Find Manningham July 2022 Edition

anningham The

JULY 2022

WHAT’S INSIDE: 04

LOCAL STORIES

06

COLUMNIST ARTICLES

14

TAX UPDATES

16

REAL ESTATE - RENTAL LISTINGS

18

MANNINGHAM COUNCIL NEWS

41

BIRTH, DEATHS & MARRIAGES

58

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

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

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Accounting Services

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Counselor/ Psychotherapist

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Painter

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Acupuncture

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Dentist

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PERSONAL TRAINER

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Architect

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ELECTRICAL OPERATIONS

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Photographer

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Architectural Interior Design

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Electrician

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Pilates

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Attorney- Family

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FINANCE BROOKER

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Plasterer

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Auctions- Real Estate

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FINANCIAL PLANNER

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Plumber

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Bookkeeper

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Fitness Trainer

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Podiatrist

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Bowen Therapy

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Flooring

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Printer

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Builder- Commercial

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Florist

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Project Management

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Business Coach

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Garage Doors

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Psychologist

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Business Equipment Financing

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Health & Wellness Coach

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Real Estate Rentals

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Business Insurance

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Homeopathy

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Real Estate Sales

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Cabinets

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Lawn Care

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Reiki

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Caterer

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LAWYER

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Residential Cleaning

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Graphic Designer

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Life Coach

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Residential Mortgage

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Chinese Medicine

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Loans

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Security

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Chiropractor

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MARKETING

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Signs

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Commercial Mortgage

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Massage Therapist

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Solar

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Computer Repair

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Meditation/Yoga

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SOLICITOR

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Computer Web Design

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Naturopathic Medicine

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Travel Agent

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Concrete

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Nutrition

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WEBSITE DEVELOPER

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Copywriting/Copy Editing

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Osteopathy

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Wedding Planner

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JULY 2022 | FIND MANNINGHAM

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About the Find Manningham

By Warren Strybosch

The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free.

We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.

We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.

To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists.

Without their support, we would not be able to provide this community paper to you.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years.

Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating.

Our fundraising initiatives will never simply ask for money from you.

We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised.

Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing.

We value your support, The Find Manningham Team.

anningham The

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

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

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

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

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

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

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

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NEXT ISSUE Next Issue of the Find Manningham will be published on Thursday July 8, 2022. Advertising and Editorial copy closes Friday July 3, 2022.

JUNE 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | JULY 2022

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Oh, the pain of interest rate rises

By Warren Strybosch

I don’t know about you, but we are feeling the pain of all these interest rate rises, and I am not sure anyone, except the RBA, knows when they are going to stop.

We were supposed to have had our renovations finished last year but it got pushed out to June and even now we continue to incur delays. This delay has resulted in us missing locking in our interest rate on the new home mortgage (currently the construction loan). We were supposed to have locked the rate in back in January for four years. So, not only has the renovations cost us more due to building supply constraints due to COVID, but we are now going to have to pay higher mortgage repayments over the next four years because of the unforeseen delays – we have missed the ‘fixed-rate’ boat.

Yes, I can hear the “pffts”, and “put your adult pants on” from all those who had mortgages throughout the 1980’s. With the 30-year fixed mortgage rate reaching a pinnacle of 18.4 percent in October 1981 and seesawing down to the 9 percent range by 1986 and closing the decade at 9.78 percent, you might have reason to think we still have it relatively easy.

But as my own children remind me when I start telling my war stories, ‘about when I was young’, that my life is not their life and that I need to have some consideration as to what they might be going through right now rather than being dismissive about it. So, hopefully all of you Baby Boomers, who have already paid off your mortgages, might be able to emphasize with those of us who still have one.

What is happening with interest rates?

On the 5th of July the Reserve Bank of Australia (RBA) announced at its monetary policy meeting an increase in the cash rate by 50 bps.

It marked the second 50-bp hike in a row and followed the 25-bp hike in May, taking the official cash rate to 1.35 per cent, up from 0.85 per cent.

The RBA board’s decision comes as inflation is expected to hit 7 per cent at a time when unemployment rates are low, household budgets are under pressure and global uncertainty remains.

In 1984...

In 2022...

•

The average home cost was $64,039.

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The average home costs $920,100.

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The average annual income was $19,188.

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The average annual income is $90,896.

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The average mortgage was $42,277.

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The average mortgage is $618,722.

Deposits then and now 1984

2022

• If the average home cost $64,039...

• If the average home cost $920,100...

• A 20% deposit equals $121,807.

• A 20% deposit equals $184,020.

Governor Philip Lowe anticipates that Australia’s inflation will peak this year before declining back down towards 2-3 per cent, driven by an increasing interest rate environment.

Let's take a trip back to the housing market of 1984 to see just how different buying a house was in the 80s versus today.

Higher interest rates will also help establish a more sustainable balance between the demand for and the supply of goods and services,” he said.

Australian home buyers today must save bigger deposits, borrow much more and face much larger repayments. This means more of their weekly income goes into housing costs today than in 1984.

Ironically, we are experiencing the same run-away inflation that occurred in the 1980’s due to high government spending, increased property prices and people still spending their money. As a result of increased inflation, interest rates continue to rise, and there is going to be a world of pain felt by a lot more people now compared to the pain that was felt in the 1980’s.

Australians now are experiencing it harder The truth is that the average Australian is now purchasing homes that are worth way more than what they were worth in the 1980’s. In fact, the average Australian now is spending on average 10 times their annual earnings on their first home compared to the Boomers who paid 3.3 of their average annual earnings.

The average Australia in 1984 could buy a home that cost 3.3 times their annual income. In 2022, it's 10 times what the average person earns in a year.

Australian buyers in 2022 now have to save much bigger deposits.

Saving a deposit is one of the big challenges for home buyers in 2022. As prices have risen so much, the amount you have to save for a 20% deposit just keeps jumping up.

This is a stark contrast. In 1984, a 20% deposit was 66% of a year's income.

Today, it's 202%.

It would take you just over 2 whole years' of income to save the same deposit.

(Source: finder.com.au) Further hikes anticipated Further rate hikes are anticipated, and it is likely we will see rates increase by at least another 50-bp before the end of the calendar year. Even Brokers are expecting more rates rises to come.

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With a greater amount of uncertainty for mortgagees, and the likelihood of further rate rises, it is important to review your budget and consider what changes have to be made to get through the next few years.

Strategies to consider One way to potential save on costs is to review all your general and personal insurances. Speak to someone at Find

JULY 2022 | FIND MANNINGHAM

Insurance (www.findinsurance.com.au) and see whether there is an opportunity to save on premiums.

Also, make sure you have a good mortgage broker to talk to. They may be able to help you find a better rate rather and pay less mortgage repayments each month. Do you have ‘toys’ you can sell? You might want to consider selling some ‘toys’ now before everyone

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starts doing it. This might be a quick way to reduce some of your debt.

Start growing your own vegies. Yep, it takes time but rather than watching more TV, get outside and grow some of your own food. With food prices increasing, you might be able to grow vegies and swap your surplus with others in your local neighbourhood.

Export restrictions push up food prices Dominic Giannini (Australian Associated Press)

Export restrictions in about 24 countries globally are pushing up prices and increasing food insecurity, according to the Australian Bureau of Agricultural and Resource Economics and Sciences.

“Export restrictions reduce the supply of food in world markets and increase prices, creating greater incentives for other countries to restrict exports,” ABARES said.

The latest ABARES Insights report showed food prices have increased 65 per cent in the past two years, and reached their highest level since October 2012.

“For this reason, widespread export restrictions have a negative impact on global food security and hurt the poorest people who are already struggling to put food on the table.”

Executive director of ABARES Dr Jared Greenville said there were lessons to be learnt from the 2007-08 food crisis.

“Often when there is an increase in world food prices, governments respond by placing export restrictions on their own commodities,” Dr Greenville said.

“The aim is to moderate domestic prices and ease the burden on their own populations, which is understandable in the circumstances.” But the report said the 2007-08 global food crisis showed export restrictions are detrimental to global food security, and provide “questionable benefits” to the domestic market.

The report found several factors are contributing to higher global food grain prices, including the Russian invasion of Ukraine, poor growing conditions in major exporter countries, and the impacts of COVID-19.

Tim Harcourt, chief economist at the University of Technology, Sydney, said experts have been warning export restrictions would push prices up and help with increasing domestic food security.

“It’s what a few of us were predicting a few months ago, that we’re going to have a global food crisis,” Professor Harcourt told AAP.

He said the export restrictions have seen price increases to wheat, palm oil, maize and barley. “They (export restrictions) are going to hurt the poorest people who need the food, not just at home but abroad,” he said.

The report concluded there had been an increase in the number of countries introducing export restrictions which could cause world prices to spiral higher.

The Food and Agriculture Organization of the United Nations estimates between 720 to 811 million people faced hunger in 2020, with high food prices making conditions even more challenging.

Governments across Asia, Africa and the Middle East have introduced export restrictions in response to rising grain prices, in an attempt to ease their domestic food prices. “Removing export restrictions, or agreements to avoid implementing them in the first place, can help to ensure food is more available globally and increase the stability of food supplies,” Dr Greenville said.

JUNE 2022 | FIND MANNINGHAM

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ATO: Common myths about work expense deductions ACCOUNTANT

By Warren Strybosch

The ATO is trying to make it easier for those preparing their own tax returns to understand some of the common mistakes that are made when claiming deductions in their returns. The ATO has listed some common myths about deductions which may lead you to make an incorrect claim. Here are some of the most common ones: Clothing and Laundry Expenses Myth: Everyone can automatically claim $150 for clothing and laundry expenses , 5000 km under the cents per kilometre method for car expenses, or $300 for work-related expenses, even if they didn't spend the money.

Fact: There is no such thing as an 'automatic' or 'standard deduction'.

Substantiation exceptions provide relief from the need to keep receipts in certain circumstances. While you don't need receipts for claims under $300 for work-related expenses, $150 for laundry expenses ( note: this is for laundry expenses only and doesn't include clothing expenses) or if you are claiming 5,000 km or less for car expenses under the cents per kilometre method: • • •

• • • •

you must have spent the money it must be related to earning your income, and you must be able to explain how you calculated your claim.

See more: Laundry expenses Car expenses Substantiation requirements Exceptions and relief substantiation requirements

supplier was and when you paid. Bank or credit card statements alone don't have this information. The only time you don't need these details is if substantiation exceptions apply.

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Sun Protection and/or makeup Myth: I can claim makeup that contains sunscreen if I work outside.

Fact: Cosmetics are usually a private expense and the addition of sun protection doesn't make it deductible.

However, it may be deductible if the primary purpose of the product is sunscreen (that is, it has a high SPF rating), the cosmetic component is incidental, and you need to work outdoors in the sun.

See more: • Sunscreen Gym Membership Myth: I can claim my gym membership because I need to be fit for work.

Fact: Very few people can claim gym membership fees. To be eligible, your job would have to depend on you maintaining a very high level of fitness, for which you are regularly tested, for example special operations personnel in the Australian Defence Force.

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See more: Gym fees expenses

and

fitness-related

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See more: Clothing expenses

Streaming Subscriptions Myth: I can claim my pay television subscription because I need to keep up to date for work.

Fact: A subscription to pay television is not ordinarily deductible. Keeping up to date on news, current affairs and other general matters usually won't have a sufficiently close connection with your employment activities to provide a basis for deducting these subscriptions. They are essentially private expenses.

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See more: Pay television and streaming services

Travelling to work Myth: I can claim home to work travel because I need to get to work to earn my income.

Fact: For most of us, home to work travel is a private expense.

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See more: Transport expenses

Phone and Internet Usage Myth: I've got a capped phone and internet plan, so I can claim both business and private phone calls and internet usage.

Travel Expenses: a holiday before or after a conference Myth: I can claim all my travel expenses if I add a conference or a few days' work to my holiday.

Fact: Unless you only use your phone and internet for work, you have to apportion the cost between work-related and private usage and only claim the workrelated portion of your expenses.

Fact: If you decide to add a conference or some work to your holiday, or a holiday to your work trip, you must apportion the travel expenses between the private and work-related components and only claim the work-related component.

See more: • Phones and other telecommunication devices • Internet expenses

• from

See more: Substantiation requirements

clothing you are required to wear to earn your income, you won't be able to claim it. Plain clothes, like black pants, aren't deductible even if your employer told you to wear them.

•

See more: Conferences, seminars and training courses Overnight travel expenses

Proof of payment Myth: I don't need a receipt; I can just use my bank or credit card statement.

Clothing Expenses Myth: I can claim my work clothes because my boss told me to wear a certain colour.

Fact: To claim a tax deduction, you need to be able to show that you spent the money, what you spent it on, who the

Fact: Unless your clothing is a uniform that is unique and distinct to your employer, or protective or occupation-specific

(Source: ato.gov.au)

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

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JULY 2022 | FIND MANNINGHAM

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By Jodie Moore

There has been much debate in the news in recent months regarding transgender athletes competing in sports alongside people they most closely associate with.

On one side, you have arguments for them being included. If they associate as a female and have transitioned to being a female, then they should be treated as female and compete against other females. On the other hand, you could argue that although they associate as a female and are having hormone replacement therapy to become ‘more female’ they are still built like a man with a man’s strength and size. I think we can all agree that the top female swimmer in the world still can’t compete against the top male in the world and expect to win.

So how do we resolve this?

In a world first, Fina, the swimming’s world governing body has voted against allowing transgender athletes to participate in elite women’s swimming events. Of the 152 Fina members who voted, 71% decided that transgender athletes should not be allowed to compete in these events if they have started puberty as a male. This essentially means they would have had to start the process to change their gender before they turn 12, a controversial topic on its own.

transgender in sports Almost immediately after this decision

by Fina, the International Rugby League announced a ban on female transgender (male to female) players from participating in international rugby league events until they can undergo further research.

The British Triathlon Federation has also made changes to their policy towards transgender athletes. Any transgender athlete older than 12 years of age will not be able to compete against femaleborn athletes. Instead they have created an open category for male transgender, female transgender and non-binary (but male sex at birth). This decision was made after 80% of 3000 members of the British Triathlon Federation surveyed supported the change.

The UCI, the World governing body for Cycling has updated their policy requiring a rider who is transitioning from male to female to double the time required with lower testosterone before they can compete from 12 months to 24 months. They have also lowered the allowable plasma testosterone level from 5 nmol/L to 2.5 nmol/L. It appears there is a huge movement going through the sporting community at the moment. What are your thoughts on this subject? Is this fair? Is it on par with the movement of women into traditionally men’s sports such as football? Email us at editor@findmaroondah.com.au and share your views. We will publish some of the responses next month.

Pilots pressured to fly while tired: union

By Liv Casben (Australian Associated Press)

“The (survey) results show workers continue to bear the brunt of aviation’s peaks and troughs while profit-fanatic executives draw bonuses and exorbitant salaries.

Australian pilots are being pressured to fly while tired and work around “unstable” rosters, according to a union survey.

“We need a commission to rebalance aviation, support good jobs, and ensure Australians can always rely on safe and secure skies.”

The survey by the newly-merged Transport Workers Union and Virgin Independent Pilots’ Association has highlighted concerns about job security after thousands of aviation workers were stood down earlier in the COVID-19 pandemic.

Of the 150 respondents from multiple companies, more than half said roster uncertainty was pressuring pilots to work while tired or unfit to fly. The vast majority expressed concerns about fatigue management and believed there was a growing trend towards insecure work.

Workers will meet in Perth on Tuesday for the official launch of the TWU’s pilots division after the merger was recently approved by the Fair Work Commission.

Rex pilots, represented by the Australian Federation of Air Pilots, last month voted to take protected industrial action after years-long wage negotiations stalled.

One respondent to the TWU survey said industry morale was at an “all-time low”, with the pandemic used as an excuse to erode wages and conditions.

“Bringing pilots into the TWU means all aviation workers benefit from the might of collectivism, from the ground and baggage room right through to the flight deck,” TWU national secretary Michael Kaine said.

“Very few pilots would view this as a sustainable career in the long term anymore,” another respondent said. “We have no job security, are asked to work more for less and have no control of our lives due to rostering practices.”

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FIND MANNINGHAM | JULY 2022

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Personal Insurance – How much cover should I have?

FINANCIAL PLANNING

Income Protection Required Insurable Income

By Warren Strybosch

Last month I shared with you two stories about people who had personal insurance. The first person had it, cancelled it, and then was diagnosed with terminal cancer. The second person, had it, wanted to cancel it but thankfully spoke to me before they cancelled it and we managed to get the client over $400,000 in claim payments. The need for personal insurance is a real one.

This month, I want to provide a guide as to how much personal insurance you should consider taking out. This is only a guide, and you should seek professional advice from a licensed financial planner before making any decisions regarding personal insurances. We suggest you book in a time with an advisor like myself (https://calendly.com/findgroup/15minute-phone-conversation) to discuss your insurance needs.

We will help you work out what you need and provide you with a Free Insurance Report containing quotes for your consideration.

$0

70%

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to future education costs, you estimate how much you are spending each year on kids’ education and multiply that by the number of years left before each child finishes high school. For instance, if your education costs are $12,000 per year, you have three children and the total number of years left for all three children is 8 years, then multiply $12,000 x $8,000 = $96,000. This figure would go also under Life, TPD and Trauma.

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

When working out how much cover you will need you have to take into account the following: debt, future education costs, medical costs, modification costs, tax, and other costs, that might have a bearing on our future financial situation, should we suffer an illness or injury (refer Table 1: Working out Cover you need (Basic)).

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Table 1: Working out Cover you need (Basic)

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$0

$0

$0

Future Education Costs

$0

$0

$0

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Capital Requirements

Client Capital Requirements

Income Protection Required Insurable Income

$0

$0

$0

Client

Total Insurance Required

$0

$0

$0

Capital Requirements

Required Insurable Income

$0

70%

70%

Medical costs vary between advisors. Given it is hard to predict what the out-of-pocket medical costs will be if you suffer an injury or illness, advisors tend to pick an arbitrary figure. For myself, I have done some research in out-of-pocket medical costs, and I found that leukemia was one of the costliest illnesses a family would have to deal with. It is estimate that the out-of-pocket costs for leukemia is about $150,000. As such, I use $150,000 in my calculations.

Other Provisions

Income Protection

$0

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

$150,000

$150,000

$150,000

Waiting Period

30 days | 90 days | 180 days

Medical Costs

Benefit Period

2 years | 5 years | up to Age 65

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Let’s start by considering your debt. Assuming you had a mortgage of $500,000 and other debts totalling $35,000 e.g., credit card or car loan, you would then place the total amount of debt in the Liabilities row under Life, TPD and Trauma.

Client

Life

TPD

Trauma

$535,000

$535,000

$535,000

Waiting Period

30 days | 90 days | 180 days

Future Education Costs

$0

$0

$0

Benefit Period

2 years | 5 years | up to Age 65

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Capital Requirements Liabilities to Clear (Mortgage)

Income Protection Required Insurable Income

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

$0

70%

When it comes to modifications to home or car, this is where I do use an arbitrary figure of $100,000. If someone suffers a major Total and Permanent Disability (TPD) and needs wheelchair access, the cost could easily be $100,000 to upgrade the car and modify access to the home, bathroom, toilet, etc.

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JULY 2022 | FIND MANNINGHAM

I am going to jump to Income Protection Cover as this will have a bearing on Other Provisions and Provisions for Tax. Laws have changed and most insurers will now only allow you to cover 70% of your earnings. So, if you are earning wages of $120,000 per tax, they will only allow you to insure yourself for $84,000 ($120,000 x 70%) or $7,000 per month.

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

Capital Requirements

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Income Protection Required Insurable Income

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

For Other Provisions, we include Funeral costs of $25,000 under Life. Under TPD, assuming you are getting Income Protection Cover, we calculate how much income you would not have received from income protection e.g., 30%, and multiply that by the number of years left until you are able to apply for the age pension at age 67. If your wages were $120,000, then 30% would be $36,000. If your age was 52, you would have 15 years until you were able to apply for the age pension.

Therefore, we multiply 15 x $36,000 = $540,000. For Trauma, we ask the question as to whether you need any additional funds before your Income Protection starts to be paid. Given most people are on a 90 day wait then they may need 3 months’ worth of wages (assuming no savings) = 3 x $10,000 = $30,000.

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

Capital Requirements

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$0

$0

Other Provisions

$25,000

$540,000

$30,000

$0

$0

$0

Total Insurance Required

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$355,250

$0

Other Provisions

$25,000

$540,000

$30,000

$806,000

$1,776,250

$811,000

Capital Requirements

Total Insurance Required

Income Protection Required Insurable Income

$120,000

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to provision for tax, many clients are unaware that if you suffer a TPD event and the TPD is held in super, you will have to pay about $25% in tax on the amount you have insured. For instance, if you have $100,000 of TPD cover in super and are entitled to be paid out, you are likely to lose $25,000 in tax and only be paid around $75,000. So, it is important to consider the tax side of things when it comes to TPD. With our example, assuming the total amount of TPD is to be held in Super then the taxable amount would be around $355,250 in tax.

70% = $7,00 per month

We now have a rough idea as to how much cover we should have in place for Life ($806,000), TPD ($1,1776,250), Trauma ($811,000) and Income Protection ($7,000 per month).

Life, TPD and Trauma are lump sum payments. This means that if you have an illness or injury and meet the insurers definition for a payout, then you or your loved ones will receive these amounts as a lump sum.

Income protection is not a lump sum payment but a regular monthly payment to replace lost income from injury or illness.

After the waiting period has passed, you will start to receive payments until you return to work or for the length of your benefit period, whichever occurs first.

Needless-to-say, those of you who have a mortgage or debt, the amount of insurance you should hold will be higher than those without debt. Once you have an idea as to how much cover you need, the next step is to work out how much cover you can afford. I call this the difference between what is ‘ideal’ (what the advisor works out) to what is ‘real’ based on your cash flow and affordability. I jokingly state that the two shall never meet because it is not often that clients are able to afford the ‘ideal’ e.g., all the cove, that has been calculated.

Once you decide on how much cover you require, then you need to request quotes to determine if the amount you requested is in fact affordable. You need to be aware, when requesting quotes of the following: a. b.

Income Protection Required Insurable Income

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c.

d.

e.

Level vs Stepped – if you are young, you should consider Level premiums.

First year premium compared to cumulative premiums – it is now law to be told what your cumulative premiums will cost under Stepped and Level cover and not just told the first years Stepped premiums.

Industry default cover vs Retail cover – it is often cheaper to obtain Life and TPD via a retail insurer than via your industry fund. These days you can have industry fund super but hold your insurance in super somewhere else.

You don’t have to have your insurance with your super fund anymore.

TPD ‘Any’ vs TPD ‘Own’ definitions – super funds do not offer TPD ‘Own’ cover. You should consider having TPD ‘Own’ definition, especially if you are a professional or work in an office type roll. Everyone should try and obtain TPD ‘Own’ if they can.

IP and TPD in super or Super-linked – if you have a mortgage you might like to consider taking out Superlinked IP or TPD.

JUNE 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | JULY 2022

www.findmanningham.com.au

We will discuss in further details the above, but it is worth noting that personal insurance is not just about the amount of cover you should get. There are a lot of other factors to consider. Therefore, it is important to speak to a qualified financial advisor about your personal insurance needs and not to simply read a book that tells you to take out cover with industry fund. Industry fund cover is ‘good’, but it is not ‘better’ or ‘best’ practice. That type of simply advice might have applied 10 years ago but it does not apply now. If you simply take out cover with an industry fund you are likely to pay more in cover and be provided with sub-standard terms.

insurances sorted out once and for all. Rather than putting it off, spend 30 mins having a conversation to work out what you need, and finally put this to bed knowing you and your family will have the right amount of protection in place for your current needs.

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

Just to re-iterate, the above figures are a quick way to work out the amount of cover you might need to consider having but we strongly recommend you seek advice from a professional licenced financial advisor and do this process correctly and get appropriate quotes once you know how much cover you wish to have in place.

Book a time with myself (https://calendly.com/findgroup/15minute-phone-conversation) and get your personal

responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

Strong outlook for Australian agriculture Mr Smith said beef, sheep meat, wool and dairy production were all forecast to deliver strong results in the second half of 2022.

He told AAP that while global trade conditions have been challenging for some exporters, Australia has also been able to diversify the number of countries it sells to over the past year.

By Liv Casben (Australian Associated Press)

Wet conditions across parts of the country haven’t dampened Australia’s agricultural outlook according to the latest report from Rural Bank.

strong production across most agricultural sectors. The report doesn’t account for this week’s wet weather across NSW.

Australian farmers continue to cash in on high commodity prices and strong production despite a volatile global environment, according to the bank’s half yearly outlook report.

Wet conditions are forecast to continue through to September across much of the country with the chance of a third La Nina weather event over the summer.

Southern parts of Western Australia and Tasmania will likely see average rainfall.

Rural bank’s Andrew Smith says strong seasonal conditions for most of the country has seen strong results for farmers with forecasts that will continue.

“It’s a good outlook and quite positive, and it’s great to see this three years in a row for our producers … where we’ve had good conditions across both the seasons and commodity prices,” Mr Smith told AAP. While heavy rainfall and flooding has provided a challenge for producers in Queensland and NSW, seasonal

The forecast is for above average Australian winter crop production for a third season in a row thanks to favourable weather conditions in most parts. Horticulture is also expected to see a return to strong production, after flooding in Queensland recently impacted supply.It’s expected the wet conditions will provide a boost to the nation’s cattle herd and sheep flock which are continuing to rebuild after the drought.

“For example lamb, we’ve been growing pretty strongly our lamb exports into the US for the last couple of years, but this last 12 months we’ve seen markets like the UAE, South Korea, Malaysia, Saudia Arabia increasing as well.”

Australian sheep meat, almond, wool, lentil, and wine producers are expected to see big benefits from improved access to the Indian market with the recently signed interim Australia-India economic cooperation and trade agreement.

The report concluded the relationship with Australia’s largest trading partner China has shown no tangible signs of improvement with a range of tariffs in place on Australian barley, wine, lobster and beef.

It says little to no supply of grain available from Ukraine has driven strong demand for Australian grain, particular throughout Asia. Mr Smith said seasonal conditions, trade conditions and supply chain disruptions would all continue to impact output in the second half of 2022.

www.findmanningham.com.au

JULY 2022 | FIND MANNINGHAM

Risk Management - From the Underwriters’ Perspective

the company’s reputation, liquidity, and overall financial muscle in catastrophic events. This is essential in assessing the reliability and adequacy of catastrophic risk reinsurance and retrocession to reduce the impact of conceivable company’s disasters thus ensuring the survival of the enterprises.

GENERAL INSURANCE

By Craig Anderson

Have you ever wondered what an insurer looks for when assessing the suitability of a potential new insured? The following article is penned by a highly experienced and respected underwriter by the name of Jeremy O’Connor, who describes succinctly what underwriters want and why they want it.

“Risk management in insurance is the practice of identifying potential risks in advance, analysing these risks and taking precautions to mitigate the chances of potential claims. This usually involves the planning and implementation of procedures and processes that will reduce the likelihood of future claims.

Risk management procedures help businesses insureds to identify potential risks in the day to day running of their businesses and provide an action plan to prevent future claims. The below provides a guideline for what insurers look for when assessing the suitability of potential insurance risk in terms of risk management.

2.

3.

4.

5.

What is the main purpose of risk management?

Risk Analysis – The identification of the effects of risks registered.

Risk Evaluation – Identifies and determines the risk magnitude, likelihood and consequences that risk may bring about in the day today business activities. This also helps businesses decide which risks warrant serious consideration or treatment.

Risk Treatment – Developing a risk response plan. At this stage, businesses can assess the highest risks and develop a risk response plan. This includes the creation of risk mitigation strategies, prevention plans and contingency planning.

Monitoring and Review – Using a risk register will help businesses monitor, track and review risks. Putting a framework around these risks will help de-risk any potential claims or incidents from occurring.

The main purpose of risk management is to identify potential risks before they occur in order to plan risk handling activities in advance which in turn mitigate adverse impact to achieving project objectives.

Insureds must consider various risk factors in the project life cycle. Having risk management procedures and processes in place helps prevent potential financial, personal injury and environmental losses from occurring. Effective risk management procedures provide a plan for smooth workflow thus maximizing on productivity and revenue generation.

What are the 5 key areas that insurers look for when evaluating a business’s risk management procedures and suitability for insurance?

What are risk management processes and procedures?

2.

Risk Control – The evaluation of the entity’s quality risk management, risk monitoring standards and limits for retained risks.

3.

Extreme Event Management – process of envisioning the impact of likely disasters through scenario analysis and stress testing. This helps in identifying the potential impact to

1.

Risk Identification – Process of uncovering, recognising and describing risk factors that may potentially lead to claims. Various techniques, such as toolbox meetings and SWMS, are employed to help identify potential risks.

1.

Risk Management Culture – The degree to which risk and risk management are important considerations in decision making. It also helps in evaluating a business’s philosophy in regards to risk and risk appetite, governance and organizational structure of its risk management procedures.

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4.

Risk & Capital Models – To monitor, control, and manage risk exposures, indicative, predictive, and sensitivity risk measures. Indicative measures are available in accounting, administrative or underwriting systems. Some examples include life insurance sum insured, probable maximum loss, premiums earned, asset values, staff turnover rates and auditing. Predictive measures can be estimated using complicated and simulation models that take into account the expected shortfall and value at risk.

5.

Strategic Risk Management – The risk involved due to the changing technological processes.

It is therefore important for an organization to develop an action plan that will look into risk that will potentially disrupt the operations of the company due to technological shifts

It is important that businesses develop and create risk management plans and procedures to help reduce the likelihood of future claims or incidents from occurring. Having a simple and effective risk management plan helps businesses create credibility in their respective marketplace which hence attracts a higher sophisticated customer base leading to greater profitability.”

Many thanks to Jeremy O’Connor for granting permission for me to reproduce this article.

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

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096 JUNE 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | JULY 2022

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

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

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

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

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

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NATUROPATH

By Kathryn Messenger

Homeopathy is based on the principle that your body has an innate ability to heal, something that drives the body to repair and restore, known as vitality. You only need to study the process of wound healing to understand that the body’s has amazing repair process. Just like using a dressing on a wound provides an environment that allows the body to heal, likewise, homeopathy stimulates the body’s own healing process. This is different to a nutritional product which provides the nutrients that the body uses in the healing process. For this reason, homeopathy can be used to treat most health issues, in most people. It is gentle enough to be used on children and they usually respond well, as their body will heal more efficiently due to increased vitality.

Homeopathy is a gentle, yet powerful system of natural medicines based on the principle of ‘like cures like’. Substances that can cause ailments, can be used to treat that same ailment when diluted.

For example, if you are stung by a bee, homeopathic Apis mellifica (bee venom) will relieve the bite. Whilst this may seem counter-intuitive, conventional medicine treats anaphylactic bee allergy with diluted bee venom injections. The homeopathic medicine does not need to be the same as the original substance, just ‘like’ it. Apis will help other bites that are painful, sensitive, and stinging.

“The difference between a medicine and poison is the dose” - Paracelsus 1538 Whilst it might be hard to wrap your head around, we do know that excess of any one thing is not good for us, regardless of how good it might be, and that even paracetamol is fatal in high doses. Homeopathy uses highly diluted substances, some of which are toxic (such as bee venom), but due to the dilution process, they become safe and effective in treating disease.

Homeopathic philosophy recognises that people are different, and just like some people spend a week in bed with a cold whilst others might just have a sore throat for a day, there are nuances to our individual healing process. It takes into account things that make the ailment feel better or worse, for example, do you feel better with ice on your injury, better with gentle movement, better if left alone, or better with rest. It is holistic, and a practitioner will look to find a remedy

JULY 2022 | FIND MANNINGHAM

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What is homeopathy?

Whole Naturopathy has a large range of homeopathy is stock and can choose the best remedy for your unique signs and symptoms. that fits more than one body system. A remedy is easily confirmed as a good fit for the patient if it fits more than one symptom, such as perhaps a digestive issue, with something unrelated such as something in the eyes, or the emotions.

Homeopathy began in the 1700’s by a German Doctor Samuel Hahnemann, and as this was a time before pathology testing and our modern understanding of disease, choosing the right remedy is based on signs and symptoms. Together with his medical students, Hahnemann set out to prove that the remedies work by testing them on multiple people, which was not commonly done in medicine at that time.

Worldwide homeopathy is used by around 500 million people. In Europe it is prescribed by many doctors, but it is India where it is most commonly used, where homeopathic hospitals and homeopathic doctors form a large part of their medical system.

Often to understand homeopathy, you need to try it yourself. A great place to

start is with Arnica montana (Arnica), the remedy for bruising.

The mechanism by which homeopathy works is still not fully understood, although advances are being made in the areas of quantum physics and chemistry. For more details on this and for homeopathic research articles, go to www.hri-research. org/

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.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au JUNE 2022 | FIND MANNINGHAM

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2022 TA Queensland COVID-19 business grants and assistance Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year.

This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023.

Announced: 22-Mar-2020

This measure is intended to support retirees in managing the impact of the: •

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

Updated: 12-Apr-2022

Apprentice wage subsidy programs All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice.

This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn.

These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets.

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

Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected economic downturn due to COVID-19.

The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%.

The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for

Royal Assent(31-Mar-2022)

businesses who claim fuel tax credits.

Date of effect(30-Mar-2022)

50% minimum pension drawdowns extended for another 12 months Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year.

This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023.

This measure is intended to support retirees in managing the impact of the: •

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

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

AX UPDATES Non-commercial losses and the Commissioner’s safe harbour Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income.

The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

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

The business will be required to show necessary evidence to support using the safe harbour.

Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

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

On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted

Announcement(23-Feb-2022)

from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include

Consultation period(29-Apr-2022)

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

Released

These dealings are excluded from the anti-avoidance provisions. Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing. Trustees need to make sure that their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

Queensland land tax to include interstate landholdings Queensland has become the first jurisdiction in Australia to change land tax rules relating to taxable landholdings.

Under the proposed changes, a landholder will have their land tax calculated based on their total

Announcement(21-Jun-2022) Consultation

Australian landholdings. The calculation will then be pro-rated to reflect a taxpayer’s Queensland-only

Introduced(21-Jun-2022)

taxable landholdings.

Passed(24-Jun-2022) Royal Assent

Once passed, the new legislation will commence from 1 January 2023, meaning that the first calculation

Date of effect

under the new rules will take place on 30 June 2023.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%.

Announcement(29-Mar-2022)

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

Consultation

ending at 11:59pm on 28 September 2022.

Introduced(30-Mar-2022)

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

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

JULY 2022 | FIND MANNINGHAM

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JULY 2022 REALESTATE

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Manningham

Serving Country in Manningham

Last night Manningham Council endorsed the Health and Wellbeing Action Plan 2021-2023.

The 27 actions will help ensure a healthier Manningham for our vibrant community. The seven priority areas align to our Health and Wellbeing Strategy 2021-2025.

“We have worked together with the community through the Manningham Disability, and Healthy City, Advisory Committees,” said Mayor Councillor Michelle Kleinert.

“Having our community collaborate to set these actions was a high priority. We really value the input and insight they have provided.”

Delivered over the next two years, the Action Plan will include initiatives that will carry forward in the 2023-2025 Action Plan.

Actions include: • Deliver initiatives to encourage positive youth mental health

• • • • • •

Leverage existing sport and recreation assets to increase participation Deliver and advocate for improved amenity along key pedestrian routes Support responsible management of alcohol in the municipality In partnership advocate, facilitate and enable actions which will prevent violence Align Council functions to better support inclusion and reconciliation Facilitate and provide initiatives that encourage community participation in local cultural or art activities

Several priority groups were identified during the development of the Strategy. These groups of people are at greater risk of experiencing poorer health and wellbeing outcomes across each of the areas. These groups of people are targeted by the actions and noted in the Action Plan.

“The Action Plan is designed to make meaningful impact on the health and wellbeing of our residents,” said Cr Kleinert. “We will work with partner organisations to deliver the actions.”

We will track the Action Plan every six months and report annually both to the Council and the Health and Wellbeing Advisory Committee.

For more information on the Strategy see manningham.vic. gov.au/about-council/strategies-plans-and-policies/healthand-wellbeing-strategy

Planning for the future of our Assets Last night Manningham Council adopted the Asset Plan 2022 and Asset Management Policy 2022.

The Asset Plan will help us manage our assets for the next 10 years and beyond. The Plan will help to inform investment decisions for maintenance, renewal, acquisition, expansion, upgrade, disposal and decommissioning for each class of infrastructure asset under our control.

The Plan aligns to the requirements of the Local Government Act 2020 and the “Asset Plan Guidance” document released in February 2022.

“The Asset Plan is part of our planning for the future,” said Mayor Cr Michelle Kleinert.

“We have taken feedback provided by the community reference panel to better understand current and future needs for our infrastructure assets. This Plan is about getting the basics right and ensuring we deliver quality community infrastructure into the future.”

The Plan is focused on building a better Manningham through initiatives such as:

• • • • •

$44 million boost to community infrastructure spending $108.3 million for buildings $1.5 million a year on building maintenance $40.3 million in expenditure for footpaths and cycleways $600,000 for expansion as part of our commitment to getting the basics right

For more information on the Asset Plan please see yoursay. manningham.vic.gov.au/asset-plan

Council News JULY 2022

Jumping Creek Road Upgrade

We’re Delivering Manningham Council is on track to build a better future with the adoption of the 2022/23 Budget and the 10-year Financial Plan at the June Council meeting.

We’re delivering for our community with an operating budget of $138 million to deliver a large range of valuable services.

We are aware of the cost-of-living pressures on our community and are keeping average rate movements below inflation and in line with the State Government’s rate cap of 1.75%.

“Our budget is financially responsible while we deliver the services, programs, activities and infrastructure our community has asked for,” said Mayor Cr Michelle Kleinert.

“We are building a better Manningham by taking action on issues important to our community and planning for the future.”

Extensive community engagement informed the development of both the Budget and 10 Year Financial Plan. This included a Public Submissions hearing on 14 June where members of the public were invited to present to Councillors on their submission.

We listened to our community and made changes to the final 2022/23 Budget and 10-year Financial Plan including: • • •

$25,000 allocated for cricket nets at Colman Park, South Warrandyte $300,000 brought forward to 2023/24 for sports field lighting at Ted Ajani An ongoing operational budget allocation of $154,000 per annum for increased library operating hours at Doncaster library and Sunday opening at The Pines library

We are building a better Manningham with a $65.2 million capital works program to maintain and enhance Council’s $2 billion of community assets.

We are taking action with a number of new key operating initiatives in priority areas such as delivering on our Climate Emergency Action Plan, implementing waste management initiatives, supporting community-led initiatives through our extensive community grants program, supporting local business and employment opportunities including business hubs and co-working spaces, improving transport, and advocacy for youth mental health services.

We are planning for our future by allocating $50 million over the next 10 years for major community facilities, better understanding the increasing flood and stormwater risks, and delivering our Liveable City Strategy.

Here’s some of the works this budget will deliver:

We have allocated $1.8 million towards our continued work to upgrade Jumping Creek Road.

We completed the first section of the upgrade in 2020 and now have detailed designs for the final stage.

This work is part of our commitment to build a better Manningham and will improve the safe connection between Warrandyte, Wonga Park and surrounding areas.

Macedon Square Upgrade We have allocated $1.2 million as part of a $3.5m upgrade Macedon Square in Templestowe Lower as part of our commitment to build a better Manningham.

While consultation on the final design continues with the community, the upgrade will deliver safety improvements and maintain the look and feel of the shopping precinct.

The upgrade will support our thriving local economy and improve the liveability of Manningham’s places and spaces.

Flood and Stormwater Management We have allocated $270,000 towards our Flood and Stormwater Management planning.

This work is part of our commitment to plan for the future and will help us better understand the increasing flooding and stormwater management challenges related to climate change, development pressure and population growth.

We are establishing a Community Reference Panel to help us deliver expert advice and consultation on the impact of flood and stormwater management to contribute to the long-term sustainability, resilience and liveability of Manningham.

Climate Emergency Action Plan We have allocated $1.5 million towards delivering actions in our Climate Emergency Action Plan as part of our commitment to address the growing risks and impacts of climate change on our community.

The funding will go towards: • • • • •

rooftop solar installations at seven Council buildings flood mapping a review of areas of biological significance development of a public electric vehicle charging trial an expanded residential solar program.

Food Organics Garden Organics (FOGO) We have allocated $2.5 million towards our aggregated waste initiatives including Food Organics Garden Organics (FOGO) as part of our commitment to take action on climate change and achieve our climate targets.

FOGO will mean changes to household waste collection services starting in July 2023, when green lid garden bins will be collected weekly and include both food waste and garden waste. Red lid garbage bins will be collected fortnightly.

Learn more about the major initiatives that we will be investing in for the coming year and read the full 2022/23 Budget: manningham.vic.gov.au/budget JULY 2022 | FIND MANNINGHAM

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Manningham

Taking action towards a healthier Manningham Last night Manningham Council endorsed the Health and Wellbeing Action Plan 2021-2023.

The 27 actions will help ensure a healthier Manningham for our vibrant community. The seven priority areas align to our Health and Wellbeing Strategy 2021-2025.

“We have worked together with the community through the Manningham Disability, and Healthy City, Advisory Committees,” said Mayor Councillor Michelle Kleinert.

“Having our community collaborate to set these actions was a high priority. We really value the input and insight they have provided.”

Delivered over the next two years, the Action Plan will include initiatives that will carry forward in the 2023-2025 Action Plan.

Actions include: • • • • • • •

Deliver initiatives to encourage positive youth mental health Leverage existing sport and recreation assets to increase participation Deliver and advocate for improved amenity along key pedestrian routes Support responsible management of alcohol in the municipality In partnership advocate, facilitate and enable actions which will prevent violence Align Council functions to better support inclusion and reconciliation Facilitate and provide initiatives that encourage community participation in local cultural or art activities

Several priority groups were identified during the development of the Strategy. These groups of people are at greater risk of experiencing poorer health and wellbeing outcomes across each of the areas. These groups of people are targeted by the actions and noted in the Action Plan.

“The Action Plan is designed to make meaningful impact on the health and wellbeing of our residents,” said Cr Kleinert. “We will work with partner organisations to deliver the actions.”

We will track the Action Plan every six months and report annually both to the Council and the Health and Wellbeing Advisory Committee.

For more information on the Strategy see manningham.vic. gov.au/about-council/strategies-plans-and-policies/healthand-wellbeing-strategy

Make a difference at Ruffey Lake Park this National Tree Day Manningham Council invites everyone back to Ruffey Lake Park to plant this National Tree Day. Join around 300,000 other Australians in coming together to give a gift to our environment.

Volunteers planted over 500 trees at Ruffey Lake Park during the last event in 2019, and Council is preparing for another huge turn-out this year. Council will provide native trees, shrubs, tools and equipment for volunteers and a free sausage sizzle cooked by the Rotary Club of Doncaster.

“This event is one in which everyone can get involved to connect with nature and our local environment. For years to come, participants will walk through the park knowing they contributed to the beautiful plants around them”, said Mayor Cr Michelle Kleinert.

Plants are critical in tackling climate change, improving air, soil and water quality, and restoring habitats. Each year, National Tree Day contributes to the restoration of Ruffey Lake Park, which has been underway for over ten years. Previous plantings worked to develop the habitat with eucalypt trees

and tall shrubs. This year, volunteers will plant indigenous shrubs and grasses to build the understory that is vital for smaller species such as lizards and skinks and remove toxins from the creek water.

“The main request we received during the development of the Ruffey Lake Landscape Masterplan was to add more trees. This year, we’ve planted 173 new climate-tolerant trees and hope to plant around 500 more plants as part of the National Tree Day event”, said Mayor Cr Kleinert.

The event is from 10:00 am to 12:00 pm on 31 July 2022 at Ruffey Lake Park. To get there, enter through the Victoria Street entrance and walk down the path on the southern side of Ruffey Creek until you reach the footbridge over Roseland Grove Drain.

Registrations are required and can be done at the event on the day. For further information or to register before the event, go to https://www.manningham.vic.gov.au/events/nationaltree-planting-day.

Council News JULY 2022

Manningham to Embrace Plastic Free July Did you know Victoria will have a single-use plastics ban enforced by the State Government from 1 February 2023?

Single-use plastics make up a third of the waste we see on our streets and in our waterways – they are difficult and costly to clean up.

Can’t make it to any of these events?

You can still take on the challenge and consider the changes you can make now to reduce your plastic waste! You don’t have to make many changes all at once; however, these are some great ideas to help you reduce your waste:

Manningham Council is encouraging participation in the Plastic Free July challenge to support our residents in preparing for the ban.

Choose to refuse plastic bags and instead use reusable grocery and produce bags.

• Choose to refuse single-use coffee cups. These can’t be recycled and end up in landfills!

• Try to avoid buying bottled water and instead use a reusable bottle.

• Start composting at home to reduce your food waste.

• Place a ‘no junk mail’ sticker on your letter box.

“Waste is a global issue, but the solution is in many ways local.

We can all participate in the movement to minimise waste.

Plastic Free July is a great opportunity to take on a challenge or just start by making one change”, said Mayor Cr Michelle Kleinert.

Did you know that single-use plastics: • • •

are often used for only a few minutes but remain in the environment for a long time. pollute the environment, harming wildlife and contaminating our food and water include drinking straws, cutlery, plates, drink-stirrers, expanded polystyrene food and drink containers, and cotton bud sticks.

Plastic Free July is a global movement that’s helping people worldwide to be part of the solution to plastic pollution.

During July, Council’s Waste Team will host five pop-up events at our local activity centres to engage residents in conversations around reducing waste.

The pop-up events will be held at: • Templestowe Village, at Kelly’s Corner Saturday 23 July 9:00 am to 11:00 am • Macedon Square, under the shade sails Saturday 23 July 2:00 pm to 4:00 pm • Goldfields Plaza Warrandyte, outside the IGA Sunday 24 July 11:00 am to 1:00 pm • Tunstall Square, at the plaza near Beverly Street Saturday 30 July 9:00 am to 11:00 am • ackson Court, outside Jackson Court Pharmacy Saturday 30 July 2:00 pm to 4:00 pm For more information on how you can reduce your plastics, go to Plastic Free July or contact Council’s Waste team on 9840 9333 or at waste@manningham.vic.gov.au.

JULY 2022 | FIND MANNINGHAM

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What’s On?

Free •

Art Exhibitions

Free to those eligible under the National Immunisation Schem

• Shifting the Anthropocene: Four Views from the Margins Friday, 8 July 2022 11:00am to 4:00pm

Immunisation sessions in Warrandyte Tuesday, 12 July 2022 9:00am to 9:45am

Manningham Art Gallery

Free to those eligible under the National Immunisation Scheme

•

Immunisation Sessions

Warrandyte Community Hall

Free to those eligible under the National Immunisation Scheme

Immunisation Sessions

•

Immunisation sessions in Wonga Park

Immunisation sessions in Lower Templestowe

Tuesday, 12 July 2022 10:45am to 11:30pm Wonga Park Hall

Immunisation Sessions

Tuesday, 14 July 2022 4:00am - 6:00pm Ajani Community Hall

What’s On?

Gold coin donation

•

Kids and Family

Free to those eligible under the National Immunisation Schem

•

Immunisation sessions in Park Orchards

Park Orchards Market Saturday, 16 July 2022 10:00am - 2:00pm

Immunisation Sessions

Monday, 18 July 2022 9:00 to 9:45am Domeney Recreation Centre

Free to those eligible under the National Immunisation Schem

•

Immunisation Sessions

Immunisation session in Templestowe Friday, 22 July 2022 9:30 to 10:30 pm Templestowe Memorial Hall

•

Environment and Waste

Plastic Free July Pop-up at Templestowe Village Saturday, 23 July 2022 9:00am to 11:00 am

JULY 2022 | FIND MANNINGHAM

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Are you Not-For-Profit in Manningham Area?

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Manningham

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Doncaster

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

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Doncaster

Indulge in a range of exclusive, chocolatey offers on World Chocolate Day, Thursday 7 July, as a Westfield Plus member. Simply download the free app now to reveal and redeem sweet deals in-centre from Selene’s Chocolate Bar, TGI Fridays, Godvia and more.

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Make the most of every trip to Westfield Doncaster by downloading the free Westfield Plus App. We’ve been dishing out plenty of incredible member exclusive offers, events, extended free parking, and lots more.

If you’re reading this on a smart phone or tablet, with a couple of taps you too can have the free Westfield Plus App in the palm of your hand.

Don’t forget to keep an eye out for member exclusive offers and events!

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RETIREMENT

Did you know?

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

Downsizer Contribution RETIREMENT

By Warren Strybosch

What is the downsizer contribution?

The amount you are contributing is from the proceeds of selling your home, where the contract of sale was exchanged on or after 1 July 2018.

The downsizer contribution is an amount of up to $300,000 that can be paid in to your super, from the proceeds of selling your home. If you have a spouse, the total contribution is up to $600,000 ($300,000 each).

Your home was owned by you or your spouse, for 10 years or more prior to the sale (the ownership period is generally calculated from the date of settlement of purchase, to the date of settlement of sale).

A downsizer contribution does not count towards your contribution caps,1 and can still be made if you have a total super balance of $1.7 million or more.

Your home is in Australia and is not a caravan, houseboat, or other mobile home.

Downsizer contributions are only available where the contract of sale was exchanged on or after 1 July 2018, and must be made within 90 days of receiving the proceeds of sale.

Who is eligible?

Eligibility is determined by the Australian Taxation Office (ATO).

The ATO outlines eligibility to make a downsizer contribution as follows: You (and if applicable, your spouse) will be eligible to make a downsizer contribution to super if you can answer yes to all of the following: You are 60 years old or older at the time you make a downsizer contribution (there is no maximum age limit)

The proceeds (capital gain or loss) from the sale of the home are either exempt, or partially exempt from capital gains tax (CGT) under the main residence exemption, or would be entitled to such an exemption, if the home was a CGT rather than a pre-CGT (acquired before 20 September 1985) asset.

You have provided your super fund with the Downsizer Contribution into Superannuation form either before, or at the time of making your downsizer contribution.

You make your downsizer contribution within 90 days of receiving the proceeds of sale, which is usually at the date of settlement.

You have not previously made a downsizer contribution to your super from the sale of another home.

www.findmanningham.com.au

Please Note If you sold your house and your name (and not your spouse’s) was listed on the title of your property, your spouse can still make a downsizer contribution, or have one made on their behalf, provided you both meet the eligibility criteria.

If you have a spouse, the combined total contribution is up to $600,000 ($300,000 each), and both you and your spouse will

JULY 2022 | FIND MANNINGHAM

29

What if the ATO determines that I’m not eligible?

Eligibility to make a downsizer contribution is determined by the ATO. If the ATO subsequently determines that your contribution does not meet the downsizer contribution eligibility requirements, they will notify you, and QSuper.

Once we are notified, we will assess whether your contribution could have been made as a personal contribution, and which contribution cap it will count towards.

need to complete the form at the end of this factsheet.

If it is decided your contribution can not be accepted, we will return the contribution amount to you.

Downsizer contribution examples:

What else should I know?

A couple sells their home for

•

$400,00 The maximum contribution cannot exceed $400,000 in total. This means they can choose to contribute half each, or split it - for example, $300,000 into one account and $100,000 into the other.

•

•

A couple sells their home for

$600,00 Out of John and Fatima, only John is on the title. They both meet all the other requirements, therefore John and Fatima can make a downsizer contribution of up to $300,000 each.

A couple sells their home for

$800,00 Each spouse can make a contribution of up to $300,000.

• •

While the downsizer contribution must be made within 90 days of receiving the proceeds of sale, in some circumstances you may be able to request an extension from the ATO. Please contact the ATO for more information.

The downsizer contribution does not count towards your contribution caps. However, when you move your super savings into retirement phase, it will count towards your transfer balance cap,1 currently $1.7 million.

You can make more than one downsizer contribution from the proceeds of a single sale (up to your limit).

However, all contributions must be made within 90 days of receiving the proceeds of sale, unless you have been granted an extension.

Downsizer contributions are not tax deductible.

Downsizer contributions will be taken into account for determining eligibility for the Age Pension

Where can I find more information?

The ATO provides detailed information on downsizer contribution eligibility.

Visit ato.gov.au/downsizing or call the ATO on 13 10 20.

Financial Advice Deciding what is best for you will depend on your personal circumstances and you may want to seek personal financial advice to get the most from your superannuation.

1. Contribution caps - Limits that apply in relation to how much you can add to your super. 2 Provided for illustrative purposed only. Source: ato.gov.au

1 Transfer balance cap - A limit on the total amount of supperannuation that can be transferred into tax-free retirement products. You can find more information on the transfer balance cap in the Tax Explanation factsheet.

This is general information only, so it does not take into account your personal objectives, financial

How to make a downsizer contribution Check your eligibility to make the contribution

situation, or needs. You should consider whether the product is right for you by reading the relevant product disclosure statement (PSD) and target market determination (TMD) Where necessary, consider seeking professional advice tailored to your individual circumstances.

This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before

Complete the Downizer Contribution into Superannuation form (obtain from ato.)

making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Send this form to your superannuation fund Ensure that you send the form before or at the time that you make your downsizer contribution.

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

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PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

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

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

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

Go to www.findmanningham.com.au/graphic-design to upload your details and we will create this for you.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

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If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

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PROFESSIONAL SERVICES

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

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

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When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions.

This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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PROFESSIONAL SERVICES

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CRAIG ANDERSON GENERAL INSURANCE

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We are a unique commercial law firm practising in all states of Australia, with offices in Melbourne, Sydney, and now Brisbane. Our directors have many years in business before practising law which gives us a great advantage in understanding and delivering on our client’s needs and expectations.

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ADVERTISE HERE

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TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals?

Consider joining the Find Manningham Network group.

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES

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

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HOME & GARDEN

BUSINESSES Do you provide Home and Garden services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

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

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HEALTH & BEAUTY

BUSINESSES Do you provide Health and Beauty services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

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

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

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

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

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•Growing Pain •Migraines and Headaches •Poor Posture •Sport Injuries •Special Needs •Retained Primitive Reflexes •Pregnant and Prostnatal Women JULY 2022 | FIND MANNINGHAM

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PAGES

The Autumn Collection is out now!

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

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports.

For inquiries call 1300 88 38 30 or email editor@findmanningham.com.au

SPORTS

Donvale Bowls Club ”CHARACTERS”

He joined the Snowy Mountains Engineering Corporation Consulting firm, SMEC working as the independent Chief Resident Engineer on motorway projects, hundreds of kilometres in length, including China and Pakistan.

Ray recalls being in Pakistan at the time a military coup took place, the Pakistani civil engineers he had been dealing with were displaced by senior army officers in the major roles they played in the National Highway Authority.

In the latter years he worked as Victorian State Manager of the Snowy Mountains Engineering Corporation Consulting firm, one of his roles was Director for the construction verification team for the Eastlink Freeway Project.

Prior to that, reflecting on the early part of his career working for the CRB /VicRoads in road and bridge design, construction and ultimately as Project Manager on major freeway projects including the construction of the Eastern Freeway from Doncaster Road to Springvale Road.

He relates the story working as a young engineer on the first stage of the Eastern Freeway from Collingwood to Bulleen Road when local groups blockaded the Alexandra Parade connection with the wrecks of old cars to delay the opening of the Eastern Freeway in 1977.

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 Ray Bridger (Pictured) A brief insight into Ray’s working life, his involvement at Donvale Bowls Club, and the successful experiences it provided.

As a child he grew up in the leafy suburb of Ivanhoe, attending McLeod High and on to RMIT for four years, completing his Engineering qualifications.

Ray and his wife Ingrid have been married for more than 50 years.

(Some might argue his youthful appearance belies his age).

He has spent the latter part of his married life residing in the Manningham / Doncaster area.

In his occupation as an Engineer, he has worked in Benalla, Bairnsdale, Brisbane, Thailand, China and Pakistan.

He had his first taste working overseas engaged by the then Overseas Projects Corporation of Victoria leading a maintenance team undertaking work on a major cable staved suspension bridge in Bangkok.

Ray joined Donvale Bowls Club in 2013 and what a decided acquisition he has been.

Chairman of the Selection Committee at Donvale, which now includes Saturday and Tuesday’s Pennant teams, a position I should add, not for the fainthearted, some might argue his past occupation building bridges has no doubt assisted him in the transition.

We are certainly fortunate at Donvale attracting and retaining his services, competent quietly spoken, an achiever who when needed gives so freely of his time and expertise.

SPORTS

RECRUITING NOW!!!

For second season in VSDCA Here is an exciting opportunity to join an evolving turf cricket club in the second highest competition in the state, and play alongside and against some of the very best former and future International, State and Premier players in a warm and friendly environment just 20 minutes from the CBD. Enjoy some of the best facilities in Victoria and VSDCA cricket. Create a new destiny at Donvale with us.

All Application will be held confidentionally.

Contact President: Warren McAlpin 0417580553 Vice President (Senior Cricket): Rohan Thompson Senior 0418546715 Junior Co-Ordinary: Mara Laurie 0436 106 324

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JULY 2022

FREE ADVERTISING Religious Groups and Churches Services Times

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

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Birth, Deaths & Marriages JULY 2022

FREE Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! Manningham 1300 88 38 30 editor@findmanningham.com.au

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MANNINGHAM

Support your Local Not-For-Profit

https://www.manningham.vic.gov.au/NEL

Find Coffee

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Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

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Find Brekky, Brunch, Lunch Cafés & Bistro

Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

LOCAL COUPONS

28 February - 28 February 2023

Up to 50% of generated funds goes to Not-For Profit organisation.

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findmanningham.com.au/register Please refer to Page 55 - 56

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Dining

Part of the secret of success is to eat what you like and let the food fight it out inside.

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Brekky, Brunch & Lunch The best memories are made when gathered around the table

FIND ADVERTISING COUPONS editor@findmanningham.com.au 1300 88 38 30

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& Lunch

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Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

FIND ADVERTISING COUPONS editor@findmanningham.com.au 1300 88 38 30

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Takeaway

Takeaway You don't need a silver fork to eat good food

FIND ADVERTISING COUPONS editor@findmanningham.com.au 1300 88 38 30

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NEW OFFERS COMING

JULY 2022 | FIND MANNINGHAM

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Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findmanningham.com.au 1300 88 38 30

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Find Coupons & Find Cards Policy Any changes or updates to these ‘Terms of Use’ of the Find Cards and/or Find Coupons can be found here.

Non-Transfer

Valid Periods

The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer).

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2022 Find.

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authenticationt Code & Customer Signature All Find Cards must display an Authentication Code, Regions Sticker and a members name and signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card.

Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2022 Find© Pty Ltd.

JULY 2022 EDITION