Find Manningham November 2022 Edition

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.

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 warren@findnetwork.com.au

PUBLISHER: Issuu pty Ltd

ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au

The

anningham

ALL THINGS MANNINGHAM

POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134

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.

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.

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.

By Warren Strybosch

At Find Maroondah, we want to wish all the VCE students well in their exams for 2022.

We are so thankful that you will be able to sit your exams in normal settings and not have to wear masks or try to complete exams online in your own homes.

Whilst VCE exams can be a very stressful time for many students, we want to encourage you all, that regardless of the outcome, this is only one short period of time in your lives, and it does not determine who you are as a person. Whether you do well or not, VCE is only one pathway into your chosen career –it does not have to be the end of your journey.

Do the best you can and remember that, whatever happens, there is another day, another week, and the rest of your lives to discover wonderful things.

All the best, from the Team at Find Maroondah.

We wish all VCE tudents well in their up-andcoming exams

Wired and Tired - from stress to exhaustion

NATUROPATH

By Kathryn Messenger

Trying to achieve more than most people? Or maybe you’ve been doing that and have hit a wall?

Welcome to the world of adrenal exhaustion, or technically, the Hypothalamus-Pituitary-Adrenal (HPA) axis dysfunction, adrenal insufficiency, or hypercortisolism.

It all starts with stress

According to the Australian Bureau of Statistics in 2020-2021, 15% of Australians experienced high levels of psychological distress, and this was higher in women, and younger Australians (16-34 years). This is likely to be higher in Melbourne where the pandemic stress combined with lockdowns meant long periods of reduced social activities and parents trying to juggle work with homeschooling.

Our central nervous system has two modes: sympathetic nervous system (SNS) dominance, known as ‘fight or flight’, and parasympathetic nervous system (PSNS) dominance, ‘rest and digest’. During life we need to spend time in both modes, SNS to achieve and accomplish our goals, and PSNS to relax and enjoy life.

High achievers usually do exceptionally well when life is predictable and there is enough time for relaxing. But add some kids, financial pressure, or any other additional responsibilities to the mix and the time spent in PSNS mode often gets squeezed out of life. This is where the problem starts and people tend to either ignore the stress and push through,

or relax by drinking, enjoying junk food, or finding another way to distract themselves. Either way is not good for your body.

Signs of adrenal exhaustion

• Feeling exhausted or fatigued

• Surviving on caffeine (which may be less effective over time)

• Sleep disorders (insomnia or daytime sleepiness)

• Anxiety or depression

• Memory or concentration difficulties

• Menstrual and reproductive dysfunction

• Hypertension (high blood pressure)

• Cardiovascular disease

• Immune dysfunction

• Metabolic disease

• Weight gain

The solution

There is so much that can be done with both nutritional and herbal medicine to help support you. There is a class of herbal medicines called ‘adaptogens’, and these herbs help you to adapt to both physical and mental stress. In clinical studies on athletes, those taking adaptogens can run and swim for longer and go further than the control group. In studies that use questionaries, those taking adaptogens report significantly lower levels of stress, anxiety, and depression. There are also herbs to support your adrenal glands and nervous system which can be accurately prescribed during a naturopathic appointment.

Whole Naturopathy can help with any of these issues, from diet guidelines, to hormonal regulation, and well as with natural supplements to provide further weight loss support.

What can you do?

• Find things in your life that are fun

• Have activities you find relaxing

• Spend time in nature

• Do things with friends or family

• Spend time in gentle exercise

• Spend time away from a screen and relax before bed

• Eat nutritious food

• Reduce caffeine, sugar, and alcohol

• Learn time management techniques

• Remove life stressors where possible

• See a counsellor

Whole Naturopathy can help provide you with nutritional and herbal support for stress, exhaustion, and any other health issues that arise as a result of stress.

https://www.abs.gov.au/articles/firstinsights-national-study-mental-healthand-wellbeing-2020-21

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.

BHSc (Naturopathy)

kathryn@wholenaturopathy.com.au

GENERAL INSURANCE

By Craig Anderson

It’s likely that you’ve never given a moment’s thought to how many businesses are owned by Baby Boomers (people born between 1946 and 1964) and whether this matters. In Australia the last of the boomers born are now 58, and will no doubt be looking at what to do with their business before they retire. If they currently have Professional Indemnity or Directors and Officers cover for example, which both use ‘Claims Made and Notified’ wording, they need to budget for run-off cover. This is insurance purchased to cover previous activities, even if no new business activity will take place. Failure to plan for this expense may put a severe dent in their retirement savings. Worse still would be to drop the cover, then be pursued as a retiree and former company director for losses which are no longer insured.

Various insurance policies are written on a ‘claims made’ basis. This means that they will only respond to claims which are made against an insured, and notified to the insurer during the live policy period, regardless of when the work was undertaken by the named insured. If the policy expires (so not renewed when the company closes or is sold), no “new” claims can be made under the policy even if the circumstances leading to the claim occurred during a previous policy period. Claims already notified and accepted during the policy period should still be honoured, but new notifications would be rejected.

This is where a run-off insurance policy can prove to be invaluable.

Run-off insurance policies can be arranged prior to the cessation of a business or the completion of a project where a live “claims made” policy is still in

Boomers

effect. They can provide coverage to an insured for future claims made against them which arise from acts, errors or omissions which occurred prior to the inception of the run-off policy during the “normal “ policy period. Run-off policies

can be taken out on an annual basis or a multi-year basis with a single upfront premium payment. (Some insurers will do only one year at a time).

The following policy types are normally written on a “claims-made” basis and run-off insurance should be purchased if winding business up or finishing a specific project. 1. Professional Indemnity Insurance

active on the ABN Register and wound-up legally.

• Obligations agreed to under contracts & deeds signed by the company can survive the life of the company and attach to individuals such as directors.

• Some sale agreements require entities to purchase run-off insurance to cover past liabilities when the new owners don’t want to carry forward the liability.

• 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

Why do I need it when the company is already closed?

• Individuals can be held liable for for their negligent actions as professionals, principals, partners, directors, officers and employees even if a company is no longer

GENERAL INSURANCE

Small Business Insurance Brokers www. heightsafetyinsurance brokers.com.au 0418 300 096

As the weather warms up and both people and wildlife are more active, accidents are bound to happen. If you find an injured animal, there are small things you can do that can go a long way to helping the animal survive. Despite common misconceptions, cats are not the cause of most wildlife injuries. They mostly go for mice and rats, helping to keep the rodent population down. It is human activity that causes the majority of injuries to the local wildlife.

Your first choice should be to contact a qualified wildlife carer or your local vet.

Wildlife Victoria - (03) 8400 7300 24 hours a day, 7 days a week or use this link to report online. https://www.wildlifevictoria. org.au/wildlife-information/report-awildlife-emergency

Warriors 4 Wildlife - 1300 352 923 24 hours a day, 7 days a week or use the chat function on their website https:// warriors4wildlife.org/

If you feel the animal is in a compromising position, for example somewhere a predator has easy access, you may need to move it.

Wild animals carry mites, lice and diseases that can be transmitted to

Make up a small kit of - disposable gloves, - hand sanitiser, - an old towel, - a disposable puppy pad, and - a decent sized box with air holes. Alternatively, a plastic bag can be used instead of gloves to contain the animal’s limbs or wings while you wait for a wildlife carer or you take it to a vet. Keeping the animal away from your clothing and skin can help with reducing the chance of contact with any lice or mites, however you can always quarantine those items of clothing if the animal needs to stay close for warmth. Putting hand sanitiser on your hands and arms can help stop the mites and ticks from sticking to you.

On a cold day: In the ventilated box, put the old towel at the bottom, a heat pad or hot water bottle in the towel (warm not hot), puppy pad and animal. If possuma beanie is adored for comfort by them.

On a hot day: towel in box, puppy pad on top and good ventilation, provide any water hydration that you can and regulate temperature.

If you come across a mother who has died, please always check her pouch

for any babies. If you can transport the mother as well, it is best to keep the baby in the pouch until you can get to the vet or a qualified wildlife carer.

Emergency care for possums and birds is very similar if a vet isn’t open nearby. Boil water (250ml)

Add a small teaspoon of honey Cool down to room temperature and syringe a little into the animal’s mouth until you can get to closet vet or RSPCA.

It is common to find baby birds, known as fledglings, on the ground at this time of year. This is a very important part of their development as they learn to fly and take off from the ground. It is wise to keep an eye on them to ensure you can spot if they become injured, however do not approach them as their parents will be close by keeping an eye on them.

If you are concerned at all, please contact a qualified wildlife rescuer for advice. They may want to come out and assess them to determine if there is anything to be concerned about.

Your vet will ask exactly where the animal was found so it can hopefully be rehabilitated and reunited with its family. If you do get bitten or scratched, please don’t forget to make sure your tetanus vaccine is up to date!

Special thanks to Kate McIntosh from Elsternwick Vet Clinic for this information.

By Jodie Moore

humans and your beloved fur babies at home. With a few simple precautions though, you can still help.

FOGO IS COMING TO MANNINGHAM

By Jodie Moore

From July 3, 2023 you will be able to add food waste to your green waste bin as part of the new Food and Garden Organics Service, or FOGO (Food Organics and Garden Organics). The aim of this initiative is to reduce food waste in landfill which currently accounts for 56% of all garbage in Manningham and ends up producing methane gas, a greenhouse gas that is 23 times stronger than carbon dioxide.

Your FOGO bin will be collected weekly and your recycling (yellow lid) and garbage (red lid) bins will be fortnightly.

How will this be rolled out?

March - May 2023, each residential property will receive a FOGO kit. This consists of a kitchen caddy and roll of compostable bags to make it easier for you to collect your food waste to put into the bin. Each roll of bags contains 150 bags which should last you around

1 year. You can however collect more bags if you run out.

On July 3, 2023, you will be able to begin using your FOGO bin to put your food scraps into in addition to your garden waste.

You will be able to place the following food scraps into your FOG bin however a more extensive list will be provided in 2023:

• fruit and vegetable scraps including garlic, onion and citrus

• leftovers and plate scrapings

• rice, grains, cereals and bread

• meat, seafood, poultry and bones (raw and cooked)

• dairy products and eggshells

• tea leaves and coffee grounds

• mouldy or expired foods

• pastries, cakes and deserts

For more information or to sign up to updates, visit https://www.manningham. vic.gov.au/waste-and-recycling/binsand-collections/food-organics-gardenorganics-fogo

Songs that make you go hmmm…

By Jodie Moore

Have you ever listened to a song, really listened to it, and realised it meant something different to what you thought. You may have listened to it for years, even sung along with it in the car but not actually registered what the words meant?

I had this experience recently with a song by Kylie Minogue. It was released in 1990 as the lead single for her third album ‘Rhythm of Love’. ‘Better the Devil You Know’ is said to be about her leaving the tv series Neighbours and her

relationship with her then boyfriend, INXS singer Michael Hutchence.

However, to me, the song sounds like it is encouraging people to stay with abusive partners. Have a look at some of the lyrics and see what you think –

[Verse 1]

Say you won’t leave me no more; I’ll take you back again; No more excuses, no, no;

‘Cause I heard them all before; A hundred times or more

[Chorus]

I’ll forgive and forget; If you say you’ll

never go; ‘Cause it’s true what they say; It’s better the devil you know

[Verse 2]

Our love wasn’t perfect, I know; I think, I know the score; You say you love me, oh boy;

I can’t ask for more; I’ll come if you should call

It continues on including other lines like “I’ll be here every day, Waiting for your love to show”

I listen to the song and I hear “You don’t treat me nicely but you tell me you love me so that’s ok.

If you leave me, I’ll welcome you back as long as you tell me you love me. There isn’t any point me leaving you because I might end up with someone just as bad or worse.

At least by staying with you I know what I’m getting. There is no way I could end up with someone better.”

What do you think? Is there a song that you have heard that makes you go hmmm? Email us at editor@findmaroondah.com. au with your thoughts.

Holistic Adviser of the Year & Practice Principal of the Year

Year after year, the ifa Excellence awards have rewarded the most exceptional financial advisers and businesses across the country, showcasing their achievements and honouring their efforts in contributing to the sector.

Recognising the contributions of the profession’s rising stars through to those in the most senior ranks of start-ups, established businesses and transformed businesses, our awards program enables thousands of professionals and businesses to boost their careers, reputation and businesses after winning an award.

The finalist list, which was announced on 5 October 2022 , features over 230 highachieving financial services professionals across 28 submission-based categories.

“Firstly I would like to congratulate all the finalists and thank everyone that applied for this year’s ifa Excellence Awards. The competition was very tough and we at ifa are thrilled to once again host a fun night out for all our well-deserving advisers after another fairly tumultuous few months,” says Wealth editor Maja Garaca Djurdjevic.

“We look forward to celebrating the excellent work being undertaken by advisers all across the country and those whose innovation has led the way for the sector."

Warren Strybosch, Founder at Find Group, said that he was humbled to be recognised and proud to be named as a finalist in the ifa Excellence Awards 2022.

"Find Group's recognition for our excellent contribution to the Financial Services Industry reinforces the strength of our service and dedication to connecting with the community and engaging with clients," added.

Holistic Adviser of the Year:

This award Recognise An Individual Who Offers Clients A Multitude Of Advice Services And Professional Disciplines, Such As Investment And Risk Advice, SMSF, Tax And Accounting, Legal And Estate Planning, And Mortgage And Credit Advice.

Practice Principal of the Year:

This Award Recognises The Individual Owner Or Managing Director Of a Boutique, Self-Licensed. Financial Planning Firm Who Has Built The Most Successful Business Over the Past Calendar Year. Success Will Be Measured By The Individual Adviser and Collective Advice Capabilities Of The Firm, Growth And Retention Of Advisers And Other Team Members, Plus The Success of the Business In Term Of Revenue And Profitability.

Warren Strybosch - Find Group has been shortlisted for the ifa Excellence Awards 2022. Warren Strybosch - Find Group has been named as a finalist in the ifa Excellence Awards for

.

a

resolutions and minutes

By Warren Strybosch

For those who own and operate a family trust, you would be aware of the increased interest the ATO has placed on these structures.

The ATO seems very interested in reducing the amount of distributions that are being passed on to adult children and other beneficiaries whereby the result is less tax being paid by the owners of those trusts; in most cases, this being the parents of adult children.

Since the inception of family trusts in 1970, trusts have been subjected to many changes with new laws being handed down by the Courts, the ATO and State and Federal governments, with the most recent one being centred around 100A.

However, with a recent Victorian Supreme Court of Appeal that has taken place, trustees now need to be aware of another potential change that is likely to take place. This change involves the minutes that must to be completed and signed before the end of each financial year in relation to distributions of income for that particular accounting period.

The Appeal decision in question relates to Owies v JJE Nominees Pty Ltd (ACN 004 856 366) (in its capacity as the trustee for The Owies Family Trust)

[2022] VSCA 142 (“Owies”) which was handed down in July this year. The decision now puts trustees on notice to genuinely consider all beneficiaries, and in particular the primary, named or specified beneficiaries when making their trust distributions. The failure to do so may result in certain trust distributions made in a particular year being voidable and higher taxes being paid.

This case highlights the point that for a trustee to genuinely consider a beneficiary as being entitled or not entitled to income for a particular accounting period, the trustee should as a minimum, make enquiries as to the primary, named or specified beneficiaries’ needs and circumstances.

It is not good enough now to simply get beneficiaries to sign a document releasing the trustee from having to paying any money to a particular beneficiary. The trustee must demonstrate that they have made enquiries regarding the needs and circumstances of the beneficiary to determine if that the beneficiary does not need those trust distributions. If it is found out that the beneficiary could have benefited from the trust distributions and these were withheld, then a future claim might be made against the trustees to pay the amounts withheld and/or the ATO might rule the distributions invalid resulting in the trust having to pay the tax for that given period, usually around 45%.

The absence of such evidence may assist a beneficiary in making a successful claim against the trustee for not receiving a (or receiving an inadequate) trust distribution in a particular year.

For the trustee to avoid an adverse court judgment against them for future trust distributions, the trustee may need to do one or more of the following:

1. Make enquiries each accounting period on the needs and circumstances for every primary/ named/specified beneficiary as a minimum;

2. Internally document their enquiries and considerations;

3. Consider removing certain primary beneficiaries from the trust - subject to review of the trust deed.

We believe that this case has such significance for all trustees and that we are likely to see a higher take up of beneficiaries approaching trustees for past distributions that were not paid to them.

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

ACCOUNTANT

Warren Strybosch

Do you own

family trust? Be aware of the new changes to

IS GETTING A PRE-APPROVAL WORTHWHILE

MORTGAGE BROKERING

By Reece Droscher

One of the most common questions I am asked as a Mortgage Broker is: “Should I get pre-approval with a lender before I start shopping for a home?” The answer is definitely yes, but there are a few things you should be aware of before you go out and sign a contract to buy a house thinking that your finance is already approved by the Bank.

What is the benefit of getting pre-approval? There are several benefits to getting a broker to organise a pre-approval before you make an offer to buy a home.

1. The pre-approval will provide you with some security that, assuming your financial position remains unchanged, the lender is comfortable that you can afford the loan required and you would meet their lending criteria.

2. You will be aware of any conditions that you would be required to meet to obtain final approval, such as needing to reduce or cancel existing credit cards or buy-nowpay-later accounts so you can prepare to meet these conditions.

3. You will know your limits in relation to the purchase price, which is especially relevant should you be looking to buy a home at auction, and all of the costs associated with buying a home to ensure you will be able to complete the property settlement.

4. If you apply using a mortgage broker they will complete research on your behalf, taking into your account your requirements and the product features you would like to have, to determine which lender and product would be the most suitable to lodge an application with.

Is a pre-approval a guarantee that my loan application will be approved?

Although obtaining pre-approval with a lender provides you with some comfort that you will be approved should you buy a home within the conditions of the pre-approval, this is not a 100% guarantee of final finance approval. There are several issues that can cause a lender to back away from any preapproval commitment. Some of the most common are:

1. Changes in interest rates which may increase the required loan repayments, making the preapproval amount less affordable.

2. If a property valuation has to be completed any shortfalls in the valuation may impact on the lender’s pre-approval commitment.

3. Any new loans or other access to credit that you may take out between getting the pre-approval and buying a property can alter your eligibility for finance approval.

4. Changes to your income/ employment status.

How do I make sure that my pre-approval will turn into final approval?

Working with a mortgage broker can ensure you have the best chance to turn your pre-approval into a final approval. They can work with you and the lenders to cover any potential hurdles in getting the pre-approval, or if your situation changes they can determine whether this will have any impact on your final approval before you buy a home.

Pre-approvals are usually only valid for 90 days, so a broker will also assist with keeping your pre-approval current by providing updated information to the lender so they can re-assess and extend the pre-approval if you are still eligible.

It is also important to note that getting pre-approval with a lender does not lock you in to that lender. With volatile interest rates and changes to lending policies occurring, a mortgage broker will regularly review whether the lender is offering the most suitable product to meet their client’s needs. Remember, a mortgage broker is bound by their Best Interest Duty to always put their client’s interest first, so you can be assured that they will be recommending the lender and product that best suits your needs.

At SHL Finance we would welcome the opportunity to discuss your potential Home Loan requirements with you. Please call Reece Droscher on 0478 021 757 and he can help you navigate your way through the Home Lending market to realise your financial goals.

Please call Reece Droscher on 0478 021 757 to book in a review and discuss your options.

www.shlfinance.com.au

Tuning into our senses is an important way to slow down from the busyness of life.

NATURE

By Kayte Kitchen

Over 5 publications we will be running a series of sensory experiences in nature. Each experience will take about 10 mins and you are encouraged to read through the instructions before you commence your time in nature to maximise your experience.

Find a spot outside where you can sit or lie down comfortably. This could be in your backyard, your local reserve or in a national park.

Take a few moments to regulate your breathing and settle into your position.

Breathe in for the count of 5, hold your breath for the count of 5, breathe out for the count of 5, pause for the count of 5.

Repeat up to 5 times.

Allow your breathing to find its natural rhythm once more.

If you are comfortable, shut your eyes. If not, focus on a spot down in front of you.

For the next 5 mins, tune in to what you can observe with your ears.

Listen, what do you notice?

How many different sounds can you hear?

Are they far away or close by?

In what direction do they come from?

Are they repetitive or random?

Allow your sense of hearing to become larger.

If your mind gets distracted, just draw your thoughts and attention back to what you are hearing.

Try to stay focused and enjoy the experience of tuning into your sense of hearing.

When you choose to complete your experience, you may wish to take a moment of gratitude for nature and for the experience you have just had.

KayteKitchen

is the founder of Admirari Nature Therapy who provide nature experiences for schools, business and individuals.

For more information visit admirari.com.au

FINANCIAL PLANNER

By Erryn Langley

What would happen to your partner or family if you passed away? Would this cause them financial stress, would they have to sell assets just to live, pay bills and buy essential items?

Many people don’t stop to consider this question because most people don’t like to think about worst case scenarios. Many people think ‘oh that it won’t happen to me’ or they think of insurance as an unnecessary expense.

Most people who own a car, have car insurance, and don’t even think twice about having it, yet many people do not have any or have very little life insurance (which is can also be known as death cover). Yet one of the best ways to protect your partner and your children if you were to pass away suddenly, is by ensuring that you have adequate insurance to protect them and their lifestyle.

What is personal risk insurance?

Personal risk insurance can help protect you or your loved ones financially, to ensure you can all keep living the life you love in the event of illness, injury, or even worse death. This article focusses on Life Insurance.

However, it is important to point out that there are 4 different types of personal risk insurance cover:

Life Insurance always a good idea

• Life Insurance (also known as Death Cover) - Life Insurance provides a lump sum payment to help ensure your partner and families financial security in the event of your death, or if you are diagnosed with a terminal illness.

• Income Protection - Income Protection provides you an alternative source of income if you are unable to work due to an illness. This can help to keep your household with income, while you recover and until you are able to return to work.

• Trauma Insurance - In the event you’re diagnosed with certain serious medical conditions or illnesses (such a cancer, heart attack, stroke just to name a few), trauma cover provides a lump sum payment to assist you as you recover. During recovery there can sometimes be unexpected costs that may not be covered by Medicare or Private Health Insurance, such rehabilitation equipment, ongoing medical care, home modifications, living expenses and bills which is where a trauma payout can be very helpful.

• Total and Permanent Disability Insurance (TPD) - TPD insurance can provide a lump sum payment if you were to become permanently disabled due to accident or illness and are unlikely to ever be able to work again.

How can Life Insurance be set up?

Life insurance can often be purchased through your existing superannuation fund which is referred to as Group Cover.

However, we encourage you to read the product disclosure statement and ensure you understand what you are covered for.

Financial advisers have access to many different insurance providers and products, we can offer you Retail Insurance cover.

There are advantages and disadvantages of both Group and Retail cover, a financial adviser can help you understand which option may be best for you.

What is group insurance cover?

Group insurance is a pooled insurance product offered by a super fund (or employer) to a group of people. The agreement is between one owner (the trustee of a super fund or an employer) and the insurer. Often, people will hold a default level of group cover via their industry superannuation fund. The amount of cover usually decreases as you get older with group life insurance.

And it often gets more expensive as you get older.

One of the advantages of Group cover is that sometimes you can be automatically accepted without having to provide further information about your health. However, if you want to take additional life cover above the standard level offered you may be required to answer a medical questionnaire.

What is Retail Insurance?

An individual insurance product between the life insured and the insurer. Policies are channelled via intermediaries suchas financial advisors. The application process involves underwriting – which is an assessment of the risk profile of the life insured, which involves a medical component (e.g., personal/family history, potential collection of bloods etc). One of the main benefits of a retail insurance policy is that the terms and conditions are protected and cannot be unilaterally changed to your disadvantage.

What effects the cost of a retail life insurance policy?

An underwriter determines your overall risk by examining factors, such as your age, gender, medical history, current health status, whether you are a smoker or non-smoker, your occupation, and your recreational activities. They can then choose to offer you cover at standard rates, or they may offer you cover with a policy exclusion or add a premium loading if they determine you may be higher risk.

Should life insurance be indexed or not?

Retail insurance policies allow you to have the option of increasing your sum insured annually which is also know as indexation. The amount you are insured for will be indexed in line with inflation. You can however to choose to remove this indexation.

Most group insurance schemes tend to reduce the benefit amount as you get older. This is one of the critical differences between group and retail insurance.

What is the difference between stepped and level premiums?

Stepped premiums is when the cost of your cover is recalculated each year based on your age at your policy anniversary. Generally, this means your premium will increase each year as you get older. Group insurance generally only offer age-based/unitised or stepped premiums.

Retail life insurance policies on the other hand tend to offer a choice between stepped and level premiums. This is also one of the benefits of retail insurance policies is they allow you to select between stepped and level premiums or a hybrid of the two. This provides more flexibility for short-term or long-term insurance needs.

Level premiums are where premiums are calculated based on your age when any cover started. Your premium is generally averaged out over several years, which means you avoid increases in your premium due to age at each policy anniversary.

This means your cover is more expensive than ‘stepped premiums’ at the beginning of your policy, but generally gets cheaper (relative to stepped premiums) as your policy continues.

What should you do if you would like further information?

As you can see life insurance is complex yet critical for your family’s financial wellbeing. If you are considering a review of your insurance needs, please contact Find Insurance on details below.

We would be happy to have an initial phone conversation, or you can find out more information at our website https:// findaccountant.com.au/financialplanning/insurance/

Erryn Langley

1300 557 144 | erryn@findwealth.com.au www.findwealth.com.au

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth.

Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/

Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd.

Thisinformationhasbeenprovidedasgeneraladvice.We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

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

Madeleine Peyroux

Murdoch Hall | Sat 11 Mar

Book now

MILOŠ

Classical guitarist MILOŠ makes his long awaited return to Australia. Dubbed by many as ‘The Classical Guitar Hero’, MILOŠ has astounded audiences world-wide with his virtuosic playing. Tickets on sale Fri 4 Nov.

Elisabeth Murdoch Hall | Sat 15 Mar

Manningham

Manningham community comes together to honour Mahsa Amini

Representatives from Manningham’s Iranian community gathered yesterday at the Civic Centre to remember Iranian woman Mahsa Amini.

The tragic death of Mahsa Amini in Iran has sparked the global protest of unity to support women’s rights.

For the wellbeing of Iranian people living in Manningham, members of the local Iranian community asked Manningham Council to support a memorial for Mahsa.

Manningham Mayor Cr Michelle Kleinert said the event was a way of standing with the Iranian community in their united voice on women’s rights.

“Manningham is home to the largest Iranian population in Victoria.

“The death of Mahsa Amini was in Iran, but violence against women and gender inequity is a global issue. It affects us all and impacts many women in Manningham. We stand against this in Manningham.”

“We will establish a memorial for the community to come and remember Mahsa and women across the world like her. It will be a place of silent unity, where the community can gather in support of gender equality and women’s rights.”

The memorial will include a community artwork. Members of the local community will create the artwork in coming months, supported by Manningham Council.

Manningham Mayor, Cr Michelle Kleinert, several Manningham councillors, the Council CEO and a number of Council staff attended Sunday’s event. Other guests included:

•Sahar Gholizadeh, 2022 Victorian Honour Roll of Women inductee and member of the Manningham Health and Wellbeing Advisory Committee

•Afrooz Rahimian, President of the Australian Iranian Society of Victoria

•Mr Keith Wolahan MP – Federal Member for Menzies•Leaders and members of the local Iranian community. Cr Kleinert said the artwork project will be a beautiful tribute to Mahsa.

“We are looking forward to working with the community on this and can’t wait to see what is created.”

Ms Gholizadeh said the memorial will be a special place for the Manningham Iranian community that brings healing, peace and unity.

Federal Member for Menzies, Mr Keith Wolahan MP, 2022 Victorian Honour Roll of Women inductee and member of the Manningham Health and Wellbeing Advisory Committee, Sahar Gholizadeh, Manningham Mayor, Councillor Michelle Kleinert and Manningham Council CEO, Andrew Day at the Mahsa Amini memorial on Sunday 30 October 2022.

Manningham Councillor, Deirdre Diamante, Federal Member for Menzies, Mr Keith Wolahan MP, Manningham Mayor, Councillor Michelle Kleinert, President of the Australian Iranian Society of Victoria, Afrooz Rahimian, 2022 Victorian Honour Roll of Women inductee and member of the Manningham Health and Wellbeing Advisory Committee, Sahar Gholizadeh, Manningham Councillor, Laura Mayne, Manningham Councillor Carli Lange and Manningham Councillor, Tomas Lightbody at the Mahsa Amini memorial on Sunday 30 October 2022.

President of the Australian Iranian Society of Victoria, Afrooz Rahimian, Manningham Mayor, Councillor Michelle Kleinert and 2022 Victorian Honour Roll of Women inductee and member of the Manningham Health and Wellbeing Advisory Committee, Sahar Gholizadeh at the Mahsa Amini memorial on Sunday 30 October 2022.

Council News

Manningham welcomes new Mayor

It seems Manningham’s new Mayor, Councillor Deirdre Diamante, was always destined for the gown and gavel, having grown up on Council Street in Doncaster.

Cr Diamante was unanimously elected to the position by her peers at last night’s special Annual Meeting of Council.

In her acceptance speech, the Tullamore Ward Councillor and mother of three, said she would prioritise Council visibility and responsiveness for the community.

“The opportunity to lead this city in public service is amazing, it is a real honour,” Cr Diamante said.

“I want Manningham to continue to be a great place to live, to learn and to grow. I want my children to want to live here, I want my children to want to raise their families here.”

Cr Diamante said councillors had many responsibilities and one of those was to “protect and foster those aspects of this beautiful city, that make it such a great place to live.

“I strongly believe one of our core roles, is to represent those people who elected us, advocate for them and to be their voice.

“I want to create more opportunities for councillors to visit your wards and speak on matters that are important to you and your community.”

Councillors congratulated the new Mayor and commented on her strong values and determination to listen to the community, keeping an open mind when it came to decisions affecting Manningham.

These sentiments were echoed by Council CEO, Andrew Day,

“I can guarantee you that the team who are in the room, the staff and the team beyond that will hook right in behind you and give you the support you need to be as successful as you can possibly be,” Mr Day said.

Councillor Tomas Lightbody was elected Deputy Mayor in his second major achievement of the day, incredibly, having also completed his master’s degree.

Cr Lightbody was congratulated by his fellow councillors for both achievements and the Mayor and Deputy Mayor will serve in their new positions for one year.

Councillors also thanked outgoing Mayor, Cr Michelle Kleinert for her tireless leadership, energy, passion and for reconnecting Council with the community following the COVID-19 lockdowns.

During her Mayoral term, Cr Kleinert attended more than 600 key openings and events, welcomed over 1000 new citizens to Manningham and was a strong mental health advocate for the community.

Cr Kleinert said she felt a sense of duty to be a strong leader for Manningham following the pandemic and thanked the community, councillors and the organisation for the “beautiful responsibility”.

Cr Kleinert said she had endeavoured to reconnect, listen and be present and accessible each day of her second Mayoral term, having also served as Mayor in 2016-17.

In congratulating Cr Diamante, Cr Kleinert reflected on advice she received from former Mayor, Ron Kitchingman OAM, who attended the gallery last night: “Keep smiling and enjoy!”

who congratulated the Mayor on behalf of the organisation.

Councillors celebrated for years of service

in 2021-22. Cr Kleinert is the Westerfolds Ward Councillor and is passionate about Manningham’s open space, vibrant community and supporting local business, community clubs and youth.

Over the last decade, Cr Kleinert has worked tirelessly to promote community spirit and connectedness, while also championing youth mental health outreach in Manningham and the importance of having female representatives in local government.

Cr Gough is the Councillor for the Bolin Ward and sees the improvement of our footpaths, roads, streetscapes and parks as a priority. Cr Gough has shown his commitment for ensuring Manningham’s community infrastructure is well maintained.

Manningham was a very different place when Cr Geoff Gough joined Council 25 years ago in 1997. MC Square was not yet built, Westfield Doncaster Shopping Centre was half the size and the Eastern Freeway extension from Doncaster to Donvale was yet to open.

Manningham has seen significant growth and change over the last 25 years and Cr Gough has been a committed and long-serving councillor through it all.

On Thursday 14 October, Cr Gough and Manningham Mayor, Cr Michelle Kleinert were celebrated for their long service at the Municipal Association of Victoria’s (MAV) Councillor Service Awards. At the awards ceremony councillors from across the state were celebrated for their achievements, commitment, dedication and long service in local government.

Cr Kleinert was recognised for 10 years of service, beginning as a Councillor in 2012, serving as Mayor in 2016-17 and again

A Fragment of the Infinite Magnificence

A Fragment of the Infinite Magnificence, explores connections between our private worlds and nature through dreamlike, intimate, interior scenes. A conveying of otherworldly moments that may not be perceived thoroughly by seeing, hearing, smelling, touching, and/ or tasting.

“I want to take a part of it home, frame and keep it forever at the corner of my heart, inside my mind, in front of my eyes, or rather, become one with it. I am now reflecting a fraction of all that

Cr Gough believes in prioritising community support, including local business support, transparency in decisions, sound financial management and accountability to our community. He advocates that council needs to listen, consult and act with responsibility and integrity.

Manningham CEO, Andrew Day, said the MAV awards recognise years of public service that have been instrumental in shaping our local community in a myriad of ways.

“Both Cr Gough and Cr Kleinert have served the Manningham Community tirelessly for decades, providing leadership and direction that has had a profound impact and benefit to our community.” Mr Day said.

“On behalf of Manningham Council and the Manningham Community I would like to recognise Cr Gough and Cr Kleinert for their years of diligent service and thank them for the wonderful contribution they’ve made to Manningham.”

greatness. Anyone who looks at me will see her and her glory and beauty. Now we are one. She is in my home and, I am in hers. She has always been my haven.” - Zahra Marsous

Zahra Marsous (b.1987 Tehran, Iran) is a visual artist based in Melbourne, Australia. She was awarded a BA in Painting from Tehran University of Art in

2010 and a Diploma in Painting from the Visual Art School in Tehran.

Zahra has held several solo exhibitions in Iran and Australia and participated in numerous group exhibitions, festivals, and biennials. She is interested in the female form and its relationship to nature, emotions, and feelings.

Photo by Charlie Kinross.

All Aboard Skateboarding Sessions - Warrandyte

Skateboards, helmets and padding provided.

However, If you have your own equipment, you are welcomed to bring this along to use.

These workshops are made possible thanks to YMCA Action Sports and Victorian Skateboard Association.

These workshops are led by experienced instructors to create a fun environment that involves games with a social focus.

During an All Aboard session, children and young people build confidence by learning about skate skill development, injury prevention, skate park etiquette and equipment maintenance.

Each session generally runs for an hour and can accommodate up to 25 people at a time, from beginners to intermediates.

All genders and all abilities are welcome to participate.

Wonga’s Artist Celebration

Wonga’s Artist Celebration (WAC) is fun evening out for the whole family.

The Wonga Park Community Cottage will open its doors to our youth community to host a special evening showcasing local artistic talent, including music performances, art exhibitions, stand-up comedy and more.

There will also be a selection of food trucks providing an assortment of tasty snacks and dinner options.

We invite all youth aged between 13 and 24 and their families to join in the fun.

This is a drug and alcohol-free event.

Visit our website and Facebook for more information and updates.

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 Rob McAnally A brief insight into Rob’s working life, his involvement at Donvale Bowls Club, and the successful experiences it has provided.

He was born in Box Hill in 1947 living in the western suburbs where his father owned a Malvern Star franchise.

The family relocated to Albury NSW when he was 4 years old, his father taking over the management of a hotel.

This was to become a big feature in his youth, after a year or two the family then moved to Maryborough Vic taking over the licence of the “Bull and Mouth” hotel.

Rob never discovered the origin of the name! A year or so later the family moved back to Albury, managing the Albion Hotel.

In his early pre-teens years his father took him on a local flight in a light aircraft igniting an interest that he still holds dear today.

He was educated at Aquinas College in Albury and after Matriculation held a few jobs locally before deciding he wanted to get into Aviation as a career.

He won a Commonwealth flying scholarship taking him through to a Commonwealth Pilots Licence and eventually an instructor’s rating, enabling him to teach students to fly.

He instructed in Albury for a year or two before becoming the CFI (Chief Flying Instructor) of the Warrnambool Flying School.

Career opportunities in the airline industry in those years were few, he applied and was admitted into the Department of Civil Aviation (later Air Services Australia) as an Air Traffic Controller trainee.

After two years he commenced his journey through the positions as a Radar controller in the AACC and later as a tower controller at Tullamarine, Essendon and Moorabbin, spending thirty-four years in ATC, shift working around the clock in the main centre positions.

He retired in late 2004 at fifty-seven years of age, considered old for a Controller in those days.

One of his colleagues in ATC became interested in a two-seat homebuilt kit out of the US and eventually both had a workshop full of aluminium pieces that took some 6000 hours over eight years to produce two RV6 aircraft.

They later flew clockwise around mainland Australia (55 flight hours) and at a later date around Tasmania.

With his wife Cheryl he crossed the Nullarbor to Perth flying through the centre to Darwin and Broome.

Rob and his wife Cheryl joined the Donvale Bowls Club in 2005 enjoying the involvement and valuable friendships ever since.

How fortunate we are they chose Donvale, their warm friendly nature and disposition, endears them to all who share their company.

Rob McAnally