Find Maroondah - January Edition 2022

Maroondah The

JANUARY 2022

WHAT’S INSIDE: 04

LOCAL STORIES

06

COLUMNIST ARTICLES

25

TAX UPDATES

28

REAL ESTATE - RENTAL LISTINGS

36

MAROONDAH COUNCIL NEWS

56

FIND FAITH

58

FIND BIRTH, DEATHS, & MARRIAGES

60

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on Page 04

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JANUARY SPONSOR

JANUARY SPONSOR

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

EDITOR | WRITER

SUSAN PIEROTTI

CRAIG ANDERSON

MORTGAGE BROKER

LACTATION CONSULTANT

REECE DROSCHER

JOANNA STRYBOSCH

OCCUPATIONAL HEALTH & SAFETY

NATURE & CONSERVATION

MARK FELTON

LIZ SANZARO

SOLICITOR

MARKETING CONSULTANT

?

?

Are you our next Solicitor?

Are you our next Marketer?

CLUB SPONSORS EASTFIELD CRICKET CLUB

JANUARY 2022 | FIND MAROONDAH

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About the Find Maroondah

By Warren Strybosch

The Find Maroondah is a community paper that aims to support all things Maroondah. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Maroondah for Free.

We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.

We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.

To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists.

Without their support, we would not be able to provide this community paper to you.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years.

Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating.

Our fundraising initiatives will never simply ask for money from you.

We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised.

Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

Follow us on facebook (https://www. facebook.com/findmaroondah) so you keep up to date with what we are doing.

We value your support, The Find Maroondah Team.

Maroondah The

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

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

ALL THINGS MAROONDAH

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

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

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

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DISCLAIMER

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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 Tuesday February 8, 2022. Advertising and Editorial copy closes Friday February 4, 2022.

JANUARY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JANUARY 2022

By Warren Strybosch

With 2022 now upon us, we have been looking forward to leaving 2021 behind and hoping to hear less about Covid and more about businesses beginning to thrive again, people enjoying their holidays, and everyone being allowed to have the freedoms they once had before.

Ironically, I am writing this article as I sit in my caravan whilst the rain comes pummeling down, with the caravan fridge not working, the battery getting very low, and many other families having already packed up and headed home; shortening their summer holiday.

I then listen to the news and hear all about the spread of Covid across the country with daily stories of people I know getting Covid, local business suddenly closing their doors because one of their staff or customers having Covid, and watching people start to get nervous about these new strains and the rapid spread that is occurring.

findmaroondah.com.au

New Year: A New Start was feeling sore at the time. The person was not trying to be mean or nonsympathetic to my plight, but was, in their way, trying to get me to see that I was still very fortunate.

This period will pass, and things will get better. For 2022, I hope your business thrives, your relationships flourish, and you find joy in the day to day. That is my hope for you all.

To top it off, I sit here with a likely torn rotator cuff and swelling down my right leg. This might have something to do with me falling off my mountain bike twice on a mountain bike trail I have down several times before.

I still have a job, my wife and three teenage kids, whom I love, can still put up with me, we have a house over our heads, good friends around us, good staff in the business, and no one in our family is suffering from any major illness or injuries. Overall, I am very fortunate.

Not exactly the 2022 start I was looking for, but you know what, “it could be worse”. That is exactly what someone said to me when I was feeling sorry for myself…I had an excuse…my shoulder

I share my situation with you in the hope that, whilst some of you are experiencing difficulties right now and may not know what the future holds, to not give up.

During 2022, we will try and provide some encouragement and hope through our articles and stories. If you would like to contribute a story to the Find Maroondah this year that you believe will be of interest or encouraging, please send your submissions to editor@ findmaroondah.com.au.

I hear of friends leaving Victoria and moving to Queensland or WA, with the hope that they will have a better lifestyle in those states than our own.

WE ARE MOVING! New Location: 36-40 New St, Ringwood, VIC 3134

From the Find Maroondah team, we wish you all the best for 2022.

Re-openning on 10th of January

JANUARY 2022 | FIND MAROONDAH

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Recollections of Early Heathmont HERITAGE & HISTORY

By Russ Haines OAM

John Shum wrote this small recollection about his visits to Heathmont, well before the area was coined “Heathmont” in the early 1920s. In fact, it could be highly likely that Frank Walker or his artist wife, Henrietta, called the area around his“Wombolano” hill of trees and flowers,“Heathmont”.

My first introduction to Heathmont was in 1914, when my father took me on the first of many visits to a large property owned by Mr. Frank Walker, known as "Wombolano" at the junction of Canterbury and Bedford Roads.

On entering the long drive we were met by a yapping, excited pack of Australian terriers. Not an aggressive bunch of small dogs, but a welcoming accolade.

By the time we had been escorted to the rambling old timber house, Peter, as he was known to his friends, emerged to greet us, and having walked from the Ringwood Station, we appreciated a cup of tea and biscuits. There were lovely old willow pattern china cups and saucers, beautiful in design, and in keeping with the very old and well-worn kitchen utensils.

We were then taken on a tour of the residence, finishing in comfortable old chairs on the north porch, which had been extended and enclosed with fly-wire and was the chief living area, capturing the sun nearly all day long.

Frank Walker married Henrietta McGowan, who fitted into the surroundings and took up bark work.

The stringy bark trees supplied the main material, and the reeds, also from the property, were the sewing thread. Henrietta made up her own stains and turned out mats, bowls, and all sorts of baskets, which she readily disposed of in a small shop in Regent Place, in the city.

The old house was extended under Frank's direction, by any of his friends who could use builders' tools.

W h e n e v e r a brick chimney in the district was demolished, the bricks were snapped up and used for fences, retaining walls and garden edges. Second-hand windows, doors and timber were gathered in to push out walls and enlarge windows and form arches, making wall space for his collection of pictures.

Seldom a week passed without a visit from friends, and the useful ones were bedded down for the night to extend the hours for working on the current project.

One of the last interior jobs was to cover the rough floors with jarrah parquetry laid over the old flooring, converting a very ordinary floor into a beautiful polished expanse, covering a "multitude of sins".

Gradually all the interior walls were lined with timber of one sort or another. Half inch hardwood or three ply, but certainly no plaster.

Every inch of wall space from floor to ceiling was covered with pictures, among them many wellknown Australian artists. There were oils, watercolours, etchings and drawings in all sorts of finishes, and glass cabinets filled with treasures.

The strange thing was that everything blended into one charming display.

The immediate precincts of the house were enclosed with a four foot brick wall, including a handsome wrought iron gate, found in a wrecker's yard, of course, the opening made to fit the gate. O n e section of the enclosed area included low walls, lily ponds, and low wide steps leading to a large pergola formed with poles off the site. All the paths were of

cream rough gravel (Lilydale toppings).

In the early twenties, Frank purchased three adjoining old wooden cottages in Darling Street, South Yarra, which he converted into what every Melbourne dweller knows as "9, Darling Street". Under his watchful eye emerged a building that could be used to entertain two hundred guests, or an intimate little party of thirty or forty. His artistry was expressed not with thousands of pounds worth of curtains and elaborate furniture, but with bowls of leaves and flowers which he brought down by train from Heathmont every day.

As one burst of good luck, three secondhand large glass chandeliers came into his hands, which cave the entry hall a "million dollar" feeling and a dining area fit for a king.

Frank Walker left part of his property to the Ringwood Council, and it is now known as "Wombolano Park".

Russ Haines OAM PRESIDENT Ringwood & District Historical Society president.RDHS@gmail.com 0418-103-256 JANUARY 2022 | FIND MAROONDAH

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Pedestrians and Forklifts Don’t Mix. OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

Tragically, two workers have recently died in Victoria in separate forklift incidents.

A 25-year-old worker was killed when standing near a forklift being driven on a sloping driveway. The forklift tipped over, crushing the worker.

In a second forklift incident a 49-year-old worker was fatally injured when a large unstable load fell off the fork arms (tines) onto him.

Pedestrians make up almost half of all people injured by forklifts. The most common forklift-related injury sustained by pedestrians is crushing. Pedestrians have also lost their lives or sustained traumatic injury when walking across forklift travel paths, doorways or from behind palletised goods or being hit by objects falling: • • •

during the loading and unloading of trucks from an unstable load handled by a forklift from forklifts carrying long, awkward shaped and unbalanced loads

Forklifts are a hazard and, where reasonably practicable, should be

eliminated from the workplace, or substituted with other suitable load shifting equipment. If this is not reasonably practicable, the risks associated with using forklifts must be reduced, using engineering or administrative controls, such as traffic management plans (TMPs). TMPs are the key to separating forklifts from pedestrians, including truck drivers.

An effective TMP can include a range of controls, including: • • • •

pedestrian and zones reduced speed (smart forklifts) halos signage

forklift limiting

exclusion devices

Everyone at the workplace, including visitors, must be advised of the site's TMP. Once risk controls are in place they must be regularly reviewed, especially when an incident occurs or there is a change in work practices, and revised where necessary in line with regulation 121 of the Occupational Health and Safety Regulations 2017 (OHS Regulations).

Pedestrian and forklift exclusion zones can incorporate: • •

safety zones for truck drivers fixed safety barriers

• inward opening gates at pedestrian crossings • containment fences • clearly marked aisle ways, travel paths and pedestrian crossings If separation by fixed barriers is not reasonably practicable, ensure pedestrians stay outside the advised three metre exclusion zone and do not interact with the load during forklift operations.

Do you or someone you know need help in understanding and Identifying hazards associated with forklift use, and developing control measures?

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 to reduce risk.

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.

JANUARY 2022 | FIND MAROONDAH

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Tips for clear communication

ACCREDITED EDITOR

By Susan Pierotti

We’ve all heard of the Charge of the Light Brigade. It refers to the slaughter of an English brigade in the Crimean War of the 19th century.

Did you know they all died because of poor communications?

The Crimean War Let’s backtrack a bit. Russia throughout its history has sought a warm water port for its fleet and for essential supply chains, preferably one linked with the Mediterranean Sea. In the 19th century, Russia was expanding its territory across Asia and Europe while its neighbour, the Ottoman Empire in Turkey, was slowly but surely disintegrating. Russia thought to expand into the Black Sea and used the Crimean Peninsula as its diving board into warmer climes.

Turkey asked Great Britain and France for help against the invasion, which is why, on a late October day in 1854, the British, French and Turkish armies stared down a valley at their Russian enemy.

There were only two mounted brigades, one of which was the Light Brigade. As the name suggests, it consisted of light, fast, unarmoured horses and men armed with lances and sabres, but no guns. They were trained and armed for maximum mobility and speed, not a long march or a hand-to-hand battle.

What was that again?

Lord Raglan commanded the entire army. Lord Lucan had overall command of the cavalry units and the Light Brigade was commanded by Lord Cardigan.

Lucan and Cardigan were brothers-inlaw—and they hated each other.

The problem began when Lucan received a message from Raglan stating:

Lord Raglan wishes the cavalry to advance rapidly to the front, follow the enemy, and try to prevent the enemy carrying away the guns. Troop horse artillery may accompany. French cavalry is on your left. Immediate.

The Russians were attempting to take away the huge guns up on the hilly rise. What Raglan didn’t realise was that Lucan couldn’t see them. He was down on the flat plain and the only Russians he could see were ahead of him, massed for battle and armed with rifles but with no big guns.

To make matters worse, the message had been drafted by someone other

than Raglan and delivered by another who, when asked by Cardigan which guns, pointed to the wrong ones!

You want me to do what?!

Cardigan could have asked for clearer orders but that meant having to swallow his pride and ask Lucan for clarity.

Instead, he obeyed the orders and rode in front of his 670 men down a narrow valley flanked on three sides with enemy fire. Lucan never sent the promised horse artillery, thereby sealing the fate of 118 men, with 127 wounded and 335 horses destroyed.

Lessons learned How does this apply to our 21st-century lives? No matter who you are, there are many times and situations where you will need to send a precise, unmistakable message. A parent emailing the school principal about her child being bullied, a business owner sending a final warning to an employee, a warehouse manager ordering supplies – all require the art of clear communication.

If you want to send a message that cannot be misinterpreted (especially one that could save lives!), don’t: • • • •

get someone else to draft it assume the receiver will have all the information you have give someone to deliver it who gives the wrong information trust that people will overcome entrenched hostility to one another for the common good.

Clear communication is vital in this age of fast internet access.

A few helpful tips: • If you are feeling emotional, scribble your first draft with pen and paper, then tear it up. Drink a glass of water, breathe deeply, then go to your computer and start typing.

• Show someone else what you’ve written. Accept that you may have left out stuff in your haste to get your thoughts down.

• Your reader will respond better to your showing them what the issue is with some offered suggestions on how to solve it, rather than outpourings of how it has affected you emotionally.

• Read through everything you’ve written before you click the send button.

In fact, why not seek out a writing professional to assist you with all your communication needs?

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

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au JANUARY 2022 | FIND MAROONDAH

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Handy Household Uses For Coffee COMMERCIAL COFFEE MACHINE

By Ivana Smith

If you’re a coffee lover and would like to care for the environment, coffee grounds are the perfect ‘green’ answer.

Throw out your chemical cleaners and embrace versatile coffee grounds! There are probably as many uses for coffee around the home as your imagination can think of. Here are a few ideas to whet your creative appetite.

Air freshener Food, pet odours, sweaty work and sports clothes, shoes – every home has obnoxious smells at some time. The good news is there’s no need to buy an air freshener.

Coffee grounds soak up all the odours around them. This is why fresh coffee beans need to be tightly sealed after each use. Dried coffee grounds are another matter.

Put used and dried coffee grounds in a bowl or open jar and place it in the offending room. For your shoes and wardrobes, hang an old stocking, sock or cheesecloth filled with dried grounds and tie up with an elastic band. The smells will disappear to be replaced with the fragrant aroma of coffee. Delicious!

unwanted odours. Neutralize smells in the microwave by combining 2 tbsp of grounds with 1/2 cup of water, then heat for less than a minute.

De-flea your pets Fleas are a common problem in household pets and treating them can be costly and time-consuming. Many of the flea-removal products on the market contain harsh chemicals and can produce unwanted side effects.

Drain cleaner Is your drain smelling a bit whiffy? It's easy to fix with the help of leftover coffee grounds. Toss a couple of tablespoons of coffee grounds down the drain, followed by two drops of soap and a kettle full of boiling water. This breaks down the grease, and cleans the pipe, thereby reducing the smell. Don’t do this more than a couple of times per month so you can avoid accidental clogging.

Unlike Melburnians, fleas don’t seem to like coffee! Simply rub dried coffee grounds throughout your pet’s fur after shampooing, then rinse them off and allow your pet to dry as usual. (Be aware that coffee grounds can be toxic to dogs if consumed.)

However, if this treatment does not work, take your pet to a vet.

Deodoriser Food such as blue cheese, overripe vegetables and fish can leave unpleasant lingering smells. A small jar of dried coffee grounds on a shelf at the back of the fridge will absorb those

You can also insert a small open bag of coffee grounds in your rubbish bin to minimise garbage smells.

Cleaner Say goodbye to harsh chemicals! Use coffee grounds to clean things around the kitchen such as pots and pans, dirty dishes, sinks, stove tops and cooking hobs when they are becoming grimy.

Make sure whatever you’re cleaning won’t get stained by the coffee. Place a few teaspoons of coffee grounds on a cloth and scrub the surface with the grounds to scour grease and grime away. Rinse thoroughly once the grease and grime have been removed. Coffee

is a mild abrasive so scrubbing your cookware with it won’t scratch it.

Dark wood furniture stainer If you have furniture with scratches or scuffs, there’s an easy way to mask the damage. Most staining solutions use toxic materials. Coffee grounds are just as effective while being entirely natural.

Mix coffee grounds with warm water, dip a cotton swab into steeped coffee grounds and dab on scratches. Wait 5-10 minutes, buff the area with a soft rag and see how it looks. Repeat the process if necessary. It is best to first test on an inconspicuous area before applying to the visible parts of the furniture.

Hand cleaner Who loves the smell of chopped onions or garlic on their hands? No one! Instead of reaching for the hand cream or soap, try rubbing your hands gently with dried coffee grounds. This will eliminate those smelly odours and exfoliate them at the same time, leaving them smooth and soft.

For advice on coffee and how to supply it to office spaces, workplaces and clubs, contact Ivana at ivana.smith@ xpressodelight.com.au.

JANUARY 2022 | FIND MAROONDAH

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Heatherdale Trees:

By Elwynne Kift

THREE GENERATIONS OF HEATHERDALE RESERVE!

HISTORY

IN

We met Harry Scoble, a former resident of Mitcham having a stroll the other day at Heatherdale Reserve. Harry is turning 90 in January in next year! He told us of the history of living on the Reserve going back to the 1930s.

Harry and his wife, Wilma, rented a bungalow from Murray Jones (an early pioneer of Heatherdale) on the West side of Heatherdale Road opposite the General Store owned by Alice Jones (now Micheles Pizza).

Later, harry recalled moving from the bungalow with his wife to her parents house at Heatherdale Reserve off Purches Street, this house was owned by the Findlays (his wife's parents) Wilma grew up in this house from the age of 4.

Harry and Wilma had their first and only child, Allan, while still at this house, in 1954.

Harry showed us a row of cypress trees which were planted along the driveway off Purches Street. These trees are still on the reserve. There was walking access via a track to Heatherdale Road.

Harry's parents in law planted a tree on their land with the birth of each of their children, six in total. These trees included Pin Oak, English Oak and Mulberry and Crab Apple trees.

The area where the the house and shed was (now demolished) is still well preserved as green open space as part of Heatherdale Reserve.

There still exists a large Eucalypt tree with a branch that was used for a swing by the six Findlay children.

JANUARY 2022 | FIND MAROONDAH

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3 Cool Tips For Your Home Over Summer ARCHITECT

By Kathy Ismail

With the La Niña climate pattern affecting the holiday weather across Australia this summer, we might not have as many super-hot days as usual. Nevertheless, the occasional day over thirty may see you scurrying for the air conditioner’s remote control.

While air conditioning is a blessing, it tends to fill the home with undesirable chemicals, can affect people with allergies badly and is massively expensive to run. What if there were other ways to keep you home efficiently cool?

Here are three tips for living in your home with a comfortable room temperature throughout the long summer days and nights.

1 Curtains and windows Windows draw in heat from the sun. The best insulator for windows is double glazing or proper sealing. If that’s out of your budget or your plans for now, the next best option is triple-backed curtains.

Something as simple as installing heavy curtains can make a massive difference between enjoying your space and sweltering in it. Triple-weave curtains not only look good, as they drape beautifully, but they have the ability to drop the temperature in your room during hot weather. They are made with three tightly interwoven layers, the one in the middle made of a black thread that blocks sunlight and heat.

Triple-weave curtains come with other great advantages. They are mouldresistant, they act as a great fire-retardant and they filter outside noises. They are also easy to care for – just pop them in the washing machine, hang them out to dry, press them with a cold iron if necessary, then re-hang them in the room.

Keep them drawn during the hottest part of the day, only opening them again when the sun has shifted away from the windows. You will notice a marked decrease in heat in your home.

2 Insulation The ability of insulation to control temperature in buildings, especially in the ceiling–roof space, was recognised well before the Pink Batts scandal of the

government was installing the batts was to help people reduce their power bills by saving on energy consumption – a good thing.)

Insulating one’s home contributes hugely to warmth in winter and cooling in summer, as anyone who has lived in a home without insulation knows!

Insulation also prevents mould and damp from permeating your home.

Did you know that the floors can and should be insulated as well? This is not an issue for more modern homes built on concrete slabs, but for homes constructed in the ’70s and ’80s built on wooden stumps, floor insulation is certainly worth considering.

Does the idea of emptying everything out of your home and lifting up the carpets and every floorboard make you shudder? Why not talk with an architect about this, as they will have many ideas on how this can be accomplished with your existing flooring arrangements.

3 Eaves When you think about it, a house without eaves is really like person without eyebrows. Our eyebrows aren’t just decorative, just there to give our faces some sort of definition. They actually provide several useful functions, as do eaves. Our eyebrows protect our faces from sweat as eaves protect a

home from rain. They prevent our eyes being filled with dirt as eaves prevent dirt and dust from entering our homes. (Just think of all the garden rubbish our eaves collect!)

Eyebrows and eaves both protect our eyes (and homes) from glare and heat.

In the summer months, the angle of the sun is higher and the temperatures are hotter, but the eaves prevent that light and heat from penetrating your home.

Eaves are an important home feature in the quest for cooler temperatures. If your house has narrow eaves that you wish to enlarge, you can do this after applying to your local council for permission to extend them. However, it is quicker and better to ask an architect to do that for you as they are more experienced with council applications and their authority will carry more weight.

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

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

JANUARY 2022 | FIND MAROONDAH

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SMSF: Where is your trust deed and is it up to date?

ACCOUNTANT

By Warren Strybosch

For Trustees, it is important to make sure the original trust deed is kept securely and updated when new superannuation laws change; especially where those laws will have an impact on the decisions made by the trustees of the fund.

A recent case, Jowill Nominees Pty Ltd v Cooper [2021] SASC 76, has highlighted the importance of ensuring that original trust deeds are kept securely, read and complied with.

As highlighted in Jowill, one of the key duties of the trustee is to know the terms of the trust deed and keep the original signed trust instrument safe and secure.

If the trust deed is lost, it is very difficult for the trustee to discharge their duties.

The duty in this regard is heightened for SMSFs given the interplay of the concessional taxation regime and the legislatively mandated rules around membership and trusteeship. These risks are magnified if, as a further example, it is the trust deed of a related unit trust or limited recourse borrowing arrangement that is lost.

Lost trust deed If a trust deed is lost and reasonable searches and inquiries had been made with all relevant persons, legal and accountancy firms and 3rd party authorities that could have been expected to hold a copy of the trust deed, without success, the trustees might be able to relay on ‘secondary evidence’

to prove the existence of a trust. However, the secondary evidence must be clear and convincing evidence not only of the existence, but also the terms of the trust.

Secondary evidence For a court to be satisfied the secondary evidence is suitable, the text of the missing document must be able to reproduce the trust in full (see for example, Barp Nominees Pty Ltd [2016] NSWSC 990) and there needs to be evidence to satisfy the '3 certainties of a trust', that is: a. the identity of the beneficiaries; b. the property the subject of the trust; and c. the nature of the trust (i.e. whether fixed or discretionary or an SMSF).

Often, the information falls well short of producing the full contents of the trust deed and could not be relied upon.

Failure of trust It is a timely reminder for all trust and SMSF advisers that the obligation to act in strict conformance with the terms of a trust deed is perhaps the most important duty of a trustee.

Where, the deed has been lost, a trustee cannot discharge this overriding obligation and will be held to be acting in breach of trust.

Therefore, if the trustee continued to deal with trust assets and administer the trust, they would effectively cause further breaches of trust, and this could lead to further sanctions. As an example, if a trustee were to make distributions, in the

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absence of a trust deed, this would be a clear breach of duty.

Keeping it up to date Not only should the trust deed be read and heeded, it also should be kept up to date. Given the trust deed governs the operation of the Fund and provides guidance to the trustee as to the particular actions they can undertake, it is extremely important to ensure that the Trust Deed remains current and that the Trustee has the authority under the Trust Deed to act to the extent permitted by the legislation.

There are numerous instances of when trustee actions have not been permitted due to an outdated trust deed. If the Trustees were to undertake such actions without the authority of the trust deed they could risk, to name a few: • •

•

Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions; Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed; The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

Conclusion Trustees have a duty to account to the beneficiaries of a trust. Having a trust deed in place, that has been read, as well as the terms of the deed being heeded, provides a good starting point to avoiding many of the breaches that might otherwise occur.

A trustee needs to discharge its duty by ensuring that the original trust deed is kept secure, but also read; and complied with. Lastly, the trustee needs to review the trust deed to determine if the trust deed needs to be updated to allow them to perform the actions required of them.

At Find Accountant, we provide SMSF tax advice. Our senior accountant is also an award-winning financial advisor. If you require SMSF advice or are considering

WARREN STRYBOSCH

whether or not to wind up your SMSF, then speak to Warren Strybosch at Find Accountant Pty Ltd.

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

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

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

doesn't mean they are not making waves. Meet our Power 50.

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Never Assume GENERAL INSURANCE

By Craig Anderson

Different insurers have different wordings for their policies. Many will add very particular endorsements to their policy wording; either to extend cover, or to remove some aspect of cover. Therefore, it would be foolish to assume that the policy will meet your needs based on price alone. Yet many people assume all policies function in an identical manner, and that the only difference is price.

If you were to assume, for example, that a Business Pack Wording from one major insurer is identical to a Business Pack Wording from another major insurer, you would be wrong. If you think that different policy wordings from two insurers will give identical responses to claims you would also be wrong. It does not follow that if one policy covers something then the other must also cover it.

How do you know if your existing cover is actually right for you? You could scour through the multiple offerings in the market and establish what suits you best, or you could ask a broker to do the legwork for you. However, if you

are the type to take all of your advice from your neighbours while watching them cremate some sausages on their barbeque, then I suggest you rethink your approach.

There is no “magic bullet”. However with some good advice, the risks which cannot be covered under the policy, may be possible to manage out of the business.

Understanding what an insurance policy contract is designed to achieve will help you understand the limitations of what can be covered. This can take considerable some time and effort. If you have neither the time, nor the inclination to read through and understand the documents, it may be time for you to engage a broker.

For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au

If you have a discussion with a broker about your business, and ensure they have a good grasp of where your risk exposure comes from, you stand a very good chance of putting an effective policy in place. Foreseeable risks can be covered, however no policy is perfect.

Elective Surgery Wait Lists to Increase

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

By Warren Strybosch

Public and private hospitals have temporarily reduced elective surgery to urgent procedures as the number of COVID patients increase. For the time being, hospitals across the state are only performing emergency or elective surgery procedures.

The reductions will apply to many private hospitals and not just restricted to public hospitals. It is hoped that these restrictions will reduce the strain currently being placed on the hospital system as the Omicron strain continues to spread rapidly throughout Australia.

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How To Set Yourself Up For Success In 2022 BOOKKEEPER

By Neha Nayyar

Well 2021 is finally behind us, hopefully 2022 can only bring us bigger and better things. For many people, January is the perfect time for reflection on the year that was, and goal setting for the future.

Setting yourself up for success this year shouldn’t be hard or overwhelming. Here are some simple ideas to get started.

Ensure you are on the cloud As technology rapidly advances, it is more important than ever that your business is keeping up. Touch of button reporting, fast payments, invoicing, and payment gateways all help us do business better and faster. Customer expectations are high where technology is concerned, don’t get left behind. If cloud accounting seems overwhelming, talk to a trusted bookkeeper or accountant about your concerns, I am sure they can out your mind at ease.

Leave it to the experts Times have changed, as a business owner, you no longer need to ‘do it all’. There are so many outsourcing opportunities for you to make the most of. By looking into outsourcing, so you will see just how affordable these options may be for things like bookkeeping, marketing, recruitment, event management, admin… etc. Don’t let the word ‘outsourcing’ put you off, think of getting your taxes done by an accountant, that is outsourcing. Ask around, I think you would be surprised at how many business owners outsource many of their tasks, leaving them more time to do what they love- whether it is building their business or spending more time with loved ones.

Use downtime for training When you have downtime in your business, use it to invest in yourself. This is so important and one thing that constantly gets overlooked by business owners. With the online world we live in, “training” is not what it used to be, you no longer need to set aside days and pay big dollars for facilitated training sessions onsite. There is plenty of free training and upskilling out there- start by looking on LinkedIn for free courses, and there are also plenty of paid online courses for whatever niche your business is in. Check out the reviews to make sure they seem suitable and go and learn new skills.

Choose courses or training that interest you and that will assist you in building your business.

year? By having an expert eye look over your books for a reasonable fee, you can start the year knowing you are on a solid path to growth. By ensuring you have everything in order and the best systems in place, you know you have a great base, and the figures are then one less thing you need to worry about.

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 about our Health Checks. 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.

Neha Nayyar Bookkeeper Get your books looked over Are you sure you are on track? Same old spreadsheets being used year after

SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

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2022, A SIGN OF A GOOD YEAR TO COME SIGNAGES

By Glenn Martin

Signs guide and inform us about almost everything. From roadways to shopping venues to healthcare, education, and houses of worship to sports and entertainment venues, we rely on signs to help us navigate our lives. Every business needs identifiers to advertise their location, their hours, and special events. Sign products abound for exteriors, interiors, windows, walls, and even vehicles for new businesses desiring to attract customers for the first time, as well as established businesses that want to update their brand message.

Many considerations revolve around what type of sign products work for your business. For the exterior of your business, in terms of standing out in a crowd on a busy city sidewalk or attracting attention from vehicle traffic or pedestrian passers by, Signarama’s exterior sign products include: • Building Signs – Sophisticated dimensional lettering, LED lightboxes, and back-lit LED signs add a layer of professionalism to your signage and get noticed day or night. Digital displays can be programmed to advertise specials and updated information for clients and passersby.

• Freestanding Signs – Elegant monument signs mark entrances in high style. They’re constructed to coordinate with your building’s exterior in carved and sand-blasted finishes. Post and panel signs can make a huge visual impact and businesses can save some money by changing just the faces of their signs from time to time.

• Awning Graphics – Stylish and eyecatching, awning graphics punch up your company’s advertising potential and visual impact in a unique way that may work well with your building’s architectural style.

• Flags and Banners – Feather and teardrop flags advertise your location with motion that gets the attention of passers-by, as do sophisticated vertical banners and eye-popping horizontal banners. These can be custom designed to suit your needs and made of various materials.

• Vehicle Graphics – Fleet graphics, vehicle wraps, decals, custom lettering and magnetic vehicle

Wall Graphics

Vehicle Graphics

Window Graphics

Building Signage

Freestanding Signs

A-Frames

signs add effective exposure for your business as mobile billboards everywhere you go and everywhere you are parked.

Interior signage sets the tone for all who enter your business and can add a unique WOW factor to your interior design.

Signarama’s interior sign products include: • Dimensional Lettering – Back-lit channel lettering enhances your brand image on walls, in foyers and reception areas, making a huge first impression.

• Window Graphics – Turn your storefront or office front windows into a powerful marketing tool with etched and frosted glass looks or create some privacy with seethrough perfs for your windows that don’t compromise your natural light.

• Wall Graphics and Murals – Enliven empty wall space with Signarama murals and wall graphics featuring bold logos and hi-res images in your lobby, fitting rooms, break room,

hallways, or even in your conference rooms.

• Floor Graphics – Vinyl floor decals take advantage of an often overlooked marketing opportunity to advertise or guide customers to your trade show booth or even to a specific sale or promotion in your store.

With many years’ experience in the field, Signarama are able to work with you to design, manufacture, install your signage, offering innovative solutions for all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, visit our website or simply call 1300 633 902 to get in touch with our team of experts today.

Glenn Martin mitcham@signarama.com.au

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RAT in demand but States are responsible for supply

By Warren Strybosch

The undersupply of Rapid Antigen Test (RAT) kits is causing frustration and concerns for many business owners and consumers alike. With PCR sites turning away people from as early as 4.30am in the morning, everyone is struggling to know how to move forward.

What makes matters worse is that the RAT kits are only free to those who have a Commonwealth seniors health card, a healthcare card, a low-income card, a pension concession card, DVA Gold card or a DVA white card, leaving the rest of Australians having to pay out of their own pockets.

The prime minister announced that anyone selling rapid antigen tests at more than a 20 per cent mark up would be in breach of a biosecurity regulation declared by the Health Minister.

“And that carries a penalty of $66,000 and up to five years in jail,” he said.

“We will include rapid antigen test as those products covered by the export controls that we put in place.”

Mr Morrison said a purchasing restriction of one box of rapid antigen tests per person would be put in place.

The Government is under pressure to provide free RAT kits and more of them. However, it is estimated that it is costing the government $50,000 per person per year to manage the COVID virus. No wonder the government has moved away from government controls to more of a self-managed approach where people are now required to purchase their own RAT kits, and self-isolate for 7-days if the test comes back positive.

Interestingly, it has been heard that the RAT needs to be monitored closely and that at the 15-minute mark, the ‘true’ result will be displayed and after that the RAT test is known to display a negative result even if at the 15-minute mark, the test showed a positive test.

The federal government has stated that the states are responsible for the purchase and administration of the RAT kits.

Also, the federal government has stated that RAT tests do not need to be reported. As per the norm, the Victorian State Government has once again gone against federal government mandates, not only are they complaining they should not be responsible for providing RAT kits (no wonder Victoria has run out), but the state government are insisting that anyone who records a positive RAT result must report it immediately.

Hopefully, the Labor government can find some additional supplies so that business owners and the wider community can get on with their lives.

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Photo credit: Jenean Newcomb vis Unsplashed

Torticollis and Breastfeeding Difficulties LACTATION CONSULTANT

By Dr. Joanna Strybosch

In my private osteopathic and lactation consulting practice I see quite a number of babies who have a persistent head tilt or turn. This condition is called torticollis (latin for “twisted neck”) and most of these cases are what we call congenital muscular torticollis. This means the baby was born with it and its origin is muscular.

When the sternocleidomastoid (SCM) muscle in the side of the neck is shortened, contracted or tight, it produces a characteristic tilt of the head to the affected side as well as a turn away from that side. In some babies, the head tilt component is more noticeable and in others it is the turn. The condition makes it difficult and uncomfortable for the baby to hold their head straight or to turn it the other way.

The cause of congenital muscular torticollis is usually due to the way the baby was positioned in utero. When a developing foetus grows in a restricted position within the confines of the uterus, their head can be abnormally tilted to one side. This persistent position impacts the way the SCM muscle grows and

develops and then after birth the altered tone of the muscle affects its function and we see the characteristic postural changes.

history of difficulty with latching. It is also why I often want to observe and assess a breastfeed when mum reports a head tilt or preferential turn.

Sometimes a baby’s head tilt is not very noticeable at birth, and it is not until the baby reaches a few weeks or even months of age that a caregiver may begin to notice it. However, it can be a missed cause for early breastfeeding difficulties.

As both an Advanced Pediatric Osteopath and an International Board Certified Lactation Consultant (IBCLC), I find combining these two skill sets invaluable in the assessment and management of congenital muscular torticollis and to provide good clinical outcomes.

In order to latch correctly, a baby must be able to position at the breast comfortably. If a baby has restricted movement in their neck from torticollis, there will usually be challenges for baby to turn into the breast on one side and this will manifest as difficulty latching and/or sustaining a latch. Baby may have difficulty latching onto the breast altogether, they may slip on and off repeatedly, they may come off early and cry, or they may tire quickly and stop before they have had a full feed. Baby often has extra difficulty regulating their state, quickly becoming unsettled and overwhelmed at the breast, and unable to relax enough to feed well.

As an osteopath, I usually provide gentle hands-on treatment to massage and relax the tight SCM muscle. I also advise parents on different home-based strategies, such as the best positions to hold baby in while breastfeeding, ways to gently and safely stretch the affected side of the neck and how to use tummy time to effectively assist in the management of this condition. Most babies go on to recover and to breastfeed well.

This is one reason I always assess a baby’s neck during a lactation consultation, and especially if mum describes a

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com

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Christian Super – Must Merge With Another Superfund

By Warren Strybosch

APRA, who regulates superannuation funds, has imposed additional licence conditions on the trustee of Christian Super to protect the best financial interests of the fund's members. APRA said the new conditions seek to address concerns from an APRA investigation into Christian Super's investment oversight, governance and strategic decisionmaking. They are also aimed at rectifying Christian Super's persistent investment under performance, which culminated in the fund's MySuper product failing the first annual performance test.

Under the terms of the new licence conditions, Christian Super is required to implement a strategy to merge with a larger, better performing fund by 31

review with Warren Strybosch, an awardwinning financial advisor and one of Australia’s top 50 most influential financial advisors.

Book a review appointment before the Merge

You can book a phone call meeting time (he will call you) via his Calendly link at: https://calendly.com/findgroup/15minute-phone-conversation. After the meeting you will be provided with a FREE comparative superannuation report to help you decide whether or not to move your superannuation over to another provider.

If you are a member of Christian Super and would like to know where best to move your superannuation before the merge takes place, then consider having a Free, no-obligation, superannuation

Warren Strybosch, an accountant and financial planner, attends One Community Church, has been married for over 25 years, and has been providing financial advice for nearly 20 years.

July 2022. In doing so, Christian Super is required to engage an independent expert to ensure the merger is consistent with its duties under superannuation law.

Rassawatte Tea

By Elwynne Kift

Sometimes curiosity is a good thing!

I have no idea of the history of how I came to have this tea cannister & why.

I was being really well organised, and cleaning cupboards in the kitchen, last November – 2021- when I came across the cannister.

When I was a child, my family used to go to my father's parents farm in- Johnson's Creek, Alexandra. There was an elderly Indian gentleman who used to come with a horse drawn wagon, and sell items to my Grandmother. He quite often stayed the night in his wagon, and my Grandparents would make sure the horse was fed and had enough water. I think I can remember him using the laundry with a big aluminium tub to wash in – because we children were not allowed outside the house during that time.

My memory is that my Grandmother used to buy material from him, and I feel that she may also have purchased this tea. She was a very caring person and would have made sure she purchased something from him.

She no doubt also would have made sure he was fed for dinner. I can't remember those details.

The history of the tea -- (with thanks to the Kiewa Historical Society.)

The cannister contained a blend of Ceylon tea – 1 pound net. The cannister was usually purchased so that the caddy could be used either for tea storage, or for the storage of other kitchen utensils. The agent was W.M. Peterson in Melbourne.

The Peterson building was burnt down in a horrific fire in the early 1900's - around 1930's.

The Kiewa Historical Society mentioned that the tea was widely drunk as the

normal hot drink to have at evening meal or even at “smoko” where it would be had as “billy tea.” (I somehow remember my Grandmother also having Bushell's tea.)

The cannister itself would have originally contained Ceylon tea and is constructed from pressed light steel. It is embossed with the content details and the name of the general tea agent - Rassawatte - The main body of the cannister has been fastened by pressed (not soldered) connections.

Just a bit of light reading!!

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Climate change in action.

NATURE & CONSERVATION

By Liz Sanzaro

The embedded links below are two short videos, that highlight the current situation.

Since the northern hemisphere likes to show us magical pictures of a “White Christmas”, I thought we might like to have a reality check on what our weather is capable of, in changing our ability to live comfortably on our Earth.

In December 2012, yes that is right 10 years ago now, this footage was filmed by two Glacier watchers, to see if they could capture a calving event. So far over 60 million people have watched this climate event unfold. This is what they watched click here.

If you happened to be born as a Pacific Islander, would you be happy to consider leaving your homeland as a climate refugee? This is definitely on the cards for these people, who believe their island paradise should remain liveable.

Another 10 million people have watched what is happening to Kiribati. This video is from a German documentary. To see how they are affected click here.

As adults in the world, it is immensely sad that many of the teens and young folk feel they are being “betrayed” by the current world leaders, that we have previously voted for. A popular saying commonly attributed to one of our cleverest men is … “

In Australia, droughts and flooding rain, as well as more catastrophic bushfires are becoming a more common and severe events, along with howling winds that have toppled trees like nine pins, on more than one occasion this past year.

The whole world is now prone to bushfires which are often started by dry lightening.

Our own country lost 5.5 million hectares in 2020 and another 31 million hectares in 2021, not to mention the wildlife catastrophe that accompanied those fires, or people who died of breathing complications.

As a caring people, that Australians are, if our political leaders cannot vote with their heads and hearts, but have to vote on party lines, then maybe it is time to add more independent individuals whose conscience is the only dictator of their decision making.

Along with making good environmental decisions, independents may also have the qualities of behavioural integrity that seems lacking among our current Parliamentarians.

In a post COVID world, while our regular lives have been disrupted, it can be seen as bad or, as a good opportunity to take steps in a new direction. The World environment is under siege, many of us are hoping that we can use this disruption in time, as an opportunity to find new ways to live. Just choosing to work from home a couple of days a week, will save fuel emissions, and improve air quality.

Bonding with our families in lock down has for some been a real and positive change, if you are lucky, you may know your children better and just maybe they deserve a better climate in which to live and thrive, throughout their lives.

Image courtesy of https://pursuit.unimelb.edu.au/articles/covid-19-is-anopportunity-to-reset-our-environmental-future

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Your New Year’s Resolution Review Your Finances MORTGAGE BROKERING

By Reece Droscher

During the Christmas and New Year period we are focused on spending time with family, perhaps getting away for a well-earned break and preparing to put a difficult 2021 behind us. This time of year is a great time to relax and enjoy being with our loved ones, but it is also a time where a lot of us find ourselves in a difficult financial predicament due to over-indulgence with spending. That’s why the festive season is a great time to review your finances and help yourself into a better position going in to 2022.

I have listed below some areas where taking the time to review your finances could have a major impact on saving you money.

CREDIT CARD DEBT The most common problem we have once Christmas is over is looking at our credit card statement and wondering how it managed to get so out of control.

Should you find yourself in this situation there are a number of potential solutions to help get your credit card debt back under control.

1. Consolidate your credit card debt into a Personal Loan or Home Loan.

By consolidating your debts you will have a set term to repay the amount owing at an interest rate which is generally much lower than what your credit card costs. However this may also mean you are paying the debt back over a long term, so you need to be disciplined to ensure you repay the debt quickly. You don’t want to still be paying off this year’s Christmas presents 5 years from now.

Set yourself a maximum two year term to repay the debt in full.

2. Reduce your available credit limits.

Once your credit card repayment arrangements are in place reduce your available limits to ensure you cannot get yourself into this position again. By having a small limit you will be able to manage the repayments more comfortably and clear the debt without further assistance.

3. Look for balance transfer deals. A number of lenders will offer either low or even zero interest rates on balance transfers of credit card debt. These offers usually come with a time limit to repay the amount owing in full. On the surface this is a great way to manage paying your accumulated debt, however there are potential traps that you should avoid. If you are able to access a balance transfer deal you should cut up the card, so you are unable to use it and add to the level of debt.

You can then set up a budget to repay the amount owing within the agreed term.

AFTERPAY/ZIPPAY ACCOUNTS Many people are unaware that these types of buy now/pay later options come with a credit limit, and also now appear on your credit records. Banks treat them exactly like a credit card when assessing finance applications, so minimising their use will ensure your credit score is not negatively affected.

If you do get into a predicament with these types of accounts then the tips to helping with credit card debt will also apply here.

REFINANCE TO A BETTER HOME LOAN Now is also a great time to review your Home Loan to make sure your lender is providing you with the most suitable loan to suit your needs. During the year we are generally so busy with life in general

that reviewing what is usually our largest expense is put in the too hard basket. By taking some time now to see whether your current Home Loan is the best option you could save yourself thousands of dollars in interest and several years in time taken to repay your loan.

BUDGETING

To avoid getting yourself into a financial predicament in the future set a realistic budget to keep a track of your spending and, most importantly, stick to it. Why most budgets fail is that we place unrealistic expectations on ourselves. By setting realistic goals we are more likely to achieve them. Being consistent and putting smaller amounts into savings on a regular basis is more effective than making larger deposits at random. Your spending habits will also be aligned to your savings goals, but don’t be too hard on yourself if you have a period where you are unable to reach your savings goals due to unexpected expenses.

Things happen.

At SHL Finance we would love the opportunity to discuss your finance requirements with you. Please call Reece Droscher on 0478 021 757 to find out how we could help you save money or improve your financial situation.

Reece Droscher Mortgage Broker SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au

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What age should I retire?

FINANCIAL PLANNING

By Warren Strybosch

Retiring is a big life decision and does not occur overnight. For many it is a thought that usually starts to seriously be considered around age 65 and was likely bubbling from age 55 onwards.

For many the decision when to retire is carefully thought out and planned but for some the decision is made for them.

Redundancy, ill health, losing one’s job, and most recently, deciding not to be vaccinated, may force you to lose your job and/or leave the workforce before you had intended to do so.

We often have clients approaching us as they get closer to age 65 or after they have turned aged 65.

Many people believe age 65 is considered the benchmark age to retire. This is likely due to the fact that for many years you could not receive the Age Pension until you turned age 65. Now that the age pension age has increased to age 66 and by 1st July 2023, the eligibility age will be age 67, it is likely the benchmark age will move from age 65 to age 67; in fact, we are already starting to see this occur.

Australians are very fortunate because there is no legal requirement to stop working. It provides people with the ability to keep working for as long as they want to but for many this is not their desired outcome. Working after age 65 is considered a less than desirable position to find yourself in.

• Preservation age: This is the age when you can access your super provided you have also met a condition of release such as retiring.

Your preservation age is between the ages of 55 and 60, depending on your date of birth. The important point to note is that drawing down your super prior to age 55 comes with it tax implications whereas after age 60, any pension income is taxfree.

Once you reach 65, you can access your super even if you haven’t retired.

Even then, there is no compulsion to withdraw your super – you can leave it untouched for as long as you like if you have other sources of income.

You can also continue making super contributions until you turn 74 (work-test requirements from age 65 to 74 are due to be removed in early 2022).

• Age Pension age: This is the age when you can access a full or part Age Pension. This age will rise progressively to 67 by 1 July 2023.

Accessing your super or the Age Pension is only one component you need to address when considering retirement.

You can still access super and continue to work

Access to super and the Age Pension

After age 58 (moving to age 60 by 2024), you can continue working part time until age 65 and replace some income with a transition to retirement pension. This allows you to preserve most of your nest egg while easing into retirement and do some other things you have been putting off until retirement. We believe it is more important than ever to take mini retirements before fully retiring. Too often, we have seen clients push out retirement and once they finally retire, they cannot fulfil their dreams because one partner has become seriously ill.

Often, the real question they are asking is, “When can I access my super or the Age Pension.” The age rules for each are different, which no doubt causes much of the confusion.

When you stop working after age 60, you can access your super tax free whether you take it in the form of a lump sum, income stream or a combination of the two.

Many people are quite capable of looking after their own finances whilst they are working however, we tend to find that they will start seeking advice in their early sixties or as they approach retirement. They want to answer the question, ‘When can I retire?’ or ‘What age can I retire?’ or “Will I have enough to retire and/or ‘What they should do with my assets, and should I consider placing them into super?’

So, when do you retire?

For many people, a big question is whether they will have enough money to live off when they do eventually retire.

Interestingly, many self-funded retirees end up spending less and going without to try and maintain their capital base because they fear they will not be having enough in their later years, or because they want to live something for their children. Often, when you do the modelling, many retirees could easily spend more and still have plenty left over at the end of their lives.

It is important, before you start dipping into your savings, to think carefully about all the factors that might have a bearing on your retirement finances.

These include: •

How long you might live. None of us knows the answer to this, but your general health and well-being provide a clue, as do population

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•

mortality rates. Today’s 65-year-olds can expect to live to an average age of 84.9 years for men and 87.6 for women, or roughly 20 and 22 years respectively. Many of us will live well into our 90s.

Your retirement income needs.

look at all aspects of your financial situation and provide sound advice you can rely on.

This will depend on the lifestyle you hope to lead and how much it costs.

As a rough guide, the ASFA Retirement Standard suggests a comfortable lifestyle will cost today’s homeowner retirees about $62,000 a year for couples and $44,000 for singles. Contrast this with the full Age Pension which is currently around $37,000 for couples and $24,500 for singles. That’s quite a gap that must be filled by super and other private savings.

a. Cash flow analysis b. Comparing ‘needs’ vs ‘wants’ c. Obtaining Life-time Income Stream (LIS) quotes d. Discussing various income stream models to determine what is most appropriate for you e.g., do you require an allocated pension, LIS, or both? e. Understanding your future goals and needs f. Preparing detailed modelling that covers a variety of scenarios e.g., do you keep the investment property, sell the investment property, downsize, and so on. The modelling will also answer all your questions e.g., how long will my super last, when will I get the Age Pension, what are the tax implications of the choices you make, etc. g. Once the modelling scenario has been chosen and you know what course of action is to be taken, we then provide advice regarding the investments to support your chosen scenario. h. We then implement it all and get you set up ready to enjoy your retirement. i. Every six months we then review your situation to make sure it is still relevant and meets your needs now and in the future.

•

Working out whether you will have enough to retire on or not is crucial before you retire. For many people, doing the modelling, is beyond their scope, especially where property or other income generating assets are involved. It is important to seek advice from a professional financial advisor.

Find the right advice Australians are staying longer in the workforce, a trend that is likely to continue as the age at which people can access the Age Pension increases to 67. Currently, the average age of retirement has increased to 63.

When you start considering retirement, we recommend you seek professional financial advice. A good advisor will

At Find Retirement, we take clients through a rigorous process which includes the following:

21

At Find Retirement, we don’t want fees to be a barrier to seeking sound financial planning advice. As such, we aim to keep our fees as affordable as possible for the average Dad and Mum client.

The first meeting is free and there is no obligation to continue with our services.

We encourage you to book a time to discuss your retirement needs with us when you are nearing retirement.

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.

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

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

JANUARY 2022 | FIND MAROONDAH

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22

FIND MAROONDAH | JANUARY 2022

findmaroondah.com.au

Birds of the Heatherdale/East Mitcham Area of Whitehorse

By Philip Daw

Introduction: I have written this brief article for use by anyone interested in the birds, past and present, of the Heatherdale/ East Mitcham Area of Whitehorse. In particular those children and students of preschools, primary schools, and secondary colleges. The material within is made available for anyone to use for general interest, school projects, etc.

Birds of the area: At the commencement of the 1950's the Heatherdale-East Mitcham area was primarily made up of regenerated bushland, small paddocks, and some orchards which were about a kilometer east of Mitcham Road. There were also some scattered residential properties along largely unmade roads and many of today's roads did not exist.

In the 1950's there were many bird species of both indigenous and introduced European varieties, and interestingly, there were thousands of microbats that are rarely seen or heard in the built-up areas today but may still be present in lesser numbers within indigenous tree reserves.

Common species in the 1950's: Introduced species •

• •

•

• •

English sparrows were prolific in the area notwithstanding the fact that it was still heavily covered in native bushland, some open paddocks, and some orchards.

Blackbirds were also common, especially in the sparsely distributed but established residential gardens.

Common Myna also called Indian Myna and I believe sometimes Egyptian Myna. These birds were fairly prolific and noisy with a different call to the native noisy myna.

Starlings were prolific in the area, congregated in large flocks and were very noisy especially in the evening where they would congregate in dense foliage trees for the night.

Thrushes were less common but could be seen in established residential gardens.

Lots of homing pigeons, kept by some locals, that were only seen when released by owners and which flew around in wide circles until they returned to roost.

Indigenous species • •

•

•

•

•

• • • • • • • •

Water birds that do nest and breed in the area include Pacific black ducks and Ibis.

Common at the time were many smaller birds including Willy Wagtails, Silvereye finches, robins (which are a native species and not true European robins, as well as many others. Back in the 50's these smaller birds had plenty of suitable vegetation in which to nest and raise offspring, Native birds which were too numerous to single out were Australian magpies, ravens (commonly and incorrectly called crows), rainbow Lorikeets, and noisy mynas and many other less plentiful varieties.

Powerful owl — a large owl and as such a night bird that can be seen sometimes if you are out in the evening or night. Very quiet due to specialized feathers for silent hunting.

Can still nest in the area but like tall older trees with suitable hollows. As such trees disappear it is likely that these owls will cease to nest locally.

Crested pigeon - common in other parts of Whitehorse, especially to the north but less often seen in the Heatherdale -East Mitcham area.

Corella — mainly seen in summer especially if the State has experienced low rainfall over the preceding year.

Gang-Gang cockatoos.

Yellow tailed black cockatoos.

Tawny Frogmouth — often called an owl but not a true owl species.

Welcome swallow — highly agile in the air.

Brown Thornbill.

Superb fairy wren.

Eastern Spinebill.

Australian Magpie Lark — very territorial, often seen at windows and car mirrors attacking their own image.

•

The effect of urbanization in the current timeframe Residential development and consequent habitat loss has been a significant and most obvious factor in changes in bird varieties and numbers in the area.

But there are other side effects of urbanization: •

•

•

•

Seasonal and occasionally seen species; •

Migratory water birds were seasonal over the skies of the Heatherdale area. They rarely alighted but were commonly seen flying in large V formations between Gippsland and the southern central and western districts of Victoria. They included Black swans and various species of ducks. With habitat loss in their breeding/feeding areas and

seasonal shooting they are rarely seen migrating over the area and if they are it is only in very small numbers Many of the occasionally seen birds tend also to be seasonal.

•

More predators, particularly cats have significantly reduced the bird population, especially the smaller birds. The Council's introduction of a cat curfew from 8:00 pm to 6:00 am has improved the situation.

Loss of breeding shrubs for small indigenous birds especially, but also introduced varieties, have reduced small bird populations. Whilst typical residential property gardens have many small shrubs they are less endowed with thorny thicket type plant varieties that protect smaller nesting birds from predators that can include larger predatory birds as well as cats. The City of Whitehorse has a booklet out that identifies these smaller plants suitable for encouraging smaller birds to nest and breed. Volunteer manned nurseries usually carry stocks of these plants if any residents want to encourage the re-introduction of smaller bird species — especially indigenous birds.

Nectar eating birds can be encouraged back with suitable feeder dispensers, which are available at pet stores and the like.

It seems counter intuitively but today there sems to be less introduced species and an increase in some indigenous species, particularly larger territorial birds such as Australian magpies, ravens (commonly and incorrectly called crows), rainbow Lorikeets, and noisy mynas. I even see a butcher bird that intermittently frequents my garden.

English sparrows may be found in small pockets of Heatherdale — East Mitcham but not over most of the area. The most likely place to find English sparrows is the Eastland car park or even the Eastland food mall!

JANUARY 2022 | FIND MAROONDAH

findmaroondah.com.au

23

The Ringwood Bowls Club’s 2022 New Year Resolution.

Peter Horton

Like many sporting clubs within the City of Maroondah, The Ringwood Bowls Club is looking to increase its membership in 2022.

bowling the RBC will provide you with the bowls and a fully qualified coach who will assist you in getting your bowling career underway.

We are extending an open invitation to all FIND Maroondah readers to become a social member of the RBC. Meet new people, make new friends and enjoy the companionship of other members of the RBC.

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

You don’t have to want to become a bowler – you may just be looking to socialise and meet new people and participate in the regular social events conducted by the RBC. Should you wish to try your hand at

Many of our social activities offer you the opportunity to bring your family and friends along, have a meal at the club, purchase your drinks at reduced prices and above all have some fun.

If you go to our new website – www. ringwoodbowls.com.au you will be able to see how to go about becoming a social member of the RBC, special offers

available to club members via our many and varied sponsors and upcoming social activities.

Don’t sit alone at home.

Don’t sit around wishing to meet new people.

Don’t sit around expecting to make new friends.

Don’t sit around just watching television.

If any of the above sounds like YOU then it’s time to contact the RBC – it’s ever too late.

The RBC, 12 Loughnan Road, Ringwood.

We would love to have you come onboard.

JANUARY 2022 | FIND MAROONDAH

23

2022 TA Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions is proposed to be removed from 1 July 2022.

Currently, members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for non-concessional contributions (including the bring forward rule) will allow members to contribute more to super throughout their lifetime, subject to meeting other requirements.

It is noted in the 2021 Federal Budget announcement that the work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions. However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see event ‘Work test exemption for low balance retirees’).

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed Royal Assent Date of effect

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. A recent legislative amendment originally from the 2021 Federal Budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60.

This contribution will be outside the current non-concessional rules.

To be eligible to make the contribution, they must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.

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

age test

•

work test, and

•

$1.6 million total superannuation balance test

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

for making non-concessional contributions.

Victoria COVID-19 package for state taxes Throughout the COVID-19 pandemic, the Victorian government has announced various assistance for businesses who are required to pay land tax or payroll tax. Assistance has been given in the form of reductions, refunds and deferrals of these state taxes. However, not all assistance is applied automatically and requires direct application with the State Revenue Office. Most recently, a 12-month deferral of payroll tax applies to businesses with Victorian taxable wages under $10 million. Also, land tax relief has been extended into 2021 for landlords who provide qualifying rental reductions to their tenants. This has

Announced: 20-Mar-2020 Updated: 2-Nov-2021

recently been extended again in October 2021. The impact statement and letters provide more detailed information for you to correspond with your clients, to ensure they receive all the assistance they are entitled to.

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.

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

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

AX UPDATES 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.

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.

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

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

Announced: 15-Nov-2021

seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Updated: 22-Nov-2021

concession eligibility.

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 prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the 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

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

parliament.

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

Announcement(10-May-2021) Consultation(25-Aug-2021)

by the Treasury around changing both the taxation and regulatory framework for Australian businesses.

Introduced(25-Nov-2021)

Overall, these combined proposals for both ESS participants and businesses may change traditional

Passed

structuring of arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants in the future.

Royal Assent Date of effect

JANUARY 2022 | FIND MAROONDAH

25

JANUARY 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.

Offered at $000,000

O C

N I M

O S G

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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

JANUARY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JANUARY 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

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NEW RENTAL LISTING HARCOURTS CHOICE REAL ESTATE 67-69 Main Street, Croydon, VIC 3136

09722 9966 choice@harcourts.com.au www.choice.harcourts.com.au

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Unit 7/12 Monaco Street, Parkdale VIC 3195 3

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

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editor@findmaroondah.com.au

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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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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

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JANUARY 2022 | FIND MAROONDAH

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NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

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

JANUARY 2022 | FIND MAROONDAH

37

Maroondah C Heat Health Alert declared for Friday 31 December 2021 The Chief Health Officer has issued a ‘heat health alert’ for Friday 31 December 2021 based on the Bureau of Meteorology 7-day forecast.

The forecast conditions may cause an increase in heatrelated illnesses in the community including heat stroke and heat exhaustion.

While extreme heat can affect anyone, there are certain groups of our population that are at an increased risk during these periods.

Maroondah’s Heatwave Plan focuses on groups identified as ‘vulnerable populations’ in the context of heat-related incidents – children aged 0 to 4 years; people aged 65 and over, pregnant women and people suffering a serious illness.

During this heat health alert, some Council services may be altered or cancelled in an effort to encourage those members of the community who are at particular risk to stay out of the heat.

Services that may be affected during a heatwave are: • • • • • • • • •

Planned Activity Group Social Support Maternal and child health Assessment and care coordination Meals on Wheels Vacation Care Family Day Care Occasional Care Home and Community Care Supported Residential Services & Direct Care Services

If you are unsure about your service being available, please contact Council on 1300 88 22 33 or 9298 4598.

The criteria for extreme heat is determined by the Department of Health in conjunction with the Bureau of Meteorology forecast for the mean temperature across the heatwave timeframe.

There are various things people can do to help themselves and others to better cope with the heat:

• • • • • • • • • •

Keep in touch with sick or frail friends, neighbours and relatives.

Drink plenty of water, even if you don’t feel thirsty (if your doctor normally limits your fluids, check how much to drink during hot weather).

Keep yourself cool by using wet towels, putting your feet in cool water and taking cool (not cold) showers.

Spend as much time as possible in cool or air-conditioned buildings (for example, shopping centres, libraries, cinemas or community centres).

Block out the sun at home during the day by closing curtains and blinds. Open the windows when there is a cool breeze.

Don’t leave children, adults or animals in parked vehicles (even when parked in the shade).

Stay out of the sun during the hottest part of the day. If you do go out, stay in the shade and take plenty of water with you. Wear a hat and light-coloured, loose-fitting clothing.

Eat smaller meals more often and cold meals such as salads. Make sure food that needs refrigeration is properly stored.

Avoid strenuous activity like sport, home improvements and gardening.

Watch or listen to news reports that provide more information during a heatwave.

For 24-hour health advice residents can contact NURSE-ON-CALL on 1300 60 60 24. For all life-threatening emergencies call 000.

To stay up to date with Council services during the summer period phone us on 1300 88 22 33.

Neon Lights in Ringwood Town Square Council, in partnership with Eastland, has created an illuminating neon light display in Ringwood Town Square.

Created by Melbourne visual artist, Carla O’Brien, the display is a fun and interactive way to explore the space while you’re visiting, shopping or dining.

Read More

Council News JANUARY 2022

Friday Morning Ladies Social Tennis Craving some female company, sick of walking, need time away from the kids or grandkids (or partner), coming back from a break or injury - come and play tennis with us.

FAST 4 FORMAT DOUBLES - New partners each set

Read More Julie Fenton, The Hug

DIS/Connected Selected works from the Maroondah City Council Art Collection. Exhibition open at Maroondah Federation Estate Gallery. Monday to Friday - Open until 28 Jan 2022.

Drawing upon the theme of Ringwood Art Society’s annual exhibition for 2021 In and Out: My Lockdown Experience (located in the neighbouring gallery) which focuses on experiences in the time of COVID, DIS/Connected explores ideas of identity, how we define ourselves through connection with others, and the effects when we fail to feel connected.

Read More

Australia Day celebrations Come and celebrate Australia Day on 26 January at Ringwood Lake.

Each year Council’s Australia Day awards recognise and celebrate community members and organisations that make significant contributions to their local communities.

Australia Day is a great day to come together and celebrate our great nation and the Maroondah community.

Read More

JANUARY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JANUARY 2022

findmaroondah.com.au

400 New Carparks Now Available In Croydon Town Centre The new $18 million carpark in the Croydon Activity Centre was officially opened this week, by Federal Minister for Infrastructure Paul Fletcher, Federal Member for Deakin, Michael Sukkar and Mayor of Maroondah Councillor Mike Symon.

Cr Symon said the opening was very significant, as the carpark is the first of four carparks to open in Maroondah. All four have been fully-funded by the Australian Government and will be built in key activity centres within Maroondah.

“The new carpark in Devon Street Croydon provides 400 much needed spaces for commuter parking, along with parking for visitors to Main St and the Croydon Town Centre. This will be a huge benefit for the customers of the commercial, retail, hospitality and numerous other services and businesses in the precinct,” Cr Symon said.

Cr Symon said another benefit of the carpark has been the significant employment it has generated during the design and construction.

“About 800 workers contributed their skills on site over the 12-month build. Additionally, there were more than 100 people who worked offsite to design, manage and contribute to the successful completion,” Cr Symon said.

“And as a boost to our local economy, more than 95% of the project workforce was from Victoria and about 25% of those were from within a 15km radius of the site,” Cr Symon said.

The building is sustainably designed, and includes electric vehicle charging stations and solar panels.

The Devon Street carpark is free to use and operates 7 days a week, from 6am to 10pm most days. The carpark was funded by the Australian Government and delivered by Maroondah City Council.

For more information see the Devon Street Car Park webpage.

Read More

Maroondah Youth Workers Available Over Holiday Break Council’s Youth Services team will continue to support Maroondah’s young people and their families over the Christmas school holiday break.

Our qualified youth workers can help young people aged 10 to 25 years in the Maroondah area with a wide range of things, like becoming employment ready, family issues, getting involved in the community, relationships, connecting

with mental health services, life skills, or if you’re just having a hard time.

Connect with us, we’re here to help To contact our Youth Services team, simply fill in the Support Request Form to help us understand what you need, or call us on 9294 5704 during office hours (Monday-Friday, 8.30am to 5pm).

Have Your Say: Designated Dog Park Proposed For Parkwood Reserve Maroondah is set to welcome its second dedicated dog park with concept plans now available for community feedback. Council has received funding from the Victorian Government Local Parks Program to construct a new off-leash dog park, earmarked for the former Parkwood College site in Tortice Drive, Ringwood North.

Have Your Say

Improving Housing Developments in Maroondah Council has been working with the Centre for Urban Transitions, Swinburne University since 2015 to apply the greyfield renewal concept in two selected precincts within Maroondah (in Ringwood and Croydon South).

During this time, several community engagement workshops have been conducted, building design guides prepared and feasibility analysis undertaken, to help determine new planning provisions.

Have Your Say

Greenwood Avenue Streetscape Enhancements Council is seeking to undertake a streetscape enhancement of Greenwood Avenue in Ringwood between Bedford Road and Reilly Street and would like to hear your thoughts.

The proposed improvement works will include the replacement of trees beneath overhead power lines to species that retain more of their natural canopy as well as the construction of a high quality off-road shared user path.

Read More

JANUARY 2022 | FIND MAROONDAH

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Are you Not-For-Profit in Maroondah Area?

Advertise your events for FREE on the following pages.

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

Maroondah

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Just Cuts: Summer Hair Care Tips It’s summer again! Time to get into breezy clothes, put on lots of sunscreen, and head to the beach. But wait! What about your hair?

Even though it traditionally has an easy-going vibe, summer is the harshest season on our hair; so, protecting your tresses from sun damage is as vital as protecting your skin. Neglect it, and you will end up with hair loss, frizzy hair, and split ends!

So, let’s talk through our best summer hair care tips to save your locks!

feel cooler with your hair off your neck. What's not to love about looking AND feeling good?

1. Invest in a hydrating shampoo and conditioner such as our JUSTICE Professional Cool Mint Bundle to hydrate and stimulate your scalp and alleviate dryness caused by the outdoor heat or from air-conditioned environments indoors.

7. If healthy hair is the goal, as always, we recommend regular Style Cuts to keep your hair looking its best! When your hair is dehydrated, your ends will be more likely to split. And splits ends will make your hair look even more frizzy. Regular Style Cuts will also keep your hair less tangled and less prone to breakage.

2. Change up your hair care routine and introduce a biweekly intense hydration mask such as JUSTICE Professional Treatment Mask so that you aren't left with coarse dehydrated hair.

3. Don't add to the problem of summer heat and humidity by using more heat to style your hair. Leave your hot tools in the drawer and use a microfiber towel to dry your hair. This will absorb as much water as possible and help avoid frizz.

Embrace your natural texture or apply JUSTICE Professional Sea Salt Spray to give your hair that carefree summer style.

4. If your hair is frizz-prone, a wearable treatment such as JUSTICE Professional Smooth & Groom will add intense moisture, which is crucial when spending time in the sun. It will also help detangle your hair while encouraging a sleeker, smoother result. Adding a serum such as JUSTICE Professional Endz Serum into your summer hair care routine is also an excellent option for those dealing with dry and damaged ends. Add through the mid-lengths of your hair while it is still damp.

5. For extra UV protection and to help your scalp retain moisture, cover your head when you're out in the sun. You've always wanted to wear that hat or scarf with your summer outfits, and now you have the perfect excuse!

6. Summer humidity can be brutal, something those who suffer from frizzy hair know all too well. So now is the perfect time to try loose, natural styles. Apply JUSTICE Professional Argan Oil and try messy buns, high ponytails, big braids…

Not only will it help keep your hair frizz-free, but you will also

8. Opt for products that enhance your natural hair type. If your hair is naturally curly or wavy, use JUSTICE Professional Curl Crème and leave your hair to dry naturally. Or fake your waves using JUSTICE Professional Sea Salt Spray … just spray, scrunch and go!

9. Rinse or wash your hair immediately after swimming to prevent chlorine and saltwater from interfering with your colour and hair health. You can also try rinsing your hair with cool, fresh water and applying JUSTICE Professional Treatment Mask before taking a swim. The more your hair absorbs the freshwater, and protective mask, the less salt and chemicals can get in.

10. Don't overdo hair washing … as the days get hotter and the conditions get sweatier, it's tempting to wash your hair every day, but in doing so, you will strip your scalp and hair of much needed natural oils. We recommend washing twice a week and always make sure you are doing 2 shampoos for a thorough clean. Use JUSTICE Professional Dry Nutrient Shampoo to go a bit longer without washing.

So now you know how to beat the heat and keep your hair looking and feeling healthy all season long. Just follow these tips to protect your mane from the harsh rays, and you will have beautiful hair that will make everyone around you 'burn' with envy!

Need a trim or hair treatment? Find our nearest Just Cuts Salon near you at www.justcuts.com

Box Hill Institute Eastland is proud to partner with Box Hill Institute, one of Australia’s leading vocational and higher education providers educating over 40,000 people in 10 different countries each year.

Box Hill Institute offers a diverse range of courses to students, businesses and community groups and values the opportunity to work hand-in-hand with industry and businesses to create jobspecific courses and facilities.

Come and see what’s happening at Box Hill Institute’s Learning & Information Hub

Faces of Eastland We are so proud of our unique, inspiring and beautiful Eastland community that we thought we would share the love by highlighting a range of customers, staff, suppliers and everyday faces that makes up the soul to this special community!

Read More

Suburban Disco Bottomless Brunch What better way to celebrate summer than with live music, great company and bottomless spritzes?

Get your dancing shoes on every Saturday throughout summer for our Disco Bottomless Brunches. Enjoy bottomless spritzes, house beers and wines, along with a meal from our exclusive brunch menu.

Each week we will have a live DJ spinning the best disco tunes, so gather your friends and book a table today.

What's On

Glen Park Community Centre

5 Tips to Nail your Christmas Beauty Prep

Sportscraft: Summer Sale JANUARY 2022 | FIND MAROONDAH

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RETIREMENT

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.

JANUARY 2022 | FIND MAROONDAH

findmaroondah.com.au

47

LIVE TO 100

Photo by cottonbro from Pexels

RETIREMENT

Improves symptoms of osteoporosis.

Improves your immune system.

Cycling offers benefits for exercise with a spouse and/or special friends.

If your personal goal is to live to 100, you’ll need to develop both mentally and physically.

So, once you have checked with your doctor, what are some of the best sports for seniors to consider?

In some respects, maintaining your mental health can be easier – you can just sit at home doing crosswords or sudoku puzzles – but “modern elders” generally prefer to undertake physical exercise in a group setting.

LOW BODY IMPACT

It is easier on your joints than most other sports and you will probably be able to find a cycling club near you, where you can find new friends who can advise you how best to develop in the sport.

Cycling is also a great option for local suburban travel when you need to run errands. So you could incorporate a workout into your daily routine.

By Bernard Kelly MBA

There are many sports activities for seniors which have tremendous health benefits but also have low impact on your body.

There are even competitive sports for older adults and you can enter different tournaments or competitions.

And a list of other benefits would include: • • • • •

Lowers the risk of obesity and heart disease.

Reduces stress and improve overall mood.

Lowers cholesterol levels.

Reducing the risk of depression through social interaction and a greater sense of independence.

• •

Firstly, look for a sports activity that has a low impact on your body, and preferably one that is a team sport.

And indeed competitive team sports for older adults cater to both mental and physical wellbeing, and team sports offer friendships.

SOME EXAMPLES Golf can offer the best combination of mind games, low impact physical exercise and friendships.

If you no longer can walk long distances, carrying your own golf clubs, many golf courses offer motorised golf carts.

If the thought of expensive membership fees is a concern, a solution is to join a remote club, but one that has reciprocal rights to a club closer to home.

Other outdoor sports for seniors The list can be endless, but do check out • Nordic walking • Croquet • Lawn Bowls • Walking (UK) football – the rules are much the same, but it’s forbidden to run

Bernard Kelly MBA writes on topics of interest to “modern elders”. Feel free to contact him anytime. His email is bernardkellygeelong@gmail.com

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

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PROFESSIONAL SERVICES

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.

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.

PAGE

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 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.

Visit Us Here

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

ABN: 26689211803

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.

JANUARY 2022 | FIND MAROONDAH

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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

Office: (03) 9424 9447

• Setup, Training & Review • 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 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

www.kirachitecture.com

PAGE

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

• 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.

• Design

Get in touch today.

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS

www.shlfinance.com.au

• BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

2/3 Ringwood Street, Ringwood VIC Australia 3136

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

Areas of Expertise

Contact Details

º WHS/ OHS

mfelton@beaumontlawyers.com.au

º Manufacturing

03 9727 1376

º Regulatory Compliance º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Business Management º Operations

CONNECT NUTRITION 248 Main St, Lilydale Melbourne 3140 | (043) 245-3923 SHAKES

8.5

• Aero • apple pie • berry-licious • birthday cake • bounty • caramel latte • jaffa • lemon cheese cake • oreosn'cream • peanut butter • pina colada • redskin • snickers

FITNESS SHAKES

9.0

• OG • Gladiator • Beast • Ironman All shakes are low in sugar, contain 17-33 grams of protein, 21 essential vitamins and minerals, and range between 200-350 calories.

TEA DROPS • blue lagoon • gummy bear • hocus pocus • hubba bubba • hulk • jolly rancher

7.0 • lemon cherry bomb • margarita • peachy mango • to the moon • skittles • sour worm

.....upgrade to a loaded tea +2.0

Each tea drop is high in antioxidants and less than 20 calories per serve! Upgrade to a loaded tea to boost your Vitamin B and C and get a burst of natural energy with Gingko Biloba

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

ICED COFFEE

5.0

• mocha • macchiato

BOOSTERS

5.0

• nrg • focus • cleanse • hydrate

PROTEIN BARS 4.0 • citrus lemon • chocolate peanut • vanilla almond

• Ask about our 3-Day Challenge • Ask about our FREE wellness profile and meal planning • Ask about getting products to take home

JANUARY 2022 | FIND MAROONDAH

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LOCAL TRADIES

PAGES

100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

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.

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.

The Dimensions of the Ads are: CAPPUCCINO

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 takenWE'R when a Tradie joins the Find Network Team.

E SO CONFIDENT YOU’LL LOVE IT, OUR OFFER IS UNBEATABLE!

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 50 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

▪

State-of-the-art Swiss technology

▪

Sleek design that fits the modern office

LATTE

Grinds fresh beans for FOR each cup, no powders 100% FREE, TWO-WEEK TRIAL YOUR WORKPLACE ▪

Automatically heats and froths fresh milk for each cup

FLAT WHITE

100% FREE, TWO-WEEK TRIAL MORE THAN JUST ESPRESSO FOR YOUR WORKPLACE ▪

DELIVERY & INSTALLATION

SHORT BLACK MACCHIATO

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

LONG BLACK CAPPUCCINO ....and many more!

• State-of-the-art Swiss technology WE'R

E SO CONFIDENT YOU’LL LOVE IT, LATTE

OUR OFFER IS UNBEATABLE! • Sleek design that fits the modern office ▪ State-of-the-art Swiss technology ▪ Sleek design that fits the modern office • Grinds fresh beans for each cup, no powders ▪

Grinds fresh beans for each cup, no powders

• Automatically heats and forths fresh milk for each cup ▪ Automatically heats and froths fresh milk for each cup

FLAT WHITE

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

SHORT BLACK

LONG BLACK ....and many more!

MORE THAN JUST ESPRESSO

HOME & GARDEN

PAGES

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

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.

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.

JANUARY 2022 | FIND MAROONDAH

53

HEALTH & BEAUTY

PAGES

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 • 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

PAGES

HEALTH & BEAUTY

The Autumn Collection is out now!

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

JANUARY 2022 | FIND MAROONDAH

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SPORTS

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

SPORTS

NORWOOD SPORTING CLUB

Reappointment of Marty Pask The Norwood FC is pleased to announce the reappointment of Marty Pask as senior coach for season 2022. The strong leadership and development attributes Marty beholds are just some of the skills our young and dynamic playing group continue to benefit from. We look forward to continuing our journey together when football returns.

Please join us in congratulating Marty on the reappointment.

Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

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JANUARY 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

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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 Send us your: Services Times Simply upload your information at

Public Notices

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Birth, Deaths & Marriages January 2022

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

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