Find Maroondah - July 2022 Edition

Maroondah The

JULY 2022

WHAT’S INSIDE:

04

LARGEST SNOWFALLS RECORD

05

COLUMNIST ARTICLES

28

TAX UPDATES

32

WEEKLY RENTAL LISTINGS UPDATES

40

MAROONDAH COUNCIL NEWS

48

NFP OF THE MOTH - FLICKER OF HOPE

72

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on Page 04

KiR ARCHITECTURE kathy@kirarchitecture.com

BEAUMONT GROUP

www.kirarchitecture.com

mfelton@beaumontlawyers.com.au

0422 026 962

www.thebeaumontgroup.com.au/lawyers/

info@findaccountant.com.au | www.findaccountant.com.au

PL ATINUM SPONSOR

JULY SPONSOR

0411 951 372

JULY SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

ARCHITECT

MORTGAGE BROKER

KATHY ISMAIL

COMMERCIAL COFFEE MACHINE HIRE

REECE DROSCHER

OCCUPATIONAL HEALTH & SAFETY

GENERAL INSURANCE

CRAIG ANDERSON

EDITOR | WRITER

SUSAN PIEROTTI

LACTATION CONSULTANT

SIGNAGES

GLENN MARTIN

JOANNA STRYBOSCH

NATURE & CONSERVATION

HERITAGE & HISTORY RINGWOOD & DISTRICT HISTORICAL SOCIETY

IVANA SMITH

HEATHERDALE COMMUNITY ACTION GROUP

ELWYNNE KIFT

MARK FELTON

NATUROPATH

KATHRYN MESSENGER

LIZ SANZARO

RUSS HAINES

MARKETING CONSULTANT

BOOKKEEPER

?

?

Are you our next Marketer?

Are you our next Bookkeeper?

CLUB SPONSORS

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

Next Issue of the Find Maroondah will be published on Wednesday August 10, 2022. Advertising and Editorial copy closes Monday August 1, 2022.

JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

findmaroondah.com.au

Will we see record snowfalls in 2022?

By Warren Strybosch

The ski season started off with high expectations and predications are that 2022 would be the season for record snow falls. We saw Victoria’s ski fields covered in early-season snow that broke 22-year records but was that an early prediction of what is yet to come or just mother nature teasing us once again.

A great ski season may still become a reality but so far, the season has been a mixed one, with high snow falls one week and then rain the next turning all the snow into mush.

As at time of writing this article, Falls Creek had 80 out of 90 trails open, Mt. Baw Baw Alpine Resort only had 2 out of 17 open, Mt. Buller had 14 out of 61 open, Mt. Hotham only had 63 of its 100 trails open.

Currently, most of the snow can be found at Mt. Buller. Personally, I am hoping that the best of the season is yet to come as I am heading up to Falls with the family in September.

“In terms of getting snow this early and before Queen’s Birthday, it has only

Open Dinner Plain 3 days ago

Falls Creek Alpine Resort 3 days ago

Mt. Baw Baw Alpine Resort 3 days ago

Snowfall

Base Depth

1"

1-3"

Jun 30

Powder

0"

24-29"

Jul 08

Machine Groomed

4"

12-12"

Jul 08

Powder

Mt. Buller

3"

19-19"

3 days ago

Jul 08

Packed Powder

3"

20-29"

Jul 08

Wet Snow

Mt. Hotham 3 days ago

happened twice in the last 50 years [on record].”

Bureau of Meteorology senior forecaster Matthew Thomas said the strong snowfalls were a result of a burst of cold air pushing over south-east Australia and high precipitation.

With Victorian ski resorts been hit hard over the past 2 years due to Covidrestrictions leading to shortened seasons,

Open Trails

Open Lifts

1/1

1/1

N.A.

3/14

2/17

3/7

14/61

18/22

63/100

10/13

many ski business operators are really hoping that this year will be a great year for their businesses and those who love going to the snow.

Many business owners are feeling optimistic for the remaining season.

If you happen to be up at Falls Creek and see a guy with a ‘Find’ cap on having a coffee, feel free to stop and have a chat.

Happy skiing everyone.

findmaroondah.com.au

JULY 2022 | FIND MAROONDAH

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Do You Have Forklifts Operating in Your Business?

You Need an Effective Traffic Management Plan OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

WorkSafe Victoria has announced that a food service wholesaler has been fined $35,000 after a worker was struck by a forklift and seriously injured at a Dandenong South warehouse last year.

C.C.B. Enterprises Pty Ltd pleaded guilty in the Dandenong Magistrates' Court on Thursday to a single charge of failing to provide a safe working environment, and a single charge of failing to notify WorkSafe immediately after being aware that an incident had occurred.

The company was fined $35,000 without conviction.

In April 2021, the worker was walking across the warehouse floor when a forklift operated by another worker reversed around a corner and struck him, running over his foot and leg.

The injured warehouse assistant was taken to hospital where he underwent surgery to repair a compound fracture of his leg, multiple fractures of his foot, and muscular damage that required a skin graft. The employee suffered postoperative infections and has not since returned to work.

The court heard that the company did not have in place a traffic management plan to separate pedestrians and forklifts, and that it was reasonably practicable for the company to have implemented clearly designated exclusion zones, pedestrian walkways and safety barriers.

WorkSafe Executive Director of Health and Safety Narelle Beer said duty holders will be held accountable for failing to protect workers from the known risks associated with forklifts.

"It's frustrating that forklift injuries are still so prevalent considering the enormous amount of guidance, information and regulation that occurs," Dr Beer said.

"WorkSafe will continue doing everything it can to protect workers who work with or around forklifts through inspections, investigations and prosecutions."

Employers using mobile plant such as forklifts should ensure:

•

•

• • • • •

A traffic management plan is in place for pedestrians and powered mobile plant and that it is reviewed and updated as appropriate.

Pedestrians are separated from moving machinery and that an effective communication system between operators, transport contractors and ground staff is in place.

Signage is in place and barriers are erected where appropriate.

Visibility issues are identified and controlled, particularly if lighting is poor.

Workers operating equipment have the appropriate high risk work licences, as required.

Machinery and vehicles and regularly inspected and maintained by a suitably qualified person.

Employees and health and safety representatives are consulted about health and safety issues.

Do you have forklifts operating around pedestrians in your business? Do you have effective traffic management plans in place? Are you adequately keeping your employees and yourself healthy and safe? Is your documentation

adequate? Often businesses have at least rudimentary WHS management systems, but documentation is poor. We assist business owners identify what they need to have in place, and then ensure effective systems and documentation are implemented. Checks are put in place to monitor effectiveness, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost-free initial discussion.

Mark Felton Occupational Health & Safety BEAUMONT ADVISORY www.thebeaumontgroup.com.au

JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

findmaroondah.com.au

Learn from the birds – writing makes you smarter!

If farmer A stored his grain in October in a warehouse down the river but buyer B didn’t need it till February, how was the grain storehouse manager to remember who had bought what and when, and how was he to differentiate farmer A’s grain from farmer C’s identical grain?

As children do, he probably made a mark he would recognise on the grain jar to remind himself. As more varieties and quantities of grains came in, with more farmers and buyers, the storehouse manager’s marking system would need to become more sophisticated. Thus, writing was born.

ACCREDITED EDITOR

By Susan Pierotti

In the leafy streets of Maroondah, we are fortunate to have songbirds that are not only beautiful in their plumage but their calls. Even during winter, you can hear the joyful carolling of magpies and the melodious call of the currawongs.

Yet, when you’ve been woken up at sunrise by a screeching flock of corellas stripping your next-door neighbour’s tree, you may wonder why our, peewees and wattlebirds are classified as ‘song’birds!

Songbirds are ones that produce ‘organised’ sounds. Tim Low’s book, Where song began, describes how biologists have discovered that all birds classified as ‘songbirds’ originated in Australia when it was part of Gondwanaland. While almost all living birds produce calls of some sort, welldeveloped songs are delivered mostly by the songbirds. Their highly developed vocal organs enable their sonorous though not all songbirds deliver a call that is recognised as melodious by humans! Though parrots and ravens are not classified as songbirds, they can be taught to repeat human speech, but generally, being able to mimic is almost completely restricted to songbirds, some of which (such as lyrebirds) excel in imitating the sounds of other birds or even environmental noises like chain saws and camera clicks.

Bird brain – big brain Songbirds and parrots also have a large brain mass and therefore many more neurons for their body mass compared with non-primate mammals. In other words, songbirds, ravens, crows and parrots have the largest and smartest brains of all birds on earth, comparable with humans who have the smartest brains of all primate species. The ability to have complex language is directly connected to a larger size of brain, possibly influencing its size.

Compared with birds elsewhere, our native feathered flocks are more likely to live in complex societies and are longlived. Again, comparable to us humans!

Parrots in particular have another ability no other birds have. The relatively enlarged brains in parrots especially is likely associated with their greater learning skills, including vocal learning, and enhanced foot and beak dexterity.

Parrots can pick up objects in their claws, as can other birds, but only parrots use them as tools. Humans have opposable thumbs and fingers – that is, we can make a circle with our thumb and finger – and that also gives us the ability to use tools as well.

From tools to alphabets Humans first used tools to kill animals for food and later for agriculture as the food supplies expanded. As surpluses were created from wheat, barley and other grains, trade developed. Because of trade, one of the most amazing explosions in human history occurred.

The first instances of writing found have been on clay bricks from the Middle East region. They are accounts of goods being transported down the rivers. From a mark to a highly evolved alphabet probably didn’t take all that long, but alphabets and other writing systems – Egyptian hieroglyphics and Chinese characters, for example – have lasted for thousands of years.

Being able to record our belongings, thoughts and deepest desires is one thing that differentiates us from all other animals. It is what makes us truly human.

It means we can avoid the mistakes of others, we can plan into the future, we can control our world. Writing makes us smart!

Language, writing and building – they’re all connected.

So when you hear the screech of corellas or the carolling of magpies, remember that we share singing, building and language and these make us the smartest of our species.

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

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

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JULY 2022 | FIND MAROONDAH

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HERITAGE & HISTORY

By Russ Haines OAM

The year 1927! What an impressive year for a young person to come to reside in Ringwood. A town surrounded by trees, native and cultivated.

Greenwood Avenue, to the juvenile mind, appropriately named because of the stand of lemon-scented eucalypts forming a guard of honour for children treading their way back and forth to the State Primary School. I’m sure the Greenwood family would forgive me!

Tall dark pine trees grew in the school grounds casting slender shadows for play on hot summer days. Opposite the school's eastern fence, virgin bushland provided low-growing native scrub for daring young schoolboys to play cops and robbers in the extended lunch break.

As the fast electric train rattled the last lap of its fifteen-mile journey from Melbourne downhill from Mitcham into orchard land, one could observe here and there the last remaining crops of apples, pears, or quinces in the autumn days of April.

When my parents with family came from Warrnambool to occupy the timber residence in Bedford Road, there were plenty of trees at the rear where we gathered mushrooms after rain, played cricket, kicked footballs and rode borrowed bicycles. Mostly male companions seemed to drift their way into that paddock — the Wigley cousins from Wilana Street, the Falconer trio from Pitt Street and boys of the family Lobb in Campbell Street; pals were numerous.

Trips into the City were memorable; father drove a neat 1927 Chevrolet and found available parking at the rear of Wesley Church, Lonsdale Street, a considerable distance from the CBD. The Duke and Duchess of York were guests of the Australian Federal Government for the Opening of Parliament House, Canberra, in May 1927, and with flags and cheers from the kerbside of Spring Street, crowds greeted the Royal visitors as they drove in their elaborate horse-drawn coach to the Victorian Government House. With a gracious smile and a waving hand, the smiling Duchess returned the applause.

Her lovely toddler daughter (our present reigning monarch Queen Elizabeth II) had been left to the care of grandparents and nannies in London.

Our educators at Ringwood Primary School had planned that at least some students should be privileged to hear a broadcast of Canberra's Opening

AMONG THE GUM TREES Day, and so wireless sets were brought into some classrooms (probably hired from Stoney's!). In those pre-radio days many, like myself, had scarcely heard a broadcast: a small crystal set in our home had been put together by older brothers but the reception was poor and mostly uninteresting. From our school desks silence prevailed as we strained to hear static voices coming over the airwaves. Whether a 'valve' set or battery operated we had little idea of the workings inside the heavy wooden case, nor of the whereabouts of an aerial which must have been essential in those pre-plug-in days for electrical operation.

However, with tourism trends in Australia to promote the Capital, school listeners would proudly identify with Opening Day if privileged to visit Canberra.

In mid-year 1927, a rare birthday treat for me was to attend the screening of "Ben Hur", a silent film in black and white, at the ornate Capitol Theatre in Swanston Street. Roman chariots and armour-clad horseman in conflict provided spills and thrills to eye gate whilst dramatic musical and sound effects were created

by Horace Weber at the console of the grand Wurlitzer organ. Another modern cinema theatre, the State on Flinders Street was under construction. Mr Woollacott had been commissioned to work on the decorative interior of walls and ceilings of "the State". He had come from South Africa with his wife and two daughters to their lovely home in Bedford Road, architecturally designed to trends in Johannesburg.

Mrs Woollacott was attached to the Women's National League and teenage daughters Eveline and May included me in their support group on occasions of political interest. Government elections pending were an opportunity for public meetings and for candidates to present

policy speeches, and gatherings were eagerly attended by young and old.

Though 21 seemed a long way off to reach voting age, it was no barrier to the minors in good attendance numbers who sat under the powerful oratory of Robert Gordon Menzies and he, with sharp wit, was more than a match for the hecklers who endeavoured to stir and disturb. From Ringwood's public platform at the Town Hall the elegant Mrs Clarence Weber, health and physical education promoter, charmed female voters in her bid to enter parliament.

Mrs Woollacott and daughters happily integrated into Methodist church activities and their departure came all too soon. Grandparents Mr and Mrs Evans of Wilana Street, and their aunt Gwen (later becoming Mrs Dawes) felt their embarkation keenly. My knowledge of South Africa, its provinces, States, customs and population differences was cultivated and expanded in a short but interesting friendship.

The State Education system demanded a set standard of learning at the completion of year six in primary school and the 'qualifying certificate' was awarded after assessment by the class teacher of a students' attitude to school work. It was an exciting announcement at the end of the school year (though I do not remember any presentation of Certificates!). The Ringwood Mail published results two months later. Twelve years hence many of those named would be enlisted for war service. Twenty years from 1927, following six years with Australian military forces one lad would be asking me to marry him. The five children of Jack and Eva Tann completed primary education at Ringwood School No 2997!

From Eva Mclaren-Tann-Moore March 2004 JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

findmaroondah.com.au

Are you a Financial Planner looking for more clients?

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

List in our Find Aged Care Services Website.

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

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

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

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

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

findmaroondah.com.au

JULY 2022 | FIND MAROONDAH

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NATUROPATH

By Kathryn Messenger

Homeopathy is based on the principle that your body has an innate ability to heal, something that drives the body to repair and restore, known as vitality. You only need to study the process of wound healing to understand that the body’s has amazing repair process. Just like using a dressing on a wound provides an environment that allows the body to heal, likewise, homeopathy stimulates the body’s own healing process. This is different to a nutritional product which provides the nutrients that the body uses in the healing process. For this reason, homeopathy can be used to treat most health issues, in most people. It is gentle enough to be used on children and they usually respond well, as their body will heal more efficiently due to increased vitality.

Homeopathy is a gentle, yet powerful system of natural medicines based on the principle of ‘like cures like’. Substances that can cause ailments, can be used to treat that same ailment when diluted.

For example, if you are stung by a bee, homeopathic Apis mellifica (bee venom) will relieve the bite. Whilst this may seem counter-intuitive, conventional medicine treats anaphylactic bee allergy with diluted bee venom injections. The homeopathic medicine does not need to be the same as the original substance, just ‘like’ it. Apis will help other bites that are painful, sensitive, and stinging.

“The difference between a medicine and poison is the dose” - Paracelsus 1538 Whilst it might be hard to wrap your head around, we do know that excess of any one thing is not good for us, regardless of how good it might be, and that even paracetamol is fatal in high doses. Homeopathy uses highly diluted substances, some of which are toxic (such as bee venom), but due to the dilution process, they become safe and effective in treating disease.

Homeopathic philosophy recognises that people are different, and just like some people spend a week in bed with a cold whilst others might just have a sore throat for a day, there are nuances to our individual healing process. It takes into account things that make the ailment feel better or worse, for example, do you feel better with ice on your injury, better with gentle movement, better if left alone, or better with rest. It is holistic, and a practitioner will look to find a remedy

What is homeopathy?

Whole Naturopathy has a large range of homeopathy is stock and can choose the best remedy for your unique signs and symptoms. that fits more than one body system. A remedy is easily confirmed as a good fit for the patient if it fits more than one symptom, such as perhaps a digestive issue, with something unrelated such as something in the eyes, or the emotions.

Homeopathy began in the 1700’s by a German Doctor Samuel Hahnemann, and as this was a time before pathology testing and our modern understanding of disease, choosing the right remedy is based on signs and symptoms. Together with his medical students, Hahnemann set out to prove that the remedies work by testing them on multiple people, which was not commonly done in medicine at that time.

Worldwide homeopathy is used by around 500 million people. In Europe it is prescribed by many doctors, but it is India where it is most commonly used, where homeopathic hospitals and homeopathic doctors form a large part of their medical system.

Often to understand homeopathy, you need to try it yourself. A great place to

start is with Arnica montana (Arnica), the remedy for bruising.

The mechanism by which homeopathy works is still not fully understood, although advances are being made in the areas of quantum physics and chemistry. For more details on this and for homeopathic research articles, go to www.hri-research. org/

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

ARCHITECT

By Kathy Ismail

Heating bills have skyrocketed. There are several ways to pay less by retaining the heat. Your windows could be a contributing factor.

Did you know that about 30% of a home's heating energy is lost through windows?

A single pane of glass loses almost ten times as much heat as the same area of insulated wall. As heat rises and escapes, and cold air rises to fill the place of the warmer air, this can create draughts. So, let’s look at some ways you can minimise heat escaping through your windows.

findmaroondah.com.au

USE YOUR WINDOWS TO HEAT YOUR HOME

Type of window If you are doing a new build or renovating, consider the type of windows you can install, as they will affect how much heat you lose. Fixed, casement and awning windows are more heat-efficient than sliding windows. Fixed windows are ones that don’t open, casement windows opens outwards on a side vertical hinge and awning windows opens outwards from the top of frame.

Shut the window Seems obvious, but are your windows completely sealed? Run your hand along the inside perimeter of your windows to check for cold air seeping inside or try holding a candle up to that area’s closest window and watch the flame. Does it flicker? If so, it’s likely that your windows have draughts.

Attach foam tape weatherstripping around the interior perimeter of your windows to help make your home airtight. Measure each side of your window to determine the amount of weatherstripping you'll need. You can use adhesive-backed foam or tape weatherstripping that comes in a variety of widths that you can cut to fit your window measurements.

Frames The strength of your window frames have a great effect on heat loss. The most energy efficient window frames are made from materials that won't transfer heat and cold, such as timber, fibreglass, uPVC or combination frames composed of composite wood products, such as particleboard and laminated strand lumber, and others mixed with polymer plastics.

Although very strong and light, metal frames, including aluminium ones, conduct heat very rapidly, which makes

metal a very poor insulating material. To reduce heat flow, metal frames should have a thermal break -- an insulating plastic strip placed between the inside and outside of the frame and sash.

Curtains Curtains, pelmets and blinds are one of the cheapest, most effective ways to keep your home warm, effectively reducing the loss of heat by up to 10%.

Choose closely woven, thick curtains with special thermal linings and hang them above the top of the window, allowing the bottom edge to touch the window sill or the floor to completely cover the window. A pelmet effect can be as simple as draping a long scarf over a wooden curtain rod. Curtain tracks provide a return of curtain to the wall that creates a seal.

Close as the sun goes down to keep heat inside and prevent heat escaping.

Sunlight If you are planning a renovation or a new build, capture as much natural sunlight as possible by orienting towards the north, west or east the windows of the rooms you will spend most time in – the kitchen, your office, the lounge room and entertainment areas. These areas will not only be warmer but more inviting when the winter sun peeks through.

Double glazing If you are building new or replacing window glass, now is the time to invest in double glazing. Traditional windows contain just a single sheet of glass; double glazed windows are comprised of two sheets of glass separated by an insulating air gap. This air gap creates an additional layer of insulation, preventing heat loss while still allowing sunlight into the home. Double glazed windows are more expensive than single glazed but the initial set-up costs are offset by the savings that come from reduced energy use.

Deciduous plants Placing thickly leaved plants outside a window is usually advised to cool a room. By planting deciduous ones that will shed their leaves in autumn, you will allow more sunlight to penetrate inside during winter.

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

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

findmaroondah.com.au

In April, the Commonwealth Games Federation announced Victoria as the host of the 2026 Commonwealth Games. It has since been decided that the opening ceremony will be held on March 17 2026 at the MCG, with the next 12 days being full of competition, culminating on the 29th.

JULY 2022 | FIND MAROONDAH

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Commonwealth Games 2026

By Warren Strybosch

The Commonwealth Games were last held in Melbourne in 2006 but have also been held on the Gold Coast (2018), Brisbane (1982), Perth (1962), and Sydney (1938).

In a Commonwealth Games first however, the games will not be held in just one location, but instead will be showcased in four regional locations around Victoria– Geelong, Bendigo, Ballarat and Gippsland. This is a boon for these regions as they will receive a boost to their local economies with additional spending from the government in the lead up to the games. Community infrastructure will be improved and thousands of jobs will be created in the lead up to the games as well as during.

Hamilton, Canada, hosted the first Commonwealth Games in 1930 with just 11 Countries, 59 events (6 sports) and

400 athletes. For Melbourne in 2026 we can expect in excess of 70 countries, 280 events and 4500 athletes. Expressions of interest are currently open for the inclusion of additional sports. International sporting federations in conjunction with Australian sporting organisations have the

opportunity to request that certain sports be included in the line-up. Depending on the outcome of this, other Victorian regional areas may have the opportunity to host some of these additional events.

The cut-off date for these submissions is August 19, 2022.

Metcash lifts FY profit amid inflation Earnings in the hardware operations, which includes Mitre 10 and Home Timber & Hardware brands, rose 41 per cent to $191 million, while sales increased 21 per cent to $3.1 billion.

(Australian Associated Press)

Food and beverage wholesaler Metcash has reported record annual sales and lifted full-year profit, but warns food inflation has continued to rise during the second half of the financial year.

Metcash declared a fully franked final dividend of 11 cents per share, up from 9.5 cents paid last year.

The IGA Supermarkets owner and distributor says net profit for the 12 months to April 30 rose 2.7 per cent to $245.4 million.

Sales revenue for the full year were up 6.4 per cent to $17.4 billion, while underlying earnings jumped 17.7 per cent to $472.3 million.

IGA stores continue to gain market share from bigger rivals Coles and Woolworths as shoppers increasingly shift towards neighbourhood and local supermarkets.

Metcash shares rose sharply after Monday’s announcement and were up 3.4 per cent to $4.29 by 1205 AEST.

Metcash said total food sales rose 1.4 per cent to $9.5 billion while like-for-like sales in the IGA network increased 2.9 per cent.

Group chief executive Doug Jones attributed the record sales growth to “initiatives designed to further improve the competitiveness of our retail network, continuation of the local neighbourhood shopping trend, and the success of recent strategic acquisitions”.

The strongest growth came from Western Australia and Queensland.

At its liquor wholesale arm, total sales increased 8.7 per cent to $4.8 billion, while earnings were up 9.8 per cent to $97.4 million.

Mr Jones has warned of external challenges in the second half of the year, including supply chain disruptions and flooding in the eastern part of Australia.

He said food inflation is accelerating within the business, with about 60 per cent of its food and grocery suppliers having asked for price increases.

Metcash said the strong growth momentum has continued, with food sales up 5.0 per cent for the first seven weeks of FY 2023, while hardware sales have jumped nearly 20 per cent and liquor sales rose 8.6 per cent.

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Oh, the pain of interest rate rises

By Warren Strybosch

I don’t know about you, but we are feeling the pain of all these interest rate rises, and I am not sure anyone, except the RBA, knows when they are going to stop.

We were supposed to have had our renovations finished last year but it got pushed out to June and even now we continue to incur delays. This delay has resulted in us missing locking in our interest rate on the new home mortgage (currently the construction loan). We were supposed to have locked the rate in back in January for four years. So, not only has the renovations cost us more due to building supply constraints due to COVID, but we are now going to have to pay higher mortgage repayments over the next four years because of the unforeseen delays – we have missed the ‘fixed-rate’ boat.

Yes, I can hear the “pffts”, and “put your adult pants on” from all those who had mortgages throughout the 1980’s. With the 30-year fixed mortgage rate reaching a pinnacle of 18.4 percent in October 1981 and seesawing down to the 9 percent range by 1986 and closing the decade at 9.78 percent, you might have reason to think we still have it relatively easy.

But as my own children remind me when I start telling my war stories, ‘about when I was young’, that my life is not their life and that I need to have some consideration as to what they might be going through right now rather than being dismissive about it. So, hopefully all of you Baby Boomers, who have already paid off your mortgages, might be able to emphasize with those of us who still have one.

What is happening with interest rates?

On the 5th of July the Reserve Bank of Australia (RBA) announced at its monetary policy meeting an increase in the cash rate by 50 bps.

It marked the second 50-bp hike in a row and followed the 25-bp hike in May, taking the official cash rate to 1.35 per cent, up from 0.85 per cent.

The RBA board’s decision comes as inflation is expected to hit 7 per cent at a time when unemployment rates are low, household budgets are under pressure and global uncertainty remains.

In 1984...

In 2022...

•

The average home cost was $64,039.

•

The average home costs $920,100.

•

The average annual income was $19,188.

•

The average annual income is $90,896.

•

The average mortgage was $42,277.

•

The average mortgage is $618,722.

Deposits then and now 1984

2022

• If the average home cost $64,039...

• If the average home cost $920,100...

• A 20% deposit equals $121,807.

• A 20% deposit equals $184,020.

Governor Philip Lowe anticipates that Australia’s inflation will peak this year before declining back down towards 2-3 per cent, driven by an increasing interest rate environment.

Let's take a trip back to the housing market of 1984 to see just how different buying a house was in the 80s versus today.

Higher interest rates will also help establish a more sustainable balance between the demand for and the supply of goods and services,” he said.

Australian home buyers today must save bigger deposits, borrow much more and face much larger repayments. This means more of their weekly income goes into housing costs today than in 1984.

Ironically, we are experiencing the same run-away inflation that occurred in the 1980’s due to high government spending, increased property prices and people still spending their money. As a result of increased inflation, interest rates continue to rise, and there is going to be a world of pain felt by a lot more people now compared to the pain that was felt in the 1980’s.

Australians now are experiencing it harder The truth is that the average Australian is now purchasing homes that are worth way more than what they were worth in the 1980’s. In fact, the average Australian now is spending on average 10 times their annual earnings on their first home compared to the Boomers who paid 3.3 of their average annual earnings.

The average Australia in 1984 could buy a home that cost 3.3 times their annual income. In 2022, it's 10 times what the average person earns in a year.

Australian buyers in 2022 now have to save much bigger deposits.

Saving a deposit is one of the big challenges for home buyers in 2022. As prices have risen so much, the amount you have to save for a 20% deposit just keeps jumping up.

This is a stark contrast. In 1984, a 20% deposit was 66% of a year's income.

Today, it's 202%.

It would take you just over 2 whole years' of income to save the same deposit.

(Source: finder.com.au) Further hikes anticipated Further rate hikes are anticipated, and it is likely we will see rates increase by at least another 50-bp before the end of the calendar year. Even Brokers are expecting more rates rises to come.

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With a greater amount of uncertainty for mortgagees, and the likelihood of further rate rises, it is important to review your budget and consider what changes have to be made to get through the next few years.

Strategies to consider One way to potential save on costs is to review all your general and personal insurances. Speak to someone at Find

JULY 2022 | FIND MAROONDAH

Insurance (www.findinsurance.com.au) and see whether there is an opportunity to save on premiums.

Also, make sure you have a good mortgage broker to talk to. They may be able to help you find a better rate rather and pay less mortgage repayments each month. Do you have ‘toys’ you can sell? You might want to consider selling some ‘toys’ now before everyone

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starts doing it. This might be a quick way to reduce some of your debt.

Start growing your own vegies. Yep, it takes time but rather than watching more TV, get outside and grow some of your own food. With food prices increasing, you might be able to grow vegies and swap your surplus with others in your local neighbourhood.

Export restrictions push up food prices Dominic Giannini (Australian Associated Press)

Export restrictions in about 24 countries globally are pushing up prices and increasing food insecurity, according to the Australian Bureau of Agricultural and Resource Economics and Sciences.

“Export restrictions reduce the supply of food in world markets and increase prices, creating greater incentives for other countries to restrict exports,” ABARES said.

The latest ABARES Insights report showed food prices have increased 65 per cent in the past two years, and reached their highest level since October 2012.

“For this reason, widespread export restrictions have a negative impact on global food security and hurt the poorest people who are already struggling to put food on the table.”

Executive director of ABARES Dr Jared Greenville said there were lessons to be learnt from the 2007-08 food crisis.

“Often when there is an increase in world food prices, governments respond by placing export restrictions on their own commodities,” Dr Greenville said.

“The aim is to moderate domestic prices and ease the burden on their own populations, which is understandable in the circumstances.” But the report said the 2007-08 global food crisis showed export restrictions are detrimental to global food security, and provide “questionable benefits” to the domestic market.

The report found several factors are contributing to higher global food grain prices, including the Russian invasion of Ukraine, poor growing conditions in major exporter countries, and the impacts of COVID-19.

Tim Harcourt, chief economist at the University of Technology, Sydney, said experts have been warning export restrictions would push prices up and help with increasing domestic food security.

“It’s what a few of us were predicting a few months ago, that we’re going to have a global food crisis,” Professor Harcourt told AAP.

He said the export restrictions have seen price increases to wheat, palm oil, maize and barley. “They (export restrictions) are going to hurt the poorest people who need the food, not just at home but abroad,” he said.

The report concluded there had been an increase in the number of countries introducing export restrictions which could cause world prices to spiral higher.

The Food and Agriculture Organization of the United Nations estimates between 720 to 811 million people faced hunger in 2020, with high food prices making conditions even more challenging.

Governments across Asia, Africa and the Middle East have introduced export restrictions in response to rising grain prices, in an attempt to ease their domestic food prices. “Removing export restrictions, or agreements to avoid implementing them in the first place, can help to ensure food is more available globally and increase the stability of food supplies,” Dr Greenville said.

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Coffee driven COMMERCIAL COFFEE MACHINE

By Ivana Smith

Dealerships Congratulations - you’ve got the sale!

Mr and Mrs X have checked out all the car models you have in the showroom, they’ve done a test drive and now they’re ready to sign on the dotted line.

Now what happens? You go into your office to prepare the paperwork and they sit around and wait … and wait.

When Mr and Mrs X want to upgrade their car in five years’ time, what will draw them back to you? We all know the answer to that – a great customer experience! It’s the little things that count.

So, instead of leaving them to cool their heels while you deal with documents for them to sign, why not give them a treat while they’re waiting. Something as simple as an awesome coffee could be the winning factor to get you the next big sale years later.

It's so easy to install a coffee machine that produces high quality coffee in a variety of styles. No mess, no supplies to order, no machine maintenance required, no need for your staff to morph into the in-house barista instead of doing what they are paid to do. For less than a couple of dollars per cup, inclusive of all consumables, you could hire a machine that is equipped and run by the installer.

All you need to do is provide a power point and a space to set it up!

Automotive workshops Six months after Mr and Mrs X have bought their car, they will need to take it for a service. Mechanics usually prefer cars to be delivered by 8.30 am which in winter means a cold, early start to the day. Why not install a coffee machine to provide a warm drink for your customers to cheer them up? They will probably appreciate you for the rest of the day.

Talking with the mechanic before and after can take time and there may be a queue for paying the bill. Again, a quality coffee could be a selling point to gain and retain more customers in your automotive business. Your employees will love you for it as well.

Driving schools If Mr and Mrs X are the parents of kids in their middle to late teens, they now face the expectation of them wanting to learn to drive. Mr and Mrs X don’t want their children to learn from a driving school that pick kids up from their homes. They have consulted and picked one, yours, that has premises where children can safely learn to drive off the main roads but in conditions that simulate real traffic.

Have you thought of how stressed these parents can feel? Apart from the issues of safety, they are now confronted with their ‘baby’ growing up and entering the adult world. While they wait for their child to finish their driving lesson, as they are

musing on feeling older, why not soothe them with a surprise – a superior grade coffee with superb flavour or even a scrumptious hot chocolate.

A coffee machine can easily be installed in a corner on a table. With cups, coffee, sugar and hot chocolate powder supplied, there’s never a need to run to the shops to stock up on products.

The staff will not be required to clean up a mess of mugs in the kitchen. The machine will not break down as it will be constantly maintained by the installer.

If you run or are employed by a car dealership, an automotive workshop or a driving school, do you operate your business near to a local café? If your premises are too far away for your customers to walk or drive to get a coffee, talk to a coffee machine supplier about the advantages a coffee machine could bring to your business.

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

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

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What’s Powerful about this?

NATURE & CONSERVATION Photo by: Australian Geographic

By Liz Sanzaro

A group of researchers from Deakin university have been involved with this magnificent species the Powerful Owl, now for over 20 years. Recently a small team of two professors and some PhD students, have been stepping up greater monitoring. The team is known as Deakin University Powerful Owl Research Team (DUPORT) The most important factor threatening the Owls survival is increased urbanisation and landscape changes that impact this apex predator’s behaviour. The team is also needing to identify if there are any solutions that can contribute to conservation of the species.

and found lots of evidence of them in a second reserve. One of the PhD students from DUPORT also tracked them to two other reserves. At this stage there have been no examples of nesting pairs identified in our area. Most likely they are flying in to use our reserves to forage for food.

While a nesting pair has not been observed in Maroondah, it is possible, they may be hiding in plain sight. And Nicholas Carter from DUPORT suggested the following ways in which us residents can help.

He recommended the following • Reduce and avoid impacts to native vegetation, particularly hollow-bearing trees, to continue supporting foraging and potential future roosting/nesting behaviours.

So please think hard before getting a big old tree removed due to dropped branches, it is these wounds on a tree that become nesting hollows • Council can and will prioritise habitat restoration and retention works near already existing habitat to expand wildlife corridors and connect isolated habitat patches •

Photo by: Nicholas Carter

In 2016, the team began tracking them to discover what they do at night, where they roost during the day, and how the owls identify resources that are important to them. Conservation groups of course are always keen to assist in any way to manage them, and mitigate threats.

Locally one of our Maroondah Council environmental contractors saw an owl in one of our local reserves last year,

•

Advocate and support private landowners to keep and plant native vegetation on their property (Powerful Owls do not discriminate between private or public land!)

Keep outdoor lighting to a minimum, All bird species suffer from light pollution, it messes with their ability to function, just as it does for us humans, if we don’t get darkness for sleeping Please do not put out rat or mouse bait, instead get a trap. Baits readily bought at the hardware store are ingested by owls, second hand as they easily find any slow-moving dying animal which is often a ring

tail possum that has eaten the poison, which apparently is tasty to them too.

•

Rodenticide kills the birds too!! This is verified by vets doing post mortems on dead Owls. Anything we can do to reduce the potential of these chemicals reaching owls would be great.

Powerful Owls with ringtail prey.

The 2022 breeding season is right on our doorstep, with the owls undertaking their courting and mating behaviours in April and May. Females should start entering a large hollow-bearing tree between late-May to mid- June to lay and sit on the eggs. Take note of where owls are roosting between May - September because the nest tree is likely not too far away.

If breeding and rearing was successful, one or two chicks should fledge lateSeptember (AFL Grand Final day is our milestone for fledge day!). Our team is very keen to document the breeding outcomes of as many owl pairs as possible this breeding season. If you know of any nesting trees, or wish to monitor the breeding behaviours of your local birds please let the team know.

For more Powerful Owl content (and regular updates on DUPORT’s research), follow this Instagram account - @du_powls

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

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ATO: Common myths about work expense deductions ACCOUNTANT

By Warren Strybosch

The ATO is trying to make it easier for those preparing their own tax returns to understand some of the common mistakes that are made when claiming deductions in their returns. The ATO has listed some common myths about deductions which may lead you to make an incorrect claim. Here are some of the most common ones: Clothing and Laundry Expenses Myth: Everyone can automatically claim $150 for clothing and laundry expenses , 5000 km under the cents per kilometre method for car expenses, or $300 for work-related expenses, even if they didn't spend the money.

Fact: There is no such thing as an 'automatic' or 'standard deduction'.

Substantiation exceptions provide relief from the need to keep receipts in certain circumstances. While you don't need receipts for claims under $300 for work-related expenses, $150 for laundry expenses ( note: this is for laundry expenses only and doesn't include clothing expenses) or if you are claiming 5,000 km or less for car expenses under the cents per kilometre method: • • •

• • • •

you must have spent the money it must be related to earning your income, and you must be able to explain how you calculated your claim.

See more: Laundry expenses Car expenses Substantiation requirements Exceptions and relief substantiation requirements

supplier was and when you paid. Bank or credit card statements alone don't have this information. The only time you don't need these details is if substantiation exceptions apply.

•

Sun Protection and/or makeup Myth: I can claim makeup that contains sunscreen if I work outside.

Fact: Cosmetics are usually a private expense and the addition of sun protection doesn't make it deductible.

However, it may be deductible if the primary purpose of the product is sunscreen (that is, it has a high SPF rating), the cosmetic component is incidental, and you need to work outdoors in the sun.

See more: • Sunscreen Gym Membership Myth: I can claim my gym membership because I need to be fit for work.

Fact: Very few people can claim gym membership fees. To be eligible, your job would have to depend on you maintaining a very high level of fitness, for which you are regularly tested, for example special operations personnel in the Australian Defence Force.

•

See more: Gym fees expenses

and

fitness-related

•

See more: Clothing expenses

Streaming Subscriptions Myth: I can claim my pay television subscription because I need to keep up to date for work.

Fact: A subscription to pay television is not ordinarily deductible. Keeping up to date on news, current affairs and other general matters usually won't have a sufficiently close connection with your employment activities to provide a basis for deducting these subscriptions. They are essentially private expenses.

•

See more: Pay television and streaming services

Travelling to work Myth: I can claim home to work travel because I need to get to work to earn my income.

Fact: For most of us, home to work travel is a private expense.

•

See more: Transport expenses

Phone and Internet Usage Myth: I've got a capped phone and internet plan, so I can claim both business and private phone calls and internet usage.

Travel Expenses: a holiday before or after a conference Myth: I can claim all my travel expenses if I add a conference or a few days' work to my holiday.

Fact: Unless you only use your phone and internet for work, you have to apportion the cost between work-related and private usage and only claim the workrelated portion of your expenses.

Fact: If you decide to add a conference or some work to your holiday, or a holiday to your work trip, you must apportion the travel expenses between the private and work-related components and only claim the work-related component.

See more: • Phones and other telecommunication devices • Internet expenses

• from

See more: Substantiation requirements

clothing you are required to wear to earn your income, you won't be able to claim it. Plain clothes, like black pants, aren't deductible even if your employer told you to wear them.

•

See more: Conferences, seminars and training courses Overnight travel expenses

Proof of payment Myth: I don't need a receipt; I can just use my bank or credit card statement.

Clothing Expenses Myth: I can claim my work clothes because my boss told me to wear a certain colour.

Fact: To claim a tax deduction, you need to be able to show that you spent the money, what you spent it on, who the

Fact: Unless your clothing is a uniform that is unique and distinct to your employer, or protective or occupation-specific

(Source: ato.gov.au)

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

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

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By Jodie Moore

There has been much debate in the news in recent months regarding transgender athletes competing in sports alongside people they most closely associate with.

On one side, you have arguments for them being included. If they associate as a female and have transitioned to being a female, then they should be treated as female and compete against other females. On the other hand, you could argue that although they associate as a female and are having hormone replacement therapy to become ‘more female’ they are still built like a man with a man’s strength and size. I think we can all agree that the top female swimmer in the world still can’t compete against the top male in the world and expect to win.

So how do we resolve this?

In a world first, Fina, the swimming’s world governing body has voted against allowing transgender athletes to participate in elite women’s swimming events. Of the 152 Fina members who voted, 71% decided that transgender athletes should not be allowed to compete in these events if they have started puberty as a male. This essentially means they would have had to start the process to change their gender before they turn 12, a controversial topic on its own.

transgender in sports Almost immediately after this decision

by Fina, the International Rugby League announced a ban on female transgender (male to female) players from participating in international rugby league events until they can undergo further research.

The British Triathlon Federation has also made changes to their policy towards transgender athletes. Any transgender athlete older than 12 years of age will not be able to compete against femaleborn athletes. Instead they have created an open category for male transgender, female transgender and non-binary (but male sex at birth). This decision was made after 80% of 3000 members of the British Triathlon Federation surveyed supported the change.

The UCI, the World governing body for Cycling has updated their policy requiring a rider who is transitioning from male to female to double the time required with lower testosterone before they can compete from 12 months to 24 months. They have also lowered the allowable plasma testosterone level from 5 nmol/L to 2.5 nmol/L. It appears there is a huge movement going through the sporting community at the moment. What are your thoughts on this subject? Is this fair? Is it on par with the movement of women into traditionally men’s sports such as football? Email us at editor@findmaroondah.com.au and share your views. We will publish some of the responses next month.

Pilots pressured to fly while tired: union

By Liv Casben (Australian Associated Press)

“The (survey) results show workers continue to bear the brunt of aviation’s peaks and troughs while profit-fanatic executives draw bonuses and exorbitant salaries.

Australian pilots are being pressured to fly while tired and work around “unstable” rosters, according to a union survey.

“We need a commission to rebalance aviation, support good jobs, and ensure Australians can always rely on safe and secure skies.”

The survey by the newly-merged Transport Workers Union and Virgin Independent Pilots’ Association has highlighted concerns about job security after thousands of aviation workers were stood down earlier in the COVID-19 pandemic.

Of the 150 respondents from multiple companies, more than half said roster uncertainty was pressuring pilots to work while tired or unfit to fly. The vast majority expressed concerns about fatigue management and believed there was a growing trend towards insecure work.

Workers will meet in Perth on Tuesday for the official launch of the TWU’s pilots division after the merger was recently approved by the Fair Work Commission.

Rex pilots, represented by the Australian Federation of Air Pilots, last month voted to take protected industrial action after years-long wage negotiations stalled.

One respondent to the TWU survey said industry morale was at an “all-time low”, with the pandemic used as an excuse to erode wages and conditions.

“Bringing pilots into the TWU means all aviation workers benefit from the might of collectivism, from the ground and baggage room right through to the flight deck,” TWU national secretary Michael Kaine said.

“Very few pilots would view this as a sustainable career in the long term anymore,” another respondent said. “We have no job security, are asked to work more for less and have no control of our lives due to rostering practices.”

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Breastfeeding for the second time

without compromising their latch.

LACTATION CONSULTANT

Three Top Tips to Remember When Feeding a Newborn Again:

By Dr. Joanna Strybosch

When a woman has breastfeed a previous baby, there may be an assumption that she will just know what to do when her next baby comes along.

1.

Although prior breastfeeding experience is helpful, in my experience as a lactation consultant, I find that oftentimes mums need a refresher on how to position and latch a newborn. Afterall, the last baby she breastfed would have likely been an older baby, or even a toddler. Feeding a newborn is very different to feeding a toddler. The way she approached feeding her last baby will not be the way she begins with her next baby. It is important for mothers to realise this to avoid the mistake of assuming her newborn has skills that he has in fact not yet acquired.

Breastfeeding a newborn is different to feeding an older baby and requires attention to specific aspects for best success. Newborn babies have to learn the skill of breastfeeding and they need certain things to be optimal to help them in that learning journey. Older babies have more mature sucking skills and have far greater head control and therefore they can be much more adaptable and flexible with their positioning

Ensure babies lower arm is around mum. When feeding a newborn in the cradle hold position, one of the commonest mistakes I see is forgetting to get the lower arm out from under baby and put it around mum. Babies have a reflex called the Asymmetric Tonic Neck Reflex (ATNR) that makes them extend and straighten their arm on the same side as they turn their head. Having baby’s arm extended as they are brought to the breast will help baby turn towards mum and not away.

This reflex can be used to great affect in helping a newborn baby learn to locate the breast. In addition, this position will encourage maximum closeness between mother and baby’s bodies, which is ideal for optimal positioning and a deep latch.

2.

Babies are more stable when they are lying on their front, not on their back. Mum should recline as much as possible and have her baby lying on her tummy, on top of her. This will allow baby to have maximum contact with her mother’s body and

assist her stability at the breast. This prone position will also help avoid triggering the Moro (or startle) reflex.

3.

Have baby’s head and spine in alignment during latching and feeding. When the head and body are in a straight line, not turned, swallowing is easier. You only have to try swallowing a mouthful of liquid whist looking over your shoulder to know how uncomfortable this is.

Older babies can easily sit on their mums lap and twist their body or turn their head to locate and latch onto the breast. But a newborn needs their head and body aligned to allow the most optimal latch and swallow.

For more advice about feeding your newborn and for personalised information see your local lactation consultant. IBCLC’s are the leading experts on lactation advice.

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

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

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List Your Aged Care Facilities with Find Aged Care Services Website Today.

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

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

For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services.

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

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

Meet our Power 50.

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Is Now The Best Time To Fix The Rate On Your Home Loan?

MORTGAGE BROKERING

2.

Most flexible features are unavailable Flexible features that are standard on most variable rate loans are either not available or offered with reduced benefits on a fixed rate loan.

3.

Potential to lose on the interest rate bet Fixing a rate is effectively betting that the fixed rate will be lower than the variable rate for the time you choose to lock in for. In a volatile interest rate environment, where variable interest rates are dropping, if you have a fixed loan your rate will not reduce.

The inflexibility of the fixed rate which is great in stable environments can be a curse at other times.

4.

Potential for higher repayments once the fixed rate expires A large number of borrowers have fixed their rates at historically low rates for the next few years. Once these rates expire the new interest rate will have increased significantly during this period, so their loan repayments could be much higher than what they have been used to paying. Borrowers may be in for a rude shock in the next year, depending on how long they locked in for when rates were much lower.

By Reece Droscher

As a mortgage broker one of the most common questions I receive from clients is whether they should fix the interest rate on their Home Loan. With interest rates rising and the cash rate increased just last week by a further 0.50%, borrowers on variable rate loans are seeing their loan repayments increased significantly from where they were only a few months ago.

dollars. For example, if you were to fix a rate today you could lock in for 4.59% for two years with some lenders. These same lenders have variable rates at 3.34% after the most recent rate rise, so you are looking at a difference of 1.25% to lock in a rate. If the variable rate was to keep rising, by locking in now you could save interest, however there is a risk that fixing now could cost you money too.

With commentary from the Reserve Bank indicating that they will use interest rates as a tool to reign in inflation, lenders have lifted their advertised fixed rates, particularly in the popular 2 and 3 year fixed rate products, from around 2% late last year to close to 5% now. This is much greater than the increases to variable rates, although with further increases in the cash rate expected this situation may change.

Fixed rate loans are priced differently to variable rates and the recent significant increases are due to issues not linked to local inflationary pressures, although this is part of the problem. Banks and other lenders need to borrow money to be able to then lend it out to Home Loan customers, as they don’t hold sufficient deposits in bank accounts to cover the demand for lending. They access this from a number of different areas, with a large proportion borrowed from overseas banks. As the cost of money from these sources has increased, the extra costs are being reflected in the rates offered by lenders here.

Given the current interest rate uncertainty is now the best time to fix the rate on your Home Loan? There are advantages and disadvantages to locking in your interest rate which would determine if fixing your rate is the best option for you.

Advantages 1. Security When you fix a rate on your Home Loan you are guaranteed that the rate will not change for the period you have fixed for. This means your repayments will also remain unchanged which is helpful for household budgets.

2.

Potential Money Saver If you are able to fix your rate at the right time you will save money on interest, potentially thousands of

3.

Some Flexibility Most lenders will allow borrowers to make additional repayments when they have a fixed rate loan without incurring a penalty. It is most common for any extra repayments to be capped at a maximum $10,000 per year.

Some lenders also offer the ability to have an offset account linked to the fixed rate loan to help reduce interest costs further, although these are generally only partial offsets usually 40%. For example if you had a $1,000 balance in an offset account only $400 of that balance would be offsetting your loan.

Disadvantages 1.

Penalties may be payable for early repayment If you become dissatisfied with your lender, decide to sell your home or you simply want to take advantage of better deals elsewhere, when you are locked in to a fixed rate you could be charged a substantial interest penalty to break the contract. A complex formula is used to determine what the loss to the lender would be if the fixed rate contract is broken which is outlined in any Home Loan Contract. This penalty could offset any benefit you received by locking in originally.

Split Loans If you can’t decide which option is the best one for you it is possible to hedge your bets. Lenders also offer a split loan option which means you can have a portion of your loan at a fixed rate and the balance on a variable rate. By splitting your loan you retain the flexible repayment features of a variable rate loan, as well as having some of your loan locked away securely on a fixed rate for a few years.

It is always a great idea to speak with a mortgage broker who can guide you through the process, advise you on which loan structure would suit your needs best and recommend the most suitable lender to meet your requirements.

At SHL Finance we are available to speak with you at any time. We are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save clients thousands of dollars. We would love the opportunity to help you too. Please call Reece Droscher on 0478021757 to discuss your options.

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LOOKING FOR SPONSORS Peter Horton

Whether you are involved with a Sporting Club or a Community Organisation I have no doubt your club or organisation would be seeking to increase their annual sponsorship dollars.

Have you taken the time to analyse how you go about seeking sponsors?

Have you appointed someone in your club or organisation who has the responsibility of both retaining and adding new sponsors and subsequently building your sponsorship revenue stream?

Should your club or organisation have a person sales or marketing experience then convince him or her to take on the role.

Look closely at the age demographic of your club/organisation to determine the range of business organisations to be approached that would be interested in using your club to reach their target audience.

Develop sponsorship packages that clearly define the benefits that a sponsor will achieve depending on the level of sponsorship they agree to.

Look at producing an introductory letter that would be sent out to prospective sponsors.

your letter and that you are seeking the opportunity to meet and discuss your clubs/organisations sponsorship packages.

A word of advice – don’t try to target too many business organisations at the one time – remember you will need to contact the people you have written to.

Do not send out letters or in fact emails to Dear Sir/Madam – take the time to find out the most relevant person to write to.

Plan to undertake the mail out of letters and or emails on a regular basis – the letters/emails are sent out and the following week you start making your calls seeking to make an appointment.

Make sure in your letter you promote your club/organisation in the best possible way clearly outlining the objective of

If you leave the follow-up for too long by the time you make the call the person you have written to will either have

forgotten what it was about or decided that he/she is not interested in discussing a sponsorship.

Look at the businesses in your local area – do you think they provide services and or products that meet the membership demographic of your club or organisation.

Should you be the person to take on the role see if you can get a small team together to share the workload.

Getting sponsors for your Club or Community Organisation is on-going but at the end of the day if you can attract additional sponsors then you and your team can claim success.

Take the Photography Challenge at Miller's this winter!

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Risk Management - From the Underwriters’ Perspective

the company’s reputation, liquidity, and overall financial muscle in catastrophic events. This is essential in assessing the reliability and adequacy of catastrophic risk reinsurance and retrocession to reduce the impact of conceivable company’s disasters thus ensuring the survival of the enterprises.

GENERAL INSURANCE

By Craig Anderson

Have you ever wondered what an insurer looks for when assessing the suitability of a potential new insured? The following article is penned by a highly experienced and respected underwriter by the name of Jeremy O’Connor, who describes succinctly what underwriters want and why they want it.

“Risk management in insurance is the practice of identifying potential risks in advance, analysing these risks and taking precautions to mitigate the chances of potential claims. This usually involves the planning and implementation of procedures and processes that will reduce the likelihood of future claims.

Risk management procedures help businesses insureds to identify potential risks in the day to day running of their businesses and provide an action plan to prevent future claims. The below provides a guideline for what insurers look for when assessing the suitability of potential insurance risk in terms of risk management.

2.

3.

4.

5.

What is the main purpose of risk management?

Risk Analysis – The identification of the effects of risks registered.

Risk Evaluation – Identifies and determines the risk magnitude, likelihood and consequences that risk may bring about in the day today business activities. This also helps businesses decide which risks warrant serious consideration or treatment.

Risk Treatment – Developing a risk response plan. At this stage, businesses can assess the highest risks and develop a risk response plan. This includes the creation of risk mitigation strategies, prevention plans and contingency planning.

Monitoring and Review – Using a risk register will help businesses monitor, track and review risks. Putting a framework around these risks will help de-risk any potential claims or incidents from occurring.

The main purpose of risk management is to identify potential risks before they occur in order to plan risk handling activities in advance which in turn mitigate adverse impact to achieving project objectives.

Insureds must consider various risk factors in the project life cycle. Having risk management procedures and processes in place helps prevent potential financial, personal injury and environmental losses from occurring. Effective risk management procedures provide a plan for smooth workflow thus maximizing on productivity and revenue generation.

What are the 5 key areas that insurers look for when evaluating a business’s risk management procedures and suitability for insurance?

What are risk management processes and procedures?

2.

Risk Control – The evaluation of the entity’s quality risk management, risk monitoring standards and limits for retained risks.

3.

Extreme Event Management – process of envisioning the impact of likely disasters through scenario analysis and stress testing. This helps in identifying the potential impact to

1.

Risk Identification – Process of uncovering, recognising and describing risk factors that may potentially lead to claims. Various techniques, such as toolbox meetings and SWMS, are employed to help identify potential risks.

1.

Risk Management Culture – The degree to which risk and risk management are important considerations in decision making. It also helps in evaluating a business’s philosophy in regards to risk and risk appetite, governance and organizational structure of its risk management procedures.

4.

Risk & Capital Models – To monitor, control, and manage risk exposures, indicative, predictive, and sensitivity risk measures. Indicative measures are available in accounting, administrative or underwriting systems. Some examples include life insurance sum insured, probable maximum loss, premiums earned, asset values, staff turnover rates and auditing. Predictive measures can be estimated using complicated and simulation models that take into account the expected shortfall and value at risk.

5.

Strategic Risk Management – The risk involved due to the changing technological processes.

It is therefore important for an organization to develop an action plan that will look into risk that will potentially disrupt the operations of the company due to technological shifts

It is important that businesses develop and create risk management plans and procedures to help reduce the likelihood of future claims or incidents from occurring. Having a simple and effective risk management plan helps businesses create credibility in their respective marketplace which hence attracts a higher sophisticated customer base leading to greater profitability.”

Many thanks to Jeremy O’Connor for granting permission for me to reproduce this article.

For a health check of your business insurance, contact Small Business Insurance Brokers via email: sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

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SIGNAGES

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The Signarama Diferrence

By Glenn Martin

Why use Signarama for your Vehicle Signage?

We understand that you are busy and want to achieve excellent results for your business with minimum time investment.

With our international resources, we utilise the latest technology and techniques to produce top quality results at the best possible price.

SPECIALIST GRAPHIC DESIGNERS Wrapping a car requires very specific design skills. Our team have designed thousands and are specialists at designing for a 3-dimensional object.

After our Sales Team measures and photographs your vehicle, our Vehicle Graphics Design Team will meet with you to discuss your requirements, gather all of the required elements such as logos, colours, photos, etc, then design some concepts for you to approve.

The concepts are superimposed on to the photos of your vehicles to size and scale, making the approval process much easier for you.

AUSTRALIA’S LARGEST NETWORK OF SIGN CENTRES We have more than 100 Signarama Sign Centres Australia wide.a Through our network of stores, we can manage your signage nationwide through one single point of contact.

PARTNERS IN BRANDING SOLUTIONS Signarama is more than just your signage company. We can brand everything from pens through to corporate head offices.

Anything you can think to put a logo on, we can help! We are in the ‘branding solutions’ business.

QUALITY INSTALLATION BY TRAINED AND EXPERIENCED APPLICATORS The greatest film in the world is ineffective unless it is adhered to your vehicle correctly.

Our installers have passed a rigorous procedure. This includes carrying the correct liability insurance, passing a rigorous handson test, and commitment to following proper procedures.

HIGH QUALITY MATERIALS At Signarama, we always recommend the highest quality materials. Your

business signage is a reflection of your company and what you stand for – and this should only be the best.

Side by side, 2 very different vinyls can look exactly the same. This can hide the real story behind the vinyls. We only use vinyls of the highest quality. All our full colour prints are laminated in a quality clear film that protects the print, and further extends the life of the graphics.

RESEARCH & DEVELOPMENT Since 1986, Signarama has continued to research and develop new signage solutions for our customers.

Our size and our exposure to national and international world-leading technologies, means that we can bring you some of the most creative solutions available for your business.

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Personal Insurance – How much cover should I have?

FINANCIAL PLANNING

Income Protection Required Insurable Income

By Warren Strybosch

Last month I shared with you two stories about people who had personal insurance. The first person had it, cancelled it, and then was diagnosed with terminal cancer. The second person, had it, wanted to cancel it but thankfully spoke to me before they cancelled it and we managed to get the client over $400,000 in claim payments. The need for personal insurance is a real one.

This month, I want to provide a guide as to how much personal insurance you should consider taking out. This is only a guide, and you should seek professional advice from a licensed financial planner before making any decisions regarding personal insurances. We suggest you book in a time with an advisor like myself (https://calendly.com/findgroup/15minute-phone-conversation) to discuss your insurance needs.

We will help you work out what you need and provide you with a Free Insurance Report containing quotes for your consideration.

$0

70%

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to future education costs, you estimate how much you are spending each year on kids’ education and multiply that by the number of years left before each child finishes high school. For instance, if your education costs are $12,000 per year, you have three children and the total number of years left for all three children is 8 years, then multiply $12,000 x $8,000 = $96,000. This figure would go also under Life, TPD and Trauma.

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

When working out how much cover you will need you have to take into account the following: debt, future education costs, medical costs, modification costs, tax, and other costs, that might have a bearing on our future financial situation, should we suffer an illness or injury (refer Table 1: Working out Cover you need (Basic)).

Provision for Tax

$0

$0

$0

Table 1: Working out Cover you need (Basic)

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

Client

Client Capital Requirements

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Income Protection Required Insurable Income

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$0

$0

$0

Future Education Costs

$0

$0

$0

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Client

Total Insurance Required

$0

$0

$0

Capital Requirements

Capital Requirements

Income Protection

$0

70%

Medical costs vary between advisors. Given it is hard to predict what the out-of-pocket medical costs will be if you suffer an injury or illness, advisors tend to pick an arbitrary figure. For myself, I have done some research in out-of-pocket medical costs, and I found that leukemia was one of the costliest illnesses a family would have to deal with. It is estimate that the out-of-pocket costs for leukemia is about $150,000. As such, I use $150,000 in my calculations.

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Waiting Period

30 days | 90 days | 180 days

Medical Costs

$150,000

$150,000

$150,000

Benefit Period

2 years | 5 years | up to Age 65

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Required Insurable Income

$0

70%

Let’s start by considering your debt. Assuming you had a mortgage of $500,000 and other debts totalling $35,000 e.g., credit card or car loan, you would then place the total amount of debt in the Liabilities row under Life, TPD and Trauma.

Client

Life

TPD

$0

$0

$0

Total Insurance Required

$0

$0

$0

Trauma

Capital Requirements Liabilities to Clear (Mortgage)

Other Provisions

Income Protection Required Insurable Income

$0

$535,000

$535,000

$535,000

Waiting Period

30 days | 90 days | 180 days

Future Education Costs

$0

$0

$0

Benefit Period

2 years | 5 years | up to Age 65

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

70%

When it comes to modifications to home or car, this is where I do use an arbitrary figure of $100,000. If someone suffers a major Total and Permanent Disability (TPD) and needs wheelchair access, the cost could easily be $100,000 to upgrade the car and modify access to the home, bathroom, toilet, etc.

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I am going to jump to Income Protection Cover as this will have a bearing on Other Provisions and Provisions for Tax. Laws have changed and most insurers will now only allow you to cover 70% of your earnings. So, if you are earning wages of $120,000 per tax, they will only allow you to insure yourself for $84,000 ($120,000 x 70%) or $7,000 per month.

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

$0

$100,000

$0

Capital Requirements

Modifications to Home/Car Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Income Protection Required Insurable Income

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

For Other Provisions, we include Funeral costs of $25,000 under Life. Under TPD, assuming you are getting Income Protection Cover, we calculate how much income you would not have received from income protection e.g., 30%, and multiply that by the number of years left until you are able to apply for the age pension at age 67. If your wages were $120,000, then 30% would be $36,000. If your age was 52, you would have 15 years until you were able to apply for the age pension.

Therefore, we multiply 15 x $36,000 = $540,000. For Trauma, we ask the question as to whether you need any additional funds before your Income Protection starts to be paid. Given most people are on a 90 day wait then they may need 3 months’ worth of wages (assuming no savings) = 3 x $10,000 = $30,000.

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

$0

$100,000

$0

Capital Requirements

Modifications to Home/Car Provision for Tax

$0

$0

$0

Other Provisions

$25,000

$540,000

$30,000

$0

$0

$0

Total Insurance Required

Client

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to provision for tax, many clients are unaware that if you suffer a TPD event and the TPD is held in super, you will have to pay about $25% in tax on the amount you have insured. For instance, if you have $100,000 of TPD cover in super and are entitled to be paid out, you are likely to lose $25,000 in tax and only be paid around $75,000. So, it is important to consider the tax side of things when it comes to TPD. With our example, assuming the total amount of TPD is to be held in Super then the taxable amount would be around $355,250 in tax.

Life

TPD

Trauma

$535,000

$535,000

$535,000

Capital Requirements Liabilities to Clear (Mortgage) Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$355,250

$0

Other Provisions

Total Insurance Required

$25,000

$540,000

$30,000

$806,000

$1,776,250

$811,000

Income Protection Required Insurable Income

$120,000

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

70% = $7,00 per month

We now have a rough idea as to how much cover we should have in place for Life ($806,000), TPD ($1,1776,250), Trauma ($811,000) and Income Protection ($7,000 per month).

Life, TPD and Trauma are lump sum payments. This means that if you have an illness or injury and meet the insurers definition for a payout, then you or your loved ones will receive these amounts as a lump sum.

Income protection is not a lump sum payment but a regular monthly payment to replace lost income from injury or illness.

After the waiting period has passed, you will start to receive payments until you return to work or for the length of your benefit period, whichever occurs first.

Needless-to-say, those of you who have a mortgage or debt, the amount of insurance you should hold will be higher than those without debt. Once you have an idea as to how much cover you need, the next step is to work out how much cover you can afford. I call this the difference between what is ‘ideal’ (what the advisor works out) to what is ‘real’ based on your cash flow and affordability. I jokingly state that the two shall never meet because it is not often that clients are able to afford the ‘ideal’ e.g., all the cove, that has been calculated.

Once you decide on how much cover you require, then you need to request quotes to determine if the amount you requested is in fact affordable. You need to be aware, when requesting quotes of the following: a. b.

Income Protection Required Insurable Income

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c.

d.

e.

Level vs Stepped – if you are young, you should consider Level premiums.

First year premium compared to cumulative premiums – it is now law to be told what your cumulative premiums will cost under Stepped and Level cover and not just told the first years Stepped premiums.

Industry default cover vs Retail cover – it is often cheaper to obtain Life and TPD via a retail insurer than via your industry fund. These days you can have industry fund super but hold your insurance in super somewhere else.

You don’t have to have your insurance with your super fund anymore.

TPD ‘Any’ vs TPD ‘Own’ definitions – super funds do not offer TPD ‘Own’ cover. You should consider having TPD ‘Own’ definition, especially if you are a professional or work in an office type roll. Everyone should try and obtain TPD ‘Own’ if they can.

IP and TPD in super or Super-linked – if you have a mortgage you might like to consider taking out Superlinked IP or TPD.

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We will discuss in further details the above, but it is worth noting that personal insurance is not just about the amount of cover you should get. There are a lot of other factors to consider. Therefore, it is important to speak to a qualified financial advisor about your personal insurance needs and not to simply read a book that tells you to take out cover with industry fund. Industry fund cover is ‘good’, but it is not ‘better’ or ‘best’ practice. That type of simply advice might have applied 10 years ago but it does not apply now. If you simply take out cover with an industry fund you are likely to pay more in cover and be provided with sub-standard terms.

insurances sorted out once and for all. Rather than putting it off, spend 30 mins having a conversation to work out what you need, and finally put this to bed knowing you and your family will have the right amount of protection in place for your current needs.

This information is current as at June 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

Just to re-iterate, the above figures are a quick way to work out the amount of cover you might need to consider having but we strongly recommend you seek advice from a professional licenced financial advisor and do this process correctly and get appropriate quotes once you know how much cover you wish to have in place.

Book a time with myself (https://calendly.com/findgroup/15minute-phone-conversation) and get your personal

responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

Strong outlook for Australian agriculture Mr Smith said beef, sheep meat, wool and dairy production were all forecast to deliver strong results in the second half of 2022.

He told AAP that while global trade conditions have been challenging for some exporters, Australia has also been able to diversify the number of countries it sells to over the past year.

By Liv Casben (Australian Associated Press)

Wet conditions across parts of the country haven’t dampened Australia’s agricultural outlook according to the latest report from Rural Bank.

strong production across most agricultural sectors. The report doesn’t account for this week’s wet weather across NSW.

Australian farmers continue to cash in on high commodity prices and strong production despite a volatile global environment, according to the bank’s half yearly outlook report.

Wet conditions are forecast to continue through to September across much of the country with the chance of a third La Nina weather event over the summer.

Southern parts of Western Australia and Tasmania will likely see average rainfall.

Rural bank’s Andrew Smith says strong seasonal conditions for most of the country has seen strong results for farmers with forecasts that will continue.

“It’s a good outlook and quite positive, and it’s great to see this three years in a row for our producers … where we’ve had good conditions across both the seasons and commodity prices,” Mr Smith told AAP. While heavy rainfall and flooding has provided a challenge for producers in Queensland and NSW, seasonal

The forecast is for above average Australian winter crop production for a third season in a row thanks to favourable weather conditions in most parts. Horticulture is also expected to see a return to strong production, after flooding in Queensland recently impacted supply.It’s expected the wet conditions will provide a boost to the nation’s cattle herd and sheep flock which are continuing to rebuild after the drought.

“For example lamb, we’ve been growing pretty strongly our lamb exports into the US for the last couple of years, but this last 12 months we’ve seen markets like the UAE, South Korea, Malaysia, Saudia Arabia increasing as well.”

Australian sheep meat, almond, wool, lentil, and wine producers are expected to see big benefits from improved access to the Indian market with the recently signed interim Australia-India economic cooperation and trade agreement.

The report concluded the relationship with Australia’s largest trading partner China has shown no tangible signs of improvement with a range of tariffs in place on Australian barley, wine, lobster and beef.

It says little to no supply of grain available from Ukraine has driven strong demand for Australian grain, particular throughout Asia. Mr Smith said seasonal conditions, trade conditions and supply chain disruptions would all continue to impact output in the second half of 2022.

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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

The history of the

Heatherdale Football Club From its beginnings in 1969

By Graeme Woolridge

In 1967 Ray Woolridge took his eldest son Peter for "kick" of footy on the Eastmont Primary School oval. Whilst they were having a "kick", another boy asked if he could join in. At the end of the "kick" he asked "Will you guys be coming again next week. If so, I'll bring a few friends."

And he did just that! Each Saturday morning, more again next week. If so, I'll bring a few friends." And he did just that! Each Saturday morning, more and more boys arrived with Ray and Peter turning up each Saturday. Soon, some of the dads started coming down too for a "look" and wanting to get involved.

In 1968 Ray organised 4 sets of jumpers - Red, Black, Green and Red and games were played amongst those teams.

The "Blacks" won the first premiership coached by Barry Dennis. This informal arragement became the beginning of the Heatherdale Junior Football Club.

In 1969, a team of Under 13's was entered into the Melbourne Boys League. The distance they travelled was vast, and the opposition very aggressive. In 1971, the Club entered teams into teh Doncaster and Districts Junior Football League. In 1972, there were four Under 11 teams.

Coached by Frank Horsnaill, one of these teams won the Club's first premiership.

Frank was a long time curator of the Heatherdale Reserve, Purches Street, Heatherdale. It was also this year, that the new pavilion was used for the first time.

The founder Ray Woolridge was President for the first 3 years from 1969-1971. Ray then went on to coach teh Saturday morning competitions. In 1974, he took on the Under 10's, a role that he did for a long time and was famous for. Kids would come from up to 220 kms away to play at Heatherdale to be part of the spirit that Ray had instilled. The encouragement he gave each and every boy was a joy to their parents.

Ray's unique style of coaching saw him win 4 premiership, and where "runner-up" in 1975 1976, 1977 and 1979. Ray went on to coach until 1990 and was also a trainer at Vermont Football Club for 10 years. He was affectionately known as "The Godfather" for the way he looked after the kids in his charge.

During the late 1970's and early 1980's the Heatherdale Football Club was

unofficially the largest Junior Football Club in Australia. With some 450 boys playing each weel this equates to about 18 teams. The Club wore purple and gold stripes and were known as the Dales. They competed in the DDFL until 1998, when they merged with Heathmont Junior Football Club.

At the time of the merger, Heatherdale was strong club both financially and in terms of its total player membership and was not in need of rescue. Five young players with had been drafted to AFL clubs in five consecutive years with the clubs returning money back to the junior clubs of the draftees. Heathmont at that time.

The merger wasn't a popular move, but the Committee had "run out of steam".

As the area aged, most age group had become short on numbers and the Club no longer enjoyed the success it formerly did. Heatherdale was a proud Club and saw many great people pass through it doors, all who have many great memories.

Graeme Woolridge is the son of Ray Wooldridge.

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

JULY 2022 | FIND MAROONDAH

27

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

Announcement(29-Mar-2022)

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

Consultation

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

Introduced Passed Royal Assent

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

Date of effect

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

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

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

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

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

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

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

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

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

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

Royal Assent(31-Mar-2022)

businesses who claim fuel tax credits.

Date of effect(30-Mar-2022)

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

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

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

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

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

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

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

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

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

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

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

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

Announcement(23-Feb-2022)

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

Consultation period(29-Apr-2022)

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

Released

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

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

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

Announcement(21-Jun-2022) Consultation

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

Introduced(21-Jun-2022)

taxable landholdings.

Passed(24-Jun-2022) Royal Assent

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

Date of effect

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

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

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

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

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

Date of effect(30-Mar-2022)

businesses who claim fuel tax credits.

JULY 2022 | FIND MAROONDAH

29

JULY 2022 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

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Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

JULY 2022 | FIND MAROONDAH

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32

FIND MAROONDAH | JULY 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 RAY WHITE CROYDON VICTORIA 71 Main Street Croydon VIC 3136 9725 744 croydon.vic@raywhite.com www.raywhitecroydon.com.au

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39

Maroondah Council News

JULY 2022

Tips for maintaining your wood heater this winter As the cold snap of winter sets in, the incorrect use of wood heaters can affect air quality and potentially compromise our health.

Maroondah Environment Advisory Committee Chair Councillor Marijke Graham said that due to an increase in enquires and concerns about the use of wood heaters, Council was urging households to check they were being used properly.

“Solid fuel heaters, such as wood heaters and fireplaces, continue to be a valued source of heating for many residents.

Well-operated, they can provide an efficient way to heat your home and should produce heat without smoke,” Cr Graham said.

“But wood heaters that aren’t maintained or used correctly can be a major contributor to air pollution, an environmental nuisance for neighbours, and waste money through unburnt fuel if used inefficiently,” she said.

Check your chimney regularly to see how well your fire is burning. If there is smoke coming from your chimney, increase the air supply to your fire. Your fire should only smoke when you first light it and when you add extra fuel.

“Excessive smoke generated by wood heaters can affect indoor and outdoor air quality and potentially impact people’s health. This is particularly concerning for people with respiratory illnesses, vascular conditions, the elderly and children,” Cr Graham said.

When replacing or looking to buy a new wood heater, look for the Australian Home Heating Association (AHHA) logo and Landcare logos to ensure your new wood heater complies with current Australian standards and has minimal impact on the environment.

•

What to do if you’re concerned about smoke If you’re concerned about smoke from your neighbour’s wood heater, Council suggests first talking to your neighbour as they may not be aware there’s a problem. If this issue continues, or you don’t feel comfortable speaking directly with your neighbour, you can report your concern to Council’s Environmental Health Unit on 1300 88 22 33.

How to reduce wood smoke

Using unseasoned or damp wood that contains moisture can struggle to catch fire, resulting in more smoke and dangerous creosote build-up in the chimney, which is a potential fire hazard.

Simple steps to reduce wood smoke include:

You should also never burn rubbish, driftwood, painted or treated wood.

These are sure to pollute the air and can produce poisonous gases.

•

The Environment Protection Authority (EPA) advises households with wood heaters to minimise the risks through regular cleaning and maintenance; burning dry wood with a bright flame; not allowing the fire to smoulder overnight; and never burning rubbish or treated wood.

•

•

•

•

•

Don’t let your heater smoulder overnight. Keep enough air in the fire to maintain a flame.

Burn only dry, aged hardwood in your wood heater. Unseasoned wood has lots of moisture, which causes a fire to smoke.

Store your wood undercover in a dry, ventilated area. Freshly cut wood needs to be stored for at least 8 to 12 months.

Never burn rubbish, driftwood, painted or treated wood. These are sure to pollute the air and can produce poisonous gases.

When lighting a cold heater, use

•

• •

plenty of dry kindling to establish a good fire quickly.

Use several small logs rather than one large log and stack them loosely in your heater so air can circulate.

Don’t cram the firebox full.

Keep the flame lively and bright. Your fire should only smoke when you first light it and when you add extra fuel. Open the air controls full for 5 minutes before and 15 to 20 minutes after reloading the heater.

Check your chimney regularly to see how well your fire is burning. If there is smoke coming from the chimney, increase the air supply in your fire.

Have your chimney professionally cleaned every year to prevent creosote build-up If you are buying a wood heater, make sure it has a compliance plate showing it meets Australian Standards.

Further information For more tips on how to operate your wood heater correctly, visit the EPA website To make sure your wood heater is an AHHA-certified wood heater, visit the Australian Home Heating Association website The Australian Home Heating Association Inc. (AHHA) is Australia’s the peak industry body representing over 250 manufacturers, retailers, installers, maintenance companies and firewood suppliers within the home heating industry.

MAY 2022

findmaroondah.com.au

JULY 2022 | FIND MAROONDAH

Maroondah Council News What attracts rats and mice to your home during winter?

When the cold weather sets in, so do rats and mice.

As temperatures drop, rodents search out new shelters, opting for the warmth and comfort of the indoors and where there are plentiful food supplies available.

Rats and mice are rodents that carry disease and can be a public health concern in the community. When in the right environment, they breed rapidly and can quickly cause damage.

Rodents have been successful in populating every continent except Antarctica. This is because of their small size, short breeding cycle and ability to eat a variety of foods. They are the second most successful mammal on the planet, second only to humans.

Not all rodents are considered pests.

Many rodents are an important part of the food chain, as they are prey for meateating animals such as native birds of prey, snakes and lizards.

Common pest rodent species in Victoria include the Norway rat, the roof rat and the house mouse.

Although Council does not provide direct pest control services, there are things you can do to prevent rodent harbourage. We recommend maintaining a clean and

hygienic environment and eliminating possible food, water or shelter sources as the most effective way of reducing activity in and around the home.

Apart from actual sightings, there are some tell-tale signs you should be aware of.

JULY 2022

41

Reduce food supply Food products are a prime target for rats and mice. Avoid leaving pet food outside; pick up any fallen fruit and nuts (these along with grains are among their favourite things to eat); keep compost covered; and store bulk foods in air-tight sealed containers.

Keep outside areas tidy Remove garden waste or other disuse materials from your property. Ensure bin lids are secure (If your Council bin is damaged contact our Customer Service Team on 1300 88 22 33).

Use mint as a repellent

Signs you may have a rodent infestation

Rats and mice avoid the scent of mint.

Plant mint in your garden and rub peppermint oil indoors along areas you’ve experienced rodent problems.

•

Rodenticides

• • • • • •

Droppings - often found in the pantry or kitchen cupboards and drawers Sounds in the roof, walls or sub-floor areas Damaged food packaging Odours - usually a musty odour Burrows found along walls, or fences, woodpiles, stored items Damage from gnawing Greasy tracks along the floor or footprints and tail tracks in dusty areas

How to deter rodent activity If you are experiencing issues in relation to vermin and rodent activity, there are ways to discourage their presence and manage the problem. Here are a few tips to help deter these unwanted visitors: Pest proof your home Seal gaps and holes under eaves, roof tiles and in external walls - mice can squeeze through the smallest of gaps.

If opting for rodenticides (bait stations, blocks etc), do not place baits in areas where they can be accessed by children, pets, wildlife or livestock, or use lockable bait stations. Always read the label before use and apply in accordance with directions. Always follow control safety precautions When in doubt, contact a licensed pest controller who can advise you on the best course of action.

Further information For advice on the responsibility for managing or deterring pests on you or your neighbour’s land, including other measures for removal, see our Pest Control page or phone 1300 88 22 33.

For more information, please visit the Department of Health website

The Artistic Magnitude of Mullum Mullum Mullum Mullum Indigenous Gathering Places’ (MMIGP) new exhibition showcases the multi-talented Artists within the local Indigenous Community.

The exhibition presents art down through the ages, from the Ancestors to modern times-from soft weaving used for gathering and serving food to furs used for warmth, bedding, carrying babies and children as well as for shelter.

Find out more

JULY 2022 | FIND MAROONDAH

41

Maroondah Council News

Walking in Maroondah

JULY 2022

WALKS FOR CARERS OF PEOPLE WITH A DISABILITY

Find a walk

Maroondah features an extensive network of footpaths and walking trails, as well as planned walking groups, walking sports and initiatives to encourage and support the community to get active.

We are encouraging our residents to take advantage of our range of free, safe and accessible walking opportunities available on offer within Maroondah, in order to enjoy the many benefits of walking.

walking routes and trails

Heart Foundation Walking Groups

Why walk?

Walking is a great introduction to physical activity and is an excellent form of exercise for people of all ages and abilities. Walking is one of the most popular forms of physical activity in Australia, and it can help to reduce stress, have a healthier body, and even strengthen relationships.

Walking at night - extend lighting Mullum Mullum Park Run

Research has shown that walking for at least 150 minutes a week, or 30 minutes 5 times a week can help you: • • • • • • • •

reduce your risk of heart disease reduce the risk of stroke by 35% and Type 2 diabetes by 40% manage weight, blood pressure and blood cholesterol prevent and control diabetes reduce your risk of developing some cancers maintain your bone density, reducing your risk of osteoporosis and fractures improve balance and coordination, reducing your risk of falls and other injuries improve our daily mood which cumulatively leads to better mental health.

Further information

Walking sports

walk to school

Find out more from the National Heart Foundation about the benefits of walking, or if you're just getting back into exercise the National Heart Foundation also have some helpful tips on how to get started and how to prepare for walking.

Find out More

Maroondah Council News

MAY 2022

JULY 2022

Maroondah unveils new Child Safety and Wellbeing Policy as a ‘Child Safe Organisation’ Maroondah City Council is committed to being a child safe organisation, where all children and young people are valued and protected from harm and abuse.

Council has developed a new Child Safety and Wellbeing Policy (including a Child Safe Code of Conduct) in response to the Victorian Government’s updated Child Safe Standards, which take effect on 1 July 2022.

Find out more

Council adopts 2022/23 Budget with $51.69m investment in capital works projects Council has voted to adopt the 2022/23 Budget, Council Plan 2021-2025 (2022/23 Update), long-term financial plan and a plan for managing its assets across the municipality.

The documents were adopted at a Council meeting on Monday 27 June 2022.

Find out more

Crow Kid by Lemony S Puppet Theatre Enjoy

performances, workshops

installation

by

award-winning

and theatre

a

shadow company

Lemony S Puppet Theatre over the school holidays.

Crow Kid is a heart-warming tale for children about resilience, connection and the healing power of friendship. This newly devised project includes shadow puppet performances, workshops and a shadow installation created especially for ArtSpace at Realm over the school holidays. Lemony S Puppet Theatre has performed across Australia to thousands of children and their families.

Read More

JULY 2022 | FIND MAROONDAH

43

Maroondah Council News

JULY 2022

The Maroondah Lift Project Lift your spirits by joining our 7-week mental wellbeing program.

LETS learn, experience, think and share together. Join the Maroondah Lift Project and learn simple and easy strategies to help improve your mental wellbeing.

The Maroondah Lift Project is a wellbeing adventure designed to lift the spirits of individuals, groups and organisations within Maroondah. It uniquely brings together scientifically-proven strategies from the exciting fields of Neuroscience, positive Psychology and Lifestyle Medicine. With a focus on mental wellbeing, this project will show you how to increase your resilience and happiness no matter where you’re at!

Register for either the online sessions and complete the program in your own time, or attend our ‘face to face’ sessions and work through the program with others.

see program details and make booking

Over 340 species identified during 2022 City Nature Challenge!

Thanks to everyone who took part in the 2022 City Nature Challenge – your efforts will allow scientists and environmentalists to better support the biodiversity in our area.

The City Nature Challenge is an international effort to document nature in cities, with this year’s event tallying over 1.6 million observations globally.

During the four-day challenge period, from 29 April to 2 May, a total 1183 observations were made in Maroondah and over 340 species recorded, with local nature-lovers uploading their photos of wild plants, animals and fungi using the free iNaturalist mobile app.

See more here

Gearing up for a Plastic Free July - workshop series To help you gear up for this years Plastic Free July challenge, join this workshop series with John Rbeiz, to discover and exchange simple tips and ways to reduce your waste. Plastic Free July® is a global movement that helps millions of people be part of the solution to plastic pollution. To help you gear up for this years challenge, we invite you to join your neighbours and friends in Maroondah to discover and exchange simple tips and ways to reduce your waste.

Read More

The more commonly observed species included the humble Magpie and Rainbow Lorikeet, as well as Sweet Bursaria and Cherry Ballart. There were, however, a few unusual sightings too.

Maroondah Council News

JULY 2022

Scavenger Hunt - Croydon Main Street Travel around Croydon Main Street and solve all twelve riddles to collect a Prize! Everyone is a Winner !

Travel around Croydon Main Street and solve all twelve riddles to collect a Prize! Everyone is a Winner !

• • •

Starting Location: Croydon Town Square – 97 Main Street, Croydon For all ages up to 15 Years Old Grab a scavenger Hunt kit at the Square

There will be a list of riddles that will need to be solved about the shops along Croydon Main Street. Collect all 12 puzzle pieces then enter into one of these Cafe’s, where you will find a Template and Glue to Match together the Puzzle pieces.

Bring the completed Puzzle back to Croydon Town Square to claim your Prize.

Find out more

Bedford Park Board Games @ CRCC Have some fun and make new friends. Feel free to bring your own games along or play ones provided.

It's free to participate but a gold coin to help out with Meetup fees is always appreciated.

Have some fun and make new friends. Feel free to bring your own games along or play ones provided.

It's free to participate but a gold coin to help out with Meetup fees is always appreciated. Children aged 12 and under must be accompanied by an adult.

To ensure we meet the COVID safe guidelines anyone attending must be double vaccinated, and as this will be an indoor venue please wear a mask.

Read More

Woodland Park Planting Day Join our planting morning at Woodland Park, Croydon South as we plant indigenous species in a newly prepared area of the park.

Come along and help us plant native ground covers, shrubs and trees at Woodland Park in Croydon South. You’ll be helping the park to thrive and provide habitat for local wildlife.

The holes will be pre-dug by Council, therefore, all you need to do is help get plants in the ground. Stay for the entire session or come along and plant a few!

View more and Book Online JULY 2022 | FIND MAROONDAH

45

Are you Not-For-Profit in Maroondah Area?

Advertise your events for FREE on the following pages.

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

Maroondah

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

nOT-fOR-pROFIT of the month

JULY EDITION 2022

14 y week years locate his spin multiple ended tumours uncerta

11 year sight. Sh

Billy is dyspla mean

When four month old Zoe was diagnosed with NF, her parents had endless questions about a condition they had never heard of. They discovered very few answers.

Sad ch p

Zoe’s parents were told there was no cure for NF and limited treatment options. Every NF outcome is different, resulting in constant fear of what the future may hold. There was an urgent need for more medical research.

NF encompasses three types - NF1, NF2 and Schwannomatosis.

The condition causes tumours to grow on nerve endings throughout the body. It can affect major organs and lead to many serious and debilitating health issues including cafe au lait spots, blindness, bone abnormalities, disfigurement, chronic pain, amputation, cancer, epilepsy, learning difficulties and autism.

Approximately one in 2500 people are affected – meaning about 10,000 Australians and 2,500,00 people worldwide are impacted by NF. Zoe’s family was determined to make a difference. In 2018, when Zoe turned 18, The Flicker of Hope Foundation was born – a registered charity dedicated to raising funds for medical research into NF. Thanks to incredible support of many generous sponsors and supporters, the Foundation has raised, and donated, over $1.5M to NF medical research in just 3.5 years. 100% of funds donated are directed to medical research as Flicker of Hope is run by Zoe’s family and volunteers – there’s no paid staff or overhead administrative costs.

Flicker of Hope is currently funding world leading Australian research, partnering with The Royal Children's Hospital, Murdoch Children's Research Institute, Peter MacCallum Cancer Centre, The Florey, Walter and Eliza Hall Institute, The Royal Melbourne Hospital, The Sydney Children's Hospital Foundation and the Children's Medical Research Institute. Read more about these projects at http://flickerofhope.org.au/

“Kicking Butt for NF Research” – an annual free family friendly event run by Flicker of Hope – provides plenty of entertainment and la Featuring some of the greatest AFL legends of all time, who generously donate their time and kicking skills, it’s a fun way to raise fun out some of the action pics! Follow Flicker of Hope on FB to find out more.

Everyone affected by NF has a different story and experience. Diagnosed with NF1 at 18 months, eight year old Katie has endured m to fight her brain and eye tumours. It's an ongoing battle against an advancing enemy.

year old Spencer was diagnosed with NF1 when just 12 ks old, and Neuroblastoma at age three, requiring eight s of treatment. Surgery for a Plexiform Neurofibroma ed on the base of his neck resulted in complications when nal cord folded and pierced his brain. Months of traction, e surgeries, a spinal fusion and learning to walk again his dream of becoming an AFL footballer. With over 20 s in his neck, chest and central nerve system he faces an ain future.

old Libby has NF2, and is rapidly losing her hearing and he is scared about also losing her mobility.

a six year old full of energy, despite struggling with tibial asia causing daily leg pain. Wearing an ankle foot orthotic ns he can’t run around like others his age.

dly these stories are not unique - there are many more hildren, and adults, living with NF. Many medical practitioners have little knowledge of NF – leading to many with the condition being undiagnosed, or misdiagnosed.

This can have the flow on effect of many generations being impacted by NF. Please help The Flicker of Hope Foundation shine a light on NF. Donations over $2 receive a tax receipt and 100% of your donation will be directed to NF medical research. www.flickerofhope.org.au

aughs. nds. Check

many years of chemotherapy

info@flickerofhope.org.au

www.flickerofhope.org.au

@flickerofhopefoundation JULY 2022 | FIND MAROONDAH

49

NOT-FOR-PROFIT : EVENTS

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

On offer are a broad range of Exercise Classes (including Tai Chi, Yoga, Shibashi, Line Dancing, Dance to Music and Table Tennis).

Equally importantly there are very active Discussion Groups which enhance our knowledge - such as Current Affairs and Elder and the Law. You may yourself have a skill/interest that you would like to share

You may be interested in diverse and varied Courses such as : • Drawing and Sketching, Creative Writing and Card Making.

• Poetry, Music Film and Art Appreciation.

• Computer assistance and basic digital mentoring.

with and enthuse our current membership.

Ringwood U3A would make you most welcome either as a new member or leader.

• Foreign Languages and Family History.

If you would like to know more please check out our website

• Wine Appreciation and Patchwork.

www.u3aringwood.org.au or email info@u3aringwood.org.au

Boronia View Club

Boronia View Club will meet on Friday 15 July at 11.30am at Eastwood Golf Club. Liverpool Rd., Kilsyth for a lunch meeting costing $27, VIEW (Voice, Interests and Education of Women) is a national women’s organization and support network, bringing together women to enjoy social activities, develop skills and make connections-all while supporting Australian children experiencing disadvantage The speaker will be Yvonne ‘the gadget girl” Her articles for sale will be under $20. There will also be a raffle and book stall. All monies raised goes to The Smith Family Learning for Life program.

So ladies of all ages and backgrounds, come along and join us and you will be warmly welcomed.

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

Enquiries to Judith on 9764-8602

NOT-FOR-PROFIT EVENT ADVERTISEMENT

Ainsli eP ar kl

ary ers niv An

elebrating it’s 6 c s i 0t ds h n a

It all began on 12th June 1962

60th Anniversary Celebration Events 60th Birthday Party 14th June Celebration with the students Party games, Birthday cake, Dress up day, fun activities to celebrate our 60th Anniversary year.

Open Afternoon/Evening 12th August — 2.00pm to 7.00pm An opportunity for past students, parents, staff and our local community to visit our amazing school and see the changes that have occurred over the past 60 years.

If you are a past student, parent, staff member or have a connection to our school and you have a tale to tell, photographs, or a memory to share of your time at Ainslie Parklands formerly Croydon West, we would love to hear your stories, see your pictures and share your experiences.

Please contact us at: 4879-APPS60@schools.vic.edu.au Thank you for helping us grow the “History of our School” collection.

We are looking forward to our year of celebration.

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

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

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

Do you have an upcoming events?

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

SEND US YOUR NEWS! Simply upload your ad at

Further information contact Kaye 0414984062

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

www.townclubs.com.au

or you can email the ad to the

We are celebrating 50 years in October 2022.

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

JULY 2022 | FIND MAROONDAH

51

NOT-FOR-PROFIT EVENT ADVERTISEMENT

Norwood Secondary College presents...

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

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

Book and Lyrics by

Music by

David Lindsay-Abaire

Jeanine Tesori

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

All performance materials supplied by Hal Leonard Australia.

AUGUST 18 19 20 2022 TH

TH

TH

KARRALYKA CENTRE

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

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

Find out what’s happening in your community

Meet other people from your community

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

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

Enjoy a cuppa and make new connections

NOT-FOR-PROFIT EVENT ADVERTISEMENT Crochet (Social Group)

Spanish Beginners

MYOB Account Right

All skill levels are welcome to join and learn from our experience teacher Tue 19th Jul 10:00-12:00pm

Mon 18th Jul 6:00pm-7:30pm

22DLEO170008

$135 C $130 (9 weeks)

Ideal for small business owners and operators.

Set up effective financial records for home or

$50 (10weeks) *plus requirement list

Spanish Intermediate

Drawing with Owen NEW!!

Mon 18th Jul 7:45pm-9:15pm

A class devoted to the art of drawing.

Explore techniques like shading and structure in depth Wed 13th Jul 1:00-3:00pm

business, including payroll

Wed 20th Jul x 8 wks 12:30pm-3:00pm $95 *includes manual

$135 C $130 (9 weeks)

Beginners Geneology NEW!!

Research your family history; explore imortant sources and how to use them Thu 11th Aug 6:30pm-8:30pm

$170 C $165 (10 weeks) *plus requirements list

$135 C$130 (10weeks)

Leadlighting Create your own coloured masterpiece!

Thu 21th July 12:30am-3:30pm

Basic Computer Skills for

$229.50 C$224.50 (9 weeks)

Beginners

Macrame Workshop

22DLEO170002

Dip your toes into the wonderful world of poets and poetry thoughout the ages, from Chaucer to the present day.

Mon 1st Aug 10:00pm-11:30am

Introduction to basic computer skills and

$75 C$70 (5 weeks)

Learn the knots and twists required to make your own pet lead or wall hanging beginners Beginners Sat 13th Aug 10:00am-1:00pm Advance Sat 27th Aug 10:00am-1:00pm

terminology. no prior knowledge needed

$25 *plus materials, approx. $55

Beyond Basic Computer Skills

Wed 20th Jul x 8 wks 9:30am-12:30pm $60

22DLEO170003

Paper Craft Workshop NEW!!

This is a follow-on course from Basic Computer Skills for Beginners. Take your knowledge to a

Week 1: Get creative making handmade cards Week 2: Create a magical 'Twinkle Jar' with origami butterflies and lights Sat 13th Aug 1:00pm-3:30pm

Explore Poetry NEW!!

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

new level and learn more about the features that can help you at work and home.

Tue 19th Jul x 8 wks 12:30pm-3:00pm $60

$25 each or $45 for both (2 weeks) *plus materials, $5 for cards and $11.50 for twinkle jar

Word & Excel

Italian Beginners

22DLEO170006 Participants will gain a comprehensive working

Tue 19th Jul 7:00pm-9:00pm

knowledge of Microsoft Office, Word and Excel

$180 C $175 (9 weeks)

Tue 19th Jul x 8 wks 9:30am-12:00pm $60

Italian Advanced

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

Fab Group A friendly social morning for women over 50.

Guest speakers, craft, games & outings. New members welcome!

Thu 14th Jul 10:00am-12:00pm Gold coin per session (10 weeks)

Advanced Excel

Mon 18th Jul 7:00pm-9:00pm

22DLEO170007

$180 C $175 (9 weeks)

Build on your existing knowledge of Excel and learn new skills to get the most out of the

French Beginners

program.

Tue 18th Jul 6:00pm-7:30pm

Tue 19th Jul x 8 wks 9:30am-12:00pm $60

$135 C $130 (9 weeks)

contact details:

Email: admin@nrch.org.au

Phone: 03 9876 3421

Website: www.nrch.org.au

1. Tai Chi Beginners 13th July (Weekly - Wednesday) - 10 weeks Improve muscle tone, strength, fitness, joint flexibility, balance and co-ordination.

1.30pm – 2.30pm

$135 Concession $130

2. Tai Chi Intermediate 13th July (Weekly - Wednesday) - 10 weeks

12.15pm -1.15pm $135 Concession $130 Improve muscle tone, strength, fitness, joint flexibility, balance and co-ordination.

If you have any queries please contact Corinne West 03 9876 3421 JULY 2022 | FIND MAROONDAH

53

Communities of Wellbeing Inc

Find out More

Our wellbeing partner inspires more people to discover and embrace the value and impact of enhanced wellbeing.

We share a common belief that when people are supported to live a good life, people and communities flourish. When people and communities flourish they build the resilience necessary to handle the causes of anxiety and depression.

The Victorian Dining and Entertainment Program

Swallowtail Butterfly

Just Cuts: Blonde Ambition

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

The next time you’re visiting Eastland, keep an eye out for the biggest butterfly there.

Just Cuts shares their top tips for looking after your blonde locks.

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

The next time you’re visiting Eastland, keep an eye out for the biggest butterfly there. That’s the female Orchard Swallowtail Butterfly. See if you can spot our Mini Beast Swallowtail Butterfly on Level 1, near Commonwealth bank. It’s so big, it can’t be missed.

For all our blonde bombshells out there - we get it!

Sometimes being blonde is overwhelming and feels like a lot of work. This is because blonde hair is more fragile and delicate. It needs extra protection from heat, harsh products, and environmental factors that can cause brassiness and damage.

Find out More

Find out More

Find out More

Summer's In The Air It’s that time of year again. A light and warmth washes over us.

And just like that, Winter simply melts away. And brings a smile. It’s freshly cut grass and sizzling BBQs. A squeeze of lime and a flowering jasmin. The warm salty breeze and a cold juicy watermelon. There is nothing quite like it. DUSK. Summer’s in the air Read More

Puffing Billy Offer

Read More

THE CENTURY-OLD TRADITION OF SITTING ON THE CARRIAGE SILL MAKES ITS LONG-AWAITED RETURN TO PUFFING BILLY RAILWAY Nothing beats the ride through the towering forests, around bends, over bridges and streams, waving at passers-by, all the while sitting on the carriage sill as Puffing Billy steams gently along the tracks. Puffing Billy has now recommenced the time-honoured tradition of sitting on the sills with legs out for journeys from Belgrave to Lakeside!

Ringwood Hawks Eastland are very excited to announce our new basketball partnership with Ringwood Hawks.

The Ringwood Basketball Association is the biggest sports organisation in Ringwood. The Hawks are the highest profile sporting team in the area and the senior teams play in the NBL1 competition, the second highest in Australia.

Read More

What's On

Boost: Keen For The Canteen!

Sportscraft x The Woolmark Company

The Victorian Dining and Entertainment Program JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

findmaroondah.com.au

RETIREMENT

Did you know?

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

Downsizer Contribution RETIREMENT

By Warren Strybosch

What is the downsizer contribution?

The amount you are contributing is from the proceeds of selling your home, where the contract of sale was exchanged on or after 1 July 2018.

The downsizer contribution is an amount of up to $300,000 that can be paid in to your super, from the proceeds of selling your home. If you have a spouse, the total contribution is up to $600,000 ($300,000 each).

Your home was owned by you or your spouse, for 10 years or more prior to the sale (the ownership period is generally calculated from the date of settlement of purchase, to the date of settlement of sale).

A downsizer contribution does not count towards your contribution caps,1 and can still be made if you have a total super balance of $1.7 million or more.

Your home is in Australia and is not a caravan, houseboat, or other mobile home.

Downsizer contributions are only available where the contract of sale was exchanged on or after 1 July 2018, and must be made within 90 days of receiving the proceeds of sale.

Who is eligible?

Eligibility is determined by the Australian Taxation Office (ATO).

The ATO outlines eligibility to make a downsizer contribution as follows: You (and if applicable, your spouse) will be eligible to make a downsizer contribution to super if you can answer yes to all of the following: You are 60 years old or older at the time you make a downsizer contribution (there is no maximum age limit)

The proceeds (capital gain or loss) from the sale of the home are either exempt, or partially exempt from capital gains tax (CGT) under the main residence exemption, or would be entitled to such an exemption, if the home was a CGT rather than a pre-CGT (acquired before 20 September 1985) asset.

You have provided your super fund with the Downsizer Contribution into Superannuation form either before, or at the time of making your downsizer contribution.

You make your downsizer contribution within 90 days of receiving the proceeds of sale, which is usually at the date of settlement.

You have not previously made a downsizer contribution to your super from the sale of another home.

findmaroondah.com.au

Please Note If you sold your house and your name (and not your spouse’s) was listed on the title of your property, your spouse can still make a downsizer contribution, or have one made on their behalf, provided you both meet the eligibility criteria.

If you have a spouse, the combined total contribution is up to $600,000 ($300,000 each), and both you and your spouse will

JULY 2022 | FIND MAROONDAH

57

What if the ATO determines that I’m not eligible?

Eligibility to make a downsizer contribution is determined by the ATO. If the ATO subsequently determines that your contribution does not meet the downsizer contribution eligibility requirements, they will notify you, and QSuper.

Once we are notified, we will assess whether your contribution could have been made as a personal contribution, and which contribution cap it will count towards.

need to complete the form at the end of this factsheet.

If it is decided your contribution can not be accepted, we will return the contribution amount to you.

Downsizer contribution examples:

What else should I know?

A couple sells their home for

•

$400,00 The maximum contribution cannot exceed $400,000 in total. This means they can choose to contribute half each, or split it - for example, $300,000 into one account and $100,000 into the other.

•

•

A couple sells their home for

$600,00 Out of John and Fatima, only John is on the title. They both meet all the other requirements, therefore John and Fatima can make a downsizer contribution of up to $300,000 each.

A couple sells their home for

$800,00 Each spouse can make a contribution of up to $300,000.

• •

While the downsizer contribution must be made within 90 days of receiving the proceeds of sale, in some circumstances you may be able to request an extension from the ATO. Please contact the ATO for more information.

The downsizer contribution does not count towards your contribution caps. However, when you move your super savings into retirement phase, it will count towards your transfer balance cap,1 currently $1.7 million.

You can make more than one downsizer contribution from the proceeds of a single sale (up to your limit).

However, all contributions must be made within 90 days of receiving the proceeds of sale, unless you have been granted an extension.

Downsizer contributions are not tax deductible.

Downsizer contributions will be taken into account for determining eligibility for the Age Pension

Where can I find more information?

The ATO provides detailed information on downsizer contribution eligibility.

Visit ato.gov.au/downsizing or call the ATO on 13 10 20.

Financial Advice Deciding what is best for you will depend on your personal circumstances and you may want to seek personal financial advice to get the most from your superannuation.

1. Contribution caps - Limits that apply in relation to how much you can add to your super. 2 Provided for illustrative purposed only. Source: ato.gov.au

1 Transfer balance cap - A limit on the total amount of supperannuation that can be transferred into tax-free retirement products. You can find more information on the transfer balance cap in the Tax Explanation factsheet.

This is general information only, so it does not take into account your personal objectives, financial

How to make a downsizer contribution Check your eligibility to make the contribution

situation, or needs. You should consider whether the product is right for you by reading the relevant product disclosure statement (PSD) and target market determination (TMD) Where necessary, consider seeking professional advice tailored to your individual circumstances.

This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before

Complete the Downizer Contribution into Superannuation form (obtain from ato.)

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.

Send this form to your superannuation fund Ensure that you send the form before or at the time that you make your downsizer contribution.

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

JULY 2022 | FIND MAROONDAH

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findmaroondah.com.au PROFESSIONAL SERVICES

FIND MAROONDAH | JULY 2022

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

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

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

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

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

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

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

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

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

Architect ------------------------------ 58 Find Accountant ----------------- 56 Financial Planning ------------- 57 Find Insurance -------------------- 57 Bookkeeping ---------------------- 58 Editor|Copywriter --------------- 58 General Insurance ------------- 57 Life Coach --------------------------- 58 Signages ------------------------------ 59 Mortgage Brokering ----------- 59 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

JULY 2022 | FIND MAROONDAH 59 PROFESSIONAL SERVICES

findmaroondah.com.au

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

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

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

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

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

Visit Us Here

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

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

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.

JULY 2022 | FIND MAROONDAH

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FIND MAROONDAH | JULY 2022

findmaroondah.com.au PROFESSIONAL SERVICES

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

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

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

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document

www.kirachitecture.com

4. Full service package (and more)

KATHY ISMAIL ARCHITECT

Make your writing ZING! SERVICES • Book Editing

susan@creativetext.com.au

• Memoirs and Life Stories • Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

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

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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

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

ICED COFFEE • mocha • macchiato

5.0

BOOSTERS • • • •

5.0

nrg focus cleanse hydrate

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

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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

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

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PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

We offer contact-free installation!

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

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

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

Get in touch today.

• Design

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS

Get the Morthgage You Deserve

•

FIRST HOME BUYERS

•

INVESTMENT LOAN

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COMMERCIAL LOANS

reece@shlfinance.com.au

•

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•

HONEYMOON LOANS

0478 021 757

•

BRIDGING LOANS

•

INSURANCE

REECE DROSCHER

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DEVELOPMENT FINANCE

MORTGAGE BROKERING

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

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

Areas of Expertise

Contact Details

º

WHS/ OHS

º

Manufacturing

º

Regulatory Compliance

º

Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º

Succession Planning

PO Box 61, Mooroolbark VIC 3138

º

Business Management

º

Operations

mfelton@beaumontlawyers.com.au 03 9727 1376

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

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

RETIREMENT

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

JULY 2022 | FIND MAROONDAH

61

LOCAL TRADIES

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100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

TRADIES - FREE ADVERTISING

Are you a Tradie? Need referrals?

Consider joining the Find Maroondah Network group.

MACCHIATO

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30

CAPPUCCINO

editor@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!

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HOME & GARDEN

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

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

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

ADVERTISE HERE

JULY 2022 | FIND MAROONDAH

63

HEALTH & BEAUTY

PAGES

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

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

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

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

Contact Us

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

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

03 9876 3011

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

info@childreansosteopathiccentre.com

•Retained Primitive Reflexes

www.childrensosteopathiccentre.com

•Pregnant and Prostnatal Women

PAGES

HEALTH & BEAUTY

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

JULY 2022 | FIND MAROONDAH

65

SPORTS

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

SPORTS

celebrating NAIDOC week

By Mandy Camilleri

On Saturday, 2nd July, Norwood FC, South Croydon FC and Eastern Devils FC joined together to celebrate NAIDOC week which is held from 3rd-10th July.

An initiative started by Norwood in 2021 and the brain child of Norwood player Jamie Bennell who is the current AFL Players Association Indigenous Relationship Manager. Jamie’s initiative was to be the first club in the EFNL to wear an Indigenous jumper and to celebrate NAIDOC Week as a club. With the help of Indigenous artist and input from both Jamie Bennell and Tristen & Tyler Tweedie, the jumper came to life. On that occasion in 2021 Norwood played South Croydon who fully supported the initiative and confirmed in 2022 they would be honoured to continue playing Norwood on this round and would design their own Indigenous jumper.

The day kicked off with an Indigenous lunch hosted by President Mark Etherington. The menu for the day included many indigenous ingredients

being utilised with a full breakdown of those ingredients as an information sheet included on each table.

The attendees heard from special guest Matthew Whelan, former Melbourne player and currently serving as Indigenous Projects Officer at Melbourne.

Matt was instrumental in the recent 2-week name change of Melbourne FC to Narrm FC. Matt shared some stories about his football career and his current role at Melbourne FC.

At the conclusion of the lunch, Norwood presented South Croydon with a boomerang as a gift of respect and recognition.

Following the lunch, the celebrations continued on the ground with a traditional smoking ceremony and dances performed by the Koorie Youth Will Shake Spears dance group. A truly moving experience with all Norwood, South Croydon, Eastern Devils players, officials and supporters forming a circle and sharing the experience as one united group.

The day ended with best player from Norwood’s Senior side being presented with an Emu Caller and the Development Squad best player receiving clap sticks.

Again, giving a gift as a sign of respect and recognition for each of these players.

The day truly paid justice to the significance and celebration of Indigenous culture and heritage in Australia. Norwood Football Club prides itself on continuing this tradition, to support NAIDOC week for many years to come. NAIDOC Week | NAIDOC JULY 2022 | FIND MAROONDAH

67

JULY 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

Religious Groups and Churches

Hope City Church Croydon Hills Baptist Church

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

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

Services

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

• English Sunday 10am

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

• Karen Sunday 1pm

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

• English Sunday 6pm

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

Transform Pastor - Ben Dickson

their lives through energetic praise and intimate worship.

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

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

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

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

Ringwood Church of Christ

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

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

Canterbury Gardens Community Church Our Mission Why do we exist?

We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

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

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

JULY 2022 | FIND MAROONDAH

69

Religious Groups and Churches

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

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

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

Do you have an upcoming events?

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

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

•

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

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

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

or you can email the ad to the

0417679682

editor@findmaroondah.com.au

(03) 9876 2600

and we will do the rest for you.

Birth, Deaths & Marriages JULY 2022

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

SEND US YOUR NEWS! Maroondah 1300 88 38 30 editor@findmaroondah.com.au JULY 2022 | FIND MAROONDAH

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MAROONDAH

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

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