Find Maroondah - August 2022 Edition

Maroondah The

AUGUST 2022

WHAT’S INSIDE:

05

COLUMNIST ARTICLES

15

COMMUNITY MEALS & FOOD RELIEF

28

TAX UPDATES

32

WEEKLY RENTAL LISTINGS UPDATES

40

MAROONDAH COUNCIL NEWS

72

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on Page 04

KiR ARCHITECTURE kathy@kirarchitecture.com

BEAUMONT GROUP

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

ARCHITECT

MORTGAGE BROKER

KATHY ISMAIL

OCCUPATIONAL HEALTH & SAFETY

REECE DROSCHER BOOKKEEPER

GENERAL INSURANCE

CRAIG ANDERSON

EDITOR | WRITER

SUSAN PIEROTTI

LACTATION CONSULTANT

SIGNAGES

GLENN MARTIN

JOANNA STRYBOSCH NATURE & CONSERVATION

HERITAGE & HISTORY RINGWOOD & DISTRICT HISTORICAL SOCIETY

MARK FELTON

HEATHERDALE COMMUNITY ACTION GROUP

ELWYNNE KIFT

LEAH EGAN

NATUROPATH

KATHRYN MESSENGER

LIZ SANZARO

RUSS HAINES

MARKETING CONSULTANT

SOLICITOR

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Are you our next Lawyer?

CLUB SPONSORS

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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 Wednesday September 8, 2022. Advertising and Editorial copy closes Monday Sempeber 5, 2022.

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Helping those in need.

By Warren Strybosch

With food and petrol prices on the rise and now interest rates putting pressure on new homeowners, people are starting to find it hard to put food on the table.

essentials they require to get by on a day-to-day basis.

Already, we are hearing stories of families having to go without. With likely interest rate rises continuing to occur this will place even more pressure on those families already struggling to obtain the

In this month’s edition we have tried to find some organisations in the local area who may be able to help those families doing it really tough and require some additional support. Started on page 14,

we list some of these organisations that are providing food relief, a community meal, and/or shelter for the night.

We want to thank these organsiations for the work they do in looking after our community.

Cat Curfew

By Jodie Moore

There appears to be a growing trend amongst Melbourne councils to bring in stricter policies when it comes to cat ownership. In April 2022, Knox Council implemented a 24/7 ban on domestic cats leaving their owner’s property.

There will be a 6 month grace period where only warnings will be issued but then this will change to a $91 fine for first time offences, then jump to $545 for subsequent breaches starting in October 2022.

In July 2023, Bass Coast Shire Council will also implement a 24/7 ban on cats straying from their owners property. They intend to have a 12 month education drive in the lead up to this ban.

Manningham Council have announced that they will be implementing a trial 24/7 ban but have not yet announced a date for this.

The general consensus for this growing trend is to protect the wildlife with a side note about protecting the cats themselves from injury and illness.

Protecting the wildlife is important and a night curfew will help with this, but I think it is up to the cat’s owner to worry about illness and injury. However, what about the consequences? Many outdoor cats help to keep the rodent population down. Will we suddenly see a spike in

rats and mice throughout these Councils and neighbouring councils, potentially causing much bigger problems?

There doesn’t appear to have been much thought given as to how local households will be able to implement this.

Simply building a cat run or enclosing your property in a high fence will be costly (and potentially unsightly) and prohibit many low-income families from doing this. Locking cats up, particularly older cats that are used to being outside seems cruel and is no better than locking up a wild animal in a cage at the zoo.

Families who are renting will likely be unable to get permission from their landlord to build an enclosure as well.

Will this lead to a lot of cats having to be rehomed because the families can’t afford to cat-proof their property?

As I am sure you can guess, I do have a cat. She is a beautiful tortoiseshell DMH

who loves being outside as well as inside.

We have a number of cats in our street, and once they established their pecking order, they all seem to get on really well and we quite often find one or two other cats sitting near or in our front yard a couple of metres from our cat. Although they don’t sit together, it appears they still like the company of each other. We ensure our cat comes inside overnight, as do our neighbours and often that means she has to come in by 4pm in the summer otherwise she hides from us so she can stay out. Our house also doesn’t get a lot of sunshine inside throughout the day so she would miss out on that precious light if we were to keep her in 24/7.

What are your thoughts on a 24/7 ban on cats leaving their owners property?

Email us at editor@findmaroondah.com. au and we’ll publish your comments next month.

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AUGUST 2022 | FIND MAROONDAH

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Employers Responsibility – Staff Working From Home

GENERAL INSURANCE

By Craig Anderson

Working from home was unexpectedly thrust upon many employees and employers due to COVID – 19 and due to the unplanned nature of the circumstances, both parties have had to rapidly adjust their thinking. Employers are still responsible, from a duty of care perspective, for staff safety while working from their own home, which is to put it mildly, “challenging”.

If you try to imagine a standard office space, you probably don’t consider the lighting level, the testing and tagging of equipment, the ergonomic furniture, the ambient temperature, the hands free phone head set, and a host of other things like the boiling water tap with safety features. You probably won’t imagine the planning it took to eliminate trip hazards, eye and ear strain, back strain, mental stress and fatigue and other stressors. Now look at a home work environment. Possibly no ergonomic furniture, trip hazards galore, cords

everywhere, low lighting, no testing and tagging, noisy pre-schoolers interrupting, dogs barking and a whole host of other potential issues. Having said that, how employees spend their free time is up to them, however the environment in which they spend work hours is really important for their wellbeing, and the employer is still responsible for any injuries they suffer, even when they work from home.

The connection to insurance is straightforward. Following a serious injury “at work” like an electrocution, slip and fall, serious burn, or laceration for example, an employer may be prosecuted by WorkSafe after an investigation if they have contributed due to lack of care or failure of due dilligence. However; if the employer has audited the home work environment and made every attempt to eliminate wherever possible all of the hazards, and if the employer has Management Liability Insurance including Statutory Liability, the insurer may legally defend the claim or pay fines where appropriate and avert a possible conviction where unwaranted.

If this is a situation currently causing you concern, and you’d like to explore.

Management Liability Insurance to protect you and your assets, please contact us for a preliminary no obligation discussion.

Please also consider engaging an OH&S Consultant to ensure all due diligence is exercised, as this may help insurers to view your business as a “good risk”.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs.

Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

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Do you understand what you must do when your workers are working from home?

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

•

Occupational Health and Safety Laws still apply if workers are working somewhere other than their usual workplace, including from home. Your obligation to ensure your workers’ health and safety remains, even if they are working from home.

Safe Work Australia have outlined steps that you can take to minimise risks at a worker's home, which may be different to what you can do at your workplace. In consultation with your workers and their representatives, you should: •

•

•

provide guidance on what is a safe home office environment, including what a good workstation set up looks like, why workers should not be sedentary all day and how to avoid this allow workers to borrow any necessary workstation equipment from the office to take to the home as agreed require workers to familiarise themselves and comply with good ergonomic practices, consistent with any workplace policies and procedures, for example requiring workers to complete a workstation

self-assessment checklist and provide their responses to you maintain regular communication with workers provide access to information and support for mental health and wellbeing services.

Beyondblue has a freely available website or you may have an existing employee assistance program (EAP) you can promote, and appoint a contact person in the business who workers can talk to about any concerns related to working from home.

You must also give consideration to, and consult your workers, on how your existing policies and procedures will apply with them working from home, including: •

•

notification of incidents, injuries, hazards and changes in circumstances consultation and review of work health and safety processes, and attendance, timesheets, leave and other entitlements and arrangements.

If you deem it necessary, you may wish to consult with workers for an inspection of their home work environment to ensure it meets health and safety requirements.

You may be able to do this via virtual means, including photos or video. If the potential risks involved are complex, you may need to engage the services of a health and safety professional to assess the risks to a worker working from home.

As always, it is important to document these processes.

We assist business owners identify what they need to have in place, and then ensure effective systems and documentation are implemented, including carrying out audits and the preparation of subsequent reports.

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 www.thebeaumontgroup.com.au

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AUGUST 2022 | FIND MAROONDAH

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Ringwood’s Horticultural Shows HERITAGE & HISTORY

By Russ Haines OAM

In 1896, when local orchardists met to discuss ways of overcoming their difficulties with pests and fungus diseases and their marketing problems, they decided to form a Ringwood and District Horticultural Society, and hold annual shows and have exhibits and competitions according to season. The first show was held in March when the fruit was at its best and attracted hundreds of entries. Tents (or marquees) were erected next to the Club Hotel [later Daisy’s, then Costello’s, now demolished]. People came from everywhere in crowded buggies, carts, jinkers, and gigs to admire the large rosy apples and the perfect tonings of the cut flowers, and savour the scones, cakes, and biscuits. As well as displays of fruit, there were sections for jam-making, cooking and sewing, and for many years there were maypole dances by children, woodchopping competitions and foot races.

From 1926 however, no show took place, but it was 'resuscitated' with 'enthusiasm and much success' in 1934, but again declined and was finally disbanded in

1938. There were other activities to try and support the fruit growers. In 1902, for example, there was an enthusiastic meeting held in the Ringwood Hall on 29 January to discuss having a co-operative jam factory in the area.

In 1908, the Ringwood Horticultural Society consisted of 58 members, all of whom were fruit-growers. Although a fruit and flower show was held each year, there was also an attempt to make the Society an all-year interest by demonstrations in orchard work and lectures on the industry generally.

Members co-operated in trials of preparations thought useful in combating fruit problems. For example, one year they sent to the USA for a consignment of Swift's Arsenate of Lead, which was then regarded as the best means of attacking Codlin Moth in Apples, but its effect on the user was quite unknown. As a body, the society supported the regulations under the Vegetation Diseases Act, which prevented the sale of codlin-infested fruit to the public, but some thought the 'grubby' apples could realise a profit if cored and dried in small local factories.

Samuel Maggs was particularly opposed to 'legislative interference' in the fruit industry, and he maintained codlin

affected fruit was not injurious to public health. At a public meeting held under the auspices of the Society on 18 June 1909, J.B. McAlpin moved for a cool store at Ringwood and suggested a site near the Railway Station. The motion was carried unanimously, and a Committee consisting of Mackinlay, McAlpin, Hann, Grant, and Gill was appointed to carry out the resolution.

It is significant that this move took place in 1909, which was a record year for exporting fruit. Over 7,000 cases from the Ringwood district had been forwarded through the local agent, McAlpin, to Germany in this particular season. An approach to the Government brought an assurance that a cool store would be erected if the Society could guarantee to find 4 per cent of the cost.

By November 1910, the Secretary of the Agricultural Society was able to report on the construction progress of a store to hold 10,000 cases of fruit at a cost of nearly £5,000. The meeting decided to have the official opening in conjunction with the annual show which was to be held on 17 and 18 March 1911, and this was carried out by the State Governor, Sir Thomas Carmichael.

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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 Services Website.

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

Find Aged Care Services 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@findagedcare.services visit our website at www.findagedcare.services

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Springtime allergies NATUROPATH

By Kathryn Messenger

I do like Spring, it brings the promise of warmer weather. I particularly like wattle, the way it blooms well before the weather has begun to warm, like a promise that winter won’t last forever.

But for many of us, springtime has a unique set of problems: hayfever and allergies.

Symptoms obviously depend on what allergens your body is sensitive to, and the degree of sensitivity will determine the severity of your symptoms. Those with asthma or eczema in their family often have increased genetic sensitivity.

What’s going on?

An allergen enters the body and triggers an immune response to defend against the allergen. Mast cells (part of the immune response) release histamine which causes inflammation, usually in the nose, throat or skin.

What’s going wrong?

In someone without allergies, histamine is easily cleared from the body by enzymes called diamine oxidase (DAO) and histamine N-methyltransferase (HNMT).

However, if these enzymes are impaired, the histamine can cause a range of allergic responses. Your body needs vitamin B6 and vitamin C to produce

DAO. Be sure your diet includes oily fish, green leafy vegetables, and citrus fruits to provide these nutrients.

Digestive issues such as small intestinal bacterial overgrowth (SIBO) can also cause problems, as some strains of unhealthy gut bacteria produce histamine. This can be alleviated by specific probiotics. See a naturopath or nutritionist for the right strains of probiotic, as some strains can exacerbate SIBO symptoms.

What to do?

Whilst fermented foods have great health benefits, they are high in histamine and should be avoided in times of allergy.

Slowly defrosted frozen foods are also high in histamine. Sulphites used as a preservative in some alcoholic beverages and in brightly coloured dried fruit, can also trigger an allergic reaction.

Prevention If you’re susceptible to springtime allergies, the following nutrients can be taken in the lead up to and during Spring to help with histamine clearance and strengthening the immune system:

Herbs such as Echinacea can also be used to regulate the immune system.

If you suffer from a blocked or runny nose, slow breathing exercises can also help. Sit up straight and inhale through your nose for 3 counts. If possible, hold for a few counts, then slowly exhale through the nose for 5 counts. Do this for 15 minutes without talking and adjust the length of the count to what feels comfortable.

Whole Naturopathy has a range of antiallergic herbal medicines and homeopathy stock and can choose the best remedy for your unique signs and symptoms. We can also order in a large range of nutritional products to support you through the Spring.

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see

• • • • • •

vitamin B6 & B12 vitamin C vitamin D quercetin omega-3 fatty acids (found in oily fish) bromelain (an enzyme from pineapple)

a naturopath or other health care practitioner.

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

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Why Artificial Intelligence will never replace writing by a human

how we write depends on who we are writing for, why we are writing it and what platform we are using.

If you are writing an essay for school or a paper for university, you will be expected to write in a formal style. If you are writing to your child’s schoolteacher, you will write in a way that explains the issue simply and logically. If you are writing a brochure for your business, you will write more persuasively and perhaps more as we speak.

Let’s say you are promoting a special offer from your automotive workshop.

You design a brochure and write on it: ‘Need a car battery now? Just pick up the phone and give us a call!’ We recognise this style as marketing to people who have a specific need but are too timepoor to read a lengthy piece.

ACCREDITED EDITOR

By Susan Pierotti

Scientists, engineers, inventors, entrepreneurs and just about anyone in IT are excited about the seemingly unlimited possibilities that Artificial Intelligence (AI) will bring to our lives.

However, others are concerned about the control we have handed over to computers and many are worried about their job futures.

One area that AI fans talk about is the ability of computers to ‘write’ for us. To a very limited extent, this is true. But fear not, humans will always be preferred to AI when it comes to the written word. Here’s why.

Right word As anyone who has a computer knows, there’s a thesaurus that comes with most computer software packages. (In Microsoft Word, it’s in the Tools drop-down folder.) The first thesaurus was compiled by an Englishman, Peter Roget, over two hundred years ago as an aid to finding the best word from a group of words with the same or similar meanings.

Our computer thesaurus lists individual words but we humans need to know the subtle meaning behind each one.

‘Just pick up…’ is in what is called imperative tense. AI software hints that this is commanding or giving an order, so it suggests ‘You could pick up...’ or ‘Please pick up…’ Suddenly, your message has just lost its punch. You need to persuade someone to buy from you (what is called in business marketing jargon a call to action or CTA), yet AI has turned it into something akin to begging.

For instance, say you were writing about your local council’s services. You have written the phrase ‘hard rubbish collection’ many times and want to vary it so your writing is not repetitive. The thesaurus will suggest ‘difficult’ or ‘brutal’ as a replacement for ‘hard’, and ‘drivel’ or ‘codswallop’ for ‘rubbish’. Your council may be astonished to find that they deliver ‘brutal drivel’! It is we humans who put meaning to the words and make our writing (and reading) understandable.

Fragile or frail?

English is a glorious language because of the multitude of words with the same meaning but with slightly different nuances. (People who are learning English say it is horrifically difficult for the same reasons!) English picked up its wide vocabulary due to successive invasions. The Normans from France conquered in the 11th century and French was fashionable in the 16th. Both left us words that were similar.‘Fragile’ and ‘frail’ are two such examples. However, a human knows that a parcel is fragile but someone who is chronically ill is frail – AI doesn’t.

What do you really mean?

We write the same thing different ways depending on the who, the why and the what. To take a tip from marketing,

Humans hear meaning behind the text that we read. We hear and relate to the tone of voice, we recognise particular ways of writing and feel empathy when it is written in the way we would say it.

AI provides wonderful shortcuts but cannot differentiate between shades of meaning or understand how we perceive meaning in our word choices.

As far as connecting to another human being through the written word, AI comes a long way behind. We are safe!

Contact us at info@creativetext.com.au if you would like help with writing business content, life story telling or editing.

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

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AUGUST 2022 | FIND MAROONDAH

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Putting the Skids Under Your Club Peter Horton

No one wants to see their club go out of existence but it can happen if members are not fully committed.

Here are just some of the reasons that can lead to the demise of a club: Members don’t attend club meeting or support social activities.

Members find fault with the club’s office bearers – ie the board – keep in mind that at most club’s board members are voted in by the members.

Members openly state they are not interested in joining the board and never seek nomination to take up a specific role.

Members see the club’s membership declining but rather than support the club in seeking to add new members they sit back and do nothing about it. Members are slow or forget to pay their annual fees – a significant revenue

stream that helps keep the club afloat.

Members need to be informed about how the club is travelling – if members are not informed it is an easy excuse for them to say they ‘never know’ what is going on.

Members can be guilty of worrying more about what happened in the past than what the club needs to do to secure its

future. Members are happy to criticise but they need to be constructive in their criticism.

No one wants to see their club go out of business of for that matter be forced to merge with another club of a similar nature.

Think about it – get involved – come up with ideas – keep your club alive.

Mibenge Nsenduluka (Australian Associated Press)

A newly discovered 401-metre cave measuring the equivalent of three Sydney Harbour Bridges has set a record as the deepest in Australia.

An elite team of cavers from the Southern Tasmanian Caverneers discovered the cave – which has been named Delta Variant – on Saturday, after 14 hours underground and following six months of preparation.

Australia’s deepest cave found in Tasmania

It is connected to Tasmania’s Niggly and Growling Swallet cave system, northwest of Hobart. I was definitely nervous, you feel aware of your own mortality,” team member Ciara Smart said.

“Although you know you’re safe, it’s very intimidating and the sound as well – it’s a constant roar of the waterfall. You can’t hear anything above your own breath, it’s scary at times.”

The cave was named after a COVID-19 variant “to remind future cavers of contemporary events” The team entered the cave about 11am on Saturday and emerged at about 1.30am on Sunday.

They faced challenging conditions

underground due to high water levels. “The cave was exceptionally strenuous,” caver Ben Armstrong said.

“It was extremely vertical, requiring hundreds of metres to be ascended

and descended on ropes.” The cave lies metres away from the entrance to the Niggly System, which was discovered in 1994 and at 397 metres was previously the country’s deepest known cave.

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ARCHITECT

By Kathy Ismail

During Covid, you may have noticed houses being built with steel frames.

Australian homes have been built with steel frames for over 50 years, but due to the shortage of available timber, steel frames have become the medium of choice for many builders.

Is steel better than timber? Well, yes … and no. Here we list the pros and cons so that you can make a more informed choice.

Pros Steel boasts the highest strength-toweight ratio of any current residential building material. This means your home and its foundations can stand up to stronger winds, fiercer storms and even the occasional lightning strike.

Speaking of foundations, steel stumps last much longer than the old timber stumps. Galvanised steel stumps are made practically impervious to rust, making them superior in every way to any other building stump material. Steel is highly resistant to mould and copes better with water damage than wood does. Galvanized steel or zinc coating treatments also increase rust resistance.

Timber framed homes (brick veneer) develop cracks, and parts of the house can subside after a few decades.

Restumping, filling in and plastering can be expensive. Steel contracts and expands with the temperature and is therefore unlikely to crack or sink.

With a steel-framed home, you will never be troubled by termites again. Steel has low maintenance needs. If you maintain it regularly and address small damage in a timely manner, your steel building’s lifespan can increase, from 150 years to more!

Steel frames can be quickly readymade before transportation to the site for fast assembly. No heavy equipment is necessary. Steel components are made from extremely strong light gauge steel and are manufactured with prepunched holes for running piping and electrical wiring, minimising preparation work and additional labour.

Steel framed homes provide homeowners with customised cladding options such as brick siding, wood, cement and vinyl. You can also easily remodel your home’s steel frame as non-loadbearing walls can easily be removed, altered, or

The pros and cons of steel-framed houses relocated. Steel frames come in a wide range of sizes and shapes, much more so than standard timber.

Steel’s inflammability limits the spread of fires. Cap your home with a Colorbond® roof and your risk of fire drops dramatically.

Steel is not made of hazardous chemicals; therefore, it causes minimal site impact and does not require more processing when it is reused. All steel products are 100% recyclable, reducing building waste from your construction site. As it is chemical-free, there is no need to treat it with pesticides and other chemicals.

Cons Steel-framed houses suffer from relatively poor insulation and low energy efficiency.

Steel window and door frames suck the warmth out of your home by up to 60%, resulting in more expensive heating and cooling bills.

Steel retains only 50% of its normal strength when exposed to temperatures over 288 degrees. Residential house fires can reach 600 degrees.

Rust can become a real problem, especially when metal is exposed to leakage for long periods of time. If left untreated, the infrastructure’s stability can be affected by rust, leading to costly repairs.

Steel-framed homes have limitations when it comes to roofing design as they

rarely have high pitches or dormers.

Steel frames are more expensive than their timber-framed counterparts. Tradies can charge more to work with steel compared to timber. To install steel frames, builders need special tools.

Making metal frames will cost between 10% and 20% more than timber frames.

Add to that additional insulation costs, rust prevention and any extra work when adding or modifying walls.

Steel itself is environmentally friendly but steel manufacture remains one of the world’s major polluters. Steel mills leave a huge carbon footprint at every step of steel production process.

In a coastal environment, using steel frames is risky. As steel is highly corrosive, the combination of water, wind and sand can negatively impact steel framing.

Still confused? When you’re planning a new home or developing a site with multiple apartments, why not talk to an architect who will be able to give you great advice for your particular project.

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

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List Your Aged Care Facilities with Find Aged Care Services Website 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 Services (www.findagedcare.services) 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@findagedcare.services.

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 multiaward 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.

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Community meals and food relief

Community meals Agency name

Frequency of operation

Location

Current services

ADRA Community Care - Croydon

Thursdays, 5.30pm – 6:30pm

ADRA Community Care - Croydon, 17-19 Surrey Rd West, Croydon

Groceries, take away meals and material aid

Winter Shelter

Wednesdays, 5.30pm

St. John the Divine Anglican Church, Toorak Ave, Croydon

Take away meals

Winter Shelter

Fridays, 5.30pm

149, Maroondah Highway, Ringwood (next to Urban Life)

Take away meals

The Dining Room Mission

Tuesdays, 5.30pm

St. John the Divine Anglican Church, Toorak Ave, Croydon

Take away meals

The Kiosk-Croydon Soup kitchen

Saturdays, 5pm to 6.30pm

Keystone Hall, 9 Civic Square Croydon

Take away meals

Ringwood Church of Christ

Thursdays, 12pm to 1pm

Ringwood Church of Christ-13 Bedford Rd, Ringwood

Sit down lunch

Croydon North Uniting Church

Tuesdays, 11.30am-12.30am

387A Maroondah Highway, Croydon North

Sit down lunch Ph. 0481 338 738

Glen Park Community Centre

Third Wednesday of the month, 6pm-7pm

Glen Park Community Centre, 30 Glen Park Rd, Bayswater North

Phone 9720 5097 for further information

emergency food relief Agency name Maroondah Community Assist - Croydon Maroondah Community Assist- Ringwood

Frequency of operation Monday to Friday, 9.30am to 1pm Monday to Friday, 9.30am to 1pm *Office will be closed on Tuesdays From March 1 2022.

Location

contact

214 Mt Dandenong Rd, Croydon

Ph.9725- 7920

2A Ringwood St, Ringwood

Ph. 9870 3233

Mullum Mullum Anglican Church (St. Pauls)

Tuesday 9am to 1pm

40 Warrandyte Rd. Ringwood

Ph.9870 2093

North Ringwood Care

Monday to Friday. 10am to 1pm except public holidays

14 Dickson Cres, North Ringwood

Ph. 9876 5625

St Vincent de Paul

Tuesday, Wednesday, Thursday and Friday

Home visiting service

Ph. 1800 305 330

Salvation Army

Wednesday and Friday

Cnr. Wantirna Rd and City Rd, Ringwood

9879 2894

The Freedom initiative

Thursday, 9.30am to 11.30am

98 Railway Ave, Ringwood East

Ph. 9879 3114

Helping Hand

Monday to Friday, 9.30am to 11.30am

5a Mount View St, Croydon

Ph. 9725 1115

Hope City Mission

Wednesday and Thursday

51 Lusther Rd. Croydon

1800 865 299

Truth and Liberation (TLC)

Monday and Tuesday 1pm to 3pm

265 Canterbury Rd. Bayswater North

97296555

Uniting Wesley Mission Victoria

Monday to Friday 9.30am to 1pm

291A Maroondah Highway Ringwood

Ph. 8870 4020

Planet Shakers

Sunday, 9.30am to 1pm

251 Maroondah highway

Ph. 1300 883 321

Glen Park Community Centre

Tuesday (fortnightly)

30 Glen Park Rd. Bayswater North

Ph. 9720 5097 for details of dates, eligibility and other material and food-aid services.

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East Ringwood Community Cupboard

Community Cupboards!

Locals are invited to participate. All welcome!

How? Donate your excess food so others can take what they need. It is about generosity, kindness and respect.

Excess food, from your garden or from your pantry. Fruit, herbs, vegies, cans or packets. Anything unopened that does not need refrigeration.

27 Rosedale Cres. Ringwood East. Books and kid's books, toys, plants and seedlings and clean jars also welcome.

The Croydon North Community Meals Program provides a two-course nutritious and tasty luncheon every Tuesday from 12 noon at the Croydon North Uniting Church. We offer either a Takeaway or Dine In option and

Hungry 4 sucess - training

everyone is welcome. All our guests also receive a take home goody bag with fresh fruit and a special treat.

Glen Park Community Centre works to create a strong, connected community – free

Croydon North Community Meals Free, Sit-Down OR Take-Away Lunch available Every Tuesday

from poverty, isolation, and injustice, where every person has access to food, housing, social and economic participation, lifelong learning, and support. We host monthly community meals free to those that attend and a fortnightly community pantry. To enquire, please contact us on (03) 9720 5097 or office@glenparkcc.com.au

From 12 noon At

Croydon North Uniting Church 387A Maroondah Hwy Croydon North For more information call 0481 338 738 Or email cnuc389@gmail.com

Thanks to our sponsors:

And Coles, Croydon North

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Maroondah Winter Shelter

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free Meals

Our program started in 2018. We provide overnight shelter and food during winter to homeless men aged over 18 years.

In 2020 when Covid hit we changed our program to a meals program.

Wednesdays

On Wednesdays and Fridays 5.15pm-6.15pm, we serve free homecooked meals to people who need support.

5.30pm-6.00pm St John The Divine Anglican Church, 5 Toorak Ave, Croydon

Fridays 5.15pm-6.15pm

The meals program run all year except for a break over the Christmas period.

Hope City Mission Hope City Mission is a charity organization that serves communities across Melbourne and in particular the local government communities of Maroondah, Knox, and Yarra Ranges.

With the mandate to build healthy and strong communities by providing a safe place for people in financial hardship to receive food support, debt relief, education and hope for their current situation.

1800 865 299 www.hopecitymission.com

Urban Life 143 Maroondah Hwy, Ringwood

wintershelter.org.au

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Why Now Is A Great Time To Review Your Home Loan MORTGAGE BROKERING

By Reece Droscher

The current Home Lending market is a bit of a minefield right now. With the Reserve Bank raising rates again by 0.50% this month, many borrowers will be seeing their monthly repayments increased significantly from the historic lows enjoyed last year. Some borrowers, who were lucky enough to fix their rate in the last year or two, will also be needing to plan for a much higher repayment once their fixed rate expires. So what can you do to try and navigate your way through the changes in the financial landscape?

1.

Review, review, review!

It has never been more important to review your Home Loan. Even though rates have been increasing some lenders have announced reductions, or haven’t passed on the full rate rise, which means there are still ways to significantly reduce your current Home Loan interest rate.

It is also important to review the type of Home Loan you have and whether you are paying for features that you are not getting the full benefit from. For example loans with 100% offset accounts may come with a higher interest rate than those loans without the 100% offset feature. Your requirements from when you first took out your Home Loan may also have changed, and there may be features available that you are not aware of that may help you to pay off your home sooner.

2.

Approach your current lender for a cheaper rate.

As well as getting a Mortgage Broker to review your Home Loan, making a phone call to your current lender (or preferably your Mortgage Broker who can do this on your behalf), requesting a cheaper rate may see them quickly offering an immediate rate discount to try and retain your business. It costs a lender more money to bring in new business than it does to retain the business it already has, so it makes economic sense for your current lender to want to retain your business by offering an incentive to stay.

3.

Access equity to consolidate debts.

Since you have taken out a Home Loan you may have seen the value of your property increase. If you are like a lot of people you may also have some other lending, such as credit cards and

personal loans, which may be impacting on your budget which is getting further stretched by interest rate rises and costs of living increases. By using some of the equity you have built up in your home you could borrow extra funds at a Home Loan rate to repay those more expensive forms of finance, reducing the total amount you are paying each month to improve your cash flow.

4.

Reduce fees.

You may be paying a monthly or annual fee on your loan for features that you are not using. By reviewing your loan you may be able to reduce your ongoing costs, putting more money into your pocket rather than the Banks.

5.

Take advantage of incentives offered by competitors.

Lenders are becoming more aggressive to try and win new customers by offering cash-back incentives and other rewards to refinance your loan with them. Some are offering up to $4,000 in cash-back incentives, or large amounts of frequent flyer points, to new customers for eligible loans that are refinanced. Combined

with some variable interest rate discounted pricing for new business these offers can be very attractive, at least in the short term.

Engaging a Mortgage Broker to assist you in reviewing your Home Loan would be the first step in making sure you are getting the best deal.

As a Mortgage Broker I am perfectly placed to assist my new and existing clients with a review of their Home Loan and help them improve their financial situation.

Even in the current climate I have assisted clients to obtain significant discounts on their current interest rate, saving them thousands in additional interest costs, or have refinanced them into much more suitable Home Loans to meet their changing requirements. I would love the opportunity to help you too.

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

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Do you need to lodge a Taxable Payments Annual Report (TPAR)?

BOOKKEEPER

By Leah Egan

TPAR is like a ‘payment summary / group certificate’ for contractors. It is an industry specific report for businesses making payments to contractors for relevant services.

Businesses who receive the following services from contractors may need to report these payments to ATO by lodging a TPAR: -

Building and constructions services Cleaning services Road Freight and Courier services Information Technology services Security, Investigation and Surveillance services

TPAR reporting is a transparency / anti evasion measure used by ATO to identify contractors who have not met their tax obligations, have registration issues, incorrect ABNs reported, omitted income reported or wrong GST claimed.

The ATO can use data matching to determine if the contractors are declaring their full income, helping to improve compliance and make the system

fairer for everyone. It allows the ATO to compare payments to a contractor reported by business against the tax returns of the people who have been paid.

‘Contractors’ can include subcontractors, consultants and independent contractors, who can be operating their business as individual sole traders, companies, partnerships or trusts.

Many businesses such as restaurants, cafes, supermarkets and other retailers are now paying contractors to deliver goods to their customers.

These businesses may not have previously had to lodge a TPAR but now be required to report the payment information to ATO.

online accounting software has facility to produce the required information to submit a data file via ATO Online services, however information can be added manually. Business can submit their own TPAR, or your BAS Agent or Accountant can prepare and lodge this with ATO on your behalf.

Contractors can access the payment information reported on their business via the ATO Online services platforms.

TPAR reporting must be lodged by 28th August each year.

More information can be found at ato. gov.au/TPAR or by calling 13 28 66

Information to be reported – for each contractor the following details are required: -

Australian Business Number (ABN) Contractor name Contractor address Total gross, and gst amounts paid for the financial year Tax withheld where an ABN was not quoted

How to submit the TPAR data – most

Leah Egan 0400 905 505 leah@fineantics.com.au www.fineantics.com.au

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Green Hydrogen Tech Wins Global Backers

By Stephanie Gardiner (Australian Associated Press)

A Gold Coast tourism campaign once urged visitors to “come back and play”, but new population data reveals many Australians are instead deciding to stay.

The Australian Bureau of Statistics has released figures on population changes in the cities and regions between 2011 and 2021, and it shows Queensland’s holiday hotspot experienced the biggest boom outside the capitals.

The Gold Coast suburb of Coomera had the largest growth, with 11,500 extra people, while Pimpama had the highest rate of expansion at 600 per cent over the decade.

Regional Australia’s residents grew by 832,000, or 11 per cent, while the number of people living in the capitals increased by 2.5 million, or 17 per cent.

Melbourne experienced the largest growth of the capital cities with 806,800 extra people, followed by Sydney, Brisbane, Perth, Adelaide, Canberra, Hobart and Darwin.

Canberra had the highest growth rate at 23 per cent, while Adelaide had the lowest at 11 per cent.

The latest figures also show the extent of the population boom in Sydney and Melbourne’s outer suburbs, which experienced the largest increases among metropolitan regions.

Wollert, in Melbourne’s outer north, grew by 24,200 people, while Schofields, in Sydney’s northwest, added 22,900 to its population. The Mickleham and Yuroke region, 26 kilometres north of Melbourne, had the highest growth rate at 1400 per cent, with Sydney’s Schofields at 960 per cent, and nearby Kellyville at 880 per cent.

Some mining and outback areas experienced population loss, including Mount Isa in Queensland and Ashburton in Western Australia.

Outback South Australia’s population declined by 40 per cent. The trends are in line with shorter-term figures on population movements released quarterly by the Regional Australia Institute, based on Commonwealth Bank borrowing data.

Its latest report shows the Gold Coast is the most popular place for city dwellers to move, a trend largely driven by millennials attracted to its proximity to Brisbane. The institute’s chief economist Kim Houghton last month said about 20 per cent of the population turns over every five years, based on career, family and lifestyle choices. “We’re a very mobile country by international standards,” Dr Houghton said.

Financial Planning Complaints Trending Down

By Warren Strybosch

With all the changes that have occurred in the financial planning profession, it was good to note that there was nearly a 50% reduction in complaints in the 2022 FY compared to the 2021 FY relating to 'Failure to act in the client's best interests' and 'Inappropriate advice'.

The evidence from AFCA (the external resolution board that handles financial planning complaints) provides us with a clear picture: The changes that have occurred over the past few years e.g. introduction of the FASEA Code of Ethics and increased education standards, have indeed had a positive impact for consumers.

I believe we are moving in the right direction as a profession.

Issue

FY 2022

FY 2021

Interpretation of product terms and conditions*

654

100

Service quality

570

674

Failure to follow instructions/agreement

332

229

Failure to act in client's best interests

281

525

Inappropriate advice

241

534

*New entry to top 5

(Source: AFCA)

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Urban deforestation is a major contributor to severe weather events NATURE & CONSERVATION

By Liz Sanzaro

While CCS is working hard at attempting to retain tree cover and thus biodiversity, it is abundantly clear that many in the community, believe developers control our living environment, and that Councils are complicit.

CCS is not responsible for the outcomes of urban deforestation, although we have not given up trying, often fighting case by case through planning alerts.

This year in June, after gathering quite a collective of groups from across Greater Melbourne in municipalities that are also experiencing similar removal of habitat vegetation, we formed a Memorandum Of Understanding, then, as a collective of more than 20 groups, we began our weekly lobbying.

Words have been over used and letters only generate “Planning speak responses” So we chose a visual attack to get our message across, the more creative the better. Just one page with a couple of images and the request for this issue to be rectified ASAP between State Government Planning Law, and local Councils attempting to retrieve inadequate fines from those who remove trees deliberately.

These weekly emails go to our other members supporting this, and they send them onto their State Mp’s or MLA’s. This week, for the first time, we will share with you all just one of our weekly messages.

This one is on you tube, made specially for this one important environmental issue, you can find it at https://www.youtube. com/watch?v=mxjvHl4IVoQ You can also find this on the CCS FB page.

Also to demonstrate our approach here is just one of our mail out images used recently in our campaign.

Let’s look at creative solutions to habitat destruction Yes this is how the birds think we should live. Interesting perspective!

Do you like your own privacy?

Ignorant people often remove trees that they think might be dangerous.

They might appear to be old or have recently dropped limbs. Often, they do this illegally, since it is very easy to get a tree lopper to agree that the tree is dangerous, this means exemption from a permit application.

These old mature trees are habitat for our wildlife, who need nesting hollows, to breed. We are at grave risk of losing not only vegetation and trees but whole species from our suburban biodiversity.

Birds are smarter than we give them credit for.

We are counting our representatives to ensure the State mandates a fine large enough to be a deterrent, and that Councils can enforce on those who illegally remove trees.

Lets put an end to the talk. Start again with enthusiasm, to devise a method of fines that is workable and transparent, to protect our mature urban trees. We need above 30 % tree cover in every muinicipality to prevent heat sinks, currently Maroondah has fallen below this to around 25 %.

Alongside the hard work we are doing, sits the November election for our State reps. The situation is not unlike what just happened with the Federal Govt election.

We absolutely must engage with and support candidates that have integrity, who’s vote cannot be bought and who understand the meaning of HUMANITY. After watching 4 corners on the flood crisis, and hearing that State and Local Governments are both interested in rates taxes and fees, and this may be the reason who someone was encouraged to adjust the flood line on the Brisbane river flood plain, so that now there are families who own their most valued possession Land and House, who are left destroyed, uninsured, and expected to just get on with life. This is unconscionable and inhumane greed. It has a name, and is called greenfield development.

Land that was once considered too risky to house people. Adam Harvery the reporter got this response from ANDREW HALL, CHIEF EXECUTIVE, INSURANCE COUNCIL OF AUSTRALIA: “A sustainable insurance industry will only work when the premiums of the many pay the claims of the few and in this instance, when we have a situation where you've got whole communities that are at risk, the insurance sector starts to become untenable.” Who wants to invest in something they cannot insure?

This next section explains a lot that is wrong with those we have previously elected.

ADAM HARVEY, REPORTER: Last year the then NSW planning minister Rob Stokes upset developers, when he announced guidelines to address the increasing risk of floods caused by climate change.

ROB STOKES, FMR NSW PLANNING MINISTER: It's to ensure we take a very precautionary approach when we look at future development because we know that the nature of the risks we're facing are changing and amplifying and that's a direct cause of climate change.

ADAM HARVEY, REPORTER: Developers said the change created unnecessary red tape.

TOM FORREST, CHIEF EXECUTIVE, URBAN TASKFORCE AUSTRALIA: It was a little bit of, if you like, I would call it self-indulgent window dressing from the minister.

As he was literally leaving the portfolio, let's put down nine new planning principles, and the nine new planning principles will guide the system.

That case was put to the incoming Minister for Planning, he agreed that this was unnecessary duplication involving unnecessary delay and cost. At a time

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where we have a housing supply crisis we don't need delay and extra time taken.

It's amazing. We're a dumb species, really. I mean, this happens over and over again.

ADAM HARVEY, REPORTER: A ministerial reshuffle saw a new planning minister, Anthony Roberts, who dumped the guidelines.

It was also said in the on air version of 4 Corners, that to get local Councils to agree with a tightening of rules about what can be built where, you would have to sack the entire Council, in one of these affected areas. Council meaning the elected representatives.

In April, he gave a speech to developers.

ADAM HARVEY, REPORTER: Why has your government dumped your guidelines that would have had us better prepared for floods in the future?

ROB STOKES, FMR NSW PLANNING MINISTER: Well whatever approach is taken, and different ministers may have different approaches, the challenge we face is not going away, the challenge we face remains before us, there may be different approaches taken.

The problems is there before us and whatever solutions are taken, the problem's not going to go away.

PROF ELIZABETH MOSSOP, DEAN, UTS FACULTY OF DESIGN, ARCHITECTURE AND BUILDING: At a moment like this, where we can look around us in New South Wales and see the absolutely devastating impacts of climate change and the dreadful things that it is doing to people's lives, it seems crazy to me that we would NOT be taking this into account in every decision that we make about planning and development.

We can't continue with a business as usual approach in this space, any longer.

Everything has to change right now.

TOM FORREST, CHIEF EXECUTIVE, URBAN TASKFORCE AUSTRALIA: Well, I guess the most important thing up front is to not immediately start making decisions about where we shouldn't build in the middle of a flood crisis.

It's really important that we step aside from the obvious emotions of the difficulties people are facing and not make knee-jerk responses that may sometimes be inflamed with passion.

ADAM HARVEY, REPORTER: We are not learning from the floods of the past?

CHAS KEYS, FMR DEPUTY DIRECTOR GENERAL, NSW STATE EMERGENCY SERVICE: No, we never do.

August is National Family History Month

In Maroondah, last election everyone was elected in a repetitious way, through connections with sporting clubs, community groups and other persuasive interest groups. CCS is not pointing the finger at Maroondah Council, or it’s elected representatives. Clearly people are happy with our Councillors, or possibly apathetic, and don’t bother investigating behind the name.

In November when you have to vote for State representatives; do you know the stand that your local Mp or MLA representative will take on these big issues? Do they have close ties with Councillors to facilitate development?

Are they honest? Do they have integrity?

Can they be trusted to put humanity before personal gain?

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

Take a look

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IT’S WORLD BREASTFEEDING WEEK! LACTATION CONSULTANT

By Dr. Joanna Strybosch

From 1st - 7 August 2022, people around the globe have been celebrating World Breastfeeding Week. The theme for this year’s awareness week is Step Up for Breastfeeding: Educate and Support.

As an International Board Certified Lactation Consultant (IBCLC), I am interested in supporting families to achieve their breastfeeding goals, whatever they may be. Breastfeeding is a learned skill, that improves with practice and is empowered by knowledge.

With the right support and knowledge, with some patience and practise, most women are able to meet their breastfeeding goals.

Supporting families during World Breastfeeding Week at the Melbourne Therapy Centre.

protection available, there are so many reasons why breastfeeding is important for the health and wellbeing of both mother and baby.

WHY BREASTFEEDING IS IMPORTANT FOR HEALTH Mothers who breastfeed have: • Reduced risk of breast cancer • Reduce risk of ovarian cancer • Reduced risk of high blood pressure and heart disease • Reduced risk of type 2 diabetes • Reduced risk of maternal depression • Delayed return of menstrual period Infants who are breastfed are at a reduced risk of: • • • • •

As an IBCLC, my role is to help each mother make an informed decision about what is achievable and right for her and her baby, and then to give her the support she needs to be able to do that. This may be hands-on skills, knowledge and understanding of breastfeeding physiology and mechanics, compassionate nonjudgemental listening as well as health care advice.

Aside from providing the most perfect form of nutrition and the best immune

Gastrointestinal illness such as diarrhoea and vomiting Respiratory illness such as pneumonia Acute ear infections Of been overweight or obese in infancy and childhood Asthma

• • •

Sudden infant death syndrome (SIDS) Type 1 and type 2 diabetes Childhood leukaemia

At team at the Melbourne Therapy Centre see many babies and young families every week, assisting them with their lactation and health care needs.

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

Sc/Grad Dip Paeds LACTATION CONSULTANT www.childrensosteopathiccentre.com

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Union backs plan to fix skills shortages Marion Rae (Australian Associated Press)

One of the country’s largest unions has called on employers to solve skill shortages by employing migrant workers, provided that Australians be trained to help fill similar roles.

The resolution was passed by the Australian Workers’ Union national conference in Sydney on Monday.

It will be taken as a formal position to the government’s jobs and skills summit, to be held over two days at Parliament House in September.

While the union said migration was necessary in the immediate term, it believes employers have an obligation to help Australians fill skill shortages.

Under the plan, those employing migrant workers should provide a traineeship or apprenticeship to an Australian in the same role, or contribute to a funding pool to help with training.

The union’s national secretary Daniel Walton said the changes were necessary to prevent a “Saudi-style guest worker economy”.

“It’s in the national interest for Australians to fill Australian jobs. If we agree on that it should follow that employers be made to take real measures to ensure they’re filling the jobs they create with Australians,” he said. “Employers shirk their responsibility to train Australians, create a skills gap, fill the gap with short term migrants,

exacerbate the skills gap further, repeat.

It’s human centipede-level genius.”

Under the plan, the union would also call on all new migrant workers to join their relevant union in a bid to crack down on wage theft and exploitation.

The jobs and skills summit is set to bring together more than 100 people to Canberra including unions, businesses, governments and civil society.

It’s expected the goals from the summit will include a better trained workforce, a boost to incomes and living standards, and to create more opportunities for people in more parts of the country.

Mr Walton said more should be done to help fix shortages in Australian workplaces. “If hiring an Australian isn’t possible today, employers should have to make sure it’s possible tomorrow,” he said.

Celebrate National Science Week!

Take a look

13-21 August 2022 We're excited to present a fabulous program for National Science Week, choc-a-block with activities for kids and adults! From STEAM storytimes for the little ones, to an ecology exploration with a scientist in the park, for our older members, we have a little something for everyone!

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Sole Traders – the ATO will now pass information on to Credit providers

Mr Greco said the ATO used the ability to disclose tax debt information to CRBs as a tool to influence businesses to take their debt seriously.

“A lot of businesses treat the ATO as the lender of last resort so just don’t pay it,” he said. “When money becomes tight businesses just stop paying one of their creditors, and the easiest one is the ATO. “A credit rating is very important if you are highly leveraged, therefore this ability to provide this information so all can see is the thing that sometimes gets people to take note of the debt because it starts to impact their ability to finance their operations.”

Mr Greco said the IPA wanted to see the ATO customise its approach for each business.

“Tax debts are a big problem and it has blown out for a good reason, the tax office was giving businesses a bit more leeway during COVID which was understandable,” he said.

ACCOUNTANT

By Warren Strybosch

If you are a sole trader, you have not had to worry too much about any debts owing to the ATO. You would simply be placed on a payment plan and pay off what you can when you can. However, this is has now changed and the ATO is taking a harder stance against those business owners who owe money to the ATO. The ATO will now inform credit provides of debts larger than $100,000. This will have an impact on sole traders and partners seeking any type of finance e.g., home loan, investment loan or car finance, in the future.

General manager of technical policy at the IPA, Tony Greco, said the move could provide a more even playing field for businesses.

“There are pluses and minuses, the pluses are it makes it more transparent that the market and all credit providers, including trade credit, get to see what level of debt the business has and it provides an extra impetus to that client to engage with the tax office,” said Mr Greco.

“If you’ve got one business compliant and another not compliant then that’s

an unfair advantage, so it promotes fairness in the tax system.”

The change applies only to sole traders with ATO debts that meet certain criteria.

“The rules are currently that it has to be over $100,000 and has to be related to a business debt and it also has to be when the business is basically not responding to current attempts to put it on the payment plan or to pay it,” said Mr Greco.

The ATO said that a business or sole trader effectively engaging with it would not be subject to CRB referral, even if the debt exceeded $100,000.

The ATO said effective engagement involved having: • • • • •

•

A payment plan and complying with the terms of the arrangement An application for release from the tax debt An active objection against a tax decision to which the debt related An active review with the AAT or an active appeal to the court An active review with the AAT of a reviewable decision that might affect the amount of a non-complying superannuation fund’s tax debt with the relevant regulator An active complaint with the IGTO in relation to the tax debt.

“We’ve always asked for a tailored approach so if a business has been caught up in negative COVID scenarios then they [the ATO] should go soft, but if other businesses have thrived during COVID the tax office should go hard.”

Before disclosing a tax debt to CRBs, the ATO said it would send a written notice to the business that included steps that could be taken to avoid the information from being reported.

As a sole trader it is important to work with your accountant and/or tax agent to make sure you can meet your meet your obligations going forward. That might mean setting up separate bank accounts to keep track of your GST, PAGW, and Super owing, so you have enough funds to pay those amounts when they fall due.

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

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

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AUGUST 2022 | FIND MAROONDAH

Rental properties – An ATO focus area for 2022 returns

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By Warren Strybosch The ATO has issued a release stating that rental properties are one of its four main focus areas for the 2022 returns now being submitted. The ATO urged rental property owners to ensure they carefully review their records before declaring income or claiming deductions. The release highlights common pitfalls, including the importance of keeping adequate records.

Assistant Commissioner Tim Loh noted that the ATO's Random Enquiry Program found that nine out of 10 tax returns that reported rental income contained at least one error. This is despite most of those property owners being assisted by a registered tax agent.

While tax agents can only work with the information they gather from clients, the ATO said it expects agents to ask a few extra questions to ensure their client's return is completed correctly.

By Rosalie Whalem Members

School games for the girls were skipping, rounders, swapping cards and even playing marbles at one stage. Hopscotch was a favourite but the grid needed to be drawn on the ground. I sued to keep a supply of good clay rocks from our local creek for when chalk was not available.

Our Playgrounds were strictly segregated gender-wise. Our headmaster had us trained to stand still moment the first bell rang for class, then on the second bell we had to walk quietly and briskly back to our classrooms.

At mealtime we all had our set places to sit at the kitchen table and the evening meal was soup, meat and three veggies and dessert. Never chicken. It was a luxury. We had it special at Christmas and one of our hens would be sacrificed on the wooden chopping block at the back door. My father would chop its head off while we all watched. Sometimes it would run headless around our back yard with us all in hot pursuit. Once it took flight and ended up at a neighbor’s place and had to be found and retrieved.

There was no such thing as canned pet food. Our dog was fed table scraps.

Having a dog meant fleas! There were no flea collars and the only way of combating them was to wash the dog regularly with smelly soap but inevitably they would find their way into our clothing after playing with the dog and they would end up in our beds and feast on us all night leaving itchy bites. Just when thought they were eliminated, six weeks later their eggs would hatch, and the cycle would be repeated.

For special occasions when I needed to look presentable my mother would wet my hair at night and wind strips of

old sheeting in columns all over my head and that is how I slept. Not that comfortable but in the morning my hair would be a mass of curls.

The iceman made his deliveries on his horse and cart and it was fun stealing a chip of ice to suck on the way home from school on a boiling hot day. It was also considered unhealthy to drink water while we were playing sports and we were forbidden to go anywhere near the taps until afterwards.

Cars had bench seats front and back which meant six adults could be transported along with as many kids as there were knees to be sat upon.

There were no seat belts or head rests and kids could slide from the front to back or stand up if they felt like it.

Sundays we would go for a drive to the Dandenong Mountains and listen to Crosbie Morrison on the radio on the way

home. He was our radio naturalist guru.

Our old car often used to break down or get a flat tyre, but it seems my father could always get us going again. He always had to remember to fill up the petrol tank on Saturday morning, because it was unobtainable on Sundays.

Everything was closed from noon Saturday. Everything had to be carefully budgeted for to last the week as most employed people were paid cash on Thursdays.

In 1959 my brother had to do his National Service Training at Puckapunyal and our Sunday drives became a visit to him 14 weeks.

From: Heatherdale Community Action Group hcag@iinet.net.au www.hcag.online

AUGUST 2022 | FIND MAROONDAH

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Why Signage Is Important For Your Business SIGNAGES

By Glenn Martin

Your brand is not just a logo, but an entire experience that affects whether customers will remember you and decide to do business with you. It should permeate everything you do – websites, magazine and newspaper ads, billboards, sales promotions –and your signs.

Surveys, such as one commissioned

by FedEx, in conjunction with Ketchum Global Research & Analytics, measured the importance of signage and its impact on consumers as they decide whether to visit your place of business, make a purchase and more, and another by the Economic Centre, measured the impact on business owners in different industries.

The surveys found that: •

• • •

• •

•

•

•

Nearly 76% of consumers (8 in 10) said they had entered a store or business they had never visited before based simply on its signs.

Nearly 75% indicated that they had told others about a business simply based on its signage.

About 68% of consumers believe that a business’ signage reflects the quality of its products or services.

About 67% of the consumers surveyed said they had purchased a product or service because a sign caught their eye.

Nearly 60% of consumers said that the absence of signs deters them from entering a store or business.

Roughly 60% of businesses reported that changing the design or enhancing the visibility of their signage had a positive impact on sales, number of transactions and profits, with an average increase of about 10%.

Over 50% of survey respondents indicated that poor signage (e.g., poor quality, old & faded, not visible) deters them from entering a place of business.

38% of large companies with multiple locations identified branding/image as the most important purpose of effective signage, while small firms and single establishments perceived signs to be most important for making their business stand out and for helping customers find their location.

Legibility was chosen by both consumers and businesses as the most important characteristic of signs.

Ready For Consultation?

An

Expert

Signage

At Signarama we have a large range of business signage options to suit every budget. From building signage, illuminated indoor and outdoor signs, wall and vehicle graphics, A-Frames and flags, to floor and window signage, we have everything you need to get your business the attention it deserves.

If you already have a design, simply send us the files and we will be in touch to start the process including a free consultation and site audit to help your business stand out from the crowd. If you’re unsure of exactly what you want to say, or how you’d like it to look, that’s okay too, just contact the team on 1300 633 902 and together we’ll create the perfect signs for your business. Ensure you get current promotions by following us on Instagram @Signarama_Mitcham.

Glenn Martin mitcham@signarama.com.au

Before

After

Before

After

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It’s hoped Fraser Island will follow the lead of Uluru and only be known by it’s Indigenous name, as the Queensland government flags an official name change.

The proposal will take a step forward this week as two months of public consultation begin, Resources Minister Scott Stewart said on Wednesday.

He hopes the process will lead to the Indigenous name of K’gari entering the common vernacular in the same way Uluru has replaced Ayers Rock.

AUGUST 2022 | FIND MAROONDAH

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Fraser Island to go the way of Ayers Rock

By Nick Gibbs (Australian Associated Press)

“No one calls it Ayers Rock any more, they call it Uluru, and it’s about respecting our First Nations people, and about respecting the connection they have with this land,” Mr Stewart said. “(For) 60,000 years they’ve been calling it K’gari, I think it’s about time we started to do exactly the same.”

The reinstatement of K’gari as the island’s name has been a long time coming, chair of the Butchulla Aboriginal Corporation Aunty Gayle Minniecon said.

“It means so much to the Butchulla people,” she said. “For us it’s about respect for our people. It’s important for us to let our ancestors

know that our culture is still strong and we continue to care for our country.”

The consultation follows the island’s world heritage area being renamed K’gari last year, Environment Minister Meaghan Scanlon said “K’gari means paradise in the Butchulla language and as a popular destination for its natural beauty, is a much more fitting name for such an iconic place,” Ms Scanlon said.“The name Fraser Island is culturally inappropriate – it is a tribute to Eliza

Fraser, a woman whose narrative directly led to the massacre and dispossession of the Butchulla people.”

The data released on Tuesday by the Australian Institute of Health and Welfare was drawn from information gathered in the latest Census, including that there were nearly 9.8 million households in 2021. Of those, 67 per cent were occupied by “owners”, with roughly half of those subject to mortgage.

About a third of households, or 2.9 million, are occupied by renters.

K’gari was originally known by Europeans as Great Sandy Island before it was changed to Fraser Island after Scotswoman Eliza Fraser was shipwrecked there in 1836. While the World Heritage Area became K’gari last year, the official place name for the world’s largest sand island had yet to change.

Youngsters Missing Out On Australian Dream

By Nick Gibbs (Australian Associated Press)

The great Australian dream of home ownership is being realised by fewer young people than it was half a century ago.

Data collected in the latest Census shows the home ownership rate of people aged 30 to 34-years-old sat at 50 per cent in 2021, a drop of 14 per cent since 1971.

For those aged 25 to 29, the decrease was also 14 per cent over the same period, dropping to 36 per cent in 2021.

Some of those people aged below 30 who owned their own home in the 1970s are among the Aussies with the highest rate of ownership in 2021. Baby Boomers – those born between 1946 and 1964 – make up the highest rate (82 per cent) of home owners in 2021.

“There has been a sharper increase in the proportion of young Australians renting compared with older Australians,” the institute said as part of its data release.

AUGUST 2022 | FIND MAROONDAH

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Personal Insurance: Types of Cover FINANCIAL PLANNING

•

By Warren Strybosch

Last month we discussed how much personal insurance you should consider having in place. It was a starting point and seeking professional financial advice is important to determine the right amount of cover for your needs.

This month we are going to review the different types of personal insurances you can obtain. It is important to note that that not every insurer offers the below type of cover but they are available through different insurers. Again, seeking appropriate financial planning advice is important. Talk to a licenced financial planner and they can discuss with you what types of cover you should consider.

Please do not go to a mortgage broker, the bank or a general insurance broker and ask them to provide you with personal insurance. That is akin to asking a masseur to perform surgery on you…they could do it but they are likely to botch it up. Go to the professionals if you want a professional job done right.

Why life insurance is important We insure our cars, home, pet and even our health. But many of us neglect to insure our most important asset – our lives. Whether you need to take time off work to recover from a sickness or injury; change your lifestyle due to a permanent disability, or you die unexpectedly, without your income, it can have a huge impact on you and your family’s quality of life.

That’s where life insurance can help.

Our range of life insurance covers can help you and your family financially if something bad happens to you. The right cover can help with: • • • •

Paying the mortgage or rent Paying for your children’s education Covering your day to day bills, and Covering out-of-pocket medical expenses

How life insurance works Life insurance is there to pay you and your family when you need it the most. This could be anything from a temporary sickness or injury, through to a permanent disability or death. Life insurance products differ by:

• •

Events covered: Covers typically protects financially against sickness, injuries or death (or a combination of these) Causes: Some types of cover are limited to accidents only, while others cover you for sickness and accident Lump sum benefit vs daily benefit: Some types of cover pay the benefit as a one off lump sum, while others pay as an ongoing benefit amount.

Insurance that makes regular payments typically cover you for the period that you’re out of action

You choose the type of cover and the benefit amount you need. To keep your cover in place, you need to pay your premiums. If you suffer an insured event while your cover is in place, you (or your beneficiaries if you’ve died) can claim the benefit amount, subject to satisfying the relevant terms and conditions.

If the unfortunate happens, we will pay out on genuine claims. The conditions on which we pay out depend on the type of cover. Remember to consider this carefully before taking out cover and read the relevant PDS. What's covered?

Cover for your family when you're gone...

Life Cover Life Cover can help ease the financial burden for your family if you're terminally ill or die. With a lump sum benefit, your family can use the money to pay off the mortgage or other debts and maintain their current standard of living. You choose an amount of cover that’s right for you.

Cover for you while you’re living

lump sum benefit paid upon diagnosis may help you access the best medical treatment, or pay down some of your debt. You can choose a benefit amount of up to $2 million, and you are covered for more than 40 specified conditions.

Income Protection Cover Income Protection Cover pays an ongoing monthly income for as long as you’re unable to work or until the end of the benefit period, whichever happens first. You can cover up to 70% of your income. Select from a range of benefit periods, from 2 years, 5 years or to age 65.

Business Expense Cover You can’t afford to be sick if you’re selfemployed or running a small business.

Business Expense Cover helps cover the fixed operating expenses of your business if you are unable to work due to sickness or injury. Similar to Income Protection Cover, you receive an ongoing monthly income (for a maximum of 1 year), but instead of replacing your salary, it covers your business expenses. This can help keep your business afloat while you’re on the road to recovery.

Child Cover No one wants to see their child sick. But if it happened to your child, you’d want the best medical treatment available, and that can be expensive. Child Cover allows you to take up to $200,000 cover for kids aged between 2 and 18 and will pay a lump sum benefit if they suffer from a specified serious illness or in the event of their death.

Helpful little extras (provided by some insurers) Some insurers provide the following quality features:

Total and Permanent Disability (TPD) Cover Some sickness and injuries may end up leaving you totally and permanently disabled and unlikely to ever work again.

TPD Cover pays a lump sum benefit that can be used to make modifications to the family home, access the best rehabilitation or simply provide money to live on. Income Protection Cover only covers up to 70% of your income, so TPD Cover can be used to top up the shortfall.

•

Trauma Cover If you suffer from a specified serious illness such as cancer, heart attack or stroke, a

•

•

•

Provision for continuing cover: Once we issue your policy, we won’t change the terms and conditions or the premium you pay because of a change in your personal circumstances Indexation: We will automatically increase your cover each year to ensure your benefit amount keeps up with inflation (premiums will increase in line with increased cover) Worldwide cover: You are covered 24/7 anywhere in the world Provision for upgrades: If we make changes or introduce new benefits to our products, we will pass this on to you

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AUGUST 2022 | FIND MAROONDAH

What's not covered?

There are some situations where you’re not covered and when we won’t pay a claim. This includes not telling us the truth about your health or financial situation when applying for cover.

Who should you talk to?

If you are requiring a review of your personal insurances or wish to get some cover in place, then book a time with Warren Strybosch from Find Wealth Pty Ltd t/as Find Insurance.

Read the Product Disclosure Document (PDS) Before accepting the cover that is being recommended to you, take time to read the PDS that should be provided to you prior to filling in an application for insurance. The PDS will go into great detail about each type of insurance and what you are covered for. Given not all insurers cover the same things, it is important you understand what your insurance is going to cover.

Warren has been helping clients for the past 20 years with their personal insurance needs. He has been a finalist for many financial planning awards, won a few awards of the years, and has been recognised as one of Australian’s top 50 most influential advisors.

You are in safe hands with Warren.

Booking link: https://calendly. com/findgroup/15-minute-phoneconversation

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After the meeting you will be provided with a FREE Insurance Report so you can make an informed decision about your personal insurance needs.

This information is current as at August 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’).

Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

A Childhood in Vermont

By Graeme Woolridge

Once upon a time the area now known at Vermont was impenetrable bushland; only Aboriginal tribes were able to live within the dense confines of the forests.

A few timber cutters and charcoal burners made forays into the area and a survey which divided the forest into large sections was unable to attract many investors. Later, these large selections were further subdivided and only then, gradually, did white settlement intrude.

This was a magical place for children however, and the speaker at our annual general meeting, Jenny Brash, painted for us an affectionate and attractive picture of life in the rural setting of 1940s Vermont.

An outing by train, bypassing the little station of Tunstall, took Jenny, her mother and siblings on picnic outings to the bushland where the Rangeview shops and housing estates surrounding Mitcham Road, now exist. Jenny’s very interesting talk reminded us of a time when families, post-war, struggled to build their homes due to shortage of building materials. Her own family benefited from the allowances to servicemen of materials including bricks, denied to others; Jenny’s family though their modest, brick house, wonderful.

Vermont became a place of lush orchards, (apples, citrus, peaches), and large poultry farms. Canterbury Road and Boronia Road were dirt tracks with no grading or guttering. Potholes in the

PICTURES: (Above) Pannam’s corner store c1940: (Right) Weeping Elm being transported to Campbell’s Croft in 1984.

To the children of early Vermont, delights were to be found in roaming the bush, leaping the Vermont Primary School fence to ‘rescue’ luscious apples from the trees in the neighborhood orchards and purloining beautiful unused tiles-yards – only to experience parental wrath for such nefarious activities.

Giselda Bannister c 2022

dirt tracks with broken tile remnants from Australian Tessellated Tile Factory.

Pannam’s Store and the Confectionary store supplied the grocery needs of residents and were places of delight for young children. The weatherboard Anglican Church, St. Lukes, was the spiritual centre of Vermont, with a thriving choir, and was a centre of activities for tight community.

Evocative black-and-white photographs enhanced Jenny’s presentation. They provided intriguing glimpses into the plaster-and-lathe hut housing the family at Campbell’s Croft, and the startling image of an 80 – year old Weeping Elm, rescued from destruction, being transported on a lorry. Now replanted near the large spreading Oak trees at Campbell’s Croft, the Weeping Elm survives as witness to Vermont’s development. Three times Postponed, Jenny’s presentation was well worth the wait.

From: Heatherdale Community Action Group hcag@iinet.net.au www.hcag.online

AUGUST 2022 | FIND MAROONDAH

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2022 TAX UPDATES Small business skills and training boost Small businesses will get an additional tax deduction on top of the allowable deduction for training their employees. Announced in the 2022 Federal Budget, a business with aggregated turnover of less than $50

Announcement(29-Mar-2022)

million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to

Consultation

external training courses delivered to a business’s employees by a registered training organisation in Australia.

Introduced Passed Royal Assent

The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.

Date of effect

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

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

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

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

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

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

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

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

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

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

Royal Assent(31-Mar-2022)

businesses who claim fuel tax credits.

Date of effect(30-Mar-2022)

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

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

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

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

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

2022 TAX UPDATES Non-commercial losses and the Commissioner’s safe harbour Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income.

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

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

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

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

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

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

Announcement(23-Feb-2022)

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

Consultation period(29-Apr-2022)

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

Released

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

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

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

Announcement(21-Jun-2022) Consultation

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

Introduced(21-Jun-2022)

taxable landholdings.

Passed(24-Jun-2022) Royal Assent

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

Date of effect

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

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

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

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022) Royal Assent(31-Mar-2022)

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

Date of effect(30-Mar-2022)

businesses who claim fuel tax credits.

AUGUST 2022 | FIND MAROONDAH

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AUGUST 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

AUGUST 2022 | FIND MAROONDAH

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FIND MAROONDAH | AUGUST 2022

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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

$495 Per Week

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UNDER APPLICATION

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14 Alvena Crescent, Heathmont VIC 3135 3

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

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

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1/5 Dennyse Court, MOUNT WAVERLEY VIC 3149

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44 Winyard Drive, MOOROOLBARK VIC 3138

$310 Per Week

4/35 High Street, BAYSWATER VIC 3153

1

2

1

MORE DETAILS

2/7 King Street, BAYSWATER VIC 3153 3

1

1

MORE DETAILS

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

$390 Per Week

$650 Per Week

Avail Now

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5/59 Hewish Road, Croydon VIC 3136 3

2

1

MORE DETAILS

6 Lilian Parade, Ringwood VIC 3134 4

3

$1,000 Per Week

$450 Per Week

Avail Now

Avail Now

34-36 Hopetoun Road, Park Orchards VIC 3114 5

2

2

MORE DETAILS

4/19 Lusher Road, Croydon VIC 3136

3

1

$700 Per Week

$620 Per Week

Avail Now

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105 The Range Boulevard, Croydon VIC 3136 4

2

2

MORE DETAILS

MORE DETAILS

2

MORE DETAILS

1

102/32-34 Lygon Street, Brunswick East VIC 5

2

2

MORE DETAILS AUGUST 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

$380 Per Week

$490 Per Week

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69/13-15 Hewish Road, Croydon VIC 3136 2

1

1

MORE DETAILS

11A Monomeith Street, Mooroolbark VIC 3138

3

$360 Per Week

$650 Per Week

Avail Now

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8/53 Kent Avenue, Croydon VIC 3136 2

1

1

MORE DETAILS

3

$390 Per Week

Avail Now

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3

2

2

MORE DETAILS

1

MORE DETAILS

3/4-6 Zealandia Road East, Croydon North VIC 3136

$540 Per Week

42 Hedwig Drive, Mooroolbark VIC 3138

2

1

1

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313/7 Red Hill Terrace, Doncaster East VIC 3109 1

1

1

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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

$ 490 Per Week

$ 495 Per Week

Available Now

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21 Muir Sreet, Mount Waverley VIC 3149 3

1

1

MORE DETAILS

$ 575 Per Week

3

2

MORE DETAILS

2

$ 720 Per Week

Available Now

Available Now

6 / 1 GORDON COURT, Ringwood VIC 3134 3

8 / 74-76 Maroondah Highway, Croydon VIC 3136

2

2

MORE DETAILS

8 / 180 Queens Parade, Fitzroy North VIC 3068 2

2

MORE DETAILS

1

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

AUGUST 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

$750 Per Week

$390 Per Week

Available Now

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6 Bridget Court, Warranwood VIC 3134 4

2

2

MORE DETAILS

$600 Per Week

54/13-15 Hewish Road, Croydon VIC 3136 2

MORE DETAILS

Available Now

5/116 Oban Road, Ringwood North 3134 2

2

MORE DETAILS

$475 Per Week

21 Derby Road, Kilsyth VIC 3137 3

1

2

MORE DETAILS

$450 Per Week

Available Now

Available Now

8 Nandina Close, Warranwood VIC 3134 2

1

$490 Per Week

Available Now

3

1

2

2

MORE DETAILS

36 Marchiori Road, Blackburn North VIC 3130 3

2

1

MORE DETAILS

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

$710 Per Week

$370 Per Week

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38A Croydondale Drive, Mooroolbark 3138 5

3

2

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$410 Per Week

1

1

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Available Now

3/2-4 David Street, Ringwood VIC 3134 1

1

MORE DETAILS

$510 Per Week

2/11 Wordsworth Street, Mooroolbark VIC 3138 2

1

1

MORE DETAILS

$420 Per Week

Available Now

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21/37 William Street, Ringwood VIC 3134 3

2

$430 Per Week

Available Now

2

7/4-6 Arlington Street, Ringwood VIC 3134

2

2

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34 Sheldon Avenue, Mooroolbark VIC 3138 3

1

2

MORE DETAILS AUGUST 2022 | FIND MAROONDAH

41

Maroondah Council News

AUGUST 2022

The Arts Lounge Exhibition - Mike Healy and Jan Liesfield From July through to September the Arts Lounge will feature works by Mike Healy and Jan Liesfield. The Arts Lounge at Wyreena is an art space for artists to exhibit their work in a vibrant, accessible setting.

Mike Healy

Liesfield loves to use mark making and depict the landscape in layers, from close-up to the far distance, manipulating the view in such a way as to include as much detail as possible.

Using lino printing enables her to make images that represent the shapes and forms of the landscape, the plants and birds that she sees on her travels. It’s a little like keeping a travel journal really.

Openning Hours •

Monday to Friday 9am to 4pm

•

Saturdays 9am to 3pm

•

Closed on Sundays and Public Holidays

Further information Triple Shipwreck

Mike Healy’s artwork appeals to lovers of geometric shapes and bright colours. He tries to find beauty in the simplicity of clean lines and his work aims to secretly take your eye on a satisfying journey. Drawing on mid-century themes, Healy’s collages pay tribute to purity of shape and colour and remind us to reconnect with art that has a simple beauty in mind.

For further information on the exhibition, contact Wyreena on 9294 5590.

Date and Time Wednesday, 27 July 2022 - 9.00am to Saturday, 17 September 2022 - 5.00pm

‘Objects that are well designed and timeless are good for the soul.’

Jan Liesfield

All Abilities Soccer - Thursday Mornings All Abilities Soccer introduces adult participants to soccer with the opportunity to develop important coordination skills, motor skills and social skills.

For the Brave

Journeys through landscapes, both locally and overseas, are what inspire Liesfield to create artwork. In her prints she depicts these scenes in a stylised manner, hoping to evoke a sense of place without being literal copies of them.

To enhance the delivery of the tailored program, sessions are conducted in a fun, social and relaxed environment utilising different teaching methods to stimulate participants' learning processes.

Find out more

findmaroondah.com.au

Maroondah Council News

MAY 2022

AUGUST 2022 | FIND MAROONDAH

43

AUGUST 2022

2022 Community Satisfaction Survey: see how you rated your Council The 2022 Local Government Community Satisfaction Survey results are in and reveal some good news for Maroondah.

The latest independent survey results show Maroondah City Council scored higher compared to the average rating for councils statewide, outperforming in seven key performance areas: • • • • • • •

Overall performance Value for money Community consultation Advocacy Customer service Overall direction Making decisions in the interest of the community

Now in its 23rd year, the Local Government Community Satisfaction Survey is one of the many engagement methods used by Council annually to track its performance and community perceptions of its service delivery.

The survey was conducted between 27 January to 24 March 2022 by an independent market research organisation on behalf of the Victorian Government, with survey respondents asked to provide their views on Council’s performance over the past 12 months.

The phone survey involved a total of 400 Maroondah residents being randomly selected to provide their feedback. Indexed scores are measured out of 100.

Council’s overall performance continues to be rated in line with the average rating for Melbourne metropolitan councils and is rated statistically significantly higher (at the 95% confidence interval) than the statewide average for councils.

When it comes to ‘value for money’, Council rated eight points higher (61) than the statewide council average (53), while the rating for ‘overall direction’ for Council was three points higher compared to the state average (50).

The ‘condition of sealed roads’ is where Maroondah performed best compared to the Victorian average, rating 10 points higher (63) than the average for councils statewide (53).

Council’s performance on a range of indicators also showed to be statistically significantly higher when measured against other Melbourne metropolitan councils and the statewide average.

These areas included: recreational facilities; community and cultural activities; waste management; support services for the disadvantaged and elderly; informing the community; provision of customer service; advocating on behalf of the community; and making decisions in the interest of the community.

Mayor of Maroondah, Cr Mike Symon said he was pleased with the results, with most core measures either consistent with or surpassing the average scores for similar-sized councils.

“Perceptions of Council performance on most services evaluated are relatively consistent with 2021 results. The survey provider advised that this is a positive result for Maroondah in what has been a year of decline for many other councils due to some changes in service delivery resulting from the COVID-19 pandemic,” Cr Symon said.

“These latest results provide important and invaluable insight as to how well residents feel Council is performing in areas such as community consultation and engagement, customer service, lobbying on behalf of the community, overall performance and direction,” he said.

Council’s results were measured against other participating Melbourne metropolitan councils including Banyule, Boroondara, Brimbank, Glen Eira, Greater Dandenong, Hobsons Bay, Kingston, Knox, Manningham, Melbourne, Moonee Valley, Moreland, Port Phillip, Stonnington and Whitehorse.

“The survey is an interesting benchmarking exercise and represents one tool used by Council in collating important community feedback to ensure our activities are well targeted, performing efficiently and are relevant to our community,” Cr Symon said.

“Council thanks those members of the community who gave their time to participate in the 2022 Local Government Community Satisfaction Survey. These results provide strong evidence that Council’s service delivery is highly valued, and we will continue to strive towards improving our services and reaching even higher standards,” he said.

To view the latest results, visit Local Government Community Satisfaction Survey Results 2022.

Find out more: Click here

AUGUST 2022 | FIND MAROONDAH

43

Maroondah Council News

AUGUST 2022

Council adopts Maroondah Disability Action Plan 2022-2026 Council has formally endorsed the Maroondah Disability Action Plan 2022-2026, which sets out a plan for working towards making our community more inclusive and accessible for everyone over the next four years.

The Maroondah Disability Action Plan 2022-2026 was adopted at a Council meeting on Monday 18 July 2022.

Maroondah Mayor, Cr Mike Symon, said the adopted Plan took on a multilayered approach to addressing the disadvantages that people with a disability, their families and carers experience in their day-to-day lives.

“Council is strongly committed to supporting the wellbeing and inclusion of people with disabilities in Maroondah. The Disability Action Plan describes how Council, together with its partners, will continue to work towards reducing barriers for people with disabilities and to create opportunities for them and their carers to participate equally in community life,” Cr Symon said.

The Maroondah Disability Action Plan 2022-2026 replaces and builds on Council’s previous disability action plan and was developed through direct engagement with community members and stakeholders to identify the challenges faced by people with disabilities in Maroondah.

“Council is further committed to making our services, facilities and activities accessible to every member of the community and supporting the wellbeing and inclusion of people with disabilities in Maroondah so that they may enjoy all the opportunities our municipality affords,” Cr Symon said.

“This includes reducing barriers faced by people with a disability, promoting inclusion and participation in the community, and changing attitudes and practices that discriminate against people with a disability,” he added. The Disability Action Plan, which aligns with Maroondah 2040: Our future together and that Maroondah Liveability Wellbeing

and Resilience Strategy 2021-2031, outlines how Council will work towards providing support, access and inclusion for people with disabilities over the next four years.

“In recent years, Council has been an innovative leader in the disability sector as seen with the introduction of Changing Places facilities, the Pathway for Carers program, our key role in instigating the Porn is Not the Norm initiative, and provision of a National Disability Insurance Scheme (NDIS) Coordinator.

Council has also been the recipient of many awards for its innovative work at both state and national level,” Cr Symon said.

“The commitments and initiatives in this Disability Action Plan will build on these achievements as we continue to work towards a more inclusive community,” he said.

According to the latest Census of Population and Housing data, as of 2021, the City of Maroondah had a total of 6,847 residents living with a profound or severe disability who require assistance with daily activities. This number has increased from 5,482 residents at the time of the 2016 Census.

The Maroondah Disability Action Plan 2022-2026 was developed through an examination of data and consideration of relevant government legislation, together with the community to determine the issues that are important to them.

“Council acknowledges the significant and valuable contribution of the Maroondah Disability Advisory Committee and community stakeholders who assisted in the development of this important document,” Cr Symon said.

“The Disability Action Plan will also assist Council to develop guidelines that promote equal participation of all people with disabilities, and promote respect for their dignity,” he said.

View Maroondah Disability Action Plan 2022-2026

Maroondah Council News

MAY 2022

AUGUST 2022

Urinetown: the Musical Ringwood Secondary College presents their annual musical - This year they are presenting the hilarious "Urinetown: The Musical.

A twenty-year drought and chronic water shortage. Public toilets privatised in a government attempt to control water consumption. Urinetown: a tale of greed, corruption and revolution all packed into one hilarious musical!

Follow your heart to URINETOWN THE MUSICAL!

Find out more

Bumble Bee Baby and Children's Market - Ringwood A regular market held around the south eastern suburbs of Melbourne featuring preloved, new and handmade items for babies and children.

Bumble Bee Baby and Children's Markets are excited to announce our upcoming market.

Find out more

Social Fabric Social Fabric is a group exhibition by eight artists currently working within the supported studio at Nadrasca Community.

Artists: Bernie Milne

/

June Patterson

/

Janette

Mcdonald / Andrea Marchetti / Robyn Weston / Elroy Hendricks / Kaye Balcome / Leanne Battle Social Fabric is a group exhibition of painting, textiles and prints by a collective of eight artists who work together at the supported art studios at Nadrasca Community in Mitcham.

Read More

AUGUST 2022 | FIND MAROONDAH

45

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

48

NOT-FOR-PROFIT OF THE MONTH

FIND MAROONDAH | AUGUST 2022

AUGUST 2022

findmaroondah.com.au

Habitat for Humanity Victoria is calling for community members in the Maroondah area to volunteer in helping neighbours in the Dandenong region rebuild their homes.

More than a year on, families in the Mount Dandenong region are still waiting for help to rebuild or repair their homes after last year’s “freak” storm that tore through the Dandenong Ranges. 76 homes were destroyed and another 92 were damaged in the event, many of which housed vulnerable families and individuals without the capacity to recover from the disaster. While residents praised the incredible immediate clean-up efforts thanks to a strong community spirit and SES services, long-term recovery remains a slow process as larger storm material are impossible to take on without outside help.

Last month, Yarra Ranges Council and Cardinia Shire Council welcomed a $650,000 grant funding from the State Government to increase support for families affected by the storm. This funding will allow them to work with organisations to connect vulnerable families to service providers, as well as fund equipment and critical training for the job. Habitat for Humanity Victoria is one of two key partners with the councils in undertaking this project through organising volunteer days with both community and corporate groups.

Habitat for Humanity Victoria is a non-profit volunteer organisation who launched a storm recovery program assisting these vulnerable homeowners to clean up their properties by cutting and removing fallen trees, clearing debris and conducting minor home repair. Since the storm they have received over 100 requests for help and have undertaken over 40 storm-related volunteer days.

Executive Director Philip Curtis welcomes the funding to enable the ongoing recovery work. The past 14 months of work undertaken by the organisation in the storm affected areas revealed there were still many residents in need of practical assistance.

“We are pleased Cardinia and Yarra Ranges Council has secured this grant funding to support our team and volunteers to assist vulnerable residents unable to complete the cleaning up and restoration of their properties,” Mr Curtis said.

“We are looking forward to engaging volunteers from across the community to support those needing assistance. We value the opportunity to partner with Council to generate positive outcomes for residents impacted by the storms.”

Currently, over 30 requests for help still remain on the waiting list, as the Habitat for Humanity Victoria team works hard to organise volunteer groups to provide assistance.

NOT-FOR-PROFIT OF THE MONTH

findmaroondah.com.au

49

AUGUST 2022

AUGUST 2022 | FIND MAROONDAH

Vulnerable individuals and families in more immediate needs are prioritised to receive help, but limited volunteers present ongoing challenges in being able to meet these needs.

“The gratitude we receive from the families we’ve helped have been incredibly encouraging for our volunteer teams,” says on-site supervisor Rod. “But we are aware of the number of families in need who are still waiting for assistance, and we’re trying our best.”

Habitat for Humanity Victoria is calling for volunteers in the Maroondah area to consider rolling up their sleeves to help families repair their homes. A single volunteering day with three or four individuals can make a huge difference in the living condition of someone in need.

No professional skills are required, as on-the-job training will be provided where necessary.

If you or your organisation is interested in joining our efforts to help our neighbours in the Dandenongs, reach out to us at habitatvic.org.au/volunteer, or contact our Volunteer Manager Felicity at fsmith@habitat.org.au.

2/128 Canterbury Road, Kilsyth South, 3137

03 8720 9200

vic.info@habitat.org.au

AUGUST 2022 | FIND MAROONDAH

49

NOT-FOR-PROFIT : EVENTS

ACTIVITIES FOR THE RETIRED AND SEMI-RETIRED: • Ringwood U3A is a relatively small, friendly organisation that runs a wide variety of Classes.

• On offer are a wide range of Exercise Classes including Tai Chi, Yoga, Shibashi, Line Dancing and Dance to Music, as well as Table Tennis.

• Equally important there are very active Discussion Groups which enhance our knowledge - such as Current Affairs and Elders and the

Importantly, you may have a skill/interest that you would

Law.

like to share with and enthuse our current membership -

• You may be interested in diverse and informative Courses such as :

you will be pleasantly surprised by the level of interest that

• Drawing and Sketching, Writing and Card Making

is generated by this input.

• Poetry, Music, Film and Art Appreciation.

• Computer assistance and free basic digital skills mentoring.

You can, of course find out more about joining us, current

• Foreign Languages and Family History.

membership fees, Courses and Activities on our easy to

• Out and About Excursions - always enjoyable and strengthen

navigate website at www.u3aringwood.org.au or email us info@u3aringwood.org.au or phone 0481 591 224.

friendships.

• Wine Appreciation and Quilting.

Boronia View Club Boronia VIEW Club will meet on Friday 19 August at 11.30 am at Eastwood Golf Club, Liverpool Rd., Kilsyth for a lunch meeting costing $27. VIEW (Voice, Interests and Education of Women) is a national women’s organization and support network bringing together women of all ages and backgrounds to come together to enjoy social activities, develop skills and make connections while supporting Australian children experiencing disadvantage.

The speaker will be Marina Villani who will show us glass products and will have ornaments and jewellery for sale. There will also be a book stall and raffle and all monies raised goes to The Smith Family Learning for Life program.

So, ladies come along and join us and you will be warmly welcomed.

Enquiries to Judith on 9764-8602

We enjoy the company of ladies of all ages and backgrounds, so come along and you will be warmly welcomed.

42 Allambanan Dr Bayswater North www.arrabri.org 9720 0877

Health & Fitness Classes Pilates Yoga Strength & Fitness for Over 40s Pilates for Over 60s (Chair Pilates) Stretch & Move

Activities

NOT-FOR-PROFIT EVENT ADVERTISEMENT 42 Allambanan Dr Bayswater North www.arrabri.org 9720 0877

2

Sept

3

Sept

4

Sept

6

Sept

For more information phone 9720 0877 or visit www.arrabri.org

7

Sept

Card Making 10:00am - 12:00pm $25

Join the very crafty Lynn and make two beautiful cards to be used for any occasion.

Thai Cooking Morning OR Afternoon class available $55

Learn to make Pad Thai noodles and Thai grilled chicken in this fun cooking class with left overs to take home.

Twinkle Jar Workshop 1:00pm - 3:30pm $40

Make a beautiful jar filled with origami butterflies and twinkling lights. All materials included.

Aussie Holiday Escapes 1:00pm - 3:00pm $10

Learn how to find great places to stay and sights to see using the internet and your own device.

Cheese Making

10:30am - 12:00pm $55

Learn how easy it is to make cheese at home. All ingredients and tastings included!

Bookings and more information: Phone 9720 0877

42 Allambanan Drive Bayswater North 3153

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

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.

This interactive 3 hour session is conducted by a qualified working paramedic who will answer your questions and give up-to-date practical information.

Topics covered include infant/toddler CPR, choking, allergies, immunisations and basic first aid.

Bookings essential Telephone 9720 0877

Tuesday 16th August 7:00pm to 10:00pm $30 per person, $45 per couple AUGUST 2022 | FIND MAROONDAH

51

NOT-FOR-PROFIT EVENT ADVERTISEMENT

Seniors Lunch

Wednesday 10 August $15 per person Soup, main and dessert

Do you have an upcoming events?

Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at

Bayswater North

www.findmaroondah.com.au/nfp-free-advertising

or you can email the ad to the

Bookings Essential Phone 9720 0877

editor@findmaroondah.com.au and we will do the rest for you.

Norwood Secondary College presents...

TALKING CAFÉ Relax with a cuppa and chat to other seniors in your community.

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

Book and Lyrics by

Music by

David Lindsay-Abaire

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 18 19 20 2022 TH

TH

TH

KARRALYKA CENTRE

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

IF YOU CHOSE, YOU CAN HAVE YOUR OWN VOLUNTEER COMMUNITY CONNECTOR TO HELP YOU FIND OTHER ACTIVITIES TO JOIN.

Find out what’s happening in your community

Meet other people from your community

Every Monday, 2:00pm - 3:00pm at Koko Lime Café, 20A Alchester Cres, Boronia VIC 3155 No need to book, just come along. For more information contact Arrabri Community House on 9720 0877 or email programs@arrabri.org.

We acknowledge the support of funding from the Jack Brockhoff Foundation.

Enjoy a cuppa and make new connections

NOT-FOR-PROFIT EVENT ADVERTISEMENT Beginners Geneology NEW!!

Research your family history; explore imortant sources and how to use them Thu 11th Aug 6:30pm-8:30pm $135 C$130 (10weeks)

Explore Poetry NEW!!

Dip your toes into the wonderful world of poets and poetry thoughout the ages, from Chaucer to the present day. Mon 1st Aug 10:00pm-11:30am $75 C$70 (5 weeks)

Social Groups Book Club A casual get together to discuss a book read by the group. Held once a month in our Community Library New members welcome. 3rd Monday of each month (excluding Jan) 1:30pm-2:30pm Gold coin per session

Coffee & Craft (social group) Bring along your favourite craft activity and have a cuppa and a chat Wed 13th Jul (10 weeks) 10:00am-12:00pm Gold coin per session

Fab Group A friendly social morning for women over 50. Guest speakers, craft, games & outings. New members welcome! Thu 14th Jul 10:00am12:00pm - Gold coin per session (10 weeks)

contact details:

Email: admin@nrch.org.au

Phone: 03 9876 3421

Website: www.nrch.org.au

Do you have an upcoming events?

Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findmaroondah.com.au/nfp-free-advertising

or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.

AUGUST 2022 | FIND MAROONDAH

53

Open to opportunities!

Find out More

Eastland is hosting a Jobs Fair this August. Helping you to connect with a range of job opportunities and to provide job seekers with access to a free suite of virtual and on-site workshops, mentoring sessions, training and more. Develop résumé writing stills, learn interview techniques, explore job search services and better understand how to build your personal brand.

Your pathway to a new career starts here.

Workshops & Community Partners Improve your confidence, skills and feel prepared for employment with Jobs Victoria and more!

Find out More

WIN a Work Wardrobe Sign up to receive our newsletter to go in the draw to win a $500 Eastland Gift Card.

Enter Here

Getting Ready If you’re ready to take the next step in your career, read our blogs that will help develop skills that are crucial in recruitment processes, such as resume writing, interview tips and tricks and brand building.

Read More

Practice Interviews Book in for a one-on-one mock interview and feedback session with the Skills & Jobs Centre team!

Read More

COVID Vaccination Clinic Secure a spot at our "pop-up" vaccination clinic now!

Together with Austin Health and EACH we are hosting a "pop-up" vaccination clinic beginning Thursday 28 July.

Read More

What's On

Neovision

The Circuit

Faces of Eastland AUGUST 2022 | FIND MAROONDAH

55

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FIND MAROONDAH | AUGUST 2022

findmaroondah.com.au

RETIREMENT

AUGUST 2022

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.

Centrelink Concession Cards – Are they worth having?

RETIREMENT

By Warren Strybosch

For many retirees, one of the questions on their mind is whether they will be eligible for a Centrelink Concession Card and what will this entitle them to.

We explore in this article the benefits pensioners can enjoy if they obtain the Pensioner Concession Card (PCC) compared to other Centrelink cards like the Low Income Health Care Card (LIHCC) and the Commonwealth Seniors Health Card (CSHC).

National Benefits The following are the benefits provided by the abovementioned cards - PCC, LIHCC and CSHC: 1. Extended Medicare Safety Net (EMSN)

Medicare Safety Nets can help to lower your out-of-pocket medical costs for out of hospital services.

If you need to see a doctor or get tests regularly, you could end up with high medical costs. Medicare Safety Nets can help to lower your out-of-pocket costs.

These can include: • •

seeing a doctor or specialist some tests and scans like blood tests and CT scans.

When you spend over a certain amount in a calendar year, you will receive a higher amount back. Services Australia will calculate the Safety Nets each calendar year, 1 January to 31 December.

Keep in mind, your doctor’s visit or test will still cost the same.

What are the thresholds Medicare Safety Nets have thresholds. When you spend certain amounts in gap and out of pocket costs, you’ll reach the thresholds. Once you’ve reached the thresholds, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Services Australia for certain Medicare services.

Only verified payments count towards the threshold. Verified payments are when you pay for your health professional service in full, before you make a claim from Services Australia. If you have unverified payments, you’ll need to pay them before they count towards your threshold. Unverified payments are when you don’t pay your doctor’s fee before you claim from Services Australia. Read more about the difference between verified and unverified payments.

The threshold amounts are set each year from 1 January.

Thresholds

Original Medicare Safety Net

$495.60

(OMSM)

Original Medicare Safety Net (EMSN)-

$2249.80

General

Extended Net (EMSN)Concessional and Part A

Who it is for

Everyone in Medicare

Everyone in Medicare

What counts towards the threshold

$717.90

100% of the

for the calendar

schedule fee for out

year

of hospital services.

Your out amount for the calendar year

cardholders and

Your out of pocket

families eligible

amount for the

for Family Tax

calendar year

Benefit Part A

(Source: serviceaustralia.gov.au)

What benefit you'll get back

Your gap amount

Concession

Medicare Safety

Family Tax Benefit

If you’re enrolled in Medicare, you’re eligible for Medicare Safety Nets. If you’re part of a family or couple you can combine your costs by registering as a family.

Threshold amount

80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

80% of out of pocket costs or the EMSN benefit caps for out of hospital services.

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How they work

Table 1: NSW mainstream concession card benefits p.a.

Medicare Safety Nets have thresholds. These are the dollar amounts you need to reach in gap and out of pocket costs to be eligible. When you’re eligible, you’ll start getting higher Medicare benefits. This means you’ll get more money back from Service Australia for certain Medicare services.

Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $250

-

-

-

Water

$526

-

-

-

Energy

Up to $285

Up to 285

-

-

Gas

Up to $110

Up to $110

-

-

Drivers Licence

$60

-

-

-

Car Registration

$381

-

-

-

Value

$1,612

$395

-

-

A Medicare benefit is the dollar amount Service Australia pays you when you’ve made a claim for a medical service.

This is usually 85-100% of the schedule fee. A schedule fee is the dollar amount the Australian Government sets for each medical service. The MBS Online website lists the schedule fee amount. You can search the MBS by keyword or item number to find the schedule fee amount.

The Department of Health and Aged Care sets threshold amounts each year from 1 January.

2. Pharmaceutical Benefits Scheme (PBS) Pharmaceutical Benefits Scheme provides benefits to both concession and non- concession card holders. Concession card holders can use the PSB to pay $6.60 for each medicine as a maximum limit while the non- concession card holders can use PSB to pay a maximum of $41.30 for medicine.

If a concession card holder is able to pay $ 316.80 which is equivalent to an amount for a calendar year PBS safety net threshold, then their medicine will be free for the rest of the year.

For your clients to know about the medicine’s PBS eligibility they could visit this site (http://www.pbs.gov.au/browse/ medicine-listing) 3. Bulk- Billed Doctor Visits This benefit is for doctors. Medicare will give higher pay for doctors who are treating concession card holder. So, unlike the usual practise with other patients, bulk bill is applicable to concession cardholder.

4. Australia Post If your client is a concession card holder, he is eligible for a MyPost account which entitles him for free stamps discounts on mail hold or mail redirection.

5. Other benefits: The following benefits are provided by the PCC yet are not provided by the LIHCC and CSHC:

Hearing Services This includes hearing assistance or aids and assistive listening devices that are subsidised.

i. Sydney Water typical changes example for water and wastewater (stormwater mot included). ii. Based on yearly renewal fee. iii. Car between 1,155kg - 1,504kg.

You might benefit from other concessions like public dental services- PCC, LIHCC and CSHC; ambulance services- PCC, LIHCC and CSHC; and medical Energy rebate- PCC and LIHCC. 2. Victoria Seniors card eligibility includes (1) age should be 60 or over; (2) working less than 35 hours per week; and (3) permanent resident of Victoria.

Table 2: VIC mainstream concession card benefit p.a.

Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $247

-

-

-

Water

Up to $346

-

-

-

Electricity

$402

-

-

ii

i

ii

i

Up to $402

Gas

$177

$177

-

-

Car Registration

$423

i

$153

i

-

-

Value

$1,595

$1,078

-

-

i. Victorian Health and Human Services Department example, $100.62 off $672 quarterly bill. ii. Victorian Health and Human Services department example, $88.54 off $580 quarterly bill (only available for charges between 1 May and 31 October). iii. 3000 postcode, includes Transport Accident Charges (TAC).

You might benefit from other concessions in Victoria like nonmains water concession- PCC and LIHCC; excess electricity concessions- PCC and LIHCC if electricity bill is greater than $2,973 p.a.; and excess gas concession- PCC and LIHCC if gas bill is greater than $1,644 p.a.

3. Queensland In Queensland, the seniors card eligibility includes (1) 65 or over, or 60-64 plus holder of PCC, LIHCC or CSHC; (2) working less than 35 hours per week; and (3) permanent resident resident of Queensland.

Table 3: QLD mainstream concession card benefit p.a.

Benefit Type

PCC

LIHCC

CSHC

Seniors

Council Rates

Up to $200

-

-

-

Telstra PCC holders are eligible to avail home telephone discounts.

Water

Up to $120

-

-

-

Electricity

$341

$341

$341

-

State Benefits

Gas

$76

$76

-

-

Car Registration

$170

1. New South Wales

Spectacles

$50

$50

$50

Value

$957

$637

$391

Seniors card eligibility in this state consists of: (1) age 60 or over, (2) working 20 hours or less per week, (3) permanent resident of NSW, and (4) a holder of a green Medicare Card.

57

i

ii

i

$170 ii

i

$170

-

ii

-

i. Assume four cylinder vehicle and concession card issued after 1 July 1994. ii. Eligible for one pair every two years if held card at least 6 months. Assumes a cost of $100.

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You might benefit from other concessions in Queensland from the following: (1) boat registration discounts- PCC and QLD seniors card; (2) some public dental services- all four cards; and (3) medical aids and equipment- PCC, LIHCC and QLD seniors card.

Western Australia requires the following for seniors card eligibility: (1) age of 64 or over; (2) working less than 25 hours per week; and (3) permanent resident of Western Australia.

Table 4: WA mainstream concession card benefit p.a.

Benefit Type

PCC

Seniors + CSHC

LIHCC

Seniors

CSHC

Council Rates

Up to $750

Up to $750

-

Up to $100

-

Water

Up to $600

Up to $600

-

Up to $100

-

$300

-

$300

Drivers license

$44

$44

-

$22

-

Car Registration

$240

-

-

-

Electricity

-

-

-

$70

-

-

$1,329

$1,259

-

$109

Dental

$105

Spectacles Value

$109

ii

ii

iv

-

i. If TasWater client, up to $479 if not. ii. Maximum daily concession multiplied by 365. iii. $45 co-payment for subsidised general check-up. Assumes total cost of $150. iv. 70% discount, assume one pair per year, need to meet additional income and assest test.

4. Western Australia

i

-

$105

Car Registration

ii

ii

$240

-

You might benefit from other concessions in South Australia from the following: (1)will and Enduring Power of Attorney discounts with Public trustee for PCC and TAS senior card; (2) wigs for cancer patients for PCC holder; (3) right to information request fee waiver ($41.25) for PCC and LIHCC. 7. Australian Capital Territory ACT requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of ACT. Table 7: ACT mainstream concession card benefit p.a.

Benefit Type

PCC i

LIHCC

CSHC

Seniors

Dental

$75

$75

-

-

Concil Rates

Up to $750

-

-

-

Spectacles

$27

$27

-

-

-

$98

-

-

-

Value

$2,000

$1,625

$375

$249

-

Fire and emergency services levy rebate Utilities

Up to $800

Up to $800

-

-

iii

-

iv

iv

i. With Synergy or Horizon Power. ii. 50% discount off example from WA department of transport, a car weighing 1,650 kg. iii. Assumes cost $150 p.a. iv. $53.85 every two years.

5. South Australia South Australia requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of South Australia.

i

i

Drivers Licence

$41

Car Registration

$401

Spectacles Value

-

$27

-

i

-

$40

$100

ii

$2,190

i

-

$100

-

$927

$40

-

ii

i. Pro-rated discount on five-year $204.90 licence. ii. Car 1,155 - 1,504 kg. iii. $200 subsidy every two years.

You might benefit from other concessions in South Australia from the following: (1) free or reduced ambulance fees for PCC and LIHCC; and (2) green waste concession($ 50) for PCC and MyWay seniors card.

Table 5: SA mainstream concession card benefit p.a.

8. Northern Territory

Benefit Type

PCC

LIHCC

CSHC

Seniors

Cost of living concession

$217

$217

$109

-

Emergency services levy remission

Up to $46

Up to $46

Up to $46

-

ACT requires the following for seniors card eligibility: (1) age of 60 or over; and (2) permanent resident of NT.

Water

Up to $440

Up to $440

-

-

Table 8: NT mainstream concession card benefit p.a.

Energy

Up to $234

i

Up to $234

Up to $234

-

Benefit Type

PCC

LIHCC

CSHC

Seniors

-

Concil Rates

Up to $200

-

-

-

Garbage

$46

-

-

-

Water

Up to $800

-

-

-

Electricity

Up to $1,200

-

-

-

Drivers License

$33

-

-

-

Spectacles

Up to $251

-

-

Value

$2,684

$55

-

i

i

i

Drivers License

$24

-

-

Car Registration

$129

-

-

Value

$1,090

$937

$389

ii

-

i. Must not be living with anyone with more than $3,000 p.a. income, unless a spouse or receiving a Centerlink allowance. ii. District zone one.

You might benefit from other concessions in South Australia from the following: (1) subsidised glasses for full pensioners and contact lenses for PCC and LIHCC holders; (2) medical heating and cooling concession for PCC, LIHCC and CSHC holders; and (3) personal alert systems rebate for eligible PCC holders who are 70 yrs. Old or over.

6. Tasmania Tasmania requires the following for seniors card eligibility: (1) age of 60 or over; (2) working 20 hours or less per week; and (3) permanent resident of Tasmania.

i

i

-

i. Darwin rate. ii. Up to $502.20 every two years for the individual and their registered dependents.

Those who are 65 and above are entitled to join the NT Seniors Recognition Scheme and can receive a $ 500.00.

This information is current as at August 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’).

Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does,

Table 6: TAS mainstream concession card benefit p.a.

Benefit Type

PCC

LIHCC

Concil Rates

Up to $326

i

i

Up to $205

ii

Up to $514

Water

Up to $205

Electricity

Up to $514

or omits to do, anything in reliance on the information contained herein.

CSHC

Seniors

Up to $326

i

-

-

i

-

-

ii

-

-

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

59 PROFESSIONAL SERVICES

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

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

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

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

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

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

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

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

INDEX PROFESSIONAL SERVICES • • • • • • • •

Architect ------------------------------ 58 Find Accountant ----------------- 56 Financial Planning ------------- 57 Find Insurance -------------------- 57 Bookkeeping ---------------------- 58 Editor|Copywriter --------------- 58 General Insurance ------------- 57 Life Coach --------------------------- 58

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

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

• Signages ------------------------------ 59 • Mortgage Brokering ----------- 59 • Solicitor/Lawyer ------------------ 00

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

139 x 96 mm - 1/4 Page Portrait

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

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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.

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

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

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

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

Visit Us Here

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.

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.

www.heightsafetyinsurancebrokers.com.au

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.

ABN: 26689211803

PAGE

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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!

Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418

Leadership and Parenting Disruptor Lesley Banton 0432 848 418 www.theparentwhisperer.com.au

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document

www.kirachitecture.com

4. Full service package (and more)

KATHY ISMAIL ARCHITECT

Make your writing ZING! SERVICES • Book Editing

susan@creativetext.com.au

• Memoirs and Life Stories • Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

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Our promise is to create delicious, naughty but absolutely healthy smoothies, as well as energising teas that are loaded with nutrients and vitamins, so that everyone in our community can enjoy becoming the best version of themselves!

ICED COFFEE • mocha • macchiato

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Upgrade to a loaded tea to boost your Vitamin B and C and get a burst of natural energy with Gingko Biloba

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PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

We offer contact-free installation!

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

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• Printing

• Fleet Graphics

• Resources

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• Finance Option

Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime.

Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

Get in touch today.

• Design

03 9874 0543

• Brand Audits & Consultation

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MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS

Get the Morthgage You Deserve

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reece@shlfinance.com.au

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0478 021 757

•

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•

INSURANCE

REECE DROSCHER

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MORTGAGE BROKERING

www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

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.

Areas of Expertise

Contact Details

º

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º

Manufacturing

º

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º

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www.thebeaumontgroup.com.au/lawyers/

º

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PO Box 61, Mooroolbark VIC 3138

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mfelton@beaumontlawyers.com.au 03 9727 1376

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

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

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.

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

Consider joining the Find Maroondah Network group.

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

ADVERTISE HERE

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HOME & GARDEN

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

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

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

ADVERTISE HERE

HEALTH & BEAUTY

PAGES

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

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 62 • Swen Pouches ---------------------- 63 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

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)

03 9876 3011

•Growing Pain •Migraines and Headaches •Poor Posture •Sport Injuries •Special Needs

info@childreansosteopathiccentre.com

•Retained Primitive Reflexes

www.childrensosteopathiccentre.com

•Pregnant and Prostnatal Women AUGUST 2022 | FIND MAROONDAH

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

HEALTH & BEAUTY

SPORTS

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

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67

SPORTS

The norsemen welcome you to enjoy a day gardiners run golf club Friday October 21, 2022 Along with having free exercise, you get: •

18 holes of golf – shotgun start Ambrose

•

A lot of laughs with your mates

•

Putting competition prior to tee off

•

A special prize for the longest drive on hole 8

•

Prizes for nearest the pin on holes 3,7 , 11 and 16

•

A cool prize for nearest the pin on the second shot for hole 15

All you Need to Know Entry Fee is $500 per group of 4 (payment must be received before the day to be able to play) 20 Carts are available at $45 each (get in early) and must be requested and paid for at time of registering your group details.

Your entry fee also includes: • • • •

A light breakfast (egg and bacon roll) before teeing off Tea or coffee station for those needing a heart starter 2 drink tickets per person, for beers to be consumed at any part of the day (on course or at the Club House.)

A hearty BBQ lunch at the end of the round

So sign up here and forward the details and payment to : Email; norsemenpp@nfcpp.com.au Direct Payments to; Acc Name Norwood Football Club Past Players Bank Acc # 543 779 647 BSB 083 237 Run Sheet of Day 6:45AM to 7:00AM – Registration and Egg & Bacon Rolls Breakfast 7:15AM – Putting Comp (1 player selected to represent each team) 7:45PM – Briefing from golf professional & head out on course 8:00AM – Tee off shotgun start 1:00PM – BBQ Lunch & presentations 3:00PM – Event concludes / Bar Closes

JULY 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Maroondah 1300 88 38 30 editor@findmaroondah.com.au

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Religious Groups and Churches

Hope City Church Croydon Hills Baptist Church

About us Hope City is a community partnering with Jesus to see His Church grow and

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

Services

to see people encounter God’s presence and be transformed by His Spirit

• English Sunday 10am

and Word. We look to empower every believer in God’s purpose for their

• Karen Sunday 1pm

life so that the 7 Mountains of society will be impacted by God’s kingdom.

• English Sunday 6pm

We see a Church where every person experiences the goodness of God in

Transform Pastor - Ben Dickson

their lives through energetic praise and intimate worship.

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

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

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.

Ringwood Church of Christ

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

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

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 (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

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

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

Religious Groups and Churches

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

Livestreamed: myrcc.co/live Activities for all - children, youth, families, adults, senior

1 Tamar St, Ringwood VIC, 3136 (03) 9870 0102

Do you have an upcoming events?

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

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