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 |FEBRUARY 2024
www.findmanningham.com.au
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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• Design Services We can create your ad for you. Prices start at $77 for the very first hour and $22 for each hour thereafter.
NEXT ISSUE Next Issue of the Find Manningham will be published on Friday March 1, 2024. Advertising and Editorial copy closes Tuesday Feruary 20, 2024.
www.findmanningham.com.au
By Mary Barnes
As the sun rises on a new academic year, the hallways echo with the laughter and excitement of school children returning to their second home - the classroom. After a well-deserved break, students are eagerly lacing up their shoes,slinging backpacks over their shoulders, and embarking on a journey of learning, growth, and camaraderie.
FEBRUARY 2024 | FIND MANNINGHAM
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Children going back to school
The anticipation in the air is palpable as parents, teachers, and students alike look forward to the resumption of routine, structure, and the pursuit of knowledge. The classroom, once again, becomes a bustling hub of curiosity, discovery, and friendship. For many children, the return to school represents more than just a continuation of academics. It’s a reunion with friends, a chance to share summer stories, and an opportunity to forge new bonds. The sheer joy of seeing familiar faces and making new friends creates a vibrant and dynamic atmosphere within the school walls. Teachers, the unsung heroes of education, are ready with open arms and lesson plans that will inspire, challenge, and nurture the young minds entrusted to their care. The excitement of imparting knowledge and witnessing the spark of understanding in a student’s eyes is what fuels their passion for teaching. As the first bell rings, signaling the beginning of a new chapter, students settle into their desks, each one a
blank canvas waiting to be filled with knowledge, creativity, and skills. The sound of pencils scratching against paper, the hum of discussions, and the occasional burst of laughter create a harmonious symphony that signifies the return to the rhythm of academic life. The return to school is not just about academics; it’s a holistic experience that includes sports, arts, and extracurricular activities. The playing fields resound with the cheers of sports enthusiasts, while the art rooms come alive with the vibrant colours of creativity. From science labs to music studios, each corner of the school is a canvas for students to explore and express themselves. While the journey ahead may have its challenges, the
resilience and enthusiasm of school children are a testament to their eagerness to learn and grow. The coming months will witness not just academic achievements but also personal milestones, character development, and a sense of belonging that extends beyond the classroom walls. So as we witness the return of school children to their educational haven, let’s celebrate the magic of learning, the joy of friendships,and the boundless possibilities that a new school year brings. May this academic journey be filled with discovery, laughter, and the promise of a brighter future for these eager minds stepping back into the hallowed halls of education.
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 www.centrepointalliance.com.au | Warren Strybosch is Authorised representative (No. 236815) of Alliance Wealth Py Ltd. This information has been provided as a general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriates of the advice. You should obtain and consider the relevant Product Disclosure Statment (PDS) anf seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mention in this communication. Whilst all care has been taken in the preparatin 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 representative accepts responsibility for any loss suffered by any person arising from reliance on this information.
FEBRUARY 2024 | FIND MANNINGHAM
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FIND MANNINGHAM |FEBRUARY 2024
www.findmanningham.com.au
From 1 July 2024 Resident individuals
Stage 3: Tax Cuts and how to affect you - but not what we were promised By Warren Strybosch
Higher income earners have been passed over again and the government is stating that the backflip on the promised tax cuts is not politically motivated. This means that those earning $200,000 or more will receive a $4,529 cut, instead of the legislated $9,075 they were due to receive from 1 July. Only those earning less than $150,000 will benefit from the impending tax cuts as follows: • Reduce the 19% tax rate to 16% (for incomes between $18,200 and $45,000). • Reduce the 32.5% tax rate to 30% (for incomes between $45,000 and the new $135,000 threshold). • Increase the threshold at which the 37% tax rate applies from $120,000 to $135,000. • Increase the threshold at which the 45% tax rate applies from $180,000 to $190,000. Therefore, following these announcements and assuming amending legislation is passed, the Australian resident personal income tax rates from 1 July 2024 will be:
Up to $18,200
Nil
$18,201 to $45,000
16% on part over $18,200
$45,001 to $135,000
$4,288 + 30% on part over $45,000
$135,001 to $190,000
$31,288 + 37% on part over $135,000
$190,001 and over
$51,638 + 45% on part over $190,000
It is good news for those earning less than $45,000 per year, as their rate of tax will fall to 16% compared to the current 19%. The winners are middle income earners. The PM is trying to place a positive spin on it all and argue it is the middleincome earners who are the backbone of the economy and therefore they deserve the biggest tax cuts. "This is a plan for middle Australia that delivers for every Australian taxpayer, right up and down the income ladder,” the PM said. The mantra of years past where Labor was all about supporting the Aussie battler is clearly out the window. It seems Labor is seeking wins with the middle class and more educated Australians. It will be interesting to see how this plays out for Labor when we next go to the ballots and what this will do to current interest rates. A tax cut is likely to increase inflation and could push up interest rates which in turn might negate the benefit of any tax cuts that were created. Time will tell.
www.findmanningham.com.au
GENERAL INSURANCE By Craig Anderson
The following vitally important information for Strata residents, committee members and strata managers involved in properties where EV’s (Electric Vehicles) will be charged and stored, is reproduced verbatim with the permission of CHU, who are a market leading Strata Property Underwriter in Australia. “The move away from petrol power towards electric vehicles (EV) is accelerating in what can only be positive in terms of our communities trying to reduce their carbon footprint and move towards environmentally sustainable living. CHU has put together this fact sheet to best inform strata residents on what key factors need to be considered as the move towards EV charging stations within buildings continues. Existing electrical switchboards/ cabling within buildings • Will the existing switchboard safely accommodate the increased load resulting from EV chargers? • Will consumer mains/submains be able to handle the increased load and current? • Is the main switchboard or other switchboards in good working order? Note that depending on age and condition, switchboards may need to be replaced to AS 614392016 in order to accommodate EV charging stations.+ Installation and maintenance to be done by suitably qualified professionals • You can see from the considerations above, the need to have suitably qualified tradespeople for installation of any EV charging stations is essential. Installation of not only the charging unit but also associated wiring needs to be as per manufacturer’s instructions and in accordance with all relevant building standards is essential. Information sourced from external surveying and risk engineers+ has highlighted some additional considerations, including (but not limited to): •
EV chargers are required to be installed in accordance with Australia Standards (AS 30002018 and Appendix P - Guidance for installation and location of electrical vehicle sockets outlets and charging stations, has been
FEBRUARY 2024 | FIND MANNINGHAM
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ELECTRIC VEHICLES AND CHARGING STATIONS – CONSIDERATIONS FOR BODIES CORPORATE •
•
referenced by some third parties however, please check requirements with a suitably qualified installer). Each EV charger is required to have a Residual Current Circuit Breaker (RCBO) installed (some third parties have referenced an electrical current not exceeding 30mA to ensure personnel protection however, again please check with a suitably qualified installer). Depending upon the supply to an individual strata unit, an EV charger in some instances can consume up to 50% of the available power for that whole apartment, limiting power for other appliances. + The above is not intended to be advice (personal, general, or otherwise) for any third party to rely on, nor can CHU guarantee the accuracy of content. Property owners need to make their own enquiries in terms of compliance, maintenance of EV charging stations with suitably qualified contractors.
Cost and maintenance considerations • Who is responsible for the electrical charges associated with charging vehicles? • Body Corporate should clearly define to lot owners who is responsible for maintaining the charging stations on a periodical basis, with the view to monitoring equipment or cable damage, or any operational faults on the charging station itself Proactive risk management measures • Charging cables and any other associated equipment to be stored appropriately when not in use so as to not present a liability exposure (e.g. trips, slips and falls). • Areas surrounding any EV charging stations to be kept clear of any storage, particularly items of a combustible nature. • Ensure periodical maintenance of charging stations, associated wiring on an ongoing basis. • Ensure appropriate fire protection measures are installed in appropriate areas that can be easily accessed in the event of a fire from an EV charging station. CHU Underwriting Agencies Pty Ltd (ABN
18 001 580 070, AFS Licence No: 243261) acts under a binding authority as agent of the insurer QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFS Licence No: 239545). Any advice on this flyer is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Before making a decision to acquire any product(s) or to continue to hold any product we recommend that you consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement (‘PDS’), Financial Services Guide (‘FSG’), and the Target Market Determination (‘TMD’) which can be viewed on the CHU website or obtained by contacting CHU directly.” For a health check of your Strata 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 FEBRUARY 2024 | FIND MANNINGHAM
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FIND MANNINGHAM |FEBRUARY 2024
www.findmanningham.com.au
ACCOUNTANT By Warren Strybosch
There has been a lot of debate regarding the deductibility of financial planning fees. The main argument being that if the fees were deductible in nature more people could afford to seek financial planning advice. Unfortunately, the ATO, after much consultation, does not look like it will change its stance on the tax deductibility of advice fees paid by individuals who are not carrying on a business. TD 2023/D4 replaces a determination released back in 1995. However, the ATO has not changed it’s view on the tax treatment of financial advice fees in this new draft determination. For example, upfront advice fees to establish and implement a financial plan are still considered ‘of a capital nature’ and are not deductible based on the guidance outlined in the determination. TD 2023/D4 highlights that a deduction is available for advice fees under s 8-1 of the ITAA 97 where the fee directly relates to producing assessable income. Additionally, fees charged by a recognised tax adviser for advice about managing your tax affairs are also deductible (s 25-5).
Financial Planning
Fees – Not deductible A deduction is not available for an advice fee to the extent that: • it is an outgoing of capital or of a capital nature; • it is an outgoing of a private or domestic nature; • it is incurred in gaining or producing a taxpayer’s exempt or nonassessable, non-exempt income, or • a provision of the Act prevents you from deducting it. Where a fee relates to both income producing advice and for other purposes, the deductible amount should be apportioned based on a fair and reasonable basis. The determination provides guidance on the evidence required to support the amount claimed as a deduction (eg. the adviser can provide an itemised invoice via their Fee Disclosure Statement or advice fee consent form).
This draft determination is open for public comment until 2 February before it is finalised however we are not confident that their position will change.
Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au 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 based on specific assumptions and calculations. 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.
The Summer School Holiday Program is here! Dive into a range of fun and free summer activities to keep the kids entertained throughout the holidays.
Find out more
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FEBRUARY 2024 | FIND MANNINGHAM
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Bookkeeping - Back to basics
BOOKKEEPING By Jodie Moore
This month – The General Journal and General Ledger By now you will have set up your chart of accounts and will have transactions happening in your business, whether that be revenue from the sale of products or providing a service, as well as expenses you have incurred. Now you need to be able to record these transactions for use in future financial reports. General Journal The General Journal lists every transaction that goes through your business in chronological order. If you are using accounting software such as Xero, this will mostly be done automatically using your bank feeds. If you are not using software, you will need to use an excel spreadsheet to record these. Your general journal will look a bit different depending on whether you are using the Cash method for accounting or the Accruals method. Cash Method Simply put, the cash method, popular with small businesses, sole traders and businesses just starting out, is when transactions are recorded in the general journal at the time that cash physically changes hands. There will be one entry for each transaction. A bank statement is a good example of a General Journal using the cash method. Accruals Method The Accruals method is when transactions are recorded at the time of the event regardless of whether money has exchanged hands. It uses Double Entry Accounting. Double Entry Accounting recognises that for every Debit Entry, there is a corresponding Credit entry, much like the two sides of a coin. One
is neither good nor bad, they are just names.
every transaction that was assigned to that account in the General Journal.
When you purchase inventory from a supplier, but you pay at a future date for example, the two events you need to record are 1. At the time you receive the goods and 2. When you pay the invoice.
For example, you might have a Telephone Account where every time you pay your telephone bill you will end up with a transaction in the Telephone Account ledger. If you use the Cash Method, then in the description you would just put a description of the transaction ie Paid telephone bill.
1. Receive goods - you will need to enter a Debit entry to show the increase in Inventory and a Credit entry to show an increase in your Accounts Payable (you owe money to the supplier). 2. Pay for goods a month later – Debit the Accounts Payable ledger account to show the money you owe to the supplier is being reduced and Credit the Bank ledger account to show money has come out of your physical bank account. Although Accrual Accounting is a lot more time consuming, it can provide a much clearer picture of how well your company is doing and is usually used by larger businesses. It would be worth speaking to your bookkeeper to work out which method suits your business. Whichever method you decide on, when entering your transactions in your general journal you will use the Account names that you came up with for your Chart of Accounts and then put a small description underneath. This will then make it easier to transfer these transactions to your General Ledger, which is your next step.
If you are using the Accruals method you would put the opposite Account name in the transaction. For our Inventory/ Accounts Payable/Bank example above, this would mean putting Accounts Payable in the description in the Inventory Account and vice-versa when recording receiving the goods, and Bank in the description for the Accounts Payable when recording the payment of the invoice and vice-versa. At any point in time, you will be able to glance at a specific ledger in your General Ledger and understand what transactions were made in a particular period, whether that be a day/week/ month/year etc to result in the current balance. When you are ready to start creating your Financial Reports, you can then transfer the balances of each of the ledgers in your General Ledger over to your Trial Balance. We will cover the Trial Balance in next month’s edition.
General Ledger The General Ledger has a ledger for all the Accounts in your Chart of Accounts. Within each individual ledger, you list FEBRUARY 2024 | FIND MANNINGHAM
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www.findmanningham.com.au
Top 10 Common Concerns of
Breastfeeding Mothers
LACTATION CONSULTANT By Dr. Joanna Strybosch
Breastfeeding can be a rewarding experience for many mothers, but it also comes with its challenges. Here are the top 10 concerns that breastfeeding mothers commonly face. 1. Latch Issues: Ensuring a proper latch is crucial for successful breastfeeding. Some infants may struggle to latch properly, leading to nipple pain and difficulties in feeding. 2. Low Milk Supply: Many mothers worry about having an insufficient milk supply. This concern can stem from various factors, such as inadequate breastfeeding frequency, latch problems, or maternal stress. 3. Breast Pain and Engorgement: Breast engorgement, mastitis, and general breast pain are common concerns for breastfeeding mothers. These issues can be caused by blocked milk ducts, inadequate draining of the breasts, or infection. 4. Nipple Pain and Damage: Nipple soreness and damage can occur, especially in the early stages of breastfeeding. This may result from an
incorrect latch or positioning, and it can be a source of discomfort for mothers. 5. Breastfeeding in Public: Some mothers feel uncomfortable breastfeeding in public due to societal norms, lack of privacy, or concerns about judgment. Finding a comfortable and private space can be a challenge. 6. Balancing Work and Breastfeeding: Returning to work poses challenges for breastfeeding mothers, including concerns about pumping, storing breast milk, and maintaining a breastfeeding routine while meeting work demands. 7. Introducing Solid Foods: Deciding when and how to introduce solid foods to a breastfeeding baby can be a source of confusion for mothers. They may worry about the timing, types of foods, and how it will affect breastfeeding. 8. Sleep Deprivation: Breastfeeding often involves frequent night feedings, leading to sleep deprivation for mothers. Lack of sleep can impact overall well-being and make it challenging to cope with the demands of breastfeeding. 9. Social Support: Lack of support from family, friends, or healthcare professionals can be a significant
concern for breastfeeding mothers. Adequate support is crucial for a mother's confidence and success in breastfeeding. 10. Weaning: When and how to introduce weaning is a concern of many mothers. The decision to stop breastfeeding can be emotional and may involve considerations such as the baby's readiness, the mother's comfort, and the transition to alternative feeding methods. It's important for breastfeeding mothers to seek support, consult healthcare professionals when needed, and address concerns promptly to ensure a positive breastfeeding experience for both mother and baby. Every breastfeeding journey is unique, and mothers should prioritise their wellbeing and the wellbeing of their infants.
www.findmanningham.com.au
FEBRUARY 2024 | FIND MANNINGHAM
PERSONAL
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•Are unable to care for yourself independently, or •Suffer significant and permanent cognitive impairment.
INSURANCE
TPD insurance pays a lump sum which can be used to pay for medical expenses, ongoing care costs and to meet living expenses for you and your family.
FINANCIAL PLANNER
The definition of TPD can vary and may include options for a range of occupations, including homemakers. Options that you can choose from include:
By Erryn Langley
Financial planning is about protecting your wealth as well as building your wealth. It is easy to think that you won’t get sick or hurt and ignore the need to protect the very thing that generates your wealth your own health and your ability to work. But if accident or serious illness does occur the impacts can be devastating. It’s worth remembering that no matter how much expert advice you receive or how well you manage your finances there is always a risk that you could suffer an early death or serious illness or injury. Where that leaves you and your loved ones in the future depends on the wealth protection strategy you have in place. Risks you could face in the future may include: • Emotional, physical or mental trauma • Death or serious illness • Loss of income due to temporary or permanent incapacity • Damage to your house or other personal assets • Theft of, and/or damage to business assets • Public liability and/or professional indemnity risks Your financial plan should include a strategy to minimise risks that could jeopardise both your present and future plans. In simple terms, if you cannot afford to lose something then you should try to protect your exposure. Insurance can provide a cost-effective protection mechanism.
trauma or death. The money received can help with medical bills, loan repayments and living expenses. Many people often underestimate the importance of personal insurance which has led to a problem with underinsurance in Australia. It is important that you consider having enough cover to replace your income and cover expenses so that the personal tragedy does not create financial tragedy. You can apply for insurance to cover you in the event of death, temporary or permanent disability, or trauma (critical illness). Outlined below is a brief outline of types of personal risk insurance. Life Insurance The most common type of cover is life insurance (term life insurance). Life insurance will pay a lump sum to your estate or specific beneficiaries in the event of death or in some cases, on diagnosis of a terminal illness. The advantage of life insurance is peace of mind that your death will minimise any financial hardship for your loved ones. Life insurance can be used to pay off debts, provide an income for dependents, cover funeral expenses and generally assist in maintaining your family’s lifestyle in the event of your death. With this type of cover, your family would not be burdened by debt and may be protected from selling assets to pay debts or cover living expenses. Total and Permanent Disability Insurance
This may take a combination of personal, general and health insurance policies. There are many different aspects to insurance and it is best to tailor a package that suits your needs as well as your budget.
Total and Permanent Disablement (TPD) can prevent you from working and require expensive medical treatment and ongoing care.
How the Strategy Works Personal risk insurance protects your wealth accumulation strategy by providing money if you are no longer able to earn an income due to disability,
TPD insurance aims to provide a lump sum if you suffer an illness or injury and you: •Are permanently unable to work again or
• Any Occupation TPD: The benefit will be paid if you are unlikely to be gainfully employed in any business, profession or occupation for which you are reasonable suited by your education, training or experience. This definition is generally less expensive than an Own Occupation definition but for some people, it may be harder to meet. • Own Occupation TPD: The benefit will be paid if you are unlikely to ever be gainfully employed in your own occupation. Own Occupation TPD provides a generous definition as it is specific to your occupation and is particularly suitable for specialist occupations. The premiums for this type of definition are more expensive than Any Occupation TPD. You should discuss your circumstances with your financial planner. Trauma Insurance A serious illness or injury can prevent you from working for a period of time and may require expensive medical treatment. Trauma insurance (also known as critical illness, crisis or recovery insurance) aims to provide a lump sum upon the diagnosis of a specified illness or injury such as life-threatening cancer, stroke or heart attack. Trauma insurance pays a lump sum that can be used to pay medical expenses and reduce any financial pressure while you focus on recovery. This payment is made regardless of whether you are able to return to work, and is designed to relieve financial pressure at a time when you are under great stress. Child Trauma insurance can be added to your policy to cover a seriously ill or injured child. This provides a lump sum to help you cover medical treatment and eases financial worry for parents who may need to take time off work to provide care. FEBRUARY 2024 | FIND MANNINGHAM
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Income Protection Insurance Income Protection insurance aims to minimise the financial impact of sickness or injury by replacing income lost during a prolonged absence from work. A monthly benefit will assist you to meet living expenses and debt repayments. Income Protection policies will usually pay a benefit up to 75% of your gross income (some policies may pay higher) after a waiting period. Payments continue for a set term or until you return to work, whichever occurs first. Waiting period: This is the time period that you must be off work before an income benefit is payable. Waiting periods range from 14 days to two years. Generally, the longer the waiting period, the lower the cost of the income protection insurance. Benefit period: Starting at the end of the waiting period, the benefit period is the maximum time the benefit is paid. Options range from two years, five years or until a specified age such as age 65. Types of contracts include: Agreed value: The monthly benefit is agreed at the time of application and will not reduce even if your income decreases after your policy commenced. This option provides certainty and peace of mind on how much income you will receive. If details of your income are provided at the time of application the benefit can be guaranteed so that no further financial assessment is required at the time of claim. Agreed value contracts are not available to new policy holders from 31 March 2020, however existing policy holders with an agreed value policy will still be able to increase their benefit amount. Indemnity value: The monthly benefit paid may differ to the monthly benefit insured as it will depend on your earnings at the time of a claim. The monthly benefit received will be based on your gross income at the time of claim up to the monthly benefit insured. Details of proof of income will be required at the time of claim. You can generally claim a tax deduction for the premiums paid on an income protection policy (other that any portion of the premium that is attributable to benefits of a capital nature such as physical injury or critical illness) However, income payments received are considered taxable income. Premiums Premiums for all types of personal insurance will vary with age, gender and smoking status. Occupation and medical history may also affect the cost of premiums.
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Premium options include: Level premiums: The premium rate is fixed when you start the policy and does not change as you get older except in line with CPI indexation. Level premiums are initially higher (than stepped premiums) but will be more stable over time. This can help with affordability and reduce the risk that premiums will become unaffordable as you get older. Stepped premiums: The premium rate increases each year according to you age. Stepped premiums are initially more affordable than level premiums but over time may become more expensive. However, this option can provide you with flexibility as your needs change over time. Your financial adviser can assist in determining which premium option is most appropriate for you. Ownership Life, TPD and income protection policies can be owned personally or through a superannuation fund. Trauma insurance can be owned personally. When held within a superannuation fund, the policy is owned by the trustees of the superannuation fund, for the benefit of the member. When making a choice of how to own the policy you need to consider the advantages and disadvantages of each option. Inside Superannuation
In Personal Name
Advantages • Premiums are paid using contributions into the fund (e.g. employer contributions) or your superannuation savings - this can help to ease a drain on your cash flow. • Tax concession on contributions may reduce the effective cost of the premiums (e.g. salary sacrifices to cover the cost of premiums) • In some funds you may be eligible for automatic acceptance (for some cover) which means you will not have to provide evidence of health or income.
• The claim process are usually tax-free • Claim process will be paid directly to you, your estate or nominated benefeciary as appropriate. This ensures the money is available when you and your family need it • A wider range benefits and features may be availbale • Income protection premiums are generally tax deductable.
Disadvantages • The policies may have less benefits and features than those offered outside superannuation due to legislation restrictions • Tax may be payable on claims proceeds, depending on circumstances and rules at the time.
• Your dispossable income will reduced as you need to pay premiums from your after-tax income • Premiums need to be paid from after-tax money and so may be a higher cost to you than premiums inside superannuation
Taxation How insurance premiums and claim proceeds are taxed will depend on the type of insurance policy and beneficiary, but will also depend on whether you choose to hold the policy inside or outside of superannuation. You should seek specialist taxation advice to check the taxation applicable to your circumstances. Inside Superannuation
In Personal Name
Premiums
• Premiums are deductible to the fund
• Not deductible except for income protection policies.
Claim Proceeds
• Life plicy - the proceeds are taxable unless paid to tax dependents • TPD - if you are under age 60 when you take this money out of superannuation, tax may be payable. • Income protection - the benefits are assessable income to you and are taxed at your marginal tax rate.
• The proceeds from life, TPD or Trauma policy are generally taxfree. However, the benefits from an income protection policy are assessable income and taxed at your marginal tax rate.
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Application and Underwriting When applying for insurance you will need to complete an application form providing both personal and medical information so that the underwriter can assess the application. Some applicants may also need to undergo a medical examination and/or blood tests or a report may be requested from their usual doctor to determine whether to accept or decline the cover. Depending on your circumstances and health you may be asked to pay an additional premium, known as a loading, if you have an unfavourable medical history or display higher risk factors for developing chronic illness such as being overweight or high blood pressure. In some cases, the life insurance company may apply an exclusion to your policy. For example, a decision may be made to not cover your for high risk activities and sports or a pre-existing injury/illness.
This means that if an event occurs that is excluded, the benefit under the policy will not be paid. Many policies are guaranteed renewable. This means that as long as you pay the premium you will continue to receive cover regardless of any changes in your circumstances or health. If you do not pay your premiums, your insurance will lapse. Some life companies may provide a short window of opportunity to pay your overdue premiums to maintain the cover if you have missed the due date. If your policy lapses and your health or circumstances have changed it may impact on your ability to get the same cover at the same premium. It is important to understand the benefits included in your policy, and optional extras. Benefits included are at no extra cost however optional extras may
work has never been harder, or more necessary. Here’s how to do it
While the show explores the pitfalls of such a split in consciousness, there’s no denying it’s a tantalising prospect to be able to “flick the off switch” and forget about work whenever you’re not actually supposed to be working. This is known as “psychological detachment”. People who can do it are happier and healthier, and experience less fatigue. But many of us struggle to detach and disconnect mentally from work, particularly when our jobs are demanding and stressful. It may not be enough simply to be physically away from work, particularly in an era when so many of us work from home. We also have to stop thinking about work when we’re not there – whether it’s fretting over your to-do list
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.
• exercise • spending time with family and friends • leisure pursuits.
Switching off from
In the hit dystopian TV series Severance, employees at biotech corporation Lumon Industries find it easy to separate work and home life. A computer chip is inserted in their brains to act as a “mindwipe”. They leave all thoughts of home behind while at work, and completely forget about their work when at home.
increase your premium. Your financial adviser can discuss the features of the recommended policy with you.
while out at dinner, thinking about your unanswered emails while you’re at your daughter’s soccer game, or lying in bed pondering what you’ll say at tomorrow’s board meeting. The art of detachment Your choice of activity outside work can be crucial to this process of psychological detachment. To learn more about what strategies are most effective, my research surveyed nurses who were working shifts in hospital emergency departments in 2020, a highly stressful work environment. My colleagues and I collected data from 166 nurses, using a survey called the Recovery Experience Questionnaire. This included collecting information about the underlying psychological experiences associated with home-time activities, such as feeling relaxed while reading a book or going for a walk. Importantly, our survey results also showed nurses who were better able to forget about work had less fatigue and better physical and mental health. Our results identified three key strategies that helped our survey participants to reduce fatigue and mentally recover from work:
The physical benefits of exercise are well known. But exercising – whether it’s doing yoga, going for a run or playing netball – also brings mental benefits by encouraging you to focus deeply on what you’re doing rather than dwelling on outside thoughts. Friendship and social connection are also good for our wellbeing. Research suggests people who have plenty of friends and confidants are less likely to die from chronic disease. And one study found people who undertake a difficult task with the help of a friend have fewer abrupt changes in heart rate than those who tackle the task alone. Deliberately making time to spend with family, friends or pets can help us forget about work at home, and to centre our attention instead on what is important to us besides work. Many of the nurses in our study reduced the effects of fatigue during home time by pursuing hobbies and interests such as sewing or gardening. But you shouldn’t worry too much about what specific activity you pursue – the main thing is to pick something you find pleasurable and engaging, and which fits comfortably around your existing commitments.
By Jane Gifkins Researcher, Centre for Work, Organisation and Wellbeing, Griffith University
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Beat the
Sugar
Cravings NATUROPATH By Kathryn Messenger
Maybe it’s too many parties over Christmas and New Year, or maybe you’ve been struggling with this for a while. One thing for sure is that sugar is addictive, and it can be really hard to say no. Sugar addiction Have you ever noticed the difference between your cravings for sugar compared to naturally sweet products? The sugar craving seems to be unsatiable, whilst with honey or dried fruit, you get to a point where you just don’t enjoy it anymore and so you stop eating it. This is because sugar has been stripped of the vitamins and minerals found in natural sugar cane which means you not only miss out on those nutrients, but you also miss out on the natural mechanism that helps you to say “no”. The empty carbohydrate Carbohydrates are a great form of energy and particularly important for children as they grow, or for those that are active. But not all carbohydrates are equal. Fruit and vegetables also contain high amounts of energy, but have the added benefits of vitamins, minerals, and fibre. Since unused carbohydrates are stored as body fat, there is little to gain by using sugar as an energy source, and there are so many other negative effects of sugar on your health. Is your gut bacteria working against you? Along with fruit and vegetables, wholegrains and legumes are also energy sources that contain minerals and fibre. These foods give both the energy you need to function as well as the added benefits of these nutrients. What’s interesting is that the fibre here acts as a fuel for the beneficial bacteria in your gut, keeping you healthy; but the harmful bacteria actually feeds on sugar and works to increase your sugar cravings.
Going cold turkey What’s interesting is that once you cut out sugar from your diet, it’s no longer appealing. Your taste buds get used to enjoying naturally sweet foods and sugar just doesn’t taste nice anymore. But getting to that point is where the difficulty lies. If you decide to go ‘cold turkey’, you will likely have around 3 days where your cravings ramp up and your self-control is genuinely tested. If you prefer to take your time and slowly reduce your sugar intake, it will be an easier ride, but it will take longer. Neither way is right or wrong, choose what will work best for you. Extra support If you find the temptations all too hard and need some extra support, I have
recently put together a list of 15 Ways to Beat Sugar Cravings, and you can download it on my website.
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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RETIREMENT &
AGED CARE
FEBRUARY 2024
How much do I need
in retirement for 2024 and beyond?
RETIREMENT By Warren Strybosch
One of the most important steps in planning to save for your retirement is working out how much you will need to spend each year to live a comfortable lifestyle. However, for most people, they find it difficult to work out what amount they need to save in order to have enough for their future goals and daily living expenses. At Find Retirement, we help clients answer this crucial question before they retire. Not only do we help them work out if they have enough money to retire on, but we also show them if they can afford all their future goals e.g., overseas holiday or purchase of new caravan, and help them understand what impact this will have in the long term – clients want to know that they are not going to run out of money.
Couple
Single
$690,000
$595,000
(Source: https://www.superannuation.asn.au/)
A comfortable retirement lifestyle enables an older, healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of such things as: household goods, private health insurance, a reasonable car, good clothes, a range of electronic equipment, and domestic and occasionally international holiday travel.
Whilst it is important to seek advice to get the modelling done so you can understand, in detail, what your situation will look like, the Association of Superannuation Funds of Australia (ASFA), produce data, which is updated each quarter, to help pre-retirees understand how much they might need before they retire and what their likely budget might be if they wish to live a comfortable or modest retirement. However, this is only a guide or a reference point to help you get started thinking about your own situation. Again, it is important to seek advice to make sure you understand your own situation, which is always different to someone else’s retirement needs. For those who are about to retire and have reached the age of 67, it is estimated you will need about $595,000 as single person and $690,000 if you are a couple.
(Source: https://www.superannuation.asn.au/) FEBRUARY 2024 | FIND MANNINGHAM
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New giant basket, spinner and rope circuit for Victoria Street Playground
Local families are in for a treat with Manningham Council set to improve one of the community’s most wellloved playgrounds at Ruffey Lake Park. The Victoria Street Playground will be closed for construction between midMarch and mid-2024 and when it reopens, families will discover an improved and expanded adventure playground. Manningham Mayor, Councillor Carli Lange, said Council was planning a reopening event to celebrate the upgrade. “I know you will all be as excited as I am to get down to the opening of the new and improved Victoria Street Playground. “A day out here is going to be fun for everyone with a giant basket swing, a new lookout tower and slide, new rope balance circuit, all-abilities spinner and expanded sand and water play area. “We’re also installing additional seats and plants to complement the works and ensure Victoria Street Playground
at Ruffey Lake continues to be a destination playspace for families and children of all ages,” Cr Lange said. While the Victoria Street playground is closed for construction, nearby toilets, picnic shelters and the flying fox will remain open. Nearby playgrounds within Ruffey Lake Park will alsoremain open -The Boulevard Play space, the Church Road North play space. For older kids looking for a challenge, there is the Ninja Warrior Course at the northern end of The Boulevarde off King Street. If you are looking for alternative playgrounds with similar facilities to Victoria Street Playground, you can visit Wombat Bend and wongium wilam or discover the many other beautiful parks within Manningham. Each tree in the playground was carefully reviewed by a team of independent Arborists. Regrettably, one of the yellow gums has significantly deteriorated and could in the future pose a risk of falling branches. The tree will be removed and
replaced with additional trees, in and around the playground. The playground construction works will generally occur between 7.00am and 5.00pm on weekdays. At times, traffic or pedestrians may be redirected to allow access to the construction site. Any detours will be clearly communicated and sign posted. “Victoria Street playground is such a great place to get together with family and friends. It’s a place that provides lots of happy memories and experiences,” Cr Lange said. “I look forward to an improved playground and seeing the many smiles on the children’s faces as they explore the awesome towers and slides, discover the new sand play water features and try out the exciting range of swing options.” Want to know more? Visit: https://yoursay. manningham.vic.gov.au/victoria-streetplayspace Manningham.vic.gov.au or call Manningham Council on 9840 9333.
Council News FEBRUARY 2024
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Award-winning sports journalist Caroline Wilson headlines Manningham Council’s International Women’s Day Breakfast
Award-winning sports journalist and former chief football writer of The Age, Caroline Wilson will headline Manningham Council’s 2024 International Women’s Day (IWD) breakfast session on Thursday 7 March 2024. IWD is a global celebration of women’s achievements and raises awareness for gender equality and empowerment in the workplace, marketplace and community. Women’s economic empowerment is central to a gender equal world, and this year’s theme Count Her In will ‘examine the pathways to greater economic inclusion for women and girls everywhere’ – UN Women Australia. “We’re lucky to have someone with Caroline’s breadth of experience and knowledge coming along to share her stories”, said Manningham Mayor Councillor Carli Lange. “I’m fascinated by the many remarkable things she has achieved, especially as a woman in such a male dominated field. I look forward to hearing about the changes she must have seen during her expansive career. “We also have Shane Dunne, the Chief Executive Officer of Aligned Leisure and the General Manager of Aligned Leisure and Education at Richmond
Football Club. Shane has over 20 years of experience in successfully heading. “We also have Shane Dunne, the Chief Executive Officer of Aligned Leisure and the General Manager of Aligned Leisure and Education at Richmond Football Club. Shane has over 20 years of experience in successfully heading up diverse groups and is a strong advocate for women in leadership.
Count Her In - International Women’s Day Breakfast, Thursday 7 March, 7.30am to 9.30am at the Manningham Function Centre, 699 Doncaster Road, Doncaster. $20 per person. Group booking discounts apply. For more information visit manningham. vic.gov.au/iwd.
“The third panel member is Courtney Jones, a player for the AFL Richmond Tigers. Courtney will discuss the challenges she has faced and how she has overcome obstacles in the sporting industry. Local businesses, community groups and residents are encouraged to come along to this special event, network with like-minded people and hear from the panel. “I hope men and women from all over Manningham can join us and be part of this day. We all play a part in ensuring women and girls have equal opportunities to build their capabilities and strengthen their capacity to learn, earn and lead. “You don’t have to be a woman to support women and become an ally.”
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Manningham Council’s Community Grant Program open
Manningham Council’s Community Grant Program is now open for local not-for-profit organisations or community groups to apply. The annual grant program supports local groups and not-for-profit organisations offering grants between $3,001 and $20,000 across three funding streams: Community Development, Arts, and Festival and Events. Manningham Mayor, Cr Carli Lange strongly encourages community groups and not-for-profit organisations to get involved this year. “We’ve seen some excellent community outcomes from the grant program, and I hope to see more groups and organisations participating in 2024. These grants strengthen our community and bring us together by furthering opportunities to connect.” Cr Lange said. Grants can be used to improve or expand existing programs, or launch new initiatives.
Former grant recipient and President of the Doncaster Junior Football Club, Corey Bakes said the community grant program allowed their club to run a‘Footy for Fun’ multicultural inclusion program for children from diverse backgrounds. “With the help of a community grant, we were able to reach over 70 children from over 30 different countries.” Mr Bakes said. The Community Grant Program is aligned with Council’s Health and Wellbeing Strategy to build a healthy, safe, resilient, connected and inclusive community. The three funding streams are designed to support Manningham’s diverse community, bring people together and strengthen relationships. “Grants also create opportunities for our community to take part in arts, culture, festivals and events. They attract visitors, and support for our local business, benefiting our community as a whole”. Cr Lange said.
Additionally, Council offer Small Grants of up to $3,000 for community strengthening and up to $1,500 for equipment purchases, with applications open all year and assessed quarterly. Related events 1. Grant information session Tuesday 6 February 2024 | 10.00 to 11.00am |Manningham Function Centre, Doncaster. 2. Grant information session Monday 19 February 2024 | 6.00 to 7.00pm | Online. 3. Grant writing workshop – fully booked. Prospective applicants can subscribe to thegrants mailing list or contact the Grants team to receive the workshop recording.Available from Tuesday 13 February 2024. Bookings for the above sessions are essential to participate. Grant applications close at 5pm on Tuesday 12 March 2024.For further information, including grant guidelines and how to apply visit, manningham.vic.gov. au/community-grant-program or call the Grants team on 9840 9333.
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Childhood
Cheeks, Grown-Up
Madness Nani Puspasari is a Chinese-Indonesian visual artist based in Naarm (Melbourne). Her latest exhibition Childhood Cheeks, Grown-Up Madness is an emotive exploration that beckons viewers into the subtle interplay between innocence and experience. The canvas unfolds as a vibrant narrative, with expressive paint strokes sharing tales
of enthusiasm and introspection, while whimsical clay forms add a tangible layer to the storytelling. This artistic journey transcends mere observation, offering a profound reflection on the paradoxical nature of the path to adulthood. The installation stands as an emotional proof to the delightful chaos inherent in the shift from carefree childhood to the
intricate realities of grown-up life. It urges individuals to embrace the enduring beauty found in the inherent madness of growth and self-discovery, even within the complexities of life, creating a space for a heartfelt exploration of the multifaceted layers of personal evolution. Image courtesy of the Artist
Electrify Everything - Installing solar power and batteries - webinar
Find out how solar power and solar batteries will improve your home, save you money and generate a clean future for the environment. This webinar will include how solar power and battery systems work, buying good quality solar and battery products,
quoting installation and rebates and much more.
benefits of installing solar power and solar batteries at your home.
Our presenter, Ian Moxon, is a seasoned sustainability consultant with over 15 years of experience in this field. He’ll share his extensive knowledge and valuable industry insights into the
This event is part of our Inspired Living Series. This series showcases an exciting range of fun and sustainable activities and events for all ages, supporting sustainability at home, in the community and at work.
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Have a Budget idea? Pitch it to Council!
Manningham Council is offering community members the exciting opportunity to pitch their Budget ideas to Councillors. Manningham Mayor, Councillor Carli Lange, said the new stage of consultation was inspired by an unprecedented response to Council’s initial Budget survey which was open over summer. “It was fantastic to hear from more than 650 community members about how they would like the Council Budget spent across the next financial year,” Cr Lange said. The results are in, with locals reporting the following top six priorities for Council spending (in order): 1. 2. 3.
Sport (courts, ovals, fields and pavilions) Parks, reserves and other open spaces Roads and traffic and parking management
1. 2. 3.
Maintenance and cleaning of public spaces Footpaths, cycling and pedestrian infrastructure Recycling and waste management
“We’re really keen to hear more about why you’re so passionate about these topics and your ideas for projects and services you would like to see delivered, in these areas, now and in the future. “If you would like to pitch,please complete an expression of interest form on our Your Say Manningham website before Monday 4 March,” Cr Lange added. Shortlisted in-person submitters will have three minutes each to present to Councillors at a meeting at the Manningham Function Centre on the evening of Monday 18 March. Council will shortlist a maximum of six pitches from each of the six priority areas above to be presented and are looking for:
• • • •
A range of ideas on diverse topics Pitches from individuals and organisations deas from across Manningham suburbs Ideas which will benefit our community
“Applications are also open for our Community Grants Program so it may be worth considering whether your community group’s project is more suitable for funding through a community development, arts or festivals and events grant,” Cr Lange said. The final 2024-25 Budget and 10 Year Financial Plan will be considered for endorsement by Council at its meeting on Tuesday 25 June 2024. To express your interest in pitching or to learn more, visit: y o u r s a y. m a n n i n g h a m .v i c . gov.a u / b u d ge t - 2 0 2 4 - 2 5
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Photo by : Ewan Simpson
“Characters” Richard Davis
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 Richard Davis. A brief insight into Richard’s working life, his eventual involvement at Donvale Bowls Club, and the experiences it has provided. Richard was born in 1946 in Coburg, attending the Coburg Primary and High Schools. He went on to Melbourne University and graduated with a BA and became a secondary teacher. In those days a huge shortage of teachers existed, the government provided Secondary Studentships which paid their fees and a living allowance, without that he couldn’t have attended university. The agreement meant you would teach in any school in Victoria for three years. His first assignment, Wodonga Tech. In 1975 he met Margaret, she was teaching at Lalor Primary, they married in 1969. Next school was Preston East Tech which had the reputation of being the roughest school in Melbourne, despite its negative reputation,
it was well run, serving the community well. From there he taught at Coburg Tech for 2 years, Doncaster High for 4 years, and Hadfield High for 3 years. He also attended Richmond Secondary and Doncaster Secondary (for a second time) spending 11 years at each of those schools. After VCE was introduced in 1987, he began marking VCE examination papers which he continued to do for the next 25 years, in addition tutoring students outside school hours for many years. Richard loved sport and was always involved in coaching. Coached athletic teams at most of the schools at which he taught, distance and cross-country running being his forte. For three years he was Assistant Manager and then Manager of the Victorian Secondary Schools Athletics team, competing against other states. In 1993 he transferred to Doncaster and was asked to be swimming coach; he was bemused because he had no background other than the swimming feats of his children who attended the school. It continued, lasting the next 7 years. In his own personal sporting life, he
played football, athletics, became a runner, a goal umpire in the Diamond Valley Football League where he umpired with Ray Halliday on occasions. Unfortunately, at 25 years of age due to a back injury he needed to retire, but not before playing in a premiership team with Kiewa- Sandy Creek in the Tallangatta Football League. The club hadn’t won a premiership for 27 years, have since won 13 flags. He retired from teaching in 2004, joined the U3a run by Barry and Julie Wilkins deciding to try a new sport, lawn bowls, in the class were Rob & Cheryl McAnally, Bob Grosvenor and Colin Davis. He asked Barry where he should play, Greythorn or Templestowe, both clubs nearest to him. His response “No way you’re playing at Donvale. 17 years later I’m still here, Margaret joining a year later, playing in two Metropolitan Finals. Richard loves the club, it’s friendly and inclusive nature, strong administration, and the wide network of friends they have made, he’s looking forward to many more enjoyable years at Donvale…. Well done, Richard, a life well lived! FEBRUARY 2024 | FIND MANNINGHAM
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