Find Maroondah - March Edition 2022

Maroondah The

MARCH 2022

WHAT’S INSIDE: 04

LOCAL STORIES

06

COLUMNIST ARTICLES

30

TAX UPDATES

35

REAL ESTATE - RENTAL LISTINGS

47

MAROONDAH COUNCIL NEWS

67

FIND FAITH

71

FIND BIRTH, DEATHS, & MARRIAGES

72

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

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MARCH SPONSOR

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

NEHA NAYYAR

SIGNAGES

GLENN MARTIN

HERITAGE & HISTORY

KATHY ISMAIL

COMMERCIAL COFFEE MACHINE HIRE

IVANA SMITH

HEATHERDALE COMMUNITY ACTION GROUP

GENERAL INSURANCE

CRAIG ANDERSON

MORTGAGE BROKER

REECE DROSCHER

OCCUPATIONAL HEALTH & SAFETY

EDITOR | WRITER

SUSAN PIEROTTI

LACTATION CONSULTANT

JOANNA STRYBOSCH

NATURE & CONSERVATION

MARK FELTON

LIZ SANZARO

NATUROPATH

MARKETING CONSULTANT

?

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ELWYNNE KIFT

KATHRYN MESSENGER

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About the Find Maroondah

By Warren Strybosch

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

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

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

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

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

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

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

and rolling out over the coming years.

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

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

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

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

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

We value your support, The Find Maroondah Team.

Maroondah The

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

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

ALL THINGS MAROONDAH

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

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

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

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

Next Issue of the Find Maroondah will be published on Friday April 8, 2022. Advertising and Editorial copy closes Friday April 1, 2022.

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Housing Prices Drop For the past two years we have seen significant housing growth but now capital city values are starting to trend downwards, according to latest data.

Sydney has posted the first decline in housing values since September 2020.

Whilst the drop of 0.1 per cent is a modest decline, it is an indication of where the market is likely to head for both Sydney and Melbourne over the next 12 to 24 months.

CoreLogic’s national Home Value Index recorded a 0.6 per cent gain in February, the pace of growth had slowed since April 2021 and marked the lowest monthly reading since October 2020.

Stronger housing market conditions were recorded in Brisbane and Adelaide and Hobart, where housing values rose by more than 1.0 per cent in February.

Regional markets remain strong Whilst capital cities are starting to trend downwards, regional Australia continues to record a substantially higher rate of growth than the capital cities.

Over the past three months, housing values across the combined rest-of–state regions increased (up 5.7 per cent), compared to combined capitals that rose 1.8 per cent.

Although the rolling quarterly rate of value growth remains rapid across regional Australia, conditions have eased from its recent peak of 6.4 per cent over the December quarter and is down from a cyclical peak of 6.6 per cent recorded in April last year.

Suncorp Super mergers with QSuper and increases insurance premiums

By Warren Strybosch

Recently Suncorp Super merged with QSuper. Suncorp Super, in a statement to its members, informed them that their insurances held with Suncorp Super would be increasing from the 27th of February 2022.

Suncorp Super encouraged their members to speak to a financial advisor about the increase in insurance premiums.

If you are a previous member of Suncorp Super or QSuper, we would encourage you to make an appointment to speak to an advisor at Find Insurance or Find Wealth. You may be surprised to discover that there may be better insurance and super alternatives available to you.

If you wish to speak to an advisor at Find Insurance or Find Wealth, simply contact them on 1300 88 38 30 or email info@ findwealth.com.au or info@findinsurance.com.au and ask for a free appointment to discuss your insurance and/or super needs.

CoreLogic’s director of research, Tim Lawless, said demographic tailwinds, low inventory levels and ongoing demand for coastal or tree-change housing options are continuing to support strong upwards price pressures across regional housing markets.

MARCH 2022 | FIND MAROONDAH

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It’s that time of the month NATUROPATH

By Kathryn Messenger

With International Women’s Day on Tuesday 8th March, now is a good time to talk about periods. Having a positive mindset about your cycle can help reduce some of the negative emotions around it. Know that this can be a time to deal with emotions gathered over the last month and a chance to give yourself time for nurture and rest.

Whilst every woman’s cycle has it’s differences, a normal cycle is 28 days (give or take 7 days), last for 4-7 days (give or take 2 days), and loss should be 30ml-80ml (although this can be hard to measure). If your cycle is not within these parameters, or you experience the following, you should see your doctor: Cramping that lasts more than a few days, is a stabbing pain, pain with sex, or clots that are large or dark.

Pain Pain can be reduced with regular exercise and improved diet in the month prior to your cycle. Increasing vegetables, fruit, and protein whilst decreasing sugar and processed white grains can make a big difference. Try to eat a wide variety

Herbal medicine offers natural options for regulating hormones, reducing pain, and regulating the stress response. A naturopath can make a custom mix of herbs to best treat your unique symptoms. of vegetables not just the same few, and eat protein foods such as unprocessed meat, dairy, eggs, nuts, seeds, and legumes.

Ginger is an anti-inflammatory herb that also increases circulation to the pelvic organs and is used for period pain. A 2009 study found ginger to be as effective as ibuprofen in reducing period pain.1 Ginger can be consumed in stir fries, curries, or as a tea. You can boil fresh grated ginger in water, then strain and add lemon or honey to flavour. If you use a tea bag, leave the bag in the mug to make it nice and strong. Consume ginger regularly throughout the day and for a few days for best results.

Curb sugar cravings by going for something sour or bitter which can surprisingly switch off the craving. Try the juice of ½ a lemon or 1 teaspoon of apple cider vinegar in water, or a small handful of bitter lettuce.

1. https://www.liebertpub.com/doi/abs/10.1089/ acm.2008.0311 This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

Cravings Whilst your period may seem like the perfect excuse to sit down with a gourmet tub or chocolate ice-cream, dark chocolate is more likely to satisfy.

Ideally eat 85% cocoa (or more), but you can build up to this if you’re not used to it. If you crave salt, swap chips (crisps) for popcorn or healthy alternatives such as kale chips.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

MARCH 2022 | FIND MAROONDAH

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Typos, Spelling Mistakes and How to Avoid Them ACCREDITED EDITOR

By Susan Pierotti

Typos What's wrong with the following – ‘Hope and peace are crucial after these tiems of COVID lockdown.’

The message is a good one. It's short, to the point, easy to digest. Are you going to remember it – or will you remember the typo?

Just like these floor tiles – lovely sheen, nice colours. Sadly, all you might remember is the one tile that’s out of place that ruins the whole effect.

It’s as if, when you go for a stroll through beautiful bushland, with the wattles blooming, the magpies carolling and a sunny warmth tempered by a light refreshing breeze, all you are aware of is a tiny, irritating grain of dirt in the sole of your shoe. If you leave a typo in your writing, even just one eeny-weeny one, that is all some people will remember.

Don't let the odd typo or spelling error condemn your message. It pays to check everything you write before clicking ‘send’ or ‘post’. Try reading it aloud or reading it line by line backwards. It's amazing what you may be able to fix.

Common fixable spelling errors English is a difficult language, partly because so many words sound the same but mean different things. This can also lead to unconscious spelling errors.

Here are some common ones and their meanings that may help: • • • • • • •

This floor appears to have been tiled by a master tradesperson. But look again. It might take you a moment to notice the two tiny tiles in the middle that are slightly misaligned, but they’re there.

Try this experiment: close your eyes for twenty seconds, then open them and look at the tiled floor again. What is the first thing you see? I bet it’s the small tiles out of place!

affect (change) v. effect (result) it’s (it is) v. its (belongs to it) chose (did it in the past) v. choose (do it in the present) lose (misplace) v. loose (untie) principle (rule) v. principal (person or first thing) they’re (they are) v. their (belongs to them) v. there (place) stationary (not moving) v. stationery (paper, envelopes etc.)

The limits of spellcheckers ‘He have then, buy nor hum, a food tine’.

to fix. The Spellchecker tool on a computer picks up spelling mistakes and in the above sentence, there are no spelling ones. Every word is correctly spelt – yet it doesn’t still make sense.

The most common typos are caused by typing the key next to the one we want.

Yet, if that wrong key makes a correctly spelled word, a spellchecker won’t be able to fix that. By replacing only one letter in most of the words in the above sentence with an adjacent one (He have then, buy nor hum, a food tine), we get – She gave them, but not him, a good time.

Artificial intelligence and computers are limited. They can’t ‘think’ like humans and they don’t use language as we do. Ask yourself this question: would you rely on your Spellchecker function again when you could employ a human to sort out your typos?

Spellcheckers are a useful shortcut but a human will be able to adjust your text to suit required spelling styles (Australian English, American English, government requirements etc.). They can tweak the grammar, tidy up formatting and make you look professional, leaving you time for all those creative ideas. And as a bonus, a human will understand the sense and emotion that you want to convey. A computer can’t do all that!

If you would like assistance with writing, editing and proofreading, contact me at susan@creativetext.com.au.

This sentence doesn’t make sense, does it? Yet, apart from a few spelling errors, it is a dinky-die, accurate sentence.

You see, I relied on my computer’s Spellchecker function to correct the mistakes. And the reason it didn’t correct anything was because it found nothing

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

MARCH 2022 | FIND MAROONDAH

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How To Fix Pollution, One Bite At A Time NATURE & CONSERVATION

Image courtesy of change.org

By Liz Sanzaro

At equivalent cost, the advantages of the products "grown" by Ecovative compared to synthetic hydrocarbonderived materials are significant. Where, for example, the production of a cubic meter of polystyrene consumes the equivalent of 1.5 liters of oil, Myco Foam requires very little energy.

In a circular economy where does polystyrene fit? In the environment it is a disaster, so how can this material become something in a circular economy? It can’t! Innovation, is required.

So what have the worlds creative minds been doing to eliminate polystyrene?

Tons of polystyrene clogs landfills and pollutes the oceans taking hundreds of years to degrade, but Myco Foam returns to earth in the form of a nutrient once it has completed its life cycle. 100% natural, it is 100% biodegradable and breaks down in just a few weeks!

In 2006 two students Gavin McIntyre and Eben Bayer, from the Rensselaer Polytechnic Institute (State of New York, USA), had the idea of creating a new material from agricultural waste and mycelium.

The mycelium is the vegetative part of the mushroom, consisting of branched filaments called hyphae – which help decompose the dead organic matter on which they feed. McIntyre and Bayer wanted to use this organism to grow a material with the same properties as plastic.

After graduating, they decided to focus on developing their idea and founded their company in 2007. Ecovative launched itself in the packaging industry by presenting its product as an environmentally friendly alternative to polystyrene - the compact white foam used to pack the breakable items, such as electronic devices or furniture. Dell was one of the first manufacturers to use this type of packaging for its computers.

Ikea, the Swedish furniture company have made a commitment to replace styrofoam with mycofoam going forward.

The mushroom-based plastic, called Myco Foam, creation process is as follows:

Image courtesy Reddit

A collection of agricultural waste such as straw, corn husks or lentil pods from local producers, is collected. The waste is sterilized and introduced into the mycelium ( the white fibrous growth in the photo above ) and the mixture is placed in shaping moulds in the dark. For five days, the mycelium grows, feeding on the agricultural waste.

It forms a network of tiny white fibres entangled in and around the substrate, filling all the available space and forming a solid structure. The resulting material is removed from the mould and fully dried to kill any further growth.

"Mycelium is an amazing material, because it's a self-assembling material. It actually takes things we would consider waste[…] and can transform them into a chitinous ( nitrogen containing polysaccharide) polymer, which you can form into almost any shape,” explained one of the co-founders of Ecovative.

Image courtesy Future learn

Innovation and creative minds at work will certainly help turn the tide of pollutants including some materials that are really dangerous to our world.

The information here is sourced from #livingcircular powered by Veolia

Liz Sanzaro President of Croydon Conservation Society liz@sanzaro.com president@croydonconservation.org.au www.croydonconservation.org.au MARCH 2022 | FIND MAROONDAH

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Are you a Financial Planner looking for more clients?

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

List in our Find Aged Care Accommodation Website.

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

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

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

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

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

MARCH 2022 | FIND MAROONDAH

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COMMERCIAL COFFEE MACHINE

By Ivana Smith

Coffee is such a versatile substance.

There are so many interesting flavours of beans from around the world that can be enjoyed in an almost endless variety of ways. (Think, cappuccino, tiramisu, ice cream...!) And as the gift that keeps on giving, after you’ve enjoyed your brew, the coffee grounds can be recycled as beauty products and in your garden.

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Five Fun Craft Ideas Using Coffee

But there’s even more great things you can do with coffee. If you believe in recycling and love making crafts, here are five fun ways to use those useful coffee beans and grounds.

1 Aromatherapy Merely smelling the alluring aroma of coffee is enough to put many a good mood. So you will be delighted to know that it is so easy to use as aromatherapy in your home.

Just fill a bowl with coffee beans and place tea lights on the top. The heat of the candles will gently heat the beans, filling your room with the fragrant aroma.

And if you like making candles, coffee is a wonderful ingredient to add. All you need to do is melt 1 cup of candles remains in a metal or glass bowl on top of a saucepan filled halfway with water.

Clean a paper coffee cup, making sure it’s dry. Position a candle wick in the cup and sprinkle 1 tablespoon of coffee grounds on the base. Add half the melted wax and let it harden for 20 minutes. Add another layer of coffee and wax. After 1 hour, cut away the coffee cup and there you have it – a candles that smells more natural one made with fragrant oils and one that look strikingly attractive.

2 Pincushion filler Speaking of craft, if you’re right into sewing, you know you can never have too many pincushions! So make yourself a new one – with coffee grounds as the stuffing. It will not only make your sewing box and the items in it smell fabulous, it will prevent your pins from rusting!

3 Paper and fabric dyes Add a bit of chic to paper crafts by using papers dyed with coffee. Make a soupy mix of coffee and water. Then dip paper, cloth and other stationery materials into the mix and leave them to sit for a few minutes. Dry thoroughly –

in summer on newspaper on a covered table; in winter on newspaper balanced on the slats of a clothes rack over a ducted heating vent. When dry, brush off the grounds and voilà – a dusky brown paper that becomes your signature papercraft item.

You can do the same for fabric when you are making clothes – a shirt, for instance.

However, as coffee is a natural product, it will wash out or fade over time.

4 Painting If you can use coffee as a dye, does it work as a paint? You bet!

As with the dye, you mix coffee and water to make coffee paint. The intensity of the shade you want will depend on how much water you add to the coffee.

Dark chocolate tones need little water; cappuccino tints need lots of water. You can create an extensive palette at your disposal to decorate items around your home, use in artwork and keep the kids entertained on rainy days. The beauty of coffee paint is that it is non-toxic and simple and quick to make. You also have no paint cans to get rid of, or brushes to clean afterwards. It's also the cheapest paint around!

5 Playdough For more coffee fun with the kids, make some coffee playdough. Heat glycerin drops (or shave a small amount of glycerin soap base) in a saucepan until heated, then let it cool. Mix 2 cups of flour, 2 tablespoons of cream of tartar, 1 cup of salt, 1 tablespoon of coffee and ½ cup of coffee grounds together. Add 1 cup of very hot water, 2 tablespoons of oil and the glycerin. Mix until the consistency is pasty. Yes, it now looks like mud, but it’s ideal territory for toy dinosaurs...

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

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

MARCH 2022 | FIND MAROONDAH

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Top 10 Safety Management Documents OCCUPATIONAL HEALTH & SAFETY

4.

Similar to Risk Assessments, excepting that they focus on the specific risks associated with a specific job. JSAs help employers create safe work procedures and ensure that all employees are aware of the risks involved in their job.

By Mark Felton

There are numerous health and safety documents that companies use to protect their employees. Arguably, the most common of these for high-risk construction work is Safe Work Method Statements; however, many other tools are also commonly used.

Below are listed 10 common Occupational Health and Safety documents that organisations use – no matter what industry you work in.

1.

Safe Work (SWMS)

Method

2.

7.

Worker/Contractor Handbooks Usually provided with sitespecific induction before the commencement of any work. A safety handbook can help workers and contractors understand the hazards, risks, permits, controls and safety rules that apply to a site.

8.

Safety Management Manuals A systematic approach to managing health and safety, including organisational structures, accountabilities, policies and procedures. For those serious about safety, a complete safety management system can provide a structured management approach to control safety risks.

Policies and Procedures An essential part of any management system. They establish boundaries, guidelines, and best practices for acceptable behaviour. At the same time, procedures can define a sequence of steps to be consistently followed.

Risk Assessment Forms A document that evaluates the risks associated with a particular task or activity. It helps identify any potential hazards and determines the level of risk that each hazard poses.

3.

5.

Statement

A document specifically designed to meet regulations and ensure correct procedures are followed during high-risk construction work activities.

Job Safety Analysis (JSA)

10. Risk Registers A tool for documenting risks, and actions to manage each identified risk. The Risk Register allows all risks to be clearly identified in a central location with the associated actions that have been or are to be taken to mitigate the risk.

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

Site-Specific Management Plans Clearly define responsibilities, timelines, and milestones for your site. This can include high-risk activities such as working with asbestos, confined spaces or chemicals or developing a COVID-19 Management plan for your business.

9.

a consistently safe manner, usually with clearly defined steps for a particular task or process.

Safe Operating Procedures (SOP) Allow workers to perform their job in

Mark Felton Occupational Health & Safety BEAUMONT ADVISORY 0411951372 www.thebeaumontgroup.com.au

MARCH 2022 | FIND MAROONDAH

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Roads, Rates and Rubbish

By Cynthia Watson

We often hear the phrase ‘roads, rates and rubbish’ as a criticism of Local Government spending. Some critics believe that Local Government should not exist at all! To understand the phrase ‘roads, rates and rubbish’, we need to look back at our history.

two. A solution to this horrific problem, was championed by women such as Cr. Mary Rogers who was elected in 1920 to the City of Richmond. Mary campaigned for Maternal and Child Services to be established to help reduce these high infant mortality rates.

From the beginning of Local Government in Victoria, there has been a power struggle between state and local government over service provision responsibilities. The political shifting of responsibilities between the two tiers of Government sometimes resulted in public policy failure. One such event was the failure of the state government to build an integrated sewerage network.

Local councils did not have the money to build a centralised network and came up with localised solutions that ultimately failed. The lack of sanitation for residents resulted in a catastrophically high infant mortality rate with one in four children living in Melbourne’s inner suburbs dying before the age of

Maroondah has a proud history of women in Local Government. Cr. Elizabeth Penny was the first woman elected to serve as Mayor for the City of Ringwood 1961. Cr. Penny had a distinguished history of community leadership and was described by her fellow councillors as serving with dignity, decorum and thoroughness, and did not spare herself in service to the community.

The historic contribution of women to civic service is the story of how women took action and responded to community needs. For the past one hundred years women have significantly shaped service delivery in Local Government.

The change of service provision from

property services to include social services, was led by women. Local communities now enjoy services such as maternal and child health care, libraries, kindergartens, immunisation, and aged care.

Modern Local Government is now roads, rates and rubbish plus many more services that improve the health and wellbeing of our community due to the advocacy of women who have served in local government.

www.aquinas.vic.edu.ph MARCH 2022 | FIND MAROONDAH

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3 Easy Ways to Save Your Business Money in 2022 BOOKKEEPER

By Neha Nayyar

Everyone likes to save money right? As busy business owners, we can become far too complacent with our expenses, with the old "it is what it is" justifying our lack of proactiveness. But, I am here to tell you, that there are easy ways to save, and ways you may not have even thought about. Whether it saves you in your business or saves you personally, a bit of time here and there can have you making savings which you can then use to invest in your business.

Get a better deal Seems obvious, right? Or perhaps you think you have the best deal? If you haven’t done so in the last few months, it can absolutely pay to shop around for better deals. For big businesses, it is a lot cheaper overall for them to retain you as a customer than to attract new customers so they may offer incentives or discounts to keep you. Before calling, look up their offers online for new customers, look up their competitors offers and make notes.

•

Utilities The government provide free comparison tools for gas & electricity which make a great starting point.

•

Business Insurances Consider using an insurance broker to find out if they can get you a better deal.

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Home & Contents Insurance Another one where a quick look around other provides could save you money.

•

Rent Ensure you are paying an appropriate amount in the current market.

•

Health Insurance This is more of a personal expense but well worth a phone call to check exactly what you are covered for,

review if your cover is appropriate and check what other offers are around. The health insurance industry is becoming a lot more streamlined to help you compare apples with apples, and it is very easy to switch funds and take your history with you.

•

Mobile/ Phone/ Internet Provider Changing mobile phone providers is a lot easier these days, often with same day porting of your number.

If you are on a plan but already own a phone outright, consider a prepaid option, they are usually a lot cheaper.

•

Loans Check your interest rate, see if they can do any better. Consider chatting to a trusted broker or find out if your loan provider will offer you a discount for paying out loans almost at their end.

•

Superannuation Ensure your super fund is doing what you want it to and check that your insurances are relevant. Review the fees you are being charged to make sure they are reasonable and correct.

they have a sound understanding of your business. This relationship means they will be able to suggest ways specific to your business to grow and save.

Automate Where you can, consider automation. So many houses now have 'Alexa' or a robot vacuum to automate their tasks. Why not take this into your business life also. By sending automated invoices connected to an accounting software, statistics show that it will be paid quicker without the person power required for chasing up payments. Automatic reminders can be sent, and extra payment options such as credit card can be added so clients can pay with the click of a button. Payroll can also be easily automated, which is a huge timesaver- and time is money!

At Sum and Substance we understand the importance and need for saving time and money whilst ensuring you are getting value for your business.

Please contact us if you would like more information about our bookkeeping or automation services. We can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Outsource Consider outsourcing some of your tasks to save you time and money. Marketing, accounting, HR… the list goes on. By having a professional take over some of these tasks, not only does that take the mental load off you, you can also rest assured that everything is in perfect order. By outsourcing, the professional is an expert in their field and a good contractor relationship will also mean

Neha Nayyar www.sumsubstance.com.au 0401 409 573

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Holeproof and Staley Gardens HERITAGE & HISTORY

By Russ Haines OAM

With the advent of the Costco store in Ringwood, between Bond and Seymour Streets, comes another turning of a chapter of Ringwood’s history.

The development required the use of the Staley Gardens area, unfortunately making quite a mess with the plaques missing and the rotunda destroyed. Like most parts of Ringwood’s history, the story started well before it arrived at the city.

Thomas Staley, son of Thomas Snr, went to Ayrshire on the west coast of Scotland in the 1780s, located just below Glasgow. He was a miner and no doubt he worked on the lead mines around Leadhills, where he married his wife, Mary. Despite being a small village, the Leadhills Miners' Library, founded in 1741 houses an extensive antiquarian book collection, local relics, mining records and minerals. The library is the oldest subscription library in Britain and is of significant historical and geological importance.

Thomas and Mary later moved to Muirkirk, about 20kms away. As the name implies, the village formed around the church and was a source of iron and coal, again probably occupying Thomas’ time. They had five children, Margaret, Anne, Fortune, Jonathan and (another) Thomas. The three girls remained in the area. Young Thomas went to Orange Valley Estate in Jamaica,

the area associated sugar plantations, but died at the young age of 21.

Jonathan married Mary Goldie in 1820 and had twelve children. It was this family that migrated to Victoria in 1853 on the ship Reaper to seek fortune on the goldfields. Thus establishing the Staley clan in Australia.

One of the sons was David Gray Staley, later became a storekeeper at Yandoit, which is half way between Castlemaine and Daylesford. One of his six children was David John, born in 1865 in Yandoit and died in 1912 in Malvern, whose son was Andrew Gray Staley, born in 1890 in Wilby and died in 1981 in Toorak.

Andrew Gray Staley started in the hosiery business with George Foletta in the company "Prestige"in 1920, leaving it in 1924 to form a rival hosiery firm, "Staley and Staley Ltd." with his uncle Dan Staley in new premises in Dods St Brunswick. This company grew from 10 employees in 1925 to over 300 by 1929, and over 1200 by 1932. Both Foletta and Staley were welfare-capitalists, with canteens, social activities and clubs for their employees.

There was even company-organized community singing in Brunswick Town Hall during the Depression.

"A flamboyant super salesman," in 1929, with the financial help of his equally flamboyant Uncle Dan ( youngest son of David Gray), he established "Holeproof (Australia)," which soon became a market leader with innovative strategies such as individually packaged and named nylon stockings, and eventually

a large range of other garments, including business shirts, casual wear and pyjamas.

The small open area in central Ringwood (see map on page 1), later to become Staley Gardens, was at the back of a Holeproof hosiery factory, established there on Maroondah Highway in 1942. In 1968 Holeproof was bought by Dunlop, which later became Pacific Dunlop and subsequently, Pacific Brands – the current parent company.

Eastern suburbs Holeproof factories were also established in Deepdene, Nunawading and Box Hill. The area of the current gardens was given to the Ringwood Council in 1969 by Staley, and is well-remembered by many as a popular location for touring circuses.

Staley Gardens is a passive recreation area, a grassed oasis with some trees and paths, and surrounded by streets, shops and carparks. Major developments of landscaping, paving and the erection of covered shelters were carried out in 1982, financed jointly by the Ringwood Market, Myer, and the Ringwood Council. Controversial Council plans, in 2005, allowed part of it to be used as a skateboard park. In 2013, considerable development was in the area, with the Costco store.

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

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Dealing in Crypto? ASIC asks you to get financial planning advice.

By Warren Strybosch

Crypto, like any investment can rise and fall. In the last few months, we have seen crypto currencies fall between 40% to 90% and with a current unstable world economy, it does not look like we will see a rebound in this sector anytime soon.

The most common crypto currency is Bitcoin. At its height in November 2021, it was worth close to $94,000 AUD, and currently it is worth $53,000.

Even before the fall in crypto pricing, ASIC was concerned with the number of people investing in crypto. People had it in their mind that crypto would just continue to rise in price without ever falling. They, those who wanted to invest, were concerned they were missing the boat on such a lucrative opportunity.

However, like with all investments that are driven mainly by fear in greed, crypto has proven to be no different to other investments we have seen in the past.

It will have its amazing ups and downs and trying to ‘guess’ or ‘time’ the market can have devastating consequences for many investors whilst only a few people end up walking away as the winners.

I have heard stories of investors jumping in at the high, watching crypto drop 1015%, leverage up their investment (in otherwards borrow against their current investments), to only see the bottom drop out of crypto after they have borrowed the funds. This has resulted in a margin call whereby they have had to sell down their now worthless investments to cover the borrowings because the lender was concerned, they might not have the ability to pay back the loan. This has resulted in them walking away with a few thousand dollars from the nearly $50,000 they had originally invested. Does this sound familiar? This is what happened with the GFC where investors had margin loans against their investments. Of those who had margin loans during the GFC, approximately 90% of investors had margin calls and were required to either sell down their investments or come up with additional funds to pay back the loan. Time simply repeats itself and the same lessons are being learned, albeit by the next generation.

The biggest issue with crypto investing is income – it simply does not produce any. With all good investments you

should seek growth and income and not simply growth. Yes, you can stake some coins, and this can alleviate some of the issues around price drops, but given there is no income, you are subject to everyone else’s fear and greed driving pricing. This lack of income makes you heavily reliant or hopeful on growth and when it does not occur can cause all kinds of problems as the example above demonstrates. If you do happen to time it right and get some growth, you then must decide when to sell. Once you have sold you are out of the market.

“Setting up an SMSF is one of the most significant decisions you can make relating to your retirement savings,” ASIC said.

With the lack of income that crypto provides e.g., none at all, it is not the most ideal investment to place your money into. Crypto should only be used by those investors who a) don’t need their money, and b) have all the time in the world to watch the price go down. It is not for any investor who needs to rely on those funds to derive an income or may need to repay back the capital in the near future.

“As the trustee of your SMSF, you ultimately bear responsibility for the fund’s decisions and for complying with the law even if you rely on other people’s advice – licensed or otherwise.”

ASIC is so concerned about crypto and the increased market activity whereby schemers are recommending you switch from retail and industry funds to SMSFs to invest in crypto, that they have requested everyone seek financial planning advice from a licensed financial planner before making such decisions. ASIC said that individuals should not rely on social media ads or online contact promoting an “investment opportunity” or “high return” portfolio.

In summary, crypto is an investment that will go and down in value, does not produce income, and should only be considered as an asset class for those investors who have the time and resources behind them to see them through a bearish market, and importantly, to seek advice, from a licensed financial planner, before making any decisions about what to invest in, that includes crypto.

In particular, individuals should be wary of cold calling, text messaging and emails that recommend transferring super to an SMSF or investing in crypto assets via their SMSF. “Australians who decide to self-manage their super should consider the risks before using their SMSF to invest in crypto-assets,” ASIC noted.

The regulator pointed to its own website, Moneysmart and the ATO website as providing resources for information about scams, crypto investments and SMSFs.

MARCH 2022 | FIND MAROONDAH

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Heating Your Home The Sustainable Way ARCHITECT

By Kathy Ismail

The good news is that you can warm your home in ways that are not only cheaper than using fossil fuels but are environmentally sustainable!

Passive heating Passive heating directs the heat from the sun to your house. It is best applied when designing a new home or extension, but it is possible to achieve when buying an established or off-the-plan house and can be applied to all Australian construction systems.

Passive heating has five elements: 1 Letting the sun in Heating happens when the sun’s shortwave radiation passes through glass and is re-radiated as longwave radiation, where it is absorbed by building elements and furnishings.

Longwave radiation cannot pass back through glass as easily as shortwave radiation, so the temperature inside the room warms up. The process is affected by window orientation, shading, frames and glazing types.

Large windows can induce solar gain, but in winter they can lose up to nineteen hours of heat at night. Choose windows with low conductivity or U value (for example, double glazing) and high solar heat gain coefficients (SHGC). Window frames also conduct heat. Timber, PVC and thermally separated metal window frames will prevent heat transfer. Fixed horizontal shading, such as eaves, blocks summer sun but lets it in in winter.

2 Storing heat High thermal mass (the ability of a material to store heat) stores heat from the sun inside the home during the day (through brick walls, for example) and releases it at night.

Thermal lag (the amount of time taken to absorb and release heat) is influenced by the building material’s temperature ranges; its conductivity, thickness and surface area; its colour, surface and texture of the materials (for example, dark, matt or textured surfaces absorb and re-radiate more energy than light, smooth, reflective surfaces); and its exposure to air movement. The thermal lag time on a concrete house is around

6.2 hours whereas a rammed earth house of the same thickness is 10.3.

Good thermal mass storage includes masonry walls, water-filled containers and insulated or internal suspended slabs that are not earth-coupled.

3 Heat distribution Thermal mass heat is released through building materials, good air flow and convection design. Floor plans play a large part; the most important rooms (those most used through the day and evening) should face north. Up to 10 degrees north-west and 20 degrees north-east will still provide good passive solar access.

If your sunlight is blocked by nearby buildings or your home is on a poorly orientated or narrow block with limited sunlight, there are alternative passive solutions to increase comfort and reduce your heating bills. Try roof-mounted solar panels as a possible solution.

4 Preventing heat loss Walls, floors, ceilings, windows and especially roofs lose heat at night as your home cools down. Design a compact building shape that minimises roof and external wall area for greater efficiency.

Locate thermal mass walls between northern areas and southern areas to draw daytime solar gains into sleeping areas at night. Heat loss is further minimised with appropriate choice of windows and curtains or blinds, and well-insulated walls, ceilings and floors.

Ensure the mass is far from cold draught sources (for example, entrances).

Ceiling fans circulate warm air evenly in rooms and push it down from the ceiling to living areas.

5 Preventing cold air entering Air leakage accounts for up to a quarter of winter heat loss in buildings. Reduce this by installing high quality windows and doors with airtight seals, tight-fitting floorboards and insulating the underside of timber floors and draught-proofing strips between the door and frame.

Make sure any downlights don’t penetrate ceiling insulation and that skylights are not permanently ventilated.

Block off unused chimneys and flues, seal all air (vents except windows and doors) and gaps between the window and door frames and the wall before fitting architraves in new homes and extensions.

Install airlocks (small, closed areas at the entrance to a home) that limit cold air coming from outside and warm air escaping. Always design doors to blow closed if left open and use spring closers on external doors.

Passive heating maximises winter heat gain, minimises winter heat loss, and concentrates heating where it is most needed.

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

ARCHITECTURE 0422 026 962 | www.kirarchitecture.com

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Significant material costs lead to dwelling build approvals collapsing in 2022

By Warren Strybosch

With the collapse of housing construction companies like Probuild and building materials doubling in price, it is no wonder dwelling building approvals have collapsed over the last 12 months.

The number of approved residential construction in Australia has plummeted, hitting its lowest figure in almost 18 months and the first decline since October last year.

We have even heard of large home building businesses offering future homeowners up to $50,000 to break their home building contracts given the significant increases in material costs. It is apparently cheaper for them to pay a large break cost than to go ahead and build the new home.

One builder stated that building materials like wood had only increased by 10 cents per metre but over the last 12 months, the price of wood has literally doubled. They stated that they would have to bear the cost of the increase if any building contracts were signed given it is illegal to pass on the increase to the

consumer once a contract has already been signed.

According to the Australian Bureau of Statistics’ data on building approvals in Australia, there were a total of 12,916 total dwellings approved over the month of January, falling 27.9 per cent comparative to December and over 24 per cent compared to the same period last year.

This fall was observed almost across every state, with the decline being felt most distinctively in Victoria (-35.5 per cent), South Australia (-29.2 per cent) and NSW (-25.9 per cent).

The only state that reported monthly growth was Queensland, which saw a marginal increase of 0.5 per cent.

Driving this distinct loss in new dwellings, which is the lowest since June 2020 (12,724), was a dearth of apartments, town houses, and units, which fell 43.6 per cent month-to-month, hitting 4,007.

The same category of dwelling was said to be behind the uptick of approvals reported in December.

However, housing approvals were also reported by the ABS as suffering a sudden fall, hitting 8,712 over January and marking a monthly reduction of 17.5 per cent.

This again was observed across the country, with every state reporting a diminished approval figure, with NSW reporting the smallest decline (-14 per cent) and South Australia the largest (-19.9 per cent).

Compared to January 2021, this new figure for private houses reflects a downturn of 29 per cent.

It is likely, given the large increase in building material costs, that many people will hold off building their new home or an extension, and we are likely to see further declines in new dwellings being built during 2022.

Learn more

Welcome to Miller's Homestead!

Knox City Council and Your Library are reopening the historic Miller's Homestead (circa 1888) in Boronia for our communities to enjoy.

Miller's Homestead officially opens on Monday, 7 March 2022 from 9:30am to 12pm and 1pm to 5pm, Monday - Friday.

MARCH 2022 | FIND MAROONDAH

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WHY ARE FIXED RATES INCREASING?

Photo by Monstera from Pexels

MORTGAGE BROKERING

By Reece Droscher

Over the last 2 years interest rates have been at their lowest level in our country’s history. Since the start of the pandemic in 2020 until September last year, fixed rates of less than 2% were offered by lenders for 2 and 3 year fixed periods. For anyone who decided to lock in a rate during this time, it seems you have made the right call.

Since September interest rates offered on fixed rate loans have steadily increased, with some rates offered increasing by more than 1%, even though the RBA has stated that they are not planning to increase the cash rate until early 2023. So what are the factors that have caused lenders to increase fixed rates when the variable rates offered have not changed?

The main cause of fixed rates increasing is inflation, not locally but from overseas.

Banks and other lenders source their money from a number of different areas, with a large proportion from overseas banks. In the US, for example, inflationary pressures that are the worst in 40 years due to the pandemic will see the Federal Reserve increase rates for the first time since 2018 from April 1st. As the cost of money from these sources has increased, the extra costs are being reflected in the rates offered by lenders here.

While fixed rates are increasing the variable rates offered by some lenders have continued to fall, as the RBA’s cash rate has not changed as yet. Currently you are able to obtain variable rates lower than 2% with a number of lenders.

However inflation is also an issue for us locally, so there is an expectation that the RBA will need to increase rates sooner than the stated 2023 timeline.

This is of particular concern for anyone with a variable rate Home Loan, as budgets may already be stretched with the increased living costs impacting households.

If you weren’t lucky enough to have your rate fixed earlier in the cycle and currently have a variable loan, now would be the perfect time to review your position with a Mortgage Broker, who can recommend a loan structure that would be the most suitable for your particular financial circumstances.

At SHL Finance we are helping our clients navigate their way through the changing Home Loan market to ensure they are in the most suitable products that meet their needs. We would love the opportunity to help you.

Please call Reece Droscher on 0478 021 757 or email reece@shlfinance.com.au.

Advice given in this article is general in nature and is not intended to influence decisions about investing or financial products. You should always seek your own professional advice that takes into account your personal circumstances before making any financial decisions.

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Family Trusts in the ATO Firing Line ACCOUNTANT

By Warren Strybosch

The ATO has released a suite of new guidance products that is set to have a major change on family trust distributions and tax arrangements.

The ATO has released new draft public advice and guidance (PAG) products relating to section 100A reimbursement agreements and division 7A of the Income Tax Assessment Act 1936.

The Draft Taxation Ruling TR 2022/D1 suite is open for consultation and clarifies the ATO’s position on reimbursement agreements under section 100A, and identifies arrangements that will not attract ATO compliance resources.

Draft Taxation Determination TD 2022/D1 outlines when “financial accommodation” arises under division 7A whilst Taxpayer Alert TA 2022/1 highlights arrangements of concern from the ATO where taxpayers are using adult-child beneficiaries of family trusts to avoid tax on income.

The draft Ruling means the ATO may charge Trusts up to 47% tax where a trust distributes funds to adult children and it is found the parents are using those funds instead of the intended beneficiaries, in this case, the adult children.

“We have included explanations of proposed transitional arrangements to support clients to adjust their tax affairs to comply with the draft guidance once it is finalised.”

The products address the situation when certain trust distributions may attract the operation of section 100A or division 7A of part III of the Income Tax Assessment Act 1936 (ITAA 1936), according to the ATO. The guidance will be relevant to any trustee (or controller) of a closely trust that may have concerns about whether the trust anti-avoidance provision in section 100A may apply when trust income is distributed to relatively favourably taxed beneficiaries, but the benefits of that income are enjoyed by others.

It also addresses trusts that intend to, or have in the past, made a private company beneficiary presently entitled to trust income but not paid the amount on the basis that the amount is held in a sub-trust for the benefit of the private company and the arrangement avoids the application of division 7A. “The vast majority of small businesses operating through a trust will not be affected by this public advice and guidance,” the ATO explained.

It has been common practice for family trusts to be set up and income splitting to occur between spouses and other family members e.g., adult children. The ATO is aiming to stop or at least restrict this practice by using section 100A arguing that the beneficiary never used the funds and therefore was not actually entitled to the trust money that was paid to them. If this is found to be the case, then the ATO can tax the trust at the maximum rate of 47% (45% tax + 2% Medicare levy).

If the ATO beings to enforce section 100A, all trustees of family trusts will need to review their income-splitting strategies and how they distribute funds to beneficiaries. It will be important for trustees to have written document in place which adequately explains the justifications as to why a beneficiary is entitled to the revenue generated by the trust. This is going to be paramount for business owners who run their business through a family trust where the main business owner is the key person generate the revenue flowing through the trust and for those who have set up trusts to pass on funds to adult children.

“The draft guidance sets out the ATO’s preliminary but considered views on the interpretation of the relevant law, as well as guidance on how the ATO will administer the ATO view as expressed in the draft products,” the ATO said.

The ATO's further guidance in PCG 2022/ D1 specifically calls out children-parent arrangements. It is likely these types of arrangements will be targeted resulting in future penalties applying if the ATO conducts an audit. An example might

be where a beneficiary has a significant difference between their entitlement to taxable 'net income' and their 'trust income' in specific year (not that uncommon) and the ATO thinks the gap is contrived to pay less tax. Again, it will be important to have carefully documented reasons as to how the adult children are using these funds for their own personal use e.g., pay board, petrol, etc.

Another area the ATO will be looking closely at is where a trust pays money to a company in a circular way between a Trustee that holds shares in a Company and then the Company is also a beneficiary that pays dividends to the Trust. The idea being the Company becomes entitled to trust money which the Trustee is really using for its benefit (and which the Trustee should instead be accumulating and paying tax at 47%).

It is advisable that these arrangements cease immediately.

Family trusts have always been in the firing by the ATO and more so since Labor limited the ability of trustees to distribute funds to minors. These new developments, whilst they might add another level of complexity for trustees, does not mean trusts hold no value. They are still a good vehicle for asset protection, and when set up correctly, with the right documentation in place, can still provide a good way of distributing funds to adult-children, and used for income-splitting purposes.

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

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

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twinkle in his eye, that some would think that he had spelt Pinnacle wrongly, but he said that he had spelt it with a double C - because he could. And because people would tell him that he had not spelt it correctly. He was right.

Remembering Gary Cooper

By Elwynne Kift

Today we farewelled Gary Thomas Cooper who was a tireless community advocate over many organisations and issues. His work for the neighbourhood was admirable work at the Heatherdale Reserve with strategically placed bird/ possum boxes was referred to the Federal Member ( Phil Barresi at the time) and he convinced him that the Federal Government should spend money on local environmental issues which happened.

Gary never missed a "Clean Up Australia" Day until just the other day. Gary was the only person I know who could bring a Federal politician back from his holidays to chair a public meeting which addressed the noise, dust, and visual pollution along Heatherdale Rd. This happened in 2004 , with the beginning and formation of the Heatherdale Community Action Group. A march was organised against this pollution, and DID

GARY LOVE A MEGAPHONE ! The call- WHY ARE WE MARCHING- Noise. WHEN DO WE WANT IT TO STOP?- Now ! Gary led them all the way.

Gary was always ready to give intelligent and well thought out advice- someone who had an unusual account with an electricity company was chatting over a coffee ( Yes- Beraldo’s in front of Coles at Ringwood Square ) and Gary investigated & went through two previous years as well- RESULT - He received a refund credit - and an apology!

Gary's ability to asses a situation, whether in the Community or an organisation was exceptional. He was a Regional Branch Bank Manager in Townsville , when Cyclone Tracy hit Darwin and the National Bank mentioned that Darwin needed a bit of help, and so who else would they send , but Gary told me it was all good experience for him. Many might have wondered about Gary's e-mail address. He told me with that wicked

After Sue and Gary moved to Ringwood , it was only a short time until he was helping with organising activities within the village and on the Social and General Operations Committee. Many of the Village residents were present at Gary's service. Gary attended quite a few VCAT hearings for the Community and also appeared on the jury twice that I know of . He told me that he took copious notes both times. I am sure he did and that the other jurors would have had to be correct in their opinions. Gary was awarded the OAM in 2009 and today I listed the 19 organisations that Gary was involved with. The Financial Sector was represented by 2 people in the congregation and I was honoured to read their tribute His membership was from 1966- 2020 and was highly respected in this Union - having been President for 6 years from 1981-1987 and National Vice President from 1985- 1987.

He was awarded Life Membership in 2005, and was a VIP in October last year , where he was feted as being one of only 2 members who had 34 years of membership!

We wish Gary peaceful rest , and honour and respect a man who touched many of us in the Community in a very positive manner.

Elwynne Kift President of Heatherdale Community Action Group hcag@iinet.net.au www.hcag.online

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives.

A multi-award winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

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

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Do you have a signage strategy?

SIGNAGES

By Glenn Martin

Your brand is more than your logo or website.

Are you making the most of your building exteriors, interiors and vehicles to showcase what you do?

Today’s consumers are extremely savvy - they make quick assumptions about your products and services through a variety of touchpoints with your business.

Depending on your industry, some customers may need to have contact with or notice your brand a minimum of 6-8 times before recalling your company name when making a purchase (Salesforce, 2015). Considering that 57% of the buyer’s journey is over before anyone ever speaks to a salesperson in your organisation (Hubspot), showcasing your brand with bright, bold signage increases real world touchpoints with your target market.

number of transactions and overall profits.

Roughly 60% of businesses reported an increase in sales of approximately 10% on average (FedEx).

About 67% of the consumers surveyed said they had purchased a product or service because a sign caught their eye (FedEx).

Signs are constant - they are promoting your business 24 hours a day, 365 days a year. In conjunction with your overall marketing and advertising strategy, having an effective signage strategy in the mix could mean the difference between an average or a fantastic sales year in 2022 and beyond.

First Impressions - Attract New Customers According to research conducted

by FedEx, nearly 76% of consumers said that they had entered a store or business they had never visited before based simply on its signs.

In addition, pylon and outdoor signs were associated with significantly more teller transactions.

Our customers constantly provide feedback that adding effective signage designs to their building exteriors, interiors and vehicles has helped them to increase sales and foot traffic.

1.

68% of consumers believe that a business’ signage reflects the quality of its products or services.

When a business depends on potential customers from outside of their local community, effective signage becomes vital.

Your Illuminated LED signs or ACM panels and window decals on the exterior of your business could be the first interaction that a potential customer has with your brand.

2. Increased Profit Research indicates that changing the design or enhancing and refreshing business signs has significant and positive impacts on sales, the

3.

Stand Out From Your Competition Depending on where you are located, you could be surrounded by your direct competitors. Considering that customers may first interact with your business by seeing your exterior signage, your sales will be directly impacted by the effectiveness of your signage strategy, including how fresh and bright they look.

Could it be time for an upgrade?

If you’re looking for some ideas, visit our website to view our Gallery www. signarama.com.au/store/mitcham or speak to our team about how to increase your brand awareness.

4.

Consistency = Consumer Confidence By meeting your customers where they are – at work, on the road, out shopping, school drop off - you can ensure that they are seeing your brand imagery regularly.

This is even more important in 2022, with savvy consumers undertaking plenty of independent research online before they make a purchase. independent research online before they make a purchase.

Adding real world interactions with your brand in addition to any digital advertising will reinforce the quality and consistency of your products and services.

Research shows that customer engagement increases 40% on average when graphics that convey quality are part of the message, and 54% of customers believe the quality of materials is a strong reflection of the business’ product or service (FedEx).

In conjunction with your overall marketing strategy, your exterior, interior and vehicle signage reconfirm your brand consistency and will reflect the overall quality of your offering.

What is your signage strategy in 2022?

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

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List Your Aged Care Facilities with Find Aged Care Accommodation Today.

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

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation. com.au) so you can promote your facilities and services to the general public. You can

also place any job vacancies on our website that is available in your facilities.

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

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Do you get high at work?

GENERAL INSURANCE

By Craig Anderson

Many tradespeople are qualified to work at height as part of their occupation.

They may use scaffold, EWP (Elevating Work Platform), rope access equipment, or even work on a high-rise rooftop with access via stairs or a lift. Regardless of how they get there, most of them will be aware of their surroundings, and will make every effort to keep themselves and those around them safe and try not to break anything in the process. Some will not have read their Public Liability Policy Wording, and will be unaware that the policy they purchased has a height limit imposed which they exceed without knowing. If they create a bodily injury to a third party or damage to third party property, and they are working above the insured height limit when the accident occurs, the policy will not respond. In other words, they become personally financially liable without the benefit of insurance that suits the activities they undertake in their business.

Policies without height limitations are available. rope access technicians and height safety equipment installers are two trades that spring to mind who are constantly working at heights above those allowed for in some policies, and who require more tailored cover with fewer restrictions. Scaffolders, renderers, painters, glaziers, roofers, plant and equipment techs for example may all require cover at height, depending if they perform commercial or domestic work. For these trades, there really is no reason not to be covered properly when the solution is there waiting.

If you are working at heights, and have no idea if you are really covered, the time to act is now. A review of your policy could ensure you are not exposing yourself to unnecessary financial risk.

For a health check of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au or call 0418 300 096 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

Gone up in smoke - $42m worth of illicit tobacco ceased and destroyed

By Warren Strybosch

The ATO via “Operation Greyhound”, they have uncovered a large source of illicit tobacco in Koraleigh, New South Wales. The amount covering 24 acres, was estimated to be over 250,000 kilograms in weight, and worth a staggering $42m on the open market.

The ATO undertook significant warrant activity with assistance from officers attached to the Murray River PD Rural Crime Team and the Proactive Crime Team from NSW Police Force. The ATO said that this outcome demonstrates their commitment to detecting, disrupting, and dismantling crime syndicates that grow illicit tobacco.

MARCH 2022 | FIND MAROONDAH

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Businesses Fudging The Books Are Placed On Notice

By Warren Strybosch

Have you ever gone to pay for something and wondered whether the money you handed over is being recorded correctly for tax purposes? Do you sometimes think, especially when they ask if you want a receipt or not, if the funds are being recorded in a way so as to avoid paying tax? Well, your thoughts might have some validity to them.

The ATO has recently released PS LA 2022/1 Administrative penalties for electronic sales suppression tools. It provides guidance to ATO staff on the application and remission of the administrative penalties for producing, supplying, possessing and incorrectly keeping records using an electronic sales suppression tool (ESST). ESSTs are hardware or software tools designed and used to manipulate sales records, understate income and assist in avoiding tax obligations. The production, supply, possession and use of ESSTs contribute to the black economy and undermine the integrity of the tax system.

What is an ESST? ESSTs are designed to interfere with electronic sales records; that is, they can falsify, manipulate, hide, obfuscate, destroy or prevent the creation of electronic sales records, often without an audit trail showing the interference.

They can take various forms and are constantly evolving, but some examples include: • • •

software that deletes or modifies point of sale (POS) records storage devices (such as back-up drives) containing software that deletes or modifies records POS devices with software that deletes or modifies records.

Penalties apply for producing, supplying, possessing, and incorrectly keeping records using ESSTs, as well as aiding or abetting another to do so.

If you discover an entity has possession of or is using an ESST, in addition to considering if a penalty applies, you should work with the entity to ensure that the ESST is removed so the entity will no longer engage in conduct that can attract a penalty.

Deciding whether something is an ESST To be an ESST, the tool must both be capable of interfering with a record and one of its principal functions must be to interfere with sales records. A modification or additional features added to a legitimate sales system can be an ESST, even if the device or program as a whole is not.

Records are information in any format that explain an entity's transactions or other actions. Precisely what they are and what form they take depends on the circumstances. They generally include tax invoices, receipts and records of sales and all business transaction information.

An ESST must be capable of interfering with records. Typically, a tool can interfere with records if it can: • • •

manipulate, falsify or delete the record of transactions renumber or recharacterise transactions interfere with records without showing an audit trail of the changes.

A tool passes the capability test for an ESST if it can interfere with a record that: • •

an entity is required by a taxation law to keep or make, and has been, or could be, created by a POS system which creates or feeds data into an entity's tax records.

You do not need evidence that the tool has been used to interfere with a record, just that it is 'capable' of doing so.

Criminal prosecutions An entity that produces, supplies or possesses an ESST or uses an ESST to incorrectly keep taxation records may be liable for criminal prosecution.

The ATO may seek prosecution of an offence by conducting a criminal investigation and referring the matter to the Commonwealth Director of Public Prosecutions.

Example 1 - not an ESST - changes are recorded

Bellissima Beans Café Ltd buys a POS system for their new café. This POS system

includes a function to reverse and void transactions. The manufacturer states that this function is for correcting mistakes and generating refunds.

The POS system records all changes to transactions in its history log. It produces a receipt and marks it as a void transaction.

All receipts have sequential transaction numbers so any void transactions with missing receipts can be identified.

Although this function gives Bellissima Beans Café Ltd the ability to delete and reverse transactions, the POS system creates an audit trail, so a reasonable person would not conclude that one of its principal functions is interfering with records. The POS system is not an ESST. Example 2 - possession of an ESST - full remission

The ATO conducts a routine audit of a bookstore owned by Book Worms Pty Ltd (Book Worms). Bob is the director of this company and runs the bookstore.

During the audit, a hidden function within the system allows sales transactions to be deleted or manipulated without leaving a record of the original transaction. As a reasonable person would conclude that one of the primary functions of this system is to interfere with sales records, it is an ESST. Bob is surprised to discover that his system has an ESST and explains that he had no idea that it was there. He had bought the bookstore from Keanu in March 2017, who had not mentioned that there was anything unusual about the business or the equipment. He explains that he had not used the ESST and contacts his POS system supplier immediately to ensure ESST capabilities are removed.

At the conclusion of the audit, no evidence was found that the ESST had been used to alter any of Book Worms' business records. The audit did not result in any amendments to Book Worms' income tax returns or BASs. Book Worms has a good compliance history.

Notwithstanding the above, Book Worms is liable to an administrative penalty of 30 units for possessing an ESST. It does not matter that Book Worms came into possession of the ESST before the legislation was enacted.

MARCH 2022 | FIND MAROONDAH

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FIND MAROONDAH | MARCH 2022

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The Marketing of Infant Formula: a US$55 Billion Industry •

LACTATION CONSULTANT

By Dr. Joanna Strybosch

The International Code of Marketing of Breast-milk Substitutes, (the Code), is an international health policy that was developed forty years ago and published by the World Health Organization in 1981.

It is an internationally agreed voluntary code of practice intended to regulate the marketing of breastmilk substitutes, and protect mothers from aggressive marketing practices.

The Code was written in response to the marketing activities of the infant feeding industry which were promoting formula feeding over breastfeeding, in turn leading to dramatic increases in maternal and infant morbidity and mortality.

The underlying basis for the Code is the belief that the health of babies is so important that the usual rules governing market competition and advertising should not apply to products intended for feeding babies. Therefore, all Governments should legislate to prevent commercial interests from damaging breastfeeding rates and the health of their population.

The Code is intended to be an integral tool to help protect babies’ rights, enabling families to make infant feeding choices free from commercial influence and with full understanding of what is in their child’s best interest. It helps give babies the best possible chance to grow, develop and flourish in their critical foundation years.

Unfortunately, the circumstances that necessitated the creation of the Code are still relevant and constantly evolving. In 2022, the WHO reported that the global infant formula market is now worth approximately US$55 billion annually. According to Dr Mary-Anne Land, of the Public Health Association of Australia, “Forty years on formula marketing still represents one of the most underappreciated risks to infants’ and children’s health. Scaling up breastfeeding could prevent upwards of an estimated 800,000 deaths of children under five and 20,000 breast cancer deaths among mothers each year.

Despite the Code, formula companies continue to violate principles established by these international agreements, putting sales and shareholder interests before infant and population health.”

• •

• A recent WHO/UNICEF report into the marketing of infant formula shows that half of parents and pregnant women (51 per cent) surveyed say they have been targeted with marketing from formula milk companies, much of which is in breach of international standards on infant feeding practices.

The report – How marketing of formula milk influences our decisions on infant feeding, finds that industry marketing techniques include unregulated and invasive online targeting; sponsored advice networks and helplines; promotions and free gifts; and practices to influence training and recommendations among health workers. The messages that parents and health workers receive are often misleading, scientifically unsubstantiated, and violate the Code.

What is covered by the Code?

All breastmilk substitutes are covered by the Code. The definition for a breastmilk substitute is any food being marketed or otherwise presented as a partial or total replacement for breastmilk, whether or not suitable for that purpose.

This may include: • • • • •

infant formula; follow on formula; infant milks marketed as food for special medical purposes (FSMP); baby foods; bottles/teats and related equipment.

The Code prohibits all promotion of milks and equipment related to bottle feeding and sets out requirements for labelling and information on infant feeding. Any activity that undermines breastfeeding also violates the aim and spirit of the Code. The Code and its subsequent resolutions are intended as a minimum requirement in all countries, and are written into the United Nations Convention on the Rights of the Child.

Manufacturing companies may not: • promote their products in hospitals, shops or to the general public;

•

give free samples to mothers or free or subsidised supplies to hospitals or maternity wards; give gifts to health workers or mothers; promote their products to health workers: any information provided by companies must contain only scientific and factual information; promote foods or drinks for babies; give misleading information; have direct contact with mothers.

This requirement is intended to restrict the influence of commercial interests related to infant feeding and to protect breastfeeding as the healthiest option for mothers and their babies. It does not in any way prohibit the provision of factual information about bottle feeding or introducing solid food, or require that mothers who bottle feed be denied information or care. It is intended to ensure that all parents, whichever way they feed their baby, have access to accurate and effective information free from the influence of marketing campaigns designed to protect profits rather than babies.

Dr Land goes in to say, “Manufacturing companies often present themselves as philanthropic partners in the fight to protect and improve maternal and infant health. In reality, like all other commercial companies, they exist to increase shareholder value by maintaining and increasing profit. For companies manufacturing formula milks or other baby foods, this means selling as much of their product as possible. To do this, they need to persuade parents to formula feed rather than breastfeed, to choose their formula milk rather than a competitor’s, and to use their brand of baby food as early and as much as possible.”

In Australia, the principles of the Code are put into effect through the Marketing in Australia of Infant Formulas: Manufacturers And Importers Agreement (MAIF Agreement). It is Australia’s response to the Code but it is only a voluntary, selfregulatory code of conduct. In Australia, the Code is not legally enforceable and the MAIF Agreement contains weaknesses. Various health groups have strongly advocated that Australia needs to enforce the Code and subsequent resolutions under Australian law. Formula milk marketing, not the product itself, disrupts informed decision-making and undermines breastfeeding and child health.

MARCH 2022 | FIND MAROONDAH

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Leaving your Club?

Peter Horton

All clubs at some stage or another lose members and it is important for the person leaving the club to let them know why they are leaving.

We acknowledge that there are a number of reasons: • • • • • • •

family commitments health retirement from playing sport moving out of the area unhappiness – major disagreements offered more money to play at another club new challenges

It is possible that the member has decided to leave because they have had a dispute with someone at the club – a member of the board or a selector and they no longer trust how the club is being run.

Whatever the reason your club needs to know you have decided to move on. It may be a problem that the club is not aware of or a problem that has existed for some time and has gone unresolved.

If you are thinking about leaving your club make sure you really want to leave and finish up regretting your decision.

Find the time to talk someone at the club – the president, board member, club secretary and discuss your concerns and reasons why you are planning to leave BEFORE you let other members of the club know what you are planning to do.

If the club is aware of your problem give them time to investigate and if it is resolved to your liking then you can happily put your plans to leave to rest.

On the reverse side if your complaint or concern is not resolved write a resignation letter to the secretary of the club detailing the reason or reasons why you are leaving.

Membership is the backbone of every sporting club and retaining members should be a key objective because we all know how hard it can be recruiting new members.

Before moving on think about it – do you really want to part company and start all over again at another club – its your decision.

MARCH 2022 | FIND MAROONDAH

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FIND MAROONDAH | MARCH 2022

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‘Declare or be aware’ warning for tourists It has increased the number of officers at international airports and seaportsand aims to shut down criminal networks bringing illicit drugs, firearms and illegal goods and materials into Australia.

Maeve Bannister

(Australian Associated Press)

Tourists arriving in Australia for the first time in two years are being reminded to “declare or beware” when it comes to their luggage.

Home Affairs Minister Karen Andrews says the operation began in November 2021 and by December it was already achieving results.

Agriculture Minister David Littleproud says officers intercepted four items that could have “significant impact” on Australian agriculture, brought in by passengers on one of the first planes to arrive at Brisbane airport after the ban on international flights was lifted.

He told a media conference on Monday the pork product, honey and seeds were all declared and no fines were issued. But he says border force officers have been told to use the full force of penalties – a maximum fine of $2664 and visa cancellation – if people fail to declare items. International students can now also have their visas cancelled for breaching biosecurity laws. “Welcome to

Australia, but declare or be aware you will get picked up,” he said.

Meanwhile supply chain criminals are being targeted at Australian border points as officials ramp up efforts to detect and stop illegal activity. The multiunit collaboration – known as Operation Jardena – involves border force officers and federal, state and territory police.

FRI 18 MAR

Spirograph Studies

TUE 15 MAR

Relaxed Performance

TUE 29 MAR

Northern Serenades

Just before Christmas, a shipping container was intercepted in Brisbane with 50 kilograms of cocaine concealed offshore in its refrigeration unit to be removed by criminals working in the supply chain in Australia, she said.

Operation Jardena has also found and seized tonnes of tobacco and millions of illegal cigarettes.

Additionally, officers monitor approved imports for compliance breaches, with more than 90 infringement notices issued since the operation started.

findmaroondah.com.au

MARCH 2022 | FIND MAROONDAH

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COVID-19 $450 payments to cease.

By Warren Strybosch

The Andrew’s government will cease paying the $450 payment to Victorians whilst they await their PCR test results, as rapid swabs make the system obsolete.

The state government announced its test isolation payment will end with demand reducing as rapid antigen tests become more widely available.

Industry Support and Recovery Minister Martin Pakula said Victoria was entering a new phase of managing the pandemic and the program was no longer necessary.

"The recommended testing method has changed with rapid antigen tests providing results within minutes and eliminating the need to miss work while waiting for test results," Mr Pakula said.

More than 1.2 million payments worth about $545 million have been approved since the system began in July 2020 during the state's devastating second wave of COVID-19 infections.

Payments will still be available for Victorians who have to self-isolate, quarantine or need to care for someone in self-isolation or quarantine under the federal government's pandemic leave disaster payment.

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27

2022 TA Temporary full expensing of depreciating assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing was extended by 12 months from a 2021 Federal Budget announcement and is now law. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities

Announcement(6-Oct-2020) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022)

will have separate eligibility criteria. Since the original legislation was enacted, further amendments have

Royal Assent

been made to the laws to allow businesses a choice in using full expensing or not. In certain situations, it

Date of effect(6-Oct-2020)

may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Superannuation guarantee exclusion for low-income workers removed The low-income earners’ exemption for employers calculating their superannuation guarantee shortfall will be removed from 1 July 2022. The low-income earners’ exemption states that an employer is not required to pay superannuation guarantee where their employee earns less than $450 in a calendar month. The change that is occurring is a repeal of the subsection of the legislation which provides the employer’s exemption from superannuation guarantee liability. The repeal will not be in place until 1 July 2022. Where

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed(10-Feb-2022)

a client of yours contracts out their payroll function to a third-party provider, best practice is to ensure a

Royal Assent(22-Feb-2022)

relevant update to the system is completed. This may involve contacting the third party or completing a “dry

Date of effect(1-Jul-2022)

run” prior to making any payments.

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget will reduce the age limit from 65 to 60 from 1 July 2022.To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.

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

nouncement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed(10-Feb-2022) Royal Assent(22-Feb-2022) Date of effect(1-Jul-2018)

•

age test

•

work test, and

•

$1.6 million total superannuation balance test

for making non-concessional contributions.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of prior year income tax paid, but is only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the

Announcement(6-Oct-2020) Consultation(6-Oct-2020) Introduced(7-Oct-2020) Passed(9-Oct-2020)

balance of the franking account. The loss carry-back tax offset has been extended by 12 months to include

Royal Assent(14-Oct-2020)

losses in the 2022–23 income year. The amendment is now as the legislation has been given royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions will be removed from 1 July 2022. Prior to the change, super fund members over the age of 65 are required to work at least 40

Announcement(11-May-2021)

hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for

Consultation

non-concessional contributions (including the bring forward rule) will allow members to contribute more to

Introduced(27-Oct-2021)

super throughout their lifetime, subject to meeting other requirements. However, it should be noted that the

Passed(10-Feb-2022)

work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions.

Royal Assent(22-Feb-2022) Date of effect(1-Jul-2022

However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see event ‘Work test exemption for low balance retirees’).

First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will increase from $30,000 to $50,000. The increase will apply to withdrawal requests from 1 July 2022 as amending legislation has now passed and been given royal assent. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. The scheme began on 1 July 2017, with voluntary contributions up to $15,000 per year able to be used for an FHSS scheme withdrawal. The withdrawal also includes deemed earnings on the voluntary contributions. The scheme is

Announcement(10-May-2017) Consultation(4-Aug-2017) Introduced(27-Oct-2021)

intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by

Passed(10-Feb-2022)

accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers

Royal Assent(22-Feb-2022)

in limited circumstances. Other administrative changes from the amending legislation include allowing

Date of effect(1-Jul-2018)

individuals to withdraw or amend their application for release prior to receiving payment. Individuals who withdraw or amend an application will not lose their ability to re-apply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Employee share scheme tax and regulatory changes New legislation will remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS) from 1 July 2022. Further regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall, combining both the new legislation and regulations for ESS participants and businesses may change traditional structuring of

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021) Passed(10-Feb-2022)

arrangements. Further, it will allow greater flexibility and clarity for businesses to make ESS offers to participants

Royal Assent(22-Feb-2022)

in the future. These updates will commence for ESS interests entered into on or after 1 July 2022.

Date of effect(1-Jul-2022)

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.

Announcement(8-May-2021)

Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery

Consultation(12-Jan-2022)

action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50

Introduced(17-Feb-2022)

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Passed Royal Assent Date of effect

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) The NSW Government has introduced a financial assistance package for small and medium-sized businesses under pressure in early 2022 as a result of COVID-19. Specifically, eligibility for the Small Business Support Program will be based on turnover levels in January 2022 or the first fortnight of February 2022. The program

Announced: 30-Jan-2022

is similar in nature to the JobSaver program available to businesses in NSW during 2021. Businesses will

Updated: 25-Feb-2022

receive payments based on their level of payroll if they have experienced a minimum decline in turnover.

Applications need to be made through Service NSW and close 31 March 2022.

MARCH 2022 | FIND MAROONDAH

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MARCH 2022 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

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MARCH 2022 | FIND MAROONDAH

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FIND MAROONDAH | MARCH 2022

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FREE RENTAL LISTING Advertising for Real Estate Agents

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

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

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NEW RENTAL LISTING HOSKINS 142 Maroondah Highway Croydon VIC 3136

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

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

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

MARCH 2022 | FIND MAROONDAH

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NEW RENTAL LISTING STOCKDALE & LEGGO RINGWOOD 1/23 Ringwood St, Ringwood VIC 3134 P: 03 9879 6335 | F: 03 9879 8987 ringwood@stockdaleleggo.com.au www.stockdaleleggo.com.au/ringwood

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editor@findmaroondah.com.au

NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

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NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

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MARCH 2022 | FIND MAROONDAH

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Maroondah C

Gluttony takes over Croydon this April From Wednesday 6 April to Sunday 10 April 2022, Croydon Park will be transformed into a feast for the senses for lovers of the arts, food and wine, aptly named ‘Gluttony’.

Gluttony at Croydon Park will be a condensed version of its Adelaide counterpart, squeezing the best acts, food and festivities into a five-day extravaganza.

Cr Mike Symon, Mayor of Maroondah, is thrilled to add Gluttony to Maroondah’s diverse arts and entertainment calendar for 2022.

“We are so excited to announce that Maroondah is the first Victorian Council to host Gluttony,” Cr Symon said. “Gluttony will be a fabulous opportunity to have a widely popular, national, one-of-a-kind experience in our own backyard.

Gluttony’s history Popping up annually in Adelaide’s east parklands since 2011, Gluttony has cultivated a reputation as being one of the top events of the Adelaide Fringe Festival.

In addition to the 130+ fabulous Fringe acts that perform, Gluttony also hosts dining precincts that offer a diverse range of delicious cuisines, bars serving fine wines, local beer and topshelf spirits, family-friendly activities, interactive installations, and multiple areas to relax in their open-air party in the park.

Gluttony is currently in full-swing in Adelaide, opening its doors and tent on Sunday 18 February. The festival will wrap on Sunday 20 March and will then pack up and truck itself over to Croydon.

“Every ticket purchased supports artists, arts workers and the arts and events industries, which are critical to the creative spirit and progress of our Council and indeed our festival state,” he said.

Acts and performers Thousands of artists have passed under Gluttony’s Art Decostyled façade to perform on its stages, from local up-andcomers to national TV stars and globally renowned acts.

Find out more

Council News MARCH 2022

New Pavilion Boosts Membership Interest For User Groups

On Thursday 17 February, the new Springfield Sporting Pavilion was officially opened by Cr Mike Symon, Mayor of Maroondah and Sonja Terpstra, Member for Eastern Metropolitan Region, representing the Minister for Community Sport, the Hon. Ros Spence. Maroondah Councillors, sporting club members and members of the community were also in attendance.

The redevelopment of the old Springfield Hall and change rooms was a $4 million project, with support from the Victorian Government.

Beginning in October 2020, the redevelopment included female-friendly player and umpire change rooms, a firstaid room, equipment storerooms, accessible shower and toilet amenities, match-day public toilets, ground floor covered spectator viewing area, foyer and lift, a 200 m2 multipurpose space, kitchen and bar, meeting room, office and storerooms.

Cr Mike Symon, Mayor of Maroondah, said one of the highlights of the new pavilion was the accessibility elements.

“This brand-new building has been designed to be accessible for all.

“It boasts accessible shower and toilet amenities, change rooms and large windows for game visibility no matter the weather,” Cr Symon said.

The works are a welcome update for the sporting and community clubs that are based at the Springfield Pavilion.

“Springfield is home to the Croydon Rangers Gridiron Club, is utilised as the training facility and function space by the Eastern Football Netball League (EFNL) Umpires Association and is also used by U3A Croydon who I’m sure will enjoy these facilities for many years to come.

Sonja Terpstra, Member for Eastern Metropolitan Region; Cr Mike Symon, Mayor of Maroondah; Cr Tasa Damante of the Wicklow Ward; Michael Krischunas, Life Member of the Croydon Rangers Gridiron Club; Peter Carey, Head of Umpiring, EFNL Umpires Association; and Neil Rose, President of U3A Croydon at the official opening the redeveloped Springfield Pavilion.

“It is also home to our Vacation Care program run by our Children’s Services team,” Cr Symon said.

The redevelopment involved demolishing the old Springfield Hall, redeveloping the carpark and creating new footpaths around the pavilion.

The new structure was then built offsite in sections, craned in and erected in quick succession.

This style of construction minimises the impact onsite for both users and surrounding residents, meaning that the brand-new facility was ready to use in a much quicker timeframe.

Croydon Rangers Gridiron Club President, James Arthur, said the club have called Springfield home for over three decades.

“We are already reaping the rewards that the new Springfield Pavilion is offering the Croydon Rangers Gridiron Club.

MARCH 2022 | FIND MAROONDAH

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Mind Strength with Dr Jodie Join the free online session to learn Dr Jodie's four steps to curb anxiety, conquer worry and build resilience.

Dr Jodie will be talking on her Mind strength method - four steps to curb anxiety, conquer worry and build resilience. The Mind Strength Method has been transforming lives around the world, helping people to conquer anxiety and build happiness, resilience and wellbeing.

Find out more

Maroondah Heritage Action Plan: identifying, protecting and celebrating our heritage Council has released the Maroondah Heritage Action Plan, which outlines its objectives for identifying, protecting, promoting and celebrating the city’s heritage over the next four years.

Find out more

The Cheong family, Walter Burley Griffin and stories of Chinese-Australians forum A forum exploring the legacy of Cheok Hong Cheong including the Croydon development designed by Walter Burley Griffin.

Speakers will include Museum of Chinese Australian History CEO Mark Wang, architectural historian Natica Schmeder; and curator Dr Tammy Wong Hulbert, (RMIT) and artist Siying Zhou who created Becoming Home: Stories of Chinese-Australians in ArtSpace at Realm.

Read More

The Suicide Conversation Don’t miss this opportunity to attend this free workshop on the suicide conversation facilitated by Victoria Carrier at LifeConnect.

Council is continuing to offer our community the opportunity to participate in training to help improve mental wellbeing. Don’t miss this opportunity to attend this free workshop on the suicide conversation facilitated by Victoria Carrier at LifeConnect.

Read More

Sons of the West - a Men's health program in Maroondah Maroondah City Council has partnered with the Western Bulldogs Community Foundation to bring the Sons of the West to Maroondah!

Presented by the Western Bulldogs Community Foundation and Maroondah City Council, Sons of the West is a free and fun men's health program.

Read More

Playgroup at Central Ringwood Community Centre Indoor-Outdoor facilitated playgroup at Central Ringwood Community Centre.

Our family playgroup runs every Tuesday during school terms.

Parents, grandparents and carers are welcome to attend.

The group is semi-structured with a leader who encourages everyone to join in and enjoy the activities.

Read More

MARCH 2022 | FIND MAROONDAH

47

Are you Not-For-Profit in Maroondah Area?

Advertise your events for FREE on the following pages.

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

Maroondah

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT EVENT ADVERTISEMENT

NOT-FOR-PROFIT EVENT ADVERTISEMENT

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

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

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

Further information contact Kaye 0414984062 www.townclubs.com.au

MARCH 2022 | FIND MAROONDAH

51

Eastland Town Centre Visit our community art wall to see the artwork come to life!

Eastland is excited to introduce a virtual Eastland Town Centre community art wall located on level one near The Coffee Club.

You are invited to scan the QR code through your mobile or tablet device and watch the artwork come to life in front of your eyes.

Get in quick! The community art wall will be available for a limited time only.

Glen Park Community Centre Eastland is proud to support Glen Park Community Centre, helping to create a strong, connected community free from poverty, isolation and injustice.

Glen Park Community Centre is a friendly, supportive and welcoming environment for everyone in the community. Their mission is to create a strong, connected community - free from poverty, isolation and injustice, where every person has access to food, housing, social and economic participation, lifelong learning and support.

Edwina Ricci Maroondah Positive Education Network Project Manager, Communities of Wellbeing, Vice Chair.

Tell us about your role in the Maroondah community…

I’m the project manager of the Maroondah Positive Education Network – a collaboration of 27 Maroondah schools, the Maroondah City Council and Communities of Wellbeing Inc servicing over 1500 teachers, 12,000 students and approximately 117,000 residents of Maroondah. I’m also the Vice Chair of a not-for-profit, Communities of Wellbeing.

Read More

Introducing the first Marvel x Pandora collection Express your love for the Marvel Universe with our latest collection inspired by the most iconic characters. Express your love for the Marvel Universe with our latest collection inspired by the most iconic characters. Hulk, Black Widow, Iron Man, Black Panther and other legendary heroes are ready for you.

Complete your mission with a snake chain bracelet featuring an Avengers clasp to tie it all together.

Read More

Celebrating International Women's Day Find out how we’re celebrating International Women’s Day In celebration of International Women’s Day, we’re excited to highlight some of the amazing and inspirational women who have made a positive difference within the community. earn more about what we have on offer this International Women’s Day. Read More

What's On

FRIEND ZONE by Thrills - Available Now at Universal Store

Learn & Play

Five-Dollar-itas MARCH 2022 | FIND MAROONDAH

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RETIREMENT Did you know?

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

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

MARCH 2022 | FIND MAROONDAH

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55

o T t i m b Su k c i r e m i L n o i t i t e p Com RETIREMENT

By Bernard Kelly MBA

Limericks are nonsense poems that take their name from nonsense poetry that originated in – yes, you’re right - Limerick, Ireland.

And now, as a senior, you will recall how limericks revitalized those (otherwise boring) long car trips when you were a child. This competition enables you to revisit those childhood memories.

Limericks are five line poems with a strict meter, and as they are easy to construct, they have been frequently written for children.

Their simplicity and singalong rhythm have also made it easy for drunkards in pubs to write rhyming slang, frequently with sexual content.

Which has enabled this art form to persist down through the ages.

They went into literature when Edmund Lear published a collection titled “A Book

of Nonsense” in 1846. It’s never been out of print ever since. Here’s an example of his work: “A delighted incredulous bride “Said to the groom at her side “I never would have believed “Until right now dear sir “How our anatomies would so coincide.”

And here’s another example of how easy limericks are to construct: “Here’s true history from the crew, “We found a mouse in the stew, “Said the waiter, don't shout, “And wave it about, “Or the rest will be wanting one, too.”

There are many hobbies, past-times and

interests that are available to seniors during daylight hours (for example you would develop new friendships when you join a charity that prepares meals for the homeless). Then on weekends you could assist as a volunteer in a project where everyone else is still in the workforce – I’m thinking of an outdoors miniature railway society.

Then of course, writing limericks is there for your evenings.

Submit your competition entry to bernardkellygeelong@gmail.com and feel free to ask about the prize pool.

And of course, if you want to further develop your skills as a member of the limerick community, you will be able to find a supporting writers’ group at your local neighbourhood house,

Contributing editor Bernard Kelly MBA is a modern elder with a goal is to maintain his zest for living. bernardkellygeelong@gmail.com

MARCH 2022 | FIND MAROONDAH

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FIND MAROONDAH | MARCH 2022

findmaroondah.com.au

The Downsizer Contribution – An Easy Way To Get Money Into Super FINANCIAL PLANNING

By Warren Strybosch

If you have reached the eligible age, you may be able to contribute up to $300,000 from the proceeds of the sale (or part sale) of your home into your superannuation fund.

From 1 July 2022 the eligible age is 60 years old or older. Prior to this it is 65 years old or older.

According to the ATO, this downsizer contribution is not a non-concessional contribution and will not count towards contributions caps. The downsizer contribution can still be made even if the contributor has a total superannuation balance (TSB) greater than $1.7 million.

Important points to note: • The home must in Australia, have been owned by you or our spouse for at least 10 years and the disposal must be exempt or partially exempt from capital gains tax (CGT) • You have not previously made a downsizer contribution to your super from the sale of another home or from the part sale of your home.

• Prior to (or at the same time) as making your contribution you must provide your fund with the ‘Downsizer contributions into super form.’

• A downsizer contribution will not affect the TSB until this is recalculated to include all contributions, including downsizer contributions, on 30 June at the end of the financial year.

• The downsizer contribution will count towards the transfer balance cap, currently set at $1.7 million. This cap applies when superannuation savings are moved into retirement phase.

Downsizing contributions can only be made for the sale of one home and cannot be accessed again for the sale of a second home.

• Downsizer contributions are not tax deductible and will be taken into account in determining eligibility for the Age Pension.

• If the contributor sells their home, is eligible and chooses to make a downsizer contribution, there is no requirement to purchase another home.

Source: ATO.

Timing is key One of the key areas to note is timing when considering this strategy. You must make the downsizer contribution within 90 days of receiving the proceeds from the sale of your home to your respective super fund. Generally, this would mean 90 days from settlement.

You can make multiple contributions from the sale of the primary residence, provided they do not total more than $300,000 each.

Downsizer contributions form part of your tax-free component within superannuation and will be taken into account for determining eligibility for the Age Pension (whereas the value in the main residence is exempt).

You do not have to have lived in the home for the entire ownership period.

So long as you are claiming at least a partial exemption from capital gains tax [CGT] under the main residence exemption, your property meets the main residence criteria for a downsizer contribution.

9 tips to consider Tip 1 — Date of contract of sale Be aware of the date your client entered into the contract of sale to sell their home. A downsizer contribution is only available where the contract of sale for an eligible property was entered into on or after 1 July 2018.

Tip 2 — 10-year ownership interest You must have held an ownership interest in the home being sold at all times during the 10-year period prior to the sale.

Tip 3 — Age-based considerations An individual must be aged 60 years or older when they make a downsizer

contribution to superannuation.

Interestingly, there is no upper age limit, so a downsizer contribution may be available to an individual well over the age of 65 who never had the opportunity to contribute to superannuation.

Usually, any contribution to superannuation made on or after an individual’s 65th birthday requires the work test to have been met. However, a downsizer contribution can be made irrespective of an eligible individual’s work status.

Tip 4 — Contribution amounts The amount you can contribute is limited to the lesser of $300,000, or the total capital proceeds you receive from the sale of your interest in the home. If you are a couple with joint ownership in the home, then you would be eligible to each contribute up to $300,000, resulting in a total downsizer contribution of $600,000.

Tip 5 — Contribution timing Eligible individuals must make a downsizer contribution within 90 days of the change of ownership on the eligible property. In most cases, this will be 90 days from the date of settlement, unless an extension has been granted.

You can make multiple contributions from the sale proceeds of the one eligible home within the 90-day eligibility period, so long as the total contributions do not exceed the lesser of $300,000, or the total capital proceeds received from the sale of your interest in the property.

Tip 6 — Downsizer contribution form The contribution needs to be accompanied by the downsizer contribution into superannuation form either when making, or prior to making the contribution to superannuation.

Tip 7 — Age Pension entitlements Age pensioners need to carefully consider how a downsizer contribution may impact their Age Pension entitlement. While the value of an individual’s home is means test exempt, the value of their superannuation interests, both in accumulation and

MARCH 2022 | FIND MAROONDAH

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pension phase, are means tested when determining eligibility for the Age Pension.

Eligible age pensioners may find a downsizer contribution indirectly impacts their Age Pension entitlement, however any additional amount they now have in superannuation as a result of the contribution could be used to further support their retirement income needs.

Tip 8 — Estate planning perspective A downsizer contribution is a new type of after-tax contribution to superannuation and, therefore, will not count toward an individual’s non-concessional contribution cap.

Any amount contributed will form part of the individual’s tax-free component.

From an estate planning perspective, the tax-free component would not attract tax if a death benefit lump sum was paid to non-tax dependants such as independent adult children.

Tip 9 — Transfer balance caps While an individual’s TSB can limit their ability to make certain additional contributions, most notably nonconcessional contributions, eligibility to make a downsizer contribution is not impacted by their TSB. However, an individual continues to be restricted to only moving a maximum of $1.7 million to retirement phase under the transfer balance cap (TBC). Should your client have already fully utilised their TBC, any additional contribution to superannuation under the downsizer measure would remain in accumulation phase.

Extension of time In some circumstances, contributors might be able to request a longer period for making a downsizer contribution, for instance, when a delay has been caused by factors outside their control.

However, an extension of time will not be granted to allow an individual to meet the age requirement.

According to the ATO, an extension of time should be requested before the 90-day period from the date of settlement has expired. If a contributor has overlooked the 90-day timeframe, an extension of time may still be granted due to, but not limited, to: • • •

ill health death in the family moving house.

ATO example of an extension being granted Ben, aged 77, decides to sell his family home of 15 years. Settlement occurs on 1 August 2018. He purchases a new home in a retirement village, which is due to settle on 1 October 2018.

The retirement village has only just been built, and Ben’s settlement is delayed until 1 December 2018 while final council approvals are obtained. Ben does not want to contribute funds from the sale to his superannuation until after the settlement of his new property to ensure he has enough money to purchase and move into the property.

Upon his request, the ATO gives Ben an extension of time to contribute until 1 February 2019. This extension allows Ben enough time to settle on the new property and make a contribution of the remaining money from his sale. Ben can afford to contribute $200,000 to his superannuation fund after the sale and makes this on 25 January 2019.

Source: ATO. Conclusion The benefit of the downsizer strategy is that there is no requirement to meet a work test to make this contribution. This is beneficial for clients aged between 60 and 74, but it is even more appealing for clients aged at least 75 who may still wish to contribute to their superannuation – whether they are still working or not.

Not only is this a great advantage of the downsizer strategy, but so is the fact that it does not matter how much a client already has in superannuation.

The total superannuation balance threshold of $1.7 million that would normally preclude an individual from being able to make further nonconcessional contributions does not apply for downsizer contributions.

57

Answer: Yes. A client can make a downsizer contribution as an in-specie transfer of assets, provided the value of the transfer does not exceed $300,000 or the total capital proceeds received for the property sale.

The ATO have confirmed this in LCR 2018/9 and provide the following example on their website: Alisha has a portfolio of listed shares worth $150,000. She sells her home for $500,000. As Alisha meets all the other requirements, she can make a downsizer contribution of up to a maximum of $300,000 using a combination of her shares and cash.

Remember, the downsizer contribution must be made within 90 days of receiving the sale proceeds and any transfer of shares from individual ownership to super will trigger a CGT event and capital gains tax implications may apply.

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

You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

For the full eligibility criteria and other details find out more at Downsizer contributions for individuals.

Downsizer Contributions Question 2: In-specie transfer of assets for downsizer contribution My client wishes to make a $300,000 downsizer contribution to super and would like to make this contribution via an in-specie transfer of personally owned shares. Is this possible?

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

MARCH 2022 | FIND MAROONDAH

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findmaroondah.com.au PROFESSIONAL SERVICES

FIND MAROONDAH | MARCH 2022

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

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

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

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TRADIES - FREE ADVERTISING Email your artwork to editor@findmaroondah.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findmaroondah.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

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PROFESSIONAL SERVICES

PROFESSIONAL SERVICES HELPING TO PROTECT YOU AND YOUR FAMILY

INSURANCE

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

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

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

INSURANCE

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

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

Visit Us Here

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

ABN: 26689211803

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

MARCH 2022 | FIND MAROONDAH

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PAGE

PROFESSIONAL SERVICES

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

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar

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

• Small and Medium Size Business Owners

Office: (03) 9424 9447

• Setup, Training & Review • Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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

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

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

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

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

KATHY ISMAIL ARCHITECT

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

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

www.kirachitecture.com

PAGE

PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

We offer contact-free installation!

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

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

Get in touch today.

• Design

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

FIRST HOME BUYERS

•

INVESTMENT LOAN

•

COMMERCIAL LOANS

•

STANDARD VARIABLE & FIXED RATE LOANS

•

HONEYMOON LOANS

•

BRIDGING LOANS

•

INSURANCE

REECE DROSCHER

•

DEVELOPMENT FINANCE

MORTGAGE BROKERING

Get the Morthgage You Deserve

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

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

Areas of Expertise

Contact Details

º

WHS/ OHS

º

Manufacturing

º

Regulatory Compliance

º

Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º

Succession Planning

PO Box 61, Mooroolbark VIC 3138

º

Business Management

º

Operations

mfelton@beaumontlawyers.com.au 03 9727 1376

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

8.5

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

FITNESS SHAKES • • • •

9.0

OG Gladiator Beast Ironman

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

TEA DROPS • • • • • •

blue lagoon gummy bear hocus pocus hubba bubba hulk jolly rancher

7.0 • • • • • •

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

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

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

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

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

ICED COFFEE

5.0

• mocha • macchiato

BOOSTERS • • • •

5.0

nrg focus cleanse hydrate

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

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

MARCH 2022 | FIND MAROONDAH

61

LOCAL TRADIES

PAGES

100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

TRADIES - FREE ADVERTISING

Are you a Tradie? Need referrals?

Consider joining the Find Maroondah Network group.

MACCHIATO

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

CAPPUCCINO

editor@findmaroondah.com.au

*Available until your category is takenWE'R when a Tradie joins the Find Network Team.

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

INDEX PROFESSIONAL SERVICES

▪

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▪

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• Coffee Machine Machine -- 62 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

DELIVERY & INSTALLATION

SHORT BLACK MACCHIATO

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

•

State-of-the-art Swiss technology

•

OUR OFFER IS UNBEATABLE! Sleek design that fits the modern office ▪ State-of-the-art Swiss technology

•

▪ Sleek design that fits the modern office Grinds fresh beans for each cup, no powders

•

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

WE'R

▪

LONG BLACK CAPPUCCINO ....and many more!

E SO CONFIDENT YOU’LL LOVE IT, LATTE

Grinds fresh beans for each cup, no powders

FLAT WHITE

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DELIVERY & INSTALLATION

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

SHORT BLACK

LONG BLACK ....and many more!

MORE THAN JUST ESPRESSO

HOME & GARDEN

PAGES

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

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

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

ADVERTISE HERE

MARCH 2022 | FIND MAROONDAH

63

HEALTH & BEAUTY

PAGES

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

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmaroondah.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 64 • Swen Pouches ---------------------- 51 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

Contact Us

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

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

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

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

PAGES

HEALTH & BEAUTY

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

MARCH 2022 | FIND MAROONDAH

65

SPORTS

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

SPORTS

Norwood Function Room Parade

Incredible Journeys | International Women’s Day The Norwood Football Club would like to invite you to join us for another evening in our Incredible Journeys Series as we celebrate International Women’s Day. Celebrating achievements, raising awareness & smashing stereotypes. We are delighted to have Ali Clarke to talk with our special guests Sam Boag, Triathlete & Marathon runner, Rachael Sporn OAM, Basketball player & triple Olympian, and Isabella Vincent, Paralympic swimmer.

EVENTS 12 MARCH 2022, 4:40PM

LEAGUE | Trial Game 2 - West Adelaide vs Norwood HISENSE STADIUM 18 MARCH 2022, DEVELOPMENT LEAGUE: 6:15PM / LEAGUE: 8:00PM

Hostplus SANLW Round 6 COOPERS STADIUM 19 MARCH 2022, 12:30PM

LEAGUE | Trial Game 3 - Adelaide vs Norwood WEST LAKES 26 MARCH 2022, DEVELOPEMENT LEAGUE : 9:40 / LEAGUE : 11:30 AM

LEAGUE | Trial Game 3 - Adelaide vs Norwood COOPERS STADIUM

MARCH 2022 | FIND MAROONDAH

67

MARCH 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Maroondah

1300 88 38 30 editor@findmaroondah.com.au

Religious Groups and Churches

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

Services

Hope City Church About us

• English Sunday 10am

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

• Karen Sunday 1pm

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

• English Sunday 6pm

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

Transform Pastor - Ben Dickson

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

Community Engagement - Gitta Clayton

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

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

6 Bemboka Rd, Croydon Hills VIC 3136, Australia

lives through energetic praise and intimate worship.

Our Online Services Sunday 10am and 6pm.

51 Lusher Rd, Croydon VIC 3136

+61 39876 4503 | 0405 507 118

+61 39761 6778

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

Ringwood Church of Christ

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

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

Canterbury Gardens Community Church Our Mission Why do we exist?

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

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

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

MARCH 2022 | FIND MAROONDAH

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Religious Groups and Churches

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

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

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

FREE ADVERTISING Religious Groups and Churches

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

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

•

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

0417679682 (03) 9876 2600

Send us your: Services Times

Public Notices

Simply upload your information 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.

Birth, Deaths & Marriages MARCH 2022

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

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

MARCH 2022 | FIND MAROONDAH

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MAROONDAH

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

28 February - 28 February 2023

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

FIND CARD LOCAL OFFERS

M A S

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

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

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COMING SOON

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FIND BREKKY, BRUNCH & LUNCH Casalinga

001

66

Bedford Coffee Co.

005

66

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PAGE NO.

COMING SOON

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001 002

71 71

003 005

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001

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003

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003

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

S S

M A M A

E L P E L P

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

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

NEW OFFERS COMING

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Coffee

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

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

S

M A

S

M A

E L P E L P

Takeaway

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

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NEW OFFERS COMING

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M A

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Entertainment

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

S S

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M A

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

Non-Transfer

Valid Periods

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

Find Restaurant, Find Cafe & Find Coffee offers can be

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

used at participating businesses any time except the

including but not limited to business placing offers in

following days: *Christmas Eve *Christmas Day *Boxing

the Find Paper, printers, publishers, and distributors

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

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

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

unless expressly authorized by Find Pty. Ltd. Find

Some restaurant/Cafe/Coffe establishments will have

reserves the right to make changes to the participants

additional terms and conditions on the page where

and their offers at its sole discretion. Members will be

the business is advertising their offer).

notified of these changes via email or via the Site.

Present Find Card

The Find Coupons and its Offers are intended for the

You are required to present your Find Card at any

non-profits use of the individual purchaser of the Find

participating businesses if you wish to secure the

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

discount or goods/service being offered.

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

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

PRESENT VALID FIND CARDS

VALID

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

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

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card.

Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2022 Find© Pty Ltd.

Maroondah MARCH 2022

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