anningham The
We are looking for business owners who like to join the Find Manningham Network Group and Community Paper. • Accounting Services • Acupuncture • Architect • Architectural Interior Design • Attorney- Family • Auctions- Real Estate • Bookkeeper • Bowen Therapy • Builder- Commercial • Business Coach • Business Equipment Financing • Business Insurance • Cabinets • Caterer • Graphic Designer • Plasterer • Chinese Medicine • Chiropractor • Creative Director • Commercial Mortgage • Computer Repair • Computer Web Design • Concrete
• Copywriting/Copy Editing • Counselor/ Psychotherapist • Dentist • Digital Media • Electrical Operations • Electrician • Finance Bookeeper • Financial Planner • Fitness Trainer • Flooring • Pilates • Garage Doors • General Insurance • Health & Wellness Coach • Homeopathy • Lactation Consultant • Lawn Care • Lawyer • Life Coach • Loans • Marketing • Massage Therapist • Meditation/Yoga
• Mortgage Broker • Naturopathic Medicine • Nutrition • Osteopathy • Painter • Personal Trainer • Photographer • Plumber • Podiatrist • Printer • Project Management • Psychologist • Real Estate Rentals • Real Estate Sales • Reiki • Residential Cleaning • Residential Mortgage • Security • Signs • Solar • Solicitor • Travel Agent • Website Developer • Wedding Planner
COLUMNIST CONTRIBUTORS
CLUB SPONSORS
FOUNDER | ACCOUNTANT
Cricket Clubs
BOOKKEEPING
JODIE MOORE
CRAIG ANDERSON
MORTGAGE BROKER
FACILITATOR
LACTATION CONSULTANT
REECE DROSCHER
ERRYN LANGLEY
JOANNA STRYBOSCH
WARREN STRYBOSCH
Football Clubs
Netball Club
Golf Clubs
Soccer Club
GENERAL INSURANCE
Basketball Club
Bowls Club
Tennis Clubs
Looking for 8 clubs to join.
LEGAL
VIDEO PRODUCTION
DIGITAL MAKETING
DEAN BOSMAN
ALLISON GROOT
ETHAN STRYBOSCH
Find Manningham Network Members waiting for other people to join.
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www.findmanningham.com.au
About the Find Manningham By Warren Strybosch
The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.
We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local business owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing
and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findmanningham) so you keep up to date with what we are doing. We value your support, The Find Manningham Team.
anningham The
EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 warren@findnetwork.com.au PUBLISHER: Issuu Pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@manningham.com.au WEBSITE: www.findmanningham.com.au
OUR NEWSPAPER The Find Manningham was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.
ALL THINGS MANNINGHAM The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne. Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.
ACKNOWLEDGEMENT The Find Manningham acknowledge the Traditional Owners of the lands where Manningham now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.
DISCLAIMER Readers are advised that the Find Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.
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NEXT ISSUE Next Issue of the Find Manningham will be published on Friday December 8, 2023. Advertising and Editorial copy closes Monday November 30, 2023.
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NOVEMBER 2023 | FIND MANNINGHAM
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VCE Students - Wishing you all the best for 2023 Exams By Warren Strybosch
The Victorian Certificate of Education (VCE) is a pivotal and demanding stage in the educational journey of Australian high school students. The VCE Journey The VCE program is a two-year course typically undertaken in the final years of high school in the state of Victoria, Australia. It is a comprehensive, nationally recognized qualification that opens doors to higher education and future career opportunities. VCE students are confronted with an array of subjects and assessments, all leading up to a climactic final examination period at the end of Year 12. We would like to encourage all students in their exams, especially the Year 12 students who will be sitting their final exams before heading to university, TAFE or taking up job opportunities upon completion of their studies. We have put together some strategies to consider leading up to your exams and whilst you are sitting them: •
Effective Study Techniques: VCE students often adopt various study techniques, such as creating study
schedules, using flashcards, and seeking tutoring when needed. Effective study habits can make a significant difference in their academic performance. •
Time Management: Learning how to manage time effectively is key. VCE students often use planners, apps, or other tools to schedule study sessions, extracurricular activities, and relaxation time.
•
Seeking Support: When faced with academic or emotional challenges, it's essential for VCE students to reach out for help. This can be in the form of teachers, counselors, or peer support networks.
•
Balance and Self-Care: Maintaining a healthy balance between academics and self-care is crucial. Regular exercise, a well-balanced diet, and adequate sleep can help alleviate stress and improve mental health.
•
Goal Setting: Setting clear academic and personal goals can provide VCE
•
students with a sense of direction and motivation. These goals can help them stay focused and overcome obstacles.
The life of a VCE student is undoubtedly demanding, filled with academic pressures, time management challenges, and high expectations. However, it is also a transformative journey that equips students with valuable skills, resilience, and the ability to thrive under pressure. By adopting effective study techniques, seeking support when needed, and prioritising self-care, VCE students can navigate the challenges they face and emerge from the experience stronger and more prepared for the future. Just remember, that VCE is not the end and whatever marks you obtain does not define you as a person. The results you obtained are just a moment in time that will springboard you into your next stage of life. The Find Foundation and all the team across the Find Group of companies wish all VCE students the best in the last weeks of exams and coursework. NOVEMBER 2023 | FIND MANNINGHAM
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Truss maker fined $200,000
after fatal lift OCCUPATIONAL HEALTH & SAFETY By Mark Felton
As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them. WorkSafe Victoria recently reported that a timber truss manufacturer has been convicted and fined $200,000 for unsafe work practices following the death of a worker at a Point Cook construction site. Melbourne Truss Pty Ltd was sentenced in the Melbourne Magistrates' Court on Thursday 12th October after earlier pleading guilty to a single charge of failing to ensure a workplace under its control was safe and without risks to health. The company was also ordered to pay $11,234 in costs. In March 2020, Melbourne Truss workers were using a vehicle-mounted loading crane to unload prefabricated timber floor trusses onto a concrete slab within the framework of a townhouse under construction at the site. During the unloading, the crane operator was standing on the delivery truck tray, while his assistant was standing on the slab. The incident occurred when a bundle of trusses being lifted by the crane made contact with a steel structure that formed part of the townhouse framework, knocking it inwards and striking the assistant in the face. The worker fell backwards and struck his head on the concrete slab. He died at the scene. The court found it was reasonably practicable for Melbourne Truss to have reduced the risk to health and safety by ensuring people were in a safe location during the unloading process. WorkSafe Executive Director of Health and Safety Narelle Beer said the death was entirely preventable. "This tragedy is a stark reminder for every employer using cranes to ensure safety is the first
priority each and every time a load is lifted," Dr Beer said. "Cranes and lifting equipment are an essential part of the daily work for many industries but work involving cranes is high risk and must be treated with the utmost care and caution." To manage risks when using vehicle loading cranes, duty holders should: •
•
• •
•
•
•
Ensure the crane and lifting equipment selected is appropriate for the task, including the size and weight of the load. Prepare designated lifting areas to enable the crane to be set up as per the manufacturer's recommendations, and operated within its design parameters. Ensure the crane is operated from a safe location to prevent falls or the inadvertent operation the crane. Establish exclusion zones for lifting and landing areas and the load's travel path, taking into consideration any restricted areas and nearby incomplete or temporarily braced structures. Ensure the operator is appropriately trained and competent for the type of crane being used and, where required, holds the appropriate high risk work (HRW) licence. Where a crane operator does not have line of sight or the load is not visible at any stage and the operator. requires direction in the movement of the load, ensure a dogger is in place Provide workers with adequate personal protective equipment (PPE).Ensure safe systems of work are in place and adhered to, including a Safe Work Method Statement (SWMS) for any High Risk Construction Work (HRCW).
As a business owner, are you confident that you do not have shortfalls in your efforts to keep your workers healthy and safe? Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe? At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation. Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost-free initial discussion.
Mark Felton Occupational Health & Safety www.thebeaumontgroup.com.au
www.findmanningham.com.au
NOVEMBER 2023 | FIND MANNINGHAM
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Cholesterol – friend or foe? It is interesting that even though it is well established that fibre from fruit, vegetables, legumes and wholegrains reduce cholesterol, there is very little information promoting these foods to prevent high cholesterol. This should be the first place to start. Sugar and refined grains are well established to promote inflammation, as well as impair liver function, and since the liver is where cholesterol is synthesised, it’s role should not be overlooked. Choose natural sugars such as honey, coconut sugar, or natural maple syrup as an alternative, and swap white flour products for wholegrain.
NATUROPATH By Kathryn Messenger
Cholesterol plays a vital role in our bodies, serving as an essential part of our cell membranes and helping to regulate various bodily functions. It acts like a building material, providing structural integrity to cell walls and allowing them to function properly. Additionally, cholesterol is essential for the production of hormones like estrogen and testosterone, and fat-soluble vitamins like vitamin D, which control various bodily processes, including growth and reproduction. So, without cholesterol, our cells would not be able to maintain their integrity, and we wouldn't have the necessary hormones to keep our bodies functioning correctly. HDL (High-Density Lipoprotein) and LDL (Low-Density Lipoprotein) are two types of cholesterol carriers in your bloodstream, each with distinct roles, and are seen as the following. HDL cholesterol is often called the "good" cholesterol. HDL molecules pick up excess cholesterol from the walls of your blood vessels and transport it back to your liver. There, the liver can process and remove this cholesterol from your body. This process helps prevent the buildup of
cholesterol in your arteries and reduces the risk of heart disease. Conversely, LDL cholesterol has been seen as the "bad" cholesterol. LDL carries cholesterol from your liver to various cells throughout your body. Atherosclerosis is the narrowing and hardening of the arterial walls with the buildup of plaque, this can increase the risk of heart issues and cardiovascular disease. Higher levels of LDL cholesterol are found with atherosclerosis. But too often only the total cholesterol is examined in a blood test, whereas the ratio between the HDL and LDL cholesterol is much more accurate in determining disease. Another thing to note is the use of statin drugs for treating high cholesterol. The ‘numbers needed to treat’ is the part of the statistics around how many people need to take the drug for just one person to see a benefit, but when you add to that the number of people that take the drug and experience side effects, the statistics get even worse. For every 10 000 people on statin medication, 19 heart attacks, 9 strokes, and 8 deaths are prevented, yet 15 muscle symptoms, 8 liver events, 12 kidney events, and 14 eye conditions are developed. Fortunately, there are natural ways to improve your blood lipids and cholesterol ratio.
People are often encouraged to reduce the intake of dietary cholesterol despite many studies showing that high levels saturated fats have a greater effect on cholesterol levels than dietary cholesterol itself. In general, our western diets are high in omega 6 fatty acids and low in omega 3 fatty acids. For this reason, fish oil has a great effect on cardiovascular risk, and blood lipids in general. Along with dietary fibre and oily fish, garlic, ginger and turmeric have all been shown to regulate blood lipid levels, and there are some lovely herbs such as globe artichoke and gymnema.
At Whole Naturopathy we can treat an imbalance in the HDL:LDL, and provide dietary, nutritional supplement and herbal medicine to improve your cardiovascular health.
Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria
This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.
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Elmedia Marketing: Empowering Maroondah
Businesses with Free Facebook MARKETING SUPPORT
DIGITAL MARKETING By Ethan Strybosch
At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we're thrilled to introduce an exciting opportunity for businesses in Maroondah. We're extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape. No Strings Attached You might be wondering, "What's the catch?" Well, we're here to tell you there isn't one! Our mission is simple: to empower Maroondah businesses. We're offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook—meaning you only pay for the actual ads themselves. Why We're Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the everevolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively.
Additionally, we're eager to gather feedback on our services. We invite you to share your experiences and leavea review if you feel it's worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community.
Don't let this golden opportunity slip through your fingers. Seize the chance to boost your business's online visibility andreach a wider audience. We're eager to extend our expertise to help you navigate the world of Facebook advertising.
What's in Store for Your Business
As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Maroondah community.
When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals. The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend. Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you're a local business in Maroondah, simply reach out to us to express your interest or ask any questions about the program. We'll carefully assess your business's unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we're excited to showcase our capabilities.
Join Us in Empowering Maroondah Businesses
Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business's online advertising game. Together, we can build a stronger, more prosperous local business community in Maroondah. Let's make waves in the digital world and support the businesses that make our community great. Feel free to contact us via email at: info@elmedia.com.au or via our Contact Us page at Elmedia.com.au
Ethan Strybosch Co-Founder
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www.findmanningham.com.au findmaroondah.com.au
Employers Responsibility – Staff Working From Home
GENERAL INSURANCE By Craig Anderson
Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”. If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords
everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home. The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.
If this is a situation currently causing you concern, and you’d like to explore. Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion. Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”. For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).
Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096
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Labor Government moves forward with plans
to increase taxes on your superannuation ACCOUNTANT By Warren Strybosch
In the next 10 years we are going to see one of the biggest transfers of intergeneration wealth the world has ever seen, and the government knows it. The government needs more funds and even though the Labor government promised no new taxes, they have backflipped and have introduced several new taxes on the Australian people during their current term in office. With interest rates continuing to rise and new taxes being introduced, no wonder ordinary Aussies are starting to feel the pinch in their back pockets. To make matters worse, the Australian Government knows that when people receive their inheritance, the likely place to put some, if not all, of those funds, once the mortgage has been paid off, is into superannuation. It won’t just affect those who have superannuation balances, but pension accounts will be included in the calculations. With inheritances and spouses receiving reversionary beneficiary pension payments, we are likely to see Australians ending up with large super/pension balances. Knowing this might be the case, the Labor Government is introducing a new tax known as ‘Division 296’ tax, with the hope to bring in additional income into their coffers in coming years. In February 2023 the government announced plans to introduce an additional tax on individuals with superannuation balances exceeding $3,000,000. In February 2023 the government announced plans to introduce an additional tax on individuals with superannuation balances exceeding $3,000,000. Draft legislation was released for public consultation on 3 October 2023. The consultation period ended on 18 October 2023. The draft legislation, to take effect from 1 July 2025 if successfully passed into law, will see a portion of a person’s total superannuation balance that exceeds $3,000,000 taxed at 15%. This tax is additional to tax already
paid by a superannuation fund on investment earnings and capital gains. The draft legislation does not depart in methodology from that announced in February 2023. The proposed tax is to be applied to the growth in a person’s total superannuation balance rather than the actual investment earnings achieved on their superannuation account. It will apply to both accumulation and pension interests. Some Division
key 296
insights tax
into include:
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The tax does not prevent people from having a total superannuation balance of more than $3,000,000.
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There is no provision for the $3,000,000 threshold to be indexed meaning that, over time, more people will be affected by it.
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Division 296 tax is levied on the individual member rather than on their superannuation fund. They may pay the tax personally or have it released from superannuation.
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For defined benefit interests, Division 296 tax may be deferred.
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As the tax is calculated on the growth in a person’s tota l superannuation balance over $3,000,000, it will apply to unrealised capital gains. This is a real concern for many SMSF trustees, especially those holding property.
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The outstanding balance of a limited recourse borrowing arrangement will not be added back for Division 296 purposes, as is the case for other applications of the total superannuation balance. Negative growth in a person’s total superannuation balance can be carried forward and be offset against future growth.
Importantly, Division 296 tax is not a tax on superannuation fund earnings. Rather it is a tax on that portion of a person’s total superannuation balance that exceeds $3,000,000. Should clients with more than $3,000,000 be taking steps now to reduce their balance to avoid being caught up under the proposed new tax? Division 296 tax is not due to be introduced until the 2025-26 financial year. This will be conditional on the successful passage of the legislation. At this point, clients should not be actively reducing their superannuation balance simply due to the proposed introduction of Division 296 tax. However, if a person is intending to reduce their superannuation for other purposes, such as gifting to family members, settling family court property settlements, or investing funds outside the superannuation environment, those strategies should continue to be implemented. We expect the legislation will be tabled in the parliament shortly and for the legislative process to commence. Many accountants and other interested parties are against the introduction of this new tax but it looks like the Labor Government is determined to bring this new tax and other taxes to pass. We will continue developments.
to
monitor
Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au Important Information This information is of a general nature only. It does not take into account
your
particular
financial
needs,
circumstances
and
objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You
•
The tax will not be applied to child pensions, members who die during a financial year, and to people that receive structured settlements that are contributed to superannuation.
should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.
www.findmanningham.com.au
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Work-Bonus Boost to Encourage Pensioners to go back to Work FINANCIAL PLANNER By Erryn Langley
Work Bonus The $4,000 one-off boost to pensioner’s work bonus income bank will become a permanent fixture from 1 January 2024.
The Work Bonus is a program in Australia designed to help pensioners, specifically Age Pension recipients, increase their income without affecting their pension payments. The Work Bonus allows pensioners to earn a certain amount of money through employment or self-employment before their pension payments are reduced. The Work Bonus was introduced to encourage older Australians to remain in the workforce or to work part-time without worrying about losing their pension entitlements. Here are some key points about the Work Bonus:
How does this impact the amount you can earn?
1.
Eligibility: The Work Bonus is primarily available to recipients of the Age Pension, which is a means-tested government payment for older Australians. Other pension types, such as the Disability Support Pension or Carer Payment, are not eligible for the Work Bonus.
Additionally, existing and new pensioners will retain the current increased maximum Work Bonus income bank limit of $11,800 rather than $7,800.
Income Threshold: Under the Work Bonus, pensioners can earn up to a certain amount of money before it affects their pension payments. Normally, the income threshold would be $300 per fortnight. This means that pensioners can earn up to $300 in employment income without any impact on their pension. However, with the introduction of the one-off booster payment, the Work Bonus Income bank will increase, and pensioners will be able to earn more each year (more information below).
The employment nil rate period will increase from 6 fortnights to 12 fortnights with eligibility expanding to those entering fulltime employment from 1 July 2024.
2.
3.
4.
5.
6.
Unused Amounts: If pensioners do not use their full Work Bonus amount in one fortnight (up to $300), the unused portion can be accrued and used in subsequent periods. This can be especially beneficial for those with irregular or seasonal employment. Impact on Pension Payments: If a pensioner's employment income exceeds the $300 per fortnight threshold, their pension payments are reduced by 50 cents for every dollar earned above this threshold. Reporting Requirements: Pensioners are required to report their employment income to the Department of Human Services (now known as Services Australia) so that their pension can be correctly calculated. Eligibility Age: The Work Bonus is available to Age Pension recipients who have reached Age Pension age; currently age 67.
With the current employment shortfall, the Government has announced two measures to encourage those currently receiving income support to return to work or increase their working hours. The changes, pending the passage of legislation, are as following:
New pension recipients (of Age Pension age) and eligible Veterans will have a starting Work Bonus income bank of $4,000 instead of the current $0. From day one of qualifying for a pension, clients can earn employment income of $4,000 in addition to the $300 per fortnight already available, before this employment income begins to count towards the income test.
Employment nil rate period
A nil payment period starts when you report employment income over a certain amount, and it reduces your income support payment to $0. This includes your partner's employment income. Usually, a nil payment period can be up to 6 fortnights in a row, but this will increase to 12 fortnights, meaning you are less likely to lose your pension payments if you decide to earn a certain income, which results in a nil pension payment, with in a given 12-week period. During this period, even though the pension or allowance is not payable, the client is considered to be still receiving a benefit for the purposes of qualifying for additional support such as child care subsidy and concession cards. If the client’s income reduces sufficiently to once again receive a pension or allowance during the employment nil rate period, they will have their benefit reinstated without the need to re-apply. 1300 557 144 | erryn@findwealth.com.au
Erryn Langley
www.findwealth.com.au
Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/ Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
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Should you pay a RAD or a DAP when entering Aged Care?
AGED CARE By Warren Strybosch
When entering residential aged care in Australia, you typically have the option to pay for your accommodation through a Refundable Accommodation Deposit (RAD) or a Daily Accommodation Payment (DAP). The choice between the two payment methods depends on your financial situation and preferences. Here's a brief overview of each option: 1.
Refundable Accommodation Deposit (RAD):
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The RAD is a lump sum payment made to the aged care facility.
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It is a refundable deposit, which means that when you leave the facility (e.g., if you pass away or no longer need residential care), the RAD is refunded to you or your estate.
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The amount of the RAD is agreed upon between you and the aged care provider and can vary significantly depending on the facility, its location, and the quality of accommodation.
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The RAD doesn't affect your ongoing aged care fees, which are determined based on your income and assets.
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Interest on the RAD is paid to you or deducted from your daily care fees. The interest rate is determined by the government.
2.
Daily Accommodation Payment (DAP):
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The DAP is an ongoing daily payment for your accommodation.
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It is calculated as a proportion of the RAD (e.g., the equivalent of the RAD divided by 365 days) and is paid on a daily basis.
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circumstances and preferences. Some factors to consider when making this decision include: •
Your financial resources: If you have the financial means to pay a lump sum RAD without impacting your quality of life or financial security, this option may be suitable for you.
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Cash flow: If you prefer to keep your money invested and maintain your cash flow, a DAP may be more appropriate, as it spreads the cost over time.
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Estate planning: If you want to preserve your assets for your estate or beneficiaries, a RAD may be the better choice because it is refundable upon departure.
The DAP is not refundable; it is an ongoing expense for as long as you reside in the aged care facility. Like the RAD, the amount of the DAP can vary based on the facility and the agreed-upon RAD.
The choice between paying a RAD or a DAP often depends on your financial
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Negotiation with the facility: You can negotiate the RAD amount with the aged care provider, so it's advisable to discuss your options with them and consider your financial situation carefully.
However, one must be careful if they agree to pay a RAD and then don’t have the funds. You have 30 days from entering aged care accommodation to decide how you want to make your payment. If you choose to pay a lump sum (the RAD) you then have 6 months to pay the money to your provider. If after the 6-month period, you cannot afford to pay the RAD, the provider can either proceed to sue you for not meetingyour contractual obligations or they can remove your loved ones from the premises for non-payment. It is better to agree to pay the DAP even if you believe you have enough funds to pay the RAD. Whilst paying the DAP, at any time you can make contributions to the RAD, which will then reduce the DAP payments. Regardless, of which decision you make, it is essential to consult with a financial advisor to determine the best payment option for your specific circumstances. Additionally, you should understand how your choice will impact your aged care fees and your overall financial situation, including any government benefits or subsidies you may be eligible for.
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Manningham
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Roads to Pound Bend Reserve closed during extreme and catastrophic fire danger rated days especially difficult for emergency services and visitors to get in and out. By making this change we are working together to protect our community and visitors to the area.” A Fire Danger Rating tells you how dangerous a fire would be if one started. The higher the rating, the more dangerous the conditions. Parks Victoria’s advice is to avoid High Risk Areas, on High-Risk Days. Extreme and catastrophic fire danger ratings are expected to occur between two and 10 times each year. Please visit Council’s website for further information\: www.manningham.vic.gov.au/news/ warrandyte-state-park-fire-danger-roadclosures Where can I see the Fire Danger Rating for Warrandyte? To ensure the safety of locals and visitors, roads to Pound Bend Reserve (Warrandyte State Park) will be closed on days of extreme and catastrophic fire danger ratings. On extreme days Parks Victoria closes Pound Bend Reserve, Jumping Creek Reserve, Koornong Reserve and Norman Reserve. On Catastrophic days, Parks Victoria closes the entire Warrandyte State Park. To support these safety measures, on extreme and catastrophic fire danger days a soft closure will be in place for access roads to Pound Bend, including Taroona Avenue, Everard Drive and Pound Bend Road. Parking will also be unavailable at 90 to 92 Pound Road during these times. This means Council will place temporary signage on the roads to indicate they are closed in the most visible way possible and issue parking fines to motorists parking illegally. Local residents and their visitors will be able to use the roads at all times to access their properties. The decision to close the roads was made by the Manningham Municipal Fire Management Planning
Committee, the peak planning body for fire management in Manningham. The Committee includes representatives from Manningham Council,Victoria Police, Forest Fire Management Victoria, Country Fire Authority, Fire and Rescue Victoria. Manningham Council Mayor, Councillor Deirdre Diamante, said this is one way the Committee had worked together to reduce the risks and consequences of a fire igniting in Warrandyte State Park. “Visitors share our love of Warrandyte State Park. Pound Bend in particular, has become an increasingly popular place to cool down on hot days. Unfortunately, this popularity has posed safety risks during fire season. “Having a large volume of cars parked along the narrow roads and near the fire track access gate, has made it
Warrandyte falls within the Central Fire District. You can see the Fire Danger Rating for Central Fire District through a number of sources: •
Roadside automated and manual signage in Warrandyte
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By download the Vic Emergency App By phoning the VicEmergency Hotline on 1800 226 226
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On the CFA Website: cfa.vic.gov.au/ warnings-restrictions/total-fire-bansfire-danger-ratings
Council News November 2023
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Safeguarding wildlife corridors Spring can be a challenging time of year for native wildlife as they adapt to the changing environment and enter the breeding season. Manningham is home to a diverse array of native wildlife, now emerging from their winter hideouts. To help protect its suburban native fauna, Manningham Council has installed eight new canopy bridges as part of upgrade works along Jumping Creek Road, Wonga Park and Brysons Road, Warrandyte South. They will provide safer arboreal pathways for native wildlife to move around local habitats. Manningham Mayor, Diamante, said that
Cr Deirdre many local
native animals were more active around roads during the breeding season, increasing risk of injury. “These canopy bridges encourage our native fauna to make safer road crossings, by connecting suitable habitat on both sides of roads,” she said.
most
active,”
Cr
Diamante
added.
This initiative supports Manningham Council’s commitment to preserving and strengthening local biodiversity and bushland as stated in its Climate Emergency Response Plan.
“On the first night, wildlife cameras captured a Brush-tailed Phascogale using one of the new canopy bridges. This was a great outcome, demonstrating that they will provide successful pathways and protect our native fauna, now and into the future. “We also ask people to slow down on our roads, especially at dawn and dusk when our wildlife is
Brush-tailed Phascogale canopy bridge.
using
the
Recycle right during National Recycling Week
National Recycling Week (13 to 19 November) is an opportunity for the community to get involved in local events and discover ways to recycle, reduce and reuse items. Running since 1996, and established by Planet Ark, National Recycling Week is about empowering the community to recycle with confidence. To celebrate National Recycling Week, Manningham Council has a variety of community sessions
and
events
on
offer
including:
Pop-up stand at the Pines Shopping Centre all week where friendly staff can answer any questions and dispel any recycling myths. • Waste question and answer online session on Wednesday 15 November (registrations essential). Manningham Council Director City Services, Rachelle Quattrocchi said we know our residents are committed to recycling. However, we are still seeing approximately 7.5
per cent recyclables that end up in the average red lid garbage bin. “This means valuable resources are ending up in landfill. During National Recycling Week there are lots of resources available to refresh your recycling skills,” she added. Recycling reduces our environmental impact and supports the goals in our Manningham Climate Emergency Response Plan. Find out about National Recycling Week. NOVEMBER 2023 | FIND MANNINGHAM
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Manningham welcomes new Mayor and Deputy “You are approachable and easy to work with. You have a really strong sense of getting the job done and we will do everything we possibly can to make this one of the greatest years of your life!” Cr Lange said she was blown away by the support of family, friends and community, and committed to her fellow Councillors priorities of governing with diligence, transparency, inclusivity and efficiency. Cr Lange added that she would serve with open-mindedness and empathy while upholding the organisation’s values and achieving the growing community’s priorities through the Council Plan. “We are lucky to live in this city, where we value sustainable, healthy living, a sense of belonging and respect for one another,” Cr Lange said. “Let’s enjoy this year together; let’s bring out the best in each other and let’s work with all levels of government to bring about the best outcomes for our community. “Let’s provide a solid foundation, ensure efficiency and stability. Let me work with you as your Mayor for we are Manningham!” The Councillors and Mr Day thanked outgoing Mayor, Cr Deirdre Diamante for her valued contribution and leadership over the past year.
The Manningham community has welcomed a new Mayor - Warrandyte resident, school teacher and mother of three, Councillor Carli Lange. The Yarra Ward Councillor was unanimously elected to the position by her peers at last night’s Annual Meeting (2 November 2023). Cr Lange is a passionate advocate for the local community with her fellow councillors praising her for her energy, impartiality, empathy and work ethic. Cr Lange will be supported in her new role by Deputy Mayor, Cr Laura Mayne who was also elected unanimously last night. Cr L Mayne congratulated Cr Lange and said the new Mayor was truly deserving of the role as a compassionate, community-oriented leader, deeply connected to her community.
“Manningham is so lucky to have someone leading them with a heart as big as Cr Lange,” Cr Mayne said. This sentiment was echoed by outgoing Mayor Cr Deirdre Diamante. “I know you will be a wonderful Mayor. You have a really strong spine and warm heart and that’s what we need in a Mayor.
Cr Diamante lead with poise and passion. Among her many achievements during the Mayoral term, Cr Diamante worked tirelessly to raise awareness and advocate for people living with dementia, her dedication resulting in Manningham’s first dementia-friendly cafe. Cr Diamante’s term also saw the roll out of the Food Organics Garden Organics (FOGO) and community bus services.
Manningham Council CEO, Andrew Day congratulated Cr Lange on behalf of the organisation.
Cr Diamante said it had been an honour to serve as Mayor in the city where she grew up and that she had enjoyed building relationships with community members from all walks of life. Cr Diamante said she particularly enjoyed one-on-one meetings with residents and welcoming 1400 new citizens to Manningham.
“We will wrap our arms around you and have no doubt you will be up to the challenge,” Mr Day said.
“We’ve done a lot of work this year Councillors and we’ve achieved all of this together.”
“I’m sure your school students will be extremely proud and what an amazing example of a leader you are for them.”
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Share A Day with Your Faves in Manningham for your chance to win
Shop, eat and play in Manningham! Help create the ultimate itinerary for your chance to win a $500 gift card with A Day with Your Faves.
For those who do not use Instagram, there is an online entry form available on the Find Your Local website, manningham. vic.gov.au/find-your-local.
This Instagram-based competition invites locals and visitors to share pictures or videos of their favourite things to do or places to visit in Manningham – with their favourite people (or pets!).
All eligible entries submitted during the campaign period from Monday 30 October 2023 to Friday 2 February 2024 will go into the draw to win one of three Find Your Local EFTPOS gift cards, valued at $500 each.
This is the second competition in the FindYour Local Manningham campaign series, following 30 Faves in 30 Days in March. Manningham’s newly elected Mayor, Cr Carli Lange said, “It’s great to see another great campaign designed to share and celebrate the many unique products,services,food experiences and outdoor adventures that are all here in Manningham”. “A Day with Your Faves is a great way for locals and visitors to show us what they love to do in Manningham and, where possible, support our hardworking businesses by buying local,” Mayor Lange said. picture or reel of a business or place in Manningham, and tag and follow @findyourlocalmanningham.
“Manningham businesses are also encouraged to get involved by telling their customers about this campaign. By working together, we invest in the future of Manningham,” Mayor Lange added. •
If you are a local business and want to find out more, contact business@manningham.vic.gov.au.
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To keep up to date or check out Find Your Local, visit @findyourlocalmanningham on Instagram.
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To enter online or for further information and full terms and conditions, go to manningham.vic.gov.au/findyourlocal NOVEMBER 2023 | FIND MANNINGHAM
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SPORTS
“Characters” Photo
by : Ro
ss Taylo
r
John Chandler
By Rob “Stormy” Fairweather
Donvale Bowls Club is indeed indebted and beholden to many of our beloved characters which define and distinguish it. One such character at Donvale is John Chandler A brief insight into John’s working life, his eventual involvement at Donvale Bowls Club, and the experiences it has provided. He was born in 1943 at Canterbury Vic. Modestly, John believes he was extremely fortunate, during all his schooling he was educated at Camberwell Grammar School. In 1959 at 16 years of age he secured a position with a company named EMAIL Ltd who became Australia’s largest White Goods Manufacturer, brands such as Kelvinator, Simpson, Chef, Dishlex and Hoover. Following study at night school in 1969 he was appointed State Credit Manager for Victoria and Tasmania. 1969 was to become exciting year in John’s
an life.
He employed a young girl by the name of Kay Allen, his first impression, “pretty, but talked a lot”. Later that year an office romance started, John endeavouring to keep the relationship a secret, unsuccessfully. He became upset that many other members of the staff (all males) paid far too much attention to Kay. He felt this had to stop, some say jealously, but his claim, “in the interest of the company”, decided he would have to fire her. Interestingly, the romance continued, flourished, and in 1970 they married. They welcomed a daughter Susan in 1972 and a son Brett in 1975. John remained at EMAIL Ltd for a record 48 years in the same position, accepting a redundancy package in 2016, refusing to be relocated to NSW. In 1996 son Brett was drafted to the Fitzroy Football Club playing
26 games for the club, last game for Fitzroy in Fremantle. The following year North Melbourne drafted him and he played a further 51 games until a broken leg, twice in one year, ended his career. According to John,the cementing persuader was “Stormy’s” letter box drop in October 2018 which found he and Kay joining Donvale Bowls Club. And what a “windfall’ to our club they have been. So ready and generous with their time and involvement in so many vital activities at Donvale. Coaching / Wednesday Twilight / Non Pennant and Social Bowls / Numerous Sub Committees, in addition, any projects that need addressing or require their assistance. Our sincere thanks John and Kay, long may you prosper!
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