Find Maroondah - February Edition 2022 by Find

Maroondah The

FEBRUARY 2022

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

MAROONDAH COUNCIL NEWS

FIND FAITH

FIND BIRTH, DEATHS, & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

NEHA NAYYAR

SIGNAGES

GLENN MARTIN

HERITAGE & HISTORY

RUSS HAINES

KATHY ISMAIL

COMMERCIAL COFFEE MACHINE HIRE

IVANA SMITH

HEATHERDALE COMMUNITY ACTION GROUP

ELWYNNE KIFT

GENERAL INSURANCE

CRAIG ANDERSON

MORTGAGE BROKER

REECE DROSCHER

OCCUPATIONAL HEALTH & SAFETY

EDITOR | WRITER

SUSAN PIEROTTI

LACTATION CONSULTANT

JOANNA STRYBOSCH

NATURE & CONSERVATION

MARK FELTON

LIZ SANZARO

SOLICITOR

MARKETING CONSULTANT

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FEBRUARY 2022 | FIND MAROONDAH

About the Find Maroondah By Warren Strybosch

The Find Maroondah is a community paper that aims to support all things Maroondah. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Maroondah for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findmaroondah) so you keep up to date with what we are doing. We value your support, The Find Maroondah Team.

Maroondah The

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

OUR NEWSPAPER The Find Maroondah was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Maroondah has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MAROONDAH

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

ACKNOWLEDGEMENT The Find Maroondah acknowledge the Traditional Owners of the lands where Maroondah now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

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Readers are advised that the Find Maroondah accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

Next Issue of the Find Maroondah will be published on Friday March 4, 2022. Advertising and Editorial copy closes Tueday March 8, 2022.

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Back to School By Warren Strybosch

We, at the Find Maroondah, would like to wish all the 2022 children, who are attending school this year, all the best in their endeavours and we hope you have a wonderful year learning and building relationships with your peers. Our thoughts especially to those school children who must wear masks and take regular RAT's. To those parents who must administer the RAT's and help their children remember their masks, on top of everything else you will have to do this year… we feel for you. If anyone has any encouraging stories about their children’s school experience this year, please send them through to editor@findmaroondah.com.au.

First Friends of Dandenong Creek short film wins Premiers award By Anthony Bigelow President, First Friends of Dandenong Creek

Congratulations to First Friends who were the winners of the 2021 Premiers Sustainability Award for their short film ‘The Eels of Dandenong Creek’. The group won the category ('Healthy Environment - Community Champion’) for their film, which highlights the shortfinned eel's amazing lifecycle, their importance to Australia's indigenous nations, and to educate the wider community around the consequences of pollution. All of which is not just unique to Dandenong Creek, but covers the creeks and waterways across Victoria and the eastern seaboard.

The film has been viewed over 35,000 times on their social media platforms so far. Anthony Bigelow, president for the group said “With education at the forefront of our thinking, we were able to bring together a story that discusses how the actions of urban society have impacted the eels – a species many were unaware of. We were able to work with a group of amazing people to achieve this result, and who added their own unique perspective. We are truly thankful for all of your support, insight and guidance.” Since a major pollution event in 2017,

we've been yearning to tell the story of our eels, not just for our creek, but for all of the waterways across Melbourne and further afield, and to explain how pollution was affecting their lifecycle. “It’s been a fascinating journey for us to understand how all of our creeks across the east coast are essential to the eels. It was critical to explain their journey out to the Coral Sea to mate, and then return to live in our waterways for many years, and to then repeat that journey back to their spawning location.” said Bigelow. If you’d like to see our short film, simply google The Eels of Dandenong Creek.

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FEBRUARY 2022 | FIND MAROONDAH

Image courtesy of Australian Museum

Lake Knox Short Story Competition NATURE & CONSERVATION By Liz Sanzaro

An opportunity to hone your writing skills while helping this cute duck. Prizes on offer, opportunity to contribute closes 28th February. The Knox wetland is currently home for this Blue Billed Duck a vulnerable species. 2022 will be a critical year for Lake Knox given the Victorian Government’s intention to bulldoze it. So, to ensure that it is preserved into the future, we would like to spread the word, through words directly from the community about why it needs to be protected. The Short Story competition will be based on the theme of ‘Why Lake Knox is important to me?

erosion, pollutants allowed to escape into storm water, low groundwater and drought conditions. Prizes 1st Prize $100 2nd Prize $50 3rd Prize $25 In addition, there will be two encouragement awards for authors whose stories encapsulate the magic that is of Lake Knox. Croydon Conservation Society supports this along with many other environmentally aware groups, that destroying habitat for a vulnerable species, is definitely the wrong thing to do. EDITOR Terms and Conditions (https:// www.kes.org.au/#h.mh7tl8lipkmp)

If you are not sure where it is just Google Lake Knox, then look at Google maps, the land is to be sold to a developer for many houses on small sized blocks, and they say they need to restructure the wetland and use it for storm water runoff. This will destroy the current habitat, for plants and aquatic species.

Entry to the 2022 Lake Knox Short Story Competition (the “Competition”) is open to anyone passionate about protecting Lake Knox. An entrant must be an individual and cannot be a company or organisation. The competition is an initiative of the Friends of Lake Knox Sanctuary.

The main threat to the survival of the Blue Billed Duck is loss of suitable wetland habitat; often caused by the following human activities

• • •

drainage, salinisation, lowering of groundwater and lake levels. degradation of the natural wetland vegetation and loss of suitable breeding habitat, i.e. European Carp. increased salinity from runoff,

Eligible entries must be submitted via email savelakeknox@gmail.com no later than 5pm on Mon 28 Feb 2022. Along with your attached story, please include your full name, age, address, email, phone contact and how you first became aware of Lake Knox. There is no cost to entering the competition. Only one entry per

To enter the Competition, each entrant must: 3.

Write a short story no longer than 500 words or a poem no longer than 2 typed pages, that reflects the theme of ‘Why Lake Knox is important to me?’

If the entrant is under the age of 16 then each entry form must contain the contact details of the entrant’s parent or guardian acknowledging their consent for the entrant to participate.

By submitting a story or poem, each entrant (or their parent/legal guardian) agrees that: 1.

All details provided with the entry are true and correct;

All work is the original work of the entrant;

The organisers and its partners may use the entry and any personal details provided for promotional, marketing and publicity purposes in any media without notice and without any fee being paid to the entrant. Entrants may be published as an anthology.

The judge’s decision is final and no correspondence will be entered into. Winners will be notified by email and/or phone and will be asked to attend the prize giving ceremony (date to be confirmed).

FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

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How the Cloud is Saving Businesses BOOKKEEPER By Neha Nayyar

You will hear people always talking about “the cloud”, you have probably even had enough of it. The cloud is saving businesses though, big and small and it is saving them a significant amount of time and more importantly, money. Put simply, the cloud refers to the delivery of computer services via the internet. For a small business, this usually means accounting software and customer management systems. For those businesses who haven’t yet taken the plunge, here are a few ways the cloud is saving businesses: Work on the run No more being chained to the office. If the last two years have taught us anything, it is that we don’t need to be at our desks in “the office” to achieve great things. Having your businesses finances, emails and customer details on your devices means you can work anywhere, giving you flexibility in your day and your life!

Easily accessible Share your financials directly with your accountant or bookkeeper with the touch of a button. No more pulling together reports or files for tax time, everything is already there. You can keep your receipts all digitally and most systems will automatically read them so you don’t even need to type in the particulars.

At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners to make informed business decisions. Please contact us if you would like more information on Cloud software, we can set you up and provide training. We can be reached at (03) 9424 9447 or info@sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Less paperwork= less admin Long gone are offices full of filing cabinets, with outdated records, illegible handwriting and lost documents. Don’t get me wrong, some documents are still very important, however with the cloud, these can be photographed or scanned and kept forever. They are then accessible with a quick search from your computer or even phone and emailed wherever you need them to go. The removal of paperwork alone saves so much time, many businesses are saving substantially on costly admin processing, this doesn’t mean you need to let go of employees, you can instead have them to do much more value add activities such as customer follow ups/ marketing etc.

Understand where your business is at, in real time With cloud accounting, at anytime, you can instantly view your businesses current financial position. You can see what invoices are outstanding and all your live bank balances helping you plan future spending. You can make strategic decisions knowing you have accurate figures in front of you.

Keep up with technology When you are ‘on the cloud’, any updates are automated so you always have the latest and best technology at your fingertips instead of the old ways of outdated software packages that needs to be replaced or updated manually. The cloud software is continuously being improved and most software integrates with other cloud programs making life so much simpler.

Neha Nayyar Bookkeeper SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

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ACCREDITED EDITOR By Susan Pierotti

There are many occasions when what you write needs a response. Therefore, your reader needs to understand immediately what you wish to them to do. You may write well and even have a degree in English. Your reader, however, may have had a bad day, may be unwell or frazzled and may not comprehend what you’ve written or even wish to read it in the first place.

FEBRUARY 2022 | FIND MAROONDAH

7 Better Writing Tips To Get Better Responses where someone or something initiates action (‘Bob kicked’) – is stronger, more direct, with more impact. Your message will have more punch. 6.

Don’t be afraid of emotion We’re all humans so we are designed to respond to others’ feelings. If you are angry, tell your reader that you are angry but without being abusive. If you are frustrated, let your reader know that the situation or person has inconvenienced you but without going into long details. Short sentences convey strong emotions better than long ones.

Get someone else to read it Unless you are dealing with sensitive information, give what you have written to someone else to read. Tell them what response you are looking

Here are some tips to make your message clear, engaging and get the response you want. 1.

Catchy heading Emails, documents, reports and marketing, all begin with a title or heading. Your message will be responded to more efficiently if the reader knows immediately what it is about. Think of advertising slogans – short, snappy and to the point. For instance, if you are planning a meeting, state the name of the group that is meeting, the time and date as the subject line in the email – for example, ‘Building Committee meeting, 4 pm, 22 January’. That way, it’s easier to find in an email trail. Include the location, agenda and other information in the text; anything else in the heading is fluff.

What comes next Put the most important part of your message in the first paragraph. It should immediately draw the reader in with what you want to get across, with some points on what you want resolved (if that’s appropriate). Short sentences Your reader is probably time poor. Don’t waste time creating a literary masterpiece but get to the point. Your reader will appreciate you for that and be in a better frame of mind for what you have to say. Most sentences should be no longer than twenty words. (A good rule of thumb is to break long sentences into two by deleting the word ‘and’.) Nevertheless, on occasion, you may need to use longer sentences. Varied sentence lengths are better than monotonous sentences. Easy to read words and phrases A common error is to pepper one’s writing with long, impressively sounding words. People often do this to show superiority, to mask inferiority

or to disguise nervousness while trying to prove a point. Read what you’ve written out loud to hear if it sounds natural. Another error is to use phrases instead of simple words. Here are a few suggestions. Instead of writing

Write

afford an opportunity

allow, let

as a means of

at this point of time

now

due to the fact that

because

has a requirement for

needs

in a timely manner

quickly, promtly

in accordance with

by, following, per, under

in regard to

about, concerning, on

in the amount of

for

in the event that

in the near future

shortly, soon

made up his mind that

decided

no later than June 1

by June 1

pertaining to

about

until such time as

until

with reference to

about

with the exception of

except

Active voice Try to use what is called ‘active voice’. Here is an example of passive voice followed by active voice: • •

The ball was kicked by Bob to me. Bob kicked the ball to me.

Passive voice is when something happens to something or someone – ‘was kicked by Bob’. Active voice –

for before they begin to read. They will be able to let you know if what you have written is clear, written in a suitable tone (for instance, assertive but not aggressive) and will generate the action you are looking for. If, after all this, the thought of writing plainly seems daunting and you would like assistance with business content, feel free to contact us at info@creativetext. com.au. FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

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Looking for Financial Planner to list in our Find Aged Care Accommodation Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

Are you an established and experienced financial planner providing Aged Care Advice? Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? To learn more about these new opportunities, visit our website at www.findagedcareaccommodation.com.au

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.

1300 88 38 30

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

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5 Coffee Tips For The Garden COMMERCIAL COFFEE MACHINE By Ivana Smith

Summer days are probably the perfect time to spend in your garden. As you wander around with a cup of coffee, smelling the roses, are you aware that there are more connections between that cuppa in your hand and your garden? Coffee is not only a great flavour for drinks, cocktails, desserts and cakes, but its grounds are also good for the environment. Here are 5 tips for ‘greening’ your garden with your favourite beverage. Creative compost Composting is probably the most obvious way coffee is able to improve your garden. Coffee is rich in nitrogen which worms love. When you add coffee grounds to your compost bin, the worms inside will appreciate the gourmet meal you give them so much, they will multiply and hang around to turn all those food scraps into nutrient-rich compost. Putting this compost around your plants will allow them to flourish, even in waterless months. If you want more coffee grounds but are feeling over-caffeinated, you could try asking your local café if you could collect their used grounds. Good for grass If used coffee grounds are good for the garden, they’re also good for your lawn. Coffee is also rich in magnesium, potassium, calcium and other vitamins and minerals, making it a good fertiliser. Rake the grounds into the soil between seasons or mix warm water with the grounds to use as a fertilising spray. You can also do this with your house plants. Great garden plants Work coffee grounds into the soil at the base of hydrangeas. This adds to the soil’s acidity level which helps the shrubs absorb aluminium and increases the vibrancy of their colour. Irrigate seedlings with a mixture of water and coffee grounds. Alternatively, mix the coffee grounds directly into the soil. This gives seedlings a needed nitrogen boost. But be careful not to add grounds to areas where you’re growing plants that could be damaged by an increase in soil acidity.

Vibrant veggies Summer is also a great time to grow and eat your own produce. There’s nothing quite like eating veggies that you’ve grown yourself so you’ll be pleased to learn that coffee grounds can help your carrot harvest. Mix dried coffee grounds with your carrot seeds to give them a boost of nutrients to stimulate growth. Coffee grounds are also one of the best and most easily available mediums for growing mushrooms. (Yes, I know a mushroom is a fungus, not a vegetable, but we treat them like veggies!) Using coffee grounds to grow mushrooms is easier than traditional mushroom growing. Use freshly used coffee grounds and a little bit of boiled straw as substrate (the soil) and mix it with spawns of the mushrooms to grow into a new batch in just 4 days. Mushrooms grow very fast and should double their size each day. Check every few days to make sure it's not drying out. Oyster, button, skiitake and portobello mushrooms respond to this the best. Goodbye, bugs! After taking care of your garden, the last thing you want is for some pesky insect to munch it for lunch. A variety of insects don’t like the intense acids and aromas of coffee grounds so sprinkle coffee grounds around the areas where you

don’t want bugs. Prevent ants from entering your home by spreading a thick line around vulnerable areas of each room. Refresh with fresh grounds every two weeks. Hate cockroaches? (Who doesn’t!) Trap them by putting damp coffee grounds in a jar. Using double-sided sticky tape (the stickier the better), line the jar's neck. As the cockroaches are attracted to the scent, they'll get trapped on the sticky tape. You can also keep snails and slugs off your garden by spreading some grounds around, especially at the base of plants to keep them safe. Unlike cockroaches, these slimy critters are not fond of coffee, so a thin line or gentle sprinkling will work. Scare fleas off your pets with a coffee ground wash. Make sure you do this outside – you don’t want fleas jumping all around your house in a mad frenzy! These all-natural garden solutions are effective, inexpensive and easy to implement. For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.

FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

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Call the Midwife in Ringwood HERITAGE & HISTORY By Russ Haines OAM

The very popular BBC series, “Call the Midwife” is based on the memoirs of Jennifer Worth and set in east London in the 1950s. It tells the tales of the midwives carrying out their duties in a poor part of the city, where between 80 and 100 babies were born every month. The episodes are very graphical - I was shocked how detailed they showed the birth of a baby - yet deals with compassion, feelings and the social issues in that environment and in that era. Whilst we enjoy this series so much, the same scenario played out in Ringwood, that is worthy of similar stories. Doctors were few and far between in the Ringwood district in the 1880s/90s, right up to the 1920s. A number of local women assisted childbirth or attended to simple medical issues. Some were Nurse Gowland of Federal Road, East Ringwood and, the subject of this article, Nurse Maggs (with her husband, James, on above left, Marianne in her later years, right). Marianne Hardidge was born on 17th May 1860, a daughter of John Hardidge and his wife Mary Ann Hase. Marianne and her family lived in Doncaster where her father worked an orchard.

On 4th October 1880 she married James Maggs, a son of James Maggs and his wife Harriet Banfield of Springfield, Nunawading. The couple had eleven children - Mary Ann born 1881, Jane 1883, James 1885, Samuel 1887, David 1888, John 1890, Eliza 1892 and died 1892, Robert 1893, Albert 1895, Evaleen 1897 and Harriet Banfield (Chrissie) 1899. In 1887, James leased thirty-six acres of land in Kalinda Road, Ringwood East, where he built a four-room paling house with an iron roof and planted twelve acres of fruit trees. In 1895 he actually bought the property for one pound per acre. About 1899, James became ill and was confined to bed; many people came to visit him including Theresa, wife of neighbour John Shanks, another Ringwood pioneer. Marianne discovered that James and Theresa were having an affair, the result of this was that James left the family home and rented the orchard to Mr Cameron. He rented a house for Marianne and the children and gave her one pound ten shillings a week for their children's upkeep. To supplement the money James gave her, Marianne became a midwife in the Ringwood area bringing over 500 babies into the world.

A story told by one of her grand-children was one of the local men had a very sick horse which was about to be destroyed. He said to Marianne "if you can cure it it's yours". Marianne nursed the horse back to health and the horse became her means of transport to visit her many patients. The people of Ringwood presented her with a "wireless" as a token of their appreciation of her service. In 1926 she sold her home in Mount Dandenong Road, East Ringwood to her son Albert Maggs and with her daughter Harriet (always known as Chrissie) and moved to a home in Clive Street, Mitcham. Every Sunday her family would gather at Clive Street and her grand-children all speak with love and affection of these special Sunday's and of this lovely lady who was kind, warm and caring. Marianne died on 29th September 1941 aged 81 and was buried in the Box Hill Cemetery with her baby daughter Eliza.

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

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Hiring an Architect for your Garden ARCHITECT By Kathy Ismail

During the months and years of COVID lockdowns, people have appreciated the delights of their gardens and some have seen possibilities for expansion, improvements and change. Talking with your gardener may give you ideas for new trees, shrubs, flowers and even fruit and veggies, but what about other aspects of your garden? Could you reorganise your outdoor space with new paths? New paving can add an attractive element to old concrete footways. How about some outside entertainment? Decks, pergolas and shading are becoming standard features for folk who love having friends and family around for a barbecue. Do you want a water feature? Also possible. Many people would consult on these with a landscape designer but did you realise that talking with an architect could save you a lot of time and worry, as well as expense? There are several benefits if you employ an architect and a landscape designer to work together. Plan before building Almost always, the overall landscape cost is lower with an architect than without one and cheaper if brought in at the planning stage. Architects will be aware of your local council regulations, resulting in fewer changes or unnecessary expenses. The landscape surrounding a building is often an undervalued space, designed separately and later than the home itself. An architect will design your outdoor

areas to link with the design of your home so that the ambience and amenity of your whole property is a unified whole. An architect can identify early potential issues and keep communications clear. Plants Mature trees are often removed by developers. A site investigation will identify ones that can be retained and an arborist’s report will further clarify the current condition of the trees. An architect knows which councils require a certain percentage of native and ‘heritage’ plants, ones that you might find unattractive. Your landscape developer can then help you select appropriate ones that you prefer. Building materials, soil or rubble placed under the root zone of a tree may damage its health. Your planning permit may set out details of the tree protection zone. Your architect will have an understanding of the impact of the construction process on existing trees and be able to monitor this on site. Water Rainfall often disappears down the stormwater drain to the bay whereas it could be more useful in your garden. Recent developments by Melbourne Water have water-saving measures that your architect can discuss with you at the planning stages. Water Sensitive Urban Design (WSUD) elements, for example drainage pits, can be located to suit a pattern in a paving layout or be located in a garden area using a bio-retention system. Water features can be selfirrigated with appropriate planning. Irrigation systems are cheaper and

easier to use than watering your garden by hand. Your architect can suggest the location of pipes and drainage pits to suit the landscape, determine appropriate levels to avoid flooding and suggest where trees should be placed. Retrofitting later can be much more expensive. Pavers, pergolas and other features Buildings generate shade which you can exploit for heating and cooling. Your architect can not only design the pergola for you but can identify the most optimal places for trees to shade, screen, frame or direct a view. Regarding pergolas and decking, there are safety issues that need to be considered. Your architect will be aware of regulations about DDA-compliant circulation, tripping hazards and the appropriate sizes for outdoor's ramps, risers and steps. Architects can also advise on the placement of utilities (fire services, gas, water and electricity metres) to accord with council requirements. All in all, factoring in your garden design while talking to an architect for your garden, especially when you are still designing your home, could be the difference between a disaster and a dream home. Contact KiR Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We are always happy to answer any inquiries.

Kathy Ismail ARCHITECTURE 0422 026 962 | www.kirarchitecture.com FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

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High Income Earners – beware of one-off income earning events ACCOUNTANT By Warren Strybosch

If you are a high-income earner, especially someone who is now earning close to $250,000 this financial year, you need to understand how Division 293 applies so you do not get a surprise at tax time. Division 293 tax is the additional 15% tax on concessional contributions for high income earners. The tax applies when a client’s combined income and nonexcessive concessional contributions for the year are greater than $250,000. One-off events can result in clients having to pay Division 293 tax when normally their annual income is well below the $250,000 threshold. Division 293 income definition The definition of ‘income’ used for Division 293 provisions is the total of: •

• • • •

taxable income (excluding any FHSSS* released amount and any assessable super lump sum benefits where the low-rate cap applies for those under 60) amounts subject to family trust distribution tax reportable fringe benefits total net investment losses low tax contributions * First Home Super Saver Scheme

Transfers from foreign superannuation funds that are taxed in the receiving fund and rollovers of taxable component (untaxed element) from untaxed public sector funds are not included as low tax contributions as these amounts don’t count towards a client’s concessional cap. Payment process After a client submits their tax return and the super funds have reported all contributions for the year, the ATO will determine if a Division 293 tax liability has arisen. The client has a choice of: •

paying the tax liability personally, or

•

having the tax deducted from their super fund (via a release authority provided by the ATO).

• To make this choice, the client can complete an election form on myGov. If this election is not made within the 60day timeframe provided, the ATO will issue a release authority directly to the super fund for payment.

Important note: It is not the responsibility of the employer or the receiving super fund to deduct this additional 15% tax on concessional contributions. The onus to meet this liability is on the client.

of redundancy (ie the amount over the tax free portion).

•

The sale of an asset resulting in a capital gain.

•

Receiving a taxable super death benefit as a non-dependent beneficiary (eg adult child). Example: Rory is 50 years of age with a salary of $200,000 p.a. In the 202122 year, he plans to maximise his concessional contributions and will contribute $27,500. His father Jon has an account-based pension valued at $300,000 (all taxable component) and Rory is the sole beneficiary under a binding nomination. In January 2022, Jon dies, and Rory receives the death benefit resulting in taxable income for the year of $500,000 (noting that the maximum tax rate that will apply to the $300,000 death benefit is 15% plus Medicare). As Rory’s income exceeds $250,000 for 2021-22, he will receive (possibly unexpectedly) a Division 293 tax liability notice from the ATO for $4,125 ($27,500 x 15%). At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial

What are low tax contributions?

Trap - beware of one-off events

Low tax contributions generally refer to all concessional contributions made in a year less any excess concessional contributions (as the excess amount is already picked up as part of taxable income).

Income (for Division 293 purposes) can increase suddenly in a particular financial year due to a one-off event resulting in an additional 15% tax on nonexcessive concessional contributions made in that year including concessional contributions made using the carry forward of unused cap rules.

Concessional contributions made to defined benefit schemes (both taxed and untaxed funds) and amounts allocated from reserves to the extent that they count towards the client’s concessional cap, may also be included as low tax contributions although the contributions are modified for defined benefit interests, State higher level office holders and Commonwealth justices and judges.

•

Some of the common events that can arise to dramatically increase taxable income and therefore the requirement to pay Division 293 tax include: •

Employment termination payments and leave entitlements that are added to taxable income as a result

advisor. If you require SMSF advice or are considering whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

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FEBRUARY 2022 | FIND MAROONDAH

Call for energy focus in federal budget

Meanwhile, the Australian Conservation Foundation wants the Morrison government to slash fossil fuel subsidies, while investing heavily in clean export and land restoration. The foundation wants to see a $10 billion investment in clean export industries, a $5 billion regional energy transition authority established, and a $2 billion three-yearly spend on conservation and land management. “Australia can become a global clean energy superpower in the next decade by replacing our exports of coal, gas and uranium with renewable-powered products like green hydrogen, steel and aluminium,” the ACF’s Matt Rose said. “Our clean air and water, land and resources underpin Australia’s health and prosperity. We must do more to protect and restore our natural capital, especially following bushfires and droughts and decades of over-clearing.”

By Georgie Moore

(Australian Associated Press)

Australia’s peak oil and gas lobby group has called for tax incentives in the next federal budget, while conservation groups demand fossil fuel subsidies be slashed. The Australian Petroleum Production and Exploration Association also wants more support for controversial carbon capture, storage and use technologies via changes to the Offshore Petroleum and Greenhouse Gas Storage Act. The group’s budget submission on Monday says this will help the industry decarbonise and cut emissions.

“Australia and its government have a massive, once-in-a-generation opportunity to make policy decisions to provide foundations for the future growth of our economy,” APPEA chief executive Andrew McConville said. Changes called for include making salary and wages immediately deductible, expanding incentives for smaller oil and gas companies, and removing “inefficiencies and duplication” in the Environmental Protection and Biodiversity Conservation Act.

The ACF said the government could fund this by cutting subsidies for the fossil fuel industry, including a tax credits scheme costing taxpayers $7.8 billion in 2020/21. The St Vincent de Paul Society called on $2 billion to fund a national energy program, to support people on low incomes. Together with states and territories, this would upgrade and put in place minimum standards for energy efficiency in social and community housing.

Four of Australia’s finest vocalists come together in a visionary performance combining heavenly vocals in a chamber setting. Katie Noonan’s new project, Australian Vocal Ensemble intertwines Australian compositions and poetic a capella, creating a beautiful tension between ties to more traditional European music and modern Australian classical. The music was commissioned specially for this group, and the poetry works were written by prolific Australian writer, David Malouf. Don't miss this truly unique performance of soaring vocals in Elisabeth Murdoch Hall. Wed 23 Feb 7pm

Book Now

FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

By Warren Strybosch

SME loan guarantee scheme extended The Treasurer has announced that the SME Loan Guarantee Scheme will be extended by six months. It was otherwise due to finish on 31 December 2021, ie it will now operate to 30 June 2022.

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SME Loan Guarantee Scheme Extended

The scheme has been operating since 23 March 2020 and has been "rolled over" a number of times. This extension keeps the same terms and conditions as currently operate, with the exception that the Government will reduce its loan guarantee from 80% to 50%.

ATO draft effective life for e-bikes and e-scooters The ATO has issued a draft effective life proposal for e-bicycles and e-scooters. It suggests a five year effective life for bikes and two years for the scooters. Comments are due by 25 February 2022.

By Georgie Moore

(Australian Associated Press)

Scott Morrison says he empathises with the travel sector seeking to reopen Australia’s international border, but does not yet have the advice he needs to do so. The Australian Tourism Export Council said on Wednesday maintaining international border closures “was no longer a viable or sensible approach” to contain COVID-19 and was damaging the tourism, hospitality and farming sectors. The prime minister told reporters in Sydney an initial opening up to backpackers and some visa holders had been successful. “The key issue that I’ve tasked our health officials to advise me on in opening up the border to international arrivals is what impact that might have on the hospital system and the pressures that could come from additional people coming into the country at this time,” Mr Morrison said. Mr Morrison said he empathised with industry leaders such as Qantas boss Alan Joyce. “He knows my very strong commitment to getting to that point as quickly and as safely as we possibly can, so I’m looking forward to making

PM ‘optimistic’ about international travel progress on that issue,” the prime minister said. “I’m optimistic about that, but cautiously optimistic, as you’d expect me to be.” ATEC managing director Peter Shelley said Australia now had a higher COVID infection rate than the UK or US. “Given every person arriving in Australia has to be fully vaccinated and tested,

there simply is no greater health risk which would result from reopening our international borders – rather it would provide a huge relief to an already burdened and struggling tourism sector,” Mr Shelley said. “The hermit kingdom approach to protecting our borders is no longer viable and we need urgent clarity from the government on when we can welcome international visitors.”

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FEBRUARY 2022 | FIND MAROONDAH

List Your Aged Care Facilities with Find Aged Care Accommodation Today. Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation.com.au) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

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

Find out more

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Understanding the Signs of a Mentally Healthy Workplace OCCUPATIONAL HEALTH & SAFETY By Mark Felton

WorkSafe Victoria recently published information about understanding the signs of a mentally healthy workplace, and how it is important for creating environments where people, and your business, can thrive together. They identify a number of factors within an employer’s control that influence the mental health of their workplace. Job demands relate to the physical, mental and emotional effort required to do the job, including: • •

long work-hours, high workloads – too much to do, or high-pressure deadlines.

Low job control, where an employee has little control over aspects of their work, including: • • •

work is 'micro-managed', employees have little say in the way they do their work, employees are not involved in decisions that will affect them.

Poor support for employees from leaders and colleagues, including: • • •

employees are not given clear work goals employees are provided inadequate induction, information or training to support their work performance, employees aren't given the resources they need to do the job.

Poorly managed organisational change or not communicating to employees

well, including: •

•

not explaining changes to employees properly, or asking for their viewpoint before making major decisions, not giving employees opportunities to participate in the change process, to encourage motivation and ownership of change.

Poor organisational justice, where people are not treated fairly, including: • •

applying policies and procedures sometimes but not at other times. not giving under performing employees the support they need to improve.

Not rewarding your employees’ efforts and recognising achievements can result in them feeling unappreciated, including: • • •

• •

lack of positive or constructive feedback, lack of opportunity for skills development. Low role clarity, meaning that people are not sure what their responsibilities are or what is expected of them, including: tasks and work expectations change often, employees are not sure who to bring problems to.

Unresolved conflict or strained relationships lead to mental ill-health. It can be the result of belittling or excluding people. This can be spoken or written, including:

•

conflict between employees and supervisors or co-workers. This can become worse if there is a reluctance to deal with inappropriate behaviour, employees are not given clear guidelines about how they are expected to behave.

Working in poor quality and hazardous working environments, risking your employee’s physical and mental health. While some aspects of a hazardous working environment are unavoidable, it is especially risky for employees when: •

•

physical work health and safety procedures, including audits and regular risk assessments, are not done employees do not receive information, instruction and training on how to perform hazardous tasks or how risks can be eliminated or appropriately controlled

Do you, or someone you know, need help in understanding how to make their workplace a mentally healthy place? I can assist by reviewing the current situation and systems, highlighting any shortcomings. I can then assist in the development and implementation of effective measures. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@ beaumontlawyers.com.au for an obligation and cost-free initial discussion.

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FEBRUARY 2022 | FIND MAROONDAH

WHY SIGNAGE IS IMPORTANT FOR YOUR BUSINESS SIGNAGES By Glenn Martin

Your brand is not just a logo, but an entire experience that affects whether customers will remember you and decide to do business with you. It should permeate everything you do – websites, magazine and newspaper ads, billboards, sales promotions –and your signs. Surveys, such as one commissioned by FedEx, in conjunction with Ketchum Global Research & Analytics, measured the importance of signage and its impact on consumers as they decide whether to visit your place of business, make a purchase and more, and another by the Economic Centre, measured the impact on business owners in different industries. The surveys found that: •

• • •

• •

•

Nearly 76% of consumers (8 in 10) said they had entered a store or business they had never visited before based simply on its signs. Nearly 75% indicated that they had told others about a business simply based on its signage. About 68% of consumers believe that a business’ signage reflects the quality of its products or services. About 67% of the consumers surveyed said they had purchased a product or service because a sign caught their eye. Nearly 60% of consumers said that the absence of signs deters them from entering a store or business. Roughly 60% of businesses reported that changing the design or enhancing the visibility of their signage had a positive impact on sales, number of transactions and profits, with an average increase of about 10%. Over 50% of survey respondents indicated that poor signage (e.g., poor quality, old & faded, not visible) deters them from entering a place of business. 38% of large companies with multiple locations identified branding/image as the most important purpose of effective signage, while small firms and single establishments perceived signs to be most important for making their business stand out and for helping customers find their location. Legibility was chosen by both consumers and businesses as the most important characteristic of signs.

Ready For Consultation?

Expert

Signage

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

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

Glenn Martin mitcham@signarama.com.au

Before

After

Before

After

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MORTGAGE BROKERING

Why Dealing With A Broker is in Your Best Interest

By Reece Droscher

For anyone who is looking to obtain Home Loan finance for a new purchase, refinance their existing loan or complete some renovations to their home, there is a choice to be made on who you engage to arrange the loan for you. Do you go directly to the financial institution to obtain the finance, or do you engage a broker to arrange this for you? Since the Royal Commission into the banking sector was completed a number of recommendations have been implemented by the government regulators to address misconduct within the banking and financial services industry. Once such recommendation that was implemented last year was Best Interest Duty. BEST INTEREST DUTY ONLY APPLIES TO MORTGAGE BROKERS, NOT TO BANKS Best Interest Duty (BID) creates the obligation for mortgage brokers to act in the best interests of consumers and, where there is a conflict, to prioritise consumers' interests when providing credit assistance. The majority of mortgage brokers have always acted in their client’s best interest when providing advice, the introduction of BID now legislates it. However, what has now been created is a clear difference in obligation when dealing with a broker as opposed to dealing directly with your Bank. Mortgage Brokers must act in their client’s best interest, the Bank does not have this obligation. This is because Mortgage Brokers have access to products and services from many providers, so understanding their client’s requirements and objectives in seeking advice is the basis for making a recommendation on a Home Loan. A Bank lender has one suite of products to offer, so they don’t have the same obligations as a broker and can act in their employer’s interests, not the interests of the customer. It is another major reason to deal with a Mortgage Broker rather than going to a Bank directly. Mortgage Brokers have a legal obligation to act in their client’s best interests, providing them with comfort that the recommendation the broker has made is the most suitable to meet their requirements and objectives. HOW DOES A BROKER APPLY BID WHEN RECOMMENDING A PRODUCT There are a number of factors which may determine what product a broker

will recommend to their clients as the most suitable to meet their particular circumstances, while acting in their best interests. 1.

Price – this will always be a major factor in recommending a product to a client, however is not the only factor. Price includes the interest rate, any Establishment and on-going fees, and mortgage insurance costs if applicable. Recommending the cheapest product on the market may not be in the clients best interest as their circumstances may not meet the policy of the lender. Every client’s requirements are different. Credit Policy – does the proposed transaction meet the policy of the lender? Lenders all have different criteria when considering a finance application, so the broker needs to be aware of each policy to ensure they do not recommend an unsuitable loan. Response Times – is the transaction time-sensitive? Will the lender be able to approve and fund the loan in the time required by the client? This needs to be considered to ensure the broker acts in the client’s best interest. Product Features – does the product have the features the client may require? Features like 100% offset, a secure rate, redraw. Conflict of Priority Rule – any conflicts of interest between the client and broker must be satisfied in the client’s favour. So when considering the best product to recommend the BID legislation states ”the conflict

priority rule means that you must not recommend a product or service of a related party that would create extra revenue for yourself, your credit licensee or another related party, unless doing so would also be in the consumer’s best interests”. In practice, if a broker has two products that would benefit their client, however lender A has an annual fee and offers the broker a higher commission payment, the broker must recommend lender B, even though lender A is still a great fit for their client. This satisfies the conflict priority rule. Brokers must exercise judgement in the relevance of these factors when making reference to the client’s individual circumstances. So, in satisfying BID the client can rest assured that their broker has spent a significant amount of time ensuring the product recommended is the most suitable and best to fit their requirements and objectives. As a mortgage broker we always act in your best interests. A lender has no obligation to do so. At SHL Finance we would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 should you want to discuss your finance requirements.

Reece Droscher Director - SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au

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FEBRUARY 2022 | FIND MAROONDAH

Cyber : Increase your insurability.

GENERAL INSURANCE By Craig Anderson

Insurers will look for some key indicators when deciding to offer cover, or if declining to quote to insure your business. One question they will definitely ask is whether there have been any claims, or if there are any known circumstances which may lead to a claim. The answer gives underwriters a clear indication as to whether you are a good risk or not, and this will likely affect their willingness to insure. If you have not suffered a loss, this may still occur, so insurers will ask a lot more questions to gauge their exposure to losses due to activities you undertake, or deficiencies within the business. One area of cover where we are all exposed to risk but few of us are really prepared for is Cyber. As more than 50% of small businesses will fail within 6 months of a cyber-attack this is an area where being prepared, and insured, is of critical importance. “Cyber insurance helps safeguard your business against online risks such as

accidental data breaches, business interruption, computer hacking, ransomware, IT repair solutions, legal claims and remediating any losses suffered by your customers or clients. A cyber-attack or data breach may cost your business more than just money; it could cause damage to the reputation of your company and put your customers’ personal details at risk” (FTA Insurance). So how do you get your business to the point where an insurer will offer cover? Before any claims occur, there are things than can be done to make your business resilient, and more desirable to insure from an underwriter’s perspective. Identifying and removing weaknesses in cyber security, internal encryption and storage of files, and staff training, needs to be undertaken. The most efficient way to achieve this is to engage an IT Consultant who is ISO27001:2013 accredited to audit your whole IT system, who will find and fix the problems. (ISO 27001:2013 is the International Information Security Standard) The consultant will be able to

put in place the necessary changes, which will protect the business from preventable losses, and reputational damage. When the process is completed, you will be considered by insurers to be a good risk. However as we know from experience, there is still a good chance the insurance will be “worth its weight in gold”, in the not too distant future. For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

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

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

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FIND MAROONDAH | FEBRUARY 2022

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Mastitis... Help!

Photo credit: Flávia Gaga, via Unsplash

LACTATION CONSULTANT By Dr. Joanna Strybosch

What is it? Mastitis is a common inflammatory condition affecting the breast tissue. It is estimated that one in four breastfeeding women experience mastitis at some point in time, most commonly in their first 26 weeks postpartum. It usually presents with a red, tender, hot and/or swollen area of the breast and flu like symptoms such as fever, aches and chills. It can vary in severity from mild through to a more severe condition. It is possible to develop mastitis more than once in the same lactation as well as in subsequent lactations. What causes it? The most common form of mastitis is acute lactational mastitis (ALM). Sometimes there is an infectious agent - most frequently staphylococcus aureus. However often there is no clear infectious pathogen involved. In these cases, the most common cause is inflammation due to milk stasis. When there is inadequate milk removal from the breast, milk builds up within a lobe of the breast causing inflammation and the characteristic intense local pain of mastitis. Acute lactational mastitis has a sudden onset of symptoms and usually runs a short course. The known risk factors for mastitis are the wearing of a tight bra, previous mastitis, no breastfeeding support, long times between feeds, hyperlactation, use of nipple shields and quick weaning. These situations lead to milk stasis and/or inadequate milk removal. In addition, nipple wounds are a risk factor for staph aureus infections. How do I manage it? The first step in the management of ALM is to keep the breasts as empty as possible. This means breastfeeding more often and making sure that baby is properly positioned and latched for effective milk removal. If baby is unwilling or unable to feed, milk removal must be done through hand expression or use of a breast pump.

Mastitis can be an extremely painful condition. Mothers need to be cared for and supported to continue breastfeeding while recovering from mastitis so as to not prematurely wean. They need lots of rest, which is vital for a quick recovery. They also need to remain well hydrated and to eat well. The use of cold compresseson the affected breast can be soothing as well as short periods of warmth on the breast just before feeding in order to help the milk flow. Practically, mums need help with their baby and any other siblings as well as help around the home, in order to allow her to have adequate rest. What if it doesn’t go away? If symptoms do not resolve within 12 to 24 hours or if the mother is feeling very unwell she should continue with the above measures and seek medical treatment. In these cases, antibiotics will be required. After commencing antibiotic treatment usually the symptoms of fever and chills disappear within 12 hours, although the pain, redness and breast lump will take longer to resolve. If symptoms do not improve within 48 hours see your doctor again for further help. ALM can lead to a breast abscess if not managed correctly or treated adequately.

Does it affect my milk? During mastitis, a mother’s milk will taste more salty but it is perfectly safe for her baby to drink. Putting her baby to the breast frequently is usually the most effective way to remove milk from the breast and resolve mastitis and should always be encouraged. What else can I do? Recent studies have shown that the risk of developing lactational mastitis is significantly reduced by the daily consumption of fermented foods and drinks, including kefir and boza, homemade and conventional yoghurts and pickles. Consuming a diversity of these foods was also found to be protective. In contrast, the consumption of probiotic supplements for the management of mastitis is unproven. See your lactation consultant or GP for further advice.

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com

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FEBRUARY 2022 | FIND MAROONDAH

Free RAT for DVA and Concession Card holders but should it be free for others as well? By Warren Strybosch

Only DVA Gold and White Card holders, Health Care Card holders, and other concession card holders can obtain Free Rapid Antigen Test (RAT) kits. Chemists must prepay for the RAT kits and then on sell them to their customers. For DVA and Concession Card Holders, you can walk into a pharmacy, show your concession card, and receive up to five RATs for free which are being subsidised by Medicare. Thankfully, this option is available to concession card holders given many would struggle to come up with the required $75 needed to obtain the five tests. Whilst concession card holders are now able to obtain the RATs, many casual workers feel they should also be receiving free RAT kits. Casual workers have suggested that every person should receive at least two free kits under the Medicare system. Regardless, of who is getting them for free or not, there is still a shortage of RAT kits for Victorians. Interestingly, the Victorian Government has decided to give free RAT kits to every child attending school this year, however, it is not compulsory to take the RAT even

if symptoms are presenting. It is hard to believe that every parent is going to administer these tests to their children even when there are no symptoms showing.

With shortages or RATs still occurring it is also likely that some school parents will see this as an opportunity to make a few quick dollars by on selling their kits to those in need.

Whilst some workers are struggling to get their hands on a RAT kit, there is likely to be many school families stockpiling their RAT kits for a future event e.g., when they or someone in their family needs to take one so they can get back to work.

Hopefully, we will see a decline in the use of RATs as the year progresses but that does seem a long way away as we see continue to see increased hospitalisations and more and more people getting sick from Covid.

CORPORATE EVENTS Make more meaningful connections with your clients and team! Visit www.norwoodsportingclub.com.au, call 0467 676 753 or email enquieries@norwoodsportingclub.com.au

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NATIONAL PIE DAY! By Elwynne Kift

Our secretary’s kitchen cupboards revealed a PWMU COOKERY BOOK from 1920 which belonged to her grandmother, an excellent cook, (and also a friend of Dame Pattie Menzies, it is believed.) Dame Pattie loved Grandmother Palmer's plum jam straight from the orchard to cooking pot and sealed into jars. Delivered by horse and buggy, and then a chat over afternoon tea, afterwards. We hope you enjoy them!!! (Measurement pre metric) Apple Pie 6 apples, 4 cloves, 3 tablespoons sugar, 1/2 lb. flaky pastry or short crust (1/2 lb. refers to quantity of flour used). Slice apples after peeling and coring and put them in a piedish with sugar and cloves in layers; cover dish with pastry, glaze with water and sprinkle with a little castor sugar. Bake in a hot even half an hour; try if done by running a skewer into fruit. Pineapple Pie 4 oz. breadcrumbs, 1 pint milk, 2 eggs, grated rind and juice of 2 lemons, 1 good tablespoon sugar, 1/4 lb. short crust, 2 tablespoons castor sugar. Grease piedish, grate rind and strain juice of lemons; grate breadgrumbs and put them into a basin, bring milk to boiling point and pour over the crumbs, stand aside for a few minutes, then add lemon rind and juice and sugar. Beat yolks of eggs and add; make short crust and line piedish. Put mixture in, and stand piedish in a baking dish containing 2 inches of cold water. Bake in a modarate oven till the pastry is cooked and the mixture set. Beat up white eggs stiffly, and add the custar sugar. Return pie to the oven and brown slightly.

The 24th January Is International Day Of Education

By Elwynne Kift

This prompted our search within our Secretary’s memorabilia. The following photos show a Spelling Book from approximately 1921. It belonged to Elwynne Kift’s Uncle – Thomas Murray Palmer (known as Murray) who went to state school in Alexandra, Victoria. The spelling book must have proved valuable to his education because later Murray became a High School teacher, and progressed to being Principal at Colac High School and later Warracknabeal in Victoria. In retirement, Murray researched and invented one of the first test for the medical field in DNA. All this from the education of the PRIMER!!!

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Ringwood Classic Bowls Tournament Peter Horton

The Ringwood Bowls Club held its major bowls tournament on Sunday February 6th – The Ringwood Classic sponsored by Jellis Craig. On a perfect summer’s day 24 teams from Bowls Clubs across Melbourne participated. The Ringwood Bowls Club sincerely thanks Jellis Craig for their continued sponsorship which includes exclusive naming rights to the Ringwood Classic. Plans are already underway for the 2023 tournament. Prize money was awarded to the top 4 teams on the day by Jellis Craig Director Daniel Broadbent. Winning Team – Daniel Woodrow, Chris Woodrow, Max Snell, Darrell Maguire

Third – Grant Pickering, Russell Green Jnr, Lloyd Laccarino, Max Goldsmith

Second – Tom Carrol, Lance Whitnall, Tim Connolly, Darren Morris

Fourth -Tom Ristic, Ian MxKay, Winston Bradkey, Todd Shannon

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2022 TA Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns. The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed. For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Announced: 15-Nov-2021 Updated: 22-Nov-2021

concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021 Updated: 24-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020)

This will assist a small business in decision making by increasing transparency on how quickly they could

Passed(6-Oct-2020)

expect payment for work with a big business.Small businesses can opt out of being identified as a small

Royal Assent(14-Oct-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

Victorian windfall gains tax Royal assent has been given to the windfall gains tax (WGT), which is to be levied on rezoned land in Victoria. The WGT will apply to rezoning planning decision which will substantially increase the value of land. The WGT will not apply if a rezoning event causes a taxable value of land uplift of less than $100,000.

Announced: 2-Dec-2021

The commencement date for the WGT will be from 1 July 2023, with various deferrals and exemptions

Updated: 3-Dec-2021

available.Information relating to the interaction between the WGT and other federal income tax is yet to be released by the ATO.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of

Announcement(6-Oct-2020)

prior year income tax paid, but is only available for recent income years. The loss carry-back is available

Consultation(6-Oct-2020)

to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 Federal Budget, the ability to utilise tax losses for a refund has been extended by 12 months into the 2022–23 income year. The extension has been introduced into parliament.

Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

AX UPDATES Employee share scheme tax and regulatory changes proposed New legislation has been introduced into parliament which will remove 'cessation of employment' as a deferred taxation point on employee share schemes (ESS). Further draft regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall,

nnouncement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021)

these combined proposals for both ESS participants and businesses may change traditional structuring of

Passed

arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make

Royal Assent

ESS offers to participants in the future.

Date of effect

Intangible assets depreciation changes proposed A proposal to change legislation around intangible asset depreciation has been issued by the Treasury after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory depreciation rates.

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced Passed

If the proposal passes through the legislative process, self-assessed intangible asset depreciation will begin

Royal Assent

for assets first held on or after 1 July 2023.

Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Announcement(8-May-2021) Consultation(12-Jan-2022) Introduced

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns during the second half of 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. Grants of up to $20,000 are available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants were subsequently extended in October 2021. Businesses do not need to re-apply as payments will be automatically paid. The federal government has also announced that these payments

Announced: 22-Mar-2020 Updated: 20-Jan-2022

received will be tax free. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021.

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses. In December 2021, density restrictions in place may have meant that your client has experienced a further decline in turnover. •

These support measures include:

•

automatic payments for those also in receipt of the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that are cancelled or postponed.

•

For previous measures that were in place in South Australia, refer to our state COVID-19 page.

Announced: 26-Mar-2020 Updated: 21-Jan-2022

FEBRUARY 2022 | FIND MAROONDAH

FEBRUARY REALESTATE2022

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

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

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ADVERTISE YOUR PROPERTIES HERE Email your Properties For Sale in the Find Maroondah and we will place it in the online community paper. Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

findmaroondah.com.au

FREE RENTAL LISTING Advertising for Real Estate Agents

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

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

NEW RENTAL LISTING HOSKINS 142 Maroondah Highway Croydon VIC 3136

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FEBRUARY 2022 | FIND MAROONDAH

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

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

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

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

FEBRUARY 2022 | FIND MAROONDAH

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

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105/10 Alfrick Road, Croydon, Vic 3136

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27 Neville Street, Mooroolbark VIC 3138

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14 Kepsi Place, Croydon VIC 3136 4

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

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MORE DETAILS FEBRUARY 2022 | FIND MAROONDAH

NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

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

$455 Per Week

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NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

03 9955 4988 maroondah@fletchers.com.au www.fletchers.net.au

$525 Per Week

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

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

FEBRUARY 2022 | FIND MAROONDAH

Maroondah C

Maroondah honours its top citizens on Australia Day Maroondah’s most inspirational community members were honoured at an Australia Day event held at Ringwood Lake Park on Wednesday 26 January.

Terri has contributed 20 plus years of service to Scouts Victoria, including five years as Maroondah District Commissioner. She is a mentor to over 20 adults and is currently a Group Leader.

Councillor Mike Symon, Mayor of Maroondah, announced the 2022 Citizen of the Year, Young Citizen of the Year and Community Event of the Year during a special awards ceremony, where 57 people also received their Australian citizenship.

Throughout the COVID-19 pandemic and lockdowns, Terri showed impeccable leadership, resilience, care and initiative. From continuing to champion the 600 youth and 130 adults through Zoom meetings, to working on multiple hall upgrades for our young people, Terri epitomises what it means to be a dedicated volunteer.

Each year we invite the community to nominate an individual or community group, someone who they think is deserving of a Maroondah Australia Day Award. This year’s recipients have been awarded for their leadership, resilience and passion for the community.

“I look forward to continuing to work closely with Maroondah Council to complete the Scout hall upgrades during 2022. It's a very exciting time with lots of infrastructure development in Maroondah,” Terri said.

Citizen of the Year – Terri Verberne Terri Verberne was recognised as the 2022 Citizen of the Year for her incredible service, leadership and volunteering in the community.

Young Citizen of the Year – Lily Van Sui Cer Kingbawl Lily Van Sui Cer Kingbawl was awarded Young Citizen of the Year for her passion and commitment to supporting the broader Maroondah community.

“I'm very grateful for this award. Most of us don't volunteer with any expectation of formal recognition. To be named Citizen of the Year is a great honour and I proudly accept the award on behalf of all of those who volunteer with Scouting and Lawn Bowls in the Maroondah community,” Terri said.

“I love being able to connect with people and learn different perspectives from different groups of people,” Lily said.

“Volunteering is something that I have done since my teens. The fantastic thing about volunteering is that you meet people coming together for a common cause but often with so many different experiences/skill sets. We all benefit from that shared experience,” said Terri.

Lily is an active member in Council’s Youth Services programs and is involved in Eastern Access Community Health’s campaigns to raise awareness of safety over the continued effects of the pandemic. “I also want to encourage young people to get out of their comfort zone and connect with our wider communities. There are so many things we can do to make our community safe and better,” said Lily.

Council News FEBRUARY 2022

Lily is strongly connected to her Chin (Myanmar) culture and is a Chin Cultural Liaison, supporting many young Chin students and their families. Lily is also an active member of the Chin Family Strengths and Project Advisory Group with Foundation House. She has recently become the Assistant Secretary of the Youth Department in the Australia Chin Community - Eastern Melbourne Inc. Lily also volunteers her time at the Victoria Chin Baptist Church, teaching Sunday school to children. “I would like to thank the Maroondah City Council for providing endless opportunities for young people. I also want to thank my Chin communities for uplifting our culture and creating a place where the Australian-Chin young people can practise our values and culture,” Lily said. Community Event of the Year – The Ringwood Eisteddfod The Ringwood Eisteddfod was one of the very few community competition events able to take place in 2021. With a large span of awards in performing arts as well as music, the Eisteddfod provided the opportunity for over 700 community members to participate. “Receiving the Australia Day Award certainly was a boost to the Eisteddfod team and they are exceedingly grateful to the Maroondah Mayor, Councillors, CEO and staff for making such a magic event possible,” Eisteddfod president, Bernie Capicchiano, said.

Not just an event for young aspiring musicians—the Ringwood Eisteddfod offers awards which are open to any age, encouraging an inclusive opportunity to compete in skill level, not just age. As lockdown hit in June, rather than cancel, the Eisteddfod committee worked around the clock to quickly modify performance schedules to be COVID-19 safe and fit with the rapidly changing regulations. “The 67th Ringwood Eisteddfod was a massive team effort to operate in such restrictive circumstances. Its mission is to Showcase, Inspire and reward Performing arts Scholars, and we are proud that we achieved that,” Bernie said. All the sections of the event were delivered “in-person”; a rare and epic effort in this current climate. “The amazing part about the 67th Eisteddfod was the reaction from the children and the parents. The entrants, even from the under 6-year-olds, were so happy to be able to perform that they dressed up to really showcase their talents. Parents were so thankful that we received cards, flowers and chocolates in appreciation,” Bernie said. Congratulations to all our deserving recipients and nominees. Nominations are now open for the 2023 Australia Day Awards.

Wyreena Term Art And Craft Classes Wyreena Community Arts Centre | Term 1, 2022 Each term, Wyreena Community Arts Centre offers a range of short and ongoing courses in the creative arts, where beginners and the more experienced are always catered for. Courses include painting and drawing, pottery, sculpture, mosaics, relaxation classes and much more. Head to our website for full course/class details.

Find out more

FEBRUARY 2022 | FIND MAROONDAH

Dorset Recreation Reserve In Progress - Dorset Recreation Reserve Council has developed a plan for Dorset Recreation Reserve to ensure the reserve continues to meet the needs of our community into the future. The new multipurpose community and sports hub will be home to Croydon City Soccer Club and Maroondah’s Burmese/Myanmar community.

Find out more

Talking nappies! Do you have a child in nappies? Council wants to hear from you. Council is asking parents, primary carers and soon-to-be mums and dads to share their thoughts so we can find out more about how you decide which nappy to use. We want to hear from everybody – whether you’ve only used disposable nappies, you’ve tried reusable nappies and decided they aren’t for you, or you’re a full-blown reusable nappy user and lover.

Have Your Say

Understanding and overcoming anxiety workshops Come along and increase your understanding of anxiety and learn proven and practical steps and strategies to overcoming anxiety. There is a maximum of 20 participants per workshop. These workshops are proudly brought to you by Maroondah City Council in partnership with Eastern Regional Libraries, EACH and Neami National.

No Waste Cooking Class Learn how to reduce your food waste at home and create a delicious no waste recipe using up leftover seasonal vegetables. Did you know that 20% of food purchased by Australian households ends up in the bin? Would you like to learn how to reduce your food waste? Come along to this online workshop to find out how you can effectively meal plan, store your food to maximise freshness and use up your leftovers, all the while saving you money.

The Science of Stress The Science of Stress aims to strengthen resilience through enhancing our understanding of what stress is and how we might be able to manage it. Council is continuing to offer our community the opportunity to participate in training to help improve mental wellbeing. Don’t miss this opportunity to attend this free workshop on stress management facilitated by Victoria Carrier at LifeConnect.

Hammond Day at Bernie's A celebration of all things Hammond - organs and keyboards Come and celebrate all things Hammond at Bernies Music Land on February 26th! See and play Australia's largest range of Hammond organs, including the latest release, SK Pro. Join us for a fun filled day of Hammond grooves with demos, workshops, one-day-only specials, and free Hammond showbags with any purchase!

FEBRUARY 2022 | FIND MAROONDAH

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

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FIND MAROONDAH | FEBRUARY 2022

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Committed to improving the legal, political, economic, educational, health and professional status of women locally and internationally.

International Women’s Day Dinner Wednesday 2nd March 2022 Guest Speaker Kaliope Vassilopoulos Zonta International Amelia Earhar t Fellow Member of Zonta Club of Melbourne’s West Venue - Capri Receptions 258 Pakington Street, Geelong West 6.30pm for a 6.45pm star t In compliance with health guidelines attendees are required to have proof of vaccination or exemption. **Photographs taken on the night may be used in social media and promotional material. If you do not wish your photo to be used, please advise when responding to this invitation.

Cost $35 Two course dinner Please advise of dietary requirements Guests welcome Payment – Direct Debit prior to event Account details – Zonta Club Geelong Inc BSB 633-000 1565 99052

RSVP via email and payment required by: Wednesday 25 February 2022 E: zontaclubgeelong@yahoo.com.au

STUDENT ATTENDANCE – GUEST SPEAKER ONLY $10 7.15pm Please email : zontaclubgeelong@yahoo.com.au to reserve your place

W: http://www.zontageelong.org.au

F: https://www.facebook.com/ZontaGeelong

Advanced phones and iPads class starting in one week! Join this relaxed class and learn how to do more with your device by taking part in fun and interesting activities with tutor Ruth and a friendly group of students.

Read More Term 1 commencing Thursday 10 February, 9:30am to 12:00pm and runs for eight weeks, finishing on 31 March. Contact our office on 9720 0877 for more information and bookings.

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FEBRUARY 2022 | FIND MAROONDAH

Happy back-to-school! If you are a teacher, parent, or student, the start of the school year is a great time to think about getting your school involved in fundraising for disadvantaged kids in your community. Not only is it a great opportunity to raise much needed funds, but it brings your school community together for a good cause. Here are just a few ideas for fundraisers you could organise: - sponsored run / walk - dress down day - trivia event - morning tea / bake sale - book sale If you would like to organise a fundraiser on behalf of St Kilda Mums, please get in touch at fundraise@stkildamums.org. We look forward to hearing your ideas!

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sizzle, production? Place your EVENT AD here for FREE

in our community online paper.

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FEBRUARY 2022 | FIND MAROONDAH

Valentine's Gift ideas for Him From practical pieces to sentimental surprises your guide to the perfect 'I love you' gift. When it comes to nailing the perfect Valentine’s gift for the man in your life, heirloom pieces that he’ll have forever are the statement gifts he’ll love. If you’re looking for a gift to go the extra mile this year, a watch from Temelli Jewellery is a timeless option that’ll he’ll cherish as a reminder of your love. Make it personal at MME with an engraving of his initials or perhaps a word or phrase that is special to you both. For something a little more low-key, new on-trend fashion pieces are a great option for the man who hates shopping

for himself. This season we’re loving Country Road's linen range and we bet he will too! Or, why not choose a new scent that you love – after all, there’s nothing as special and comforting as a beautiful fragrance and David Jones certainly has many to choose from. When in doubt, we suggest looking for gifts that are practical (think: new shoes or boxers), sentimental (an engraved watch) or something that suits his interest and hobbies (like a new Xbox game or some running gear).

Valentine's Gift ideas for Her If in doubt, just remember: scents, silk or sparkles! For her, the perfect Valentine’s gift should be about making her feel beautiful, special, and loved. Think: delicious scents, silky fabrics and, of course, something a little sparkly. Whether she’s a style icon or the active outdoorsy type, every woman loves a little TLC, so gifts like perfume or luxurious skincare are options she may not often buy herself, but will leave her feeling truly cherished. Our picks are a diptyque perfume and Calendula Petal-Infused Calming Face Mask. Mecca Cosmetica or Kiehl's are a great place to start if you are short of inspiration. Read More

Spend to Win WIN a $10,000 Flight Centre Holiday and hundreds of daily instant prizes!* To celebrate the launch of Our Style Our Way at Eastland we are giving you the chance to win a $10,000 Aussie Holiday thanks to our friends at Flight Centre and your share in hundreds of instant prizes*. Simply spend $150 or more in participating fashion and beauty stores from January 20th - February 20th 2022 for your chance to win. Enter your details via the link below to see if you're a winner! Read More

Top 10 ways to surprise your loved one this Valentine’s Day As January comes to an end the nights grow longer and warmer, love is in the air and Valentine’s Day is the only holiday on our minds. Traditional Valentine’s ideas may seem a little cheesy and overpriced, and while there’s nothing wrong with spoiling the one you love with gifts, the most important thing to remember is that Valentine’s Day is, at its core, about spending time together and cherishing the ones you love – your partner, your kids, or even your furry loves. Read More

Valentine's gifts for Little Loves and Perfect Pets For kids, Valentine’s Day is about celebrating all the people in their lives who make the world better by being in it – from teachers and playground pals to mum, dad, and the dog – and this is an ethos we can get on board with! Share the love with your little ones with these adorable Valentine’s Day gifts for pets and kids. Read More

What's On

Gut Health is for today, and tomorrow

Results Laser Clinic - Lunar New Year Gift

Escape to Kangaroo Island FEBRUARY 2022 | FIND MAROONDAH

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

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHERE WE WORK

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

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

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

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

findmaroondah.com.au

RETIREMENT By Bernard Kelly MBA

As we transition from one age into another, that’s precisely the time when we should look back on our life, and set new coordinates to enable us to navigate our future birthdays. It doesn’t have to be something that you want to tell the neighbours about – such as becoming a gray nomad for the next twelve months, and would they keep an eye on the unit for us? – but something more personal can be equally satisfying and achievable – like deciding to find, for the next month, a different meal every evening, on YouTube. And indeed, for a novice starting to discover totally new recipes, you can’t do better than David Herbert’s divine “Classic Bolognese Sauce”. Setting new retirement co-ordinates is to start to move out of boredom, and towards fear. And obviously, the rules are (1) small steps are best and (2) don’t ask for permission. BRAINHQ.com And here’s another pathway to follow – an online habit to keep your brain in pristine mental health. It’s BrainHQ.com This is a personal gym – for your brain. At BrainHQ you can exercise your memory, attention, brain speed, people skills, intelligence and navigation. Just as our bodies require care and

FEBRUARY 2022 | FIND MAROONDAH

Setting New Life Coordinates

Photo by cottonbro from Pexels

exercise during our life, so do our brains. So go there today! RETIREMENT IS LIKE POKER You’ve never played poker? Don’t worry - that’s irrelevant for now however there are some fundamentals about the game that could lead to a better life in retirement. So you’re holding some cards in your hand. Unlike in real-world poker, you selected some of those cards. Others, you were dealt. You hold what you hold. And it’s how you play that hand in “Retirement Poker” that can have a profound impact on your life. The goal in Retirement Poker is to continually improve your hand. If your hand includes a card that you enjoy (e.g. posting videos to YouTube), you can keep it for as long as you like.

If you were dealt some that aren’t serving you well, go ahead and discard them. Looking to improve your life? Pick up a new card and try it out for a while. Make a habit of continually mixing in new cards with the cards you’re already holding. Work to find cards to discard. For example, if you establish a charity, you may find that you won’t have time for Rotary. New cards frequently displace old cards.

Bernard Kelly MBA writes on retirement lifestyle issues. His email is bernardkellygeelong@gmail.com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach

More face-to-face Aged Care Specialist Officer services being offered Additional aged care support will now be available at an estimated 80 locations across Australia. The face-to-face service will be provided at Services Australia Service Centres and will assist older Australians with: • • • • •

information on the different types of aged care services available help to organise an aged care assessment help with the appointment of a representative for My Aged Care providing financial information about the various aged care services on offer finding contacts to local support services

Appointments can be booked with a specialist by calling the Aged Care line – 1800 227 475.

More face-to-face Aged Care Specialist Officer services being offered For Financial Planning advice related to Aged Care; the costs involved in moving into aged care facility, how this will have an impact on your age pension, and what the implications will be when considering leaving something to your children, speak to a specialist aged care financial planner. If there is not a financial planner in your area than continue to revisit this website as more financial planners will be listing soon. You can search for a specialist financial planner at https:// findagedcareaccommodation.com.au/find-advisers/

FEBRUARY 2022 | FIND MAROONDAH

FIND MAROONDAH | FEBRUARY 2022

findmaroondah.com.au

Pension Loan Scheme – helping retirees obtain more income in retirement FINANCIAL PLANNING By Warren Strybosch

The Pension Loan Scheme (PLS) is one of few home equity release strategies available to homeowners to access some of their equity whilst continuing to live in it. Whilst there are a few options available to Australians to unlock some of their wealth from their home in retirement, the Pension Loan Scheme, is managed by the Australian Government, and provides greater certainty for retirees when needing additional funds in retirement. Some of the other strategies available to retirees to unlock home equity: Reverse Mortgage A reverse mortgage allows a person to borrow money in the form of an income stream, line of credit, lump sum, or combination, using their home equity as security for the loan. The most you can initially borrow is between 20-25% of the value of the home. When the house is sold (usually at death), the compounding Interest on the loan and the full amount (plus interest and fees) is repaid. This can often result in nothing being left to pass on to the estate. Prior to 2012, a reverse mortgage could have left the estate owing money to the lender, however, since 2012, negative equity protection was introduced, preventing a borrower owing the lender more than the value of their home. Given the ability for retirees to lose all equity in their home and the higher interest rate that applies, reverse mortgages are considered a last resort when unlocking equity from the home in retirement.

if the house was valued at $1M and you were giving away 20%, the provider may only give you between $100k and $150k for that portion you have sold to them. The benefit is that there is no interest charged; the provider simply takes their portion value at time of sale. Equity Release Agreement An equity release agreement involves selling a portion of the value of your home and in return receiving a lump sum or regular payments, whilst continuing to live in the home until it is sold. The fees come out of the remaining equity left in the home which, overtime, gradually reduces your remaining equity owned by you. When the house is sold, the amount you borrowed plus the total amount of fees owing to the provider would be paid back to them from the sale proceeds. A benefit of these types of equity release schemes is that the proportion you still own can grow in value until the home is sold. Each party, you and the provider gain from the growth of the home until the sale. Pension Loan Scheme (PLS) The PLS is a type of reverse mortgage administered by the government. It enables people of pension age, who meet certain criteria, to access some of their equity in their property. The payments are made fortnightly and usually top up the age pension or other forms of retirement income. It is available to Australian property owners of pension age, irrespective of whether they receive income support from the Government The PLS, enables a person to receive up to 150% of the full age pension rate, less what they already receive in the age pension.

The Government has announced changes to the Pension Loan Scheme including a change in name and in the annual interest rate. The Pension Loan Scheme will now be known as the Home Equity Access Scheme to better reflect the initiative it was designed for; namely, a government provided home equity release scheme. The annual interest rate charged under the Scheme will also reduce from 4.5% to 3.95% from 1 January 2022. Currently, the only option available under this Scheme is regular fortnightly payments however the Government proposed in the 2021 Federal Budget that from 1 July 2022, the Scheme will be extended to allow up to 50% of the maximum annual rate of pension to be received as a lump sum (limited to two lump sum payments in 12 months). The legislation to implement this change is currently sitting in the House of Representatives and is not yet law. This information is current as at January 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Home Reversion A home reversion involves selling a portion of the home to a home reversion provider who will in turn give you a lump sum for that portion of the home. The draw back here is that the provider will provide a lesser amount then what the actual value of the portion is worth e.g.,

A full age pension couple can receive an extra $718 a fortnight (roughly $18,670 a year) on top of the age pension. Whereas a self-funded retiree couple can get upwards of $2,154 a fortnight (close to $56,000 a year).

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

PAGE

FEBRUARY 2022 | FIND MAROONDAH 49 PROFESSIONAL SERVICES

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PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • • • • • • • • • • •

Architect ------------------------------ 48 Find Accountant ----------------- 46 Financial Planning ------------- 46 Find Insurance -------------------- 46 Bookkeeping ---------------------- 48 Editor|Copywriter --------------- 48 General Insurance ------------- 47 Life Coach --------------------------- 48 Signages ------------------------------ 49 Mortgage Brokering ----------- 49 Solicitor/Lawyer ------------------ 00

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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PROFESSIONAL SERVICES

PROFESSIONAL SERVICES HELPING TO PROTECT YOU AND YOUR FAMILY

INSURANCE

At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

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

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

INSURANCE

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

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

Visit Us Here

the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

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

ABN: 26689211803

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PROFESSIONAL SERVICES

Save Your Time & Grow Your Business • New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up Sum and Substance Bookkeeping, Training and VCFO services

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar

9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095

• Small and Medium Size Business Owners • Setup, Training & Review

Office: (03) 9424 9447

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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

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

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

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document 4. Full service package (and more)

KATHY ISMAIL

www.kirachitecture.com

ARCHITECT

Make your writing ZING! SERVICES • Book Editing • Memoirs and Life Stories

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

FEBRUARY 2022 | FIND MAROONDAH

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PROFESSIONAL SERVICES

We are open and here to support your business. Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

We offer contact-free installation! Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime. Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

Get in touch today.

• Design

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

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REECE DROSCHER

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MORTGAGE BROKERING

Get the Morthgage You Deserve

reece@shlfinance.com.au 0478 021 757 www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

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

Areas of Expertise

Contact Details

WHS/ OHS

Manufacturing

Regulatory Compliance

Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

Succession Planning

PO Box 61, Mooroolbark VIC 3138

Business Management

Operations

mfelton@beaumontlawyers.com.au 03 9727 1376

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LOCAL TRADIES

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We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies. MACCHIATO 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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MORE THAN JUST ESPRESSO FEBRUARY 2022 | FIND MAROONDAH

HOME & GARDEN

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TRADIES - FREE ADVERTISING We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies. 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.

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

139 x 96 mm - 1/4 Page Portrait

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

HEALTH & BEAUTY

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

139 x 96 mm - 1/4 Page Portrait

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

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 52 • Swen Pouches ---------------------- 51 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

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

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

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

•Growing Pain •Migraines and Headaches •Poor Posture •Sport Injuries •Special Needs •Retained Primitive Reflexes •Pregnant and Prostnatal Women

FEBRUARY 2022 | FIND MAROONDAH

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

HEALTH & BEAUTY

SPORTS

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport. FEBRUARY 2022 | FIND MAROONDAH

SPORTS

A Positive Start To 2022 Peter Horton

The Ringwood Bowls Club would like to thank the many people who have already requested information on how they can become a member of the Club.

Social members can visit the club at any time and are welcome to join in social activities organised by the club. If you are simply looking to join a Club then the RBC could be what you are looking for.

purchase your drinks at reduced prices and above all have some fun.

Full membership for people who would like to join the Club and in line with their past bowling experience be ready to play when the 2022/2023 pennant bowling season kicks off. Social membership. The RBC provides membership opportunities on two fronts:

Your reason for joining would not necessarily be aligned to any desire to play bowls.

Want to find out a little more about the Club then please visit our website www. ringwoodbowls.com.au

You may be looking to meet new people, make new friends and enjoy the companionship of other members of the RBC.

Social membership for people who would like to try their hand at bowling with the RBC providing both the equipment and specialised coaching. Your bowling career would start with social bowling held every Wednesday afternoon and during winter every Saturday afternoon.

The RBC offers its social members a venue where you can meet, have a cuppa and make new friends.

For more information about becoming a member then all we want you to do is send an email to our Club Secretary and in turn you will hear from our Club’s Membership Director.

The RBC has two specific membership classifications: 1.

Many of our social activities offer you the opportunity to bring your family and friends along, have a meal at the club,

Save the date for another evening in our Incredible Journeys Series. International Women’s Day Tuesday 8 March | 6.30pm Norwood Function Room - On The Parade

Celebrating amazing achievements, adversity and determination. Booking details will be available on 7th of February 2022.

Send your email including name, address and contact details to: clubsec@ringwoodbowls.com.au The door is open for you to join the RBC in 2022.

NORWOOD SPORTING CLUB

SPORTS

POCKETS PRO SERIES 2022 Keira Sloetjes

‘Pockets’ located on Mickleham Road, Tullamarine. A sports bar, weekend night club, dance floor, weekly pool comp location and the venue that has just hosted Australia's First and Biggest Major Professional Pool Series in History, with 8 professionals playing for a Prize Pool of $126,000.. This is the most prize money these 8 individuals have ever played for. The structure & format is an 8- man Single Elimination, played on Supreme Tables using International Rules. The new ruleset on new tables gives everything a new fresh feel, with these rules comes a more fast attacking game although defensive as well. This keeps viewers tuned in. The Pockets Sports team have been working extremely hard over the last 12 months to ensure this event will set the standard for Pool in Australia, taking it to newer and higher levels in terms of professionalising and expanding the sport.. Tournament Director Arthur Titus confidently says "the Pockets Pro Series 2022 will be the biggest event in Australian history, not only because of the Top 8 best players or the prize money, but because of the incorporation of the entertainment factor as well as a professional feel from the lights, cameras and commentary, etc" On the 30th/31st of January this statement read true as thousands tuned in world wide to watch series 1 & 2 both on the online streams and by purchasing tickets to enter the venue... There has never been a better time to be playing 8 ball pool, let alone Pool in general as seen overseas with companies like the Ultimate Pool Group and Matchroom Pool leading the charge to a new era of Cue Sports.

POCKETS Pro Series Championships 1 & 2 did not disappoint.. bringing with it opening speeches, dancers, singers, national anthems, drummers/ marching bands, dj's, lots of Pool, a great atmosphere, thrilling matches and nail biting intense tie breakers.. Event 1- Michael Scerri and Steve Woods both starting the series off on the right foot securing their spot in the first PRO series final and giving everyone a match of a lifetime to remember.. a race to 7, Michael on 4 and Steve missing the black on 6 that could of secured him the win.. Michael didn’t give up without a fight, only minutes left on clock, he takes it back to 6 - 5, leaving him only 30 seconds to run the rack to secure the tie, taking it to a 6 red shoot out... with only 1 second difference deciding the final winner... Steve Woods took home the $7000 and the first PRO series trophy.. Event 2- finds Steve Woods in the final again this time coming up against James Delahunty in a race to 6, Steve leads the scoreboard again with a massive 5 – 1 4 frame gap, however manages to let james in with a final chance and James Delahunty confidently takes it, he manages to come back, winning the next 5 frames and flipping the score around, taking home event 2s prize money and trophy... Incredible to watch... well done and good luck to all 8 Pros for future events. Johl Younger, Rusty Wheeler, Justin Sajich, Steve Woods, Ben Nunan, James Delahunty, Marc Robertson, Michael Scerri. This Pockets Series is merely the start to something great in Australia, with plenty of traction this event is getting, the likelihood of commercialising the Sport isn't now a case of how, but when! The series has been endorsed by the Australian Eightball Federation as well

as the Vic Pool commitee, ensuring the road to growth and expansion is guided by the proper governing bodies. How can anyone not admire the determination, heart, soul, strength and sacrifices Arthur Titus and Felicia Chong have made over the last 12 months and will continue to do so while endeavouring to not only achieve their personal goals of evolving pool in Australia but to aim to financially reward these professionals and soon to be more for all the years of practice and dedication behind the scenes that has got them to where they are now... Battling it out over 5 weekends for $126,000... Who will win the next 2? For more information or to purchase the full series pack and watch the streams go to https://www.pockets.com.au/ FEBRUARY 2022 | FIND MAROONDAH

FEBRUARY 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

Religious Groups and Churches

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

Services

Hope City Church About us

• English Sunday 10am

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

• Karen Sunday 1pm

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

• English Sunday 6pm

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

Transform Pastor - Ben Dickson

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

Community Engagement - Gitta Clayton

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

Children's Co-Ordinator - Meagan Dickson Youth Co-Ordinator - Mat Weller

6 Bemboka Rd, Croydon Hills VIC 3136, Australia

lives through energetic praise and intimate worship.

Our Online Services Sunday 10am and 6pm. 51 Lusher Rd, Croydon VIC 3136

+61 39876 4503 | 0405 507 118

+61 39761 6778

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

Ringwood Church of Christ

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

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

Canterbury Gardens Community Church Our Mission Why do we exist? We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

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

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

FEBRUARY 2022 | FIND MAROONDAH

Religious Groups and Churches

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

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

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

FREE ADVERTISING Religious Groups and Churches

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

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

•

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

0417679682 (03) 9876 2600

Send us your: Services Times

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and we will do

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Birth, Deaths & Marriages FEBRUARY 2022

FREE Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! Maroondah 1300 88 38 30 editor@findmaroondah.com.au

FEBRUARY 2022 | FIND MAROONDAH

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Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

LOCAL COUPONS

28 February - 28 February 2023

Up to 50% of generated funds goes to Not-For Profit organisation.

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findmaroondah.com.au/register Please refer to Page 82-83

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH Casalinga

001

Bedford Coffee Co.

005

CARD NO.

PAGE NO.

COMING SOON

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY Casalinga Vulcan Pizza Sofia Croydon Bedford Coffee Co.

001 002

71 71

003 005

71 71

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL

FIND DINING Casalinga

001

Sofia Croydon

003

The Quiet Vegan

003

Dining

Part of the secret of success is to eat what you like and let the food fight it out inside. FIND ADVERTISING COUPONS editor@findmaroondah.com.au 1300 88 38 30

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Brekky, Brunch & Lunch The best memories are made when gathered around the table

FIND ADVERTISING COUPONS editor@findmaroondah.com.au 1300 88 38 30

NEW OFFERS COMING

FEBRUARY 2022 | FIND MAROONDAH

Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

FIND ADVERTISING COUPONS editor@findmaroondah.com.au 1300 88 38 30

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Takeaway

You don't need a silver fork to eat good food

FIND ADVERTISING COUPONS editor@findmaroondah.com.au 1300 88 38 30

FEBRUARY 2022 | FIND MAROONDAH

NEW OFFERS COMING

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NEW OFFERS COMING

FEBRUARY 2022 | FIND MAROONDAH

Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findmaroondah.com.au 1300 88 38 30

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Find Coupons & Find Cards Policy Any changes or updates to these ‘Terms of Use’ of the Find Cards and/or Find Coupons can be found here. Non-Transfer

Valid Periods

The barter trade, sale, purchase, or transfer of the Find

Find Restaurant, Find Cafe & Find Coffee offers can be

Coupons &/or Find Cards, by any person or entity,

used at participating businesses any time except the

including but not limited to business placing offers in

following days: *Christmas Eve *Christmas Day *Boxing

the Find Paper, printers, publishers, and distributors

Day * New Year’s Eve *New Year’s Day * Valentine’s

of the Find Coupons /Find Card, is strictly prohibited,

Day *Good Friday *Easter Sunday *Mother’s Day.

unless expressly authorized by Find Pty. Ltd. Find

Some restaurant/Cafe/Coffe establishments will have

reserves the right to make changes to the participants

additional terms and conditions on the page where

and their offers at its sole discretion. Members will be

the business is advertising their offer).

notified of these changes via email or via the Site.

Present Find Card

The Find Coupons and its Offers are intended for the

You are required to present your Find Card at any

non-profits use of the individual purchaser of the Find

participating businesses if you wish to secure the

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

discount or goods/service being offered.

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

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2022 Find© Pty Ltd.

Maroondah FEBRUARY 2022