Find Maroondah - April 2022 Edition

Maroondah The

APRIL 2022

WHAT’S INSIDE: 04

LOCAL STORIES

06

COLUMNIST ARTICLES

30

TAX UPDATES

35

REAL ESTATE - RENTAL LISTINGS

47

MAROONDAH COUNCIL NEWS

67

FIND FAITH

71

FIND BIRTH, DEATHS, & MARRIAGES

72

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH See full article on Page 04

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

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WARREN STRYBOSCH

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ARCHITECT

NEHA NAYYAR

SIGNAGES

GLENN MARTIN

HERITAGE & HISTORY

KATHY ISMAIL

COMMERCIAL COFFEE MACHINE HIRE

IVANA SMITH

HEATHERDALE COMMUNITY ACTION GROUP

GENERAL INSURANCE

CRAIG ANDERSON

MORTGAGE BROKER

REECE DROSCHER

OCCUPATIONAL HEALTH & SAFETY

EDITOR | WRITER

SUSAN PIEROTTI

LACTATION CONSULTANT

JOANNA STRYBOSCH

NATURE & CONSERVATION

MARK FELTON

LIZ SANZARO

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About the Find Maroondah

By Warren Strybosch

The Find Maroondah is a community paper that aims to support all things Maroondah. 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 Maroondah 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/findmaroondah) so you keep up to date with what we are doing.

We value your support, The Find Maroondah Team.

Maroondah The

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

OUR NEWSPAPER The Find Maroondah was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, 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 Maroondah has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MAROONDAH

The City of Maroondah is a local government area in Victoria, Australia in the eastern suburbs of Melbourne.

Maroondah had a population of approximately 118,000 as at the 2019 Report which includes 9000 business and close to 46,000 households. The City of Maroondah was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

ACKNOWLEDGEMENT The Find Maroondah acknowledge the Traditional Owners of the lands where Maroondah 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.

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Readers are advised that the Find Maroondah 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.

Next Issue of the Find Maroondah will be published on Friday May 7, 2022. Advertising and Editorial copy closes Friday April 29, 2022.

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ASIC - Influencers providing money advice have been warned Warren Strybosch

Friends/family

35% 22%

News/media

Financial adviser

18%

Other

10%

9%

Other financial Professional

Social media

6%

Source: ARdata consumer survey 2022

Who do you get your money or finance advice from? For many people they rely on their friends and family. For others, it is their professional advisor. In the past their professional advisor was the accountant but now that accountants can longer provide financial advice anymore, more people are turning to licenced financial planners. However, there is a growing number of people who do not seek professional advice but rather put their faith and trust into financial influencers or ‘fin-influencers’.

more likely to be providing financial product advice because it indicates an intention to influence the audience,” the information sheet warned. ASIC commissioner Cathie Armour said the way investors access information is changing.

With a recent survey conducted by the Australian Securities and Investments Commission (ASIC), they found that over 33 cent of 18 to 21 year-olds are following someone a fin influencer on social media to obtain money advice.

ASIC has become concerned about these influencers that they have released a paper INFO 269 warning social media influencers of the substantial risks and penalties they face if they promote financial products and services online.

“ASIC monitors select online financial discussion by influencers who feature or promote financial products for misleading or deceptive representations or unlicensed advice or dealing. If we see harm occurring, we will take action to enforce the law.”

The information sheet warns that anyone discussing financial products and services online or promoting affiliate links must understand their legal obligations, including whether they are providing financial product advice or arranging for followers to deal in a financial product.

“Make sure your content is accurate and balanced. If your online post is misleading, you may be breaking the law.”

ASIC stated that influencers can share factual information but if that information is presented in a way that conveys a recommendation that someone should or should not invest in a product or a class of products, then this may be a breach of law.

“If you’re an influencer who receives benefits or payment for your comments in relation to financial products, you’re

“It is crucial that influencers who discuss financial products and services online comply with the financial services laws. If they don’t, they risk substantial penalties and put investors at risk,” said Ms Armour.

Dr Angel Zhong – who is a senior lecturer in finance in the school of economics, finance and marketing at RMIT University - applauded the move by ASIC, after recent research by the university found that financial information consumed online influenced investment decisions.

“Unverified investment advice is no different to fake news, which is frequently flagged by social media platforms that urge viewers to read with caution,” Dr Zhong said.

“Newbie investors are particularly susceptible to receiving dodgy financial advice, as the internet replaces traditional outlets like accredited financial advisers.

As one of Australia’s most popular fin influencers, better known as the Bare Foot Investor, we emailed Mr Scott Pape, seeking his response to INFO 269. We asked him to comment on his audio books which direct clients to use certain industry funds and personal insurances within those industry funds. Lastly, we asked him if he would be making it clear that he is no longer able to provide

financial planning advice since giving up is Australian Financial Services Licence back in 2020. As of writing this article, we have had no response from Mr Pape.

As a side note, we acknowledge that the financial planning world has changed a lot over the past few years, and it is hard to keep abreast of these changes.

We would encourage Scott to review his material in his books before releasing the next edition. For instance, he may not be aware that most industry fund insurers have changed their Total and Permanent Disability terms about five years ago and now have made it very hard for anyone to get a claim paid under their ‘any’ occupation definition. Also, professionals should consider an ‘own’ occupation definition which cannot be offered by industry funds. Pricing is another factor.

Often it is cheaper in the long term to take up personal insurances with a retail insurer whilst still paying the premiums from their industry fund as a rollover.

Given industry funds don’t offer level premiums, for young people, having a level premium policy can save them thousands of dollars in the long term compared to stepped policies.

Whilst Financial Services Minister Jane Hume last year compared the influencers to “taxi drivers…giving stock tips”, ASIC has taken a dimmer view. Last month, the corporate watchdog updated its guidance and warned unlicensed influencers could face up to five years in prison or significant fines for breaking financial services laws.

ASIC, in the past, have made bold statements and often their bark has been bigger than their bite. It will be interesting to see if ASIC will follow up on INFO 269 as undoubtedly, fin influencers, will continue to provide comments that may be construed as providing ‘money’ advice that they consider is not always in the best interest of consumers.

APRIL 2022 | FIND MAROONDAH

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Influencers in firing line – this time with Therapeutic Goods Administration (TGA) Warren Strybosch

Many people want to become an influencer because of the money they can bring in from incentivised testimonials promoting health care products and the like.

However, the TGA have made revisions to the Code which specifically deals with social media influencers. The new rules prohibit paid or incentivised testimonials by influencers in relation to any and all health products within Australia.

The TGA have stated that influences can no longer be paid for posts related to sunscreen, protein powder, vitamins, supplements, medicines, skin-lightening products, and ‘acne skincare.’

Many people believe the ban or restrictions placed on influencers, be in influencers providing ‘money’ advice (read our other article in this month’s edition related to fin influencers) or those selling health products, can only be a good thing as it will combat misinformation which has become a big concern for regulatory bodies.

Some people have spoken out against the bans believing it will have a negative impact on their lives; namely LGBTQIA+ and female social media influencers.

However, most people believe combating misinformation is more important than some people making a lot of money from promoting products

that they likely don’t care about and/ or don’t believe in. Some people have gone so far as to state that influencers should go and “get a real job”; believing influencers have become famous for all the wrong reasons.

To clarify these new rules brought out this year, the TGA stated that “companies can continue to connect with influencers for the purpose of product promotion”. However, an influencer cannot, whether direct or inferred, provide any type of personal endorsement of health products. They can work with a business but cannot express their personal opinions about the business or the products they sell.

As such, an influencer can be seen holding a product but cannot comment on it or provide a personal testimonial anywhere; be it their own websites, print material, and social media.

According to the TGA, this step will result in greater transparency regarding product reviews and suggestions on social media. Testimonials can be overly persuasive to a sensitive audience looking for products to help with their health and, in some cases, really significant health concerns. The new Code assures that endorsements are as

neutral as feasible and are not swayed by business interests or personal benefit. For the TGA, since the inception of social media, misinformation has been a major concern. Some products have been endorsed that were either fraudulent in their claims or, worse case, led to deaths. The TGA wants consumers to have confidence that any testimonial is free from influence or bias and that the products they purchase have information supplied that is true and correct to label.

The TGA has gone so far as to require influencers to delete past posts in relation to certain products e.g., sunscreen, if those posts were incentivised in any way.

Influencers have been a key sales strategy for many well-known brands and these changes are likely to impact sales in the short term as the grapple with the new codes now in play.

For influencers, they may need to look elsewhere to secure their fortunes. Given the pharmaceutical industry as always been a lucrative one to be a part of the new rules are sure to hurt some influencers bottom line going forward.

Unfortunately, we don’t believe there will be any Change.org campaigns or the like to help their cause.

View Program

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Flow and consistency – keys getting your message across ACCREDITED EDITOR

By Susan Pierotti

Have you ever had a brilliant spark of inspiration when you’re writing? That magic moment when the words flow effortlessly, ideas cascading over the page?

But when is a good idea not a good idea? When it isn’t relevant to your main message.

Flow In marketing, it’s tempting to want to advertise every new product you have, or your latest specials. However, if you are letting your customers know that you have shifted premises, the product and sales information will be distracting.

Customers are far more keen to know about products and sales than new addresses so you may lose customers when they can’t find you. Even though you let them know, they won’t have noted the new address while they were drooling over your new product lines.

‘But this bit is important. It’s the best thing I’ve ever written!’ You may be right, but does your reader agree? There’s a phrase in editing circles – ‘kill your darlings’. The best bits are often the ones that need to be cut out.

Like this image of a shopping centre floor.

The tiler may have laid the floor with the best quality tiles, but the eye is swung from one side of the floor to the other instead of being drawn in one continuous line to the end of the mall. The tiler may have been laid each tile absolutely flat so no one would trip over them but his or her efforts won’t be appreciated if everyone walking on the floor feels giddy!

Your writing should aim for continuity for the reader to be able to understand your full message. To get your reader to the end of what you’ve written, with a clear understanding of the purpose of what

you want to say, delete everything – that means everything! – that detracts from that. As in the example above, you can save another brilliant piece of writing to describe your new products, and another, even more brilliant piece of writing about your upcoming sales!

Consistency The human brain likes working in patterns – it saves itself time and energy by doing so. Hence, when something doesn't fit the pattern, it jars. The brain stops whatever it was doing (reading, calculating, memorising) and says, 'Hang on, what's wrong here?' It finds it very difficult to move on until it has figured out what is wrong.

This is what happens at the subconscious level. That might not seem important when you're writing your marketing material, your book or your memoirs.

But consider the reader. While reading, they are not aware that their brains are correcting all those inconsistencies. All they know is that they aren't as engaged as when they began to read what you wrote. Common symptoms are that they feel tired, they can't concentrate, they suddenly get inspired to do the housework (an extreme symptom). And they stop reading – exactly what you don't want them to do!

get confused.

A piece of writing needs to be consistent from start to finish. Ideas change as we continue writing; our spelling, formatting and way of expression in the beginning may be quite different by the end. Review your whole piece of writing before you push 'post' or send it to the printer, publisher or online. Better still, compile a style guide before you begin. This is a chart listed alphabetically of your preferred options of possible variations, such as dates (as above).

Best of all, hire an editor. We're trained to look for inconsistencies so that you don't have to.

Feel free to contact me at susan@ creativetext.com.au for further assistance.

Here’s an example of a lack of consistency that jars. The printer of this series of videos didn't check the layout of the whole series – oops! Doesn’t look good, does it?

In writing, examples can include variations on spelling: do you write 'focused' or 'focussed'; 1st or first; 2 October, 2nd October or October 2? All are valid options but if you interchange them in the one brochure, document, book, series etc, your reader's brain will

Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au

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APRIL 2022 | FIND MAROONDAH

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SAVE GREENWOOD PARK

By Cynthia Watson

Greenwood Park will be used as a construction area for materials and equipment until projection completion in 2025 by the Level Crossing Removal Authority (LXRA) – Bedford Road. The loss of this important community green space will be enormous! The decision to use Greenwood Park Oval was made by the LXRA without consulting Maroondah Councillors or community groups, and against Maroondah Council officer’s recommendation.

Traffic Greenwood Park is 1.2 km from the LXRA site on Bedford Road.

Materials and heavy machinery will be moving between the two sites several times a day during construction. Bedford Road is already very congested and carries 13,500 car trips daily. This will have a high impact on traffic congestion in the area.

Children 1.

2.

3.

Noise will increase and disrupt learning at the Greenwood Park Kindergarten and Our Lady of Perpetual Help Primary School.

Dust and diesel exhaust from heavy machinery will impact the respiratory health of children.

Families with children will lose important play space with the demolition of the Greenwood Park Playground and oval.

Sporting Clubs Local Sport – Greenwood Park Oval is used by the Ringwood Football Club and the Ringwood Cricket club for team training. The loss of this valuable and important training space for the next three years will have a big impact on these local clubs.

Dog Walkers Greenwood Park is a dog off-lead area and will impact our four legged friends and their families.

A Community Meeting will be held on Wednesday April 6 at 7pm at the Football Pavilion at Jubilee Park to Save Greenwood Park. All Welcome. If you would like to join the Save Greenwood Park Action Group please send an email to Cynthia.watson@vic. liberal.org.au to receive regular updates.

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Are you a Financial Planner looking for more clients?

Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

List in our Find Aged Care Accommodation Website.

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

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

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

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

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

APRIL 2022 | FIND MAROONDAH

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Coffee or Tea – which is better?

COMMERCIAL COFFEE MACHINE

By Ivana Smith

Coffee and tea are two of the world’s most popular drinks. Each have their benefits. Each have their ceremonies, their fans and their connoisseurs. Both contain caffeine and antioxidants, giving us that pick-me-up feeling and with numerous health benefits.

So, which one is better for you?

Caffeine content Caffeine is the most consumed stimulant drug in the world. It makes us feel awake and energised. Both coffee and tea contain caffeine but a cup of coffee has twice to three times as much caffeine as a similar-sized cup of tea, meaning it will give you a bigger, quicker boost. Tea contains a chemical that metabolises caffeine, providing more sustained energy over a longer time frame which proves to be more effective at sharpening the mind.

However, the caffeine content in your favourite brew might not be the only reason why you feel more motivated. Our mood, our expectations, coffee’s aroma and tea’s fragrance, their appearance, even the very cups and mugs we drink from may also influence our how alert and awake we feel.

Be aware also that drinking coffee can make it more difficult to get to sleep at night, especially if you have drunk numerous cuppas during the day. More than five cups of coffee a day can negate the benefits of caffeine and induce health risks.

Antioxidant attributes Caffeine may be deliver many health benefits. People who drink a moderate amount of caffeine have a lower risk for type 2 diabetes than those who do not drink any. They are also less likely to develop certain cardiovascular diseases (including heart disease and stroke), neurodegenerative diseases (including Alzheimer's and Parkinson's) and cancers (especially colon cancer, uterine cancer and liver cancer), metabolic syndrome and non-alcoholic fatty liver disease. A 10-year study in 34,670 healthy women showed that drinking 5 cups of coffee per day lowered the risk of stroke by 23% compared with non-drinkers.

Coffee usually contains more antioxidants than tea, hot chocolate and red wine.

There is also good news for those who prefer to drink decaf; it has as many antioxidants and similar health benefits as full strength caffeinated coffee.

Mental health If coffee simulates our brains, is it good for our mental health overall? There are varying reports of the benefits of coffee drinking on our moods and emotions.

People who drink three cups of tea a day appear to have a 37% lower risk of depression than those who don’t drink it.

Coffee doesn’t have the same reputation; some report, in fact, that coffee makes them feel like their nerves are on edge.

Yet there is some evidence that coffee may protect against long-term mental health problems. A recent meta-analysis summarising the results of studies involving more than 300,000 participants found that each cup of coffee a day seems to have an 8% reduction in the risk of developing depression. Other beverages, such as sugary soft drinks, increase the risk of developing mental health problems, whereas coffee and tea are composed of a nutrient mixture that calms down stress responses and boosts mood in the long term.

Looks good Coffee is the big winner if you want to be known for a lovely smile. Dentists agree that the natural pigments in tea,

especially if you use tea leaves, are more likely to stick to tooth enamel. Just look at an empty cup after someone has drunk black tea out of it to see what dentists are referring to!

Coffee doesn’t have this effect most of the time. So, if you are aiming for a perfect smile, coffee is definitely the better choice.

Other factors to consider The effects of coffee vary widely and depend on the type of bean you use, the brand of coffee, the particular method of roasting, and how you choose to brew it.

And if you add milk, cream and/or sugar, this will add to the calorie (kilojoule) count and may reduce the good effects of the caffeine and antioxidants.

So, coffee or tea, which is better? If you need a quick energy boost that is healthy and won’t stain your teeth, it’s coffee every time!

For advice on coffee and how to supply it to office, showrooms, service centres and factories, contact Ivana at ivana. smith@xpressodelight.com.au.

COMMERCIAL COFFEE MACHINE HIRE Xpresso Delight 0418 393 085 | www.xdcoffee.com.au

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Fast Construction – An Exciting New Technique For Building ARCHITECT

By Kathy Ismail

There are exciting new trends, methods and materials that builders are embracing to build more quickly and safely with less labour. These are known in the industry as ‘fast construction’. They can be used in domestic home builds and are especially cost-effective and time-efficient for building commercial premises.

Here are 8 ways builders can save time and money in the construction process.

1.

2.

3.

Modular construction Modules or boxes are made offsite and transported on flatbed trucks.

You can order an empty box to be completed on the construction site, or order one complete with built-ins, floors, appliances and so on. Modular constructions jobs tend to finish 30–50% faster than traditional projects but there are limits to the design flexibility.

Insulated Concrete Form (ICF) Construction Polystyrene blocks are rapidly assembled to create building wall formwork. The twin walls of the formwork is filled in with high quality, ready-mix concrete made in the factory. The end product provides a high level of sound and thermal insulation. For a singlestory house, the blocks can be laid in one day. This process provides continuous air and vapour barriers and eliminates the need to caulk or seal. The foam is easy to cut so plumbers and electricians can install pipes and wires quickly.

Precast foundations Also known as cross-wall construction, precast technology is proving popular because of its ability to adhere seamlessly to specifications and the ease and speed of its construction. High quality precast concrete units are factorymade. Foundations can be built

quickly, strength coming through interconnected concrete piles.

No need any more for a fine day to pour and lay the concrete – precast foundations can be laid in bad weather with less excavation involved.

4.

5.

6.

7.

Precast flat panel modules Wall and floor modules are manufactured offsite and delivered to the construction site. Load bearing components such as decorative cladding and insulation panels can also be made.

3D printing 3D printing? No, it’s not Lego®, but something much more practical.

Instead of being constrained by limited supplies of materials and dodgy supply chains, builders can make onsite items themselves that replace concrete. The 3D units are manufactured in controlled factory settings and are transported to the site as modules, structural blocks or touched-up units with all amenities installed, ready for assembly.

Concrete’s particular properties, such as being sound resistant, fire retardant and having thermal mass, are retained. Being able to reproduce needed materials onsite is a huge saving in terms of cost and time. For instance, a 600–800 square foot home can be laid in just 24 hours!

Wireless technology Wireless technology saves your electrician time when wiring your new home or office. Wire-free switches and other innovations separate the toggle switch from the electrical contacts, eliminating the wire, pipe and boxed needed in traditional wired switches.

Thin joint masonry Thin joint masonry reduces the usual

amount of mortar from 10 mm to 3 mm without reducing thermal performance. Builders can erect walls much faster onsite as a result.

It uses a quick-set of adhesives from traditional mortar beds that reaches full bonding strength in a matter of hours. The number of mortar courses laid in one day can be increased.

8.

Self-healing concrete For a long time, concrete has been one of the most extensively building materials used globally. Concrete is tough and solid but can wear out or be damaged over time and under stress. Self-healing concrete (who knew there was such a thing!) has been recently introduced and has been able to advance in a way that it will soon become a viable alternative to the traditional materials of wood and steel. Selfhealing concrete will automatically fix any found fissures and cracks that usually occur over time and it ultimately offers a good long-term solution for the degradation of concrete.

If you are building a new home or commercial premises, why not contact an architect who can work with you on fast construction with your builder? It will save you precious time and money in the long run.

Contact KiR Architecture at contact@ kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.

Kathy Ismail Architect KiR ARCHITECTURE 0422 026 962 | www.kirarchitecture.com

APRIL 2022 | FIND MAROONDAH

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Every Monday was Market Day HERITAGE & HISTORY

By Russ Haines OAM

The Ringwood Market recently demolished and replaced with Costco, was on the site of an earlier market which was much more extensive in its operations. Every Monday was market day, and a busy sight it presented too.

The farmers and orchardists' wives brought their home-made butter, their eggs, surplus vegetables, and the men brought their livestock, calves, pigs, and chickens. There were candy sellers to delight the children, soft-goods’ pedlars, with fashionable and handiwork materials to tempt the girls, while sons and fathers leant on the railings, and talked learnedly of crops and yields, and between times blessed or cursed the weather.

The market was known as McClelland’s Market and operated in the early 1900s through to the mid-1900s. At that stage, the antimony and gold mines, of East Ringwood, had closed and the brick and tile companies, and insulator works, near Dublin Road were minor industries.

Ringwood, once again, reverted to horticulture, orchards and farming of all sorts.

The auctions were always very exciting, with a great array of stock to be sold.

Often the only source of milk, butter and, possibly, cheese was to have your own milker, being either a cow or a goat. If goods were sold for money at the market, then the barter system certainly came into

play, and often a chicken was swapped for a large bag of fresh vegetables.

Jack Pickett had blacksmith's shop in Main Street just below the market. He was a well-known angler and sportsman and witty barracker at cricket and football, who eventually sold his business in 1928.

Often market patrons left their horses to be reshoed, or drays and buggies to have their regular service.

Margaret Barrett was a pupil of Winnington Grammar, located in Ringwood Street just down from the market on the Bourke Street corner, from 1927 to 1932. The school consisted of one large room, with folding doors in the middle. It was owned by the Misses Hall ‑ Crampton and Irene‑ who did most of the teaching. Miss Claridge taught us singing and musical appreciation, and she also taught me to play the piano.

We were visited periodically by the Vicar of St. Paul's Anglican Church; firstly Mr. Martin and later Mr. Robinson, for bible study.

She writes, “One of my strong memories of Winnington is the day of Melba’s funeral. We were marched up to the main street and stood in front of the then Town Hall, which stood at the corner of a short street almost opposite the station, which went down past the fire station to the recreation ground. We watched the procession of about forty cars following the hearse en route to Lilydale Cemetery.”

As well, many of the pupils travelled by train. The only route to the grammar

school, from the station, was past the market. On Monday morning’s, this proved too tempting, not only for the boys, but the girls were often waylaid. No doubt there were one or two detentions after school. Staley Gardens, where the stock yards were, was the site next to the Holeproof hosiery, so named after Dan Staley, a Scottish immigrant, who established Holeproof Australia.

Holeproof had factories in Deepdene and Box Hill, as well as the Ringwood Oddfellows hall in Aird Street and Jubilee Hall, now the Ringwood RSL, producing socks and other apparel during both world wars.

The SEC offices moved from Adelaide Street to the corner of the market, at the intersection of Whitehorse Road and Ringwood Street, as well as, in the 1950s, the development of the Olympic Shopping Centre on the front part of the old McClelland’s Market.

The need for local livestock and vegetable markets waned in the 1960s, with the improvement of roads and transport, and the district butcher and greengrocer either made the trice- were delivered. The site was eventually shut down and sold for development of a shopping centre.

Russ Haines OAM PRESIDENT Ringwood & District Historical Society president.RDHS@gmail.com 0418-103-256

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What is urban deforestation?

What is the real value of a mature tree?

NATURE & CONSERVATION

Retain ground water, preventing

Modify wind velocity and reduce

erosion and minimizing flood

evaporation from parched earth

Reduce pollution and clean the

Help shade us from harmful

air Trees are Croydon’s lungs

UV rays

Reduce the need for air

Sound absorbing providing a

Habitat for our birds, owls, magpies,

conditioning less energy used

quieter environment

Reduce green house gasses by

Provide habitat for small insects,

increasing oxygen and absorbing

lizards, tiny bats, and small

carbon dioxide

marsupials, ring tail

By Liz Sanzaro Modify temperatures locally.

Croydon without trees would be like Richmond !

wattle birds, butcher birds, kookaburras

• • • • • • • • •

provide shade in Summer, so that our living environment is cooled, and fresh, and can make the need for air conditioning less provide wind abatement, so we have less forceful winds able to whip up dust storms, take up water from the ground, so less rain is flash flooded into storm water drains and creeks and rivers and out to Port Phillip Bay, taking gutter pollutants with it. provide oxygen for the air we breathe, so that air pollution is reduced act as carbon sinks. Carbon sequestration (impounding it) safely from the atmosphere act as noise blockers, reducing the noise from busy built environments, where it bounces off hard surfaces and rebounds making an unpleasant place to be. keep the subterranean ground water table healthy and not allowing it to dry out, and cause our buildings to crack. filter ground water runoff which improves water quality to Port Phillip Bay and improves the edibility of fish provide habitat for Maroondah’s extensive birdlife, and fauna such as small marsupials and bark havens and water collection vessels for small wild animals, lizards, frogs, fruit bats all of which live with us in Maroondah.

So let's see what the current status actually is.

•

•

•

Experts in environmental science say that each living suburb will require at least 30% tree cover, only provided by mature trees, to weather the climatic conditions likely to occur in the future.

Maroondah had 30 % shade about 6 or so years ago, but with applications for tree removal, and development, this has dropped to 25 % already and is on a worrying downwards trend.

Climate change is quite obviously in play already, and those forceful winds with gusts over 100 KPH, took out a considerable number of mature trees in parts of Maroondah as well as in the Dandenong ranges. These trees would have been around 60 to 90 years of age, and

In a recent case of a tree on private property being poisoned to death, the court case and the Magistrate recommended that the correct value of the tree, using Councils own value system was about $43,000.

This was a made during a public case from Monash recently, detail via Google search.

What is Urban deforestation and why does it matter?

As above in the images; the job of a tree is to

rosellas, eastern spine bills, honey eaters,

•

• •

•

•

the volume of leafy biomass that would help in oxygenating the air, is gone for good The land is now more covered with hard man made materials which prevents water absorption, so our buildings will be more likely to crack and shift, making doors stick and bricks crack Those man made materials act as a heat sink, absorbing the solar heat, then radiating it out at night, keeping our suburb warmer in general.

Each week Council receives many requests for removal of large mature trees, this may be legitimate due to fear of limbs falling, however as we remove trees the winds that come through will take out many more, as there is protection in numbers. Wind shear just whips a mature tree from the earth like a matchstick Developers’ moonscape lots, in spite of real estate agents being able to sell at a higher price if there is shade for new residents, clearing is just easier and they pay a Council fine, but pass that cost onto the buyers Newly planted trees require care and water to survive, this does not always happen, so the negative effect is compounded.

A recent Enquiry by Parliament of Victoria; found the following.

• • • •

Climate change is the key driver of ecosystem decline Ecosystem decline is already having devastating impacts on flora and fauna Eco system decline is already driving more frequent and severe bushfires The ongoing removal and degradation on native vegetation is threatening biodiversity Conclusion: Clearly we cannot go on doing business as usual. What are our options? We would love to hear from anyone with an opinion, on our CCS facebook page.

Liz Sanzaro President of Croydon Conservation Society Email: liz@sanzaro.com president@croydonconservation.org.au | www.croydonconservation.org.au

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Are You Paying Your Staff Correctly?

BOOKKEEPER

By Neha Nayyar

You see stories in the media often about people being underpaid and then penalties and back payments that then apply. Simply ‘not knowing’ isn’t a valid reason to not be paying your staff the right entitlements. We provide payroll reviews and also bookkeeping training to many small businesses Australia wide. Here are some of our top tips:

Get your information from the right source When working out rates, penalties and conditions, get your information from Fair Work Australia or your leading industry body. Don’t rely on hearsay or past practice, as laws change frequently.

the employee may be entitled to. This can be a costly, unbudgeted back payment. Best place to check this is under the award through the Fair Work website.

Ensure you are meeting superannuation requirements.

There has never been as much focus on superannuation and employers as there is now. Employers are being held to account and significant penalties apply for wrong payments, late payments and missing payments. The current guarantee is 10%, so ensure your systems reflect this. This will increase to 10.5% from 1st July 2022. You can read more about the yearly increases on the ATO website here.

At Sum and Substance we know the importance and need for accurate payroll review service. We can provide bookkeeping training both broadly or specific to payroll. We can be reached at (03) 9424 9447 or info@sumsubstance.com. au. You can directly book in a time to chat by clicking here.

Be careful when ‘paying above the award’.

Don’t get caught out. You can absolutely pay above the award rate however ensure that you have also investigated any allowances associated for that role and ensure they are also reflected in the payroll. People often fall into the trap of paying a little bit extra per hour but then overlook allowances

Neha Nayyar 0401 409 573 www.sumsubstance.com.au

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Coming Election - Labor’s focusing on Aged Care During the budget reply, the opposition leader decided not to talk about economic policy but instead used the opportunity to kick off his election campaign with the address centred around aged care.

Aged Care The address was full of spending promise.

If elected they would spend $2.5 billion in the Aged Care sector with the aim to improve the standards and quality of care under a five-point plan, including: 1.

2.

3.

4.

5.

requiring every aged care facility to have a qualified nurse on site 24 hours a day; mandating every aged care resident receives a minimum 215 minutes of care per day (noting this was recommended by the Royal Commission); delivering a pay rise for aged care workers through an appeal to the Fair Work Commission to set higher wages (noting this financial commitment was not included in the estimated $2.5 billion aged care package but could amount to as much as $4 billion if the Commission agrees with the unions on the pay rise they are seeking); providing better food for residents by setting a mandatory nutrition standard for agreed care; and introducing more accountability measures including requiring providers to publicly report their spending and promising more staff and funding for the Aged Care Safety Commission.

Interestingly, the Opposition once again avoided discussing economics and kept away from answering the key question as to how they were going to pay for all of this, as well as all the other spending promises they have made to date.

What was notably interesting in the Oppositions reply was their statement that they would increase defence spending which is at odds with the Greens. Labor needs the Greens bi-partisan support for the up-and-coming election if

they have any hope of winning, so this announcement is sure to stir the hornets’ nest.

We look forward to finding out how Labor proposes to pay for all their future spending initiatives. History has shown that Labor is very quick to spend money to win the people (when I say people it usually ends up in the hands of the unions and not the ordinary everyday Australian) but find it very difficult to manage it wisely.

facilities Norwood Sporting Club is available for all your social, meetings or corporate events.

Our function space is purpose-built, with plenty of natural light and all new furnishings.

We can host from 8 to 250 people and have all your food and beverage requirements covered. We also have 2 other meeting spaces available.

Visit www.norwoodsportingclub.com.au, call 0467 676 753 or email enquieries@norwoodsportingclub.com.au

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List Your Aged Care Facilities with Find Aged Care Accommodation Today.

Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation. com.au) so you can promote your facilities and services to the general public. You can

also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

COVID Grants – Now approved as tax-free income

By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT).

For more information go to: Income Tax Assessment (Eligible State and Territory COVID-19 Economic Recovery Grant Programs) Amendment Declaration (No.3) 2022.

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Joint safety blitz aims to cut falls in construction

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

WorkSafe Victoria and SafeWork NSW are joining forces to help tradies in Albury and Wodonga reduce the risk of falls on both sides of the border. The risk of falls is certainly not peculiar to this region and is a major cause of serious injury and death right across the state of Victoria.

WorkSafe Executive Director Health and Safety Narelle Beer said employers in the construction industry must do more to prevent workers being injured or killed as a result of falls from height.

"The risk of falls from heights in the construction industry is very real and can have heart-breaking and life-changing consequences," Dr Beer said.

"Since the start of 2018 there have been 13 fatalities in Victoria's construction industry as a result of falls from height," she said. "Every one of these tragic deaths was preventable."

Across Victoria, more workers in the construction industry are injured in falls than in any other industry. I the last year alone, WorkSafe accepted 402 claims from construction workers injured in a fall from height. This is almost a third of the total of 1323 claims in this category.

These include falls from ladders (43.1 per cent), traffic and ground surfaces (12.7

per cent), steps and stairs (9.2 per cent), buildings (8.5 per cent) and scaffolding (7.5 per cent).

SafeWork NSW Director Construction Services Regional Laurence Richey said residential construction in the Albury and Wodonga Region is booming resulting in a large increase in the construction of new residential houses. This is also true of Melbourne metropolitan areas and major regional areas.

"During the upcoming blitz SafeWork Inspectors will be focusing on all construction hazards particularly in the areas of site fencing, amenities, housekeeping, electrical and work at heights.

"We encourage all builders to maintain a continual focus on these key issues" he said.

The operation is part of the ongoing Cross Border Construction Program, which aims to raise the profile of workplace health and safety issues in regional centres along the VictoriaNSW border. This operation gives some insight to where WorkSafe Victoria sees major failings in providing a healthy and safe environment for employees by construction business owners. It points to where WorkSafe Victoria may focus their attention in the near future, and how they may implement actions to bring about the changes they wish to see.

Employers should review and implement a safety checklist to protect workers from the risk of falls on site. Employers and employees should use this checklist to ensure adequate controls are in place to eliminate or reduce risks to health and safety from falls. We can provide assistance to ensure that employers get this right the first time.

Often businesses have OHS systems, but documentation is poor. We assist employers identify what they need to have in place, and then develop effective documentation. Checks are put in place to monitor effectiveness, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe. Please feel free to contact 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 BEAUMONT ADVISORY 0411951372 www.thebeaumontgroup.com.au

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Community rejection of State Government proposal to destroy Lake Knox

By Anthony Bigelow President, First Friends of Dandenong Creek

We as a collective of community groups, wish to join with the State Government in celebrating the arrival of the latest hatching of the threatened Blue-billed Duck at Lake Knox. Unfortunately, this is where our alignment with the government and Development Victoria ends.

The addition of 450 new dwellings into the current vacant public land, and the destruction of this deep water asset, will seal the fate of Blue-billed Ducks in Knox, displacing another threatened species for short term financial profit.

Their plan is scientifically questionable, and their ecological guarantees are unfounded. The State Government lacks expertise to replace habitat, and the project has no KPI or resourcing.

“No works are planned which could impact potential breeding” The words of Penny Forrest of Development Victoria, demonstrate that there is a complete lack of understanding with regards to the needs of this Threatened species, or perhaps this agency is unaware of their responsibilities under the Flora and Fauna

Guarantee Act, action plan No 174?

community rather than add?

Dedicated citizen scientists have been monitoring Lake Knox for over 20 months. Their observations of species at Lake Knox now number 88, which include other significant species such as Eastern Long neck turtles, Pelican, Black Swan and Hardhead Duck. This data has been openly shared with all parties involved with the proposed development, including Melbourne Water, and added to various public databases.

This denial of science, placing profit above the environment and habitat destruction of a Threatened species which has bred successfully at Lake Knox, is a stance that we the wider community need to call out.

So conclusive is the evidence obtained by the community and other interested Ecologists, that the protection of Lake Knox had been endorsed by various organizations such as The Jane Goodall Institute Australia, Wildlife

• • • • • • • • •

Victoria, Environment Victoria, Australian Conservation Foundation, Greenpeace Australia, Australian Wildlife Protection Council, For the Love of Wildlife, People for the Ethical Treatment of Animals, and the Australian Animal Protection Society.

It is difficult to see logic behind a development that will take from

22,000 voting voices have signed a petition to stop this habitat destruction, those voices will continue to rise right through this election year.

Croydon Conservation Society First Friends of Dandenong Creek Friends of Blind Creek Billabong Friends of Glenfern Green Wedge Friends of Lake Knox Sanctuary Friends of Koolunga Native Reserve Friends of Old Joes Creek Greening Knox Knox Environment Society

For more information visit www.savelakeknox.org iNaturalist citizen scientist project: www.inaturalist.org/projects/wildlife-oflake-knox

Reminder: Pension drawdown limits have been extended

By Warren Strybosch

The 50% reduction to minimum pension drawdown requirements from account-based pensions, transition to retirement pensions and market-linked pension (term-allocated pensions) will be extended for the 2022/23 financial year.

Accordingly, the government has registered the Superannuation Legislation Amendment (Superannuation Drawdown) Regulations 2022 to implement the continued reduction in minimums in 2022/23.

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Victorian Sick Pay Guarantee for Casual Employees – Apply before you get sick

By Warren Strybosch

Victoria is the first state to provide 5 days a year of sick and carer's pay at the national minimum wage for casual and contract workers in certain occupations.

The Victorian Sick Pay Guarantee will operate for 2 years, starting in 2022 and is fully funded by the Victorian Government.

The Victorian Sick Pay Guarantee provides casual and contract workers with a guarantee they will receive sick pay when they need to take time off when they are sick or need to care for loved ones.

Important: Your employees must register and be approved with Services Victoria BEFORE they get sick. If you apply for this payment after you become ill, you will not get paid for the days you were sick prior to applying.

Whilst this is good news for casual workers, it is confusing for the employers. Currently, employers pay an additional 25% leave loading to casuals to cover the fact that casuals did not get leave entitlements. However, this new payment to casual workers does not remove the employers leave loading liability which will need to continue to be paid. It is unlikely the leave loading will be removed.

Eligibility for the Sick Pay Guarantee To be eligible for the Sick Pay Guarantee you must meet all these criteria: • • • • • • •

Age – be 15 years or over Type of employee – be a casual employee or self-employed with no other employees (such as a sole trader or an independent contractor) Leave entitlements – not be entitled to paid personal, sick or carer’s leave in any of your jobs Workplace – work physically in Victoria, no matter where you live Right to work – have the right to work in Australia Occupation – work in an eligible occupation (see table below) Average hours worked – on average you work at least 7.6 hours per week in an eligible occupation(s).

What you need to make a claim Occupations eligible in the first phase of the Victorian Sick Pay Guarantee are:

Job

Type of Work

Hospitality workers

Providing services to patrons of hotels, bars, cafes, restaurants, casinos and similar establishments.

Food preparation assistants

Preparing food in fast food establishments, assisting food trades workers and service staff to prepare and serve food, cleaning food preparation and service areas.

Food trades workers

Baking bread and pastry goods; preparing meat for sale; planning, organising, preparing and cooking food for dining and catering establishments.

Sales support workers

Providing assistance to retailers, wholesalers and sales staff by operating cash registers, modelling, demonstrating, selecting, buying, promoting and displaying goods.

Sales assistants

Selling goods and services directly to the public on behalf of retail and wholesale establishments.

Other labourers who work in supermarket supply chains

Including workers who fill shelves and display areas in stores and supermarkets; load and unload trucks and containers; and handle goods and freight.

Aged and disability carers

Providing general household assistance, emotional support, care and companionship for aged and disabled persons in their own homes.

Cleaners and laundry workers

Cleaning vehicles, commercial, industrial and domestic premises, construction sites and industrial machines, and clothing and other items in laundries and dry-cleaning establishments.

Security officers and guards

Providing security and investigative services to organisations and individuals, excluding armoured car escorts and private investigators.

These occupations are highly insecure and workers in these industries do not usually have access to sick and carer's pay.

More than 150,000 workers are expected to be eligible in this first phase of the Victorian Sick Pay Guarantee.

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Is it possible that your stress is impacting your immune system?

NATUROPATH

By Kathryn Messenger

The last two years have certainly been a challenge for most of us. Whilst some people have enjoyed more time to themselves and cutting out the commute time for work during lockdowns, others have found themselves juggling work with home-schooling, lonely without social interaction, or afraid of the effects of the virus.

What does stress do?

The autonomic nervous system controls digestion, heart rate, and blood pressure, and stress plays a major role in how these functions work. It consists of two opposing modes of operation: the sympathetic and the parasympathetic nervous systems.

You have likely heard of the sympathetic nervous system, the “flight or fight” response, where cortisol production is increased in the adrenal glands. For a short-term situation, this is helpful as it gives you the energy required to deal with the stress and promotes resilience to stress in the future. One example of this is the stress of regular moderate exercise, which has been found to improve and protect the immune system.

But long-term stress is where the problem lies. It dysregulates both the innate and adaptive immune responses. The innate immune system is a generalised first-line of defence against disease. The adaptive immune system recognises diseases previously fought and specialises defences.

Long-term circulation of cortisol increases inflammation through the body and causes tissue breakdown leading to lowered immunity. Both inflammatory and infective disease is increased with long-term life stress.

How can I reduce stress?

The parasympathetic nervous system, “rest and digest”, opposes the sympathetic nervous system, and what’s great about the autonomic nervous system is that you can have control over it. Just 10 minutes a few times a day of slow breathing exercises can increase the time your body spends in the rest and digest mode, reducing cortisol and improving your immune system. As mentioned earlier, regular exercise also helps, along with doing things you enjoy: creative activities, time with friends, time in nature, listening to music or any other activity that brings you joy.

Mix equal parts of each herb and store in an airtight container.

1 teaspoon of tea infused in 1 cup of boiling water.

Let it steep until it has cooled enough to drink.

Remove the infuser and enjoy.

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.

YEP tea YEP (yarrow, elder, and peppermint) tea has been used traditionally to both strengthen the immune system and in times of infection. Yarrow is antiinflammatory and relaxing, elder is high in vitamin C and can reduce mucous, peppermint is also relaxing and will reduce mucous. You can use either elder berries or flowers, but I prefer the berries.

You can buy these at a health food shop or organic shop.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

Herbal medicine and nutritional medicine offer natural options for increasing resistance to stress, relaxing the nervous system, and regulating the immune system. A naturopath can make a custom mix of herbs to best treat your unique symptoms.

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Rebuilding after lockdown

By Samara O'Halloran

Scaredeecats Cat Nanny came to life in 2018, Originally just for the care of cats she has opened up the business to accommodate other animals as well.

When Sam a single mum working fulltime recognised a niche in the market, for cats that struggle with cattery life. Being a fully qualified vet nurse with 25 years experience and a special interest in cats, She was working in a busy Veterinary Clinic she recognised that they were treating cats after they had spent time in the cattery when their families had been away on holidays. They were presenting with stress related disorders such as urinary tract inflammation of unknown origin (Feline Idiopathic Cystitis), over grooming and temperament changes.

She wanted to give these kinds of cats an opportunity to stay home in their own environment helping to contribute to their wellbeing and helping owners to avoid vet fees on their return from holiday.

Cats are actually very territorial animals and don't always adjust to being moved out of their normal familiar safe environment, into an environment filled with strange stimulus, new smells, new

sounds, new sights and new people.

This can be very disturbing for some cats whereas other more outgoing cats take to the change like ducks to water.

Scaredeecats Cat Nanny took a hit during lock down as we were all designated to home and no one was allowed to go anywhere. Despite this

A REAL FIND!!

knock Scaredeecats is rebuilding and Sam has decided to introduce other critters to the reportoire including dogs, birds and other small animals as well as offering up some of her nursing skills, she is available for helping to medicate pets which can sometimes be quite tricky, pet transport, dog walking, nail trims and wing clipping.

Another service she offers to owners is compassionate conversations in regards to end of life for your pet, what to expect, but she would never make that decision for you. These conversations are free and are just to offer owners a safe place to chat and gain some insight.

By Elwynne Kift

One of our members was looking for a certain colour of wool and look what was found.!

We are not too sure of the date, but it is thought to be around the 1940's.

The CWA also had an appeal around this time for women to knit socks for the soldiers, sailors and air force.

Along with this find, there was also a full page of the Australian Women's Weekly from 18/11/1939. It also had the instructions for knitting socks for the soldiers.

We are not too sure whether this should be laminated (would that take away the antique value??) or perhaps framed??

We look forward to your suggestions.

Elwynne Kift President of Heatherdale Community Action Group hcag@iinet.net.au www.hcag.online

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How Cost of Living Pressures Impact on Your Ability to Borrow Photo by Monstera from Pexels

MORTGAGE BROKERING

By Reece Droscher

Over the last few months we have all experienced the impact on our hip pockets from increases in the costs of daily living. From the grocery store to the petrol bowser living costs have gone up significantly without any real increases in wages, so money left over to save for a house or pay off debt is becoming harder to retain. This means that when you apply for a loan with a Bank to buy a home, refinance or complete some renovations, demonstrating that you have capacity to pay back the loan is also getting more difficult.

When assessing your ability to repay a loan the lenders are not just looking at your income, deposit and the security you are providing. They are also looking at what you spend on groceries, utilities, transport costs, entertainment, education and all of your other daily living expenses.

The amount you spend on these costs will have a significant impact on how much you can borrow.

Most lenders use a standard measure called Household Expediture Method (HEM) to estimate a household’s living costs. The HEM is a benchmark figure that estimates how much someone in your location is likely to spend on living costs, taking into account family size and the number of children you have. It varies from person to person as, for example, a family of four living in the suburbs of a larger city is likely to spend more than the same family living in a rural location.

As HEM is used as an estimate, lenders will want to look at your particular spending habits against the HEM benchmark, which they will do by requesting that you supply them with your transaction account and credit card statements, usually over a three month period. Once they examine these statements they will see whether your spending is above or below the benchmark. If your spending is above the benchmark they will use this figure as your living expenses when assessing your borrowing capacity.

HOW CAN WE IMPROVE OUR CHANCES OF GETTING A HOME LOAN APPROVED? It may feel that, with all of the cost of living increases, stagnant wage growth and the doom and gloom around interest rates potentially increasing, getting finance approved is an impossible task except for the privileged few on high incomes and with big balance sheets. Yes the task is getting more difficult, but by doing a few simple things we can improve our chances of getting that loan approval.

1.

2.

Set up a budget and stick to it. This is a key lesson for most of us to learn. Keeping track of where you spend your money can help you identify where you can change your spending habits for the better.

Cut out as much discretionary spending as possible. By identifying where you spend your money you can look at ways to reduce your living costs. Perhaps bringing lunch to work most days rather than buying it, reducing the number of coffees per day or cancelling a streaming

service when you already are paying for several others might be a starting point.

3.

4.

Reduce or cancel any limits on credit cards that you don’t use.

Cancel any Afterpay or Zippay accounts that you may have. These are treated like credit cards and have a negative impact on your ability to borrow.

Doing this well before applying for a loan will give the lenders evidence that you know how to track your spending and manage your finances so affording a loan repayment can be demonstrated. If you can do this and also show consistent savings history then you will be going a long way to ensure you receive a positive outcome on any loan application.

At SHL Finance we have helped a lot of our clients improve their situation by working with them to achieve their financial goals, and we would love the opportunity to help anyone who is wanting to improve their chances of being able to buy a future home. Please call Reece on 0478 021 757 should you want to find out how we can help you.

Please call Reece Droscher on 0478 021 757 or email reece@shlfinance.com.au.

Advice given in this article is general in nature and is not intended to influence decisions about investing or financial products. You should always seek your own professional advice that takes into account your personal circumstances before making any financial decisions.

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SMSF: Non-arm’s length income – expenditure incurred under a non-arm’s length arrangement will attract higher taxes ACCOUNTANT

By Warren Strybosch

Have you ever owned a property in your SMSF and sold it to yourself for less than market value? Are you an accountant preparing the SMSF returns and financials and not charging the SMSF accounting fees associated with doing the work?

Have you lent money to your SMSF and the SMSF is paying the interest at less than commercial rates? If so, the income produced by the SMSF may be taxed at the highest marginal tax rate.

The ATO Law Companion Ruling LCR/2021/2 clarifies how the amendments to section 295-550 of the Income Tax Assessment Act 1997 (ITAA 1997) operates in a scheme where the parties do not deal with each other at arm’s length and the trustee of a complying superannuation entity incurs non-arm’s length expenditure (or where expenditure is not incurred) in gaining or producing ordinary or statutory income.

The amendments apply in relation to income derived in the 2018–19 income year and later income years, regardless of whether the scheme was entered into before 1 July 2018. In other words, it relates to goods or services you received, paid-for, incurred, for which you paid less or received for less than market value. If you did, then some or all of the income with in your SMSF might be taxed at the highest marginal tax rate and not the low tax component rate of 15%.

Example 1 – Non-arm’s length expenditure was incurred to acquire an asset During the 2019–20 income year, Armin holds commercial property with a

market value of $800,000. During the income year, he sells the commercial property to himself acting as trustee of his self-managed superannuation fund (SMSF) for $200,000. The SMSF leases the property to a third party. For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the commercial property from Armin for an amount that is less than its market value.

There is a sufficient nexus between the non-arm’s length expenditure incurred in acquiring that property and the rental income the SMSF derives from leasing the property for the rental income to be NALI. Further, there will be a sufficient nexus between the non-arm’s length expenditure and any capital gain derived on the disposal of the property for the capital gain to be NALI. Example 2 – Non-arm’s length expenditure incurred has a nexus to all income of the fund For the 2020–21 income year, Mikasa as trustee of her SMSF engages an accounting firm, where she is a partner, to provide accounting services for the SMSF. The accounting services include services other than those relating to complying with, or managing, the SMSF’s income tax affairs and obligations. The accounting firm does not charge the SMSF for those services as a result of non-arm’s length dealings between the parties (and not as part of any discount policy referred to in paragraph 51 of this Ruling). For the purposes of subsection 295-550(1), the scheme involves the SMSF acquiring the accounting services under a non-arm’s length arrangement. The non-arm’s length expenditure (being the nil amount incurred for the services) has a sufficient nexus with all of the ordinary and statutory income derived by the

SMSF for the 2020–21 income year. As such, all of the SMSF’s income for the 2020–21 income year is NALI. Subsection 295-550(1) would cease to apply if the arrangement changes for the 2021–22 income year so that the SMSF incurs expenditure for the accounting services provided by the accounting firm of an amount that would have been expected to be incurred where the parties were acting at arm’s length. In this situation, none of the SMSF’s income for the 2021–22 income year is NALI. Example 3 – Purchase financed through a limited recourse borrowing arrangement on non-arm’s length terms During the 2018–19 income year, Kellie (as trustee of her SMSF) entered into a non-commercial LRBA with herself in her individual capacity to purchase a commercial property valued at $2 million. Her SMSF borrowed 100% of the purchase price and the terms of the loan included interest being charged at a rate of 1.5% per annum and repayments only being made on an annual basis over a 25-year period. Kellie’s SMSF received a commercial rate of rent from the property of $12,000 per month.

If Kellie’s SMSF had entered into an LRBA on arm’s length terms, it would be expected that repayments of principal and interest would have occurred on a monthly basis and interest would be charged on the LRBA at a commercial rate. The loan to market value ratio would have also not exceeded commercial levels. For the purposes of subsection 295-550(1), the scheme involves the SMSF entering into the LRBA with Kellie, complying with the terms of the LRBA, purchasing the commercial property,

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and deriving the rental income. The terms of the LRBA constitute a non-arm’s length dealing between the SMSF and Kellie, which resulted in the SMSF incurring expenditure in gaining or producing rental income that was less than would otherwise be expected if those parties were dealing with each other at arm’s length in relation to the scheme.

a subsequent CGT event happening in relation to the property (such as disposal of the property) being NALI. This will be the case regardless of whether the LRBA is subsequently refinanced on arm’s length terms.

The rental income derived from the commercial property by the SMSF for all income years is therefore NALI, regardless of whether the LRBA is subsequently refinanced on arm’s length terms. The non-arm’s length expenditure incurred under the LRBA will also result in any capital gain that might arise from

It is crucial for trustees to make sure that all transactions are always performed at arm’s length. If you believe that a transaction might not have been dealt with at arm’s length, we would strongly suggest you speak to your accountant before the end of this financial year to see if there is a way to rewind the

[Source: https://www.ato.gov.au/law/ view/pdf/pbr/lcr2021-002.pdf]

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transaction and record it correctly and the appropriate paperwork is in place substantiating the matter accordingly.

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

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

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn't mean they are not making waves. Meet our Power 50.

Inflation on the rise - prepare for interest rate rises

By Warren Strybosch

In February the RBA indicated it could see an inflation rate up 3 ¼ % in mid 2022, though Westpac forecast an inflation rate of 5% in their 14th March forecast. With inflation on the rise, the market is now expecting interest rates to start moving also.

If you have a mortgage or investment loan, it might be time to consider speaking with a mortgage broker about a fixed rate loan. We would encourage you to speak the mortgage broker supporting this community paper – you can find their details on page 2 under columnist or at the end of their article.

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Illuminated Signs For The Dark Nights SIGNAGES

By Glenn Martin

Daylight saving has come to an end once again. The clocks have been turned back and, all of a sudden, it’s dark by 6pm – which makes it the perfect time to invest in an illuminated sign.

For many businesses, the dark nights can have a negative impact on both the number of daily visitors and overall sales. This dip could be due to a number of different reasons – but sometimes, it simply comes down to signage. You could have the most attractive business sign in the entire world. But if it can’t be seen in the darkness, it will fail to do its job and won’t attract potential customers.

That’s why it’s often worth investing in illuminated signage. Whether you’re the owner of a shop or restaurant, or run a roadside business or office, an illuminated sign can help you to stay visible (and busy!) throughout the autumn-winter months.

Is it worth buying an illuminated sign?

Illuminated signs have a wide range of advantages. First and foremost, they’re an excellent way to improve the visibility of your business – ensuring it’s seen both day and night, all-year-round. Essentially, they’re a 24/7 advertisement. Whatever

Face Lit Channel Letter

the time of year, whether morning, afternoon or evening, people will notice your business and are much more likely to pay you a visit.

Thanks to their professional appearance, well-designed illuminated signs can give you a competitive edge and set you apart from other businesses in the area. They can also be good for security – successfully illuminating your premises overnight and helping to deter opportunistic thieves.

What’s more, they’re an affordable option for most. LEDs are approximately 60% cheaper to run than other forms of lighting and can last for 50,000 hours or more. As such, they make it possible to light up your sign and get your business noticed in the dark, without breaking the bank.

Are there different types of illuminated signage?

Illuminated signs come in many different shapes and sizes and it’s possible to choose any colour or graphic to suit your business. However, they typically fall into one of three categories: 1.

Face-lit These are often made from acrylic.

LEDs are mounted inside the structure and fitted in a particular way to illuminate the front of the sign. This creates a bright, eye-catching effect.

Backlit channel letters

LED Neon Signage

2.

Back-lit Back-lit signs consist of a largeformat coloured graphic, which is illuminated from behind using a series of LEDs. They’re often called LED lightboxes and can be used both indoors and outdoors.

3.

Edge-lit A popular choice for many businesses. LEDs are fixed to the back of the sign and pointed towards the wall. This creates a sophisticated ‘illuminated halo’ effect around the edge of the sign.

Which is the right type of illuminated sign for me?

This depends on the nature of your business and how you would like the final sign to look and were it will be positioned.

When it comes to illuminated signs, it’s fair to say that here at Signarama Ringwood, we know our stuff. Not only can we help to identify the best type of LED sign for your business, but we can also come up with the perfect design and have it upand-running in time for the winter months.

Our team are always on hand and happy to help. If you have any questions about illuminated LED signs and how they can benefit to your business, simply give us a call on (03)7023 5255 to speak with one of our expert signage consultants or visit our website to see examples and take the first step towards illuminated signage today.

Face & Halo Backlit Signage

Push Through Illuminated Logo Lightbox

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Fuel tax cut to ease inflation: Treasurer Maeve Bannister

(Australian Associated Press)

Josh Frydenberg has tried to soothe concerns that spending in his fourth budget will inflame already heated inflation and bring forward an interest rate rise earlier than would otherwise be the case.

While the treasurer’s pre-election budget cut deficits by about $100 billion out to 2025/26, it also spends tens of billions of dollars, including $8.6 billion in cost-ofliving measures for households.

This includes a halving in the 44.2 cents a litre fuel excise for six months.

“The reason why we took this step is because cost of living pressures are real, fuel prices are particularly high,” Mr Frydenberg told the National Press Club at the traditional post-budget lunch in Parliament House.

He said Treasury estimates a cut in the fuel excise will reduce inflation by 0.25 per cent.

Financial markets see the risk of an interest rate hike by the Reserve Bank of Australia as early as June, with economists expecting inflation to accelerate to at least five per cent compared with an already high rate of 3.5 per cent.

“This budget delivers further fiscal stimulus near term and, at the margin, it adds to the pressure for the RBA to begin

policy normalisation sooner rather than later with emergency cash rate settings looking increasingly inappropriate,” RBC Capital Markets chief economist Su-Lin Ong said. The markets are pricing in a cash rate of around 0.3 per cent by June, compared with the current record low of 0.1 per cent. “It will be interesting to see how the Reserve Bank responds to this budget next Tuesday, when it meets to consider interest rates,” CPA Australia’s Jane Rennie said. The budget also provides an additional tax break for low and middle income earners and a one-off payment to pensioners and the unemployed.

Committee for Economic Development of Australia chief economist Jarrod Ball said the short-term quick fixes would be welcomed by many. “But … with growing inflationary pressures and interest rate rises on the horizon, cost-of-living pressures will not dissipate any time soon and these measures do not provide a long-term solution,” he said. Labor will wave through the initiatives, at a time when real wages are going backwards.

“There is a role for cost of living relief in the budget,” shadow treasurer Jim Chalmers told ABC radio.

“What’s missing from the budget is a plan beyond May. This government is temperamentally incapable of seeing beyond the May election.”Still, Standard & Poor’s said the improvement in the budget bottom line has been faster than previously anticipated, underpinning

Australia’s AAA rating and stable outlook.

“The outcome would have been stronger had the government not announced additional spending in the budget to ease cost-of-living pressures,” S&P said.

Australia remains one of a small group of 11 countries to be rated AAA by S&P, a level it has held since 2003.

Moody’s Investors Service and Fitch Ratings rank Australia similarly.

Moody’s vice-president Martin Petch said the budget improvement reflected the flexibility of the Australian economy and the effectiveness of its macroeconomic policy response to the coronavirus pandemic.

“This, and unexpected strength in commodity prices, have driven a solid economic recovery and lift in government revenues,” he said.

But Fitch director for sovereign ratings Jeremy Zook said while the medium-term fiscal outlook has improved, the path for budget consolidation is highly reliant on forecasts of an improved economic outlook and revenue performance.

“It does leave fiscal metrics and debt stabilisation vulnerable to a potential underperformance in economic growth, especially as the budget does not expect a return to fiscal balance in the next 10 years,” he said.

FREE Access to Company Information - ASIC Fees to be Removed One of the announcements in the 2022 Budget is that ASIC fees are to be removed as part of the Commonwealth’s deregulation agenda.

The following fees may be removed or reduced: • Company search fees; • Company annual review late fees; and • Lodgement fees.

From September 2023, it is anticipated that businesses will be able to access company information and pay less ASIC fees when the new business registery service goes live via the via the Australian Business Registry Services (ABRS) online digital platform.

With the introduction of the Director ID, it looks like the Commonwealth also wants to make certain director and company information is more accessible. It is not yet clear as to exactly what information will be made available to the general public, but it is likely it will include

By Warren Strybosch

information on company ownership, directorships, office addresses and financial results.

The registry fee reforms are anticipated to save Australians and their businesses $64.9 million in fees over 3 years from 2023-24. The changes are part of the much broader Modernising Business Registers program to make interactions with government simpler and quicker, improve the currency and accuracy of registry information and promote transparency.

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Australian Entities and the EU General Data Protection Regulation.

Should I Have Cover?

GENERAL INSURANCE

By Craig Anderson

Are you running an entity incorporated in Australia and dealing with clients on line who are in the EU, or clients in Australia who have EU citizenship? If you are, and you mishandle their data, you may have simultaneously breached Australian and European Regulations.

To be clear, this article is not intended to offer legal advice, but to highlight you may need to examine a potential area of risk in your business further. You might find the link below useful, but in the meantime, you may be wondering where insurance fits into this conversation. https://www.oaic.gov.au/privacy/ guidance-and-advice/australianentities-and-the-eu-general-dataprotection-regulation Put simply, one of the greatest underestimated risks to any business is the theft, or hijacking, of client data;

thanks to a malware attack or hacking incident.

Once this occurs, the business will likely have to self-report to the Office of the Australian Information Commissioner (OAIC), and let all of their customers know about the breach and the potential impact to those affected. At that point, it may be found that the General Data Protection Regulations (GDPR) rules have been breached as well, and fines may apply. A website which has a survey or chat function which uses cookies may also breach GDPR rules depending how the data is used or stored, and where it is used, and by whom. See link below for self-reporting of data breaches in Australia. https://www.oaic.gov.au/privacy/ notifiable-data-breaches/report-a-databreach Cyber Insurance can cover Crisis Management Costs, Notification and Breach Response Expenses, Defence Costs, Fines and Penalties (where

insurable under the law), Multimedia Liability, Loss of Business Income and potentially Cyber Extortion Money in some circumstances. A cyber-consultant risk. Given the frequency and severity of cyber events, a cyber-policy is a must for businesses, and can be an effective last line of defence against massive cyber related financial losses.

For a health check of your business insurance, contact Small Business Insurance Brokers via email at sales@ smallbusinessinsurancebrokers.com.au, or call 0418 300 096 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

COVID Grants – Now Approvedas Tax-free Income

By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT).

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Super and Tax Thresholds for 2022/23 Released FINANCIAL PLANNING

By Warren Strybosch

Super contributions caps: Type of Contribution

Cap 22/23

Concessional Contributions

$27,500

Non-concessional Contributions

$110,000

Non-concessional Contributions – Bring Forward Option

Description Employer contributions (including SG and salary sacrifice) and personal contributions where tax deduction claimed.

Personal contributions where no income tax deduction claimed – available if total super balance < $1.7 million.

Available where person is under 75 at 1 July in year of contribution. This is the maximum amount over a

$330,000

General transfer balance cap

$1,700,000

Low Rate Cap

$230,000

Untaxed Plan Cap

$1,650,000

CGT Cap

$1,650,000

3 year period and is subject to total super balance.

Maximum amount that can be converted to retirement income streams where tax on earnings is zero.

Taxable component (taxed element) that can be withdrawn from super tax-free between preservation age and 60. Previously known as Post 83 “tax-free” or low rate threshold.

This threshold limits the concessional tax treatment of benefits from an untaxed fund that has not been subject to contributions tax.

Lifetime limit where small business CGT concessions applied.

ETPs cannot be rolled over to superannuation.

Employment Termination Payments (ETP): The ETP cap amount for 2022/23 is $230,000. Therefore, the following rates will apply in the 2022/23 financial year: Age at 30 June

Less than preservation age

Preservation age or over

Amount

Tax Rate *

Below $230,000

30%

Above $230,000

45%

Below $230,000

15%

Above $230,000

45%

* Excluding Medicare Levy of 2% ETP Includes

ETP Excludes

Amounts for unused rostered

A payment for unused annual

days off

leave

Amounts in lieu of notice

A payment for unused long service leave

A gratuity or “golden handshake”

An employee’s invalidity payment (for permanent disability other than compensation for personal injury) Certain payments after the death of an employee Excess over tax-free portion of

The tax-free part of genuine redundancy payment or early retirement scheme for those under pension age.

Genuine Redundancy: The tax-free portion of a genuine redundancy or approved early retirement scheme for 2022/23 is $11,591 plus $5,797 for every completed year of service.

Superannuation Guarantee Contribution Rates: The superannuation guarantee contribution rate is legislated to increase to 10.5% from 1 July 2022.

The maximum SG contributions base will be $60,220 per quarter or $240,880 per annum. Employers are not required to pay SG contributions on amounts over this threshold.

Government Co-contributions: The maximum Government co-contribution amount of $500 is available where income is less than $42,016. The higher threshold above which the co-contribution will not be paid is $57,016.

Low Income Super Tax Offset: The Low Income Superannuation Tax Offset income threshold is $37,000 and is not indexed.

Tax on Superannuation Withdrawals (2022/23): Component

Tax Treatment

Tax-free

Tax Free

Taxable - taxed element

Under preservation: 20% plus Medicare Preservation to 59: First $230,000 tax free and balance at 15% plus Medicare 60 and over: Tax free

Taxable - untaxed element

Under preservation: First $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare Preservation to 59: First $230,000 at 15% plus Medicare, $230,000 - $1,650,000 at 30% plus Medicare and balance at 45% plus Medicare 60 and over: First $1,650,000 at 15% plus Medicare and balance at 45% plus Medicare

genuine redundancy

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Untangling Tongue Ties: Part 1

LACTATION CONSULTANT

By Dr. Joanna Strybosh

Ankyloglossia, commonly known as tongue tie, is the name given to the condition where the tongue is tethered (or “tied) to the floor of the mouth by an abnormally short, thick or restrictive frenulum. The frenulum is the thin piece of connective tissue that is found in the midline under the tongue. When considered alongside other tied oral tissue, such as upper lip ties and buccal ties, they are commonly grouped together under the term “tethered oral tissues” (or TOTs).

Ankyloglossia has become a topic of much clinical and public discussion, the subject of new research and indeed the cause of considerable contention over the past 20 plus years as breastfeeding rates have been steadily increasing and more tongue ties are being diagnosed and treated.

Is important to understand that not all oral frenula are restrictive. The visible presence of a frenulum does not necessarily mean there will be a diagnosis of tongue tie. It is vital when thinking about oral frenulum and assessing for tongue tie, that we

understand this is a functional diagnosis.

That means the professional assessing the tongue must understand how it should normally function, in order to be able to accurately recognise when it is not. In effect, tongue tie is a diagnosis of dynamic dysfunction, not a diagnosis of observation only. This is why it cannot be diagnosed from a photograph.

In medieval times up and through the early 1900s, tongue-ties were released routinely by either a midwife with a sharpened fingernail, or a surgeon using instruments. In fact, the instruments necessary to clip a tongue-tie appeared in circumcision trays because both procedures were commonly performed before a newborn was sent home from hospital.

In the post-war ear of the 1950s, the culture in the United States and Australia changed with the introduction of baby formula and rates of breastfeeding fell dramatically. By the 1960s and 1970s, ankyloglossia was considered to be an outdated topic, and many pediatricians denied that tongue-tie existed or that it caused a problem with feeding in newborns. The natural childbirth movement in the 1970s brought renewed interest in breastfeeding as a first choice

for infants, and with this change came increasing recognition of tongue-tie as a potential road block to successful breastfeeding. A few case reports and observational studies appeared, proposing a link between ankyloglossia and breastfeeding difficulty.

In the years since then, ankyloglossia has become a controversial topic in medicine, with many strong opinions held by a diverse group of health professionals, including pediatricians, neonatologists, feeding and speech therapists, lactation consultants, dentists, and ENTs. Stay tuned for part 2 in next month’s edition.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE 9876 3011 www.childrensoteopathiccentre.com

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DRIVING YOUR CLUB FORWARD Peter Horton

Does your club have a business plan – a plan that outlines what your club is looking to achieve into the future?

Without one you could be seen as a rudderless ship however with a business plan you will be in the position to move your club forward.

Don’t waste time looking back – what worked successfully your club a few years ago should be classified as ‘history’ – what you need now is a plan to move your club forward.

Let your members know that your club is working on developing a business plan, a plan that will involve all aspects of your club – revenue, membership, sponsorship, subscription fees to name a few – and importantly seek input from your members.

The plan should look at reviewing your club’s revenue streams and then look at what you need to do to increase revenue,

increase membership, increase sponsorship whilst also looking at additional revenue streams. The common denominator is the word INCREASE with the common goal being both increased revenue and membership.

Ask yourself this – is our club being run as a business?

If the answer is NO then it is time for a re-think and most definitely the time your club needs to develop a business plan.

Take the following into consideration: What category does our club fall into?

What is our product?

What is our brand?

We are a Sporting Club Name of your Sport That’s the name of your Club And do we have a business plan?

Running your Club as a business is the only way to go.

A business plan will show you how you plan to grow your sporting club in the coming years.

But don’t think you can do it alone…get your board involved, get your members involved – work collectively as a club and you will finish up with a business plan that has been well planned, endorsed by your members and implemented.

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2022 TA Temporary full expensing of depreciating assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing was extended by 12 months from a 2021 Federal Budget announcement and is now law. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities

Announcement(6-Oct-2020) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022)

will have separate eligibility criteria. Since the original legislation was enacted, further amendments have

Royal Assent

been made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it

Date of effect(6-Oct-2020)

may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Superannuation guarantee exclusion for low-income workers removed The low-income earners’ exemption for employers calculating their superannuation guarantee shortfall will be removed from 1 July 2022. The low-income earners’ exemption states that an employer is not required to pay superannuation guarantee where their employee earns less than $450 in a calendar month. The change that is occurring is a repeal of the subsection of the legislation which provides the employer’s exemption from superannuation guarantee liability. The repeal will not be in place until 1 July 2022. Where

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed(10-Feb-2022)

a client of yours contracts out their payroll function to a third-party provider, best practice is to ensure a

Royal Assent(22-Feb-2022)

relevant update to the system is completed. This may involve contacting the third party or completing a “dry

Date of effect(1-Jul-2022)

run” prior to making any payments.

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget will reduce the age limit from 65 to 60 from 1 July 2022.To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.

Downsizer contributions are in addition to existing rules and caps and are exempt from the:

nouncement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022) Royal Assent(22-Feb-2022) Date of effect(1-Jul-2018)

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

balance of the franking account. The loss carry-back tax offset has been extended by 12 months to include

Royal Assent(14-Oct-2020)

losses in the 2022–23 income year. The amendment is now as the legislation has been given royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions will be removed from 1 July 2022. Prior to the change, super fund members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for non-concessional contributions (including the bring forward rule) will allow members to contribute more to

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021)

super throughout their lifetime, subject to meeting other requirements. However, it should be noted that the

Passed(10-Feb-2022)

work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions.

Royal Assent(22-Feb-2022)

However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see

Date of effect(1-Jul-2022

event ‘Work test exemption for low balance retirees’).

First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will increase from $30,000 to $50,000. The increase will apply to withdrawal requests from 1 July 2022 as amending legislation has now passed and been given royal assent. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. The scheme began on 1 July 2017, with voluntary contributions up to $15,000 per year able to be used for an FHSS scheme withdrawal. The withdrawal also includes deemed earnings on the voluntary contributions. The scheme is

Announcement(10-May-2017) Consultation(4-Aug-2017) Introduced(27-Oct-2021)

intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by

Passed(10-Feb-2022)

accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers

Royal Assent(22-Feb-2022)

in limited circumstances. Other administrative changes from the amending legislation include allowing

Date of effect(1-Jul-2018)

individuals to withdraw or amend their application for release prior to receiving payment. Individuals who withdraw or amend an application will not lose their ability to re-apply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Employee share scheme tax and regulatory changes New legislation will remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS) from 1 July 2022. Further regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall, combining both the new legislation and regulations for ESS participants and businesses may change traditional structuring of

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021) Passed(10-Feb-2022)

arrangements. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants

Royal Assent(22-Feb-2022)

in the future. These updates will commence for ESS interests entered into on or after 1 July 2022.

Date of effect(1-Jul-2022)

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.

Announcement(8-May-2021)

Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery

Consultation(12-Jan-2022)

action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Introduced(17-Feb-2022)

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Passed Royal Assent Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) The NSW Government has introduced a financial assistance package for small and medium-sized businesses under pressure in early 2022 as a result of COVID-19. Specifically, eligibility for the Small Business Support Program will be based on turnover levels in January 2022 or the first fortnight of February 2022. The program

Announced: 30-Jan-2022

is similar in nature to the JobSaver program available to businesses in NSW during 2021. Businesses will

Updated: 25-Feb-2022

receive payments based on their level of payroll if they have experienced a minimum decline in turnover.

Applications need to be made through Service NSW and close 31 March 2022.

APRIL 2022 | FIND MAROONDAH

31

APRIL 2022 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

PROPERTIES FOR SALE 132345 Feature Address Place Here A Short Description for this Property.

Offered at $000,000

O C

N I M

O S G

N O

ADVERTISE YOUR PROPERTIES HERE Email your Properties For Sale in the Find Maroondah and we will place it in the online community paper.

Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

APRIL 2022 | FIND MAROONDAH

33

34

FIND MAROONDAH | APRIL 2022

findmaroondah.com.au

FREE RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Maroondah each week and we will update your Listing in the online community paper for FREE.

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findmaroondah.com.au

NEW RENTAL LISTING HOSKINS 142 Maroondah Highway Croydon VIC 3136

03 9722 9755 croydon@hoskins.com.au www.hoskins.com.au

UNDER APPLICATION

$550 Per Week

Available now

Available now

Unit 7/196-198 Surrey Road, Blackburn VIC 3130 3

2

1

MORE DETAILS

$450 Per Week

2

2

MORE DETAILS

Available now

24 Buckingham Crescent, Doncaster VIC 3108 1

2

MORE DETAILS

56 Balmoral Street, Kilsyth VIC 3137 4

2

2

MORE DETAILS

$530 Per Week

UNDER APPLICATION

Available now

Available now

11 Adele Court, Ringwood VIC 3134

4

4

UNDER APPLICATION

Available now

3

72 Strathfield Parade, Croydon VIC 3136

2

1

MORE DETAILS

6 Penshurst Place, Warranwood VIC 3134 3

2

0

MORE DETAILS APRIL 2022 | FIND MAROONDAH

35

NEW RENTAL LISTING SURREAL PROPERTY GROUP P.O Box 2079, Bayswater 3153

03 9723 5288 info@surrealpg.com.au www.surrealpropertygroup.com.au

$375 Per Week

$385 Per Week

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5/26-32 Elmhurst Road, BAYSWATER NORTH VIC 3153

2

1

1

MORE DETAILS

96 Scoresby Road, BAYSWATER VIC 3153 3

1

1

MORE DETAILS

FREE OPEN INSPECTIONS IN THE REAL ESTATE Email your Open Inspections to the Find Maroondah each week and we will update your Open Inspections in the online community paper for FREE Contact Warren for all of your advertising needs.

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au

NEW RENTAL LISTING RAY WHITE CROYDON VICTORIA 71 Main Street Croydon VIC 3136 9725 744 croydon.vic@raywhite.com www.raywhitecroydon.com.au

$500 Per Week

$460 Per Week

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10 Burdekin Avenue Bayswater North VIC 3153 3

2

1

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105/32-34 Lygon street Brunswick East VIC 3057 1

1

$495 Per Week

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6/15-17 Norman Road Croydon VIC 3136 3

1

1

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3

1

$485 Per Week

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7a Taronga Cres Croydon VIC 3136 1

2

MORE DETAILS

MORE DETAILS

2/27 Wicklow Avenue Croydon VIC 3136

$450 Per Week

3

1

2

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6/12 Alfrick Road Croydon VIC 3136

2

1

1

MORE DETAILS APRIL 2022 | FIND MAROONDAH

37

NEW RENTAL LISTING RAY WHITE CROYDON VICTORIA 71 Main Street Croydon VIC 3136 9725 744 croydon.vic@raywhite.com www.raywhitecroydon.com.au

$750 Per Week

$400 Per Week

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3 Durang Court Croydon North VIC 3136

5

2

2

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3/20 Karingal Street Croydon North VIC 3136

2

2

$430 Per Week

$599 Per Week

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61 Blazey Road Croydon South VIC 3136

2

1

1

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4

3

$495 Per Week

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1

MORE DETAILS

2

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5 Sonia Street Ringwood VIC 3134

9 Conlan Way Lilydale VIC 3140

1

MORE DETAILS

309B Stud Road, Dandenong North VIC 3175

$440 Per Week

2

1

3

2

2

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NEW RENTAL LISTING STOCKDALE & LEGGO RINGWOOD 1/23 Ringwood St, Ringwood VIC 3134 P: 03 9879 6335 | F: 03 9879 8987 ringwood@stockdaleleggo.com.au www.stockdaleleggo.com.au/ringwood

$ 400 Per Week

$ 550 Per Week

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1

1

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6 Denman Street, Kilsyth VIC 3137 3

2

1

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FREE OPEN INSPECTIONS IN THE REAL ESTATE Email your Open Inspections to the Find Maroondah each week and we will update your Open Inspections in the online community paper for FREE Contact Warren for all of your advertising needs.

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au

APRIL 2022 | FIND MAROONDAH

39

NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

71 Main Street Croydon VIC 3136 03 9955 4988 9725 744 maroondah@fletchers.com.au croydon.vic@raywhite.com www.fletchers.net.au

$565 Per Week

$410 Per Week

Available Now 29/03/22

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2

2

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1/40 Cameron Road, Croydon VIC 3136 2

1

2

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$500 Per Week

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2

2

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Looking to market your

Warren Strybosch

Building Company in

1300 88 38 30

Contact Warren for all of your advertising needs.

editor@findmaroondah.com.au

OPEN INSPECTIONS

E L

P M

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croydon.vic@raywhite.com

www.raywhitecroydon.com.au

A S

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Jessica Elaine Exclusive Broker 1300 88 38 30 email@addresshere.com.au www.company.com.au

community paper for FREE. Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au

APRIL 2022 | FIND MAROONDAH

41

Maroondah C Croydon RSL Anzac March & Commemorative Service The Croydon RSL sub-branch in conjunction with Maroondah Council will be conducting the annual Anzac March & commemorative service on Sunday 24 April 2022.

The Maroondah community is being encouraged to take a moment on ANZAC Day to reflect on the sacrifices of those who have bravely served our nation in wartime, and to the men and women who continue to serve in military conflict and peacekeeping operations around the world.

The Croydon RSL sub-branch invites the local community to attend the annual Anzac March.

March details • • •

Sunday 24 April Commencing 2.30pm March starts at the corner of Hewish Road & Main Street, Croydon

Starting on the corner of Hewish Road & Main Street Croydon at 2.30pm, the march makes its way down Main Street, onto Mt Dandenong Road and into Civic Square, where it ends at James N Stevens Memorial Garden.

The march is lead by the Old Scotch Pipes & Drums and includes local Veterans and family members, Airforce Cadets, Guides & Scouts and historical military vehicles.

There are many great vantage points along the route.

ANZAC wreaths at James N Stevens Memorial Garden At the conclusion of the march, a commemoration service will take place which will include an official wreath-laying, and a recitation of the Ode of Remembrance and the Anzac Requiem.

Date and Time Sunday, 24 April 2022 - 2.30pm to 3.30pm

Anzac Dawn Service - Croydon Croydon RSL sub-branch will be hosting a Dawn Service on Monday 25 April 2022.

It was 107 years ago (1915) that our brave ANZAC sons landed at Gallipoli in an event that has gone onto shape Australia and its people.

ANZAC stands for Australian and New Zealand Army Corps.

The soldiers in those forces quickly became known as ANZACs, and the pride they soon took in that name endures to this day.

The 25th of April marks the anniversary of the first major military action fought by Australian and New Zealand forces during the First World War. • • •

Monday 25 April, 2022 5.45am to 6.30am Croydon War Memorial, Cnr Kent & Croydon Rd roundabout

Date and Time Monday, 25 April 2022 - 5.45am to 6.30am

Croydon War Memorial

Council News APRIL 2022

Community Grants Funding Program – Chin Community Victoria Inc The Community Grants Funding Program offers annual grants schemes to incorporated, not-for-profit community groups on an annual basis.

Financial assistance is available through three grant schemes.

The Community Development Grants Scheme, The Small Equipment Grants Scheme and The Emergency Relief Grants Scheme.

Community group Chin Community Victoria were able to utilise the Community Development grant scheme to purchase essential equipment for their fortnightly news videos.

“Our fortnightly community videos cover topics from news and entertainment to health and COVID updates.

Our volunteers were originally videoing these important community updates on their phone, but with the grant, we have been able to purchase decent equipment to produce these,” Chin Community Victoria spokesperson, Piang Lilian, said.

The grant also enabled the expansion of their school holiday program, so disadvantaged community members could enjoy free activities and day trips.

“We are a refugee community, with many not able to afford holidays. We were able to help those in the community to be involved in our school holiday program and come along on a day trip to Adventure Park in Geelong,” Piang said. Looking to the future, Piang hopes to further aid the Chin community by purchasing extra industrial sewing machines to upskill women in the community for future career opportunities.

“The funding is a great opportunity for any community group, big or small. We hope to continue to help our community with funding programs like these,” said Piang.

Learn more about the Community Grants Funding Program.

Find out how to apply for a grant

Pet registration renewals due in April Maroondah pet owners are reminded that pet registration renewal notices have been distributed in March, for payment

by Sunday 10 April 2022.

If you’ve recently welcomed a new furry member to the family, don’t forget that you need to have them microchipped and registered with Council.

Registration is an important part of responsible pet ownership and helps to keep track of your pet. All dogs and cats must be registered and microchipped by the age of three months.

Microchipping provides an extra level of protection should your pet’s collar become detached, and greatly improves the chances of your pet being returned to you if they become lost.

Find out more

APRIL 2022 | FIND MAROONDAH

43

Arts and Community funding grants now open!

Artists; not-for-profit; arts and cultural organisations; and groups are invited to apply for funding to support their projects through Council’s Arts and Cultural Grants Funding Program. for 2022/23.

The 2022/23 Community Grants Funding Program offers Funding for not-for-profit, incorporated groups to assist with projects or programs that make a positive contribution to the Maroondah community. The grants provide support for projects at any stage of the process and reflect the diversity of the Maroondah community.

Cr Mike Symon, Mayor of Maroondah, is proud to be able to support artist and community groups achieve their goals.

“The funding programs are great opportunities to realise an event, activity or program that will be of benefit to your, or the broader Maroondah community which might otherwise have taken years of fundraising efforts to raise the necessary funds,” Cr Symon said.

“The funding is also a great opportunity to upgrade and improve programs, fund equipment purchases, and assist

Score a hole in one at the EastLink Community Golf Day The Victorian Government has led four local government group procurements for composting of household food and garden waste. The eastern region group of Councils, of which Maroondah is a member, is the latest group to go through this process.

As a member of the eastern region group, Maroondah will be able to use a new composting facility that can accept food scraps with the garden waste. From May 2023, Maroondah will introduce a new Food and Garden Organics service, which means the fortnightly garden bin service will accept food scraps in addition to garden materials.

Find out more

with providing emergency relief,” he said. Read about Jazz at the Lake – 2020/21 recipient of Art and Cultural Grants Funding.

Read about how Community Grants Funding helped Chin Community Victoria achieve new goals. Grant applications for both the Community and Arts and Cultural Funding Programs are currently open, and close at 4pm, Wednesday 27 April 2022.

All grant applications must be submitted online via SmartyGrants.

Read more about the full application guidelines and criteria For more information, call the Community Development Officer or Community Cultural Development Officer on 1300 88 22 33, or email maroondah@maroondah.vic.gov.au.

Anzac Dawn Service - Ringwood Ringwood RSL will be hosting a Dawn Service on Monday 25 April 2022.

It was 107 years ago (1915) that our brave ANZAC sons landed at Gallipoli in an event that has gone onto shape Australia and its people. ANZAC stands for Australian and New Zealand Army Corps. The soldiers in those forces quickly became known as ANZACs, and the pride they soon took in that name endures to this day.

Find out more

Reusable Cloth Nappy Workshop Join us to celebrate Cloth Nappy Awareness Week and find out everything you need to know about reusable or cloth nappies.

Join us to celebrate Cloth Nappy Awareness Week and find out everything you need to know about reusable or cloth nappies.

The team at Darlings Downunder will remove the myths, outline the benefits and advise on how to use cloth nappies successfully. All attendees will receive a free cloth nappy. Places are limited and registration is essential.

Find out more

Pathways for Carers program Saturday walk The Pathways for Carers offers those caring for older people, or people with a disability or mental illness an opportunity to share walks together and to learn more about news, services and supports.

Read More

APRIL 2022 | FIND MAROONDAH

45

New state-of-the-art indoor cricket training centre for Jubilee Park Jubilee Park will soon be home to a new five-lane, state-of-the-art, multi-sport indoor cricket training centre.

Minister for Community Sport the Hon. Ros Spence visited the site on Tuesday to announce $2.9million towards the $4.1 million facility. The indoor cricket training centre will commence stage 2 of Jubilee Park’s enhancement plan and stand next to the new RO Spencer Pavilion.

Read More

LGBTI+ Peer Social Support Group (aged 50+) The LGBTI+ Peer Social Support Group is aimed at Maroondah Residents (50 years+) who identify along with their Ally & Friends Community.

The LGBTI+ Peer Social Support Group is aimed at Maroondah Residents (50 years+) who identify along with their Ally & Friends Community.

Read More

Saoirse at Wyreena Music Café Come and see Saoirse perform live at the Wyreena Conservatory Café. Each month on a Friday, Wyreena hosts a live musical event featuring some of Victoria’s most talented artists.

Each month on a Friday in the Conservatory Café, Wyreena hosts a musical event featuring some of Victoria’s most talented artists. Soak up the sounds in the relaxed and friendly atmosphere of the Conservatory Café, an intimate venue with excellent acoustics.

Read More

Maroondah Night Run Maroondah Night Run took place Friday 1 April, 2022.

About the event The 5km event is designed for all ages and athletic abilities.

Runners and walkers are welcome to join us for a glow filled evening through Ringwood Golf Course.

The 5km course sweeps through the 18 holes of Ringwood Golf and the course path will be illuminated by glow lights. This is a timed event - so you can try for a PB or relax and enjoy the scenic views of the golf course.

Every entrant who completes the course will receive a finisher’s ribbon. Water stations will be provided along the course as well as healthy refreshments at the end of the race to keep everyone well-fuelled and hydrated during the event.

All participants aged 12 years and 2 months in accordance with Victorian Government event regulations, require competitors to provide proof of vaccination at event entry.

APRIL 2022 | FIND MAROONDAH

47

Are you Not-For-Profit in Maroondah Area?

Advertise your events for FREE on the following pages.

Are you a NFP with an up-and-coming event? If so, email your event to editor@findmaroondah.com.au and we will place it in the paper for FREE.

Maroondah

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT EVENT ADVERTISEMENT

Kilsyth Scottish Country Dance Group Inc

Family Fun Afternoon ** Come along and join us ** ** Ceilidh Dances will be called ** ** You don’t need to know the steps ** ** Partners not required **

Sunday, 24th April, 2022 2.00 pm start Croydon Senior Citizens Cnr Mt Dandenong Road & Civic Square Croydon If you wish to join us can you please

Contact: Lori Evans on 0407 501 089 By 17th April, for catering purposes We look forward to seeing you then COVID:

All adults and children over 12 must be double vaccinated, proof of vaccination must be shown on the day, if not beforehand

Afternoon Tea provided Admission: Adults $8.00 Children over 12 $4.00 Children under 12 Free It would be appreciated if the correct money could be brought along on the day

NOT-FOR-PROFIT EVENT ADVERTISEMENT

Are you a retired or semi retired, over 45 years old and looking for daytime activities?

Ringwood U3A offers a variety of activities to keep your mind and body active.

Join us in our small and friendly organisation and share in a wide variety of classes.

We offer discussion groups, exercise, computer and language classes, art, craft and social groups.

Our classes are held at 2 convenient sites in Ringwood offering spacious and modern rooms and amenities with plenty of parking.

Check out the low cost membership on offer at U3A Ringwood info@u3aringwood.org.au

Norwood Secondary College presents...

Maroondah TOWN Club Inc. (Take Off Weight Naturally) meets every Thursday evening from 6.30pm.

Based on the DreamWorks Animation Motion Picture and the Book by William Steig

Meetings are held at St Margaret's Uniting Church hall, Hull Rd Mooroolbark.

We support all members to eat healthily, exercise and to loose weight.

Further information contact Kaye 0414984062 www.townclubs.com.au We are celebrating 50 years in October 2022.

Book and Lyrics by

David Lindsay-Abaire

Music by

Jeanine Tesori

Originally produced on Broadway by DreamWorks Theatricals and Neal Street Productions Licensed exclusively by Music Theatre International (Australasia).

All performance materials supplied by Hal Leonard Australia.

AUGUST 18TH 19TH 20TH 2022 KARRALYKA CENTRE

MINES RD, RINGWOOD EAST BOOKINGS: www.karralyka.com.au | Ph: (03) 9870 2888

APRIL 2022 | FIND MAROONDAH

51

Gift inspiration, Egg Hunt and entertaining at home.

We've got you covered this Easter with family friendly gift inspiration, an Augmented Reality Easter Egg Hunt in-centre and ideas for preparing the ultimate Easter grazing board.

The Ultimate Easter Gift Guide

Easter Egg Hunt

Explore our Easter gift guide to treat

Find the virtual eggs in centre to win!

Create an Easy Easter Grazing Board

than chocolate this year. All items are

Scan the QR code in-centre to access

Easter is in the air and we've taken

available at Eastland – so hop to it!

the clues and find the 5 hidden eggs.

all the guesswork out of what to

When it comes to Easter, gift giving

See the eggs come to life and once

feed your family with this delicious

isn’t customary, but with so many

you've found all 5, hop along to Guest

Easter-inspired grazing board.

Easter-themed goodies available, it’s

Services to claim your free chocolate

hard not to want to spoil your loved

and go in the draw to win a $500 Gift

ones with a little extra treat.

Card.

your loved ones to something more

Be Inspired

Find out More

Find out More

The Victorian Dining and Entertainment Program

Read More

Did you know you can claim back 25% of dining and entertainment purchases at Eastland?

The Victorian Government has launched the ‘Victorian Dining and Entertainment Program’, which offers rebates on dining and entertainment experiences across the state, with customers able to claim 25% back on eligible expenses. Each customer can claim up to $125 in combined rebates across the program.

Right now, you can claim 25% back on you bill when you spend at least $40 in an eligible hospitality venues at Eastland between Monday and Thursday. Dining on Friday, Saturday and Sunday is not included. You can claim at any of our eligible food retailers.

Cyclo Illuminato Cyclo Illuminato returns to Ringwood Town Square for the April school holidays.

Created and performed by world renowned performance artists Thomas and Wells, Cyclo Illuminator is a roaming performance on a super enhanced tricycle. Hilarious and surreal in equal measure.

Performance Times: Saturday 9th April 11am to 11:40am; 12pm to 12:40pm; 1pm to 1:40pm

Read More

Muffin Decorating Decorate your very own Amazing Ocean Muffin these School Holidays!

Thought Eastland’s Our A-Maze-Ing Ocean School holiday zone looked exciting? It gets better!

Seas the day, book your spot! Muffin Break are hosting ocean themed muffin decorating workshops throughout the school holidays.

Read More

What's On

Easter Gift Inspiration for Kids

Easter Gift Inspiration for Grown Ups

Preserving Our Oceans APRIL 2022 | FIND MAROONDAH

53

RETIREMENT Did you know?

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

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT We will look after your financial affairs so you can enjoy your retirement.

WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions.

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

APRIL 2022 | FIND MAROONDAH

findmaroondah.com.au

55

Find Retirement with ease and enjoy it.

RETIREMENT

By Warren Strybosch

Step 1: Start thinking about retirement regardless of your age I don’t know what the magic number is for retirement. In the past it used to be age 65 which fell in line with when you could apply for the Age Pension. Now that the Age Pension has increased to age 67, we are starting to see a shift and pre-retirees are starting to talk about age 67 as the new magic number.

There are still some self-funded retirees who like the idea of retiring at age 65 or even soon, given they won’t qualify for the Age Pension, but for most others, the trend is moving upwards in age and retiring later.

Regardless of the age, we encourage everyone over the age of 55 to start thinking about their pending retirement and to consider taking ‘mini-retirements’ now rather than waiting until fully retired.

I will speak more about ‘mini-retirements’ in the next edition. Ideally, we want our clients to consider retirement even earlier than age 55 but as we all know, with the pressures of a mortgage, kids, school fees, and so on, it is hard for most people to give retirement any thought until their later years. When we say consider it, we mean to start planning for it. The sooner you start putting a strategy in place, the better off you will financially be in retirement.

Regardless of your age, it is important to give retirement some consideration for the simple fact that superannuation is now capped. What do I mean by capped? The government changed the laws in 2009 to reduce the amount someone could contribute into superannuation in a given year.

Currently the two main caps are the Concessional Cap (CC) of $27, 500 and the Non-Concessional Cap (NCC) of $110,000. Now that there are restrictions placed on how much can be placed into super each year, everyone needs to consider what amount above the Superannuation Guarantee Contribution (SGC), currently 10%, should be placed into superannuation, at least up to the $27,500. There are other caps but for now we are concentrating on the two most common ones.

The benefit of placing additional funds into super, especially when interest rates are low, is that for every additional $1000

Social Security rates increase Social Security pension and allowance rates increased on 20 March 2022 as a result of indexation. The following tables summarise the latest rates and cut-off thresholds for pension payments (eg Age Pension, Service Pension, Disability Support Pension, Carer Payment).

Per Fortnight

Per Year

Single

$987.60

$25,677.60

Couple (combined)

$1,488.80

$38,708.80

Full Pension

Part Pension

Single-homeowner

$270,500

$599,750

Single-non-homeowner

$487,000

$816,250

Couple-homeowner

$405,000

$901,500

Couple-non-homeowner

$621,500

$1,118,000

Asset Test thresholds:

Income Test thresholds: Full Pension

Part Pension

Single

$180.00 pf

$2,155.20

Couple (combined)

$320.00 pf

$3,297.60

you place into Super up to the CC, assuming you earn more than $45,000, is that you are saving yourself approximately 17.5% or more in tax (marginal tax rate of 32.5% less 15% tax in super = 17.5%). That is a 17.5% return without having to think about it. Then that 17.5% return is going to be working for you and is likely to return more than your current loan interest each year. I tend to look at this way. If I can get a return that is at least three times better than the current interest rate I am paying on my home loan, and with the large initial return of 17.5% (that tax savings in the first year), I may consider placing more funds into super rather than placing more money onto my mortgage. With interest rates being so low, I like the idea of placing more funds into super but as interest rates rise, I will have to reconsider this approach.

Even if you do have a mortgage but you’re earning a bucket load of money and want to reduce tax, the first thing you should be doing, before anything else, is making sure you are maxing out your CCs.

you are building up. I will talk about personal insurances in a future edition – and I don’t mean just take out default cover in an industry fund. That type of advice is out of date and will likely you cost you more over the long term.

What is interesting, is that anyone young, who starts to implement the above, will have a considerable amount in retirement that they might not need to have to do anything else. Starting early is the key. The sooner you start the better your superannuation balance will be.

When the simple things have been done then we can discuss other ways to make money and save on tax. There are plenty of options but as you will learn, they come with a lot more risk.

In my next edition we will talk about spending plans, future goals, and minretirements.

This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any

I often tell my clients to keep things as simple as possible. Do the simple, less risky things first, before venturing into higher risk or larger debt investments.

The two simple things anyone can do is a) max out their CC for themselves and if they have a partner, do the same for them, and b) make sure you have enough personal insurances in place to protect you, your family, and the assets

error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Warren Strybosch You can call them on 1300 88 38 30 or email info@findretirement.com.au www.findretirement.com.au APRIL 2022 | FIND MAROONDAH

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Rebirth Yourself RETIREMENT

By Bernard Kelly MBA

Once you exit the paid workforce, don’t bother trying to find another job.

Why? Well the elephant in the room are those workplace health and safety insurance policies, which can frequently exclude any employee aged over 70.

Consequently, for modern elders, second career options can be rather limited.

However, self-employment is a viable alternative and developing a “profitable hobby” is perhaps the best route.

This form of self-employment offers multiple benefits, including the income expanding your friendship network maintaining your zest for living.

And because it is a hobby, it’s not work.

It’s something that you enjoy.

On the other hand, as it is a hobby, something enjoyable that you do parttime, don’t expect that it will generate a substantial income (although it may well do).

So the associated benefits are probably more important.

In particular, as your clients share similar interests to yourself, you’ll find that, over time, your clients will become friends.

For example, if you were selling dog collars, your conversations would evolve naturally into all things doggy, and a friendship would emerge.

HOW TO START

Some options to make it easy for desperate parents to find you is to (1) build your own (free) Google website – name it Last Minute Children’s Gifts – and they will find you.

And of course, you would (2) also list “flower presses” as a free advertisement on various sites such as eBay and Marketplace.

If you’ve never been in business for yourself previously, you can ease yourself into the game by buying and selling something simple.

The key is to emphasise your solution to a parent’s desperation.

Let’s consider flower presses. These are traditional gifts that young children give as birthday presents, and you can buy these in quantity from haberdashery stores.

Now flower presses are educational toys, so consider marketing a package of two (in each sale):

However, you’ll find “success” with this venture if you focus on desperate parents who need – urgently – a gift for next Saturday’s birthday party.

These parents are typically uber-busy, and stressed, and willing to pay whatever you ask – as long as you guarantee rapid next day dispatch.

To them, price is not the concern. Service delivery is the critical component of the sale.

DOUBLE YOUR SALES

one as the gift the other to remain with their family It’s like catching two fish with one hook, eh?

Contributing editor Bernard Kelly MBA is a modern elder with a goal is to maintain his zest for living. bernardkellygeelong@gmail.com

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

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General Insurance We specialise in the following:

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• Home & Contents

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We work with only the most reputable insurers to bring you a range of insurance options for you to choose from:

When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing.

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CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

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Melbourne’s Best Kept Parenting Secret Einstein once said: “We cannot solve our problems with the same level of thingking we created them. Likewise we cannot solve our current issues for the generations today with the same thinking, rules and conditioning of the past!

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We are open and here to support your business.

Signarama Mitcham PRODUCTS

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Mark has a varied work experience, including 12 years in manufacturing as a manager and 19 years as a financial planner. He uses his wide range of experience and knowledge to quickly identify the right course of action, and uses his expertise to help you solve any problems.

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

Contact Us

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

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

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SPORTS

Match Report - Lady Legs Blitz Tigers at the Bay Coming off a commanding victory last week, the focus was firmly on atoning for a heavy 73-point defeat in Round one against last year’s premiers in Glenelg.

In what was a beautiful night for football down at the bay, the challenge was on. Our Lady Legs were up for the fight. A fast start was asked for and the girls delivered just that. The heat was on, the game was being played at a fast pace and the intent was evident from our girls early that they meant business, kicking two goals into the wind to set up a six-point lead at the first change. Glenelg lifted the work rate after quarter time, which meant we had a game on our hands.

Kicking with the aid of the breeze the girls managed to score one major which was soon answered. The workaround the stoppages was fantastic with Leah Cutting back from AFLW duties giving us first use on most occasions which had a major impact on our ball-winning ability. Half time had the girls with their noses in front still by six points.

day, our midfielders were working overtime and our forwards worked tirelessly to lock the ball inside forward 50. A four-goal to zero last quarter completely blew Glenelg off the park, Alana Lishmund became the focal point having an absolute purple patch kicking three goals in a short time to finish the game with four. A late goal to Cutting sealed the deal, to see the Lady Legs run out winners by 27-points.

The third quarter was a real battle with stoppage after stoppage, the game had become very contested. The focus was on keeping Glenelg at bay, while they had the breeze and stopping them from scoring. Although we did not score, Glenelg was kept to three points only.

Dominate performances once again by the youngsters in Sachi Syme, Alana Lishmund, Lana Schwerdt, Jade Halfpenny and Tesharna Maher were complimented by the experienced heads of Leah Cutting, Sophie Armitstead, Nicola Burns, Ali Ferrall and Ashlee Gould.

Heading into the last quarter with a three-point lead, the Lady Legs were challenged to fight hard, be desperate and lift the work rate. We’d saved the best till last, right from the first bounce it was clear that the girls were not going to let this game slip. Our defence was rock solid as it had been all

SCOREBOARD: NORWOOD: 2.0 31. 3.1 7.2 (44) GLENELG: 1.0 2.1 2.3 2.4 (16) GOALS: Lishmund 4, Cutting, Mulhavil, Rusden BEST: Maher, Lishmund, Cutting, Armitstead, Syme, Gould

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Religious Groups and Churches

Croydon Hills Baptist Church Pastoral Team Senior pastor - Andrew Harris Karen Pastor - Moo Hei NextGen Pastor - Matt Moran Worship Pastor - Leah McCormack

Services • English Sunday 10am • Karen Sunday 1pm • English Sunday 6pm

Transform Pastor - Ben Dickson Community Engagement - Gitta Clayton Children's Co-Ordinator - Meagan Dickson Youth Co-Ordinator - Mat Weller

6 Bemboka Rd, Croydon Hills VIC 3136, Australia +61 39876 4503 | 0405 507 118

Ringwood Church of Christ is a community of believers that love God, love others and love our community. Our services and ministries reflect a wide and generous orthodoxy, and involve people from all walks of life. We seek to live out the gospel in the city of Maroondah in practical and transformational ways.

Hope City Church About us Hope City is a community partnering with Jesus to see His Church grow and to see people encounter God’s presence and be transformed by His Spirit

Ringwood Church of Christ

and Word. We look to empower every believer in God’s purpose for their life so that the 7 Mountains of society will be impacted by God’s kingdom. We see a Church where every person experiences the goodness of God in their lives through energetic praise and intimate worship.

Services 10 AM Sundays – main worship service Also streaming on Facebook Live

Our Online Services Sunday 10am and 6pm.

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

www.ringwoodchurch.org.au

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Canterbury Gardens Community Church Our Mission Why do we exist?

We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE

RINGWOOD COMMUNITY CHURCH Connecting People With God And One Another Services: Sunday 10 AM

(Ephesians 4:16) each other to love God and others and deploy every follower of

Livestreamed: myrcc.co/live

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1 Tamar St, Ringwood VIC, 3136

9:00AM service and 10:30AM family service Night service monthly 5pm

(03) 9870 0102

281-283 Colchester Rd, Kilsyth South VIC 3137 +61 39720 7121

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

9am Service at St Marks Wonga Park, cnr of Toppings Rd and Yarra Rd Wonga Park

•

10:39 am at St James Croydon Hills , 21-23 Bemboka Rd Croydon hills

0417679682 (03) 9876 2600

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the business is advertising their offer).

notified of these changes via email or via the Site.

Present Find Card

The Find Coupons and its Offers are intended for the

You are required to present your Find Card at any

non-profits use of the individual purchaser of the Find

participating businesses if you wish to secure the

Cards &/or Find Coupons. Additionally, the use of the

discount or goods/service being offered.

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

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

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

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

APRIL 2022

Maroondah

www.findmaroondah.com.au