows Queensland’s holiday hotspot experienced the biggest boom outside the capitals. The Gold Coast suburb of Coomera had the largest growth, with 11,500 extra people, while Pimpama had the highest rate of expansion at 600 per cent over the decade. Regional Australia’s residents grew by 832,000, or 11 per cent, while the number of people living in the capitals increased by 2.5 million, or 17 per cent.

Melbourne experienced the largest growth of the capital cities with 806,800 extra people, followed by Sydney, Brisbane, Perth, Adelaide, Canberra, Hobart and Darwin. Canberra had the highest growth rate at 23 per cent, while Adelaide had the lowest at 11 per cent. The latest figures also show the extent of the population boom in Sydney and Melbourne’s outer suburbs, which experienced the largest increases among metropolitan regions. Wollert, in Melbourne’s outer north, grew by 24,200 people, while Schofields, in Sydney’s northwest, added 22,900 to its population. The Mickleham and Yuroke region, 26 kilometres north of Melbourne, had the highest growth rate at 1400 per cent, with Sydney’s Schofields at 960 per cent, and nearby Kellyville at 880 per cent.

Some mining and outback areas experienced population loss, including Mount Isa in Queensland and Ashburton in Western Australia. Outback South Australia’s population declined by 40 per cent. The trends are in line with shorter-term figures on population movements released quarterly by the Regional Australia Institute, based on Commonwealth Bank borrowing data. Its latest report shows the Gold Coast is the most popular place for city dwellers to move, a trend largely driven by millennials attracted to its proximity to Brisbane. The institute’s chief economist Kim Houghton last month said about 20 per cent of the population turns over every five years, based on career, family and lifestyle choices. “We’re a very mobile country by international standards,” Dr Houghton said.

Financial Planning Complaints Trending Down By Warren Strybosch

With all the changes that have occurred in the financial planning profession, it was good to note that there was nearly a 50% reduction in complaints in the 2022 FY compared to the 2021 FY relating to 'Failure to act in the client's best interests' and 'Inappropriate advice'. The evidence from AFCA (the external resolution board that handles financial planning complaints) provides us with a clear picture: The changes that have occurred over the past few years e.g. introduction of the FASEA Code of Ethics and increased education standards, have indeed had a positive impact for consumers. I believe we are moving in the right direction as a profession.

Issue

FY 2022

FY 2021

Interpretation of product terms and conditions*

654

100

Service quality

570

674

Failure to follow instructions/agreement

332

229

Failure to act in client's best interests

281

525

Inappropriate advice

241

534

*New entry to top 5

(Source: AFCA)

AUGUST 2022 | FIND MANNINGHAM

FIND MANNINGHAM | AUGUST 2022

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Personal Insurance: Types of Cover FINANCIAL PLANNING

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By Warren Strybosch

Last month we discussed how much personal insurance you should consider having in place. It was a starting point and seeking professional financial advice is important to determine the right amount of cover for your needs. This month we are going to review the different types of personal insurances you can obtain. It is important to note that that not every insurer offers the below type of cover but they are available through different insurers. Again, seeking appropriate financial planning advice is important. Talk to a licenced financial planner and they can discuss with you what types of cover you should consider. Please do not go to a mortgage broker, the bank or a general insurance broker and ask them to provide you with personal insurance. That is akin to asking a masseur to perform surgery on you…they could do it but they are likely to botch it up. Go to the professionals if you want a professional job done right. Why life insurance is important We insure our cars, home, pet and even our health. But many of us neglect to insure our most important asset – our lives. Whether you need to take time off work to recover from a sickness or injury; change your lifestyle due to a permanent disability, or you die unexpectedly, without your income, it can have a huge impact on you and your family’s quality of life. That’s where life insurance can help. Our range of life insurance covers can help you and your family financially if something bad happens to you. The right cover can help with: • • • •

Paying the mortgage or rent Paying for your children’s education Covering your day to day bills, and Covering out-of-pocket medical expenses

How life insurance works Life insurance is there to pay you and your family when you need it the most. This could be anything from a temporary sickness or injury, through to a permanent disability or death. Life insurance products differ by:

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Events covered: Covers typically protects financially against sickness, injuries or death (or a combination of these) Causes: Some types of cover are limited to accidents only, while others cover you for sickness and accident Lump sum benefit vs daily benefit: Some types of cover pay the benefit as a one off lump sum, while others pay as an ongoing benefit amount. Insurance that makes regular payments typically cover you for the period that you’re out of action

You choose the type of cover and the benefit amount you need. To keep your cover in place, you need to pay your premiums. If you suffer an insured event while your cover is in place, you (or your beneficiaries if you’ve died) can claim the benefit amount, subject to satisfying the relevant terms and conditions. If the unfortunate happens, we will pay out on genuine claims. The conditions on which we pay out depend on the type of cover. Remember to consider this carefully before taking out cover and read the relevant PDS. What's covered? Cover for your family when you're gone... Life Cover Life Cover can help ease the financial burden for your family if you're terminally ill or die. With a lump sum benefit, your family can use the money to pay off the mortgage or other debts and maintain their current standard of living. You choose an amount of cover that’s right for you. Cover for you while you’re living

lump sum benefit paid upon diagnosis may help you access the best medical treatment, or pay down some of your debt. You can choose a benefit amount of up to $2 million, and you are covered for more than 40 specified conditions. Income Protection Cover Income Protection Cover pays an ongoing monthly income for as long as you’re unable to work or until the end of the benefit period, whichever happens first. You can cover up to 70% of your income. Select from a range of benefit periods, from 2 years, 5 years or to age 65. Business Expense Cover You can’t afford to be sick if you’re selfemployed or running a small business. Business Expense Cover helps cover the fixed operating expenses of your business if you are unable to work due to sickness or injury. Similar to Income Protection Cover, you receive an ongoing monthly income (for a maximum of 1 year), but instead of replacing your salary, it covers your business expenses. This can help keep your business afloat while you’re on the road to recovery. Child Cover No one wants to see their child sick. But if it happened to your child, you’d want the best medical treatment available, and that can be expensive. Child Cover allows you to take up to $200,000 cover for kids aged between 2 and 18 and will pay a lump sum benefit if they suffer from a specified serious illness or in the event of their death. Helpful little extras (provided by some insurers) Some insurers provide the following quality features:

Total and Permanent Disability (TPD) Cover Some sickness and injuries may end up leaving you totally and permanently disabled and unlikely to ever work again. TPD Cover pays a lump sum benefit that can be used to make modifications to the family home, access the best rehabilitation or simply provide money to live on. Income Protection Cover only covers up to 70% of your income, so TPD Cover can be used to top up the shortfall.

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Trauma Cover If you suffer from a specified serious illness such as cancer, heart attack or stroke, a

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Provision for continuing cover: Once we issue your policy, we won’t change the terms and conditions or the premium you pay because of a change in your personal circumstances Indexation: We will automatically increase your cover each year to ensure your benefit amount keeps up with inflation (premiums will increase in line with increased cover) Worldwide cover: You are covered 24/7 anywhere in the world Provision for upgrades: If we make changes or introduce new benefits to our products, we will pass this on to you

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What's not covered? There are some situations where you’re not covered and when we won’t pay a claim. This includes not telling us the truth about your health or financial situation when applying for cover.

Who should you talk to? If you are requiring a review of your personal insurances or wish to get some cover in place, then book a time with Warren Strybosch from Find Wealth Pty Ltd t/as Find Insurance.

Read the Product Disclosure Document (PDS) Before accepting the cover that is being recommended to you, take time to read the PDS that should be provided to you prior to filling in an application for insurance. The PDS will go into great detail about each type of insurance and what you are covered for. Given not all insurers cover the same things, it is important you understand what your insurance is going to cover.

Warren has been helping clients for the past 20 years with their personal insurance needs. He has been a finalist for many financial planning awards, won a few awards of the years, and has been recognised as one of Australian’s top 50 most influential advisors. You are in safe hands with Warren. Booking link: https://calendly. com/findgroup/15-minute-phoneconversation

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

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

Union backs plan to fix skills shortages Marion Rae (Australian Associated Press)

One of the country’s largest unions has called on employers to solve skill shortages by employing migrant workers, provided that Australians be trained to help fill similar roles. The resolution was passed by the Australian Workers’ Union national conference in Sydney on Monday. It will be taken as a formal position to the government’s jobs and skills summit, to be held over two days at Parliament House in September. While the union said migration was necessary in the immediate term, it believes employers have an obligation to help Australians fill skill shortages. Under the plan, those employing migrant workers should provide a traineeship or apprenticeship to an Australian in the same role, or contribute to a funding pool to help with training. The union’s national secretary Daniel Walton said the changes were necessary to prevent a “Saudi-style guest worker economy”. “It’s in the national interest for Australians to fill Australian jobs. If we agree on that it should follow that employers be made to take real measures to ensure they’re filling the jobs they create with Australians,” he said. “Employers shirk their responsibility to train Australians, create a skills gap, fill the gap with short term migrants,

exacerbate the skills gap further, repeat. It’s human centipede-level genius.” Under the plan, the union would also call on all new migrant workers to join their relevant union in a bid to crack down on wage theft and exploitation. The jobs and skills summit is set to bring together more than 100 people to Canberra including unions, businesses, governments and civil society.

It’s expected the goals from the summit will include a better trained workforce, a boost to incomes and living standards, and to create more opportunities for people in more parts of the country. Mr Walton said more should be done to help fix shortages in Australian workplaces. “If hiring an Australian isn’t possible today, employers should have to make sure it’s possible tomorrow,” he said.

AUGUST 2022 | FIND MANNINGHAM

FIND MANNINGHAM | AUGUST 2022

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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 Serivices Website. Are you an established and experienced Financial Planner providing Aged Care Advice? Find Aged Care Services 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@findagedcare.services visit our website at www.findagedcare.services

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AUGUST 2022 | FIND MANNINGHAM

Springtime allergies NATUROPATH By Kathryn Messenger

I do like Spring, it brings the promise of warmer weather. I particularly like wattle, the way it blooms well before the weather has begun to warm, like a promise that winter won’t last forever. But for many of us, springtime has a unique set of problems: hayfever and allergies. Symptoms obviously depend on what allergens your body is sensitive to, and the degree of sensitivity will determine the severity of your symptoms. Those with asthma or eczema in their family often have increased genetic sensitivity. What’s going on? An allergen enters the body and triggers an immune response to defend against the allergen. Mast cells (part of the immune response) release histamine which causes inflammation, usually in the nose, throat or skin. What’s going wrong? In someone without allergies, histamine is easily cleared from the body by enzymes called diamine oxidase (DAO) and histamine N-methyltransferase (HNMT). However, if these enzymes are impaired, the histamine can cause a range of allergic responses. Your body needs vitamin B6 and vitamin C to produce

DAO. Be sure your diet includes oily fish, green leafy vegetables, and citrus fruits to provide these nutrients. Digestive issues such as small intestinal bacterial overgrowth (SIBO) can also cause problems, as some strains of unhealthy gut bacteria produce histamine. This can be alleviated by specific probiotics. See a naturopath or nutritionist for the right strains of probiotic, as some strains can exacerbate SIBO symptoms. What to do? Whilst fermented foods have great health benefits, they are high in histamine and should be avoided in times of allergy. Slowly defrosted frozen foods are also high in histamine. Sulphites used as a preservative in some alcoholic beverages and in brightly coloured dried fruit, can also trigger an allergic reaction. Prevention If you’re susceptible to springtime allergies, the following nutrients can be taken in the lead up to and during Spring to help with histamine clearance and strengthening the immune system:

Herbs such as Echinacea can also be used to regulate the immune system. If you suffer from a blocked or runny nose, slow breathing exercises can also help. Sit up straight and inhale through your nose for 3 counts. If possible, hold for a few counts, then slowly exhale through the nose for 5 counts. Do this for 15 minutes without talking and adjust the length of the count to what feels comfortable. Whole Naturopathy has a range of antiallergic herbal medicines and homeopathy stock and can choose the best remedy for your unique signs and symptoms. We can also order in a large range of nutritional products to support you through the Spring.

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see

• • • • • •

vitamin B6 & B12 vitamin C vitamin D quercetin omega-3 fatty acids (found in oily fish) bromelain (an enzyme from pineapple)

a naturopath or other health care practitioner.

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

AUGUST 2022 | FIND MANNINGHAM

2022 TA Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%. Announcement(29-Mar-2022)

The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and

Consultation

ending at 11:59pm on 28 September 2022.

Introduced(30-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for businesses who claim fuel tax credits.

Passed(30-Mar-2022) Royal Assent(31-Mar-2022) Date of effect(30-Mar-2022)

50% minimum pension drawdowns extended for another 12 months Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year. This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023. This measure is intended to support retirees in managing the impact of the:

Announced: 22-Mar-2020 Updated: 12-Apr-2022

recent volatility in financial markets, and prevailing low interest rates on their retirement savings.

Non-commercial losses and the Commissioner’s safe harbour Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

Announcement(11-May-2022) Consultation period(21-Jun-2022) Released

The business will be required to show necessary evidence to support using the safe harbour. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

ATO scrutiny of s 100A 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 include significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings. These dealings are excluded from

Announcement(23-Feb-2022)

the anti-avoidance provisions.

Consultation period(29-Apr-2022) Released

Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing.Trustees need to make sure that 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.

AX UPDATES A new Property Tax coming for NSW The NSW state government has released details of its much anticipated revamping of NSW state taxes in the 2022–23 state budget. From 16 January 2023, the First home buyer property tax option will enable first home buyers to choose between: •

paying an upfront stamp duty, or

•

an annual property tax.

Announcement(17-Nov-2020) Consultation(21-Jun-2022) Introduced Passed

Originally, the option was to replace stamp duty with the annual property tax in New South Wales. This announcement came as part of the 2020–21 NSW state budget.

Royal Assent Date of effect

The property tax option will be available to first home buyers on purchases of land worth up to $1.5 million. Also, if the first home buyer chooses to pay the stamp duty instead of the annual property tax, other stamp duty concessions may become available. Transitional arrangements are also available.

Unpaid present entitlements and extension of repayments The ATO is allowing an extension for unpaid present entitlements (UPE) to private companies initially under an interest-only loan on the final repayment date. The practical compliance guideline deals with UPEs that were put on commercial investment terms in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan. 30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year. The PCG has recently been updated to relate to arrangements ending in the 2017, 2018, 2019, 2020, 2021

Announcement(19-Jul-2017) Consultation period(19-Jul-2017) Released(19-Jul-2017)

and 2022 income years. However, as TR 2010/3 and PS LA 2010/4 have now been withdrawn, only UPEs that arose on or before 30 June 2022 are allowed. Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009–10 income year.

Changes to Div 7A that practically end sub-trust arrangements A finalised tax 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 Announcement(23-Feb-2022)

apply directly to unpaid present entitlements (UPEs).

Consultation period(29-Apr-2022)

In this instance, the provision of financial accommodation will now be assumed. In practice, this means

Released(13-Jul-2022)

that sub-trust arrangements will have no additional benefits either in deferral of tax or repayment of loans. The tax determination applies to trust entitlements arising on or after 1 July 2022.

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AUGUST 2022 REALESTATE

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Manningham Local Manningham Charity Transformed to National Platform By Grace Kathleen

As the colder winter months have embraced Melbourne, the time has come to rug up with a beanie and gloves throughout your daily commute! However, the sad reality is not all of us in Melbourne have the privilege of warm winter clothing. Food products, basic hygiene items and access to shelter, remain a continual struggle for many members of our community. Bright Sparqe, is a not-for-profit organisation, that aims to tackle these crucial issues we are facing as a community by building key connections. Bright Sparqe forms relationships between charities that enable us to support vulnerable community members. Allowing businesses to donate brand new products or unused and unopened food that has not expired, using a simple mobile/desktop platform. Our story begins with Manningham local founder, Charbel Yamouni, who founded the organisation in 2015. As a proud local community member of Manningham, Charbel Yamouni strived to better serve the underprivileged members in the area by founding Bright Sparqe. Initially, Bright Sparqe engaged with bakeries within the Manningham area to collect leftover bread at the end of each day. This bread would then be distributed to surrounding charities within Melbourne. Such charities supported those most in need, ranging from community groups, drug rehabilitation centres and underprivileged youth support services.

Left: Patrick Curry, Operations Lead. Righta: Charbel Yamouni, Founder & Director of Bright Sparqe.

the dashboard in which all nearby registered charities have access to. A charity can browse, accept, and collect items listed within the dashboard and arrange for their collection accordingly. This allows for charities who in-turn support our most vulnerable community, who are the greatest in need, to access clothing, hygiene items and unexpired/unopened food products.

Originally beginning in the pilot phase as volunteers delivering local products to non-profit organisations, Bright Sparqe has now grown to a national not for profit organisation via its online Bright Sparqe web and mobility-based platform.

‘One major benefit of the Bright Sparqe platform is that proximity and location do not impact the ability of businesses to give back to our community’ Curry said. ‘This enables greater connections beyond our local area.’

Bright Sparqe Operations Lead and Warrandyte local, Patrick Curry, shares the support and fast-paced growth of the organisation. ‘Our web and mobility-based platform is growing extremely fast’ Curry said. ‘It is incredible to see charities and support groups being supported in areas all over Australia.’

Do you know of any charities or businesses who could benefit by connecting to the Bright Sparqe platform? Bright Sparqe allows businesses to donate to charities and support groups, providing brand new products and unused or unopened food that has not expired.

Since the launch of the Bright Sparqe platform, Bright Sparqe has facilitated over 6,000 donations and collections between 126 donors and 275 charities. These numbers are rapidly increasing as more charities and donors are onboarded each day.

The application is available now via the web (desktop) and mobility-based applications from the App Store (iOS) and Android’s Google Play.

Businesses can register as ‘donors’ on the platform, whilst non-profit organisations and support groups can register as ‘charities’. Once logged in, donors may upload items to

Additionally, if you would like to donate, get involved or read more on how you can support our community and protect those who are most vulnerable - please follow our Instagram: @bright_sparqe or visit our registered website: www.brightsparge.org

Council News AUGUST 2022

Manningham’s commitment to gender equality Manningham Council’s commitment to gender equality has been marked by the release of its inaugural Gender Equality Action Plan (GEAP). The first GEAP sets out our commitment to gender equality as a defined entity under the Gender Equality Act 2020. Manningham Council Acting Chief Executive Officer, Rachelle Quattrocchi, said that this marks an important milestone and represents our promise to lead with our values. “We are not only meeting our legislative obligations but are taking action against gender inequality in our workplace,” said Ms Quattrocchi. In recent years Manningham Council has taken steps in our journey towards gender equality. Highlights include: •

Affirming a commitment to improving the representation of women as elected representatives in Victorian councils by signing the Victorian Local Government Women’s Charter.

•

Challenging employees to start conversations and actively call out gender bias, discrimination and stereotyping when they see them.

•

Celebrating solidarity in gender and sexual diversity by participating in the Midsumma Pride March since 2021.

•

Learning from the lived experiences of women with disabilities who have experienced family violence as part of the 16 Days of Activism against Gender Based Violence Campaign 2021.

“Although we are proud of these achievements, we recognise that there is still more work to do if we are to realise our vision for gender equality. We have worked hard to ensure that the strategies and actions included in our GEAP not only respond to the seven workplace gender equality indicators, but will allow us to lead and embed change, and facilitate meaningful and sustainable outcomes,” said Ms Quattrocchi. This ambitious program of work aims to ensure all Manningham employees are equipped with the resources, capabilities, skills and confidence to address gender equality which will, in turn, have positive flow-on effects for our community. The GEAP aligns with our 2040 Community Vision - a peaceful, inclusive and safe community, where we all have a sense of belonging and respect for one another. The GEAP can be viewed at manningham.vic.gov.au

Supporting annual International Women’s Day activities.

AUGUST 2022 | FIND MANNINGHAM

Manningham Manningham’s commitment to gender equality Manningham Council’s commitment to gender equality has been marked by the release of its inaugural Gender Equality Action Plan (GEAP). The first GEAP sets out our commitment to gender equality as a defined entity under the Gender Equality Act 2020. Manningham Council Acting Chief Executive Officer, Rachelle Quattrocchi, said that this marks an important milestone and represents our promise to lead with our values. “We are not only meeting our legislative obligations but are taking action against gender inequality in our workplace,” said Ms Quattrocchi. In recent years Manningham Council has taken steps in our journey towards gender equality. Highlights include: •

Affirming a commitment to improving the representation of women as elected representatives in Victorian councils by signing the Victorian Local Government Women’s Charter.

•

Challenging employees to start conversations and actively call out gender bias, discrimination and stereotyping when they see them.

•

Supporting annual International Women’s Day activities. Celebrating solidarity in gender and sexual diversity by participating in the Midsumma Pride March since 2021.

•

Learning from the lived experiences of women with disabilities who have experienced family violence as part of the 16 Days of Activism against Gender Based Violence Campaign 2021.

National Tree Day was a huge success for Manningham National Tree Day was bigger than ever this year, with over 400 people turning up to Ruffey Lake Park to give a gift back to the environment. “We normally see around 200 people at this event, so this year the event really exceeded our expectations. We were blown away by the turnout and thank every community member who came along to join the fun.”, says Mayor Cr Michelle Kleinert. Council’s target of 1200 seedlings were planted along the Ruffey Lake corridor, all in around 1 hour and 45 minutes. The indigenous plants will play a critical role in restoring the park’s natural environment, building a healthy understory habitat

for many smaller species, including lizards and skinks. Council hosts the annual event, providing all volunteers with the necessary tools, equipment and plants. Council thanks the Rotary Club of Doncaster, who provided a free sausage sizzle. “It’s a very wholesome event. It feels good to give back, get outside and be hands-on in the dirt! I think that’s why we always see such a diverse crowd; it’s an event that everyone can enjoy.”, says Michelle. For further information about National Tree Day, go to https:// treeday.planetark.org/.

Council News AUGUST 2022

Draft Reconciliation Action Plan available Manningham Council is seeking feedback from the community on its draft Reconciliation Action Plan (RAP) 2022-2024, which outlines Council’s commitment to the reconciliation process.

the plan is to explore, develop and embed strategies to advance reconciliation across Council’s workplace and the Manningham municipality.

The draft RAP will ensure that we continue to plan and create opportunities for First Nations peoples to make a culturally safe and thriving city.

Manningham Mayor, Cr Michelle Kleinert said that the RAP had been developed to further strengthen relationships between First Nations peoples and the general community.

Council’s RAP will be measured against these aspects of reconciliation:

“We are excited to continue our journey with the traditional owners of the lands and waterways that are now known as Manningham.”

• • • •

Relationships Respect Opportunities Governance.

Our final RAP will be endorsed by Reconciliation Australia and requires a whole-organisation and community approach to achieve the plan’s purpose. The purpose of

The plan has been developed in partnership with the Manningham RAP Working Group, the Wurundjeri Woi-worrung Corporation, other First Nations people and Reconciliation Australia. The draft RAP is available for feedback until Sunday 31 July 2022. For more information, visit yoursay.manningham.vic.gov.au/ reconciliation-action-plan

Council announces 2022-23 grant recipients Manningham Council congratulates the 2022-23 Annual Community Grant Program recipients, who were announced at the Council meeting late last month. Council’s Annual Community Grant Program offers funding opportunities for not-for-profit and community organisations under three categories: Community Development, Arts, and Festivals and Events. “The Program allows us to support our community to provide activities that benefit our communities, strengthening connections and improving their quality of life”, said Mayor Cr Michelle Kleinert. Applications for the 2022-23 Grant Program opened on Monday 7 February 2022, and closed on Tuesday 15 March 2022. Council received 23 grant applications across the three categories. Of these, 17 have been successful.

“Due to the high quality of applications which all demonstrated a great benefit to the Manningham Community, Council endorsed the request for an additional $27,034 in funding to support these great initiatives.” said Mayor Cr Kleinert. The Program received a total funding of $217,034 from the budgeted $190,000 for 2022-23. The 2022-23 recipients represent various disciplines, including community services, disability, health, multicultural services, gender equity, arts and culture and sport and recreation. For further information and to see our complete list of 202223 recipients, go to http://www.manningham.vic.gov.au/ community-grant-program

AUGUST 2022 | FIND MANNINGHAM

What’s On?

Free •

Environment and Waste

Free to those eligible under the National Immunisation Schem

• Cloth Nappies 101 - Online workshop Monday, 8 August 2022 7:30 to 9:00pm

Immunisation Sessions

Immunisation sessions in Warrandyte Tuesday, 9 August 2022 9:00am to 9:45am Warrandyte Community Hall

Free to those eligible under the National Immunisation Scheme

•

Free

•

Health and Fitness

Immunisation Sessions

Immunisation sessions in Wonga Park Tuesday, 9 August 2022 10:45am to 11:30pm Wonga Park Hall

Multicultural Dance for Wellbeing - SOLD OUT Tuesday, 9 August 2022 7:00am - 8:00pm Mullum Mullum Reserve

What’s On?

Free to those eligible under the National Immunisation Schem

Immunisation sessions in Lower Templestowe Tuesday 9 August 2022 10:45am - 11:30am Wonga park Hall

Free to those eligible under the National Immunisation Schem

•

Immunisation Sessions

Immunisation sessions in Park Orchards Monday, 15 August 2022 9:00 to 9:45am

Free •

Health and Fitness

Sunday Sessions Sunday, 14 August 2022 All day Aquarena Recreation Center

Gold coin donation

•

Kids and Family

Park Orchards Market Saturday, 20 August 2022 10:00am - 2:00pm

Domeney Recreation Centre

AUGUST 2022 | FIND MANNINGHAM

Are you Not-For-Profit in Manningham Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to editor@findmanningham.com.au and we will place it in the paper for FREE.

Manningham

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT : EVENTS

Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findmanningham.com.au/nfp-free-advertising

or you can email the ad to the editor@findmanningham.com.au and we will do the rest for you.

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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 Vote for your Westfield Local Hero It only takes a minute to recognise and give back to someone in your community who is doing amazing work. Vote for your Westfield Local Hero today. Westfield Local Heroes is a recognition and awards program that shines the spotlight on individuals and their organisations in Australia and New Zealand who make a positive impact to their local community or environment. The Westfield Local Hero finalist with the highest number of community votes for each Westfield centre will be awarded a $20,000 grant for the organisation they represent. Finalists receive a $5,000 grant for their organisation.

It only takes a minute to recognise and give back to someone in your community who is doing amazing work. Vote for your Westfield Local Hero today.

This year Westfield will award 126 grants across Australia and New Zealand – totaling $1.26 million. Now in its 5th year, the Westfield Local Heroes program will have contributed $6.14M to more than 530 successful Local Hero organisations since it began.

What’s happening View more EB Games: New Pokemon Collection is out now

Village Cinemas: Fathers Day Gift Cards

Universal Store: New from Neovision

Earn rewards when you Click & Collect as a Westfield Plus member

Not a Westfield Plus member? You won’t want to miss out!

Westfield Plus gifting easy

Westfield Plus members get more with every visit makes

AUGUST 2022 | FIND MANNINGHAM

RETIREMENT

AUGUST 2022

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

Centrelink Concession Cards – Are they worth having? RETIREMENT By Warren Strybosch

For many retirees, one of the questions on their mind is whether they will be eligible for a Centrelink Concession Card and what will this entitle them to. We explore in this article the benefits pensioners can enjoy if they obtain the Pensioner Concession Card (PCC) compared to other Centrelink cards like the Low Income Health Care Card (LIHCC) and the Commonwealth Seniors Health Card (CSHC).

National Benefits The following are the benefits provided by the abovementioned cards - PCC, LIHCC and CSHC: 1. Extended Medicare Safety Net (EMSN) Medicare Safety Nets can help to lower your out-of-pocket medical costs for out of hospital services. If you need to see a doctor or get tests regularly, you could end up with high medical costs. Medicare Safety Nets can help to lower your out-of-pocket costs. These can include: • •

seeing a doctor or specialist some tests and scans like blood tests and CT scans.

When you spend over a certain amount in a calendar year, you will receive a higher amount back. Services Australia will calculate the Safety Nets each calendar year, 1 January to 31 December. Keep in mind, your doctor’s visit or test will still cost the same.

What are the thresholds Medicare Safety Nets have thresholds. When you spend certain amounts in gap and out of pocket costs, you’ll reach the thresholds. Once you’ve reached the thresholds, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Services Australia for certain Medicare services. Only verified payments count towards the threshold. Verified payments are when you pay for your health professional service in full, before you make a claim from Services Australia. If you have unverified payments, you’ll need to pay them before they count towards your threshold. Unverified payments are when you don’t pay your doctor’s fee before you claim from Services Australia. Read more about the difference between verified and unverified payments. The threshold amounts are set each year from 1 January.

Thresholds

Original Medicare Safety Net

$495.60

(OMSM)

Original Medicare Safety Net (EMSN)-

$2249.80

General

Extended Net (EMSN)Concessional and Part A

Who it is for

Everyone in Medicare

What counts towards the threshold

$717.90

100% of the

for the calendar

schedule fee for out

year

of hospital services.

Your out amount for the calendar year

cardholders and

Your out of pocket

families eligible

amount for the

for Family Tax

calendar year

Benefit Part A

(Source: serviceaustralia.gov.au)

What benefit you'll get back

Your gap amount

Concession

Medicare Safety

Family Tax Benefit

If you’re enrolled in Medicare, you’re eligible for Medicare Safety Nets. If you’re part of a family or couple you can combine your costs by registering as a family.

Threshold amount

80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

www.findmanningham.com.au

AUGUST 2022 | FIND MANNINGHAM

How they work

Table 1: NSW mainstream concession card benefits p.a.

Medicare Safety Nets have thresholds. These are the dollar amounts you need to reach in gap and out of pocket costs to be eligible. When you’re eligible, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Service Australia for certain Medicare services.

Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $250

Water

$526

Energy

Up to $285

Up to 285

Gas

Up to $110

Drivers Licence

$60

Car Registration

$381

Value

$1,612

$395

A Medicare benefit is the dollar amount Service Australia pays you when you’ve made a claim for a medical service. This is usually 85-100% of the schedule fee. A schedule fee is the dollar amount the Australian Government sets for each medical service. The MBS Online website lists the schedule fee amount. You can search the MBS by keyword or item number to find the schedule fee amount. The Department of Health and Aged Care sets threshold amounts each year from 1 January. 2. Pharmaceutical Benefits Scheme (PBS) Pharmaceutical Benefits Scheme provides benefits to both concession and non- concession card holders. Concession card holders can use the PSB to pay $6.60 for each medicine as a maximum limit while the non- concession card holders can use PSB to pay a maximum of $41.30 for medicine. If a concession card holder is able to pay $ 316.80 which is equivalent to an amount for a calendar year PBS safety net threshold, then their medicine will be free for the rest of the year.

i. Sydney Water typical changes example for water and wastewater (stormwater mot included). ii. Based on yearly renewal fee. iii. Car between 1,155kg - 1,504kg.

You might benefit from other concessions like public dental services- PCC, LIHCC and CSHC; ambulance services- PCC, LIHCC and CSHC; and medical Energy rebate- PCC and LIHCC. 2. Victoria Seniors card eligibility includes (1) age should be 60 or over; (2) working less than 35 hours per week; and (3) permanent resident of Victoria. Table 2: VIC mainstream concession card benefit p.a. Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $247

Water

Up to $346

Electricity

For your clients to know about the medicine’s PBS eligibility they could visit this site (http://www.pbs.gov.au/browse/ medicine-listing) 3. Bulk- Billed Doctor Visits This benefit is for doctors. Medicare will give higher pay for doctors who are treating concession card holder. So, unlike the usual practise with other patients, bulk bill is applicable to concession cardholder. 4. Australia Post If your client is a concession card holder, he is eligible for a MyPost account which entitles him for free stamps discounts on mail hold or mail redirection. 5. Other benefits: The following benefits are provided by the PCC yet are not provided by the LIHCC and CSHC:

Hearing Services This includes hearing assistance or aids and assistive listening devices that are subsidised.

$402

Up to $402

Gas

$177

Car Registration

$423

$153

Value

$1,595

$1,078

i. Victorian Health and Human Services Department example, $100.62 off $672 quarterly bill. ii. Victorian Health and Human Services department example, $88.54 off $580 quarterly bill (only available for charges between 1 May and 31 October). iii. 3000 postcode, includes Transport Accident Charges (TAC).

You might benefit from other concessions in Victoria like nonmains water concession- PCC and LIHCC; excess electricity concessions- PCC and LIHCC if electricity bill is greater than $2,973 p.a.; and excess gas concession- PCC and LIHCC if gas bill is greater than $1,644 p.a. 3. Queensland In Queensland, the seniors card eligibility includes (1) 65 or over, or 60-64 plus holder of PCC, LIHCC or CSHC; (2) working less than 35 hours per week; and (3) permanent resident resident of Queensland. Table 3: QLD mainstream concession card benefit p.a. Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $200

Telstra PCC holders are eligible to avail home telephone discounts.

Water

Up to $120

Electricity

$341

State Benefits

Gas

$76

Car Registration

$170

1. New South Wales

Spectacles

$50

Value

$957

$637

$391

Seniors card eligibility in this state consists of: (1) age 60 or over, (2) working 20 hours or less per week, (3) permanent resident of NSW, and (4) a holder of a green Medicare Card.

$170 ii

$170

i. Assume four cylinder vehicle and concession card issued after 1 July 1994. ii. Eligible for one pair every two years if held card at least 6 months. Assumes a cost of $100.

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You might benefit from other concessions in Queensland from the following: (1) boat registration discounts- PCC and QLD seniors card; (2) some public dental services- all four cards; and (3) medical aids and equipment- PCC, LIHCC and QLD seniors card.

Western Australia requires the following for seniors card eligibility: (1) age of 64 or over; (2) working less than 25 hours per week; and (3) permanent resident of Western Australia. Table 4: WA mainstream concession card benefit p.a. Benefit Type

PCC

Seniors + CSHC

LIHCC

Seniors

CSHC

Council Rates

Up to $750

Up to $100

Water

Up to $600

Up to $100

$300

Drivers license

$44

$22

Car Registration

$240

iii

Dental

$109

$105

$109

Dental

$105

Spectacles

$70

Value

$1,329

$1,259

i. If TasWater client, up to $479 if not. ii. Maximum daily concession multiplied by 365. iii. $45 co-payment for subsidised general check-up. Assumes total cost of $150. iv. 70% discount, assume one pair per year, need to meet additional income and assest test.

4. Western Australia

Electricity

Car Registration

$240

$75

You might benefit from other concessions in South Australia from the following: (1)will and Enduring Power of Attorney discounts with Public trustee for PCC and TAS senior card; (2) wigs for cancer patients for PCC holder; (3) right to information request fee waiver ($41.25) for PCC and LIHCC. 7. Australian Capital Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of ACT. Table 7: ACT mainstream concession card benefit p.a. Benefit Type

PCC i

LIHCC

CSHC

Seniors

$75

Concil Rates

Up to $750

Fire and emergency services levy rebate

$98

Utilities

Up to $800

Drivers Licence

$41

Car Registration

$401

Spectacles Value

Spectacles

$27

Value

$2,000

$1,625

$375

$249

i. With Synergy or Horizon Power. ii. 50% discount off example from WA department of transport, a car weighing 1,650 kg. iii. Assumes cost $150 p.a. iv. $53.85 every two years.

5. South Australia South Australia requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of South Australia.

$27

$40

$100

$2,190

$100

$927

$40

i. Pro-rated discount on five-year $204.90 licence. ii. Car 1,155 - 1,504 kg. iii. $200 subsidy every two years.

You might benefit from other concessions in South Australia from the following: (1) free or reduced ambulance fees for PCC and LIHCC; and (2) green waste concession($ 50) for PCC and MyWay seniors card.

Table 5: SA mainstream concession card benefit p.a.

8. Northern Territory

Benefit Type

PCC

LIHCC

CSHC

Seniors

Cost of living concession

$217

$109

Emergency services levy remission

Up to $46

ACT requires the following for seniors card eligibility: (1) age of 60 or over; and (2) permanent resident of NT.

Water

Up to $440

Table 8: NT mainstream concession card benefit p.a.

Energy

Up to $234

Benefit Type

PCC

LIHCC

CSHC

Seniors

Concil Rates

Up to $200

Drivers License

$24

Car Registration

$129

Value

$1,090

$937

$389

i. Must not be living with anyone with more than $3,000 p.a. income, unless a spouse or receiving a Centerlink allowance. ii. District zone one.

You might benefit from other concessions in South Australia from the following: (1) subsidised glasses for full pensioners and contact lenses for PCC and LIHCC holders; (2) medical heating and cooling concession for PCC, LIHCC and CSHC holders; and (3) personal alert systems rebate for eligible PCC holders who are 70 yrs. Old or over. 6. Tasmania Tasmania requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of Tasmania.

Garbage

$46

Water

Up to $800

Electricity

Up to $1,200

Drivers License

$33

Spectacles

Up to $251

Value

$2,684

$55

i. Darwin rate. ii. Up to $502.20 every two years for the individual and their registered dependents.

Those who are 65 and above are entitled to join the NT Seniors Recognition Scheme and can receive a $ 500.00. This information is current as at August 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does,

Table 6: TAS mainstream concession card benefit p.a. Benefit Type

PCC

LIHCC

Concil Rates

Up to $326

Up to $205

Up to $514

Water

Up to $205

Electricity

Up to $514

or omits to do, anything in reliance on the information contained herein.

CSHC

Seniors

Up to $326

Warren Strybosch Contact them on 1300 88 38 30 info@findretirement.com.au | www.findretirement.com.au

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AUGUST 2022 | FIND MANNINGHAM

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

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

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

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

TRADIES - FREE ADVERTISING Email your artwork to editor@findmanningham.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findmanningham.com.au/graphic-design to upload your details and we will create this for you.

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PROFESSIONAL SERVICES

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

warren@findinsurance.com.au www.findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134 1300 88 38 30

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

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• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

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

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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.

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

ADVERTISE HERE

ABN: 26689211803

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TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals? Consider joining the Find Manningham Network group. If you have any questions, contact Warren on

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editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES

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

ADVERTISE HERE

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HOME & GARDEN

BUSINESSES Do you provide Home and Garden services in the Manningham region? If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

ADVERTISE HERE

AUGUST 2022 | FIND MANNINGHAM

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HEALTH & BEAUTY

BUSINESSES Do you provide Health and Beauty services in the Manningham region? If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

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

AUGUST 2022 | FIND MANNINGHAM

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports. For inquiries call 1300 88 38 30 or email editor@findmanningham.com.au

SPORTS

Donvale Bowls Club is indeed indebted and beholden to many of our beloved characters which define and distinguish it. One such character at Donvale is Anna Brady (Pictured) A brief insight into Anna’s working life, her involvement at Donvale Bowls Club, and the successful experiences it has provided. Her parents met in Treviso Italy, her father based with the RAF and her mother Maria working in her uncle’s restaurant. After the war Anna’s father remained in the RAF and together with Maria, moved to Lancashire in the UK where Anna was born. She was only 4, when her father tragically passed away, just 39 years old. An uncle and aunt who lived in Melbourne persuaded her mother, Anna, and younger brother to come to Australia, the ten-pound Poms bravely sailing to Australia arriving in February 1958, Anna was 5years old. Living in Collingwood near Victoria Park she joined the cheer squad, after school cutting up newspapers and repairing the floggers, joined St Johns Clifton Hill tennis and netball clubs, and supported the boys in the YCW footy club. It was here Anna met her husband, Garry. Garry and Anna married in February 1973 have 3 wonderful children, Nicholas, Vanessa, and Damien, together with 7 grandchildren who they love and adore.

During her working life she has had a variety of jobs, receptionist at Sirdar Wools in 1972 developed a flair for fashion and design, quickly completed a course at RMIT, designing knitwear and writing knitting pattern instructions. In the interim an opportunity arose to import craft books and craft accessories from the US. It was here, Craft Gallery Books was formed which Anna and Gary ran for 9 years, 1989 she successfully applied for a part time position with Shell Australia. This was to be a career at Shell lasting 20 years, Shell eventually winding down operations in Australia. In 1990 she was asked to apply for a permanent position with Experienced Management Recruitment program from challenging beginnings she was to become manager of all operational activities in Australia, accounts payable, credit management, payroll, IT security responsible for 120 staff. Following her successful and challenging professional career, in 2016 Anna together with husband Gary decided to join the Donvale Bowls Club. Sometimes you get lucky, and how fortunate we have been they made that decision. Anna is now Vice President and Membership Director with our management committee. They are much loved and respected workers at our club, adding to and sharing responsibilities whenever needed, generously contributing to our future and success.

AUGUST 2022 | FIND MANNINGHAM

FIND MANNINGHAM | AUGUST 2022

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

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AUGUST 2022 EDITION

Find Manningham August 2022 Edition

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