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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 business owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.
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.
Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing
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 a 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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Next Issue of the Find Maroondah will be published on Friday January 16, 2024. Advertising and Editorial copy closes Friday December 22, 2023.
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Christmas Day and Holidays
By Warren Strybosch The Magic of Christmas and the Joy of Holidays The Christmas season is upon us once again. For many it is a time of joy, togetherness, and reflection for people around the world. At the heart of it all is Christmas Day, a holiday that holds a special place in the hearts of many. While Christmas is perhaps the most widely celebrated, it's just one of several holidays that make up the festive holiday season. Christmas Day: Celebrating the Birth of Jesus Christmas Day, celebrated on December 25th, is a significant Christian holiday that commemorates the birth of Jesus Christ. It's a time when Christians come together to reflect on the story of the Nativity, the birth of Jesus in Bethlehem, as recounted in the Bible. This day holds deep religious meaning for Christians and is often observed with church services, nativity scenes, and carol singing.
For many, Christmas is about much more than its religious origins. It's a time of giving, love, and sharing. Families and friends come together to exchange gifts and express their affection for one another. The tradition of decorating Christmas trees with ornaments and lights, along with the anticipation of Santa Claus's arrival, brings a sense of wonder and excitement, especially among children. Santa Claus, also known as Father Christmas in some regions, is a beloved figure associated with Christmas. He is said to travel the world on Christmas Eve, delivering gifts to well-behaved children. The story of Santa Claus, with his iconic red suit and reindeer-drawn sleigh, adds a touch of enchantment to the holiday season. The holiday season is a time of reflection, gratitude, and the joy of spending quality time with loved ones. It's a time when cultures from around the world come together to celebrate the values of love, kindness, and generosity. No matter which holiday one observes during this special time of year, the
message of unity and goodwill remains a constant, making the holiday season a truly magical and heartwarming time. Whether you celebrate Christmas, Hanukkah, Kwanzaa, or any other holiday, the spirit of togetherness and goodwill is what truly defines this festive time of year. Unfortunately, Christmas is not always a joyous time for everyone. For some people, it may bring back memories of loved ones lost, friendships that have moved on, and families that no longer meet. For those of you who find this time of year a struggle, we want to reach out to you and hope you can find some solace at this time of year. We hope new relationships will form and friendships forged; that you find laughter, a smile that you can return even if underneath you are dealing with some form of pain or sadness. From all the team at the Find Foundation and Find Group of companies, we hope everyone experiences a happy moment this holiday season and wish you all the best for the coming year.
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How to find peace within PARENTING By Lesley-Anne Banton The saying of peace and goodwill to all is bandied around at this time of the year, it suggests it’s something you have to do and give to others. What if this year you give it to yourself? At this time of year attention is often brought to who we don’t have in our lives, family disconnects and disputes and lack of what we don’t have. It can raise so many unhelpful thoughts, behaviour patterns and feelings. Sometimes we feel forced, obligated or guilted into spending time with people whom we may not get along with, feel trigged by or don’t align with. This maybe family and or close friends but mainly seems to be family members and we just don’t know how to navigate it. The situation or the anticipation of the event can evoke frustration, anger, anxiety and resentment, but not inviting them and including them in family gatherings gives you feelings of guilt, obligation, selfishness and or shame. What can you do? Without diving too deep, take a step back for a moment and look at your family patterns, dynamics, conditioning and rules. Who did you need to be to fit in and be accepted? Who did
your sibling need to be to fit in and be accepted? What roles did you take on? What were your generational family patterns and dynamics? Now just because you can recognise and see where the behaviour, conditioning, roles and patterns come from, this does not diminish what you have experienced. However it does help to give reason to it. Next, look at what part you have played in creating and continuing the behaviour pattern you are apart of with the person. We have responsibility in our part- if you deny this from yourself you disempower yourself with the ability to change the dynamic and set and protect your boundaries, so be honest - what was/ is your part? By owning and accepting your part and committing to create change you can and you will. By finger pointing and blaming you can guarantee there will be no change within you. Labels given to family members as an outcome of your birth does not make you obligated to them or accountable for their thoughts, feelings, actions or inactions. You do not need to seek their approval or acceptance of who you are, your true self at the core. If you removed their title (Mum, Dad, brother, cousin, Aunt) would you still have them in your life? What boundaries would you set? Who do you now get to become? By taking away the labels and expectations you can see the person more clearly, you can see yourself more
clearly.You can humanise the experience and perception of events to allow empathy to yourself and, possibly, to them. By dancing through these steps, you get to observe what comes up and comes to mind, it can help you see things from a different perspective. You now get to give the story you are telling yourself another meaning, a more helpful and empowering meaning. It helps you to detach yourself from an old unhelpful story you were telling yourself, it helps you to see the multigenerational unhelpful and sometimes dysfunctional family patterns and dynamics. You now get to express empathy, compassion and forgiveness to yourself for all you have experienced, for all the disempowering beliefs, thoughts, behaviours and patterns. For all the internal shame and guilt, you have put on yourself, you get to forgive and learn to love yourself more. You get to unearth your inner peace. Your inner peace is your gift to you, the gift of accepting where you are now with the wisdom of your strengths and resources that your experiences gave you. You give yourself the ability to relax and enjoy this time of year on your terms.
Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418 DECEMBER 2023 | FIND MAROONDAH
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Record $2.1 million fine over apprentice's
serious head injury OCCUPATIONAL HEALTH & SAFETY By Mark Felton
As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them. WorkSafe Victoria recently reported that an industrial component manufacturer and its director have been convicted and fined a total of $2.24 million and the director placed on a five year Community Corrections Order after an apprentice was seriously injured in Gippsland.
and that it was reasonably practicable to ensure that covers were fixed to the lathe to prevent pipes that protruded from being threaded, or that a fixed steady was used to support such pipes and an exclusion zone used to restrict access to the danger area near the pipe. WorkSafe Executive Director of Health and Safety Narelle Beer said overhanging work pieces were a wellknown safety risk when using lathes. "It is incredibly frustrating that this employer had several control measures to eliminate or reduce the risk available but simply chose not to use them," Dr Beer said. "The significant penalties for this company and director reflect the lifealtering impact this devastating incident has had on a vulnerable apprentice who was at the very start of his career."
Dennis Jones Engineering Pty Ltd and sole director Dennis Jones were sentenced in the Melbourne County Court yesterday after earlier pleading guilty to a single charge each under the Occupational Health and Safety Act. The company was convicted and fined a record $2.1 million for recklessly engaging in conduct that placed a person in danger of serious injury.
To manage risks when using metal turning lathes, duty holders should:
Jones was convicted and fined $140,000 for failing to provide or maintain safe systems of work by failing to take reasonable care as an officer of the company. He was also ordered to complete a Community Corrections Order of five years duration with a condition to complete 600 hours of unpaid community work.
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Ensure chucks, faceplates, couplings and clamps are compatible with the lathe and designed so there are no catch points, and worn or damaged tools are removed and not used.
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When oversize workpieces are machined, ensure a bar feeder or fixed/travelling steady is used to support protruding pieces, or modify lathe speeds to ensure protruding pieces do not bend.
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Create a restricted zone around the lathe operator and use suitable barriers and signage to stop employees from unnecessarily.
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entering the work area, including the area around any oversize workpiece
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Ensure suitably identified controls, including an emergencystop button/pedal, are within
In October 2021, Jones directed the 20-year-old apprentice to use a plastic sleeve to steady lengths of steel pipe that he was threading on a lathe at the company's Morwell workshop. The apprentice was holding the plastic sleeve on the end of a pipe that protruded nearly 1.5 metres from the rear spindle of the lathe and was struck when the pipe bent and whipped. He was placed in an induced coma, airlifted to hospital and underwent surgery for serious head injuries. A WorkSafe investigation found Jones should have been aware of the risk
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Install appropriate guarding to prevent employees from being struck by projectiles or becoming entangled in moving or protruding parts such as drive mechanisms, lead and feed screws, chucks and the workpiece.
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easy access of away from the
operator and working zone.
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Ensure all operators are appropriately trained and competent before beginning work.
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Provide employees with appropriate personal protective equipment (PPE) such as steel-capped boots and safety glasses and ensure no gloves or loose-fitting clothing is worn when operating or cleaning the lathe.
As a business owner, are you confident that you do not have shortfalls in your efforts to keep your workers healthy and safe? Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe? At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation. Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@ beaumontlawyers.com.au for an obligation and cost-free initial discussion.
Mark Felton Occupational Health & Safety www.thebeaumontgroup.com.au
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LACTATION CONSULTANT By Dr. Joanna Strybosch
Anticipating your baby’s first Christmas is really special and everyone loves it when there’s a new baby in the family at Christmas time. However, we know that the lead up to the season can leave mothers and their little ones feeling tired and frazzled. Preparing for Christmas always makes life extra busy and it can take a lot out of you both physically and emotionally. For most families it involves planning and organising gatherings with family and loved ones, which often involves travel. There can be increased pressure on finances, the weariness of battling crowded shopping centres, not to mention extra cooking and cleaning as we prepare for the festivities. For mothers and babies, this can be a recipe for “Christmas colic”. In other words, an unhappy, difficult to settle baby. In order to set yourself up for a happy Christmas Day, consider the following tips: 1.
Work out where your baby is going to sleep on Christmas Day. If you’re planning to spend time in someone else’s home on Christmas day, it will pay dividends to have a good preemptive think about where your baby will take their naps. Whilst there may be a house full of willing relatives prepared to nurse, rock and cuddle your baby non-stop, this will only work for so long. Eventually your little angel will become overstimulated and exhausted from all that handling and at some point you will have to extract your baby from granny's arms and find a suitable sleeping place. Ideally you’ll need the use of a quiet room, away from the hustle and bustle of the Christmas festivities, with either a bed for you to both lay down on, or a cot of some description (porta-cots can be great option and tend to work better than a pram in scenarios like this.) Alternatively, a baby carrier may be the very best thing. 2. Have Christmas at your house In the end, it may just be the best decision to have everyone come to your house for Christmas. After all you’re the one with the new baby. The benefit is that your baby can nap in their normal sleeping environment and you don’t have to lug all of that extra gear with you and set it up in someone else’s house, when all you really want to do is relax and enjoy the gathering. That doesn’t mean that you do all the cooking either! Make sure to delegate when it comes to who’s bringing what food and accept all offers
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How to Have
a Merry Christmas with a Baby
of help. Especially help with washing dishes and cleaning up afterwards. 3. Consider alternate times to gather Meeting for breakfast or brunch may be a more suitable time for you and your baby. See if your family can be flexible and depart from traditional lunch or dinner this year. Babies are usually more rested and happier in the morning which can make everyone’s day more enjoyable. 4. Have realistic expectations Chances are your baby’s first Christmas may not go exactly as you hope it will. Your own stress levels will probably be running higher, you may be extra tired, your baby may not have slept the night before, and you may have a long car trip before you get there. Expect your baby to find the day tiring and expect to find it tiring yourself. Then, if things don’t go quite to plan, you can be kind to yourself and willingly let go of the expectations that you may have had for the day. Be prepared to leave early if you need to. Parenting is not picture-perfect. It’s hard work and it’s messy at times and that’s okay. Next Christmas your baby won’t be a baby anymore! 5. Prioritise baby’s feeds Be mindful about noticing your baby’s earliest hunger cues, and try to respond to them promptly. Don’t delay. When there’s lots of people handling the baby, or your busy doing other things, its easy to miss their early, more subtle cues. However, its best not to wait til your baby is upset before feeding them. This will only make things more difficult in the end. Enjoy yourself but go easy on the alcohol and plum pudding If you’re breastfeeding, just be mindful that what you consume, your baby does too. A lot of rich food or unaccustomed food can lead to fussiness later on. Better to not indulge in too much that varies greatly from your usual food choices.
Photo credit: Kateryna Hliznitsova, via Unsplash
And if you are planning to consume alcohol, you need to do so carefully around the timing of your feeds. It takes approximately 2 hours for a standard drink to leave your bloodstream and your breastmilk. That means you should not breastfeed your baby within two hours of consuming alcohol. The best time to have an alcoholic drink is just after feeding your baby so that you have as much time as possible for your body to break down the alcohol before your baby needs to feed again. It’s a really good idea to consider expressing a feed and taking it with you so that you don’t get caught out. Any milk you express whilst you have alcohol in your bloodstream is not safe for your baby and will need to be thrown away. Download the FeedSafe app by the Australian Breastfeeding Association, to help you calculate how long after consuming alcohol you can safely breastfeed again. If in the end everything goes to pieces and you end up with an over-tired baby who hasn’t slept or fed well all day, just remember you can start again tomorrow. Plan a quiet day at home for the following day. Appreciate the time you’ve had with your loved ones and for the gift of your new baby and take some photos to remind yourself of your baby’s first Christmas. You’ll be glad for the memories in years to come.
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Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds
LACTATION CONSULTANT www.childrensosteopathiccentre.com DECEMBER 2023 | FIND MAROONDAH
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Corporate Insolvency; Or, The death trap of debt and bad luck spiralling out of control! LEGAL By Dean Bosman
Often it can feel like the mountain of debt for the business is inescapable, and it burns through your mind day in and day out, trying to get on top of the debt, whilst still needing suppliers to give you material for your business. Often it can be one or two major clients having gone into liquidation that leaves you overextended and unable to make ends meet. There are a lot of issues to consider of course, and there are no simple answers, however there are some options that can take the pressure off, and in some cases remove it altogether. The simplest and most effective options are Small Business Re-Structuring, Safe Harbour Protections, and Liquidation, sale and purchase through a new entity. These are great options, but with a number of caveats. Small Business Re-structure For smaller enterprises, the Small Business Restructuring (SBR) process provides an alternative to traditional insolvency procedures. The SBR process aims to streamline the restructuring of small businesses, making it more cost-effective and less time-consuming. Under this scheme, eligible small businesses can develop and propose a restructuring plan to creditors, allowing them to continue trading while addressing their financial challenges. The director stays in control, and the forensic accountant (a registered liquidator) provides suggestions and advice about how to manage the debt, how to streamline the business, for example outsourcing things that can be done faster and better by specialists, but mainly dealing with your creditors and making a deal with them. Many creditors will take a lesser amount on the basis that there will be ongoing trade for them. In order to qualify for SBR, you need to have a maximum of $1M in debt, your tax returns and BAS’s up to date, and employee entitlements (read Superannuation) up to date. You will need to engage a registered liquidator. Safe Harbour Provisions Recognizing the challenges faced by directors in distressed companies, the
government has introduced safe harbour provisions. These provisions provide directors with a degree of protection from personal liability for insolvent trading if they take prompt and reasonable steps to develop a course of action that is likely to lead to a better outcome for the company and its creditors. To avail yourself of safe harbour protections, directors must be able to demonstrate that they have acted in good faith and with due diligence to prevent the company from trading while insolvent. This may involve seeking professional advice, developing a restructuring plan, or taking other measures to improve the company's financial position. By doing so, directors can shield themselves from personal liability and contribute to the preservation of the company's value. Again, you will need a registered liquidator to assist.
Creation of New Corporation, Sale of Business to the new Corporation, then Liquidation of the old, indebted Corporation First of all, this is not a Phoenix Operation. A Phoenix Operation is where the old corporation transfers its assets, accounts, funds, stock in trade etc to a new entity, and then carries on trading, avoiding the old company’s debts. It will often involve de-registering the old corporation. This is unlawful, and quite simply a foolish way to try and resolve things. There are two ways you can go about this: 1.
Engage a registered business valuer to provide a formal valuation on the business, and then purchase the business from the old corporation with a new corporation. Do not use funds from the old corporation for
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the purpose, or the new corporation will be owned by the old one. The transaction must be an ‘arms length’ transaction, which means the funds must come from elsewhere – it can be a loan to the new entity, you may have savings that have accrued from drawing your salary from the old corporation, as long as you have paid PAYG tax, you can pay yourself with franked dividends (ask me about this if you’re unsure, as it’s an entire article on its own). As long as the source of the funds does not come back to the old corporation. You will need to have formal business sale contract to ensure everything is done legitimately, and the contract will list all the assets, stock etc that are being transferred, so there is a clear path in which the assets are transferred as part of the transaction. You can then appoint a liquidator to the company, though the funds for the purchase must stay with the old entity. Those funds can be used to pay the liquidators fees, and any balance will be spread among the creditors of the old corporation (usually for a small percentage of the debts owed). The liquidator will review the transaction to make sure it is not an ‘uncommercial transaction’ – for instance if the valuer says the business is worth $50,000, but you only pay $30,000, the liquidator will come after the new entity for the
DECEMBER 2023 | FIND MAROONDAH
$20,000 difference. Also be aware that if you have given personal guarantees for debts, this process will not avoid the guarantees, and the creditors with guarantees will still come after you personally. 2.
Engage a liquidator for the old entity, then create a new entity and have the liquidator provide a valuation on the business of the old entity from a registered valuer, and as above, the new entity buys the business from the liquidator. As long as the transaction is an “arms length” transaction, then the transition to the new entity is genuine and without issues. Again, the liquidator uses the funds from the sale of the old business to pay out the creditors, and the old corporation is de-registered. The good thing about this process, whichever you use, is that the former owner of the business is best placed to pay the highest value – someone who does not know the business would be taking a risk, and therefore will not pay as much for the old business. Now the caveats. If the director has carried on a long time with the debts, incurring new liabilities with no chance of paying them, he or she may be trading whilst insolvent, and may have exposed themselves to personal liability for the debts of the company. Accordingly, the sooner
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the better to take action before any chance of insolvent trading looms. Wrap Up Navigating insolvency does require an understanding of the legal options available to businesses in distress. Liquidation and business sale, conducted through ‘arm's length’ transactions, can provide an avenue for companies to shed the burden of old debts and continue operations under a new corporation. Additionally, the implementation of safe harbour provisions and Small Business Restructuring, offers directors protection from personal liability, encouraging them to take the necessary steps to revive the company's financial health. It is crucial to seek advice before taking steps, so feel free to call me to discuss. There is no fee for an initial discussion, which can include talking with an insolvency practitioner to ensure compliance with the relevant laws and regulations. We have a number of liquidators we use, and they are very good at navigating the issues with you.
Dean Bosman www.mercantilelegal.com.au dean.bosman@mercantilelegal.com.au
0422 114 300
Warren Strybosch Financial Adviser hosted by Ben Nash @findfoundation/videos
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NATUROPATH By Kathryn Messenger
The lead-up to Christmas can be a whirlwind of activity, shopping, planning, and celebrations. While it’s an exciting time for kids, being the parent who is often reminded of the countdown and just how few days they have left to get through the never-ending list, can be overwhelming and stressful. Finding ways to stay calm and maintain a balanced lifestyle is crucial to enjoy both the traditions of this special time of year and your family. Here are some tips for remaining calm and healthy as you navigate the bustling days before Christmas.
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A Calmer Christmas
Prioritise Self-Care In the midst of shopping for gifts, decorating, and preparing meals, it's easy to neglect self-care. However, taking time for yourself is essential for mental and physical health. Incorporate short breaks into your day to recharge and reduce stress. Even a few minutes of deep breathing or a brisk walk can make a significant difference, or catch up with a friend if you have a little more time. Mindful Eating Holiday feasts are a common part of Christmas, but overindulgence can lead to feelings of guilt and discomfort, and sometimes weight gain. Practice mindful eating by savoring your food, eating slowly, and paying attention to hunger and fullness cues. This can help you enjoy a treat without overdoing it. If you do have a massive dinner, skip breakfast and wait until you feel hungry before eating again. Stay Active Regular exercise is a powerful tool for managing stress. Even during this busy time, make time for physical activity. It can be as simple as a quick home workout, a walk in the evening, or dancing to your favourite music. Exercise not only relieves stress but also boosts mood and energy levels. Adequate Sleep Sleep is often sacrificed during the holidays due to late-night parties and additional responsibilities. However, quality sleep is vital for health and managing stress. Prioritise your sleep, aim for 7-9 hours of sleep, create a relaxing bedtime routine including writing a ‘to do’ list so that you don’t wake with it during the night. Realistic Expectations It's easy to get caught up in the pictureperfect holiday vision depicted in social
At Whole Naturopathy we can treat a nervous system imbalance, reduce your stress, and help to increase your energy levels if you’re needing some extra support at this time of year. media. However, it's so important to remember what Christmas is about, so set realistic expectations for yourself and your celebrations, let others help even if they don’t quite do things the same way you might. Embrace imperfections and focus on the joy of spending time with loved ones. Practice Gratitude Christmas is an excellent time to reflect on what you're grateful for, and what you really value in your life. Regularly acknowledge the positive aspects of your life. Gratitude can boost your mental well-being and help you maintain a positive perspective, even when things get busy. In conclusion, finding balance and maintaining calm during the lead-up to Christmas is really important for your health and well-being. Prioritising selfcare, mindful eating, exercise, sleep, and
realistic expectations will go a long way in reducing stress and helping you enjoy Christmas and the lead up to it. If you make choices that support your physical and mental health, it may mean a happier and healthier Christmas for your whole family.
Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria
This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.
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Elmedia Marketing: Empowering Maroondah
Businesses with Free Facebook MARKETING SUPPORT
DIGITAL MARKETING By Ethan Strybosch
At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we're thrilled to introduce an exciting opportunity for businesses in Maroondah. We're extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape. No Strings Attached You might be wondering, "What's the catch?" Well, we're here to tell you there isn't one! Our mission is simple: to empower Maroondah businesses. We're offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook—meaning you only pay for the actual ads themselves. Why We're Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the everevolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively.
Additionally, we're eager to gather feedback on our services. We invite you to share your experiences and leave a review if you feel it's worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community. What's in Store for Your Business When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals. The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend. Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you're a local business in Maroondah, simply reach out to us to express your interest or ask any questions about the program. We'll carefully assess your business's unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we're excited to showcase our capabilities. Join Us in Empowering Maroondah Businesses
Don't let this golden opportunity slip through your fingers. Seize the chance to boost your business's online visibility and reach a wider audience. We're eager to extend our expertise to help you navigate the world of Facebook advertising. As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Maroondah community. Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business's online advertising game. Together, we can build a stronger, more prosperous local business community in Maroondah. Let's make waves in the digital world and support the businesses that make our community great. Feel free to contact us via email at: info@elmedia.com.au or via our Contact Us page at Elmedia.com.au
Ethan Strybosch Co-Founder
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Wondering how to help Maroondah’s precious wildlife? NATURE & CONSERVATION By Liz Sanzaro
What does it take for a species to survive and thrive? Make sure their habitat is suitable for those creatures we live among.
can get in, and you have something like slate on the floor where they can sunbake happily. They will eat any bugs that may also live in your house. Just carefully remove them using a dustpan and brush, because if you try to pick them up they may do a “cut and run”, where they shed their tail, which keeps on wriggling for quite some time, so thay can get away. Some people have seen the tail continue to jerk for up to five minutes. Happliy they will re-grow a new tail as soon as they are safe from harm.
Lets take lizards. The blue tongue lizard is to be found in Maroondah, and one of its best features, if you are lucky enough to have one or more in your garden, is that it eats snails, but you need to be sure you have not used snail pellets, or you may well kill the lizard by secondary poisoning. You can have my tail, but not me!
Great camouflage.
Lizards do not like to live under trees, especially if those trees have Kookaburras living in them.
As the days get longer and warmer, it's not just humans that are drawn out into the sunshine. Blue-tongued lizards are out and about, and it's often hard to tell if they are fighting or mating. Cats and dogs are absolutely a threat to lizards, and so you need to keep cats in cat runs, and the dog inside unless walking on a leash. If you know you have a lizard, fence off that section of the garden so the dog cannot get to it. What lizards like best is open sunny areas with tussoky grasses, plenty of leaf litter, scattered logs and rocks all of which they can hide under, or sunbake near, but out of view.
As for common garden skinks, they may well have been living in your wood pile if it is sheltered from rain. They also like to hide in bark, decaying logs on the ground ar even inside your house, if they
Maroondah Council is working on no less than eight connected habitat biolink corridors. More details to come as their plan unfolds. Don’t lose hope as we lose so many trees for the train rail works, we can still make a difference to small patches of Maroondah where wildlife has a better than average chance of survival, with a little help from us all. Also we will be inviting residents to ask CCS for a free tree from our local indigenous nursery Candlebark, and plant it in your own property. Contact us to accept this offer, by looking at our website and filling in the contact us form. www.croydonconservation.org.au
Liz Sanzaro
President of Croydon Conservation Society liz@sanzaro.com | www.croydonconservation.org.au
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By Joe Burton Professor of International Security (Security and Protection Science), Lancaster University
The significant risks that AI poses to global security are becoming clearer. That’s partly why UK prime minister Rishi Sunak is hosting other world leaders at the AI Safety summit on November 1-2 at the famous second world war codebreaking site Bletchley Park. Yet while the technology of AI is developing at an alarming pace, the real threat may come from governments themselves. The track record of AI development over the last 20 years provides a range of evidence of government misuse of the technology around the world. This includes excessive surveillance practices, the harnessing of AI for the spread of disinformation. Although recent focus has been on private companies that develop AI products, governments are not the impartial arbiters they might seem to be at this AI summit. Instead, they have played a role that’s just as integral to the precise way that AI has developed – and they will continue to. Militarising AI There are continual reports that the leading technological nations are entering into an AI arms race. No one state really started this race. Its development has been complex, and many groups – from inside and outside governments – have played a role. During the cold war, US intelligence agencies became interested in the use of artificial intelligence for surveillance, nuclear defence and for the automated interrogation of spies. It is therefore not surprising that in more recent years, the integration of AI into military capabilities has proceeded apace in other countries, such as the UK. Automated technologies developed for use in the war on terror have fed into the development of powerful AI-based military capabilities, including AI-powered drones (unmanned aerial vehicles) that are being deployed in current conflict zones. Russia’s president, Vladimir Putin, has declared that the country that leads in AI technology will rule the world. China has also declared its own intent to become an AI superpower. Surveillance states The other major concern here is the use of AI by governments in surveillance of their own societies. As governments have seen domestic threats to security develop,
AI: the real threat
may be the way
that governments
choose to use it including from terrorism, they have increasingly deployed AI domestically to enhance the security of the state. In China, this has been taken to extreme degrees, with the use of facial recognition technologies, social media algorithms, and internet censorship to control and surveil populations, including in Xinjiang where AI forms an integral part of the oppression of the Uyghur population. But the west’s track record isn’t great either. In 2013, it was revealed that the US government had developed autonomous tools to collect and sift through huge amounts of data on people’s internet usage, ostensibly for counter terrorism. It was also reported that the UK government had access to these tools. As AI develops, its use in surveillance by governments is a major concern to privacy campaigners. Meanwhile, borders are policed by algorithms and facial recognition technologies, which are increasingly being deployed by domestic police forces. There are also wider concerns about “predictive policing”, the use of algorithms to predict crime hotspots (often in ethnic minority communities) which are then subject to extra policing effort. These recent and current trends suggest governments may not be able to resist the temptation to use increasingly sophisticated AI in ways that create concerns around surveillance. Governing AI? Despite the good intentions of the UK government to convene its safety summit and to become a world leader in the safe and responsible use of AI, the technology will require serious and sustained efforts at the international level for any kind of regulation to be effective. Governance mechanisms are beginning to emerge, with the US and EU recently introducing significant new regulation of AI.
But governing AI at the international level is fraught with difficulties. There will of course be states that sign up to AI regulation and then ignore them in practice. Western governments are also faced with arguments that overly strict regulation of AI will allow authoritarian states to fulfil their aspirations to take the lead on the technology. But allowing companies to “rush to release” new products risk unleashing systems that could have huge unforeseen consequences on society. Just look at how advanced text-generating AI such as ChatGPT could increase misinformation and propaganda. And not even the developers themselves understand exactly how advanced algorithms work. Puncturing this “black box” of AI technology will require sophisticated and sustained investment in testing and verification capabilities by national authorities. But the capabilities or the authorities don’t exist at the present time. The politics of fear We’re used to hearing from the news about a super-intelligent form of AI threatening human civilisation. But there are reasons to be wary of such a mindset. As my own research highlights, the “securitisation” of AI – that is, presenting technology as an existential threat – could be used as an excuse by governments to grab power, to misuse it themselves, or to take narrow self-interested approaches to AI that don’t harness the potential benefits it could confer on all people. Rishi Sunak’s AI summit would be a good opportunity to highlight that governments should keep the politics of fear out of efforts to bring AI under control.
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Life insurance through the ages FINANCIAL PLANNER By Erryn Langley
Whoever said, ‘the more things change the more they stay the same’, was dead wrong when it comes to life insurance. While protection against adversity is always wise, your actual needs change as you move through different ages and stages of life. From when you take your first job and go out into the world, life insurance in all its many forms has a role to play. Life insurance falls into four main categories: • Income protection - Pays a monthly benefit if you are unable to work due to sickness or injury • Trauma - Pays a lump sum for a specific injury or illness • Total and permanent disability (TPD) - Pays a lump sum if you are permanently unable to work • Death - Pays a lump sum if you die or become terminally ill. Shifting needs Life insurance is like a bell curve – you need a low level of cover when you are setting out in life, growing to a high level in your middle years when your responsibilities and debts are at their peak and then possibly dropping back when you retire. The need for cover is ultimately about ensuring you have sufficient financial back-up should something go wrong. While superannuation offers most Australians some form of life insurance, it is generally a basic level of cover and may need topping up outside super. Each stage of life has its challenges, whether you are young and single, just married, starting a family, empty nesters or retiring. Whenever a major event occurs in your life, such as marriage or the birth of a child, you need to consider whether you have the right cover for your current needs. Young and single When you are starting out in life you may not need life cover, but what would happen if you were injured in a car crash and couldn’t work for six months? What happens when your sick leave runs out? How would you pay your rent, car loan, utility bills and basic living expenses? That’s when income protection insurance can be a lifeline.
Just married Once you are part of a couple you naturally want to protect each other’s wellbeing. If something happened to either one of you it could put tremendous strains on the other person. This is even more likely if you have bought a home and are saddled with a mortgage. Life insurance, income protection and trauma insurance can all help you protect your lifestyle. And both partners should seek cover because both are contributing. Starting a family Once children come on the scene, the need for life insurance is even greater. If something were to happen to you or your partner, then the financial burden could be significant. Who would look after the children? Could they stay at the same schools? Could your partner pay the mortgage on one salary? Income protection, life insurance, trauma insurance and total and permanent disability should all be considered. Once again, it’s important to make sure both partners are covered – even if one isn’t working, the costs associated with childcare and household tasks can be considerable. Empty nesters Just because the children have left home doesn’t mean you don’t still need access to money should something occur. Sure, you are probably at the peak of your earnings, but many empty nesters still have a mortgage. Even if you don’t, why put at risk all the wealth you and your partner have worked hard to build up for your retirement? Life insurance can help you protect these assets. Retirement Once you are retired, your need for life insurance may diminish. At this stage of life, you will probably have paid off your mortgage and your children are likely to be independent. As a result, insurance cover might just be a means to leave an inheritance for your children. Or you might want to have a policy to provide for your funeral. Life is forever changing, as are your insurance needs. It is not a one-size-fitsall. How to plan a gap year for grown ups It’s not just school leavers who dream of a gap year. Those of us who’ve been working for a decade or two (or more) may also long for a real break from career and commitments.
It does not even need to be a year – just enough of an extended break to reset and to take stock of what’s important to you. There‘s the opportunity to learn new skills or another language, explore different cultures or do a road trip around Australia. By planning ahead and making sure your break is not going to derail future financial goals, taking an extended period off work can be achievable. Dare to dream Start by finding an idea that might work for you. There are a host of websites that can help you to plan your adult gap year. They will provide tips and tricks for travel and where to find work (paid or volunteer). You might consider: •
Setting off around Australia. Taking off on an extended trip you can take the time along the way to really get to know parts of the country you’ve never seen. You could camp, caravan or stay in quirky country motels along the way.
•
Chasing the sun. Research affordable countries in warmer climates and set up in a beach shack. You will need to check rules on tourist visas.
•
Becoming a backpacker. There are plenty of cheap but comfortable accommodation options around the world to allow you to prolong your time away.
•
Taking a long walk. You can find much-loved and ancient tracks in Australia and around the world to expand your horizons. From the Great Himalayan Trail in Nepal – to Spain‘s Camino De Santiago, or one of Australia‘s iconic walks such as the Heysen Trail in South Australia.
The importance of planning Once you have established what your break will involve, work out a budget that takes account of the costs you will continue to incur (such as mortgage or loan repayments, insurance, utilities, car registration and rates) as well as your best estimates for accommodation, food, travel and spending money for your destination(s). Don‘t be daunted by an amount that may appear unachievable at first glance.
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Work out how to save on costs when travelling. Some ideas include: •
•
•
Living like a local. Try swapping your house with someone in another part of the world. House swap websites match up homeowners looking to live in different places for varying periods of time. Alternatively, you could rent out your home while you are away and/or sign up to a housesitting website. Working differently. Your gap year might be more about doing something different than taking it easy. Find organisations and websites – such as http://workaway.info/ and http:// wwoof.com.au/ - that cater for working travellers. You could choose to work on farms around the world in return for food and board for example. Becoming a digital nomad. If manual labour isn‘t your thing, you could pack your computer and hook up to one of the many digital work websites – such as http://digitalnomadsworld. com/, http://upwork.com/ or http:// fiverr.com/. Many countries now encourage this trend by offering digital nomad visas.
Then, with your costs under control, and a clear goal in mind, it‘s time for a savings plan. You will want to reduce your current living expenses as much as possible to maximise savings and think about setting up a direct debit to a high interest savings account. Check the https://moneysmart. gov.au/saving/savings-goals-calculator to see how much you will need to save every month. If you have more than a few years to plan your gap year, you could look into some longer term savings and investment options such as shares, exchangetraded funds (ETFs), or term deposits. While a gap year is exciting, planning ahead financially is essential to ensure you don’t fall into debt. You also need to carefully consider how this could affect your long-term financial goals. You probably won’t be making super contributions, so this may impact your super balance and retirement plans.
Keeping your self accountable
“At the end of the day, we are accountable to ourselves our success is a result of what we do.” - CATHERINE PULSIFER
It can be both empowering and a little uncomfortable to think that we are responsible for our successes – and failures.
Being willing to accept the consequences of our actions, choices or behaviours is not always easy. We’ve all at some time or another played the ‘blame game’. It’s so easy to look outward and blame others for our problems, hardships or the obstacles that are getting in the way of us achieving our goals and dreams. For example, it’s the company’s fault that I keep getting passed over for that promotion, my team at work is holding me back, my partner is not being supportive enough of me. The reality is there are always external forces at play that impact our lives and focussing on these external forces takes away our personal accountability. What does it mean to be accountable? Being personally accountable means taking responsibility for one’s own actions (or in some cases – lack of action!). It’s maintaining an ongoing commitment to yourself and what is important to you. Here are a few ways you can become more accountable: 1. Remove the roadblocks It all starts with your mindset. Choose to consciously embrace an accountable approach and recognise that you are the architect of your destiny. That means letting go of the excuses and recognising them for what they are - roadblocks that are holding you back from taking responsibility for your own actions. 2. Set goals It helps to know what you are trying to achieve – whether that be in your career, relationships or personal life. Take the time to set concrete goals, jot them down, and have a plan of how you will achieve them and in what timeframe. Start by setting yourself smaller goals as they will be easier to achieve in the beginning. Setting goals (even if they are small ones) and achieving them allows you to prove to yourself and others that you can and will hold yourself accountable. 3. Create your own opportunities Accountability empowers you to be in control of your actions in your personal life and career. You can create your own opportunities rather than passively allowing life to happen to you. Being accountable is about fulfilling your obligations to yourself as well as to others, so when you achieve what you’ve been aiming for, take time to recognise these milestones and celebrate them.
4. Take responsibility for your decisions Embrace the ‘good, the bad - and the ugly’ and accept the consequences of your actions, choices and behaviours, be they positive or negative. Revel in the positives, but don’t be afraid to admit and own up to your mistakes. One of the most powerful ways we learn is through making mistakes and taking responsibility for them. That means acknowledging that there is a problem, identifying your role in it and proposing a solution to minimise or eliminate the chances of it happening again. 5. Learn from your mistakes To reach your potential it’s necessary keep extending what you are capable of and taking risks and that means making mistakes. Don’t beat yourself up but think of what you would have done differently and what you’ve learned from the experience. 6. Ask for help The road to success does not have to be a lonely one. An accountability partner can be someone who shares your goals and supports you to keep your commitments or maintain progress on a desired goal. Having an accountability partner has been proven to increase your chances of success to an astonishing 95% if you have a specific accountability appointment with a person you’ve committed to.
Erryn Langley 1300 557 144 erryn@findwealth.com.au
www.findwealth.com.au Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/ Erryn Langley is Authorised representative (No. 1269525) of Alliance Wealth Pty Ltd. This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication. Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
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super snapshot for 2023 - 2024 The Topic
The rule
The details
• Includes all employer contributions and personal contributions where tax deduction Concessional contributions cap
$27,500 per year
claimed • Excess taxed at marginal tax rate plus Medicare less 15% tax offset. • Excess not withdrawn from super counts towards non-concessional cap
Carry forward unused concessional cap
Non-concessional contributions cap
From 201819, unused concessional cap can be carried forward for rolling 5 year period
$110,000 per year
• Total super balance less than $500,000 on 30 June in year before using unused cap • Access to unused cap automatically calculated by ATO if exceed cap in current year
• Total super balance less than $500,000 on 30 June in year before using unused cap • Access to unused cap automatically calculated by ATO if exceed cap in current year
• Must be under 75 on 1 July in year of contribution Non-concessional contributions bring forward rule
$330,000 anytime over a 3 year period
Total Super Balance
NCC Cap
< $1.68m
$330,000
$1.68m to $1.79m
$220,000
$1.79m to $1.9m
$110,000
> $1.9m
$0
• Required if 67 or older on day of personal contribution where a tax deduction to be Work test
40 hours of gainful employment in 30 consecutive days
claimed • No longer required for all other contribution types • Final day a personal contribution can be made is the 28th day of the month following month turned 75.
Work test exemption
Superannuation Guarantee
Exempt from work test for financial year after last met test if eligibility criteria met
11% of ordinary time earnings
• Required if 67 or older on day of personal contribution where a tax deduction to be claimed • No longer required for all other contribution types • Final day a personal contribution can be made is the 28th day of the month following month turned 75.
• Maximum income where SG payable $62,270 per quarter ($249,080 pa)
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The Topic
The rule
Government Co-contribution
50c per $1 of non-concessional contributions made up to $500 maximum cocontribution
The details
• Where $1,000 contributed, co-cont equals: • $500 where total income less than $42,016 • $500 – [(total income - $42,016 x 0.333] up to income of$57,016 • $0 where total income more than $57,016 • Total super balance must be less than $1.9m • 10% or more of total income from employment • Under 71 and submitting tax return
Super Splitting
Transfer Balance
The lesser of: • 85% of concessional contributions, and • concessional cap (including carry forward of unused cap)
Maximum amount that can be used to commence retirement income streams
• Splitting voluntary on super fund • Only contributions from previous financial year can be split • Unable to split if spouse 65 or has met retirement condition of release
• Transfer balance account used to measure available cap with credit/debit system • $1.9m cap if never started retirement income stream • Amount of indexation available is determined by the unused cap percentage • If 100% of your personal cap has been used in the past, no further indexation available.
CONGRATULATIONS! WARREN STRYBOSCH Find Group on winning the Holistic Adviser of the Year again at the IFA Excellence Awards 2022.
Find Accountant | Find Wealth | Find Retirement | Find Insurance | Find Aged Care Services | Find Foundation | Find Network The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates accros Victoria.
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022 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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Green home loans
ARE YOU READY TO GREEN? MORTGAGE BROKERING By Reece Droscher
sustainability criteria. Most lenders who offer a Green Home Loan will require the property to have a 7 stars or higher rating under the Nationwide House Energy Ratings Scheme (NatHERS). Most newly constructed homes are required to achieve this rating as part of the construction plan, however there are other ways in which an existing home can achieve this rating. For example installing rooftop solar panels, rainwater tanks and grey water treatment systems are all common ways that home owners are utilising to improve their home energy rating and qualify for a Green Home Loan.
As the property sector contributes around 25% of all of Australia’s greenhouse gas emissions, governments, consumers and businesses are now looking at ways in which this sector can help by providing more environmentally friendly options for new and existing homes. With a greater emphasis on higher energy ratings for new homes and improving the energy efficiency in existing properties to try and combat the climate crisis, a relatively recent innovation has been the introduction of Green Home Loans being Are Green Home Loans the same as offered by several lenders in the finance normal Home Loans? market. Green Home Loans generally offer the same features that a standard Home What is a Green Home Loan? Loan product contains, including redraw, A Green Home Loan is a product which offset and the ability to make extra encourages buyers of existing or new repayments. The difference is in the homes to purchase more environmentally interest rate, as lenders look to reward friendly properties in exchange for a borrowers who are taking steps to reduce lower interest rate. These loans are also their environmental impacts. offered to borrowers who are looking to renovate an existing home into a more What difference will it make to my interest rate? environmentally sustainable property. How do you qualify?
There are only a small number of lenders currently offering Green Home To qualify for a Green Home Loan Loans at present. The difference in rates the property has to meet certain between standard products and Green
Home Loans varies between the lenders, however most lenders are offering around 0.20% discount off the interest rate for the Green Home Loan options. It would be best to discuss this with a Broker to determine what the financial benefit would be if you were eligible to take up this option. It is important to note that some lenders, who don’t currently have a Green Home Loan offering, are trying to incentivise borrowers to make environmentally friendly improvements to their existing homes in other ways. Some have a cashback incentive available for existing borrowers who buy properties with rooftop solar panels already installed, or offer discounted personal loans for borrowers looking to install solar panels at home or for the purchase of electric vehicles. If you may be eligible for a Green Home Loan, or would like to review your current financial situation, I would love the opportunity to discuss this with you.
Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs. reece@shlfinance.com.au www.shlfinance.com.au
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Ringwood Bowls Club 2-12 Loughnan Road, Ringwood
Give Bowls A Go...... Sunday 19th November 12:00 pm - 4:00 pm
GIVE BOWLS A GO.........
Free Instructions Easy to learn Bring your family and friends Open to all ages Bare feet or flat soled shoes Club memberships available
+
Bowls, a game for all of the family
1:00 - 3:00 pm for the KIDS
Play in competitions and club social games. Join our Junior and Open Age Development Squads
Coaching For Beginners, Intermediate and Advanced Bowlers. Our Head Coach, Mark O'Halloran will be available to help you during the day. Join our Free Club Coaching Program as a part of your membership. See Displays & Information from Ringwood Community Sports Clubs Ringwood Saints Baseball Club
Ringwood Bowls Club Venue Hire
Maroondah Social Darts Association
Plus more........ Give Bowls A Go at the Ringwood Bowls Club is proudly supported by the Maroondah City Council
Contact Us
9870 6767
clubsec@ringwoodbowls.com.au
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Bookkeeping -
Back to basics
BOOKKEEPING By Jodie Moore
Chart of Accounts You could say that the Chart of Accounts is where bookkeeping begins. When you start a business, one of the first things you are going to want to do is work out your Chart of Accounts. As mentioned in the October edition, the Chart of Accounts is a list of all the accounts you use to categorise your financial transactions to record them in your general ledger. They act a bit like a map, categorising your transaction types into assets, liabilities, equity, income, and expenses. You then break each category down into different Accounts. For example, the Assets section will have things like Cash at Bank, Accounts Receivable/ Debtors, and Inventory. The Income section might have Sales, Service fee and Interest received. The Liabilities section might have Mortgage, Accounts Payable/Creditors and GST collected. The Expenses section will have things like Wages, Marketing expenses, Electricity
and Rent. And the Equity section will have Capital and Drawings. Each account is also given a number and usually a brief description. Your bookkeeper will be able to help you set this up properly and will work with you to determine what Accounts you will need. Once you take the time at the beginning to set this Chart of Accounts up, you won’t need to change it much other than maybe adding another Account occasionally if you have a new transaction that doesn’t fit into any of the other accounts, such as a new subscription or a new debtor or creditor. Every transaction will have a source document. When you buy something, you will usually receive an invoice and/or a receipt. When you provide a service, you will give the client an invoice. A cheque butt can be a source document as can a credit note for an item you returned but did not receive a refund for. Many transactions, particularly those where you give or receive a product or service upfront, but don’t pay straightaway (resulting in a debtor/ creditor situation) may have more than one source document – an invoice at the
time of the initial transaction and a receipt when that service/product is paid for. Both source documents are required in the bookkeeping process particularly in the Accrual system (more on this in a future article). When you hand your source documents and bank statements to your bookkeeper, they will sort through all the transactions and assign them to an Account. With any luck, you are using some sort of accounting software such as Xero so this process will be a lot quicker (saving you dollars). Yes, there is a monthly fee to use the software, but this is generally tax deductible and will mean less time for your bookkeeper to sort through your transactions and make sense of them, and for your accountant to complete your tax return, hopefully resulting in a smaller fee. Once all the transactions are categorised using the Chart of Accounts, your bookkeeper will then put these into your General Journal and General Ledgers. I will cover these next month.
DECEMBER 2023 | FIND MAROONDAH 21
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FORWARD PLANNING – YOUR CLUB’S LIFELINE By Peter Horton
Does your club have a business plan? – a plan that outlines what your club is looking to achieve into the future. Without one you could be seen as a rudderless ship, however with a business plan you will be in the position to move your club forward. Don’t waste time looking back – what worked successfully at your club a few years ago should be respectfully classified as ‘history’ – what you need now is a plan to move your club forward.
The common denominator is the word INCREASE with the common goal being both increased revenue and membership. Ask yourself this – is our club being run as a business? If the answer is NO then it is time for a re-think and most definitely the time your club needs to develop a business plan.
It is important to let your members know that your club is working on developing a business plan, a plan that will involve all aspects of your club – revenue, membership, sponsorship, subscription fees to name a few – and importantly seek input from your members.
Take the following into consideration:
The plan should look at reviewing your club’s revenue streams and then look at what you need to do to increase revenue, Increase membership Increase sponsorship Look at additional revenue streams.
A business plan will detail what your club plans to do in the coming years as well as providing the opportunity on an annual basis to undertake a review of the plan to determine if your club is ‘on track’.
Question What category does our club fall into? What is our product? What is our brand?
Answer We are a Sporting Club Name of your Sport That's the name of your Club
Don’t think you can do it alone…get your board involved, get your members involved – work collectively as a club and you will finish up with a business plan that has been well planned, endorsed by your members and implemented.
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Is your IT Managed Service Provider properly insured?
GENERAL INSURANCE By Craig Anderson
For some years now, insurers and their underwriting teams have been providing IT Liability policies for Information Technology contractors and service providers alike. The claims, which have emerged over time, have on occasion, fallen partially or fully outside of the scope of standard IT Policy wordings. This has left the insureds and their clients in a tough spot. If those contractors and service providers had also taken Cyber Insurance, in many cases those losses would have been covered. We are starting to see announcements like the one below in italics, where there are clearly identifiable exposures that the insurers are identifying, and are working to prevent.
Please note that as of 1 January 2024 for Managed Service Providers, Hosting Risks and Cloud Service Providers, with income over AUD750,000: 1. 2.
Clients must be covered under both an IT liability and Cyber policy (insurers name) product offerings start with premiums at AUD25,000 for IT liability and AUD25,000 for Cyber, subject to appetite
My clients will often tell me that they use external Managed Service Providers and Cloud Hosting, and are always confident that any cyber risks created by the provider are covered on their behalf. The fact is, in many cases there is precious little information in the service contract confirming one way or the other if this cover is in place. As part of your own IT due diligence, you need to confirm if your provider has you properly covered, or if you are on your own if the provider exposes you to a cyber-incident which creates a loss for you or your business. Don’t assume you’re covered just because you have a contractor.
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). This is not legal advice.
Just about every small business is already at risk of being cyber-attacked, and should consider putting their own policy in place. The “it won’t happen to me” approach has been at the heart of many a small business failure triggered by a cyber-attack leading to data loss and privacy breaches. Consider how Cyber Insurance could help your business cope with a cyber catastrophe, and contact your broker for further advice.
Craig Anderson
For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au
www. heightsafetyinsurancebrokers.com.au
GENERAL INSURANCE Small Business Insurance Brokers
0418 300 096
DECEMBER 2023 | FIND MAROONDAH 23
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Opportunity: Contributing to super can help reduce your capital gains tax while boosting your retirement savings ACCOUNTANT By Warren Strybosch
Have you sold an asset this year that created a significant capital gain, such as an investment property or a share portfolio? Are you wanting to increase your chances of a financially comfortable retirement by investing funds in the concessionally taxed super system? Making a personal contribution to superannuation may not only boost your retirement savings. You could also have the opportunity to claim some or all of your contribution as a tax deduction, allowing you to reduce your taxable income in the year of contribution. Concessional contributions Concessional contributions (commonly referred to as pre-tax contributions) are typically those contributions made by your employer, such as superannuation guarantee and salary sacrifice contributions and your own personal contributions where a tax deduction is claimed. By claiming a tax deduction for your super contributions, only 15% tax is payable on the contributions going into the super fund compared to your marginal tax rate of up to 47%. This could mean a tax saving of 32 cents in every dollar contributed.
“15% tax instead of your marginal tax rate of up to 47%” For those on high incomes, where your total income and concessional contributions for the year exceed $250,000, an additional 15% tax may be payable on your tax deductible contributions (known as Division 293 tax). Even if this additional tax applies, 30% tax on contributions is still significantly less than the 47% top marginal tax rate.
Cap on concessional (deductible) contributions There is a limit on the amount of concessional contributions that may be made in a financial year. This limit is currently $27,500 per annum. Plus, new rules came into play from 1 July 2018 where, any unused concessional contribution cap that accrues from 1 July 2018 may be carried forward for a period of up to 5 years. This measure only applies to those people with a total superannuation balance of less than $500,000. Case Study Jon is 57 and recently sold an investment property which created a $100,000 capital gain. When added to his employment income, his assessable income for the year is $240,000. Jon has a total of $400,000 in superannuation, and his concessional contributions since 1 July 2018 are: Year
Concessional Contrubution
Concessional Cap
Unused Cap
2018-19
$15,000
$25,000
$10,000
2019-20
$25,000
$25,000
$0
2020-21
$15,000
$27,500
$12,500
2022-22
$27,500
$27,500
$0
Cap Available
$32,500
Over the past five years, Jon has made concessional contributions each year however, in some years, he didn’t use all of the cap and has $32,500 of unused cap available.
Step 1
Jon makes a $60,000 personal contribution to super from the sale proceeds of his property.
Step 2
As Jon has a concessional cap of $27,500 this year plus $32,500 unused cap from previous years, he can claim all of the $60,000 contribution a tax deduction.
Step 3
That's $60,000 taxed at 15% contribution tax compared to Jon's marginal tax rate of 47% - a tax of $19,200.
Next Step Could you benefit from claiming a tax deduction for a personal contribution to super this year? Talk to your financial adviser to see if this super boosting, tax reducing opportunity is available to you.
Important Information This information is of a general nature only. It does not take into account your particular financial needs, circumstances and objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product.
Any case studies, graphs or
examples are for illustrative purposes only and are
It’s also important to note that for those aged 67-75 if you wish to claim a tax deduction for your personal contributions, you will need to meet a work test (or work test exemption) in the year of contribution.
based on specific assumptions and calculations.
Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au
Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.
DECEMBER 2023 | FIND MAROONDAH
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2023 TAX UPDATES Small Business Energy Incentive to Become Law Businesses with an aggregated turnover of less than $50 million will be entitled to a 20% deduction for expenditure that supports electrification and more efficient use of energy. This bonus deduction will be available for expenditure incurred from 1 July 2023 until 30 June 2024. The additional deduction will be available for eligible expenditure of up to $100,000 and is therefore capped at $20,000 for each business.
Announcement(2-May-2023) Consultation(4-Jul-2023) Introduced(13-Sep-2023) Passed Royal Assent
The temporary measure will apply to eligible assets or upgrades first used or installed ready for use between
Date of effect
1 July 2023 and 30 June 2024. A Bill proposing this measure has been introduced in the parliament and awaits approval.
Small Business Instant Asset Write-off — deduction Threshold Set to Increase A Bill proposing to increase the instant asset write off threshold in Div 328 of ITAA 1997 from $1,000 to $20,000 has been introduced in the Parliament. Originally announced in the 2023 Federal Budget, the increased threshold applies from 1 July 2023, and once enacted, small businesses with aggregated turnover of less than $10 million can immediately deduct the full cost of eligible assets.
Announcement(9-May-2023) Consultation Introduced(13-Sep-2023)
This proposed measure applies to the cost of eligible depreciating assets, second element costs and
Passed
general small business pools.
Royal Assent Date of effect
Eligible assets must be first used or installed ready for use between 1 July 2023 and 30 June 2024, and the write-off applies on a per asset basis.
ATO finalises guidance on the deductibility of costs relating to holding vacant land From 1 July 2019 onwards, s 26-102(1) of ITAA 1997 denies certain taxpayers a deduction for expenses relating to holding vacant land. This also extends to vacant land on which there is no substantial and permanent structure in use or available for use. Announcement(27-Sep-2023)
The finalised Taxation Ruling TR 2023/3 provides the ATO’s view on when there is a substantial structure on land or the land is used in carrying on a business, and the deductibility of expenses relating to holding such
Consultation period Released
land. This tax ruling applies to individuals, SMSF trustees, private trusts and partnerships comprising any of these, but not to companies and managed investment trusts.
Payday super - commencement of consultation process As part of the 2023–24 Federal Budget, the government announced the introduction of “payday super”. Aiming to provide better retirement outcomes for employees, from 1 July 2026, employers will be required to pay their employees super at the same time as their salary and wages. This measure aims to increase transparency for employees as well as increase early deduction and compliance actions by the ATO for any unpaid superannuation entitlements.
Announcement(24-Jan-2023) Consultation(9-May-2023) Introduced(13-Sep-2023) Passed
Increased payment frequency of superannuation will also provide additional time in the superannuation fund for employees to benefit from compounding returns. The Treasury commenced consultation for this measure on 9 October 2023 to receive feedback from industry groups and stakeholders.
Royal Assent Date of effect
2023 TAX UPDATES Update on NALI Amendments for SMSF General Expenses The non-arm’s length income (NALI) measure announced by the Coalition government in 2022 will be amended to provide greater certainty to taxpayers. Announcement(2-May-2023)
The intention of the proposal is to include a factor-based approach for trustees to be able to adequately calculate the amount of SMSF income that is NALI income. This factor-based approach applies to a situation where general expenses of the fund are not at arm’s length amounts.
Consultation(9-Oct-2023) Introduced Passed Royal Assent Date of effect
The factor-based approach would apply to general fund expenses incurred after 1 July 2023.
ATO provides guidance on depreciation of composite items The ATO has released guidance on whether an asset that is made up of a number of components (a composite item) is itself a depreciating asset, or whether one or more of its components are separate depreciating assets. The Draft Taxation Ruling TR 2023/D2 provides the Commissioner’s view on identifying the relevant
Announcement(3-Oct-2023)
depreciating asset and hence its effective life and depreciation rate for the purposes of Div 40 of ITAA 1997.
Consultation period
Guiding principles have also been provided to help ascertain the level of “interest in the underlying asset”
Released
and apply the decline in value provisions for the purposes of s 40-35. This Ruling does not address Div 43, which provides deductions for certain capital works expenditure.
Off-market share buy-back legislation passed by Parliament Legislation amending off-market share buy back provisions for listed public companies has been passed by the Parliament and awaits royal assent. This measure, once enacted, will align the tax treatment of offmarket share buy-backs and on-market share buy-backs. An on-market buy-back generally happens if the share is listed on a stock exchange and the buy-back
Announcement(17-Nov-2022)
transition occurs through the stock exchange. Any other type of buy-back is considered an off-market
Consultation(17-Nov-2022)
buy-back. This measure will ensure that the buy-back price does not include any dividend payments (potentially frankable) when a listed public company conducts an off-market share buy-back of shares or non-share equity interests. It will bridge the capital benefit gap created by franking credit offsets received
Introduced(16-Feb-2023) Passed(16-Nov-2023) Royal Assent Date of effect
by shareholders. This measure excludes off-market share buy-backs undertaken by private companies and companies that are listed on a stock exchange but are not widely held.
Non-commercial losses and the Commissioner’s safe harbour extended 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 PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business
Announcement(11-May-2022)
has been directly affected by floods, bushfires or the COVID-19 pandemic.
Consultation period(21-Jun-2022) Released(14-Sep-2022)
The business will be required to show necessary evidence to support using the safe harbour. The safe harbour applies for the 2019–20, 2020–21, 2021–22, 2022–23 and 2023–2024 income years. DECEMBER 2023 | FIND MAROONDAH
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Maroondah Council News
DECEMBER 2023
Building healthier
club cultures Knox and Maroondah City Councils have wrapped up a two-year pilot project to trial strategies for building healthier club cultures in community sports. With funding from VicHealth and working in partnership with Norwood Football Club and Knox Football Netball Club, the Raise the Bar project explored factors that shape club culture and what steps can be taken to foster friendly, safe and welcoming club environments. Project partner clubs were selected in consultation with the Eastern Football Netball League for their demonstrated commitment to good governance and a desire for continuous improvement. Mayor of Maroondah, Councillor Kylie
Spears, said the project could help influence positive culture change in local sporting clubs and the wider community. “Council is proud to have been part of the Raise the Bar project, which has helped to create positive outcomes for the Norwood Football Club and its community,” Cr Spears said. “With sport being such a wonderful part of Maroondah’s community, it is hoped that the benefits of the project will have a ripple effect throughout the rest of the community and help encourage best practice in sporting clubs and community organisations, while also encouraging more people to get involved in sport at the local level - whether as players, volunteers or supporting members.”
Initiatives trialled through the project focused on the role of alcohol in club settings, strengthening club governance and the creation of sound strategies to move clubs towards their identified goals. The project has also provided tools to help communicate each club’s goals with its members, supporters and visitors. Norwood Football Club President, Mark Etherington, said the program has been a great success. “The Raise the Bar program has been an overwhelming success for our club. It has allowed the Norwood Football Club to not only enhance its operational governance and compliance, but also take the next step in our journey as one of the most respected community organisations in our league,” Mark said.
Turning Point Dance Academy Turning Pointe Dance Studio's End of Year Performance showcases the hard work and dedication of our students during 2023. This year, we will transport you into the enchanting realm of ballet with "The Magic Toy Shop" and immerse you in Jazz and Tap with the soundtrack of "The Greatest Showman.”
Find out more
Maroondah Council News
MAY 2022
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DECEMBER 2023 Find out more
The Australian Eagles Show The Australian Eagles Tribute Show (AES) delivers possibly the country’s most authentic reproduction of the recorded works of the legendary multi-platinum selling US group The Eagles. Performing The Eagles greatest hits from the country- tinged ‘Take It Easy’ to the soul-drenched ‘One Of These Nights’ to the hard-rocking ‘Life In The Fast Lane’ to the show-stopping ‘Hotel California’ the six piece AES deliver a two hour tribute show that showcases their crystalline vocal harmonies backed with a powerful double guitar attack, luxurious keyboards & solid rhythm section.
Promac Christmas To wind up a fantastic year of Morning Shows at Karralyka, Promac Productions bring to the stage a joyous Christmas production starring the wonderful Ian Stenlake and Michelle Fitzmaurice Ian and Michelle will be joined on stage by the incredible musical talents of Kym Dillon on Piano
Find out more
Council Funded Library Program Every fortnight, you will have the opportunity to visit Croydon Library and enjoy the large collection of books, prints, biographies, newspapers, magazines, DVD’s & CD’s which are brought to the group in the Glen Frost Room where you can have a chat and some morning tea while choosing what you wish to take home. You can also use any of the general library facilities during your visit.
Find out more
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28 FIND MAROONDAH |DECEMBER 2023
Maroondah Council News
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DECEMBER 2023
Dive into healthier delights
at Croydon Memorial Pool With the Croydon Memorial Pool season now in full swing, dive in and discover a new range of deliciously healthy food snacks and drinks now available at our pool kiosk. A day at the pool can work up an appetite. After a swim or day by the pool, satisfy your appetite with healthy juices, nutritious snacks and pool favourites, with crisp fruit salads, wholesome wraps and sandwiches to be available from Monday 4 December. These new choices are designed to keep you refreshed and energised during your time at the pool. So, whether you’re there for a leisurely day relaxing poolside or a more active visit, Council is committed to making it easier for you to make healthier choices. Our new menu items follow the Healthy Choices guidelines, with options suited to both children and adults. We have also added a new range of drinks to our menu, with hot drinks including tea and coffee.
Mayor of Maroondah, Councillor Kylie Spears, said the new healthy options provide our community with a wider range of food, snacks, and drinks. “The new range of options at Croydon Memorial Pool empowers the Maroondah community to make informed decisions about their food purchases at our facilities and aligns with the active lifestyle that many in our community value,” said Cr Spears. You can find the new range of healthy options available in the kiosk at Croydon Memorial Pool, with a fresh new range to be introduced to other Maroondah Leisure facilities throughout 2024. To find out more, visit the Maroondah Leisure website at www. maroondahleisure.com.au.
16 Days of Activism: Changing The Story Council is proud to be supporting the 16 Days of Activism against GenderBased Violence campaign once again in 2023. This year’s campaign is calling on everyone to change the story and create a future where everyone is safe, equal and respected. The 16 Days of Activism campaign begins on 25 November and will conclude on 10 December. The global movement promotes gender equality and encourages communities to take action to prevent gender-based violence.
Find out more
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Maroondah Council News
DECEMBER 2023 | FIND MAROONDAH 29
DECEMBER 2023
Enhancing community
spaces
Local community groups and sporting clubs are enjoying enhanced facilities following Council projects that were formally opened on Friday 3 November. Federal Senator for Victoria Raff Ciccone, Federal Member for Deakin Michael Sukkar MP, and Mayor of the Day Councillor Rob Steane OAM formally opened lighting upgrades at the Croydon Park Oval and improvements to the 7th Ringwood Scout Hall at BJ Hubbard Reserve. They also attended a site visit to view the improvements nearly complete at the 1st Croydon Scout Hall at Hughes Park in Croydon.
Croydon Park Oval lighting upgrades The lighting infrastructure upgrades at Croydon Park Oval will make it safer for local sporting teams to train at night. President of Croydon Football Club, Anthony Thompson, said the upgrades will support growth at the club. “The new lighting upgrade will allow the Croydon Football Club to provide a high-quality facility for generations to come. “With first-class lighting facilities, we can grow our club by adding more junior programs for boys and girls as well as field a senior women’s team,” Anthony said.
The new and upgraded facilities will not only benefit current Scouts groups, but also a range of other community groups that use the space throughout the year, including local karate and calisthenics groups. The upgraded facilities have been planned to consider the needs of future generations and will allow young people of all ages, abilities and genders to enjoy the space for years to come. This project has been funded by the Australian Government in collaboration with Council and Scouts Victoria. 1st Croydon Hills Scout Hall at Hughes Park The 1st Croydon Hills Scout Hall at Hughes Park in Croydon North is currently undergoing an exciting building extension due to be completed shortly. This new extension will provide a fit-for-purpose space for young leaders of the future to connect, build life-long relationships and develop important social skills. The upgrades will not only benefit the current Scout groups but will also provide enjoyment for future generations of Scouts and encourage more young people to get involved in their community. This project has been funded by the Australian Government and Council in collaboration with Scouts Victoria.
“We also now have the ability to train at night throughout the darker seasons, providing more opportunities for young people to get active.” The upgrades will also future-proof the facility for the years to come, as the new LED lights illuminate the oval to 200 lux, which is above the current Australian requirements. This project has been funded by the Australian Government in collaboration with Council.
7th Ringwood Scout Hall at BJ Hubbard Reserve Improvements to the 7th Ringwood Scout Hall at BJ Hubbard Reserve in Ringwood North include new accessible bathrooms, new changerooms, a new kitchen, office space and storage area, a new roof, power supply and upgrades to the existing bathrooms.
More information For more information on projects underway in Maroondah, visit the Maroondah projects page.
DECEMBER 2023 | FIND MAROONDAH
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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
Ltd
SUPPORT YOUR LOCAL NOT-FOR-PROFIT
NOT-FOR-PROFIT OF THE
month - YEAR 2023
10 Years of Volunteering Dawne's Insipiring Story
of Giving Back
Dance Scottish
FEBRUARY 2023
MARCH 2023
Guardian
Angel
Kilsyth Scottish Country
Dance Group Inc
APRIL 2023
MAY 2023
SEND US YOUR NEWS! Would you like your organisation to be known in our community? Place an article for FREE about the services you provide and let the community know more about you. Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper. Simply upload your ad at editor@findmaroondah.com.au to exress your interest to be
featured for the year 2024 and we will do the rest for you.
Maroondah JUNE 2023
NORTH RINGWOOD COMMUNITY CHURCH
JULY 2023
Moorolbark Baptist Church
AUGUST 2023
Croydon RSL
OCTOBER 2023
SEPTEMBER 2023
The Ringwood RSL Sub Branch and its Club
NOVEMBER 2023
NOT-FOR-PROFIT CHRISTMAS CAROLS
34 FIND MAROONDAH |DECEMBER 2023
DECEMBER 2023 findmaroondah.com.au
Discover the True Gift of Christmas: Our Christmas Eve Service is designed to bring the community together in a celebration of hope, joy, love, and peace— the core themes of this festive season. Join us in a warm and welcoming atmosphere as we explore the timeless story of Christmas and its relevance to our lives today. What to Expect: • • •
Engaging Messages: Thought-provoking and heartwarming messages that unravel the deeper meaning of Christmas. Beautiful Music: Experience the joy of the season through uplifting and festive music. Welcoming Atmosphere: We welcome all people in their journey to start or continue to know Jesus Christ who was first to welcome us.
Why You Should Attend: • • •
Community Connection: Christmas is a time for togetherness. Joining our Christmas Eve Service is an opportunity to connect with friends, family, and neighbors in a spirit of unity and celebration. Meaningful Reflection: Take a moment to reflect on the true significance of Christmas amidst the hustle and bustle of the holiday season. Memorable Experience: Create lasting memories as we come together to celebrate the birth of Jesus Christ.
How to Join: Simply mark your calendar, gather your loved ones, and join us at Ringwood Community Church on Christmas Eve at 10 am. Whether you're a regular attendee or it's your first time visiting, we welcome you with open arms. Spread the Joy: Feel free to share this invitation with friends, coworkers, and neighbors. The more, the merrier! As we count down to Christmas Eve, let's anticipate the joy and wonder of the season together. We can't wait to celebrate with you and your loved ones! Wishing you a Merry Christmas and looking forward to seeing you there! Warm regards,
Tom Kenneally Pastor
Tom@ringwoodcommunitychurch.com
NOT-FOR-PROFIT CHRISTMAS CAROLS
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DECEMBER 2023
DECEMBER 2023 | FIND MAROONDAH 35
Join us again for a wonderful evening of Christmas Carols, family activities, food trucks, local market stalls and more! Christmas Market/Food stalls from 4pm - Entertainment for the kids start at 6:30pm - Christmas Carols start at 7:15pm. Outdoor venue, bring a chair or picnic blanket and settle in for an evening of fun.
DECEMBER 2023 | FIND MAROONDAH
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NOT-FOR-PROFIT CHRISTMAS CAROLS
36 FIND MAROONDAH |DECEMBER 2023
DECEMBER 2023 findmaroondah.com.au
During October Ringwood U3A hosted a Resuscitate-a-mate education afternoon at Kevin Pratt Pavilion in Mullum Mullum Road (Norwood Football Oval) for our members. As it was so popular the first time we held the event it was decided to offer it again to our members. Everyone who attended was very impressed by the representative from Life Saving Victoria who delivered an entertaining but very educational presentation. All came away from the afternoon feeling that they were much better educated to cope if faced with an emergency or the need to make use of a Defibrillator. Ringwood U3A also held a Sausage Sizzle at Bunnings in November. It was a great way to meet the local community and to spread the word about U3A in general. It raised community awareness and also was a successful fund raising event. All our volunteers enjoyed sharing their shifts with their fellow members and chatting with all the Ringwood Bunnings customers. If you are interested in joining Ringwood U3A please check out our website u3aringwood.org.au or email info@ u3aringwood.org.au or ring 0481221576
NOT-FOR-PROFIT CHRISTMAS CAROLS
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DECEMBER 2023
DECEMBER 2023 | FIND MAROONDAH 37
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.
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NOT-FOR-PROFIT CHRISTMAS CAROLS
The Al-Anon 12 Step Recovery program for friends and families of those suffering under the burden of having an addict or alcoholic in their lives . This is not AA .This is for Those whose lives have become affected and even impossible to live as a consequence of the myriad of substance abusers at epidemic levels in all suburbs across Victoria
DECEMBER 2023
NOT-FOR-PROFIT EVENT ADVERTISEMENT
DECEMBER 2023
Do you have an upcoming events?
Do you have an upcoming events?
Place your EVENT AD here for
Place your EVENT AD here for
FREE in our community online paper.
FREE in our community online paper.
SEND US YOUR NEWS!
SEND US YOUR NEWS!
Simply upload your ad at
Simply upload your ad at
www.findmaroondah.com.au/nfp-free-advertising
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or you can email the ad to the
or you can email the ad to the
editor@findmaroondah.com.au
editor@findmaroondah.com.au
and we will do the rest for you.
and we will do the rest for you.
Abbeyfield Community House in Croydon Abbeyfield Houses is a large group house but it is not an institution or a facility. It is an ordinary house in an ordinary street. Our house provide supported accommodation for up to 10 people aged 65 years or more who are looking for affordable independent living. Abbeyfield residents live independently within a shared, supportive environment. The residents ‘come and go’ as they please, socialise with other residents as much as desired, enjoy the support of a housekeeper and remain engaged with the community.
Abbeyfield Croydon is the first purpose-built Abbeyfield house in an outer suburb of Melbourne Abbeyfield Croydon is a well maintained and affordable accommodation option for older people who are looking for a private bedroom, support,quality meals and companionship. The home is situated in a suburban street in Croydon, in a lovely garden setting, close to shops and transport within easy walking distance. It provides safe, homely and affordable housing for older people in our community.
All residents enjoy individual private suite comprising bedroom and ensuite and share a comfortable lounge room, dining room, garden, and laundry. Nutritious meals are cooked onsite by the housekeeper and all maintenance and house costs are covered by Abbeyfield Australia. All Enquires to admin@abbeyfield.org.au or 03 9419 8222. Contact us to talk about living in an Abbeyfield house to help you stay independent, happy and active!
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DECEMBER 2023
Merry Christmas at Eastland! Whether they've been naughty or nice, we've got the perfect gifts and festive offerings to make this Christmas unforgettable. Share the love, spread the cheer and make it a season to remember.
MAKE A MERRY MEMORY WITH SANTA Santa Claus is landing at Eastland on 4 November and he'll be photo-ready to take pictures with you and the whole family. Visit Santa during November and you'll go in the draw to win a $1,000 Christmas Shopping Spree*. Plus receive a complimentary 6"x8" photo print with any package purchase over $49.95. Select from one of the sessions below and make a merry memory with Santa!
Santa Pet Photography Discover more
Spend To Win Discover more
Christmas Markets Discover more
DECEMBER 2023 | FIND MAROONDAH 41
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RETIREMENT &
AGED CARE
DECEMBER 2023
condition of release
AGED CARE By Warren Strybosch
CONDITION OF RELEASE - RETIREMENT Superannuation benefits are generally preserved, meaning they cannot be accessed either as a lump sum, or be used to commence an income stream, until a condition of release has been met. The superannuation legislation provides for a number of conditions of release, depending on a superannuation fund member’s personal circumstances. The Fact Sheet considers the retirement condition of release. PRESERVATION AGE The retirement condition of release is met when a member retires from the work force after reaching their preservation age. Preservation age is based on the member’s date of birth. Date of Birth
Preservation Age
Before 1 July 1960 1 July 1960 to 39 June 1961 1 July 1960 to 39 June 1962 1 July 1960 to 39 June 1963 1 July 1960 to 39 June 1964 From 1 July 1964
55 56 57 58 59 60
WHAT CONSTITUTES RETIREMENT? The retirement condition of release differs depending on when retirement actually occurs. RETIREMENT BEFORE TURNING 60 Where a member of a superannuation fund ceases to be gainfully employed before they reach their 60th birthday, retirement is taken to have occurred where: a. b.
They have ceased to be gainfully employed, before they turned 60, and They have no intention of becoming gainfully employment again on either a part-time or fulltime basis.
Both conditions need to be met for the condition of release to be satisfied. Part-time employment is gainful employment or selfemployment of between 10 and 30 hours per week, whereas fulltime employment is more than 30 hour per week. Retirement before reaching age 60 has an element of permanency around future employment. That is, to have met the condition of release, a member must intend never to become gainfully employed on a part-time or fulltime basis in the future. However, seeking to become gainfully employed in the future for less than 10 hours per week is acceptable. There may be other circumstances where a member genuinly has no intention of becoming gainfully employed again in the future however circumstances may change.
While the retirement condition of release prescribes there be no intention of resuming gainful employment, this intention is tested at the time the declaration of retirement is made. RETIREMENT BEFORE TURNING 60 Where employment ceases on or after reaching age 60, the requirements are simplified. A member aged 60 or older is taken to have met the retirement condition of release when an arrangement under which they were gainfully employed (or self-employed) has ceased, since they turned 60. Where a member ceases gainful employment after turning 60, it is not conditional upon them not re-entering the work force. If fact, a member aged 60 or older may cease working with an employer one day, and commence employment with a new employer the following day. Furthermore, where a person aged 60 or older has more than one employment position, merely ceasing one of those positions is sufficient for the retirement condition of release to apply to all superannuation benefits that have accrued to that point in time. RETIREMENT PRIOR TO AGE 60 BUT REQUESTING RELEASE OF FUNDS AFTER TURNING 60 Where employment ceases on or after reaching age 60, the requirements are simplified. There will be occassions when a member ceases to be gainfully employed before turning 60 years of age but they may not seek to access their superannuation benefits until after their 60th birthday. In such a situation, the date the most recent employment arrangement ceased is the one that is applied. DECEMBER 2023 | FIND MAROONDAH
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42 FIND MAROONDAH |DECEMBER 2023
RETIREMENT &
AGED CARE
findmaroondah.com.au
DECEMBER 2023
If the member had last ceased to be gainfuilly employed before they turned 60, they will need to not only have ceased to be gainfully employed, but also have had no intention of becoming gainfully employed again.
Individual superannuation funds may require proof that employment has ceased (e.g. a separation certificate from the employer), or they may rely on a signed declaration from the member.
However, if they had retired before turning 60 but had resumed gainful employment of a part-time or a fulltime basis, and subsequently ceased that employment arrangement after turning 60, the cessation of the second employment arrangement will be take as the trigger to satisy the retirement condition of release.
When benefits become unrestricted non-preserved, future investment earnings and future contributions will be preserved. For future benefits to be released, a subsequent condition of release will need to be satisfied.
Has member met their preservation age? NO
Has member ceased to be gainfully employed?
YES
NO
YES
Dis gainful employment cease after turning 60?
Does member intend to become gainfully employed p/t or f/t again?
NO
NO
YES
Retirement CoR has
Retirement CoR HAS
NOT been met
been meet
YES
Retirement CoR has NOT been met
ONCE UNPRESERVED, ALWAYS UNPRESERVED When the retirement condition of release has been met, a member of a superannuation fund should inform their fund they have met the condition of release. This should enable their preserved benefits to be classified as unrestricted nonpreserved benefits. Once a benefit becomes unrestricted nonpreserved, it will retain that status into the future even though the member’s circumstances may subsequently change and they may re-enter the workforce.
It is therefore possible that even though a condition of release has been met, and the member’s benefit has become unrestricted non-preserved, their superannuation account may include a subsequent preserved benefit. CAUTIONARY NOTE There will be times when members may wish to access their preserved superannuation benefits and may be tempted to contrive an arrangement in order to satisfy the retirement condition of release. Any arrangement to circumvent the preservation rules should be avoided. In the event that preserved superannuation benefits are accessed illegally, the member’s tax assessable income will be increased by the amount withdrawn, and will be taxed at their marginal tax rate. Significant penalties also apply to promotors of schemes designed to facilitate the early release of superannuation benefits.
Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (no. 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the Centrepoint Alliance group www. centrepointalliance.com.au | Warren Strybosch is Authorised representative (No. 236815) of Alliance Wealth Py Ltd. This information has been provided as a general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriates of the advice. You should obtain and consider the relevant Product Disclosure Statment (PDS) anf seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mention in this communication. Whilst all care has been taken in the preparatin of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representative accepts responsibility for any loss suffered by any person arising from reliance on this information.
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DECEMBER 2023 | FIND MAROONDAH 43 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 info@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 ------------------------------ 00 • Find Accountant ----------------- 34 • Financial Planning ------------- 36 • Find Insurance -------------------- 35 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 35 • Life Coach --------------------------- 36 • Mortgage Brokering ----------- 36 • Signages ------------------------------ 00 • Solicitor/Lawyer ------------------ 35
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.
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44 FIND MAROONDAH |DECEMBER 2023
findmaroondah.com.au 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.
warren@findinsurance.com.au
248 Wonga Road, Warranwood VIC 3134
www.findinsurance.com.au
1300 88 38 30
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: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only
We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents
• Landlord Insurance • Height Safety Insurance
• Caravan • 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 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au
CRAIG ANDERSON GENERAL INSURANCE
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.
Mercantile Legal are a unique Commercial Law firm practising in all states of Australia, with offices in Melbourne, Sydney and Brisbane. SERVICES
CONTACT US
• Debt Recovery
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MELBOURNE OFFICE
• Litigation
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Australia | 03 9098 8750
• Insolvency
• Will and Estates
Sydney Office
• Property Law
• Intellectual Property
Sydney, Australia | 02 9211 9980
• Restructuring
• Compliance and Governance
Level 40, 140 William Street, Melbourne,
MLC Centre, Level 57, 19-29 Martin Place, Brisbane Office Astor Centre, Level 11, 445 Upper Edward Street, Spring Hill, Australia | 0422 114 300
ABN: 26689211803
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DECEMBER 2023 | FIND MAROONDAH 45 PROFESSIONAL SERVICES
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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
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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
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mfelton@beaumontlawyers.com.au
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www.thebeaumontgroup.com.au/lawyers/
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PO Box 61, Mooroolbark VIC 3138
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MARK FELTON OCCUPATIONAL HEALTH & SAFETY
As your financial adviser, I am passionate about providing quality advice and solutions personalised to your needs. I commenced my career as a financial adviser in 2018 and became an authorised representative of Alliance Wealth Pty Ltd on 13 December 2021.
I am Authorised To Provide The Following Financial Services: •
Superannuation and Retirement Planning
Other Financial Planning Services
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703 Whitehorse Road, Mitcham VIC 3132
03 9872 5455
admin@findwealth.com.au
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LOCAL TRADIES
PAGES
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 3830 editor@findmaroondah.com.au *Available until your category is taken when a Tradie joins the Find Network Team.
INDEX LOCAL TRADIES 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
BUSINESSES Do you provide Home and Garden services in the Maroondah region? Contact Warren for all of your Advertising needs.
Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au
INDEX PROFESSIONAL SERVICES • Gutter Protection ------------------ 38 • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00
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HEALTH & BEAUTY
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BUSINESSES
Do you provide Health and Beauty services in the Maroondah region? Contact Warren for all of your Advertising needs.
Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au
INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 39 • Swen Pouches ---------------------- 40 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00
DR JOANNA STRYBOSCH ADVANCED PAEDIATRIC OSTEOPATH & LACTATION CONSULTANT
The Melbourne Therapy Centre
PROVIDING PERSONAL & CARING SUPPORT
221 Wonga Road Warranwood VIC 3134 Phone: +61 3 98 76 3011 Mobile: +61 400 049 410 joanna@osteolc.com.au | www.osteolc.com.au
FOR YOU & YOUR BABY
OSTEOPATHY
LACTATION CONSULTING
Osteopathy in Australia is a government registered, allied health profession. Osteopaths focus on improving the function of the neuro-musculoskeletal system (bones, muscles, nerves and connective tissues) to optimise health and well-being.
IBCLC lactation consultants are recognised around the world as the experts in lactation care. They provide evidencebased knowledge to assist mothers to establish and maintain breastfeeding. As professionals, they are charged with promoting, protecting and supporting breastfeeding.
Joanna is highly qualified and experienced in the osteopathic assessment and treatment of babies and infants.
Joanna can help with a broad range of lactation consulting services, including: •
She can assist with the following assessments: • • • •
Gross motor development (milestones) Primitive reflexes Tongue function and it’s relation to sucking skills Biomechanics of the jaw and mouth
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0473 039 661 somethingsimplymade@gmail.com www.instagram.com/somethingsimplymade
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SPORTS NOVEMBER 2023 EDITION
FREE ADVERTISING
FOR YOUR SPORTING CLUBS In-Kind Sponsorship with Find Maroondah Community Paper We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports.
For more information
contact Warren on
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SPORTS
DECEMBER 2023 EDITION
CHRISTMAS BBQ You are invited to attend the Norwood Chrissy BBQ Monday night, 7pm at Mullum Mullum. Come along and welcome the new and returning players and the u19s to the senior club.
Welcome Spencer Dunstone Spencer comes to Norwood from Donvale FC where he played all his junior and u19s football. A goal kicking machine he has a beautiful kick and is a mobile target up forward. Spence joins younger brother Fraser (u19s/seniors) and Elliott (u14) also a new recruit to Norwood. Looks like the Dunstone's are taking on their Landy cousins for dynasty rights at Norwood. Welcome Spencer.
Calling all under 18 females - join the Norwood family. We are looking for players to join our u18 football and netball teams for the upcoming season. Please see the info below for more information. Norwood Junior Football Club & Norwood Netball Club
DECEMBER 2023 | FIND MAROONDAH
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SPORTS
DECEMBER 2023 EDITION
UPDATES Here is the teams for this weeks games 2’s and 3’s need to bring arvo tea
results Some excellent individual performances this round led by a brilliant ton by our 1’s captain Scotty Reece. Although 3 close games ultimately not the results we were looking for this round. We go again this week with another chance to get back on the winners list pushing for 3 wins. See you all at training Tuesday and Thursday this week.
DECEMBER 2023
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
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.
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
Religious Groups and Churches
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
RINGWOOD COMMUNITY CHURCH 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
•
Connecting People With God And One Another Services: Sunday 10 AM
Livestreamed: myrcc.co/live Activities for all - children, youth, families, adults, senior
10:39 am at St James Croydon Hills , 21-23 Bemboka
1 Tamar St, Ringwood VIC, 3136
Rd Croydon hills
(03) 9870 0102
0417679682 (03) 9876 2600 NOVEMBER 2023 | FIND MAROONDAH
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Birth, Deaths & Marriages DECEMBER 2023
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Maroondah Send us your:
Services Times
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DECEMBER 2023
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