Find Manningham December 2023 Edition

anningham The

We are looking for business owners who like to join the Find Manningham Network Group and Community Paper.

• Accounting Services • Acupuncture • Architect • Architectural Interior Design • Attorney- Family • Auctions- Real Estate • Bookkeeper • Bowen Therapy • Builder- Commercial • Business Coach • Business Equipment Financing • Business Insurance • Cabinets • Caterer • Graphic Designer • Plasterer • Chinese Medicine • Chiropractor • Creative Director • Commercial Mortgage • Computer Repair • Computer Web Design • Concrete

• Copywriting/Copy Editing • Counselor/ Psychotherapist • Dentist • Digital Media • Electrical Operations • Electrician • Finance Bookeeper • Financial Planner • Fitness Trainer • Flooring • Pilates • Garage Doors • General Insurance • Health & Wellness Coach • Homeopathy • Lactation Consultant • Lawn Care • Lawyer • Life Coach • Loans • Marketing • Massage Therapist • Meditation/Yoga

• Mortgage Broker • Naturopathic Medicine • Nutrition • Osteopathy • Painter • Personal Trainer • Photographer • Plumber • Podiatrist • Printer • Project Management • Psychologist • Real Estate Rentals • Real Estate Sales • Reiki • Residential Cleaning • Residential Mortgage • Security • Signs • Solar • Solicitor • Travel Agent • Website Developer • Wedding Planner

COLUMNIST CONTRIBUTORS

CLUB SPONSORS

FOUNDER | ACCOUNTANT

Cricket Clubs

BOOKKEEPING

JODIE MOORE

CRAIG ANDERSON

MORTGAGE BROKER

FACILITATOR

LACTATION CONSULTANT

REECE DROSCHER

ERRYN LANGLEY

JOANNA STRYBOSCH

WARREN STRYBOSCH

Football Clubs

Netball Club

Golf Clubs

Soccer Club

GENERAL INSURANCE

Basketball Club

Bowls Club

Tennis Clubs

Looking for 8 clubs to join.

LEGAL

VIDEO PRODUCTION

DIGITAL MAKETING

DEAN BOSMAN

ALLISON GROOT

ETHAN STRYBOSCH

Find Manningham Network Members waiting for other people to join.

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FIND MANNINGHAM |DECEMBER 2023

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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 business 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 a core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer.

The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MANNINGHAM The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne.

Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

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

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

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NEXT ISSUE Next Issue of the Find Manningham will be published on Friday January 16, 2024. Advertising and Editorial copy closes Friday December 22, 2023.

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Christmas Day and Holidays

Marry Ann Barnes The Magic of Christmas Day and the Joy of Holiday Celebrations The Christmas season is a time of joy, togetherness, and reflection for people around the world. At the heart of it all is Christmas Day, a holiday that holds a special place in the hearts of many. While Christmas is perhaps the most widely celebrated, it's just one of several holidays that make up the festive holiday season.

Christmas Day: Celebrating the Birth of Jesus Christmas Day, celebrated on December 25th, is a significant Christian holiday that commemorates the birth of Jesus Christ.

It's a time when Christians come together to reflect on the story of the Nativity, the birth of Jesus in Bethlehem, as recounted in the Bible. This day holds deep

religious meaning for Christians and is often observed with church services, nativity scenes, and carol singing.

For many, Christmas is about much more than its religious origins. It's a time of giving, love, and sharing. Families and friends come together to exchange gifts and express their affection for one another.

The tradition of decorating Christmas trees with ornaments and lights, along with the anticipation of Santa Claus's arrival, brings a sense of wonder and excitement, especially among children.

Santa Claus, also known as Father Christmas in some regions, is a beloved figure associated with Christmas.

He is said to travel the world on Christmas Eve, delivering gifts to wellbehaved children. The story of Santa Claus, with his iconic red suit and reindeer- drawn sleigh, adds a touch of enchantment to the holiday season.

The holiday season is a time of reflection, gratitude, and the joy of spending quality time with loved ones. It's a time when cultures from around the world come together to celebrate the values of love, kindness, and generosity. No matter which holiday one observes during this special time of year, the message of unity and goodwill remains a constant, making the holiday season a truly magical and heartwarming time.

Christmas Day is a central holiday in the holiday season, celebrated by Christians and non-Christians alike. It's a time of giving, sharing, and cherishing the presence of loved ones. However, it's just one of many holidays that collectively make the holiday season a time of joy, celebration, and reflection. Whether you celebrate Christmas, Hanukkah, Kwanzaa, or any other holiday, the spirit of togetherness and goodwill is what truly defines this festive time of year.

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Record $2.1 million fine over apprentice's

serious head injury OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them.

WorkSafe Victoria recently reported that an industrial component manufacturer and its director have been convicted and fined a total of $2.24 million and the director placed on a five year Community Corrections Order after an apprentice was seriously injured in Gippsland.

and that it was reasonably practicable to ensure that covers were fixed to the lathe to prevent pipes that protruded from being threaded, or that a fixed steady was used to support such pipes and an exclusion zone used to restrict access to the danger area near the pipe.

WorkSafe Executive Director of Health and Safety Narelle Beer said overhanging work pieces were a wellknown safety risk when using lathes.

"It is incredibly frustrating that this employer had several control measures to eliminate or reduce the risk available but simply chose not to use them," Dr Beer said. "The significant penalties for this company and director reflect the lifealtering impact this devastating incident has had on a vulnerable apprentice who was at the very start of his career."

Dennis Jones Engineering Pty Ltd and sole director Dennis Jones were sentenced in the Melbourne County Court yesterday after earlier pleading guilty to a single charge each under the Occupational Health and Safety Act. The company was convicted and fined a record $2.1 million for recklessly engaging in conduct that placed a person in danger of serious injury.

To manage risks when using metal turning lathes, duty holders should:

Jones was convicted and fined $140,000 for failing to provide or maintain safe systems of work by failing to take reasonable care as an officer of the company. He was also ordered to complete a Community Corrections Order of five years duration with a condition to complete 600 hours of unpaid community work.

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Ensure chucks, faceplates, couplings and clamps are compatible with the lathe and designed so there are no catch points, and worn or damaged tools are removed and not used.

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When oversize workpieces are machined, ensure a bar feeder or fixed/travelling steady is used to support protruding pieces, or modify lathe speeds to ensure protruding pieces do not bend.

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Create a restricted zone around the lathe operator and use suitable barriers and signage to stop employees from unnecessarily.

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entering the work area, including the area around any oversize workpiece

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Ensure suitably identified controls, including an emergencystop button/pedal, are within

In October 2021, Jones directed the 20-year-old apprentice to use a plastic sleeve to steady lengths of steel pipe that he was threading on a lathe at the company's Morwell workshop. The apprentice was holding the plastic sleeve on the end of a pipe that protruded nearly 1.5 metres from the rear spindle of the lathe and was struck when the pipe bent and whipped. He was placed in an induced coma, airlifted to hospital and underwent surgery for serious head injuries.

A WorkSafe investigation found Jones should have been aware of the risk

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Install appropriate guarding to prevent employees from being struck by projectiles or becoming entangled in moving or protruding parts such as drive mechanisms, lead and feed screws, chucks and the workpiece.

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easy access of away from the

operator and working zone.

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Ensure all operators are appropriately trained and competent before beginning work.

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Provide employees with appropriate personal protective equipment (PPE) such as steel-capped boots and safety glasses and ensure no gloves or loose-fitting clothing is worn when operating or cleaning the lathe.

As a business owner, are you confident that you do not have shortfalls in your efforts to keep your workers healthy and safe?

Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe?

At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation.

Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@ beaumontlawyers.com.au for an obligation and cost-free initial discussion.

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

www.findmanningham.com.au

NATUROPATH

By Kathryn Messenger

The lead-up to Christmas can be a whirlwind of activity, shopping, planning, and celebrations. While it’s an exciting time for kids, being the parent who is often reminded of the countdown and just how few days they have left to get through the never-ending list, can be overwhelming and stressful. Finding ways to stay calm and maintain a balanced lifestyle is crucial to enjoy both the traditions of this special time of year and your family.

Here are some tips for remaining calm and healthy as you navigate the bustling days before Christmas.

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A Calmer Christmas

Prioritise Self-Care In the midst of shopping for gifts, decorating, and preparing meals, it's easy to neglect self-care. However, taking time for yourself is essential for mental and physical health. Incorporate short breaks into your day to recharge and reduce stress. Even a few minutes of deep breathing or a brisk walk can make a significant difference, or catch up with a friend if you have a little more time.

Mindful Eating Holiday feasts are a common part of Christmas, but overindulgence can lead to feelings of guilt and discomfort, and sometimes weight gain. Practice mindful eating by savoring your food, eating slowly, and paying attention to hunger and fullness cues. This can help you enjoy a treat without overdoing it. If you do have a massive dinner, skip breakfast and wait until you feel hungry before eating again.

Stay Active Regular exercise is a powerful tool for managing stress. Even during this busy time, make time for physical activity. It can be as simple as a quick home workout, a walk in the evening, or dancing to your favourite music. Exercise not only relieves stress but also boosts mood and energy levels.

Adequate Sleep Sleep is often sacrificed during the holidays due to late-night parties and additional responsibilities.

However, quality sleep is vital for health and managing stress. Prioritise your sleep, aim for 7-9 hours of sleep, create a relaxing bedtime routine including writing a ‘to do’ list so that you don’t wake with it during the night.

Realistic Expectations It's easy to get caught up in the pictureperfect holiday vision depicted in social

At Whole Naturopathy we can treat a nervous system imbalance, reduce your stress, and help to increase your energy levels if you’re needing some extra support at this time of year. media. However, it's so important to remember what Christmas is about, so set realistic expectations for yourself and your celebrations, let others help even if they don’t quite do things the same way you might. Embrace imperfections and focus on the joy of spending time with loved ones.

Practice Gratitude Christmas is an excellent time to reflect on what you're grateful for, and what you really value in your life. Regularly acknowledge the positive aspects of your life. Gratitude can boost your mental well-being and help you maintain a positive perspective, even when things get busy.

In conclusion, finding balance and maintaining calm during the lead-up to Christmas is really important for your health and well-being. Prioritising selfcare, mindful eating, exercise, sleep, and

realistic expectations will go a long way in reducing stress and helping you enjoy Christmas and the lead up to it. If you make choices that support your physical and mental health, it may mean a happier and healthier Christmas for your whole family.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria

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.

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Corporate Insolvency; Or, The death trap of debt and bad luck spiralling out of control!

LEGAL

By Dean Bosman

Often it can feel like the mountain of debt for the business is inescapable, and it burns through your mind day in and day out, trying to get on top of the debt, whilst still needing suppliers to give you material for your business. Often it can be one or two major clients having gone into liquidation that leaves you overextended and unable to make ends meet.

There are a lot of issues to consider of course, and there are no simple answers, however there are some options that can take the pressure off, and in some cases remove it altogether. The simplest and most effective options are Small Business Re-Structuring, Safe Harbour Protections, and Liquidation, sale and purchase through a new entity. These are great options, but with a number of caveats.

Small Business Re-structure For smaller enterprises, the Small Business Restructuring (SBR) process provides an alternative to traditional insolvency procedures. The SBR process aims to streamline the restructuring of small businesses, making it more cost-effective and less time-consuming. Under this scheme, eligible small businesses can develop and propose a restructuring plan to creditors, allowing them to continue trading while addressing their financial challenges. The director stays in control, and the forensic accountant (a registered liquidator) provides suggestions and advice about how to manage the debt, how to streamline the business, for example outsourcing things that can be done faster and better by specialists, but mainly dealing with your creditors and making a deal with them. Many creditors will take a lesser amount on the basis that there will be ongoing trade for them.

In order to qualify for SBR, you need to have a maximum of $1M in debt, your tax returns and BAS’s up to date, and employee entitlements (read Superannuation) up to date. You will need to engage a registered liquidator.

Safe Harbour Provisions Recognizing the challenges faced by directors in distressed companies, the

government has introduced safe harbour provisions. These provisions provide directors with a degree of protection from personal liability for insolvent trading if they take prompt and reasonable steps to develop a course of action that is likely to lead to a better outcome for the company and its creditors.

To avail yourself of safe harbour protections, directors must be able to demonstrate that they have acted in good faith and with due diligence to prevent the company from trading while insolvent. This may involve seeking professional advice, developing a restructuring plan, or taking other measures to improve the company's financial position. By doing so, directors can shield themselves from personal liability and contribute to the preservation of the company's value. Again, you will need a registered liquidator to assist.

Creation of New Corporation, Sale of Business to the new Corporation, then Liquidation of the old, indebted Corporation First of all, this is not a Phoenix Operation.

A Phoenix Operation is where the old corporation transfers its assets, accounts, funds, stock in trade etc to a new entity, and then carries on trading, avoiding the old company’s debts. It will often involve de-registering the old corporation.

This is unlawful, and quite simply a foolish way to try and resolve things.

There are two ways you can go about this: 1.

Engage a registered business valuer to provide a formal valuation on the business, and then purchase the business from the old corporation with a new corporation. Do not use funds from the old corporation for

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DECEMBER 2023 | FIND MANNINGHAM

the purpose, or the new corporation will be owned by the old one.

The transaction must ne an ‘arms length’ transaction, which means the funds must come from elsewhere – it can be a loan to the new entity, you may have savings that have accrued from drawing your salary from the old corporation, as long as you have paid PAYG tax, you can pay yourself with franked dividends (ask me about this if you’re unsure, as it’s an entire article on its own). As long as the source of the funds does not come back to the old corporation.

You will need to have formal business sale contract to ensure everything is done legitimately, and the contract will list all the assets, stock etc that are being transferred, so there is a clear path in which the assets are transferred as part of the transaction.

You can then appoint a liquidator to the company, though the funds for the purchase must stay with the old entity. Those funds can be used to pay the liquidators fees, and any balance will be spread among the creditors of the old corporation (usually for a small percentage of the debts owed). The liquidator will review the transaction to make sure it is not an ‘uncommercial transaction’ – for instance of the valuer says the business is worth $50,000, but you only pay $30,000, the liquidator will come after the new entity for the

$20,000 difference. Also be aware that if you have given personal guarantees for debts, this process will not avoid the guarantees, and the creditors with guarantees will still come after you personally.

2.

Engage a liquidator for the old entity, then create a new entity and have the liquidator provide a valuation on the business of the old entity from a registered valuer, and as above, the new entity buys the business from the liquidator. As long as the transaction is an “arms length” transaction, then the transition to the new entity is genuine and without issues.

Again, the liquidator uses the funds from the sale of the old business to pay out the creditors, and the old corporation is de-registered.

The good thing about this process, whichever you use, is that the former owner of the business is best placed to pay the highest value – someone who does not know the business would be taking a risk, and therefore will not pay as much for the old business.

Now the caveats.

If the director has carried on a long time with the debts, incurring new liabilities with no chance of paying them, he or she may be trading whilst insolvent, and may have exposed themselves to personal liability for the debts of the company. Accordingly, the sooner

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the better to take action before any chance of insolvent trading looms.

Wrap Up Navigating insolvency does require an understanding of the legal options available to businesses in distress. Liquidation and business sale, conducted through ‘arm's length’ transactions, can provide an avenue for companies to shed the burden of old debts and continue operations under a new corporation.

Additionally, the implementation of safe harbour provisions and Small Business Restructuring, offers directors protection from personal liability, encouraging them to take the necessary steps to revive the company's financial health.

It is crucial to seek advice before taking steps, so feel free to call me to discuss. There is no fee for an initial discussion, which can include talking with an insolvency practitioner to ensure compliance with the relevant laws and regulations.

We have a number of liquidators we use, and they are very good at navigating the issues with you.

Dean Bosman www.mercantilelegal.com.au dean.bosman@mercantilelegal.com.au

0422 114 300

Warren Strybosch Financial Adviser hosted by Ben Nash @findfoundation/videos

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Life insurance through the ages FINANCIAL PLANNER

By Erryn Langley

Whoever said, ‘the more things change the more they stay the same’, was dead wrong when it comes to life insurance.

While protection against adversity is always wise, your actual needs change as you move through different ages and stages of life.

From when you take your first job and go out into the world, life insurance in all its many forms has a role to play.

Life insurance falls into four main categories: • Income protection - Pays a monthly benefit if you are unable to work due to sickness or injury • Trauma - Pays a lump sum for a specific injury or illness • Total and permanent disability (TPD) - Pays a lump sum if you are permanently unable to work • Death - Pays a lump sum if you die or become terminally ill.

Shifting needs Life insurance is like a bell curve – you need a low level of cover when you are setting out in life, growing to a high level in your middle years when your responsibilities and debts are at their peak and then possibly dropping back when you retire.

The need for cover is ultimately about ensuring you have sufficient financial back-up should something go wrong.

While superannuation offers most Australians some form of life insurance, it is generally a basic level of cover and may need topping up outside super.

Each stage of life has its challenges, whether you are young and single, just married, starting a family, empty nesters or retiring. Whenever a major event occurs in your life, such as marriage or the birth of a child, you need to consider whether you have the right cover for your current needs.

Young and single When you are starting out in life you may not need life cover, but what would happen if you were injured in a car crash and couldn’t work for six months? What happens when your sick leave runs out?

How would you pay your rent, car loan, utility bills and basic living expenses?

That’s when income protection insurance can be a lifeline.

Just married Once you are part of a couple you naturally want to protect each other’s wellbeing. If something happened to either one of you it could put tremendous strains on the other person. This is even more likely if you have bought a home and are saddled with a mortgage.

Life insurance, income protection and trauma insurance can all help you protect your lifestyle. And both partners should seek cover because both are contributing.

Starting a family Once children come on the scene, the need for life insurance is even greater. If something were to happen to you or your partner, then the financial burden could be significant. Who would look after the children? Could they stay at the same schools? Could your partner pay the mortgage on one salary?

Income protection, life insurance, trauma insurance and total and permanent disability should all be considered. Once again, it’s important to make sure both partners are covered – even if one isn’t working, the costs associated with childcare and household tasks can be considerable.

Empty nesters Just because the children have left home doesn’t mean you don’t still need access to money should something occur. Sure, you are probably at the peak of your earnings, but many empty nesters still have a mortgage. Even if you don’t, why put at risk all the wealth you and your partner have worked hard to build up for your retirement? Life insurance can help you protect these assets.

Retirement Once you are retired, your need for life insurance may diminish. At this stage of life, you will probably have paid off your mortgage and your children are likely to be independent. As a result, insurance cover might just be a means to leave an inheritance for your children. Or you might want to have a policy to provide for your funeral.

Life is forever changing, as are your insurance needs. It is not a one-size-fitsall.

How to plan a gap year for grown ups It’s not just school leavers who dream of a gap year. Those of us who’ve been working for a decade or two (or more) may also long for a real break from career and commitments.

It does not even need to be a year – just enough of an extended break to reset and to take stock of what’s important to you. There‘s the opportunity to learn new skills or another language, explore different cultures or do a road trip around Australia.

By planning ahead and making sure your break is not going to derail future financial goals, taking an extended period off work can be achievable.

Dare to dream Start by finding an idea that might work for you. There are a host of websites that can help you to plan your adult gap year. They will provide tips and tricks for travel and where to find work (paid or volunteer).

You might consider: •

Setting off around Australia. Taking off on an extended trip you can take the time along the way to really get to know parts of the country you’ve never seen. You could camp, caravan or stay in quirky country motels along the way.

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Chasing the sun. Research affordable countries in warmer climates and set up in a beach shack. You will need to check rules on tourist visas.

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Becoming a backpacker. There are plenty of cheap but comfortable accommodation options around the world to allow you to prolong your time away.

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Taking a long walk. You can find much-loved and ancient tracks in Australia and around the world to expand your horizons. From the Great Himalayan Trail in Nepal – to Spain‘s Camino De Santiago, or one of Australia‘s iconic walks such as the Heysen Trail in South Australia.

The importance of planning Once you have established what your break will involve, work out a budget that takes account of the costs you will continue to incur (such as mortgage or loan repayments, insurance, utilities, car registration and rates) as well as your best estimates for accommodation, food, travel and spending money for your destination(s).

Don‘t be daunted by an amount that may appear unachievable at first glance.

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Work out how to save on costs when travelling. Some ideas include: •

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Living like a local. Try swapping your house with someone in another part of the world. House swap websites match up homeowners looking to live in different places for varying periods of time. Alternatively, you could rent out your home while you are away and/or sign up to a housesitting website.

Working differently. Your gap year might be more about doing something different than taking it easy. Find organisations and websites – such as http://workaway.info/ and http:// wwoof.com.au/ - that cater for working travellers. You could choose to work on farms around the world in return for food and board for example.

Becoming a digital nomad. If manual labour isn‘t your thing, you could pack your computer and hook up to one of the many digital work websites – such as http://digitalnomadsworld. com/, http://upwork.com/ or http:// fiverr.com/. Many countries now encourage this trend by offering digital nomad visas.

Then, with your costs under control, and a clear goal in mind, it‘s time for a savings plan.

You will want to reduce your current living expenses as much as possible to maximise savings and think about setting up a direct debit to a high interest savings account. Check the https://moneysmart. gov.au/saving/savings-goals-calculator to see how much you will need to save every month.

If you have more than a few years to plan your gap year, you could look into some longer term savings and investment options such as shares, exchangetraded funds (ETFs), or term deposits.

While a gap year is exciting, planning ahead financially is essential to ensure you don’t fall into debt.

You also need to carefully consider how this could affect your long-term financial goals. You probably won’t be making super contributions, so this may impact your super balance and retirement plans.

Keeping your self accountable

“At the end of the day, we are accountable to ourselves our success is a result of what we do.” - CATHERINE PULSIFER

It can be both empowering and a little uncomfortable to think that we are responsible for our successes – and failures.

DECEMBER 2023 | FIND MANNINGHAM

Being willing to accept the consequences of our actions, choices or behaviours is not always easy.

We’ve all at some time or another played the ‘blame game’. It’s so easy to look outward and blame others for our problems, hardships or the obstacles that are getting in the way of us achieving our goals and dreams. For example, it’s the company’s fault that I keep getting passed over for that promotion, my team at work is holding me back, my partner is not being supportive enough of me.

The reality is there are always external forces at play that impact our lives and focussing on these external forces takes away our personal accountability.

What does it mean to be accountable?

Being personally accountable means taking responsibility for one’s own actions (or in some cases – lack of action!). It’s maintaining an ongoing commitment to yourself and what is important to you.

Here are a few ways you can become more accountable: 1. Remove the roadblocks It all starts with your mindset. Choose to consciously embrace an accountable approach and recognise that you are the architect of your destiny.

That means letting go of the excuses and recognising them for what they are - roadblocks that are holding you back from taking responsibility for your own actions.

2. Set goals It helps to know what you are trying to achieve – whether that be in your career, relationships or personal life. Take the time to set concrete goals, jot them down, and have a plan of how you will achieve them and in what timeframe.

Start by setting yourself smaller goals as they will be easier to achieve in the beginning. Setting goals (even if they are small ones) and achieving them allows you to prove to yourself and others that you can and will hold yourself accountable.

3. Create your own opportunities Accountability empowers you to be in control of your actions in your personal life and career. You can create your own opportunities rather than passively allowing life to happen to you.

Being accountable is about fulfilling your obligations to yourself as well as to others, so when you achieve what you’ve been aiming for, take time to recognise these milestones and celebrate them.

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4. Take responsibility for your decisions Embrace the ‘good, the bad - and the ugly’ and accept the consequences of your actions, choices and behaviours, be they positive or negative.

Revel in the positives, but don’t be afraid to admit and own up to your mistakes.

One of the most powerful ways we learn is through making mistakes and taking responsibility for them. That means acknowledging that there is a problem, identifying your role in it and proposing a solution to minimise or eliminate the chances of it happening again.

5. Learn from your mistakes To reach your potential it’s necessary keep extending what you are capable of and taking risks and that means making mistakes. Don’t beat yourself up but think of what you would have done differently and what you’ve learned from the experience.

6. Ask for help The road to success does not have to be a lonely one. An accountability partner can be someone who shares your goals and supports you to keep your commitments or maintain progress on a desired goal.

Having an accountability partner has been proven to increase your chances of success to an astonishing 95% if you have a specific accountability appointment with a person you’ve committed to.

Erryn Langley 1300 557 144 erryn@findwealth.com.au

www.findwealth.com.au Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/ Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

DECEMBER 2023 | FIND MANNINGHAM

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Elmedia Marketing: Empowering Maroondah

Businesses with Free Facebook MARKETING SUPPORT

DIGITAL MARKETING

By Ethan Strybosch

At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we're thrilled to introduce an exciting opportunity for businesses in Maroondah. We're extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape.

No Strings Attached You might be wondering, "What's the catch?" Well, we're here to tell you there isn't one! Our mission is simple: to empower Maroondah businesses. We're offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook—meaning you only pay for the actual ads themselves.

Why We're Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the everevolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively.

Additionally, we're eager to gather feedback on our services. We invite you to share your experiences and leavea review if you feel it's worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community.

Don't let this golden opportunity slip through your fingers. Seize the chance to boost your business's online visibility andreach a wider audience. We're eager to extend our expertise to help you navigate the world of Facebook advertising.

What's in Store for Your Business

As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Maroondah community.

When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals.

The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend.

Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you're a local business in Maroondah, simply reach out to us to express your interest or ask any questions about the program.

We'll carefully assess your business's unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we're excited to showcase our capabilities.

Join Us in Empowering Maroondah Businesses

Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business's online advertising game. Together, we can build a stronger, more prosperous local business community in Maroondah. Let's make waves in the digital world and support the businesses that make our community great.

Feel free to contact us via email at: info@elmedia.com.au or via our Contact Us page at Elmedia.com.au

Ethan Strybosch Co-Founder

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Is your IT Managed Service Provider properly insured?

GENERAL INSURANCE

By Craig Anderson

For some years now, insurers and their underwriting teams have been providing IT Liability policies for Information Technology contractors and service providers alike. The claims, which have emerged over time, have on occasion, fallen partially or fully outside of the scope of standard IT Policy wordings. This has left the insureds and their clients in a tough spot. If those contractors and service providers had also taken Cyber Insurance, in many cases those losses would have been covered.

We are starting to see announcements like the one below in italics, where there are clearly identifiable exposures that the insurers are identifying, and are working to prevent.

Please note that as of 1 January 2024 for Managed Service Providers, Hosting Risks and Cloud Service Providers, with income over AUD750,000: 1.

2.

Clients must be covered under both an IT liability and Cyber policy (insurers name) product offerings start with premiums at AUD25,000 for IT liability and AUD25,000 for Cyber, subject to appetite

My clients will often tell me that they use external Managed Service Providers and Cloud Hosting, and are always confident that any cyber risks created by the provider are covered on their behalf. The fact is, in many cases there is precious little information in the service contract confirming one way or the other if this cover is in place. As part of your own IT due diligence, you need to confirm if your provider has you properly covered, or if you are on your own if the provider exposes you to a cyber-incident which creates a loss for you or your business.

Don’t assume you’re covered just because you have a contractor.

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). This is not legal advice.

Just about every small business is already at risk of being cyber-attacked, and should consider putting their own policy in place. The “it won’t happen to me” approach has been at the heart of many a small business failure triggered by a cyber-attack leading to data loss and privacy breaches.

Consider how Cyber Insurance could help your business cope with a cyber catastrophe, and contact your broker for further advice.

Craig Anderson

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

www. heightsafetyinsurancebrokers.com.au

GENERAL INSURANCE Small Business Insurance Brokers

0418 300 096 DECEMBER 2023 | FIND MANNINGHAM

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Opportunity: Contributing to super can help reduce your capital gains tax while boosting your retirement savings ACCOUNTANT

By Warren Strybosch

Have you sold an asset this year that created a significant capital gain, such as an investment property or a share portfolio? Are you wanting to increase your chances of a financially comfortable retirement by investing funds in the concessionally taxed super system?

Making a personal contribution to superannuation may not only boost your retirement savings. You could also have the opportunity to claim some or all of your contribution as a tax deduction, allowing you to reduce your taxable income in the year of contribution.

Concessional contributions Concessional contributions (commonly referred to as pre-tax contributions) are typically those contributions made by your employer, such as superannuation guarantee and salary sacrifice contributions and your own personal contributions where a tax deduction is claimed.

By claiming a tax deduction for your super contributions, only 15% tax is payable on the contributions going into the super fund compared to your marginal tax rate of up to 47%. This could mean a tax saving of 32 cents in every dollar contributed.

“15% tax instead of your marginal tax rate of up to 47%” For those on high incomes, where your total income and concessional contributions for the year exceed $250,000, an additional 15% tax may be payable on your tax deductible contributions (known as Division 293 tax). Even if this additional tax applies, 30% tax on contributions is still significantly less than the 47% top marginal tax rate.

Cap on concessional (deductible) contributions There is a limit on the amount of concessional contributions that may be made in a financial year. This limit is currently $27,500 per annum. Plus, new rules came into play from 1 July 2018 where, any unused concessional contribution cap that accrues from 1 July 2018 may be carried forward for a period of up to 5 years.

This measure only applies to those people with a total superannuation balance of less than $500,000.

Case Study Jon is 57 and recently sold an investment property which created a $100,000 capital gain. When added to his employment income, his assessable income for the year is $240,000.

Jon has a total of $400,000 in superannuation, and his concessional contributions since 1 July 2018 are: Year

Concessional Contrubution

Concessional Cap

Unused Cap

2018-19

$15,000

$25,000

$10,000

2019-20

$25,000

$25,000

$0

2020-21

$15,000

$27,500

$12,500

2022-22

$27,500

$27,500

$0

Cap Available

$32,500

Over the past five years, Jon has made concessional contributions each year however, in some years, he didn’t use all of the cap and has $32,500 of unused cap available.

Step 1

Jon makes a $60,000 personal contribution to super from the sale proceeds of his property.

Step 2

As Jon has a concessional cap of $27,500 this year plus $32,500 unused cap from previous years, he can claim all of the $60,000 contribution a tax deduction.

Step 3

That's $60,000 taxed at 15% contribution tax compared to Jon's marginal tax rate of 47% - a tax of $19,200.

Next Step Could you benefit from claiming a tax deduction for a personal contribution to super this year? Talk to your financial adviser to see if this super boosting, tax reducing opportunity is available to you.

Important Information This information is of a general nature only. It does not take into account your particular financial needs, circumstances and objectives. You should obtain professional financial advice if you have not already done so before acting on this information.

You should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product.

Any case studies, graphs or

examples are for illustrative purposes only and are

It’s also important to note that for those aged 67-75 if you wish to claim a tax deduction for your personal contributions, you will need to meet a work test (or work test exemption) in the year of contribution.

based on specific assumptions and calculations.

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

Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.

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Work-Bonus Boost to Encourage Pensioners to go back to Work FINANCIAL PLANNER

By Erryn Langley

Work Bonus The $4,000 one-off boost to pensioner’s work bonus income bank will become a permanent fixture from 1 January 2024.

The Work Bonus is a program in Australia designed to help pensioners, specifically Age Pension recipients, increase their income without affecting their pension payments. The Work Bonus allows pensioners to earn a certain amount of money through employment or self-employment before their pension payments are reduced. The Work Bonus was introduced to encourage older Australians to remain in the workforce or to work part-time without worrying about losing their pension entitlements. Here are some key points about the Work Bonus:

How does this impact the amount you can earn?

1.

Eligibility: The Work Bonus is primarily available to recipients of the Age Pension, which is a means-tested government payment for older Australians. Other pension types, such as the Disability Support Pension or Carer Payment, are not eligible for the Work Bonus.

Additionally, existing and new pensioners will retain the current increased maximum Work Bonus income bank limit of $11,800 rather than $7,800.

Income Threshold: Under the Work Bonus, pensioners can earn up to a certain amount of money before it affects their pension payments. Normally, the income threshold would be $300 per fortnight. This means that pensioners can earn up to $300 in employment income without any impact on their pension. However, with the introduction of the one-off booster payment, the Work Bonus Income bank will increase, and pensioners will be able to earn more each year (more information below).

The employment nil rate period will increase from 6 fortnights to 12 fortnights with eligibility expanding to those entering fulltime employment from 1 July 2024.

2.

3.

4.

5.

6.

Unused Amounts: If pensioners do not use their full Work Bonus amount in one fortnight (up to $300), the unused portion can be accrued and used in subsequent periods.

This can be especially beneficial for those with irregular or seasonal employment.

Impact on Pension Payments: If a pensioner's employment income exceeds the $300 per fortnight threshold, their pension payments are reduced by 50 cents for every dollar earned above this threshold.

Reporting Requirements: Pensioners are required to report their employment income to the Department of Human Services (now known as Services Australia) so that their pension can be correctly calculated.

Eligibility Age: The Work Bonus is available to Age Pension recipients who have reached Age Pension age; currently age 67.

With the current employment shortfall, the Government has announced two measures to encourage those currently receiving income support to return to work or increase their working hours.

The changes, pending the passage of legislation, are as following:

New pension recipients (of Age Pension age) and eligible Veterans will have a starting Work Bonus income bank of $4,000 instead of the current $0. From day one of qualifying for a pension, clients can earn employment income of $4,000 in addition to the $300 per fortnight already available, before this employment income begins to count towards the income test.

Employment nil rate period

A nil payment period starts when you report employment income over a certain amount, and it reduces your income support payment to $0. This includes your partner's employment income. Usually, a nil payment period can be up to 6 fortnights in a row, but this will increase to 12 fortnights, meaning you are less likely to lose your pension payments if you decide to earn a certain income, which results in a nil pension payment, with in a given 12-week period.

During this period, even though the pension or allowance is not payable, the client is considered to be still receiving a benefit for the purposes of qualifying for additional support such as child care subsidy and concession cards.

If the client’s income reduces sufficiently to once again receive a pension or allowance during the employment nil rate period, they will have their benefit reinstated without the need to re-apply.

1300 557 144 | erryn@findwealth.com.au

Erryn Langley

www.findwealth.com.au

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/ Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

DECEMBER 2023 | FIND MANNINGHAM

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Government ASSISTANCE SCHEME TO HELP YOU BUY PROPERTY

MORTGAGE BROKERING

By Reece Droscher

If you are trying to get into the property market, either as a first home buyer or someone who has been in the market previously, there may be some assistance packages available through Federal or State Governments to help you make this happen.

FEDERAL GOVERNMENT SCHEMES There are three different schemes that are administered through the Federal Government via Housing Australia, the department set up to assess the eligibility of applications for these schemes.

Family Home Guarantee Family Home Guarantee is an initiative that aims to support eligible single parents and single legal guardians to purchase a family home. With as little as 2% deposit, eligible single parents and single guardians of at least one dependent will be able to enter, or re-enter, the housing market.

The Government provides a guarantee to the participating lender up to 18% of the property value, allowing the borrower to access up to 98% of the property purchase price without paying mortgage insurance. There are 5,000 places available in the scheme for the 2023/24 financial year.

An eligible single parent or single legal guardian, such as an aunt, uncle or grandparent, can either be buying their first home or be a previous home owner.

There are eligibility restrictions applying to income levels and thresholds on property prices and the types of properties you can buy. To check your eligibility go to: h t t p s : / / w w w. h ou s i n ga u s t ra l i a .gov. au/support-buy-home/family-home guarantee

First Home Guarantee

STATE GOVERNMENT SCHEME

The First Home Guarantee is designed to assist any eligible first home buyer, or someone who has not owned property in Australia for at least ten years, to buy a home with as little as a 5% deposit. You can apply as a single or joint applicant, as long as both applicants meet the eligibility criteria.

Victorian Homebuyer Fund

The Government will guarantee up to 15% of the property value, so the borrowers can access a loan up to 95% of the property value without paying mortgage insurance.

35,000 places in this scheme are available for the 2023/24 financial year.

There are certain eligibility restrictions applied with the maximum income level allowed for single applicants set at $125k per annum, and $200k for couples. There are also price thresholds in place for different locations. To check your eligibility go to: https://www.housingaustralia.gov.au/ support-buy-home/first-home-guarantee Regional First Home Buyer Guarantee The Regional First Home Buyer Guarantee (RFHBG) works in exactly the same way as the First Home Guarantee, however it is set up for those wanting to buy in a regional area. The eligibility criteria is also the same as the First Home Guarantee, however there are different price caps in place for the regional areas. https://www.housingaustralia.gov.au/ support-buy-home/regional-first-homebuyer-guarantee How To Apply Housing Australia has authorised 33 lenders who can participate in submitting applications for the Home Guarantee Schemes.

Applications can only be made with a Participating Lender or their authorised representative (a mortgage broker).

As the application for scheme places is subject to an income test which is assessed by using the applicant’s ATO Notice of Assessment. For applicants in the current financial year 2023/24, the relevant Notice of Assessment will be for the 2022/23 financial year.

You can find the list of participating lenders on the Housing Australia website, however a Mortgage Broker can also assist you with this process.

This scheme is run through the Victorian State Revenue Office and is a shared equity scheme where eligible home buyers, who have managed to save a minimum 5% deposit, receive a contribution of up to 25% of the purchase price from the government in exchange for a proportional interest in the property. Essentially if you enter into this scheme the government retains an ownership share of your property equal to the percentage they contributed when the property was purchased.

For example, if you purchased a property for $600,000 and the Government assistance was equal to 10% of the property price, their contribution to the purchase would be $60,000. If, in say 5 years time, you decided to sell this property, and you sold it for $750,000, the government would receive 10% of the sale price to repay the initial contribution.

So this means that the initial contribution of $60k would cost you $75k to repay.

This scheme is not restricted to first home buyers, so if you have owned property before you can participate, you just can’t have any interest in property at the time of applying. There are also other eligibility criteria that you have to meet, which you can check by going to: https://www.sro.vic.gov.au/homebuyer By participating in this Fund you do not lose eligibility for the First Homeowners Grant, which only applies to new properties.

There are also only four lenders who participate in this scheme and you need to deal directly with the lender.

Unfortunately mortgage brokers are not offered the ability to assist with these types of applications.

At SHL Finance we have helped many clients navigate their way through the process to access places in these schemes.If you think you would be eligible to participate in the Federal Governmemt Home Buyer Schemes, or you’d just like to discuss these options in more detail, we would love the opportunity to help you. Please call Reece on 0478 021 757 to find out how we can help you.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs. reece@shlfinance.com.au www.shlfinance.com.au

DECEMBER 2023 | FIND MANNINGHAM

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Manningham

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Container Deposit Scheme reverse vending machines arrive in Manningham acoustic panels for sound proofing and external lighting for enhancing safety and security.

Reverse vending machines will help make recycling more convenient and accessible said Tim O’Donnell, Visy General Manager Container Deposit Scheme.

Drink cans cent first

bottles, cartons and can be returned for a 10refund at Manningham’s reverse vending machine.

The Container Deposit Scheme (CDS Vic) is designed to increase recycling and reduce litter, while delivering economic benefits to the community.

Manningham Mayor, Councillor Carli Lange, encouraged community members to take advantage of the opportunity to more conveniently recycle their eligible containers. “We all need to work together to take responsibility for how we dispose of waste. Let’s improve our recycling efforts, while supporting a sustainable future and the local economy along the way. Our recycling actions create products for future generations and ongoing sustainability for our community,” Cr Lange said.

Cr Lange was joined by Deputy Mayor Laura Mayne, Director City Services Rachelle Quattrocchi, Visy Co-owner Fiona Geminder, Visy CEO Mark De Wit, Visy Executive General Manager Wayne Russell, Visy General Manager Container Deposit Scheme Tim O’Donnell at thenew reverse vending machine installed at Rieschiecks Reserve this morning.

The reverse vending machines are automated, purpose-built and can capture up to 10,000 eligible containers each day. They can be used from 7.00am to 8.00pm daily and include

“The Manningham community has already embraced CDS Vic in its first few weeks, returning their containers through over-thecounters and depots. Reverse vending machines are another way for sports and community clubs to be rewarded for recycling, as every bit counts when it comes to fundraising efforts.”

The community can choose to receive their refund via an electronic transfer through or community group. the downloadable CDS Vic North app for iOS or Android, a voucher or as a donation to a charity clubs to be rewarded

for recycling, as every bit counts when it comes to fundraising efforts.”

The community can choose to receive their refund via an electronic transfer through the downloadable CDS Vic North app for iOS or Android, a voucher or as a donation to a charity or community group. The community can also return eligible containers to over-the-counter sites across Manningham, for cash refunds. “This initiative rewards recycling and allows used cans, bottles and other eligible containers to be repurposed into new products,” Cr Lange said. “I’m confident that having the reverse vending machines in such convenient locations locally will significantly reduce litter and deliver positive community fundraising and environmental outcomes.”

Locals can now use the Rieschiecks Reserve reverse vending machine installed at Rieschiecks Reserve, 125-149 George Street, Doncaster East with further locations to open locally in coming months.

CDS Vic is part of the Victorian Government’s $515 million investment to transform the state’s waste and recycling sector. The scheme will contribute to Victoria’s target of diverting 80 per cent of all material away from landfill by 2030.

The initiative will support community efforts towards achieving net zero community emissions by 2035 as set out in Council’s Climate Emergency Response Plan.

Find out more about CDS Vic. Find the nearest refund locations in Manningham.

Left to right: Visy Executive General Manager Wayne Russell, Visy General Manager Container Deposit Scheme Tim O’Donnell, Director City Services, Rachelle Quattrocchi, Visy CEO Mark De Wit, Visy Co-owner Fiona Geminder, Manningham Mayor, Councillor Carli Lange, Deputy Mayor Laura Mayne, and Coordinator Waste and Resource Recovery Linda Kenworthy at Rieschiecks Reserve’s Container Deposit Scheme reverse vending machine.

Council News December 2023

DECEMBER 2023 | FIND MANNINGHAM 17

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Between the Details: Video Art from the ACMI Collection Manningham Art Gallery has welcomed its final exhibition of 2023, Between the Details: Video Art from the ACMI Collection.

to celebrate First Nations’ rich cultural heritage and features works by six renowned Australian artists

personal identity and the relationship– or ‘gaps’ – between self and other through speech, movement and dance.

This exhibition celebrates the Australian Centre for the Moving Image’s (ACMI’s) vibrant collecting and commissioning program, showcasing moving image artworks by six Australian artists.

Ngura Pukulpa - Happy Place by Kaylene Whiskey - Yankunytjatjara artist envisions a world where pop culture collides with traditional Anangu culture.

Bayi Gardiya - Singing Desert by Dr Christian Thompson AO - In this 360-degree video experience, Christian invites audiences to walk through the landscape of his childhood where they witness a simple yet profound aesthetic gesture of the artist singing in his traditional Bidjara language, a recognised lost language. (Thursday 1 February to Friday 2 February 2024 at MC Square Community Centre, Doncaster).

Manningham Mayor, Councillor Carli Lange, encouraged locals and visitors to visit the exhibition in celebration of Manningham’s cultural heritage.

“We’ve enjoyed stellar displays from highly coveted artists at the Manningham Art Gallery this year,” Cr Lange said.

“This final exhibition our commitment to as we honour and Manningham’s cultural

embraces the arts, celebrate heritage.

“At Manningham, we understand and value the importance and positive impact the arts can make to our health and overall wellbeing. The arts are a great way to stay connected with your community,” Cr Lange said.

The

prestigious

program

continues.

Analects of Kung Phu: Book 1, The 69 Dialogues between the Lamp and the Shadow by Jason Phu - A guide for surviving contemporary life through the lens of martial arts films.

The Gods of Tiny Things by Deborah Kelly - The kaleidoscopic video unleashes a vivid collage of animated figures and landscapes cut free from the pages of old magazines and encyclopedias to explore the threats of extinction and the climate crisis, the tolls of colonialism, and the global political shift to the right.

The Beehive by Zanny Begg - The Beehive is a non-linear experimental documentary exploring the unsolved murder of Sydney anti-development campaigner Juanita Nielsen.

Gaps by David Rosetzky - Embodies Rosetzky’s ongoing exploration of

The works in this exhibition are commissioned by ACMI, Artbank, Bundanon Trust, Carriageworks, City of Melbourne, Melbourne Art Foundation, Professor Cav. Simon Mordant AO and Catriona Mordant AM, John Allsopp (Web Directions) and assisted by the Australian Government through the Australia Council for the Arts.

Between the Details: Video Art from the ACMI Collection will be on display from Saturday 21 October 2023 to Saturday 4 February 2024 at the Manningham Art Gallery in Doncaster..

DECEMBER 2023 | FIND MANNINGHAM

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Poster making work shop for social causes To find how you can get involved with 16 Days of Activism and join the call to eliminate violence against women and girls, visit Respect Victoria.

Suitable for This workshop is suitable for ages 16 years and up. For participants under 18 years of age, we require parental consent to attend this event. We will reach out to confirm prior to the event.

Workshop cancellation Due to illness, unforeseen circumstances or where a suitable substitute is not available and a workshop has to be cancelled, you will be contacted via email and by SMS 30 minutes prior to the class starting. In these situations, either a class refund will be processed, or the event will be rescheduled.

Parking Parking is available at Manningham Council MC2 building. There are two ways you can access the building – through the Doncaster library entrance on ground level or via the elevators from the MC2 underground car park.

As part of 16 Days of Activism Against Gender-Based Violence, we are are hosting this FREE workshop for you to learn the techniques required to communicate for social causes near and dear to your heart.

Join Nazanin and Attiane from Feminista Melbourne for an amazing poster making workshop.

No minimum skill level is required.

If you can use scissors and glue stick, you can make a collage.

The library entrance may be closed after hours. In which case, please enter via the underground Carpark at MC2 and take elevator to Level 2, exit right, turn left along walkway to the art studios.

Please note: Carpark entry gate automatically closes at 8pm but has a sensor for exiting as you leave at the conclusion of your class.

Learn about Council Subsidies for Solar Savers - In person seminar Solar Savers is a local government initiative helping households and businesses to install quality and affordable rooftop solar and batteries. This initiative is supported by Manningham Council in partnership with Solar Savers.

Council provides subsidies to pensioners for roof top solar and to all residents who install batteries purchased through Solar Savers. This is an opportunity for pensioners to learn how to reduce their energy cost by installing roof top solar.

And for those who want to ensure their power stays on, even during blackouts, energy security for the home is now made more affordable.

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Warrandyte Community Carols

Warrandyte Community Church, in conjunction with the local churches of Warrandyte, presents the Warrandyte Community Carols.

Come and enjoy the festive atmosphere at Stiggants Reserve.

Celebrate Christmas by singing carols, mingling with friends and enjoying the positive ambience.

Local singers and musicians will perform for the wellbeing of local residents.

Bring a picnic or buy food and drinks from the food trucks on site.

Santa will visit with a lolly toss for children, supported by the local CFA.

Kelly Sports school holiday program

Kelly Sports has summer entertainment covered with a jam-packed holiday program filled with sport and recreation activities. From soccer and cricket, to tag games, kids will have a blast staying active and learning new skills.

The Kelly Sports team are supportive and encouraging. Their aim is to help kids get active, develop skills, build confidence and gain a lifelong love for sports and recreation. kids get active, develop skills, build confidence and gain a lifelong love for sports and recreation.

Manningham Council are partnering with Kelly Sports to offer a limited number of low-cost, full and half day places in their holiday program.

Participants can select from a range of activities, times and days. Spaces are limited, so get in quick to avoid disappointment.

Program information • classes are for children aged 4 to 12 years • participants must be Manningham residents to qualify for the subsidised rate

•

only one application submitted per child

can

be

How to apply To secure one of the low-cost places, register your interest now via the online form. Once you have submitted the form, a Council officer will contact you to confirm registration into your nominated Kelly Sports program.

Please note: applications are an expression of interest only and submission does not confirm a place the program.

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www.findmanningham.com.au

SPORTS

“Characters” Photo

by : Ew

an Sim

pson

Dennis Johnson

By Rob “Stormy” Fairweather 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 Dennis Johnson A brief insight into Dennis’s working life, his eventual involvement at Donvale Bowls Club, and the experiences it has provided.

Dennis aged 4 and his family arrived in Australia on the “New Australia, “10 Pound Poms” November 1949.

His father had arrived eight months prior, built a house in Springvale where they lived for 5 years until his parents divorced in 1954.

As a result, he lived with several friends of his father, attending six different schools, finally passing his Leaving Certificate at Heidelberg High School in 1961.

Leaving school he commenced work with a firm of Chartered Accountants in the city, a salary at a 4 Pound per week, continuing his studies part time.

Unfortunately, he preferred having a good time, partying and meeting some lovely ladies instead, hence never finished the course. (“He believed life was so good in the 60’s”).

But things were to quickly change, in 1970 he met (Dennis’s description)

a gorgeous girl named Merilyn, at “Powerhouse” a trendy dance venue, fell in love and married.

They built a house in Greensborough and had two children, in turn presenting them with four delightful grandchildren.

In 1988 his accounting firm transferred him to operate their Mildura branch, unfortunately the company ran into problems necessitating it to close down, Dennis left the profession and returned to Melbourne.

It was here they purchased the goodwill of a sixty-bed aged care business in Croydon, (borrowing money at 16% interest) obviously not for the faint hearted! Having successfully operating the business for four years, they decided time to retire.

Two years passed, Merilyn read an advert for a Manager and Nurse for the Donvale Retiremen Village, their successful applications for the two positions followed. They enjoyed over 9 years living at the village looking after the “oldies” organizing many social activities. (Lots of fun). Leaving in 2006, they caravanned around Australia, eventually settling down in their current home in Templestowe Lower.

During his younger days Dennis played football and cricket (nicknamed Fiery), spending many years as a fast bowler including games in the Northcote 1st eleven when teammate, noted test player Rodney Hogg was injured.

At aged 50 he took on Lawn Bowls, commencing at Lilydale for two years, Box Hill for 12 years and finally Donvale Bowls Club. At Box Hill he won two club single championships, played in Champion of Champions in his first game final suffering a heart attack after delivering the winning bowl.

He has been fortunate enough to represent Donvale as a Lead, alongside Lindsay Ridgwell and Scott Rees in a Group Section Team, a great thrill.

He is currently our 2023 Club Singles Champion, Saturday Pennant Player of the Year season 21/22.He feels very fortunate to have joined Donvale Bowls Club, enjoying the company of so many great people, hoping to continue for many more years.

Many thanks Dennis, your contribution to Donvale both as a player and a person has been invaluable.

www.findmanningham.com.au

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