Find Maroondah - June 2023 Edition

About the Find Maroondah

By Warren Strybosch

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

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

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

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

To help support the paper, we invite local business owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.

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

ALL THINGS MAROONDAH

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

ACKNOWLEDGEMENT

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

DISCLAIMER

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.

ADVERTISING RATES (INCLUDE GST)

Available Sizes:

Rates:

• Double Page Spread (408 x 276mm) $1650 Full Page (198 x 276mm) $1100

• Half Page Landscape (198 x 138mm) $715

• Half Page Portrait (95 x 276mm) $715

• Third Page (189 x 90mm) $550

• Quarter Page (97 x 137mm) $440

• Business Card Size (93 x 65mm) $275

• Ads Smaller than (85 x 55mm) and Below $121

• Design Services

We can create your ad for you. Prices start at $77 for the very first hour and $22 for each hour thereafter.

NEXT ISSUE

Next Issue of the Find Maroondah will be published on Monday July 11, 2023. Advertising and Editorial copy closes Friday July 07, 2023.

Getting Ready for the New Financial Year: A Fresh Start for Your Finances.

By Warren Strybosch

As the new financial year approaches, it's time to prepare for a fresh start in managing your finances. Whether you're an individual or a business owner, taking the necessary steps to get ready for the new year can set you up for success and help you achieve your financial goals. Here are some key areas to focus on as you gear up for the new financial year. Firstly, review your financial statements from the previous year. Take a close look at your income, expenses, and investments to gain a clear understanding of your financial position. This analysis will help you

identify areas of improvement and guide your decision-making in the upcoming year. Next, set specific financial goals for the new year. Whether it's saving for a down payment on a house, paying off debt, or increasing your business revenue, establishing clear objectives will provide you with a roadmap to follow and keep you motivated throughout the year.

Another crucial step is to update your budget or financial plan. Consider any changes in income or expenses that may affect your financial situation. Revise your budget accordingly and allocate funds to different categories,

ensuring you have a balanced and realistic plan to follow.

Additionally, take advantage of any available tax benefits or deductions. Research new tax laws and regulations that may apply to your situation, and consult with a tax professional if needed. By maximizing your deductions, you can potentially reduce your tax liability and keep more money in your pocket.

Lastly, organize your financial documents and records. Ensure you have a system in place to keep track of receipts, invoices, and other important paperwork. This will make tax preparation and financial analysis much easier throughout the year.

Getting ready for the new financial year requires careful planning and attention to detail. By reviewing your financial statements, setting goals, updating your budget, optimizing your tax situation, and organizing your documents, you'll be well-prepared for the challenges and opportunities that lie ahead. Embrace this fresh start as an opportunity to take control of your finances and work towards a prosperous future.

Financial Adviser Warren Strybosch hosted by Ben Nash @findfoundation/videos

DIGITAL MARKETING

By Ethan Strybosch

In today's digital landscape, a welldesigned and captivating landing page can make all the difference between a visitor bouncing away or converting into a valuable customer. Landing pages serve as gateways to conversions, acting as the first point of contact for potential customers.

A good landing page begins with a clear and concise value proposition. Within seconds, visitors should understand the unique value and benefits offered by the product or service. A compelling headline should convey the primary value proposition, while supporting subheadings and concise bullet points can provide additional details. By clearly articulating the problem-solving capabilities and advantages, a landing page can effectively capture visitors' attention and pique their interest.

Visual appeal plays a pivotal role in capturing visitors' attention and guiding them towards conversion. A good landing page should incorporate visually appealing elements, such as high-quality images, videos, and infographics, to enhance the overall user experience. Well-chosen colours, fonts, and layouts that align with the brand identity create a sense of professionalism and credibility. A clutter-free design with ample white space ensures that visitors can easily navigate and focus on the key message.

An intuitive and streamlined navigation flow is crucial for guiding visitors seamlessly through the landing page. The page layout should direct attention towards the call-to-action (CTA) button or form, ensuring it remains visible without excessive scrolling. Navigation menus should be minimal or absent altogether, eliminating distractions that may lead visitors away from the intended conversion path. By simplifying the navigation process, a landing page enhances user experience and encourages visitors to take action.

Effective copywriting lies at the heart of a successful landing page. The content should be concise, persuasive, and tailored to the target audience. It should highlight the benefits and solutions provided by the product or service, addressing the pain points and needs of the visitors. The use of persuasive language, customer-centric messaging, and storytelling techniques can evoke emotions and build a connection with the audience. A compelling call-to-

Crafting Compelling Landing Pages: The Secret to Successful conversion

action (CTA) should clearly state the desired action and create a sense of urgency or exclusivity to encourage immediate response.

Establishing trust and credibility is vital to overcome any hesitations or doubts that visitors may have. Incorporating trust signals such as testimonials, customer reviews, case studies, and industry certifications can reassure potential customers about the quality and reliability of the product or service. Trust logos, security badges, and privacy policies also instill confidence, assuring visitors that their information is secure. A transparent and authentic representation of the brand helps to foster trust and credibility, enhancing the chances of conversion.

In the mobile-dominated era, a good landing page must be mobile responsive. With a significant portion of website traffic coming from mobile devices, it is crucial to ensure that the landing page is optimised for various screen sizes and maintains its visual appeal and functionality across devices. Responsive design allows visitors to have a consistent and seamless experience, regardless of the device they use, maximising the chances of conversion.

The journey to a good landing page does not end with its creation; it requires ongoing optimisation. A/B testing different elements, such as headlines,

CTA buttons, colours, and layouts, allows for data-driven decisions to improve conversion rates. By measuring and analysing key metrics such as bounce rates, time on page, and conversion rates, marketers can identify areas of improvement and make informed changes.

Crafting a good landing page requires a thoughtful approach that incorporates various elements. From a clear and concise value proposition to engaging visual design, persuasive copywriting, and trust-building strategies, each aspect plays a crucial role in driving conversions. By continually optimising through A/B testing, personalisation and transparent communication, marketers can refine and enhance their landing pages, maximising their potential to convert visitors into customers. Remember, a successful landing page is not a one-time creation but a continuous process of refinement and improvement.

GENERAL INSURANCE

By Craig Anderson

Commercial Legal Protection insurance is designed to help SME businesses deal with unexpected legal issues not already covered by their other insurance policies.

Intended to complement traditional SME policies, rather than substitute core insurance cover, the policy typically provides expert legal assistance when an insured really needs it and protects them from potentially crippling costs which will have to be incurred, regardless of any fault on the client’s part.

What does a CLP (Commercial Legal Protection) Policy generally cover?

In general terms, legal expenses insurance provides advice and cover for the legal costs of pursuing or defending certain classes of legal action. It is not a substitute for General Liability, Professional Indemnity, Directors and Officers

What Is Commercial Legal Protection Cover?

Liability insurance, or Management Liability insurance, but it aims to cover legal expenses not covered by those insurances.

Legal expenses insurance complements other classes of insurance as it lowers the financial burden associated with legal disputes, and provides access to legal advice and assistance which could curb the need for full-scale litigation. Under some wordings a Dispute may be taken to mean any civil legal proceedings or action in a Court or Tribunal either commenced by the Insured or commenced against the Insured by a third party which relates to the Insured’s core business activities and which falls within one of the policy’s Heads of Cover. Heads of Cover may include: Contractual Disputes regarding Supply of Good and/or Services, Tax Audit, Statutory Licence Protection, Landlord Disputes, Restrictive Covenant Pursuit (protecting a client’s intellectual property), Third Party Damage to Goods or Premises, Debt Recovery, and Legal Advice.

I recommend any SME entering into contracts, where they are supplying goods and services, (particularly if these services involve maintaining a statutory license) give a CLP policy some serious consideration. Having seen the financial difference that a successful defence can make for a small business, I believe CLP cover is of the utmost importance.

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

What does a Conservation group actually do?

By Liz Sanzaro

Our focus, is both locally and more broadly, wherever we can lend our support.

SAVING PRECIOUS HABITAT

In Knox, a disused dam on land owned by Dept Agriculture has become the habitat for the threatened Blue Billed Duck. CCS supports Knox Council along with many other groups as this two sided debate is decided at VCAT, whether the duck deserve a home, or whether more houses are built in a way that destroys the lake.

https://www.facebook.com/FirstFriendsofDandenongCreek/photos/theendangered-blue-billed-duck-lake-knox-knoxfield/591823707911148/

SAVING PRECIOUS VEGETATION

At Croydon Station and at Ringwood East Station the decimation of mature trees to make way for the alterations to the rail line. CCS has been lobbying very hard to save at least a portion of the Crane memorial planting along Wicklow Avenue. LXRP have promised to keep 40% of the trees along Wicklow Avenue memorial planting.

MONITORING NEW DEVELOPMENT IN YOUR AREA

We encourage residents to sign up to Planning Alerts, to know what properties in your close proximity are to be developed, so that you can object to clear felling or illegal tree removal via your Councillor or straight to the Planning department of your Council. https://www.planningalerts.org.au/

LEARNING AND INFORMING OUR COMMUNITY

We are active in learning about Climate Change and the effect on certain species, that may succumb.

It is not as easy as choosing trees from WA or QLD and hoping that will work, as different species assist in being food sources for bird life, it needs to be a whole ecological approach.

COLLABORATING WITH BUSINESS

We work with a local business for half a day, assisting a group of workers who want to give back to the community in a joint planting with MCC bushland team. We have enhanced Ringwood Lake, and this year will plant along Mullum Mullum creek, to help protect one of two major waterways that run through our region.

The moth only lasts about 2 days just long enough to lay eggs for the following year.

Courtesy Australian Museum. An Emperor gum caterpillar.

Croydon Conservation Society is a registered charity, and as such donations can be made, or you can become a member for $15 annually to help support our work.

UTILIZING OPEN SPACE FOR PUBLIC USE

Along the Healesville freeway reserve CCS supports the concept of temporary or semi- permanent use of the land as passive bike tracks, walking paths, revegetated land with trees to offset what is lost at the rail line. There is a FB group which is already creating change, called Friends of Healesville freeway reserve friendsofthehealesvillefreewayreserve.org

ENCOURAGING APPRECIATION OF BIRD LIIFE

We have created a demountable tree, that is available free to borrow, for schools or even retirement villages as an activity to create a particular bird (templates available) which can then be mounted on the tree, for a display.

Railway crescent east of Croydon Station

Changes to instant asset write-off scheme from 1st July 2023

By Warren Strybosch

Have you thought about purchasing another asset for your business, but you are unsure if you should or not? Is there any benefit in doing so before 1st July 2023?

Here we try to explain what the changes are and whether or not you should consider purchasing an asset before 1st July 2023.

In summary, here are the changes:

• Temporary full expensing will end 30 June 2023.

• From 1 July 2023 to 30 June 2024, the instant asset write off threshold will be $20,000 per asset.

On Budget night we heard that the Instant asset write-off measure would end this financial year. From 1 July, it will revert to the previous instant asset write off scheme, but with a higher threshold.

Rather than dropping immediately to $1,000, the threshold will be $20,000 per

Scheme/Initiative Benefit

asset until 30 June 2024, which means that eligible businesses with revenue under $10 million will be able to write off the full value of eligible assets up to $20,000 that are first used or are installed ready for use during FY 2023-24. With the threshold applying per asset rather than per business, multiple assets up to $20,000 that meet the criteria can be written off immediately.

Time to talk

It might be time to talk to your accountant about any changes that might be coming, and how they will impact capital asset plans in our business.

Those planning to take advantage of temporary full expensing need to do so before EOFY, with the asset installed and ready for use. Those considering purchases early in the new FY may consider bringing those plans forward to take advantage of the scheme, but cash flow impacts need to form part of the decision.

Asset eligibility

Other business owners who plan to invest in assets up to $20,000 in the next FY and take advantage of the instant asset write off should not count on the temporary measure extending beyond 30 June 2024 – the assets must be ready for use by that date.

It could be better to wait

Those businesses considering assets that are eligible for the Small Business Energy Incentive may consider waiting until after EOFY regardless of the end of temporary full expensing.

Eligible businesses will be able to claim a bonus tax deduction of 20% for spending on assets that supports electrification and energy efficiency that are installed during FY24 with a maximum claimable expenditure of $100,000.

This sets a ceiling of $20,000 as the maximum bonus tax deduction.

Business eligibility

Eligibility period

Instant asset write off

Immediately deduct the full cost of eligible assets.

Small Business Energy Incentive

Bonus tax deduction iof 20% of spending on eligible assets or upgrades

Assets must not cost more than $20,000 per asset. Multiple assets can be claimed.

Must support electrification or energy efficiency. Up to $100,000 of total expenditure.

Sources: Instant asset write off | Small Business Energy Incentive

Aggregated turnover of less than $10 million.

Must be first used or installed ready for use in FY24.

Annual turnover of less than $50 million.

Must be first used or installed ready for use in FY24.

The 5 C’s of Lending – The Secret to Getting Your Mortgage Application Approved

MORTGAGE BROKERING

By Reece Droscher

There are many aspects to a Home Loan Application that financial institutions consider when assessing whether to approve or decline the application. Primarily the success or failure of an application will come down to the applicant’s ability to overcome the 5 C’s of credit: Character, Collateral, Capacity, Capital and Conditions. So what are these C’s and how do they impact on your ability to get a Home Loan.

CHARACTER

The first C of Character is based on your willingness to repay your mortgage. Lenders will refer to your credit history when determining whether you have a proven track record of repaying any previous credit facilities on time, or have operated a continuous credit line such as a credit card within the terms of the facility. Any issues identified on your credit history, such as payment defaults or bankruptcy, may immediately see your application fail this test and therefore it is declined.

Other aspects of the Character test that are considered are:

- The applicant’s employment stability.

- Does the applicant change address regularly?

- Are bill payments made on time?

If your credit history is not great it does not mean you are unable to get a Home Loan. You may need to consider looking at non-conforming Home Loans, which are available for applicants who may not overcome the Character test when applied to credit.

CAPITAL

Capital is the second C and represents the applicant’s net worth, the value of your assets minus the liabilities. Effectively the lender will look at personal assets like cars, savings in your bank accounts, investments such as shares and any property that you own, and deduct things like credit cards, personal loans and any other loans or credit facilities you have at the time of submitting the application. The value left is your net worth.

The lender considers this as it demonstrates an applicant’s ability

to accumulate assets. It works in conjunction with the first C, Character, as the willingness to repay debt should improve an applicant’s net worth.

An applicant’s life stage will also influence whether an applicant passes the Capital test. A young applicant would not be expected to have accumulated as many assets when compared to a middle-aged applicant. Where an older applicant does not have a significant net worth it may indicate that they spend too much and haven’t allocated any money into savings or buying other assets. Some lenders will decline an application where the applicant’s net worth is below what is expected of someone of their age.

CAPACITY

Lenders use the third C of credit, Capacity, to determine an applicant’s ability to repay the proposed debt. They measure this by calculating all forms of income an applicant receives (salary, rental from investment properties, share dividends, some Government pensions) and compares this to the loan repayments or commitments an applicant currently has, including any living expenses, credit card limits, personal loans or other loans. Should there be enough income left over after deducting these repayments to meet the proposed repayment on the Home Loan requested, then Capacity has been met. Please note that Banks will use a default interest rate, usually a margin of 2.5% above the advertised interest rate, when completing Capacity calculations, as they like to see that the applicant will be able to meet the repayments should interest rates go up.

COLLATERAL

Collateral refers to the property that is used to secure the loan. For a Home Loan this is the property that you will be purchasing or, for a refinance, a property you already own. Typically, the value of the security should be greater than the size of the home loan requested.

The fourth C is very critical to the success of your loan application as the lender must hold adequate security to ensure their risk of lending to you is mitigated. If you’re unable to make your mortgage payments as agreed, the bank has the right to seize your property to repay the debt after all other avenues have been explored. There needs to be sufficient value in the Collateral offered to clear the debt in full should this situation occur. There are other options available should you be unable to meet the Collateral requirements, such as guarantor loans, that you may be able to consider.

CONDITIONS

The final C is the one that can be the most challenging to meet as it is sometimes out of the applicant’s control. Conditions refers to the general market conditions that are present at the time you apply for the loan, such as the current interest rates available, perceived employment security and other events that may impact on your ability to meet the proposed loan repayments. This is particularly pertinent to the current situation we have with an increasing interest rate environment and cost of living pressures, so lenders are taking a conservative approach when considering whether the current market conditions will impact on a borrower’s ability to repay the proposed debt. If you are able to pass all of the 5 C’s you should not have difficulty proving you are a credit-worthy prospect and would meet the criteria to have your application approved. However even if you don’t pass all of the 5 C’s there still may be options out there to assist you. Your mortgage broker is best-suited to help you navigate through the market and find the most appropriate solution that meets your needs.

At SHL Finance we are ready and willing to help you achieve your Home Loan finance goals.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs.

reece@shlfinance.com.au

www.shlfinance.com.au

By Peter Horton

Is there the possibility that your club could fold?

If this is the case what does your club need to do?

Your club needs to take immediate action and carry out a review to determine why your club could be in such a position.

The review needs to identify the problems along with the action that your club needs to seriously undertake to ensure your clubs survival.

If it’s a financial issue – in other words a lack of funds - then the club needs to look at its revenue streams and develop plans to remedy the situation as a matter of urgency.

Sponsorship – contact local businesses to seek their support.

Investigate Government (Local Council, State & Federal) grants for sporting clubs.

Undertake fundraising and social events designed to attract attendance from people outside the club.

Build your membership – more members increase the revenue gained from subscriptions and members

sporting club?

purchasing uniforms and club accessories let alone members and friends buying a drink from the bar

To ensure the long-term viability you need to have a pro-active board of directors.

The members need to be confident that the board has people in positions

whereby they can use their skills and abilities to work on developing solutions and resolve the problems that have potentially placed your club in an unenviable position.

No one wants to see a club fold – not you – not your fellow members – not the local community.

What is the long-term viability of your

By Macquarie

What’s an impersonation scam?

An impersonation scam is when a scammer contacts someone by phone or SMS and impersonates a bank or other service company. They then convince the customer to authorise transactions, make a payment, or provide personal information.

Scammers go to great lengths to look authentic. Before contacting someone, scammers do their research and have well-thought-out details at hand, such as partial card and account numbers. This level of detail allows the scammer to gain the customer's trust as they sound more convincing.

Recently, scammers have been coldcalling people and using sophisticated scripts and techniques to sound more professional and believable. For example, scammers may introduce themselves as a Macquarie employee using names and job titles obtained on platforms such as LinkedIn to convince the customer that they’re talking to someone from Macquarie.

In 2022, Scamwatch received 14,603 reports on bank impersonations with more than $20 million reported lost. More than 90 of these reporters individually lost between $40,000 and $800,000*. It’s important to stop and consider when we’re being asked to give personal information.

What to look out for

• Unsolicited contact. Consider whether being contacted makes sense in this scenario.

As scams evolve, so can you

• Scammers often pitch the reason as urgent and want you to act quickly.

• They pretend to be from the fraud security team to sound more legitimate.

Remember

• We’ll never ask you to transfer funds to another account.

• Never share passwords with anyone.

• Check contact information and bank details for yourself using a trusted source. If you think you’re on the phone with a scammer, hang up and call the bank yourself on a trusted number.

• Avoid using phone numbers from text messages, contact your bank directly using a trusted source.

Read: 1 June31 August 2023

Get on top of the flu season

The following herbs can be a great winter beverage to prevent colds and flu, some of them will be easy to find as teas, others you may need to buy as dried herbs and use a tea infuser. This list can help you to understand the difference between different immune herbs, by looking at their individual properties:

• Echinacea – antiviral, antibacterial, tonic, immune modulating, antiinflammatory

• Elder – anticatarrhal (eliminates mucous), anti-inflammatory

• Rosemary – antimicrobial, antiinflammatory, antioxidant

• Thyme – antiviral, antibacterial, expectorant

If you find yourself coming down with a fever, along with the herbs above you can also help your body fight the virus. In the early stages of a fever, the body increases the basal temperature in order to kill the virus, so long as you are comfortable and the fever is under 39C, assisting the increase in body temperature can help to reduce the length of the fever (seek medical advice if you are pregnant, treating an infant, uncomfortable, or have a medical condition where a fever could be dangerous). Wrap yourself in a warm blanket and have warm drinks such as lemon, ginger and honey tea. Ginger is anti-inflammatory and stimulates circulation, lemon is high in vitamin C, and honey is antimicrobial.

For a sore throat licorice root tea is soothing and if you have lost your voice, can help to get it back sooner. It’s important to listen to your body, if you feel like staying in bed and resting, it might just be what you need!

NATUROPATH

By Kathryn Messenger

As we head into winter, we find ourselves once again in the cold/flu season, although from what I have seen, it has begun earlier this year.

Whilst words like “virus”, “immune”, and “COVID” or “COVID-19” still invoke a stress response in most of us, the truth is that we will likely be more aware of viruses than we used to be for many years to come.

Like all viruses, the covid-19 virus mutates over time which prevents the body from recognising the virus and fighting it more effectively. For this reason, some people find themselves being infected a second or third time, and it’s no less severe than the first time.

There are also other seasonal viruses that do not test positive to a Covid test. Whether it’s due to a lack of exposure to viruses with 2 years of winter lockdowns, or whether the viruses are particularly aggressive this year, many people find themselves sick for longer than they normally would.

There are many natural remedies you can make to help prevent viral infection, reduce the severity, and reduce the likelihood of long term infections. Herbal teas are a great place to start. In terms of herbal medicine, they are a low dose, so you will need to drink them throughout the day and for at least a few days. If you like to sweeten your tea add a little manuka honey, it also has an antiviral effect.

If you do find that you have recurrent viral infections a naturopath has lots of treatments to strengthen your immune system. Book an appointment today to get on top of it before your next infection.

Kathryn Messenger

BHSc (Naturopathy)

kathryn@wholenaturopathy.com.au

Suite 1 53/1880 Ferntree Gully Rd

Mountain Gate Shopping Centre

Ferntree Gully, Victoria

The Victorian COVID Debt Recovery Plan “levy”

By Warren Strybosch

The COVID-19 pandemic has brought about unprecedented economic challenges globally, with governments around the world implementing various measures to mitigate its impact. One such measure that has been proposed in some countries is the COVID Debt Recovery Plan "levy." This levy is intended to help recover the significant debts accumulated during the pandemic and support economic recovery in the aftermath.

The COVID Debt Recovery Plan levy is a financial mechanism whereby a specific percentage or amount is imposed on certain individuals, households, or businesses to contribute towards repaying the debts incurred due to the pandemic. The idea behind this levy is to distribute the burden of debt repayment more equitably and ensure that those who have the means to contribute bear a fair share of the recovery costs.

With the increasing Victorian debt, the Labor government, in a bid to find ways to raise further revenue, have decided to source additional revenue via their so called, Covid Debt Recovery Plan, by taxing large businesses and those with additional land as follows:

• From 1 July 2023, large businesses with national payrolls above $10m a year will temporarily pay additional payroll tax. A rate of 0.5% will apply for businesses with national payrolls above $10m, and businesses with national payrolls above $100m will pay an additional 0.5%. The additional rates will be paid on the Victorian share of wages above the relevant threshold and are estimated to raise $3.9 billion to repay COVID Debt over four years.

• From 1 January 2024, the tax-free threshold for general land tax rates will temporarily decrease from $300,000 to $50,000. The family home will remain exempt from land tax. Those who pay land tax will attract a temporary additional fixed charge starting at $500 for landholdings between $50,000 and $100,000.

There will be a $975 fixed charge for landholdings above $100,000 and the tax rates will temporarily increase by 0.1 per cent for both general and trust taxpayers with holdings above $300,000 and $250,000 respectively.

These changes are estimated to raise $4.7 billion to repay COVID debt over four years.

Proponents of the COVID Debt Recovery Plan levy argue that it promotes fiscal responsibility and helps avoid longterm economic instability. By sharing the burden of debt recovery across the population, it reduces the strain on government finances and prevents excessive borrowing, which could lead to inflation or increased taxes in the future.

Additionally, it ensures that those who have profited or remained financially stable during the pandemic contribute their fair share towards rebuilding the economy.

However, critics of the levy express concerns about its potential negative impact on already struggling individuals and businesses.

They argue that imposing additional financial obligations could hinder economic recovery by reducing consumer spending and stifling business growth.

Let’s face it. The Victorian government is nearly at a crisis point regarding their current debt levels. They know they must find more ways to increase revenue and so it makes sense to them to introduce a ‘levy’ and target big business and those more fortunate than us to cover the bill.

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them. WorkCover Victoria will investigate instances where an employer is not meeting their obligations and will prosecute and fine that employer.

WorkCover Victoria recently reported that an aluminium window and door manufacturer has been fined $70,000 after a worker had four fingers amputated while operating a saw at a Bayswater North factory.

Accent Management Services Pty Ltd was sentenced in the Ringwood Magistrates’ Court in May this year after pleading guilty to a single charge of failing to provide or maintain a safe working environment. The company was fined, without conviction, and also ordered to pay $4,236 in costs.

In November 2020, the worker was using an electric mitre saw to cut lengths of aluminium, which he held steady by hand. After making a cut, the worker began lifting the saw with his right hand, but not enough for the retractable guard to have moved fully back over the rotating blade. As the worker simultaneously reached underneath the saw with his left hand, he made contact with the rotating blade, amputating four fingers.

The injured worker was taken to hospital where all but one of his amputated fingers were reattached.

A WorkSafe investigation found that although the saw was fitted with a pneumatic clamping system to hold aluminium sheets and reduce the risk of bodily contact with the blade, it had become common practice for workers not to use the clamps when making 90-degree cuts.

The court heard it was reasonably practicable for the company to have provided a system of work that required workers to use the pneumatic clamps and timber shims to secure the sheets for all cuts of aluminium when using the saw, and to provide instruction and training to workers on the use of the clamps and shims.

Manufacturer fined after worker's fingers amputated

WorkSafe Executive Director of Health and Safety Narelle Beer said it was up to employers to ensure workers were appropriately trained and using machinery correctly.

“No one should have to suffer such awful injuries at work, there are simply no excuses,” Dr Beer said.

“Safety measures, such as pneumatic clamps in this case, are only effective if employers ensure their workers are properly trained and the equipment is actually being used as intended.”

To manage risks when working with machinery and plant, employers should:

• Identify hazards, assess the risks associated with them, and eliminate or control those risks by isolating them or using an alternative.

• Train staff in the safe operation of machines and equipment and provide written procedures in the worker's first language.

• Develop and implement safe operating procedures in consultation with employees and health and safety representatives.

• Ensure safety guards and gates are compliant and fixed to machines at all times.

• Regularly service and inspect machines and equipment.

• Place signs on or near a machine to alert employees of the dangers of operating it.

As a business owner, are you confident that you do not have shortfalls in your

efforts to keep your workers healthy and safe? Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe?

At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation. Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com. au for an obligation and cost-free initial discussion.

Mark Felton

ACCOUNTANT

By Warren Strybosch

The ATO is likely to issue fewer refunds as they tighten on expense claims related to rental properties, work claims and capital gains tax (CGT).

The Australian Taxation Office (ATO) has outlined its focus areas for the 2023-24 financial year, with particular attention being given to rental properties, work claims, and capital gains tax. These areas have been identified as priorities due to their potential for noncompliance and revenue leakage.

The ATO Assistant Commissioner, Tim Loh, has stated, “Within these areas we have identified common mistakes and are particularly focused on addressing these and supporting taxpayers and registered tax agents to get their claims right this year.”

Rental properties have long been a key area of interest for the ATO. With the rise of the sharing economy and the increasing popularity of platforms such as Airbnb, the ATO is keen to ensure that taxpayers accurately report their rental income and claim only legitimate deductions. The ATO will be scrutinizing claims related to rental income, expenses, and depreciation to identify any instances of overstatement or fraudulent reporting. Taxpayers will need to maintain accurate records and ensure they understand the rules and limitations around rental property deductions to avoid potential audits or penalties.

“We expect fewer people will receive a refund or may receive smaller refunds than they were expecting, and more may have tax debts to manage.”

Mr Loh said nine out of 10 rental property owners were getting their returns wrong with errors such as omitting rental income, overclaiming expenses or claiming for improvements to private properties.

With 87 per cent of landlords using tax agents to prepare their returns, the ATO said its analytics systems could now highlight residential property loans along with other rental data.

“We encourage rental property owners and their registered tax agents to take extra care this tax time and review their records before lodging their return,” Mr Loh said.

ATO Focus for 2023-24 FY:

Rental properties, work claims, & CGT

The ATO was especially concerned to ensure rental property owners understood how to correctly apportion loan interest expenses where part of the loan was used for private purposes.

“You can only claim interest on a loan used to purchase a rental property to earn rental income,” Mr Loh said. “If your loan also includes a private expense, such as for a new car or a trip to Bali, you can only claim an interest deduction for the portion relating to producing your rental income.”

In addition to rental properties, the ATO will be closely examining work-related expense claims. This area has always been a focus for the ATO, as it represents a significant portion of individual taxpayers' claims. However, with the increasing prevalence of remote work and the blurred lines between personal and business expenses, the ATO aims to ensure that taxpayers are correctly apportioning their claims and not inflating deductions. Taxpayers will need to keep detailed records, such as receipts and logbooks, to substantiate their claims and be prepared to provide evidence if requested by the ATO.

Capital gains tax (CGT) is another area where the ATO will be directing its attention. With the property market experiencing significant growth in recent years, there is an increased likelihood of taxpayers making gains on the sale of their assets. The ATO will be closely monitoring these transactions to ensure that taxpayers are correctly calculating their CGT liabilities and reporting them accurately. Taxpayers should ensure they are aware of the CGT rules, including the availability of any exemptions or concessions, to avoid unintended non-compliance.

Last year’s tax crackdown on crypto has morphed into a broader concern over CGT events for a wide range of assets.

The ATO said CGT applied to any disposal of shares, managed investments, properties and, of course, crypto.

“To ensure you are meeting your obligations and paying the right amount of tax, you need to calculate a capital gain or capital loss for each asset you dispose of unless an exemption applies,” the ATO said.

To support its focus on these areas, the ATO will be leveraging data-matching technology and advanced analytics to identify patterns and anomalies. This will allow them to target specific taxpayers or industries where noncompliance is more likely. The ATO will also be conducting education campaigns to inform taxpayers about their obligations and provide guidance on how to meet their tax obligations correctly.

Don’t fall into the trap of thinking we won’t notice if you sell an asset for a gain and don’t declare it,” Mr Loh said.

It is essential for taxpayers to be proactive in understanding their tax obligations, keeping accurate records, and seeking professional advice if needed. By staying informed and compliant, taxpayers can avoid potential audits, penalties, and the associated stress and financial implications. The ATO's focus on rental properties, work claims, and capital gains tax highlights the importance of accurate reporting and demonstrates their commitment to maintaining the integrity of Australia's tax system.

(Source:https://www.ato.gov.au/Media-centre/Media-releases/In-the-

HECS-HELP debts increase with inflation

By Warren Strybosch

HECS-HELP debts in Australia are designed to increase with inflation to ensure their real value is maintained over time. The Higher Education Contribution Scheme (HECS) assists students in financing their tertiary education, allowing them to defer their tuition fees and repay them later through the Higher Education Loan Program (HELP).

Inflation refers to the general increase in prices over time, which reduces the purchasing power of money. To account for this, HECS-HELP debts are indexed annually to keep pace with inflation. This indexing ensures that the amount owed adjusts to the changing value of money, preventing the erosion of the debt's real worth. Consequently, borrowers are required to repay an

CONGRATULATIONS!

WARREN STRYBOSCH

Find Group

on winning the Holistic Adviser of the Year again at the IFA Excellence Awards 2022.

Whilst not great news for those students who are about to finish VCE and embark on a TAFE or university course and were considering accessing HELP loans, the good news is that the threshold that determines the income level at which borrowers are obligated to start repaying their debts has risen in line with inflation as well. The Government has released details of repayment incomes and rates for the HELP for the 2023-24 income year.

The minimum repayment income is $51,550 for the 2023-24 income year. For full details, see here. This means that individuals earning below this threshold are not required to make any repayments towards their HECS-HELP debts. However, once an individual's income surpasses this threshold, a portion of their income is automatically deducted through the taxation system to contribute towards the repayment of their debt.

By linking HECS-HELP debts to inflation and implementing a repayment threshold, the Australian government aims to ensure the accessibility and fairness of higher education funding, making it manageable for students while also maintaining the sustainability of the system.

However, with increased food prices and living costs, it is going to be hard for those students when they finish their courses to have to pay rent, food, other living costs and to add to that their HELP-HECS loans.

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

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022

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

amount that reflects the prevailing economic conditions at the time. Looking back over the last 10 years, we can see how low the HECS indexation rate has been until 2022 and then there has been a significant jump in 2023.

(Source: ato.gov.au)

Minimum 50% Drawdown of pensions is set to end

FINANCIAL PLANNER

By Erryn Langley

The ATO has reminded all retirees and SMSF trustees that the temporary 50% reduction in the minimum annual payment amounts for account-based pensions/annuities and similar products will not be extended to the 2023-24 financial year.

The temporary reduction of minimum pension drawdown rates was initially implemented to address the financial strain faced by retirees during the height of the pandemic. As the world grappled with the economic impact of lockdowns and restrictions, retirees faced reduced income and uncertain financial futures. In recognition of this hardship, governments sought to provide immediate relief by allowing individuals to draw down a lower minimum percentage of their pension savings, typically 50% of the standard rate.

However, as economies recover and financial markets stabilize, the need for these reduced drawdown rates diminishes. Governments and financial authorities have closely monitored economic indicators and assessed the prevailing circumstances to determine the appropriate time to revert to the prepandemic minimum pension drawdown requirements. The decision to end the temporary 50% drawdown rates reflects this evaluation and signals a return to a more normal pension landscape.

This means the minimum annual drawdown for 2023/24 will return to standard rates, as shown in the table below:

is advice that can be obtained to help retirees navigate their retirement years. The temporary 50% minimum pension drawdowns, implemented as a response to the economic challenges of the COVID-19 pandemic, are set to end. If you are not sure how this change will impact your pension, future goals and longevity risk e.g., having enough in retirement, then consider having a review of your situation with an award-winning financial advisor from Find Retirement. You can call 1300 557 144 or email info@findretirement.com.au to organise a free, no obligation meeting, to discuss your retirement needs.

It might not seem an ideal time to increase the minimum drawdown rates given economic conditions and market performance have not improved as one had hoped since the pandemic. In fact, some might say it has worsened, with the cost of living increasing. It is hoped that retirees can expect more stable returns on their investments in the future, enabling them to meet their retirement needs without relying on reduced drawdown rates.

It is important to note that the decision to end temporary drawdown reductions does not imply a lack of support for retirees. Governments and financial institutions remain committed to ensuring the financial security and well-being of retirees. Individuals can still access various resources and seek guidance on managing their pensions effectively. Pension providers can continue to offer a range of investment options and there

Erryn Langley

1300 557 144 | erryn@findwealth.com.au www.findwealth.com.au

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of AllianceWealthPtyLtdABN93161647007(AFSLNo.449221).PartoftheCentrepoint Alliance group https://www.centrepointalliance.com.au/

Erryn Langley is Authorised representative (No.1269525) of Alliance Wealth Pty Ltd.

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

LACTATION CONSULTANT

By Dr. Joanna Strybosch

Domperidone, sold under the brand name Motilium, is a prescription medicine generally used for nausea and vomiting. However, in lactating mothers it is also used off-label to aid breastmilk production. It is used in cases of low supply and when extra breastfeeding or expressing are not enough to increase milk supply.

Domperidone belongs to a class of drugs known as dopamine antagonists, and it primarily works by blocking the dopamine receptors in the brain. Dopamine is a neurotransmitter that inhibits the release of prolactin, a hormone responsible for milk production. By blocking dopamine receptors, domperidone increases prolactin levels, thereby promoting lactation.

The use of domperidone in breastfeeding mothers with low milk supply has gained popularity due to its potential to enhance milk production. It is often prescribed

What’s the Deal with Domperidone?

when other non-pharmacological methods, such as frequent breastfeeding, proper latch, and adequate hydration, have failed to improve milk supply.

Clinical studies have demonstrated the effectiveness of domperidone in increasing milk production. It has been shown to enhance prolactin levels and significantly improve milk supply in lactating mothers. However, the exact mechanisms by which domperidone stimulates milk production are not fully understood. It is believed to work by increasing the release of prolactin from the pituitary gland and by stimulating the suckling reflex in infants.

When prescribed for lactation support, domperidone is typically taken orally as tablets or suspension. The dosage and duration of treatment vary depending on individual needs, and it is important to follow the healthcare provider's instructions. Domperidone is usually started at a low dose (1x 10mg tablet) and gradually increased as necessary, commonly to 30mg (3x 10mg tablets) per day. The treatment duration may vary, but it is often recommended to

continue the medication until the desired milk supply is achieved, and then it can be gradually tapered off. It is important to note that domperidone should only be used under medical supervision, as it is associated with certain risks and side effects.

The most common side effects include headache, dizziness, dry mouth, and gastrointestinal disturbances such as diarrhea or constipation. In rare cases, it may cause serious cardiac arrhythmias, especially in individuals with underlying heart conditions or those taking other medications that can interact with domperidone. Therefore, it is important to discuss any existing medical conditions or medications with a healthcare professional before starting domperidone.

By Victoria Police

This grand old thing is the Victoria Police Academy.

It's trained more than 30,000 recruitsPolice, Protective Services Officers (PSOs) and Police Custody Officers (PCOs) - for the past 50 years.

Before that, the site was used as a market garden and for training local military units during World War I.

In 1959, the original building was built to become Corpus Christi College and Chapel, but due to a lack of new priests, the building was never completed (see sketched image).

Victoria Police Academy

On 1 April 1973, Victoria Police commenced its training at the grounds.

Today, the 16-hectare site in Glen Waverley accommodates state of the art facilities and support services including a library, swimming pool, basketball courts, a Prayer room, Welfare and Student Services Unit, as well as a mock court room, police station, village and train station.

The journey with Victoria Police starts at the Academy and involves 31 weeks of full-time, structured training.

For many recruits, the bonds they build with squad members and mentors lasts a lifetime.

If you’ve been thinking about a career in policing, or simply have a general interest in what it takes to become an officer, head here > https://www.police. vic.gov.au/police-officer-training

2023 TAX UPDATES

Payday super to be introduced

As part of the 2023 Federal Budget, the government has announced the introduction of “payday super”.

Aiming to provide better retirement outcomes for employees, from 1 July 2026, employers will be required to pay their employees super at the same time as their salary and wages.

This measure will also increase transparency for employees as well as the ATO for any unpaid superannuation entitlements.

Lower paid, casual and insecure workers will benefit the most by this measure are they are more likely to miss out when super is paid quarterly or less frequently.

Payday super to be introduced

As part of the 2023 Federal Budget, the government has announced the introduction of “payday super”.

Aiming to provide better retirement outcomes for employees, from 1 July 2026, employers will be required to pay their employees super at the same time as their salary and wages.

This measure will also increase transparency for employees as well as the ATO for any unpaid superannuation entitlements.

Lower paid, casual and insecure workers will benefit the most by this measure are they are more likely to miss out when super is paid quarterly or less frequently.

Small business energy incentive

Businesses with an aggregated turnover of less than $50 million will be entitled to a 20% deduction for expenditure that supports electrification and more efficient use of energy.

This bonus deduction will be available for expenditure incurred from 1 July 2023 until 30 June 2024.

The additional deduction will be available for eligible expenditure of up to $100,000 and is therefore capped at $20,000 for each business.

The temporary measure will apply to eligible assets or upgrades first used or installed ready for use between 1 July 2023 and 30 June 2024.

Small business instant asset write-off to be reintroduced

With the temporary full expensing (TFE) incentive due to end on 30 June 2023, the federal government has announced the reintroduction of the small business instant asset write-off.

This measure will provide businesses with cash flow support and reduce compliance costs. Assets that cost $20,000 or less may be eligible for this incentive.

From 1 July 2023, small businesses with aggregated annual turnover of less than $10 million will be able to immediately deduct the full cost of eligible assets.

Eligible assets must be first used or installed ready for use between 1 July 2023 and 30 June 2024, and the write-off applies on a per asset basis.

2023 TAX UPDATES

Housing measures announced for affordability and ownership

A number of housing measures have been introduced in the 2023 Federal Budget to support social and affordable housing and improve access for home buyers.

These measures aim to combat the current social housing affordability difficulties that buyers face and provide easier access to home ownership.

From 1 July 2023, eligibility criteria for the Home Guarantee Scheme will be expanded to allow any 2 eligible people to be joint applicants for a guarantee, which has previously been restricted to spouses and de facto partners.

The government will also increase resources devoted to supporting social and affordable housing along with aiming to provide more houses under the Home Guarantee Scheme.

Small business lodgment penalty amnesty

A number of measures aiming to support small businesses were announced by the Labor government as part of the 2023–24 Federal Budget.

As part of that, small businesses will be given an amnesty which will remit eligible failure-to-lodge penalties for late lodgments.

This measure will provide small businesses with cash flow support and reduce compliance burdens of applying for a remission.

At this stage this is a proposed measure and will require parliamentary approval to become law.

Increased amendment period for small businesses

The federal government announced in its 2023–24 federal budget a measure that will provide small businesses with an additional 2 years to amend their income tax returns.

At present, the Commissioner may amend an assessment for small to medium business taxpayers for up to 2 years.

This proposed measure aims to help small businesses deal with the compliance burden of having to apply for an extension of their amendment period.

This measure, subject to receiving parliamentary approval, will commence from 1 July 2025.

Update on NALI amendments for SMSF general expenses

The non-arm’s length income (NALI) measure announced by the Coalition government in 2022 will be amended to provide greater certainty to taxpayers.

The intention of the proposal is to include a factor-based approach for trustees to be able to adequately calculate the amount of SMSF income that is NALI income. This factor-based approach applies to a situation where general expenses of the fund are not at arm’s length amounts.

The factor-based approach would apply to general fund expenses incurred after 1 July 2023.

Council’s Tree Maintenance team will be out and about until September planting over 2500 new trees in Maroondah.

A mix of indigenous and exotic species will be planted along nature strips and walking trails, and in safe Walk and Ride to School zones. Maroondah’s parks and reserves will also benefit from additional greening.

Trees and shrubs are planted annually throughout the city, either in place of plants that have reached their end of life or to build on Maroondah’s leafy environment.

The best time for trees to be planted is during the cooler months when trees are not exposed to heat stress and can establish quickly.

Street trees are specifically chosen for their site suitability, environmental benefits, resistance to drought and ease of maintenance.

Factors such as tree height, spread, form, growing space, powerlines, drains, neighbourhood character and traffic are also considered when selecting trees to be planted to protect and enhance the urban forest in Maroondah.

Maroondah branches out with over 2500 new trees

School zone planting program

In June, Council’s Tree Maintenance team will be planting more than 400 trees along the Walk to School routes of Croydon Primary School, Ainslie Parklands Primary School, Eastwood Primary School and Heathmont East Primary School.

These Walk to School routes have been identified as having lower canopy cover and tree populations, so the new additions will increase shade and canopy cover, ensuring the walk to school is safe and enjoyable for children and families. We encourage school children and families to keep an eye out for these new trees and watch as they grow over the coming months and years.

The school zone planting program will be rolled out along all participating primary schools’ Walk to School routes in Maroondah over the coming years and for all schools within Maroondah in the coming decade.

National Tree Day

National Tree Day is held on the last Sunday of July each year and encourages people to get their hands dirty and give back to their community.

Council is once again supporting National Tree Day by co-hosting a free planting day at Eastfield Park in Croydon with Friends of Tarralla Creek and the First Friends of Dandenong Creek. Come along on Sunday 30 July at 10am and help plant 4500 plants to enhance

Support our local environment

the biodiversity and environment in the area. The planting day will take place at the end of Taylors Road, Croydon and along the Tarralla Creek Trail.

If you are interested in supporting our local environment, there are a range of local environmental groups and environmental events in Maroondah that you can take part in.

• Learn more about local environmental groups and activities

• Learn more about upcoming environmental events in Maroondah

Renewable energy agreement powers savings

Council is making substantial cost and emissions savings by powering its municipal offices, community buildings, leisure centres and sports grounds with 100 per cent renewable energy.

Maroondah is one of 51 councils to have switched to renewable energy through the Victorian Energy Collaboration (VECO), which enables Councils to source clean renewable energy generated from Victorian wind farms.

In the first year of joining VECO, Maroondah and fellow VECO Councils have collectively saved $2.6 million in energy costs, while local carbon emissions have been cut by around 5900 tonnes. Not only does this benefit the environment, but it means savings can be redirected to other Council services and programs.

Mayor of Maroondah, Councillor Rob Steane, said the partnership has led to positive outcomes.

“Council has been achieving some excellent progress in sustainability through our work with the Victorian Energy Collaboration, and we are proud that Maroondah has been certified as one of only 10 carbon neutral Councils in Australia,” Cr Steane said.

“As part of Council’s clean, green and sustainable vision for the future, our work in this space will continue to make a difference and help future generations access the same opportunities we enjoy today.”

Launched in July 2021, VECO is the largest-ever emissions reduction project undertaken by local government in Australia. The collective investment in Victorian renewables has delivered partnering Councils with cheaper electricity under a 9.5-year deal with supplier Red Energy.

From July 2021, that renewable energy has been used to power Council-owned infrastructure, such as community venues, leisure centres and sports grounds. Through the collective buying of renewable energy, Councils have already saved around 172,000 tonnes of greenhouse emissions – the equivalent of powering up to 35,000 homes or taking 66,000 cars off the road each year.

Maroondah’s VECO investment is not only helping Council to reduce its operating costs, but also ensures we maintain our status as a Carbon Neutral organisation – further helping us to achieve our emissions reduction.

Learn more about the Victorian Energy Collaboration (VECO).

Solar Savers Program

Council is also taking part in the Solar Savers Program through our partnership with the Eastern Alliance for Greenhouse Action (EAGA). The program supports Maroondah residents, including homeowners, renters and businesses, who would like to install rooftop solar and battery storage, connecting them

with technical advice and information about available rebates.

Rooftop solar is great for reducing electricity costs and greenhouse gas emissions, especially if you:

• use appliances during the day

• work from home

• spend 3 to 4 days at home each week

• care for someone in need.

Solar SaversInformation session

Residents can register for the free Solar Savers information session on Wednesday 14 June to learn more about solar energy and discover whether it is a suitable renewable energy solution for their home.

The session will cover how solar systems work, which properties are most suitable for solar, current government incentives and benefits the system offers.

Further information

• Learn more about the Solar Savers Program

• Learn more about the Eastern Alliance for Greenhouse Action

This is a professional learning session for early childhood educators and tertiary students.

The aim of road safety education is for educators to work with children and their families to develop skills, behaviours and attitudes that assists children to be safer on our roads as passengers, pedestrians and users of bicycles and other wheeled toys.

Road safety education (RSE) requires intentional (thoughtful, purposeful, and deliberate) planning that articulates the way educators support children to acquire the skills to be effective road users into the future.

Road safety education must be evidence based and match the child’s stage of development and level of independence as a road user. As children develop these skills, they become safe and active participants in their communities, now and into the future.

The session

The session will include:

• the statistics of child road trauma

• why children are at particular risk

Embedding road safety education into curriculum

• Victoria’s Road Safety Strategy

• children as pedestrians, passengers, and cyclists

• safe carparks

• child car seats

• parent and community engagement and partnerships

• structures, regulations and policies

• risk assessments

• National Quality Framework –exceeding themes using RSE

• effective practices for RSE curriculum decisions

• getting out and about

• Quality Improvement Planning

Event details

• Suitable for early childhood educators and tertiary students

• Date: Tuesday 20 June 2023

• Time: 7pm to 8.30pm

• Venue: Karralyka, Mines Rd, Ringwood East

• Presented by Karen Glancy (Starting Out Safely program facilitator)

• This is a free event and bookings are essential.

Book online

This session is being delivered in partnership with TAC and ELAA.

About the presenterKaren Glancy

Karen Glancy has extensive experience in early years education and care services, including private and community based long day care, occasional care, sessional kindergarten, early learning centres in private schools, family education and support in the community and in early parenting centres, supported playgroups, TAFE teaching and inclusion support.

Funded by TAC, ELAA delivers Victoria’s early childhood road safety education program, Starting Out Safely. This event is proudly supported by Maroondah City Council.

Additional information

• If the ticket holder is unable to attend, they may give their ticket to another person.

• Certificates of attendance will be emailed after the session.

For more information, please contact Cathie Wills on 03 9294 5740 or email childrens.services.events@maroondah. vic.gov.au

Maroondah Council News

Friends Of Wombolano Park Volunteer Working Bee

Join Friends of Wombolano Park volunteers and help care for remnant bushland.

Friends of Wombolano Park volunteers help care for remnant bushland in Wombolano Park by removing weeds and planting indigenous plants. Other activities may involve laying jute mat for weed/erosion control and collecting litter.

Find out more

All things Reusablewebinar

Learn about reusable alternatives to everyday items

Join us to learn all about the reusable alternatives to everyday household items. This session is perfect for those starting out on their low-waste journey, or looking for a jump start for Plastic Free July.

Find out more

Boogie Bounce Bayswater North

This sensational high energy, low impact workout to get fir, have fun and bounce yourself healthy.All classes are performed on a mini trampoline with a T-Bar handle for your support.

Classes run on Sunday and Monday nights at 7pm. we are currently looking into a few day time classes- see calendar on Gymcatch to find out what classes are on.

Read More

Maroondah Council

Celebrating Maroondah’s Volunteers

With National Volunteer Week upon us, Council is acknowledging the invaluable contribution volunteers make to the Maroondah community.

National Volunteer Week, which runs from Monday 15 May to Sunday 21 May this year, recognises the vital support that millions of volunteers provide to their communities across Australia and encourages others to take up volunteering too.

Council acknowledged the many wonderful volunteers who provide a range of services and activities to the Maroondah community at the annual Community Volunteers function on Tuesday 16 May.

Mayor of Maroondah, Councillor Rob Steane, said volunteers are an essential part of our community.

“To all the volunteers across Maroondah, thank you for your dedication and generosity. Each of you plays an important role within your communities - be they school, business, family or friendship groups - and helps ensure Maroondah residents can access a range of services,” Cr Steane said.

“Your work is invaluable and very much appreciated by our community.”

Graham and Bev volunteer with Maroondah Probus, which connects retirees with social opportunities and leisure activities. They joined the group 19 years ago and have volunteered since then, with Graham currently serving his second term as President of the committee.

Graham enjoys the energy that volunteering brings while helping the community. Along with serving as President, he has been a convenor for a range of Probus activities over the years and has encouraged other members to share their special interests to “make someone else’s life a bit better”.

“It doesn’t seem like work, it’s fun for me, and if I can generate that for anyone else, that’s a real plus,” Graham said.

“Sitting here today, it felt great being a volunteer. It was great to look around the room and say, this is not about me, it’s about the community. No one is getting paid to do it, they’re doing it because they want to.”

Bev enjoys “mixing with others” and the friendships that volunteering can bring. She has assisted Graham with various roles over the years and said they “have enjoyed it all”.

“I started off doing welfare, but I’ve assisted Graham a lot - he’s done a lot of roles. I try to help where I can in a support role. So, the secretary was away a few weeks ago and I took the meeting minutes, things like that. But we’ve found as a team it works really well,” Bev said.

Jake has volunteered with Ringwood Football and Netball Club for seven years, including serving as President for five years. Jake also coaches one of the junior teams and is on the junior committee, along with working full-time and playing in one of the teams.

For Jake, volunteering is an opportunity to help others now and in the future.

“For me, it’s about the kids. We didn’t have a junior club years ago. We’ve managed to build one up again and the kids will have somewhere to play now for years to come. Hopefully my kids will have somewhere to play. It’s going to be a legacy that will long outlast me,” Jake said.

Volunteering also helps build a range of skills, Jake said, such as “managing people, doing things that need to be done, and time management”. Lyn has volunteered with Maroondah Symphony Orchestra for more than 15 years. As the Secretary of the committee

and a clarinet player, she enjoys sharing her skills with the community, building relationships and working collaboratively to achieve their goals.

“Being a volunteer means that you get so much more out of the time you spend doing something. I go to rehearsals to practice and volunteering enriches that experience. It’s really about the relationships. Being on the committee and volunteering enables me to interact with everybody,” Lyn said.

Bob and Bruce volunteer with Adventist Development Relief Agency (ADRA) Community Care through the Croydon Seventh-day Adventist Church. The organisation provides free food support for members of the community.

Bob and Bruce have been volunteering for about six years and both started shortly after entering retirement. “We help serve between 50 and 150 cooked meals for a sit-down dinner on a Thursday night and also deliver parcels containing fruit, vegetables and household staples,” Bob said.

For both Bob and Bruce, the work is good fun, but also humbling. “It humbles you - that’s probably the biggest thing I’ve taken from it,” Bruce said.

“We received a lot of chocolate for Easter and I took my load of deliveries to about four or five people in the community. I gave them all a bar of chocolate and said, ‘Happy Easter’. You should’ve seen the smiles on their faces,” Bruce said. “We had one person come in who really needed food. We gave her fruit, frozen food, dairy, vegetables, all sorts of stuff. She was so happy,” Bob said.

“If you can do something to help someone - even the smallest thing - it’s better than not doing anything.”

Interested in becoming a volunteer?

Council has more than 400 volunteers who deliver many of Council’s services,such as Meals onWheels, social support programs and bushland care.You can also use Council’s Community Directory to find a range of community organisations and groups that could also use your assistance.

Whetherit’sacoupleofhoursamonthoronaweekly basis, all volunteering contributions are welcomed and appreciated across a range of areas.

Providing exceptional care

Maroondah Occasional Care has achieved an Exceeding National Quality Standard (NQS) rating – the highest possible rating – in a National Assessment undertaken by the Department of Education.

The Department noted that the children’s sense of security and confidence at Maroondah Occasional Care was greatly influenced by the support and respectful connections that exist between educators, children and families, as well as between the educators themselves.

Early childhood services Australia-wide are regularly reviewed, assessed and rated against seven outcome areas in the National Quality Standard (NQS) to ensure that there is consistency and ongoing quality improvement in the early childhood sector and that children and families have access to high-quality education and care. Maroondah Occasional Care achieved an Exceeding rating across all seven outcome areas.

Mayor of Maroondah, Councillor Rob Steane, said this rating reflects the high-quality service delivered by the centre. “The National Quality Standard sets a high benchmark for providers throughout Australia, so for Maroondah Occasional Care to have achieved an Exceeding rating across all seven outcome areas is outstanding.

“This rating is a testament to the wonderful care and service that

Maroondah Occasional Care provides for our community.” In the assessment, Maroondah Occasional Care was also recognised for its inclusive partnerships with children and families, positive workplace culture and organisational values, sustained commitment to professional development and support of educators, and environments that enhance children’s learning and growth.

About Maroondah Occasional Care

Maroondah Occasional Care is a flexible, high-quality childcare service for children from 6 weeks to five

years of age. The Council-run service offers permanent bookings as well as casual/emergency bookings based on availability, giving families the opportunity to attend work or appointments, or for children to socialise with others in a mixed-age setting. The service is delivered by highly qualified educators, who offer a program based on the Early Years Learning Framework and the National Quality Standard (NQS) to ensure it is stimulating, developmentally appropriate and responsive to children’s individual needs and interests.

Learn more about Maroondah Occasional Care.

Croydon Masters Athletics

Weekly athletics meeting for athletes over 30.

Running, Walking, Throwing and Jumping events held on the Croydon Athletics Track every Tuesday evening at 6.30pm

Find out more

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT OF THE MONTH

Maroondah Winter Shelter

Maroondah Winter Shelter first opened its doors in 2018. The program provides support for homeless men in the Maroondah area. Volunteers provide care and support for up to 12 homeless men by providing homecooked meals, safe overnight shelter and an opportunity to wash and shower.

The program operates during winter, 7 nights per week and accommodation is provided in 7 different churches in Maroondah.

At dinner time our guests and volunteers all sit down together to eat. One guest with tears in his eyes said, this is just like being at home. I feel as though I am with family.

Referrals to the program come via Uniting Ringwood and Wellways. Our program starts 1 June-mid September. We welcome more volunteers, especially for the overnight shift 10pm-7am.

In 2020 when Covid hit, the program was not needed because most homeless people were given accommodation in motels.

Instead, it became a takeaway meals program and offered meals 4 times per week to people needing support. Winter Shelter Meals also provided meals to the staff from Circus Royale who were unable to perform during lockdowns and therefore unable to generate any income.

The meals program has now become a sit-down dining program operating from Croydon and Ringwood, twice per week. If you are interested in any either of our programs, please contact Gitta Clayton or see our web site to apply for the homelessness program or the community meals.

0451 744 453

www.wintershelter.org.au gitta.clayton@croydonhills.care

CONNECT WITH US

@maroondahwintershelter

50 new volunteers at the first night of training

2 of our volunteers

Do you have a will? Do you have children? Who will decide what happens to them if you die? Did you know - if you die without a will the law decides what will happen? Your wishes or your current situation won’t be considered.

Don't leave your legacy to chance. Join us for information on how to protect your children and your assets. Ensure your wishes are carried out both during your lifetime and after your death.

You will hear from a qualified professional from local law firm Hutchinson Legal, have a chance to ask questions and enjoy a complimentary light lunch with other community members. Don’t miss this opportunity to take control of your family’s future. Register now and secure your legacy.

Wednesday 17 May 11:00am - 2:00pm

Bookings Here

TUTORS CLASS LEADERS FOR RINGWOOD U3A

Ringwood U3A is looking for volunteer tutors and/or class leaders for their 2023 courses.

If you have a skill, interest or hobby which you are willing to share with others, Ringwood U3A offers a friendly and relaxed environment where you can make new friends and share your interests with the other U3A members.

Ringwood is a small and friendly group which operates out of 2 convenient and comfort locations in Ringwood which are well equipped to host classes.

Alternatively if you are looking to join our U3A we offer varied courses which cover exercise, craft, discussion groups, wine tasting/education, games, languages and more.

To learn more, look at our website u3aringwood.org.au, email info@u3aringwood.org.au or ring 0481 591 224.

Do

Boronia View Club will be meeting on Friday 16 June at 11.30am at Eastwood Golf Club, Liverpool Rd., kilsyth with a 2 course lunch costing $27 followed by Jim Poulter speaking about History of First Nations Peoples "their songlines and travel. There will be a bookstall, trading table and raffle with all monies going to The Smith Family Learning For Life Program to help needy Australian children with their educational requirements. The club is looking for new members so all ladies of all ages and backgrounds come along and you will be warmly welcomed. There is also oportunity for outings around and about and film mornings, book club, coffee mornings etc.

Enquiries to Judith on 9764-8602

Boronia View Club

Have you ever thought about becoming a foster carer?

VACCA are seeking carers from all walks of life to care for Aboriginal children from the ages of 0 to 18. VACCA offers Emergency, Respite, Short and Long Term Care.

Reach out today for more information using the link www.vacca.org/page/get-involved/foster-care

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

RETIREMENT & AGED CARE

Protecting the Elderly: Combating Abuse and the Issue of Overcharging by Financial Planners

By Warren Strybosch

As our society ages, the well-being and protection of our elderly population become paramount. Unfortunately, one of the distressing issues that arise is elderly abuse, which takes various forms and can occur in different settings.

Types of Elder Abuse:

• Physical Abuse.

• Sexual Abuse.

• Emotional or Psychological Abuse.

• Neglect.

• Abandonment.

• Financial or Material Exploitation.

• Self-neglect.

(Source: https://ncea.acl.gov./)

Among the concerning factors related to elderly care, financial exploitation stands out as a significant problem. In this article, we will explore the topic of elder abuse, shedding light on the detrimental impact of financial exploitation and the issue of financial planners charging exorbitant fees for their services.

Understanding Elder Abuse

Elder abuse encompasses any intentional or negligent act that causes harm or distress to older individuals. This mistreatment can occur in homes, care facilities, or even in community settings.

The forms of elder abuse include

physical, emotional, sexual, and financial abuse, as well as neglect and abandonment.

Financial Exploitation: A Disturbing Reality

Financial abuse is a particularly insidious form of elder abuse that poses severe consequences for older adults. It involves the unauthorized or improper use of an elderly person's financial resources for personal gain. Sadly, this form of exploitation can be carried out by various individuals, including caregivers, family members, friends, and, regrettably, even professionals such as accountants and financial planners.

The Role of Financial Planners

Financial planners play a crucial role in assisting individuals, including older adults, in managing their finances and planning for their future. While most financial planners uphold high ethical standards, there have been instances where some have taken advantage of vulnerable elderly clients. One issue that has garnered attention is the concern over financial planners charging excessive fees for their services, which can significantly impact the financial well-being of older individuals.

The Impact of Overcharging

When financial planners charge exorbitant fees, older adults may find their hard-earned savings rapidly depleting, undermining their financial security. This not only compromises

their ability to cover essential expenses but also puts them at risk of financial instability, leaving them susceptible to further exploitation. The consequences of such overcharging extend beyond mere financial strain, as it can also lead to emotional distress and a loss of trust in financial institutions and professionals.

This loss of trust and stress was evident with a new client who came to see us. Mary (not her real name) was concerned about the fees being charged by her current financial planner. After reviewing the advice Mary was provided, which was sub-standard at best and arguably not in her best interest, we then reviewed the fees being charged. Mary was being charged over $9,000 per year for these services, and this was on top of the $11,000 in fees she was paying to her super/pension funds. We felt this amount was unreasonable and did not represent value for money. It was also likely to be in breach of the Code of Ethics that all financial planners must adhere too. All up, Mary was paying over $20,000 in fees per year.

Ideally, all financial planners should be charging fees that represent fair value to the client. In Mary’s situation, our advice fee would be no more than $9,000 per year including the fees for her super/ pension funds.

It should be noted that a fee of $9,000 per year isn’t always too high. The fee should be fair and reasonable for the services being provided. Providing unnecessary services can also be a type of financial abuse. We felt the fees charged by

RETIREMENT & AGED CARE JUNE 2023

Mary’s current financial planner were inappropriate for the advice and services being provided to her. It is important to do your due diligence to make sure the fees being charged are appropriate and relevant to your needs and circumstances.

Addressing the Issue

To protect vulnerable elderly individuals and address the issue of overcharging by financial planners, a multi-faceted approach is necessary. Here are some steps that can be taken:

1. Enchanced Regulation and Oversight: Goverments and regulatory bodies should establish robust frameworks to monitor financial planners' practices, ensuring transparency, and preventing abusive practices such as excessice fees. This has taken place with increased education requirements, the introduction of the Code of Ethics, and greater awareness of the external dispute resolution schemes that exists, the Australian Financial Complaints Authority - (AFCA).

2. Education and Awareness: Raising awareness among older adults and their families about the importance of financial literacy can them to make informed decisions and identify potential signs of exploitation.

3. Professsional Ethical Standards: Financial Planning organisations should reinforce ethical standards and hold their members accountable for providing fair and reasonable services specifically targeting the needs of older clients.

4. Collaboration and Support: Collaboration between financial planners, elder advocy organization, and community services can help develop resources, support network, and specialized training to ensure the protection of elderly clients.

Elder abuse, including financial exploitation, is a distressing reality that demands our attention. While financial planners play a vital role in assisting older adults, it is crucial to address the issue of overcharging, which can exacerbate the vulnerability of this demographic. By implementing stronger regulations, increasing awareness, and fostering collaboration, we can create a safer environment for our elderly population, ensuring that they receive the necessary support and protection they deserve.

Remember, if you suspect any form of abuse or financial exploitation of an elderly individual, it is essential to report it to the appropriate authorities promptly.

If you are not sure if the fees being charged are fair and reasonable, then speak to another financial planner,

who can provide feedback to you, or raise your concerns with your financial adviser. Together, we can work towards safeguarding the rights and well-being of our elderly population.

Warren Strybosch

Award winning Financial Adviser and Accountant

Part of the Find Group of Companies

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

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth. Find Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group https://www.centrepointalliance.com.au/

Warren Strybosch is Authorised representative (No. 468091) of Alliance Wealth Pty Ltd.

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-todate information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

HELPING TO PROTECT YOU AND YOUR FAMILY

Osteopathy in Australia is a government registered, allied health profession. Osteopaths focus on improving the function of the neuro-musculoskeletal system (bones, muscles, nerves and connective tissues) to optimise health and well-being.

Joanna is highly qualified and experienced in the osteopathic assessment and treatment of babies and infants.

She can assist with the following assessments:

• Gross motor development (milestones)

• Primitive reflexes

• Tongue function and it’s relation to sucking skills

• Biomechanics of the jaw and mouth

LACTATION CONSULTING

IBCLC lactation consultants are recognised around the world as the experts in lactation care. They provide evidencebased knowledge to assist mothers to establish and maintain breastfeeding. As professionals, they are charged with promoting, protecting and supporting breastfeeding.

Joanna can help with a broad range of lactation consulting services, including:

• Teaching a new mum how to hold and position her baby to breastfeed

• Assess the suck, swallow and breathing of an infant

• Assess for tongue function and determine any evidence of restriction (tongue tie)

• Pre and post-frenectomy breastfeeding support

• Help increase or decrease milk supply

NORWOOD FOOTBALL CLUB

annual Golf day

Make sure you've applied for leave with all and sundry for the Norwood Golf Day. Friday 20th October. More information will be available soon.

Thank you to sponsors of the day including Lilydale Instant Lawn and Concrete Sales

Want something to do on your Friday night? Get down to the nest to cheer on our U12's playing off for a spot in the Grand Final.

From the previous encounters it is sure to be a thriller of a game! There will also be great U12 banter heard

Geoff Boyd Life Membership

Last Thursday(13th) at the season launch we were privileged to witness Geoff Boyd being awarded the 38th Norwood Football Club Life Membership.

Premiership captain and coach Boydy is the embodiment of determination and team work. A worthy recipient and fantastic person.

Congratulations Geoff.

Geoff 'Rags' Lisle and son Tom Boyd spoke to Boydy's achievements at the club in what was a surprise presentation tonight. Below are some photos and a video of the presentation.

Around the courts - Netball update

Another huge night of netball on Friday with a clean sweep of W’s across our 3 teams!

Black kicked it off with a tough battle but fought hard to finish with a 3 point win over Chirnside Park!

Best players: Madi Woods, Nicole Anastasio

Purple had a huge night with everything they have been working on coming together! They finished with a 26 point win over Heathmont!

Best players: Natalie Johnson, Emma Seymour

And then to finish off the night Gold came out, took control and got a 17 point win over Nunawading!

Best players: Madi Werkmuller, Sam Olsen

Grading games have now been completed, there haven’t been changes to the divisions! Purple are 5th on the ladder, black are 3rd and gold are 3rd as well.

Well done ladies!

Watch Geoff Boyd's Life Membership presentation on Youtube.

Do you have an upcoming events?

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

SEND US YOUR NEWS!

Simply upload your ad at www.findmaroondah.com.au/nfp-free-advertising or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.

Croydon Hills Baptist Church

Pastoral Team

Senior pastor - Andrew Harris

Karen Pastor - Moo Hei

NextGen Pastor - Matt Moran

Worship Pastor - Leah McCormack

Transform Pastor - Ben Dickson

Community Engagement - Gitta Clayton

Children's Co-Ordinator - Meagan Dickson

Youth Co-Ordinator - Mat Weller

Services

• English Sunday 10am

• Karen Sunday 1pm

• English Sunday 6pm

6 Bemboka Rd, Croydon Hills VIC 3136, Australia

+61 39876 4503 | 0405 507 118

Hope City Church

About us

Hope City is a community partnering with Jesus to see His Church grow and to see people encounter God’s presence and be transformed by His Spirit and Word. We look to empower every believer in God’s purpose for their life so that the 7 Mountains of society will be impacted by God’s kingdom. We see a Church where every person experiences the goodness of God in their lives through energetic praise and intimate worship.

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

Religious Groups and Churches

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

Ringwood Church of Christ

Services

10 AM Sundays – main worship service

Also streaming on Facebook Live

13 Bedford Rd, Ringwood VIC 3134

+61 39870 8169

www.ringwoodchurch.org.au

Canterbury

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

+61 39720 7121

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another

Services:

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

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

0417679682

(03) 9876 2600

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

Gardens Community Church

MAROONDAH

Support your Local Not-For-Profit

Order your Find Card directly from us or via your participating organisation. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

FIND DINING FIND BREKKY, BRUNCH & LUNCH FIND TAKEAWAY FIND LOCAL COUPONS

FIND CARDS & FIND COUPONS POLICY

Any changes or updates to these 'Terms of Use' of the Find Cards and/or Find Coupons can be found here.

Non-Transfer

The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

The Find Coupons and its Offers are intended for the non-profits and other participating organiations 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 accept 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.

Valid Periods

Find Restaurant, Find Cafe & Find Brekky, Brunch and Lunch offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/ Coffee establishments will have additional terms and conditions on the page where the business is advertising their offer).

All cards will have a ‘Valid End’ date and cannot be used beyond this date. For instance, if the Valid End: 03/24, then the Find Card is NOT VALID from April 2024 onwards.

Present Find Card

You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Customer Name/Signature and Valid End Date

All Find Cards must display your name and/or signature and be within the ‘Valid End’ date to be deemed VALID. If your Find Cards does not display your signature and the correct ‘Valid End’ date, the business can refuse to provide the discount offer advertised. The business has the right to ask you to provide other Proof of Identity e.g., Drivers Licence, to match up your name/signature on your Find Card. If they do not match, then the business has the right to refuse the discount offer.

Registration of Find Cards

All Find Cards will have individual credit card numbers. All Find Card participants must provide their Name, Email Address and Post Code prior to using the Find Card. Registering your Find Card will enable the Find Team to email you offers directly. Some offers will only be available for one day so it is important to provide your details so you can be informed of these offers and not miss out.

Part

SAMPLE SAMPLE

NEW OFFERS COMING

NEW OFFERS COMING

NEW OFFERS COMING

Health & Beauty

Good things come to those who shop local.

Make a coupon offer and benefit from the Find Cards in order to increase exposure and traffic to your business. We are working to bring in revenue for Not-For-Profits through our Local Coupons.

UPLOAD YOUR OFFERS HERE: FIND ADVERTISING COUPONS editor@findmaroondah.com.au