Find Maroondah - May 2023 Edition

About the Find Maroondah

By Warren Strybosch

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

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

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

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

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

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

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

We value your support, The Find Maroondah Team.

Maroondah The

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findmaroondah.com.au

PUBLISHER: Issuu Pty Ltd

POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134

ADVERTISING AND ACCOUNTS: editor@findmaroondah.com.au

GENERAL ENQUIRIES: 1300 88 38 30

EMAIL SPORT: editor@findmaroondah.com.au

WEBSITE: www.findmaroondah.com.au

OUR NEWSPAPER

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

ALL THINGS MAROONDAH

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

ACKNOWLEDGEMENT

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

DISCLAIMER

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

ADVERTISING RATES (INCLUDE GST)

Available Sizes:

• Double Page Spread

Rates:

NEXT ISSUE

Next Issue of the Find Maroondah will be published on Friday June 9, 2023. Advertising and Editorial copy closes Friday June 1, 2023.

By Warren Strybosch

Mother's Day is a special occasion that celebrates the women who have dedicated their lives to raising and nurturing their children. It's a day to recognize and appreciate the love, sacrifices, and unwavering support that mothers provide throughout our lives.

Mothers are often the backbone of the family, the ones who keep everything together through good times and bad. They are the first to wake up in the morning and the last to go to bed at night, working tirelessly to ensure their family's needs are met. They give up their own dreams and aspirations to make sure their children have every opportunity to succeed.

But Mother's Day is not just a day to celebrate biological mothers. It's a day to honor all the women who have played a motherly role in our lives. This could be a stepmother, grandmother, aunt, or any other woman who has provided love and guidance along the way.

On Mother's Day, we have the opportunity to show our appreciation for all that these women have done for us. Whether it's through a thoughtful gift, a heartfelt card, or a simple phone call,

taking the time to acknowledge and thank our mothers is a meaningful way to show our gratitude. But we shouldn't just celebrate our mothers on this one day. We should make a conscious effort to show our appreciation and love throughout the year. Whether it's by spending time together, sharing a meal, or simply saying "I love you," these small gestures can mean the world to a mother.

mothers make the world go around

In a world that can be chaotic and unpredictable, the love and support of a mother is a constant source of comfort and stability. So let's take a moment to thank the women who have made such a significant impact on our lives. Happy Mother's Day!

If you would like to have your say, then write your response to editor@ findmaroondah.com.au

What is Lead Generation and why is it important?

DIGITAL MARKETING

By Ethan Strybosch

In today's digital age, lead generation and funnels are two critical components of digital marketing that go hand in hand. Lead generation refers to the process of attracting and converting potential customers into leads, while a funnel is a visual representation of the customer journey from initial awareness to final conversion. In this article, we'll explore what lead generation and funnels are, why they're essential, and how to create an effective lead generation funnel for your business.

At the heart of lead generation is the idea of identifying and nurturing potential customers. This is critical because it allows businesses to move potential customers through the sales funnel and ultimately convert them into paying customers. There are several ways to generate leads, including content marketing, social media marketing, paid advertising, and email marketing. Each of these channels can be effective in its own right, but the key is to use a combination of channels that work best for your business.

A funnel, on the other hand, is a visual representation of the customer journey.

The funnel is designed to capture a broad audience at the top and narrow down to a specific target audience at the bottom. The funnel typically consists of four stages: awareness, interest, decision, and action. At each stage, businesses need to provide the right messaging and content to move potential customers through the funnel.

Creating an effective lead generation funnel involves several steps. The first step is to define your target audience. Understanding your target audience is critical to creating content and messaging that resonates with them. Once you've defined your target audience, the next step is to create a value offer. A value offer is an incentive that you offer to potential customers in exchange for their contact information. This could be anything from a free ebook to a free trial or consultation. The key is to create something that provides value to your target audience and encourages them to take action.

The next step in creating an effective lead generation funnel is to build a landing page. A landing page is a dedicated page that's designed to convert visitors into leads. It should be focused on a specific offer and have a clear call-toaction (CTA) that encourages visitors to provide their contact information. The landing page should be optimised for

conversion, which means that it should be easy to navigate and load quickly.

Once you've created your value offer and landing page, the next step is to drive traffic to your page. You can do this through a variety of channels, including social media, email marketing, and paid advertising. The key is to use a combination of channels that work best for your business and target audience.

Once you've captured leads, it's essential to nurture them through targeted email campaigns and other forms of communication. This will help build trust and keep your business top of mind as they move through the sales funnel. It's also essential to measure and optimise your lead generation funnel regularly. Use analytics tools to track your performance and identify areas for improvement. Test different elements of your funnel, such as your value offer, landing page, and email campaigns, to see what works best for your business.

By Warren Strybosch

An Australian Mayor, Brian Hood, elected last November to represent the Hepburn Shire region, 120km northwest of Melbourne, has fired shots over the bow of ChatGPT over claims that he has been defamed, and may proceed with a defamation case against the founders of ChatGPT.

Whilst ChatGPT was not founded by individuals in the traditional sense, it is a product of OpenAI, a research organisation focused on artificial intelligence. OpenAI was co-founded by several individuals, including Elon Musk, Sam Altman, Greg Brockman, Ilya Sutskever, John Schulman, and Wojciech Zaremba. However, Musk departed from OpenAI's board in 2018 due to conflicts of interest, and Altman stepped down from his position as CEO in 2020. Nonetheless, ChatGPT is a product of the collaborative efforts of many researchers, developers, and engineers who worked on its development and training.

Mr Hood was informed by his local constituents that ChatGPT was providing inaccurate information about Mr Hood. ChatGPT had claimed that Mr Hood served time in prison for bribery. However, it seems ChatGPT might have it slightly wrong. Mr Hood claims that ChatGPT has falsely named him as a guilty party in a foreign bribery scandal

Celebrate Reconciliation at Realm!

From the start of Reconciliation Week on 27 May until the end of NAIDOC Week on 9 July, 2023 , Realm will come alive with a range of events and exhibitions in celebration of Indigenous Australians. This will include:

• Performances by proud Mutti Mutti man, award-winning singer/songwriter Kutcha Edwards, Yeng Gali Mullum and the Eastwood Primary School Choir who will perform outside Realm in Ringwood Town Square (weather permitting) on Friday 2 June from 10am -12 noon.

• A video installation by Daen SansburySmith from Black Crow in ArtSpace at Realm titled From our Elders featuring interviews with ten Elders along with displays by Mullum Mullum Indigenous Gathering Place (MMIGP)

• A scar tree banner created by MMIGP where visitors to Realm will be invited to write their thoughts about what Reconciliation means to them on a leaf that will be added to the tree

ChatGPT May Be Sued

involving a subsidiary of the Reserve Bank of Australia in the early 2000s.

Hood did work for the subsidiary, Note Printing Australia, but was the person who notified authorities about payment of bribes to foreign officials to win currency printing contracts, and was never charged with a crime, lawyers representing him said.

If Hood sues, it would likely be the first time a person has sued the owners of ChatGPT for claims made by the automated language product which

has become wildly popular since its launch last year. Microsoft Corp (MSFT.O) integrated ChatGPT into its search engine Bing in February.

Given Mr Hood's reputation as a key official is central to his role, Mr Hood would have a strong case to argue defamation has occurred due to the inaccurate information being disseminated via the OpenAI software.

If this case proceeds it will be a landmark moment as no one has ever sued artificial intelligence before.

• A scar tree banner created by MMIGP where visitors to Realm will be invited to write their thoughts about what Reconciliation means to them on a leaf that will be added to the tree

• Wonderful books by Indigenous authors and/or celebrating Indigenous peoples and their cultures will be on display at the Realm Library.

• Children are also invited to attend events at the library where they will make a collaborative mural celebrating Reconciliation week, and learn about and make story stones

GENERAL INSURANCE

By Craig Anderson

I get regular calls from people who are in the process of starting a new business. Many are after a “ball-park” figure for insurance costs so they can flesh out a business plan and budget for outgoings. No matter how the conversation starts, the outcome is largely dependent on the quality of the information provided by the client, and this can be… to put it politely, “a little thin” at times.

To maximise your chances of getting a fair and accurate insurance quote:

Be Qualified. I can’t tell you how many times people have been unaware of the qualifications, licenses, registrations, or tickets which are essential not only to do the job they plan to do, but to convince the insurer they are a “good risk”. This is particularly the case if we are trying to get you Professional Indemnity cover. Best to do your research before telling the boss you’re leaving. We can’t insure the uninsurable.

Clearly Define your Activities. If you describe yourself as a “glazier” but forget to tell us you are abseiling from the 40th floor to replace windows in a multi-storey office block, the insurer will incorrectly rate you and will decline any claims. Remember to describe and disclose your activities properly. We can’t provide accurate quotes without a correct description. An inaccurate quote could lead a worthless policy if care is not taken at this stage.

Tell Us About Future Plans. The selection of insurers may depend on whether they can accommodate all of the required cover sections. A Business Pack PL (Public Liability) Policy may be more appropriate than a stand-alone PL policy if—in a couple of months—you might need to add contents, business interruption, and machinery breakdown cover sections for example. You may need a stand-alone PL Policy if your activity is “non-preferred” by Business Pack Policy Insurers. Your broker might have to place you with a specialty underwriter who understands that specific occupation. It’s better to know from the start what you plan on doing later, so a flexible insurance programme can be put in place.

Provide Correct

ABN and Trading

Name. One fellow—insured with a direct insurer—had insured another company (not his own) with similar spelling for 6 years before realising that it was wrong from the very beginning. Details do matter. Double check this, otherwise you

Planning to start a business?

may take out an entirely worthless policy when you go ahead. Again, facts have to be right from the beginning.

Consider Advice. We understand no one has an unlimited budget, but don’t cut corners that may put you out of business before you’re off the ground. For example, If you handle and store people’s details like phone numbers, names and addresses, you need cyber protection for yourself. If employing people, you may need Management Liability Insurance, if you give advice, you may need Professional Indemnity and so on. Take the time to familiarise yourself with the risks, so you aren’t taken by surprise, and so you can write a realistic budget. Deciding in advance you need the “bare minimum” may be a costly financial error.

Read All of the Paperwork. When we ask you to read through and confirm the details are correct, you must check! Once a quote turns into a policy, this is a legal contract between you and the insurer. If you fail to read it, and later have an issue caused by a failure to correct your answers, it’s too late once a claim has occurred. Read the Schedule and read the PDS. Ask your broker questions, as the answers could make a big difference to the cover selected, and to how you manage risk within your business.

Be Patient. Often insurers and their underwriters are overwhelmed with the volume of inquiry, so be prepared to wait for a quality answer to come back. Speed doesn’t always equate to efficiency or deliver accuracy. Not everything can be done using online quoting tools, and this is particularly the case for complex risks. So perhaps start your research well before you quit your job to allow ample time to get it right.

You can thank me later.

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

Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice,you should consider its appropriateness (having regard to your objectives,needs and financial situation).

SERGEANT WILLIAM HENRY KIFT

By Elwynne Kift

1. GROWING UP (1894 - 1915) My late father-in-law’s life journey began on the 8th of June 1894, at a small seaside village named Ilfracombe, in Devon England. He came to Australia at the age of 16 years on a Church of England scheme to be billeted on a farm doing “farm hand “duties at Balnarring, near Somers Victoria. The name of the farm was “Warrawee” which still stands today ... It was a coach stop and had stables for the horses as well. There was a Post Office there... at one stage. William Henry loved his time there and was really part of the family- becoming very friendly with the Berryman daughters. (One of whom he married after returning from the WW1 war.)

2.

ENLISTMENT AND WW1 (1915 - 1919)

William enlisted at Traralgon on the 13th of January 1915., and embarked Melbourne for the Middle East as a reinforcement group for the 4th Light Horse Regiment,4th Light Horse Brigade on the Royal Ship “Persia” on the 10th of August 1915. He disembarked in Egypt to camp “Heliopolis “. and was sent to Operations Gallipoli with the 4th Light Horse Regiment in October 1915. From there to El Kebir, Dec 1915., followed by Sinai, and Palestine, including the Charge of Beersheba. Oct. 1917, He embarked per transport “Berrima” 15th January 1919. - Suez. - To home. He was discharged medically on 25th May. 1919. Excerpts from my father in law’s personal diary are:

On Monday August 3rd he wrote “Sick of ordinary drill usual routine., so he is going to learn signaling ... --Most of the lads take a very keen interest in it” The next day they heard rumours of going away. On the 10th...-- Hope it is right... On Saturday the 8th he was allowed to go to Elsternwick to visit friends and went to a “picture show “at night. The following day he went back to camp at Seymour. with his “girlfriend” (future wife.) He wrote that on the Monday he was packing up to leave feeling quite excited. They left Melbourne pier at 3 p.m. --” SAID AU-REVOIR” and left. He states that the “Lads sang --- Goodbye Melbourne Town “That night it was his first experience in a hammock on a ship. He quite proudly states that the sea was rough, and a lot of the lads were sick, but not me!! and he was enjoying his food which was

very good so far. My father-in-law had a sense of humour and writes that the sea must know that it is the Sabbath, because it is much calmer. They had a Church Service at 10-30 a.m., (as was the practice on Sundays.) and he enjoyed writing 6 letters to be posted at Fremantle when they got there. They stayed at Fremantle overnight, and he reports that when the ship was 50 miles out, the sea became very rough. They passed a steamer going to Fremantle --- Goodbye Aussie –he states. (So, in 1914 they were calling it Aussie.!)

They had fire and boat drills on the way to the tropics...-- and had a concert on board on the 20th of August – even though the sea was rough... But William enjoyed it... He always enjoyed a good “sing-along” and loved his music. They experienced the tropical weather, and one night he was sleeping on deck, and got flooded out, so had to go underneath. They commenced to have parades from here on, with full equipment and even a rifle drill. - on board a boat! On the 25th of August he wrote that it was very hot, and he wished that he was ADAM to wear only a fig leaf! At 4p.m. They crossed the line- presumably the Equator, and the usual practice of “dipping” was gone through with great success.” Got his annual “dip” but feelings still dry ...” No beer on board- worse luck” They arrived in Colombo on 26th August. They were given a musical reception by the Indian military. He says that the coconut plantations were a sight for sore eyes. On Monday 30th August he tells us that it was extremely hot. & they had to do full dress drill and he reckoned that he'll be a grease spot by Egypt. They had quite a few concerts, and drills in the coming weeks and even caught up with some lads off other ships. The sense of humour comes up again, because he says that after arriving from Suez, and getting on the train to Heliopolis- (a suburb of Cairo)!!

they had some tea and went to “Bye Bye” …. The boys were allowed a holiday the next day, and he travelled to Cairo, and was so impressed with the electric train “That it seemed that a country which still adheres to very ancient methods of cultivation etc. should possess one of the first electric railways in the world.”

He was disgusted with the “native quarters “of Egyptian peasants in Cairo, and said that they were a disgrace, squalid, and corruptible surroundings. They loaded their horses fodder and looked forward to receiving their horses a couple of days later. So that they were to adjust to horses, exercise them, & groom them. He reports that wounded men were being looked after in the hospital at the Heliopolis Palace- a most palatial place. He said that he spent a couple of days in hospital sick and talked to the blokes who had been at Gallipoli, but still felt cheerful, and felt that if more men would be available the peninsular would

be ours. He also told that he visited Cairo after coming out of hospital and saw some back streets of Cairo...--- “Immorality everywhere.”. He visited the “Sphinx” and Pyramids and the Tombs of the Kings and Queens of Egypt. - He referred to them as a most marvelous piece of engineering. They were allowed to visit Cairo again but were warned to be ready at a moment’s notice to move. They visited the Egyptian Bazaars. They left the next morning for El Kebir. Thousands of troops were there. They embarked on the “Kalyan “for Lemnos Island and were not allowed lights after dark.

Boarded the gun boat “Partridge” for Gallipoli on the 23. /10/1915. They climbed the beach to deliver water to firing line ... The name of their trench was “Tasman's Post. “The very next day he wrote that they received their baptism of the firing line. Heavy shelling followed the next few days. Not only did they have to go into trenches, but they had to dig them also, and carry water to their other lads. He writes that one lad had an “incident” and started stabbing someone else’s coat in the night, but when they composed him, they laughed it off... ((Would be different today, and he would have therapeutic help) The very next day whilst William was asleep in his dug out, he writes” that a Turkish bomb came in to keep him company.” It buried itself in the ground near my head and a piece of stone or something hit me over the eye causing a SLIGHT wound and giving me a nice black eye. If the bomb had exploded it could have been the end of Poor Old Bill, “But thank God it did not.” A few days later he wrote that the SCRATC H was healing up., and he was on guard at the tunnel.

And he writes of the “TURKS” SLINGING A FEW BITS OF IRON ABOUT. He says that snow was on the ground, and it was extremely cold, and a “fellow can’t sleep” Left a few days for Lemnos Island and came across a cousin.!! They had to load a lot of food- bread, cheese, and Tin Billy’s “from Aussy ... here. Was so tired he forgot to salute a general and got roused up a treat.! They embarked on the “Caledonian” and had no idea where they were going to. They had Christmas Day on the water, and he remarked that they had NO PLUM PUDDING!! It must have been important to him! Another train trip to Heliopolis. after landing, & then to the lines where the horses were... He remarks that he got a “goody”! From the 28th they trained and got their saddlery and riding gear... (I still have his leather leggings.) They trained here and were with a large number of troops.the horses participated in the sport, and he very proudly states that their regiment

had a good reputation for winning. In January 1917, they were made into a brigade., and they trekked through the desert calling and camping on many old battle fields finally reaching the front line in Palestine. They camped at Rafa. on the border of Sinai and Palestine. They experienced some German Bombs from aero planes here. They moved to a village named Khan Yunus and went inland from there to Tel-el-Tara which was the operating base for the Cavalry. A few weeks there and then back through Khan Yunnus where they spent a fortnight swimming the horses daily. Early in May 1917 they did a forced march of about 30 miles one night. with the object of helping the Anzac division and camel corps. The units had moved out to the south of Beersheba. They had the job of blowing up the 18 miles railway from Beersheba to Sinai. Their unit were to distract the Turks whilst the other party blew up the rail line. It proved a success. William was on signaling duty following Beersheba. They met up with their horses again, and he explains how the roads were slush, and sometimes up to the horses’ knees. They were able to get to the beach area and swim the horses themselves. Later they travelled through Gaza which he explains that an immense sacrifice was made trying to capture the Turkish strong hold. They proceeded to Desi El Belah where they were for 2-3 months. Following this, they went to a village near Jaffa - called Selmieh and hence to the Jordan Valley He says that the steep hill, when looking back showed the line of horses zig zagging down the hill from Jerusalem like a giant snake... Very hard to ride in those conditions, and brilliant horses managed it. They passed through here mid-April. 1918. The brigade proceeded to Jericho -1000 feet below sea level. The hills were destitute of vegetation. They He was sent to hospital and then to Cairo. He returned to the Unit again on the 29th of July, where he started feeling sick again. In a few days’ time. ... Sent to hospital after 2 weeks. ... and was there until the end of October. (3 months.) He once more returned to work in the signal’s office

in Moascar Had to return to hospital again, and there over Christmas Day... The nurses keep all patients happy and fed. In January 1919 he returned to duty at Signal Headquarters, but he was told that he was going to be sent back to Aussy. He hopes he will get through. About a week later, he refers to the fact“: Dinkum oil “at last.

3. HOMECOMING He left Ismailia per hospital train and arrived at Suez and embarked on the hospital ship”Berrima “ where there were a shipfull of men from France.. He tells of a Chruch service on the boat on Sunday. They berthed at Colombo on the return voyage. He disembarked to the “Hygeia “– along with others saying he was quivering with excitement as they were nearing Port Melbourne pier. The Band played them in ...-- Playing “Home once more.”. The final words in his diary are... I must call it home, for I like it so much... William married Elsie Berryman and they had 4 children Elizabeth (Bette), Ken, Jean, and John. William’s career was at the Law Courts, -Melbourne, - Wonthaggi, and at Sale. ...

4. ENLISTING FOR A SECOND TIME When World War 2 broke out, he registered for service again, and was in the 13 Volunteer Defence Corps at Sale... The family home at Foster Street Sale was home to many airmen who visited for a meal and were extended the family “contact” evenings of laughter and song.

5. AFTER THE WARS William did not talk of his experiences at war to his family, and it was only when his diary was found that we all were able to understand. He died at 59 years of age... his youngest child being 15 years of age.

WHAT CAN YOU DO TO MINIMISE THE IMPACT OF HOME LOAN INTEREST RATE RISES?

MORTGAGE BROKERING

By Reece Droscher

The rise in the inflation rate to over 7% in the latest update has meant the Reserve Bank has again raised the cash rate this month to 3.85%. Since last May mortgage holders have seen 11 increases to their Home Loan rates. For some homeowners this has resulted in their loan repayments increasing by over $1,500 per month , so what can you do to minimise the impact of these changes?

1. REVIEW YOUR CURRENT HOME LOAN

As a mortgage broker I regularly come across people who have had a Home Loan with the same lender for five years or more. They have simply been paying the required repayment without ever thinking about what the current interest rate is, the fees that are being charged and what other lenders may be offering. In the current environment it is a mistake to assume that your current Home Loan is providing you with the best value. By having your loan reviewed a Mortgage Broker may be able to present products from lenders offering lower interest rates than you are paying currently. This could potentially save you thousands on interest costs or help you pay your loan off sooner.

Another benefit of having a review is to ensure the type of loan you have remains the most suitable to meet your current needs. Offset, redraw, the ability to make extra repayments or switching your rate between fixed and variable rates are all options your Mortgage Broker can review for you.

2. CONSOLIDATE MORE EXPENSIVE PERSONAL LOANS AND CREDIT CARDS

You may also have some smaller debts, such as credit cards or personal loans, that are charging higher interest rates but could be consolidated into your Home Loan. This could help repay these debts sooner by reducing the costs of these debts but would also simplify your finances, reducing the number of loans and repayments being made to multiple lenders.

3. NEGOTIATE A BETTER DEAL WITH YOUR CURRENT LENDER

Even without refinancing your Home Loan to another lender, your Mortgage Broker may be able to negotiate a better deal with your current lender. It costs a lender a lot more to attract new borrowers than to keep their existing customers, which is why they invest a lot of money in business retention teams. By

looking at what competitors are offering your Broker can use this information to leverage a lower rate with your existing lender.

It is also important to note that a mortgage broker is required to act in their client’s best interest by law, which is different to the requirement on a lender when you deal with them directly. That is why the best person to review your Home Loan is your local Mortgage Broker. At SHL Finance we are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save our clients thousands of dollars. We would love the opportunity to help you too.

Please call Reece Droscher on 0478 021 757 to discuss your options. reece@shlfinance.com.au

www.shlfinance.com.au

By Peter Horton

The Ringwood Bowls Club would like to thank the many people who continue to request information on how they can become a member of our Club.

Here are the 2 classifications that are currently available at the RBC.

1) Full membership for people who would like to join the Club and in line with their past bowling experience be ready to play when the next pennant bowling season kicks off.

2) Social membership. The RBC provides membership opportunities on two fronts:

Social membership for people who would like to try their hand at bowling with the RBC providing both the equipment and specialised coaching. Your bowling career would start with social bowling held every Wednesday afternoon and during winter every Saturday afternoon. Social members can visit the club at any time and are welcome to join in social activities organised by the club.

If you are simply looking to join a Club then the RBC could be what you are looking for. Your reason for joining would not necessarily be aligned to any desire to play bowls. You may be looking to meet new people, make new friends and enjoy the companionship of other members of the RBC.

barefoot bowls

The RBC offers its social members a venue where you can meet, have a cuppa and make new friends. Many of our social activities offer you the opportunity to bring your family and friends along, have a meal at the club, purchase your drinks at reduced prices and above all have some fun.

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

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

Send your email including name, address and contact details to: clubsec@ringwoodbowls.com.au

The door is open for you to join the RBC.

By Adrian Hunter

The Australian Taxation Office (ATO) has over $66 billion in uncollected taxation revenue that has been accumulating over many years. Of this amount, the ATO believes $44.8 billion is collectable, with 65% owed by SME businesses. The collectable debt amount has grown by over $18 billion in the last three years.

In 2022 the ATO restarted its debt recovery activity and wrote to approximately 30,000 businesses and 52,000 directors with Director Penalty warning notices advising that they may be facing personal liability for the debts of their company. As of 30 June 2022, these warning notices achieved a recovery of $2.21 billion, with a further 13,000 taxpayers entering into repayment programs.

During 2022 almost 18,500 directors become personally liable for the tax debts of their companies via Director Penalty Notices (DPNs) being issued. The ATO also disclosed nearly 500 businesses to credit reporting agencies as part of its Disclosure of Business Tax Debt program.

We anticipate that during 2023 the ATO will take firmer action to recover tax debts leading to an increase in both DPNs being issued and company liquidations.

When dealing with the ATO, proactivity has always been the mantra recommended by Brooke Bird. Those taxpayers who actively engage with the ATO are more likely to be rewarded with additional time to resolve their tax debt issues than those businesses which adopt a "wait and see" approach or ignore the debt.

Understanding options as ATO action is set to increase

For businesses that are unable to repay their debt in full they will need to look at one of the many insolvency options available to them. For eligible SME businesses these options can provide for the ongoing trade of the company with a compromise put to creditors through a Small Business Restructure program, which are looked upon favourably by the ATO when dealing with businesses that have a viable operation. In assessing the viability of a business many factors need to be considered, including the mental health of the directors.

At Brooke Bird (www.brookebird.com. au), we regularly meet with individuals and business owners dealing with a wide variety of financially stressful situations. Each meeting has its unique set of circumstances that requires time spent to map out the various possible options available. The solutions to resolving financial distress can be complex, so we encourage individuals and business owners to make contact with us at the earliest opportunity so that their businesses have the best chance of survival.

NATUROPATH

By Kathryn Messenger

Whilst bowel movements may not be the most lovely topic, they can tell you a lot about your health.

As a naturopath, the digestive system is very important. After all, it is where both the nutrients from food is absorbed and where the majority of waste products and toxins are eliminated. Your stool and how often you pass one gives a good indication of the state of your lower digestive tract (colon).

The problem with constipation

If the body’s waste products and toxins are not eliminated efficiently and are left sitting in the colon, they can be reabsorbed into the body. This can cause a feeling of bloating or fullness and contribute to a number of health issues. These substances include both toxins that have been taken into the body, as well as hormones that are no longer required, and these become reabsorbed creating an imbalance. This can lead to skin issues, hormonal dysregulation, period pain, and reduced immune function. Additionally, the combination of hard stools with straining can cause haemorrhoids or anal cracks.

What is the ideal stool?

Generally, it should look like a sausage, ranging from solid with slight cracks, through to soft with well-defined edges. Medically, constipation is determined as less than 3 bowel movements per week, although this is much less than what is ideal. For optimal health, you should pass 1 -2 bowel movements per day, with little urgency, little to no straining, and a sensation of complete evacuation.

How to improve bowel movements

Water

Firstly, drink lots of water: 1.5L-2L/day. If you like some fizz, drink some soda water, or if you don’t like the taste of water add some lemon juice or mint leaves for flavour. As the weather gets colder, herbal teas are a great way to increase your water intake.

Increase dietary fibre

If you don’t eat a lot of vegetables, this is the best place to start when increasing fibre. Think of ways you can add more vegetables to the meals you already eat. Secondly, if you eat a lot of white flour

The importance of staying regular

products such as white bread, pastries, or cakes, switch to a wholemeal flour, and replace your sweet treats with fruit. You can add soluble fibre to your diet, by including ground flaxseed, oat bran, psyllium husk, slippery elm powder, and pectin.

Support the bowel microbiome

The beneficial bacteria in your colon feed on vegetable fibre. The best way to improve the balance of gut bacteria is to eat a wide variety of fruit and vegetables, covering all the colours of the rainbow. Fermented foods can be a great addition to improve your bowel microbiome. These foods include yogurt, kefir, kombucha, sauerkraut, miso soup, and kimchi.

Exercise

Daily exercise such as walking can help to stimulate the bowels; aim to move your body daily.

When nothing is moving

For extra support, try chamomile tea, bitter green leafy vegetables or prunes to stimulate bowel movement. When all else fails, herbal laxatives are much more gentle than conventional ones, you can get these at a health food shop or from a naturopath.

Whole Naturopathy can help provide you with natural products and dietary advice to keep your bowels moving regularly as well as treating any issues that may arise as a result of constipation.

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

Kathryn Messenger

BHSc (Naturopathy)

kathryn@wholenaturopathy.com.au

Suite 1, 24/1880 Ferntree Gully Rd

Mountain Gate Shopping Centre

Ferntree Gully, Victoria

THIS IS A HUGELY PERSONAL POST and if women’s menstruation makes you feel uncomfortable,

STOP READING NOW !!

Last week my beautiful 19-year-old daughter underwent a 5-hour Surgery for Endometriosis

After 4 long years, she will finally be able to live a life FREE of pain.

Endometriosis is a chronic condition, which can be debilitating, and is likely to get worse over time without management or treatment.

1 in 9 Australian women are confirmed as having the disease, though it is suspected many more are living with this “silent cancer” which takes, on average, 7 years for women to be diagnosed.

WHAT IS ENDOMETRIOSIS

Endometriosis is a disease in which tissue, similar to the lining of the uterus, grows outside the uterus. It can cause severe pain in the pelvis and make it harder to get pregnant. Endometriosis can start at a person's first menstrual period and last until menopause.

Symptoms of endometriosis include:

Period Pain, Ovulation Pain, and Pelvic Pain

Infertility

Pain during or after sex

Pain when using your bladder or bowels (usually during your period)

Heavy vaginal bleeding, irregular bleeding, bleeding for longer than normal

Blood in your stool or urine

Mental health problems (such as anxiety and depression)

Nausea and vomiting

My daughter experienced over half these symptoms.

Countless visits to the GP, numerous CT Scans, MRIs and the like (especially traumatic during COVID19 lockdowns) all resulted in the same medical advice: “suck it up buttercup, its just your period, go home and take a couple of Panadol”

Then HALLELUJAH I speak with a couple of colleagues last month who recommended the amazing Dr Simon Gordon, Melbourne’s leading Specialist.

I CANNOT TELL YOU in words the heavy weight that has now been lifted. Thank you both SO MUCH

Here’s to life !! Endometriosis sucks

If you suspect you, your daughter, or any other woman you know and love to have the dreadful, incurable disease - try this quiz https://epworth.org.au/who-weare/our-services/endometriosis-centre/ endometriosis-awareness-month#quiz

Essential Requirements for a Compliant Tender Application

OCCUPATIONAL

By Mark Felton

HEALTH & SAFETY

When applying for a tender, it is often necessary to ensure Workplace Health and Safety (WHS) documents are submitted as part of the application process. Failure to provide the required documents can sometimes result in disqualification or non-compliance with regulations.

The following WHS documents will often be required to be submitted when applying for a tender:

1: Safety Management Plan (SMP)

Your SMP should outline how you intend to manage health and safety considerations throughout the project, including identifying and controlling hazards and implementing safety measures.

2: Risk Management Plan

Your Risk Management plan will identify the risks associated with the project and outline how you will be managing them.

3: Safe Work Method Statements (SWMS)

Your SWMS outline the safety measures to be taken during specific work activities and the procedures for carrying out those activities safely.

4: Training and Competency Records

These record the training and

competency of workers involved in the project, and are provided to demonstrate that the workers have the necessary skills and knowledge to carry out their work safely.

5: Health Surveillance Records

Records of health surveillance must be provided for workers engaged in hazardous work to ensure that their health is monitored and not negatively impacted by their involvement in the project.

6: Work Health and Safety (WHS) Management Systems

This document outlines the tenderer's policies and procedures for managing health and safety in the workplace, including risk management, incident reporting, and training.

7: Hazard and Risk Assessment

This assessment identifies and evaluates hazards and risks associated with the project and outlines the measures to be taken to control them.

8: Incident Management Plan

This plan outlines the procedures to be followed in the event of an incident, including reporting, investigation, and corrective actions.

9: Personal Protective Equipment (PPE) Registers

Registers of PPE issued to workers must be provided to demonstrate that workers are provided with the protective equipment required to carry out their work safely.

10: Plant and Equipment Maintenance Records

Records of maintenance and inspection of plant and equipment used in the project must be provided to demonstrate that they are safe and fit for use.

The above is offered as a guide to ensure that your tender application is compliant and meets all the necessary WHS regulations. We assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation in order to ensure that their tender application are professional and compliant. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com. au for an obligation and cost-free initial discussion.

Mark Felton

ACCOUNTANT

By Warren Strybosch

The ATO is increasing its data matching program to now include residential investment property loans. The ATO will be specifically looking at account details, balances, commencement and end dates, as well as transaction details and property addresses.

The ATO has advised that it will acquire residential investment property loan data from authorised financial institutions under a data-matching program for 2021-22 through to 2025-26.

We anticipate the ATO will be reviewing the data to make sure no personal transactions had taken place and to confirm the whole loan is related to the investment property. If the ATO finds transactions are personal in nature and this has resulted in the loan being greater than what it should have otherwise been if the debt only related to the investment property e.g., the investment loan has been increased as some funds were used to renovate their owners principal residence, the ATO could potentially treat the whole

residential investment

PROPERTY LOANS UNDER ATO RADAR

loan as a personal in nature, deny the interest being claimed as a deduction, and/or claw back previous interest that has been already claimed in past returns.

It is really important when purchasing investments and where a loan is involved, to make sure the investment loan is kept separate to any and all personal loans and to not increase the

CONGRATULATIONS!

STRYBOSCH

Find Group

on winning the Holistic Adviser of the Year again at the

2022.

NATURE

By Kayte Kitchen

This is the fifth of five publications where we have been running a series of sensory experiences in nature.

Each experience will take about 10 mins and you are encouraged to read through the instructions before you commence your time in nature to maximise your experience.

Find a spot outside where you can sit or lie down comfortably. This could be in your backyard, your local reserve or in a national park. You may like the familiarity of the same place you have practised before or you may like to try somewhere new.

Take a few moments to regulate your breathing and settle into your position. For this breathing exercise, we will follow a pattern of 4 counts in, holding for 7 and then exhaling for 8.

Follow this pattern, allow it to take all of your focus and to help you unwind. Repeat for a few minutes.

Allow your breathing to find its natural rhythm once more.

For the next 5 mins we are going to practise tuning into all of our senses while we do a slow walk. You may only move a few metres within the 5 mins, the point of the exercise being to tune in to your senses of sight, smell, hearing and feeling as you go. Draw your attention to the details, get in close to nature, take time to experience the full experience of each moment.

You are trying to slow down your senses, slow down your experience. Try not to allow distractions to come into your mind, be fully present to the experience. If you do get distracted, don’t stop, just

VOLUNTEER IN YOUR COMMUNITY

tune back in and continue.

When you choose to complete your experience, you may wish to take a moment of gratitude for nature and for the experience you have just had.

KayteKitchen

isthefounderofAdmirariNatureTherapywhoprovidenatureexperiencesfor schools, business and individuals. For more information visit admirari.com.au

Volunteering Expo 2023

Volunteer for Knox will be hosting their annual Volunteering Expo/ Family Fun Day on Sat, 13 May between 12 - 4pm at Coonara Community House. Come and say hello! We'll be chatting about volunteer opportunities available at Your Library. Click here to learn more.

Thur 18 May, 11am - 12pm, Knox Express Uniting AgeWell supports people aged 65+ to connect with their interests and community through the support of volunteers. Come along to this information session to discover how you can begin your volunteering journey. Click here for more information and bookings.

NDIS Connection Desk

Join the team from Latrobe Community Health Service at Your Library to learn about the NDIS. If you need to find out about getting access, have questions about a current plan, or just want general information, come and have a chat. The Click here to view dates and times. Bookings not required.

Turning into our senses is an important way to disconnect from the fast pace of modern life.

Uniting AgeWell Social Connections ProgramIntroduction for potential volunteers

Why Longevity Risk is vital for Retirees

FINANCIAL PLANNER

By Erryn Langley

Longevity risk refers to the potential financial risk arising from individuals living longer than expected. Longevity risk can impact individuals who have not adequately planned for retirement and find themselves living longer than expected without sufficient savings or income. Mitigating longevity risk typically involves taking steps to accurately forecast life expectancy and adjusting financial planning accordingly.

A startling analysis by the Australian Taxation Office (ATO) conveyed to the Government as part of a key consultation around the objective of superannuation pointed out just how many people are outliving their superannuation balances.

The study found that around 35% of those aged over 75 and 58% aged between 65-74 (2019-20) have superannuation.

Where death benefits are concerned, the HILDA data showed that 80 per cent

of people aged 60 and over, who died between 2014 to 2018, had no super in the period up to four years before their death. For those aged 80 and over, 90% had no super in the four-year period before their death.

The Household, Income and Labour Dynamics in Australia (HILDA) Survey is a household-based panel study that collects valuable information about economic and personal well-being, labour market dynamics and family life.

(Source: https://melbourneinstitute. unimelb.edu.au/hilda)

The above data shows that most retirees do not have any superannuation monies left at time of death and therefore it is arguable that introducing a $3m concessional cap on superannuation is not something the government needs to introduce in the May budget.

The Government’s argument is that many retirees do not use their superannuation funds in retirement and they should reduce the tax concessions on superannuation balances over $3 million.

Retirees should seek professional advice incorporating longevity risk to ensure they have sufficient retirement funds in place to see them through to life expectancy.

Erryn Langley

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

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

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

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

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

LACTATION CONSULTANT

By Dr. Joanna Strybosch

Breast milk is known to be the most nutritious and complete food for infants. It provides all the essential nutrients required for a baby's growth and development, and it also contains antibodies that help protect babies from infections and illnesses. However, in some cases, babies may have difficulty swallowing breast milk due to various medical conditions or developmental delays. In such cases, thickening breast milk with a thickener can be beneficial.

A thickener is a substance that is added to breast milk to increase its viscosity, making it easier for infants to swallow. It is commonly used for infants with reflux or swallowing difficulties, such as premature infants, those with neurological impairments, or those with cleft palate or other structural abnormalities.

Thickening breast milk can also help reduce the risk of aspiration, a condition in which liquids or food are inhaled into the lungs instead of going down the esophagus and into the stomach.

Aspiration can lead to serious respiratory problems, such as pneumonia or lung infections. Thickened breast milk can also help reduce regurgitation and spitting up, which are common in infants with reflux.

There are different types of thickeners that can be used in breast milk, including rice cereal, oatmeal, and commercial

Thickeners In Breastmilk

thickeners. Rice cereal and oatmeal are natural thickeners that can be added to breast milk, but they may alter the taste and nutritional composition of breast milk.

Commercial thickeners,on the other hand, are specially designed for infants and are often made with rice starch or other foodgrade thickeners that do not affect the taste or nutritional value of breast milk.

Thickening breast milk can be done by adding the thickener to the breast milk using a bottle or a syringe. The mixture should be stirred or shaken well to ensure even distribution of the thickener. It is important to note that thickened breast milk may require a larger nipple or a specialized feeding system to ensure that the infant can swallow the milk easily.

Cyber safety checklist for small business owners

As a small business owner, protecting your systems from cyber security threats is essential. There are some simple things you can do to keep your business and client data safe from cybercriminals.

Here are our top 5 tips to keep your data safe:

1. Install all software and app updates. Using an outdated version of software can leave the door open for cybercriminals to access your devices.

2. Turn on automatic updates. This can reduce the risk of missing out on important updates. And it takes the stress out of remembering to

manually update your devices.

3. Use multi-factor authentication (MFA) where possible. MFA combines 2 or more security measures such as a fingerprint, password or physical token to protect your accounts.

4. Use strong passphrases that are difficult to guess. Long, unpredictable and unique phrases are difficult for cybercriminals to crack.

5. Teach yourself and your staff how to prevent, recognise and report cyber incidents. The Australian Cyber Security CentreExternal Link has fantastic resources that

by Kelly Sikkema via Unspalshed

Before using a thickener in breast milk, it is important to consult with a lactation or healthcare provider to determine the appropriate type and amount of thickener to use. Over-thickening breast milk can increase the risk of dehydration or constipation, and under-thickening breast milk may not provide enough support for swallowing difficulties.

explain how to put cyber safety measures in place.

Check out our other top cyber security tips for businesses for more ways to secure your devices.

Cyber safety checklist for small business owners | Australian Taxation Office (ato. gov.au)

FEDERAL BUDGET SUMMARY MAY 2023

INTRODUCTION

On the evening of 9 May 2023, the Government delivered its second Budget in the current parliamentary term.

Inflationary pressures, interest rates and escalating costs of living have all had a significant impact on the lives of everyday Australians. The Budget needs to deliver the right balance of spending and savings.

This year’s Budget has a strong emphasis on providing cost of living relief, strengthening Medicare, and investing in a stronger and more secure economy. There were very few surprises and most of the significant announcements had been made prior to the Budget being released.

Importantly, it goes without saying the measures announced in the Budget are not a fait accompli. They will be subject to the successful passage of relevant legislation.

Better targeted super concessions

This simply repeats the release made on 28 February 2023 when the Government announced plans to proportionately increase the tax on a person’s total superannuation balance that exceeds $3 million by an additional 15%. The Budget announcement does not depart from the initial proposal despite the measure having been open for public consultation between 31 March and 17 April 2023.

This measure will not apply until 1 July 2025 and is only expected to affect 80,000 individuals, at least in the early stages. However, this is expected to increase as the $3 million threshold is not indexed.

This measure will also extend to members of defined benefit superannuation schemes.

Importantly, most superannuation members have significantly less than $3m in superannuation and will not be affected by this proposal.

Securing Australians Superannuation Package.

THE STATE OF THE ECONOMY

Perhaps the surprise in this year’s Budget was the announcement of a surplus for the 2022-23 financial year of $4.2 billion. This is the first surplus since 2007-08 and represents significant turnaround from the projected $36.9 billion deficit forecast in the October 2022 Budget.

Real GDP growth is expected to be 1½% for 2023-24 before rising to 2¼% in 2024-25.

The unemployment rate in recent years has placed Australia in an enviable position. The currently historically low unemployment rate is expected to increase marginally in 2023-24 and 2024-25.

Much of the focus of the past year or so has been the rapid rise in the inflation rate. The Government predicts the inflation rate has now peaked and is starting to moderate. The inflation rate for 2023-24 is forecast to be 3¼% and will return to the Reserve Bank’s target band of 2-3% by 2024-25.

The big-ticket items in this year’s Budget include:

• Cost-of-living relief,

• Increased Parenting Payment (Single), JobSeeker, and Youth Allowance,

• Further investment in renewable energy

Now for a more detailed look at some of the key announcements.

SUPERANNUATION

The Budget was decidedly quiet on the superannuation front this year. The only measures of any significance were:

Employers are currently required to pay superannuation guarantee contributions for their employees by the 28th day of the month following the end of each quarter. The Budget proposes that from 1 July 2026, employers will be required to pay their employees superannuation guarantee contributions on the same day they pay their employees. This initiative will help to counter the underpayment or non-payment of superannuation guarantee contributions, which remains a significant problem.

Self manged super funds – amendments to non-arm’s length (NALI) income provisions

The provisions announced by the previous Government covering the NALI provisions as they apply to expenditure incurred by superannuation funds will be amended to provide more certainty.

In particular, the income subject NALI provisions will be limited to twice the level of a general expense. In addition, fund income subject to NALI will exclude contributions.

Perhaps what was more notable from the Budget was what wasn’t mentioned.

Pension drawdowns

For the past couple of financial years, the minimum prescribed income to be drawn from a pension account has been discounted by 50%. Discounting was due to end on 30 June 2023.

The Budget did not include any reference to the current 50% discount being extended beyond 30 June 2023. opportunity was not passed before the last Federal Election was called.

Legacy pension amnesty

In its 2021 Budget, the previous Government announced their intention to allow a two-year window (from 1 July 2022) to allow people with old-style defined benefit income stream products (e.g. lifetime, life expectancy, and market linked pensions) to exit those products without incurring tax or social security penalties. Unfortunately, legislation to implement this.

While it has been hinted the current government will revisit this proposal, the Budget was silent on this.

Transfer balance cap indexation

The general transfer balance cap is scheduled to increase to $1.9 million from 1 July 2023.

While the method of indexation is enshrined in current law, there had been some concern the Government might move to pause or limit indexation.

Again, the Budget was silent on any changes to the indexation of the general transfer balance cap, so we expect the cap to increase to $1.9 million from 1 July 2023.

INCOME TAX

Like superannuation, the Budget was very quiet on income tax, with a couple of minor exceptions.

Exempting lump sums in arrears from the Medicare Levy

This initiative, due to apply from 1 July 2024, will ensure that low-income earners don’t pay a higher Medicare Levy because of receiving an eligible lump sum payment, such as compensation for underpaid wages.

While this is worthwhile for those affected, it is expected to have minimal impact as the cost to the Budget is only $2m over the next five years.

Medicare levy low-income threshold

As occurs most years, the income thresholds applying to the Medicare Levy are to increase from 1 July 2022. The proposed thresholds are:

AGED CARE

The Government has committed to spending a total of $36 billion on the aged care sector in the 2023-24 year with a focus on increased wages for aged care workers, funding to help improve the quality of care for both home care recipients and those in residential care facilities and additional funding to implement recommendations identified in the Royal Commission into Aged Care.

Wages to increase by 15%

From 30 June 2023, it is proposed that a 15% increase to award wages will be available for many aged care workers including registered nurses, enrolled nurses, assistants in nursing, personal care workers, home care workers, recreational activity officers, and some head chefs and cooks.

Implementation of Royal Commission initiatives

Over the next 5 years, the Government will provide funding exceeding $300 million to implement recommendations from the Royal Commission into Aged Care Quality and Safety including:

• Enhancements to the Star Rating system to improve accountability and transparency of aged care providers,

• The development and implementation of a new, stronger Aged Care Regulatory Framework to support the new Age Care Act which is due to commence from 1 July 2024,

• Establishment of a national worker screening and registration scheme and the development, monitoring and enforcement of food and nutritional standards.

Improvements to care at home

Funding has been committed to improve in-home aged care by implementing a range of initiatives including the release of an additional 9,500 Home Care Packages and the design, build and implementation of the new Support at Home Program which is proposed to commence from 1 July 2025.

WELFARE

TDelivering cost-of-living relief was a key focus for the Government in this year’s budget including reduced energy bills, reduced health costs and increases to Rent Assistance for 1.1 million households.

Energy bill relief

Two initiatives have been announced to help reduce energy bills for eligible Australian households.

SMALL BUSINESS

To provide continued support to small businesses (those with an aggregate turnover of less than $10 million) the Government has announced a temporary increase in the instant asset write-off threshold to $20,000. This will apply from 1 July 2023 and will continue until 30 June 2024.

Importantly, the instant asset write-off applies per asset so small business may be able to access this opportunity on multiple occasions.

Firstly, the Commonwealth Government in conjunction with state and territory governments will provide targeted electricity bill relief of up to $500 for eligible households. The amount that will be available will depend on which state or territory you live in.

To be eligible for the bill relief, you will be the primary electricity account holder and you must also hold an eligible concession card or receive an eligible government payment in your specific state or territory.

The second initiative announced was the establishment of the Household Energy Upgrades Fund to support home upgrades that improve energy performance and save energy, therefore providing further reductions to energy bills.

Reducing out-of-pocket health costs

From 1 July 2023, a range of measures have been announced to help reduce out-of-pocket health costs including:

• Tripling incentives for doctors to provide bulk billing,

• Investing in more bulk billing Urgent Care Clinics,

• Improving access to medicines, vaccinations and related services delivered by pharmacies.

The Government also proposes to allow 2 months’ worth of certain PBS medicines to be dispensed by pharmacies from 1 September 2023.

Additional support to help combat rental affordability

With rental prices in most Australian locations increasing rapidly over the past decade, rental affordability for many, including those on Government income support and family benefits, is a major problem.

To assist, the maximum rates of the Commonwealth Rent Assistance will increase by 15%. It is projected that this will support over 1 million households including veterans, pensioners, job seekers, students and those receiving family tax benefits.

SOCIAL SECURITY

Some positive news for those receiving working age payments from Centrelink with an increase to the base rate of payment confirmed. Single parents will also be supported when eligibility rules are expanded for Parenting Payment (Single).

Payments to increase by $40 per fortnight

The Government has announced that the base rate for a range of working age payments will increase by $40 per fortnight from 20 September 2023.

Payments that will benefit from the increase include:

• JobSeeker Payment

• Youth Allowance

• Parenting Payment (Partnered)

• Austudy

• ABSTUDY

• Disability Support Pension (Youth), and

• Special Benefit.

Older JobSeekers

To recognise the barriers that older job seekers often face when looking for work such as age discrimination, the Government is expanding eligibility for the existing higher rate of JobSeeker to recipients 55 and over who have received the payment for 9 or more continuous months. This higher rate (which is $92.10 per fortnight more than the standard JobSeeker rate) is currently available to those 60 and over.

It is estimated that this change in age will help around 52,000 eligible recipients.

Eligibility to Parenting Payment for single parents expanded

From September 2023, eligible single parents, 91% of whom are women, will receive Parenting Payment (Single) until their youngest child turns 14. Currently, these parents are required to move to JobSeeker when the youngest child turns 8.

The current base rate of Parenting Payment (Single) is $922.10 per fortnight, compared to the JobSeeker Payment base rate of $745.20 per fortnight. It is hoped that the improved support for single parents will provide wellbeing benefits particularly for single mothers, who are overwhelmingly the recipients of this payment, and their children.

The release date of this document is 10 May 2023. The content of this document is of a general nature only and does not consider your personal objectives, financial situation and/or needs. Accordingly, the information should not be used, relied upon, or treated as a substitute for specific financial advice. While all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Centrepoint Alliance Limited nor its employees or agents shall be liable on any grounds whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

By Paul Osborne

(Australian Associated Press)

The federal government does not expect to meet the goal of having 24/7 nurses in all aged care residences by mid-year.

From July 1, at least one registered nurse must be on-site and on duty at all times at each residential facility.

Aged Care Minister Anika Wells said she was “hopeful” it would happen as providers were funded to meet the goal, but noted full compliance was not likely.

“We know at the moment more than 80 per cent are meeting that goal,” the minister told Sky News on Monday. “We know that another about nine per cent are very close to it, and working diligently to get there by July 1.

Target for nurses in aged care won’t be reached

“We also know there’s probably about five per cent out there, particularly in our rural and remote areas, that will not meet it.” She said workforce shortages were the key problem in rural and remote areas.

Read more

The Advisor Innovation Summit is back in 2023 with a focus on how advisers can adapt to transform and thrive in the future.

As the advice industry copes with economic uncertainty and generational shifts in wealth management, the highlyanticipated Adviser Innovation Summit is returning this year to arm advisers with the strategies they need to flourish in an ever-changing landscape.

Taking place over two days — 8 and 15 June 2023 — the summit will unpack how advice practices could revamp their business models to succeed even when the market is volatile and deliver cost-effective advice, boost efficiencies, and meet compliance requirements. The IPA conference, also over two days, will provide delegates with key

Warren Strybosch

I am excited to announce that I’ll be speaking at the Cape Schanck Hybrid Conference and 2023 Advisor Innovation Summit at The Great HallUniversity of Technology Sydney.

information to enhance their technical knowledge, understand emerging management and professional skills and discuss thought-provoking insights on professional and ethical standards.

The summit is aimed at financial advisers, fintech consultants, executives, IT and compliance managers, practice managers, product managers, and decision makers. The IPA conference is aimed at accountants or accounting technicians.

One of the industry leaders, Warren Strybosch, will be one of the speakers at this year's summit. He will be joined by other industry leaders to discuss the latest data and strategies that could help other advisors transform their practice into an accessible, compliant, well-oiled machine, and look

at the opportunities and threats unique to the financial planning industry.

Warren will also be speaking at the Institute of Public Accountant (IPA) Conference this April. He will be joined by other thought leaders in the accounting profession to discuss ethical standards in the accounting profession.

The Advisor Innovation Summit and IPA Conference will push advisers and accountants to reimagine their operational structures and find new practice efficiencies to provide quality advice.

You can read the full article about the summit here: https://www.ifa.com.au/ news/32536-adviser-innovation-summit2023-to-future-proof-advice

2023 TAX UPDATES

Working from home deduction from 1 July 2022

A Practical Compliance Guideline has been released for taxpayers who continue to work from home after 1 July 2022. Under the guideline, an individual working from home may make a simplified claim for running expenses at a rate of 67 cents per hour worked.

As per the new record-keeping requirements, from 1 March 2023, individuals must maintain an ongoing diary for the hours and days they work from home. Transitional rules on making a claim for 2022–23 income year will apply. For the 2023–24 and later income years contemporaneous records of hours and days worked from home must be kept for the entire income year.

Announcement(2-Nov-2022)

Consultation period(30-Nov-2022)

Released(16-Feb-2023)

FBT record-keeping overhaul - simplification of obligations

Proposed legislation will give the Commissioner of Taxation the power to allow companies to reduce their FBT compliance costs by utilising other corporate tax records. This initiative will also reduce the complexity of FBT compliance obligations as employers will be able to rely on other substantiation documents to finalise FBT returns.

Employers may still choose to use approved forms such as employee declarations and the prescribed forms detailing the fringe benefits provided to employees and associates if they wish. In some instances, it may benefit an employer to continue using standard FBT measures.

This measure is currently still at exposure draft stage and will require parliamentary approval. The effective start date for the change will be the first FBT year (1 April) after the bill receives royal assent.

Off-market share buy-backs - a revised tax approach

After first being announced as an integrity measure in the October 2022–23 Federal Budget, the federal government has tabled draft legislation into parliament outlining amendments to the share buy-back provisions for listed public companies. This measure, once enacted, will align the tax treatment of off-market share buy-backs and on-market share buy-backs.

An on-market buy-back generally happens if the share is listed on a stock exchange and the buy-back transition occurs through the stock exchange. Any other type of buy-back is considered an off-market buyback.

This measure will ensure that the buy-back price does not include any dividend payments (potentially frankable) when a listed public company conducts an off-market share buy-back of shares or nonshare equity interests. It will bridge the capital benefit gap created by franking credit offsets received by shareholders. This measure excludes off-market share buy-backs undertaken by private companies and companies that are listed on a stock exchange but are not widely held.

Announcement(9-Sep-2022)

Consultation(9-Sep-2022)

Introduced

Passed

Royal Assent

Date of effect

Announcement(17-Nov-2022)

Consultation(17-Nov-2022)

Introduced(16-Feb-2023)

Passed

Royal Assent

Date of effect

Commissioner’s directive - small business tax education courses now obligatory

The Commissioner of Taxation now has new powers to direct a small business taxpayer to undertake a record-keeping education course in lieu of an administrative penalty.

The new directive will be initially limited to small business owners in order to assist them in keeping up to date with tax obligations.

The individual must then provide the Commissioner with evidence of completion of the course in order to avoid financial penalty. The Commissioner will be able to issue a tax-records education direction to an entity from 1 April 2023.

Announcement(3-Aug-2022)

Consultation

Introduced(3-Aug-2022)

Passed(28-Nov-2022)

Royal Assent(12-Dec-2022)

Date of effect(12-Mar-2023)

2023 TAX UPDATES

Electric vehicle home charging expenses – compliance guideline

The ATO has released a draft practical compliance guideline to assist taxpayers with calculating electricity costs relating to charging electric vehicles at home. In response to the surge in use of electric vehicles in Australia, provision of electric vehicles to employees or associates was recently made exempt from FBT (conditions applied). From 1 April 2022 and 1 July 2022 for FBT and income tax purposes respectively, taxpayers can calculate home charging electricity expenses at 4.20 cents per kilometre. This guideline does not apply to plug-in hybrid electric vehicles which have internal combustion engines or are not considered low-emission vehicles.

Transitional rules for the 2023 FBT and 2023 income year apply.

A new Property Tax coming for NSW

The NSW state government has released details of its much anticipated revamping of NSW state taxes in the 2022–23 state budget.

From 16 January 2023, the First home buyer property tax option will enable first home buyers to choose between:

• paying an upfront stamp duty, or • an annual property tax.

Originally, the option was to replace stamp duty with the annual property tax in New South Wales. This announcement came as part of the 2020–21 NSW state budget. The property tax option will be available to first home buyers on purchases of land worth up to $1.5 million, or $800,000 in the case of vacant land. Also, if the first home buyer chooses to pay the stamp duty instead of the annual property tax, other stamp duty concessions may still be available. Transitional arrangements are also available for contracts entered into from 11 November 2022 (date of announcement) and 15 January 2023.

Announcement(31-Mar-2023) Consultation period

Announcement(17-Nov-2020) Consultation(21-Jun-2022)

Introduced(11-Oct-2022)

Passed(10-Nov-2022)

Royal Assent(11-Nov-2022)

Date of effect(16-Jan-2023)

Large superannuation balances will have tax concession removed

The federal government has announced its intention to change tax concessional treatment of very large superannuation account balances. From 1 July 2025, superannuation balances over $3 million will have earnings on that portion of the balance taxed at 30%. The 30% tax rate will be the same as the company tax rate and the individual tax bracket of $45,000 to $200,000 in that income year. This change will require legislative approval, and the legislative process is currently as consultation phase. However, members with large balances currently have 2 years to plan for its inclusion in the tax law.

Residential investment property loans - ATO’s data matching program

The ATO has announced the commencement of a data-matching program for property investors to acquire residential investment property loan data from authorised financial institutions. Sample audits conducted under the ATO random enquiry program indicate a net tax gap of $9 billion for the 2019–20 income year attributable to incorrect reporting of rental property income and expenses.

Incorrect apportioning of loan interest costs where the loan was refinanced or redrawn for private purposes has been identified as a significant driver of this gap. In addition to compliance action, the ATO will also be using the data it collects to obtain insights which will help develop and implement treatment strategies to improve voluntary compliance. This data matching program will run from 2021–22 to the 2025–26 income years.

Announced: 27-Apr-2023

Updated: 27-Apr-2023

New sporting facilities formally open

The newly refurbished Cheong Park pavilion in Croydon South and the transformed Dorset Recreation Reserve in Croydon were formally opened on Thursday 20 April.

Funded by Council in partnership with the Victorian and Australian Governments, the projects were formally opened by Mayor Cr Rob Steane, Sonja Terpstra, Member for Eastern Metropolitan Region representing the Victorian Government, and Raff Ciccione, Federal Senator for Victoria, representing the Australian Government.

Mayor of Maroondah, Councillor Rob Steane, said the improvements will benefit groups across Maroondah.

“It was fantastic to formally open improvements to Cheong Park pavilion and Dorset Recreation Reserve.

“These projects are an example of what can be achieved when all levels of Government work together, as they were funded by Council in partnership with the Victorian and Australian Governments,” Cr Steane said. “The completion of these projects will help encourage more

female participation in sports such as cricket, football and soccer, while also providing improved facilities for community groups in Maroondah.”

Cheong Park pavilion

Home to South Croydon Football Club, South Croydon Cricket Club and utilised by U3A Croydon, the improvements made to Cheong Park pavilion include upgraded façade, additional femalefriendly change rooms, umpire change rooms, game-day toilets, renovated social space and kitchen. The design ensures inclusiveness and all-abilities access.

President of the South Croydon Cricket Club, Steve Duke, said the new facilities are a welcome addition.

“The new change facilities will be great for our women players. The new kitchen area will certainly make it easier for our dinners and match day needs, and the overall refresh of the building is welcoming for everyone. “We also now have enough dedicated storage for the needs of both clubs!”

Dorset Recreation Reserve

The $9.5 million transformation of Dorset Recreation Reserve was celebrated by those who call it home, including Croydon City Soccer Club and the Eastern Burmese Ethnic Community (EBEC).

The facility boasts a large multipurpose space, kitchen and bar upstairs, with impressive views of both the synthetic and natural soccer pitch and multipurpose courts, with femalefriendly player and umpire change rooms downstairs.

President of EBEC and representative from the Karen Community, Sal Pe, said the EBEC community is “thrilled to share the space with Croydon City Soccer Club” and hopes this will “strengthen the relationship and encourage sports engagement” within the community.

“Our common goal was that we wanted this space to be a safe space. The main purpose was to provide a familyfriendly environment for the celebration of Burmese cultures and participation in sport,” Sal said.

This project was funded with $2 million from the Victorian Government and $2 million from the Australian Government.

Happy 30th birthday CRISP!

CRISP Nursery is celebrating 30 years!

In the mid-1990s, a small band of native plant enthusiasts living in Maroondah made history locally. They began a nursery that contained only seedlings propagated from plants occurring naturally in the local area.

They were the Friends of Mullum Mullum Valley, a group of volunteers who were focused on improving the Mullum Mullum Creek environment. With no indigenous plants readily available for plantings, the need to source indigenous plants for Maroondah was identified - and so, the seed of an idea was sown!

In 1993, the Community of Ringwood Indigenous Species Plant (CRISP) Nursery was established in partnership with the former City of Ringwood, now Maroondah City Council.

Mayor of Maroondah, Councillor Rob Steane, said CRISP has contributed significantly to biodiversity in Maroondah.

“It’s fantastic to see CRISP Nursery celebrating this special milestone and we are proud to have partnered with them for such a long time,” Cr Steane said. “CRISP has contributed so much to the biodiversity of Maroondah, thanks to its many volunteers, ‘Friends of’ groups and bushland helpers, whose efforts have helped to increase Maroondah’s unique local biodiversity, provide habitat for local species, and improve the amenity of our community spaces.”

Thirty years on, CRISP Nursery continues as a not-for-profit community organisation run by an ever-growing passionate group of local volunteers.

Annette and Stephanie, of CRISP Nursery, said ongoing community and Council support has been invaluable.

“We have wonderful support from our volunteers, who are involved in all aspects of the nursery management and day-to-day work.

“We have, on average, around 45 active volunteers at any given time. Plus, there are many past volunteers who regularly pop in to support the nursery.

Some volunteers have been with us for many years. In fact, some of our founding volunteers are still active with the nursery today,” they said.

“The support from Council has also been invaluable - in particular, the Bushland team, who help us source plant material and purchase plants from us, and who support the ‘Friends of’ groups and homeowners to use indigenous plants for revegetation projects to enhance local biodiversity.”

Each year, around 30,000 plantsincluding rare and hard-to-grow species - are propagated by CRISP volunteers and planted back into local parks and bushland reserves to boost remnant populations, improve amenity, and to revitalise and preserve wildlife corridors.

Thousands of these CRISP tubestock are planted annually over late autumn and winter with the help of Council’s Bushland team.

Through its countless revegetation projects with schools and communities, CRISP has also provided a space for social interaction and meaningful work, education and awareness around the importance of protecting Maroondah’s natural environment.

You can support this work and CRISP Nursery by:

• visiting the nursery and finding out about the value and importance indigenous plants have for Maroondah’s biodiversity

• purchasing some indigenous plants, as appropriate, for your home garden

• becoming a CRSIP member and accessing the range of membership benefits

• volunteering at the nursery, with one of the local ‘Friends of’ groups, or at an event at a local reserve

• Happy 30th Birthday, CRISP!

To become a CRISP Nursery volunteer or to find out how you can support the important work they do, visit www. crispnursery.org.au, call 9879 3911 or visit the nursery located at 17 Greenwood Avenue, Ringwood.

Let’s get composting, Maroondah! International Compost Awareness Week

Council is celebrating the annual International Compost Awareness Week from Sunday 7 May to Saturday 13 May.

This is a week of activities and events across Australia to raise awareness of the importance of composting and how compost is used to help build healthier soils.

Mayor of Maroondah, Councillor Rob Steane, encouraged residents to get involved.

“International Compost Awareness Week is a great way to learn about the numerous benefits of composting - for you and your garden,” Cr Steane said.

“You can also take part in upcoming events and workshops to help you get started with composting at home.”

The benefits of composting

Composting has many benefits for you and your garden all year round, such as:

• creating a rich fertiliser for your garden

• improving the yield of your homegrown fruit and vegetables

• adding important minerals, nutrients, bacteria and microorganisms back into your soil

• increasing the water retention of your soil

• getting you out in the garden more.

Composting workshop

Council is hosting a free event in May so you can learn more about the different systems available for composting your food and garden waste at home.

Compost, Worm Farm and Bokashi workshop

This session will be presented by Cultivating community and will cover the differences between 'hot' and 'cold' composting, troubleshooting tips for each system and what the differences between these three systems are and how they can each benefit your garden.

• Date: Monday 8 May

• Time: 10am to 11.30am

• Location: Glen Park Community Centre, 30 Glen Park Road, Bayswater North

Read more or book online

You can also subscribe to Council’s Waste and Sustainability newsletter for composting updates all year round.

How you can start your composting journey

Did you know Council, via Compost Revolution, offers Maroondah residents up to 60 percent off the purchase of a range of home composting systems, plus free delivery? Each Maroondah residential property is eligible for one subsidised system each year.

The systems available through Compost Revolution include:

• compost bins

• worm farms

• bokashi bins

• pet poo composters

• green cone solar composters

• composting accessories

To order a system, or for further information on the available products, including product dimensions, visit the Compost Revolution website To learn more about how to use each system, view or download our fact sheets

Maroondah Council News

Brentwood Park

Facility Type: ParkPlayground

Sitting behind East Croydon Pre-school, Brentwood Park is a large open park with a playground, picnic table and walking trail around the bushland and reserve.

The installation of football goals will be a new addition to the park in 2017. Parking can be accessed within the park off Mandowie Crescent.

Find out more

Bungalook Reserve

Facility Type: Bushland reserve

Bungalook Conservation Reserve is a conservation area of state level significance located on Tereddan Drive in Kilsyth South.

The reserve is home to expansive bushland, wetlands, wildlife and walking tracks with great views of the Dandenong Ranges. The reserve can be accessed from Tereddan Drive, Chandra Avenue, Ormond Place and Regency Drive.

Find out more

FOGO Is Here!

Council’s new Food Organics and Garden Organics (FOGO) collection service has started.

As part of the new service, you can now add food scraps as well as garden waste in your green-lidded FOGO bin. Food scraps you can place in your FOGO bin include meat and bones, dairy products, fruit and vegetable scraps, bread, pasta, plate scrapings and more.

The materials in your FOGO bin will be collected and sent to an organics processing facility, where they will be turned into compost. The compost will then be used on Victorian farms to grow more food.

Read More

Maroondah Council News MAY

An exhibition presenting highlights from the Maroondah City Council Art Collection.

The Maroondah City Council Art Collection is a resource of culturally and aesthetically significant works of art that tell the stories of our environment and our people for the purpose of enriching community life through interpretive display.

The Collection has its origins in the merging of the cities of Croydon and Ringwood to become Maroondah in 1994. At this time the art collections of these former cities combined numbered 140 works; mainly paintings by local artists associated with the region.

Since that time the Collection has grown to include over 450 contemporary and historical works across all mediums,

finding particular strengths in First Nations painting, photography and print making practices. Collectively this resource is an expression of community aspirations, pride and a shared belief and commitment to art and culture having a prominent place in everyday life.

Yours: The Maroondah City Council Art Collection presents key artworks drawn from the collection here at ArtSpace for the first time. Works range through techniques of Painting, Photography, Prints, Sculpture and Ceramics. They celebrate the contribution artists, working within the region and beyond, have made to defining Australian culture and identity.

We hope you enjoy this opportunity to view the collection and share the knowledge that as a member of this community, it is yours.

Exhibition launch

Join us to celebrate the launch of Yours: The Maroondah City Council Art Collection:

• Date: Thursday 13 April, 2023

• Time: 6pm to 7.30pm

• Venue: ArtSpace at Realm, 179 Maroondah Highway, Ringwood

RSVP online

Alternatively phone 0459 487 132 to RSVP.

Further information

For further information on this exhibition or other arts events, contact Council on 1300 88 22 33.

Date and Time

Saturday, 25 March 2023 - 9.00am to Sunday, 21 May 2023 - 5.00pm

Health & Wellness Showcase Day

Croydon Main Street Presents a Health & Wellness Showcase Day:

• FREE CLASSES TO BOOK IN KX Pilates Croydon, Asha Yoga Studio, MDTA, Legacy Pilates & Strength and Innovate Exercise Physiology

• FREE ACAI BOWLS from Acai Brothers

• FREE GIFT for the first 300 on the day to Book a Class valued $34

• FREE entry into Medicura - Health & Aesthetics $500 Raffle

Find out more

Together, Yes Community Information Session

What is Together, Yes?

Together, Yes is a first-ever nationwide conversation process to inform and empower friends, family, workmates and neighbours on the defining issue of our time. Kitchen Table Conversations are a tried and tested approach used by the Victorian Women’s Trust for the past 20 years. They prove to be a rewarding experience for everyone involved.

Find out more

Scams Safety Parent Info Evening May

Scams Safety presented by Eastern Regional Libraries

Presenter - Jack Blackey, Digital Literacy Officer

Guest - Stephanie Crawford, Speech Pathologist

Your entry includes your meal and presenters. Please advise of any dietary restrictions when you register.

Find out more

Smart Storage to Reduce Food Waste workshop

Get some valuable food storage tips to help reduce your food waste.

Getting food storage right can extend the life of your food, which means less waste and saving money. Cut down on food waste at home with some know-how and simple tips to keep food fresh for longer.

Read More

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT OF THE MONTH

Guardian Angel

Blue Cross Animals Society of Victoria is an animal shelter with a vision of a future where all animals are safe, respected, loved and protected. Since opening our doors in Wonga Park in 1966, we have saved thousands of lives and continue to go above and beyond to provide shelter, treatment and loving forever homes for cats and dogs in our care.

Introducing our Guardian Angel Sponsorship Program!

At Blue Cross, we try our best to make each animal’s shelter experience as enriching as possible, but sometimes we need a bit of extra support.

As a not-for-profit organization, we receive no government funding. The work we do relies solely on the generosity of our dedicated community lending their support to our programs that are designed to help us make the shelter a better place for all animals.

It’s not unusual for some animals to be in our care for up to a year – and sometimes more! By becoming a ‘Guardian Angel’, you are allowing us to continue providing a safe and warm space for the animals who get overlooked due to being older or needing some extra medical care and you also help us to continue saving the lives of abandoned and unwanted dogs and cats, providing year-round care, ensuring they are safe, their bellies are kept full & their lives are enriched until forever homes are found.

what we do

We, rehabilitate and rehome animals that come into our care giving them a second chance at a new life. Our committed team rehome dogs, cats, kittens and puppies whose futures would be bleak without our care and support. We care for hundreds of animals every year. As a charity we rely on the kindness and generosity of our donors and supporters.

The more you support us, the better care we can take of animals and give them every chance of a new life in a loving home. We tailor our service enabling us to better connect animals with the right person or family for them.

Check out our current animals up for adoption – and importantly why you should adopt from Blue Cross Animals Society of Victoria.

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

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

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

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

Bookings Here

Cactus Pot Workshop

11 May 9:30AM $45

Paint your pot plant your cactus and take it home

Bookings via QR code or by phoning 9720 0877

Bayswater North

TUTORS CLASS LEADERS FOR RINGWOOD U3A

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

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

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

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

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

Photography

Learn to take better pictures

Mondays 7:00 - 8:30PM 1 May - 5 June $75

Boronia View Club will be meeting on Friday 19 May at 11.30am at Eastwood Golf Club, Liverpool Rd., Kilsyth with a 2-course lunch costing $27 followed by Alex Maisey speaking about Lyrebirds.

There will be the usual bookstall, trading table and raffle with all monies raised going to The Smith Family Learning for Life Program to help needy Australian children with their eductional requirements.

Enquiries to Judith on 9764-8602

Boronia View Club

Have you ever thought about becoming a foster carer?

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

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

By Warren Strybosch

Moving into aged care in Australia can be a complex and overwhelming process, but there are several things you should know to help make the transition smoother.

First, it's essential to understand the different types of aged care services available in Australia, including home care, residential aged care, and respite care. Each type of care has different eligibility criteria, costs, and benefits, so it's crucial to research and understand which type of care best meets your needs.

Second, you'll need to undergo an assessment by the Aged Care Assessment Team (ACAT) to determine your eligibility for government-funded aged care services. ACAT assessments can take time, so it's best to start the process early.

Third, you'll need to consider the costs associated with aged care. Depending on your financial situation, you may be required to contribute to the cost of your care. It's important to understand the costs and fees associated with aged care and explore any available financial assistance options.

One of those fees is the RAD which stands for Refundable Accommodation Deposit, and it is a key concept in relation to aged care in Australia.

When an individual moves into residential aged care, they may be required to pay an accommodation fee to cover thecost of their room and amenities. This fee can be paid as either a lump sum RAD, a daily accommodation payment (DAP), or a combination of both. The price is for residents who are not eligible for Australian Government assistance.

Each residential aged care provider sets their own price for different kinds of rooms. You must publish the prices as:

• a lump-sum RAD amount

• an equivalent daily accommodation payment (DAP)

• an equivalent combination of both

The resident chooses the payment option they prefer.

The RAD is refunded when the individual leaves aged care or passed on to

Moving into Aged Care – what you need to consider.

their estate. The amount of the RAD is determined by the aged care provider and can vary depending on factors such as location, facilities, and demand.

The RAD is regulated by the Australian Government's Aged Care Pricing Commissioner, who sets maximum amounts that providers can charge for RADs. The current maximum RAD amount is $550,000, but providers may charge lower amounts (Source: https://www. ihacpa.gov.au/).

It's important to note that the RAD is different from the means-tested care fee, which is a separate fee based on an individual's income and assets. The means-tested care fee is not refundable and is used to help cover the cost of care. Before approaching an Aged Care provider or undergoing your assessment by ACAT, it is important to seek financial planning advice. Seeking advice can potentially save you thousands in fees. There are financial planners who specialise in providing Aged Care advice and in the future they can be found at www.findagedcare.serviceswebsite

Finally, it's essential to choose the right aged care provider for your needs. Research providers in your area, read reviews, and consider factors such as staff qualifications, facilities, and services offered..

Overall, moving into aged care in Australia can be a complex process, but with the right information and preparation, you can make the transition as smooth as possible.

Warren Strybosch

Award winning Financial Adviser and Accountant

Part of the Find Group of Companies

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

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

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

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

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

HELPING TO PROTECT YOU AND YOUR FAMILY

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

She can assist with the following assessments:

• Gross motor development (milestones)

• Primitive reflexes

• Tongue function and it’s relation to sucking skills • Biomechanics of the jaw and mouth

LACTATION CONSULTING

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

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

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

• Assess the suck, swallow and breathing of an infant

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

• Pre and post-frenectomy breastfeeding support

• Help increase or decrease milk supply

NORWOOD FOOTBALL CLUB

Noorwood silent disco

Mark those calendars, sharpen those moves, book those babysitters. The Norwood Silent Disco is coming - 20th of May starting at 7pm at the Norwood Social Rooms.

Tickets are $20.

Looking forward to a huge night - the first joint social event of the Football and Netball Club is sure to be a big one. Don't miss out.

brilliant season it was great to see Sam McKean recognised with the u12 competition bowling average last night!

Geoff Boyd Life Membership

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

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

Congratulations Geoff.

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

Around the courts - Netball update

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

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

Best players: Madi Woods, Nicole Anastasio

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

Best players: Natalie Johnson, Emma Seymour

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

Best players: Madi Werkmuller, Sam Olsen

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

Well done ladies!

Watch Geoff Boyd's Life Membership presentation on Youtube.

Do you have an upcoming events?

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

SEND US YOUR NEWS!

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

Croydon Hills Baptist Church

Pastoral Team

Senior pastor - Andrew Harris

Karen Pastor - Moo Hei

NextGen Pastor - Matt Moran

Worship Pastor - Leah McCormack

Transform Pastor - Ben Dickson

Community Engagement - Gitta Clayton

Children's Co-Ordinator - Meagan Dickson

Youth Co-Ordinator - Mat Weller

Services

• English Sunday 10am

• Karen Sunday 1pm

• English Sunday 6pm

6 Bemboka Rd, Croydon Hills VIC 3136, Australia

+61 39876 4503 | 0405 507 118

Hope City Church

About us

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

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

Religious Groups and Churches

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

Ringwood Church of Christ

Services

10 AM Sundays – main worship service

Also streaming on Facebook Live

13 Bedford Rd, Ringwood VIC 3134

+61 39870 8169

www.ringwoodchurch.org.au

Our Mission

Why do we exist?

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

Services

9:00AM service and 10:30AM family service

Night service monthly 5pm

281-283 Colchester Rd, Kilsyth South VIC 3137

+61 39720 7121

CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another

Services:

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

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

0417679682

(03) 9876 2600

RINGWOOD COMMUNITY CHURCH

Connecting People With God And One Another

Services: Sunday 10 AM

Livestreamed: myrcc.co/live

Activities for all - children, youth, families, adults, senior

1 Tamar St, Ringwood VIC, 3136

(03) 9870 0102

Canterbury Gardens Community Church

MAROONDAH

Support your Local Not-For-Profit

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

FIND DINING FIND BREKKY, BRUNCH & LUNCH

FIND TAKEAWAY FIND LOCAL COUPONS

FIND CARD LOCAL OFFERS

PRESENT VALID FIND CARDS LOCAL COUPONS OFFERS

FIND CARDS & FIND COUPONS POLICY

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

Non-Transfer

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

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

Valid Periods

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

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

Present Find Card

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

Customer Name/Signature and Valid End Date

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

Registration of Find Cards

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

Part

SAMPLE SAMPLE

NEW OFFERS COMING

NEW OFFERS COMING

NEW OFFERS COMING

Health & Beauty

Good things come to those who shop local.

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

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