Find Maroondah - October 2023 Edition by Find

Maroondah The

OCTOBER 2023

WHAT’S INSIDE: 05

COLUMNIST ARTICLES

TAX UPDATES

MAROONDAH COUNCIL NEWS

NOT-FOR-PROFIT OF THE MONTH

FIND SPORTS

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on page 04

BEAUMONT ADVISORY

SBIB INSURANCE BROKER

mfelton@beaumontlawyers.com.au

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www.thebeaumontgroup.com.au

0411 951 372

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

GENERAL INSURANCE

MORTGAGE BROKER

WARREN STRYBOSCH

LESLEY-ANNE BANTON

CRAIG ANDERSON

REECE DROSCHER

LACTATION CONSULTANT

OCCUPATIONAL HEALTH & SAFETY

FINANCIAL PLANNING

LEGAL

JOANNA STRYBOSCH

MARK FELTON

ERRYN LANGLEY

DEAN BOSMAN

DIGITAL MARKETING

LIFE COACH

BOOKKEEPING

COPYWRITER / ACRREDITED EDITOR

ETHAN STRYBOSCH

Are you our next Life Coach?

Are you our next Bookkeeper?

Are you our next Copywriter?

BOOKKEEPING

NATURE & CONSERVATION

HEATHERDALE COMMUNITY ACTION GROUP

NATUROPATH

JODIE MOORE

LIZ SANZARO

ELWYNNE KIFT

KATHRYN MESSENGER

CLUB SPONSORS

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OCTOBER 2023 | FIND MAROONDAH

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.

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.

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

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.

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

Next Issue of the Find Maroondah will be published on Friday November 10, 2023. Advertising and Editorial copy closes Friday October 30, 2023.

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FIND MAROONDAH | OCTOBER 2023

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By Mary Barnes

grand final day

The Australian Football League, also known as the Victorian Football League, is the only fully professional competition in Australian rules football. Founded in 1896 as a breakaway competition of the Victorian Football Association, the AFL traces its roots to Australia’s tradition. After the game was invented in Melbourne, it quickly spread to other states. As a result, it has gained roots in Australian families, who then pass it from one generation to the next. The perfect illustration of this is during the Grand Final, when thousands of Australian families go out to watch the spectacle, cheering for their favourite side to win the silverware. High-intensity sports are also the most grueling and energy-consuming. AFL fits the bill as one of the most highintensity sports. It is a very competitive and combative game that hardly stops. The AFL competition currently consists of 18 teams spread over Australia's five mainland states. Matches have been played in all states and mainland territories, as well as in New Zealand and China to expand the AFL audience. The 2023 AFL Grand Final was the 128th annual grand finale of the Australian Football League (AFL). It was played between Collingwood and the Brisbane Lions in the Melbourne Cricket Ground last Saturday, 30 September 2023. This determined the premiers for the 2023 AFL season.[AP1] [MB2]. Collingwood came into the 2023 season after a one-point 2022 preliminary

final loss to the Sydney Swans. They finished the season on top of the ladder with an 18–5 win loss record to claim the minor premiership for the twentieth time. Collingwood's last grand final appearance was the 2018 AFL Grand Final, which they lost to the West Coast by five points. Brisbane also came into the 2023 season after a 2022 preliminary final loss, in which they were comprehensively beaten by eventual premiers Geelong by 71 points. They qualified for the finals with a 17–6 win–loss record, finishing second on the ladder for the third time in five seasons. Collingwood was aiming to win its sixteenth flag to equal Carlton and Essendon for the most premierships in VFL/AFL history and win its first premiership since 2010. Brisbane is also aiming to win its fourth flag after winning three in a row in 2001, 2002 and 2003. This is the third grand final

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

meeting between Collingwood and Brisbane, the two clubs having met in 2002 and 2003, both won by Brisbane. In the 2023 home-and-away season, Brisbane beat Collingwood both home and away, defeating them 18.8 (116) to 11.17 (83) in round 4 at the Gabba, and then 19.10 (124) to 15.10 (100) in round 23 at Marvel Stadium. It was the Magpies' almost psychotic pressure in a narrow, four-point win that secured a record-equaling 16th flag. Bobby Hill kicked a career-best four goals to claim the Norm Smith Medal in the Magpies' epic 12.18 (90) to 13.8 (86) victory in front of 100,024 spectators at the MCG. It was Collingwood's first premiership since 2010, following heartbreaking grand final defeats in 2011 and 2018. And so, it is Collingwood's year, a black and white day at the MCG.

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OCTOBER 2023 | FIND MAROONDAH

Dozens of Safety Issues Identified in latest WorkSafe Construction Safety Blitz

OCCUPATIONAL HEALTH & SAFETY By Mark Felton

As a business owner and employer, it is your responsibility to ensure the health and safety of your employees within your workplace. This includes providing your team with a safe work environment and protection from hazards. You can achieve this by understanding your obligations under the Occupational Health and Safety (OHS) laws and by complying with them. WorkSafe Victoria and SafeWork NSW recently visited 22 building sites in Yarrawonga and Mulwala as part of a joint-agency operation to boost construction safety. The border town blitz from 21-25 August 2023 focused on risks associated with working at height and exposure to crystalline silica dust, but inspectors also kept an eye out for general workplace safety issues. Site inspections are a key element of the Cross Border Construction Program, which aims to help local construction businesses along the Victoria-NSW border comply with workplace health and safety requirements. WorkSafe inspectors issued 17 improvement notices during seven workplace visits and observed another two safety issues that were remedied on the spot. Electrical risks were the most common concern with five improvement notices issued, followed by a lack of security fencing (3). Notices were also issued for working at height without fall control

measures in place, incomplete scaffolds, poor housekeeping, performing high risk construction work not in accordance with a Safe Work Method Statement, and failing to have a Crystalline Silica Hazard Control Statement for tasks that exposed workers to crystalline silica dust. Director of Construction and Earth Resources Matt Wielgosz said WorkSafe was committed to making safety the top priority at all construction sites. "It's never a good idea to wait for an injury or death before you start thinking about safety. Through proactive visits like this, we can prevent tragedies that were otherwise waiting to happen." "As the results show, there is much room for improvement. Together with SafeWork, we'll continue to help employers understand and meet their health and safety obligations." SafeWork NSW Executive Director Matt Press said with falls from heights being the number one killer in the construction industry, inspectors were taking a zerotolerance approach to unsafe practices and issued one penalty notice. "Of the 15 sites visited, SafeWork issued 38 improvement notices in relation to poor site security and non-compliant testing and tagging of electrical equipment, failure to have a Safe Work Method Statement in place, and issued six prohibition notices, including three for working at heights, two for the removal of machine guards, and one for unsafe use of an elevated work platform." "SafeWork Inspectors also had some very positive interactions with local tradies and discussed safer ways of working, especially around high-risk

hazards associated with the movement of vehicles, and safety around moving plant." As a business owner, are you confident that you do not have shortfalls in your efforts to keep your workers healthy and safe? Do you have an understanding of your responsibility to ensure the safety of your employees? Are you confident that you can provide a safe work environment and comply with OHS laws? Do you believe that you are effective in carrying out risk assessments, employee consultation and providing training? Do you regularly review these measures to ensure that they remain fit for purpose and keep you and your employees healthy and safe? At Beaumont Advisory we assist business owners clarify what they currently have in place, as well as where there are shortfalls. We then assist in developing effective systems and documentation, working with businesses to ensure effective implementation. Checks are put in place to monitor ongoing effectiveness, to ensure that going forward, they are sound and comply with the Act, and most importantly keep you and your employees informed, and healthy and safe. Please feel free to contact me, Mark Felton, at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost-free initial discussion.

Mark Felton Occupational Health & Safety www.thebeaumontgroup.com.au OCTOBER 2023 | FIND MAROONDAH

FIND MAROONDAH | OCTOBER 2023

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Don’t just lose weight for the summer, lose it for life! NATUROPATH By Kathryn Messenger

So often the quick fix, magic bullet answers also have a quick undo, or just can’t be sustained long term. In terms of health, a slow steady change that lasts is much better than a quick fix that doesn’t. So often people go on very restrictive or low-calorie diets and whilst the number on the scales may look great for a little while, it’s not something that works longterm. One of the first changes that can make a big difference, not only to weight loss, but also to all areas of health, is to increase your protein intake. Protein is required for repair of all cells in your body, and low protein meals can leave you feeling hungry afterwards. Try to have some protein with every meal, such as some ground nuts on breakfast cereal. Along with animal protein such as meat, fish, eggs, and dairy, try adding some of the following to your diet: • • • • • • • • •

Quinoa Tofu Lentils Chickpeas Peas Beans Nuts Seeds Buckwheat

The second thing that can make a massive difference if you have a low-fat diet, is to increase your fat intake. Now before you stop reading and tell me that fats will just make you fat, I would like to catch you up on the science. Just over 10 years ago, scientists discovered that there is no pathway in the body by which dietary fat can be stored as body fat. Did you read that: fat cannot make you fat! Because fat is a more dense energy source, it does give you long lasting energy, which is a good thing. So, what does this mean? Rather than gaining weight from fats, you have a steady energy supply for hours without the highs and lows of refined carbohydrates. This means that you should stay full between meals (especially if you’re also eating protein), so you won’t be as tempted to go for an unhealthy snack. Here at Whole Naturopathy, we’re launching a 6-week nutritional weight

loss course, with 20% off from 10th-20th October. So if you’re serious about losing weight to improve your health and need some guidance along the way, you can sign up here.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria

At Whole Naturopathy we also offer appointments, I spend time to understand how all of your health issues affect each other and treat the cause as well as the symptoms.

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.

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OCTOBER 2023 | FIND MAROONDAH

Elmedia Marketing: Empowering Maroondah

Businesses with Free Facebook MARKETING SUPPORT

DIGITAL MARKETING By Ethan Strybosch

At Elmedia Marketing, we believe in the power of community and supporting local businesses. As a locally based marketing and advertising agency in Warranwood, we're thrilled to introduce an exciting opportunity for businesses in Maroondah. We're extending our hand to offer free Facebook advertising support to help your business thrive in the digital landscape. No Strings Attached You might be wondering, "What's the catch?" Well, we're here to tell you there isn't one! Our mission is simple: to empower Maroondah businesses. We're offering our marketing and advertising expertise for free. The only cost involved is the ad spend on Facebook—meaning you only pay for the actual ads themselves. Why We're Doing This Our motivation behind this initiative is clear – we want to give back to our local community. We understand the unique challenges that small and local businesses face, especially in the everevolving world of digital marketing. By providing free Facebook advertising support, we aim to level the playing field and help your business connect with its target audience effectively.

Additionally, we're eager to gather feedback on our services. We invite you to share your experiences and leavea review if you feel it's worthwhile. Your feedback will not only help us refine our services but also strengthen our bond with the local community.

Don't let this golden opportunity slip through your fingers. Seize the chance to boost your business's online visibility andreach a wider audience. We're eager to extend our expertise to help you navigate the world of Facebook advertising.

What's in Store for Your Business

As believers in the power of community and collaboration, Elmedia Marketing is setting an example by offering our expertise to support local businesses. By taking part in this initiative, you not only gain access to professional marketing and advertising support but also contribute to the growth and vibrancy of the Maroondah community.

When you partner with Elmedia Marketing, you can expect nothing but excellence. Our team of experts includes graphic designers, copywriters, media buyers, and marketing strategists who will collaborate to create tailored Facebook ads that align with your business goals. The best part? All of these services come at no cost to you. You only need to allocate a budget for your Facebook ad spend. Getting Started is Easy Getting started with our free Facebook advertising support is a breeze. If you're a local business in Maroondah, simply reach out to us to express your interest or ask any questions about the program. We'll carefully assess your business's unique needs and craft a customized advertising strategy just for you. This initiative is a fantastic opportunity to enhance your online presence, and we're excited to showcase our capabilities.

Join Us in Empowering Maroondah Businesses

Reach out to Elmedia Marketing today to explore this unique opportunity and elevate your business's online advertising game. Together, we can build a stronger, more prosperous local business community in Maroondah. Let's make waves in the digital world and support the businesses that make our community great. Feel free to contact us via email at: info@elmedia.com.au or via our Contact Us page at Elmedia.com.au

Ethan Strybosch Co-Founder

OCTOBER 2023 | FIND MAROONDAH

FIND MAROONDAH | OCTOBER 2023

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Green home loans

ARE YOU READY TO GREEN? MORTGAGE BROKERING By Reece Droscher

sustainability criteria. Most lenders who offer a Green Home Loan will require the property to have a 7 stars or higher rating under the Nationwide House Energy Ratings Scheme (NatHERS). Most newly constructed homes are required to achieve this rating as part of the construction plan, however there are other ways in which an existing home can achieve this rating. For example installing rooftop solar panels, rainwater tanks and grey water treatment systems are all common ways that home owners are utilising to improve their home energy rating and qualify for a Green Home Loan.

As the property sector contributes around 25% of all of Australia’s greenhouse gas emissions, governments, consumers and businesses are now looking at ways in which this sector can help by providing more environmentally friendly options for new and existing homes. With a greater emphasis on higher energy ratings for new homes and improving the energy efficiency in existing properties to try and combat the climate crisis, a relatively recent innovation has been the introduction of Green Home Loans being Are Green Home Loans the same as offered by several lenders in the finance normal Home Loans? market. Green Home Loans generally offer the same features that a standard Home What is a Green Home Loan? Loan product contains, including redraw, A Green Home Loan is a product which offset and the ability to make extra encourages buyers of existing or new repayments. The difference is in the homes to purchase more environmentally interest rate, as lenders look to reward friendly properties in exchange for a borrowers who are taking steps to reduce lower interest rate. These loans are also their environmental impacts. offered to borrowers who are looking to renovate an existing home into a more What difference will it make to my interest rate? environmentally sustainable property. How do you qualify?

There are only a small number of lenders currently offering Green Home To qualify for a Green Home Loan Loans at present. The difference in rates the property has to meet certain between standard products and Green

Home Loans varies between the lenders, however most lenders are offering around 0.20% discount off the interest rate for the Green Home Loan options. It would be best to discuss this with a Broker to determine what the financial benefit would be if you were eligible to take up this option. It is important to note that some lenders, who don’t currently have a Green Home Loan offering, are trying to incentivise borrowers to make environmentally friendly improvements to their existing homes in other ways. Some have a cashback incentive available for existing borrowers who buy properties with rooftop solar panels already installed, or offer discounted personal loans for borrowers looking to install solar panels at home or for the purchase of electric vehicles. If you may be eligible for a Green Home Loan, or would like to review your current financial situation, I would love the opportunity to discuss this with you.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs. reece@shlfinance.com.au www.shlfinance.com.au

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OCTOBER 2023 | FIND MAROONDAH

BACK TO

BASICS BOOKKEEPER By Jodie Moore

Each month, I will bring you some simple bookkeeping skills to help you run your business with ease. Bookkeeping is an important part of running your business and one that not everyone puts enough time into. When done properly though, it can be truly save you time and money. What is bookkeeping? Noun 1. the activity or occupation of keeping records of the financial affairs of a business. Keeping your finances in order will allow you to monitor your business and quickly see potential issues before they arise and get on top of them when they do. It will allow you to see who owes you money, who you owe money to and who is consistently slow to pay you amongst many other beneficial reports.

suppliers, banks and other third parties that you owe money to. Accounts Receivable: this refers to the account which tracks the people, customers, companies and other third parties who owe you money. GST paid – when you pay for goods and services, you will be paying GST to that business. It is good practice to keep track of this as you will need it if you are registered for GST when it comes time to lodge your Business Activity Statement (BAS). GST paid is considered an asset as you have already paid it and do not owe it to anyone.

Let’s begin by looking at some Basic Bookkeeping terms:

GST received – when a client or business pays you for goods or services, a portion of the amount you receive will be the GST amount. This is not your money, it will need to be paid to the ATO when you next lodge your BAS. As you owe this money to the ATO, it is considered a liability. It is good practice to have a separate bank account to ‘store’ this money so that you have it readily available when it comes time to pay it to the ATO.

Accounts Payable: this refers to the account which tracks the people,

BAS - your Business Activity Statement is required to be lodged monthly, quarterly

or annually depending on your business. This is a statement that works out how much GST you paid in that quarter against how much GST you received. If you received more GST than you paid, then you owe the difference to the ATO. If you paid more GST than you received, you will receive a refund. Balance Sheet – this is a snapshot of your business at a particular point in time and includes your assets, liabilities and capital of your business. Chart of Accounts – a list of all the accounts you use to categorise your financial transactions to record them in your general ledger. They act a bit like a map, categorising your transaction types into asset accounts, liability accounts, equity accounts, revenue accounts, and expense accounts. I will look more into each of these topics, plus lots more, over the coming months.

Jodie Moore Bookkeeping www.findgroup.com.au OCTOBER 2023 | FIND MAROONDAH

10 FIND MAROONDAH | OCTOBER 2023

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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. By Peter Horton

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.

If you find bowling is something that you wish to play on a regular basis then your membership classification is changed. Before purchasing a set of bowls we provide advice on the type of bowls you need. You are then also invited to purchase our club uniform. Should you progress to playing pennant then wearing club uniform is compulsory.

Social membership. This is for people who would like to try their hand at bowling that starts with barefoot bowls and for people keen to take their bowling more seriously the RBC provides coaching and equipment. Your bowling career can then proceed to play social bowls 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.

Apart from a social membership annual fee of $30 there is no other financial commitment.

You may be looking to meet new people, make new friends and enjoy

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.

the companionship of other members of the RBC. The RBC offers its social members a venue where you can meet, have a cuppa and make new friends. 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 Ringwood Bowls Club.

INDOOR RETURNS 9/08/2023 OUTDOORS BEGINS 4/10/2023

OCTOBER 2023 | FIND MAROONDAH 11

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GENERAL INSURANCE By Craig Anderson

If you’ve ever insured a building or buildings, you will have been asked by the insurer to provide the estimated replacement value for that building or buildings. So what could happen if you substantially underestimated the replacement value and then experience a loss? The insurer will most likely enforce a coinsurance clause (Average Clause) stated in your insurance contract, which allows the insurer to pay a fraction of the loss based on the ratio of the declared value divided by the actual value. Depending on the contract wording, it may for example, require a minimum of 80% of the actual value to be insured. If the coinsurance clause is applied when the insured value is under the required 80%, then you as the insured, become “self-insured” for the portion which is not covered by the insurer. The intention of the coinsurance clause is to ensure that the policyholder provides an accurate estimate of the replacement value, so the insurer receives a fair premium for the risk. In turn this allows the insurer to have an adequate premium pool of funds to pay for legitimate claims when they occur. So should I use my rates notice to estimate the replacement value, ask a real estate agent for a free appraisal, or ask some mate from the footy club? My answer is none of these under any circumstances. A sworn valuation from a reputable property valuer is the safest solution, and this is particularly important if you live somewhere with a bushfire overlay. The cost of replacement with a more bushfire attack resistant home could come as a shock to some owners.

Underinsurance consequences.

One client came to me initially with a $350k “guesstimate” which later turned into $800k+ once it was discovered the house was in a location rated for Extreme Attack, and any replacement dwelling would need to meet the most stringent building regulations. The valuer in this case prevented an underreporting of the value of the house by more than half of it’s replacement cost.

Any advice in this article has been

For information on bushfire overlays visit:

Craig Anderson

https://www.vba.vic.gov.au/consumers/ bushfire/areas-overlays

GENERAL INSURANCE Small Business Insurance Brokers

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

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). This is not legal advice.

www. heightsafetyinsurancebrokers.com.au

0418 300 096

OCTOBER 2023 | FIND MAROONDAH

12 FIND MAROONDAH | OCTOBER 2023

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The SMSF and Accountant Relationship

Australian Financial Services License" (Limited AFSL), which allows accountants to provide advice on SMSFs without needing a full AFSL. Accountants must meet certain competency and training requirements to obtain this limited license. However, it is likely these limited licensing requirements will be removed when the Quality of Advice Review (QAR) recommendations come into play.

ACCOUNTANT By Warren Strybosch

The Australian Securities and Investments Commission (ASIC) regulates financial services in Australia, including the provision of advice and services related to Self-Managed Superannuation Funds (SMSFs). While ASIC doesn't specifically prohibit accountants from setting up SMSFs for their clients, they do impose certain regulations and requirements on accountants and financial professionals who provide SMSF-related services. Please note that regulations and guidance can change over time, so it's important to check ASIC's website or consult with a legal or financial professional for the most upto-date information. Here are some key points related to ASIC's guidance on accountants and SMSFs: 1.

Licensing Requirements: Accountants who provide advice on establishing or operating an SMSF may be required to hold an Australian Financial Services License (AFSL) or operate under an AFSL holder. The extent of the licensing requirement depends on the nature of the advice and services provided. Limited Licensing: ASIC has introduced a limited licensing regime, known as the "Limited

Competency and Training: ASIC expects accountants to have the necessary skills, knowledge, and training to provide SMSFrelated advice competently. This may involve completing specific SMSF-related education and meeting continuing professional development (CPD) requirements. Auditing Requirements: If accountants are involved in auditing SMSFs, they may need to be registered as SMSF auditors with ASIC. There are specific requirements and standards for SMSF auditors. Compliance and Reporting: Accountants must ensure that any SMSF-related advice and services they provide comply with relevant laws, regulations, and standards. They are also responsible for keeping proper records and fulfilling reporting obligations.

Client Best Interests: Accountants, like all financial professionals, are expected to act in the best interests of their clients when providing SMSF advice and services. This includes providing suitable advice based on the client's individual circumstances and objectives. When you need to use a licensed accountant Only accountants holding an AFSL can provide personal advice such as: 1. •

•

• • •

SMSF establishment Recommendations to establish or wind up an SMSF. Note, if the client approaches the accountant with instructions to establish a SMSF, the accountant can help with the establishment but cannot recommend the establishment if they do not hold an AFSL. Advise on the appropriateness of an SMSF for your personal circumstances Explain the suitability of different super investment options and funds Recommend one super structure over another Suggest consolidating or rolling over assets into a single fund

Note: If the client approaches the accountant with instructions to establish a SMSF, the accountant can help with the establishment of the SMSF but cannot be the one to recommend the establishment of a SMSF if they do not hold an AFSL.

OCTOBER 2023 | FIND MAROONDAH 13

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Contributions • Recommend additional super contributions • Suggest establishing a salarysacrifice arrangement • Provide guidance on which fund you should contribute to 3. •

•

• • 4. • • •

•

5. • •

Pensions and withdrawals Recommend starting a super pension or transitionto-retirement pension Calculate the super pension amounts needed to meet your income requirements based on your account balance, life expectancy and estate plans Organise ad hoc lump sum withdrawals Recommend rollovers out of an SMSF Investment assets Recommend purchasing property through your SMSF Prepare a tailored investment strategy for the SMSF Recommend specific assets to buy when establishing an SMSF, including basic deposit products and cash management accounts Recommend establishing a Limited Recourse Borrowing Arrangement (LRBA)

Estate management Organise a binding death benefit nomination Recommend appropriate beneficiaries for a binding death benefit nomination.

What accountants can do to help you with your SMSF: 1.

Licensing Requirements: In Australia, to provide advice on setting up an SMSF, accountants must hold an Australian Financial

Services License (AFSL) or be an authorized representative of a licensee. This license is required to give financial advice, which includes advice related to superannuation and the establishment of SMSFs.

to provide comprehensive advice and services to SMSF clients. This collaboration ensures that clients receive well-rounded guidance that considers tax, investment, and legal aspects.

SMSF Establishment: Accountants can help their clients establish an SMSF by assisting with the necessary paperwork and ensuring compliance with the relevant laws and regulations. This includes preparing the trust deed, obtaining a Tax File Number (TFN) and an Australian Business Number (ABN) for the SMSF, and registering the fund with the Australian Taxation Office (ATO). Investment Strategy and Compliance: Accountants can also assist in developing an investment strategy for the SMSF, which should align with the client's retirement goals and comply with the superannuation regulations. It's essential to ensure that the SMSF remains compliant with all legal requirements throughout its operation.

Please note that SMSF regulation in Australia is complex, and the rules governing accountants' roles in SMSFs can change. Therefore, if you are an accountant or a client seeking SMSF-related services, it's crucial to stay informed about the latest ASIC guidance and regulations and seek advice from qualified professionals who are well-versed in SMSF matters. Consulting with a legal or financial expert who specializes in SMSFs can provide you with specific guidance tailored to your situation.

Ongoing Compliance and Reporting: SMSFs have strict reporting and compliance obligations, including the preparation of financial statements, annual audits, and lodgment of annual returns with the ATO. Accountants can provide ongoing assistance with these requirements to ensure that the SMSF remains compliant.

Warren Strybosch

Collaboration with Other Professionals: In many cases, accountants work closely with financial planners, investment advisors, and legal professionals

You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au Important Information This information is of a general nature only. It does not take into account your particular financial needs, circumstances and objectives. You should obtain professional financial advice if you have not already done so before acting on this information. You should read the Product Disclosure Statement (PDS) before making a decision to buy or sell a financial product. Any case studies, graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Past performance is not an indication of future performance. Superannuation, tax, Centrelink and other relevant information is current as at the date of this document. This information contained does not constitute legal or tax advice.

You are invited to the Wayapa for Wellbeing Launch Celebration! Sat 21 October, 11am - 2pm, Healesville Library Wayapa® is an earth connection practice that is based on ancient Indigenous wisdom. The focus is on taking care of the Earth as a starting point for creating Earth, Mind, Body, Spirit well-being. Healesville Library is thrilled to announce that we will be offering fortnightly Wayapa® sessions, free for all to attend. Our launch day celebrations include: • Welcome to Country • Rope bridge making for local wildlife • Storytelling • BBQ lunch • Wayapa Wuurrkshop

OCTOBER 2023 | FIND MAROONDAH

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why do our native reserves matter By Liz Sanzaro

Over many years from 1964 and still going Croydon Conservation Society has been active in planting at some of the biggest reserves in Maroondah. A section of Hochkins reserve was barren and scraped clean, adjacent to the housing development of the 1980s. Hochkins ridge is a wonderful native sanctuary for wildlife and birds. It is at the northern most edge of the Wicklow ridgeline that runs from Wombolano park on Canterbury Rd hill, where Bedford Rd intersection is, through Ringwood east, on Eastfield Rd hill, then across to Alto Avenue, area, crossing Maroondah highway at Birts hill near Richardsons Rd, then on to Exeter Rd. This geographical feature of our landscape can be seen from Mt Dandenong Rd as a green row of almost uninterrupted vegetation, in the foreground after the flat plains of Kilsyth Industrial area. In the late 1980’s CCS together with some helpful volunteers, planted into the scraped earth, then used a mountain of mulch to spread around to protect the plants. Here we are getting into it, young and old alike.

And just a few years later we have planted a newly grown forest near Nangathan way, off the Dell and the Croft, the Heath, around the pond and at the rear of Bronte Crt.

We added considerable acreage to infill adjacent to the creek and up to meet the original vegetation of Hochkins Ridge. It takes a village to raise a child, it also takes a village to create a healthy environment. We are constantly bombarded by the media with doom and gloom about climate change. Vegetation protection is what CCS are on about. We lose trees from almost every new development. One new application Council has approved is at 51 Faraday Road where 8 trees are to be removed, leaving just two on the site. This is what is happening across our municipality daily and is why Maroondah now has only 21% cover from canopy trees, when just a few years back it was 30%, which is regarded by town planners the optimum for healthy living. Reserves can only accommodate some extra new trees, but the rest are being planted on roadsides, and are small in height so that pruning is not an expensive cost to ratepayers. This is changing bird habitat fast. Did you know that a single tree can store carbon? Over one year, a mature tree will take up about 22 kilograms of carbon dioxide from the atmosphere, and in exchange release oxygen. Each year, 1.3 million trees are estimated to remove more than 2500 tons of pollutants from the air. Our kids are getting frustrated with the speed at which the world is adapting to climate change, we owe it to them to ensure we leave them with the best possible future so that they too can live a healthy existence, even if it is vastly different from our experience, after all this happen generation by generation looking at history shows us that to be true.

Hochkins Ridge area, planted out by CCS members about 25 years ago. It was barren before that. You may want to help maintain a patch where you live. This could lead you to meet some new neighbours, and the children can revisit in years to come to see the mature trees that they once held in the palm of their hand. If you live in North Croydon, we hope you enjoy walking through Hochkins ridge, but make sure the gravel paths don’t become wider by walking two abreast. You can also support our work by joining CCS for $15 annually to support our local conservation work. www.croydonconservation.org.au

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

OCTOBER 2023 | FIND MAROONDAH 15

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By Rachael Ward and Poppy Johnston

(Australian Associated Press)

There’s a proposal to create an Australiawide system to connect workers looking for a new job with employers seeking people with specialised skills and training. The federal government has committed $9.1 million to support a business case for a National Skills Passport, detailed in an employment white paper due to be released on Monday.

Skills passport wanted

to connect workers

and employers

The passport system is intended to help workers advertise their full range of qualifications, micro-credentials, prior learning, workplace experience and general capabilities. Businesses, unions, tertiary institutions and students are among those the federal government says will be consulted about the initiative. Treasurer Jim Chalmers said the goal was to make it easier for employers to find highly-qualified staff and for workers to have their qualifications recognised. “We want to make it easier for more workers in more industries to adapt and adopt new technology and to grab the opportunities on offer in the defining decade ahead of us,” Mr Chalmers said. Skills and Training Minister Brendan O’Connor said while there was a focus on shortages being experienced around the country right now, it was also crucial to make sure students’ skills were recognised so they could upskill, reskill and find work as the economy changes.

Business Council chief executive Bran Black welcomed the commitment, with the employer group a long-time advocate for such a scheme. “For employers, it will provide a nationally consistent format to view and verify the skills and competencies of a potential employee,” Mr Black said. Opposition skills and training spokeswoman Sussan Ley said the Labor government was trying to pass off a coalition policy as its own. The coalition took a skills passport policy to the last election that would have initially focused on credentials for working in the technology sector. “If students at our TAFEs or universities were found guilty of such plagiarism, they would suffer the consequences for blatant academic misconduct,” Ms Ley said.

She said Australians would already have a skills passport if the coalition had been re-elected. The Albanese government’s employment white paper follows on from the 2022 jobs and skills summit. It’s expected to bring together several reform agendas, such as changes to the migration system, under one banner. A new, broader objective for full employment is also set to be unveiled, instead of focusing on a narrow, statistical unemployment rate target. The Reserve Bank currently uses the non-accelerating inflation rate of unemployment as a tool to control inflation but excerpts from the paper assert a broader suite of measures is needed to track full employment.

OCTOBER 2023 | FIND MAROONDAH

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CONCESSIONAL CONTRIBUTIONS FINANCIAL PLANNER By Erryn Langley

Non-concessional contributions are contributions made to a retirement account with after-tax dollars, meaning the money you contribute has already been taxed at your regular income tax rate.

NON-CONCESSIONAL CONTRIBUTIONS FLOW CHART - FROM 1 JULY 2023

Key points about non-concessional contributions include: 1.

After-Tax Contributions: Non-concessional contributions are made with money that has already had income tax paid on it. This is different from concessional contributions, which are made with pre-tax dollars (such as employer contributions or salary sacrifice contributions), and these may be taxed at a lower rate within the superannuation fund.

Contribution Limits: Australia has annual and lifetime limits on the amount of non-concessional contributions you can make to your retirement account. Exceeding these limits may result in additional taxes or penalties.

Retirement Savings Growth: While the contributions themselves are made with after-tax dollars, the earnings and investment gains on these contributions within the retirement account are typically taxed at a lower rate or even tax-free, depending on the country's tax laws. This can provide a tax advantage over investing outside of a retirement account.

Flexibility: Non-concessional contributions can be a way for individuals to boost their retirement savings beyond what is contributed through their employer or through salary sacrifice arrangements. This can be particularly useful for individuals who want to catch up on retirement savings later in life or who have windfalls, such as an inheritance, that they want to contribute to their retirement account.

Reporting Requirements: It's important to keep accurate records of non-concessional contributions and report them to tax authorities as required by the specific retirement savings regulations in your country. Failure to do so may result in penalties.

Consideration of Personal Financial Situation: Nonconcessional contributions should be made with careful consideration of your overall financial situation and retirement goals. It's advisable to consult with a financial advisor or tax professional to determine the most suitable contribution strategy for your individual circumstances.

Please note that the specific rules and regulations governing non-concessional contributions. With the increase in the Transfer Balance Cap (TBC) from $1.68 million to $1.9 million, it is important to understand if you can or cannot contribute to superannuation. This is most important for those who are reaching their TBC or getting closer to age 75. It’s essential to stay informed about the rules and consult with a financial planner to make the most informed decisions regarding your retirement savings.

EXPLANATORY NOTES 1. TOTAL SUPERANNUATION BALANCE A person’s total superannuation balance is the sum of all money held by that person in superannuation at the end of the previous financial year (i.e. for 2023-23, at 30 June 2023). This includes both accumulation and pension interests, any amounts in the process of being rolled over, and in some cases, the person’s share of the outstanding balance of a limited recourse borrowing arrangement held by a SMSF . Interests in a defined benefit superannuation fund are subject to special treatment. Where a person had a total superannuation balance of $1.9m or more (at the 30 June 2023), their non-concessional contribution cap is $0, making them unable to make nonconcessional contributions in 2023-24. A person’s total superannuation balance can be found by checking their My.Gov account. [ITAA97 s.292-85(2)(b)] 2. MEMBERS TURNING 75 A superannuation fund is able to accept non-concessional contributions provided the contribution is received by the 28th day of the month following that in which the member turned 75. [SIS Regulation 7.04(1)]

OCTOBER 2023 | FIND MAROONDAH 17

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3. CONTRIBUTION BALANCE OF UNUSED CAP Where the three-year bring forward cap was triggered in either 2021-22 or 2022-23, and was not fully utilised (i.e. the contribution exceeded $110,000 in 2021-22 or 2022-23, but the total contributions made during the two year period were less than $330,000, the balance of the three-year cap may be contributed in 2023-24, provided their total superannuation balance at 30 June 2023 was less than $1.9m.

Total Superannuation balance

Less than $1,680,000

$330,000

$1,680,000 but less than $1,790,000

$220,000

$1,790,000 but less than $1,900,000

$110,000

$1,900,000 or more

The balance of a person’s three year cap can be found by checking their My.Gov account.

[ITAA 97 s.292-85] 4. SCALED BACK THREE-YEAR BRING FORWARD CAP The balance of a person’s three year cap can be found by checking their My.Gov account. Where a person’s total superannuation balance at 30 June 2023 was $1,680,000 or more, but was less than $1,900,000, the amount that can be contributed under the three-year bring forward rule is scaled back.

Maximum NCC

1300 557 144 | erryn@findwealth.com.au

Erryn Langley

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 Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint 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.

CONGRATULATIONS! WARREN STRYBOSCH Find Group

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

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

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA 2021 & 2022 The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.

OCTOBER 2023 | FIND MAROONDAH

2023 TAX UPDATES Modernising Individual Tax Residency Framework The ATO has finalised a tax ruling which provides additional relevant guidance on the statutory residency tests for individuals and how the Commissioner may apply them under s 6(1) of ITAA 1936. Taxation Ruling TR 2023/1 focuses on modernised ways of working, relevance of business or employment ties overseas and whether work duties can be performed from anywhere in the world.

Announcement(7-Jun-2023) Consultation period

Resident tax rates may be applied for individuals even where there are a tax resident in Australia for only a

Released(7-Jul-2023)

single day and pro-rata the tax-free threshold over the period of their residency in an income year. The ruling concludes that residency depends on individual facts and circumstances and no bright-line rules or any single factor can be considered to be paramount.

Small Business Energy Incentive Revenue NSW has determined that the current surcharge purchaser duty and surcharge land tax provisions for certain foreign residents are inconsistent with their nation’s international tax treaties with Australia. In response to this, effective immediately, individuals who are citizens of New Zealand, Finland, Germany and South Africa, will no longer be required to pay surcharge purchaser duty and surcharge land tax.

Announced: 21-Feb-2023 Updated: 12-Jul-2023

The above list was extended on 29 May 2023 to include India, Japan, Norway and Switzerland. Refunds may also be made available for payments made by the concerned taxpayers for residential property or land purchases on or after 1 January 2021.

NSW to Reimburse Surcharge Purchaser Duty and surcharge Land Tax Revenue NSW has determined that the current surcharge purchaser duty and surcharge land tax provisions for certain foreign residents are inconsistent with their nation’s international tax treaties with Australia. In response to this, effective immediately, individuals who are citizens of New Zealand, Finland, Germany and South Africa, will no longer be required to pay surcharge purchaser duty and surcharge land tax.

Announced: 21-Feb-2023 Updated: 12-Jul-2023

Digital Games Tax Offset Set Now Law The digital games tax offset (DGTO) has received royal assent and is now law. The DGTO is aimed at giving a boost to the digital economy as well as the digital gaming industry in Australia. This offset will allow eligible businesses to claim a refundable tax offset of up to 30% on qualifying Australian gaming development expenditure. The offset will be implemented through the creation of Div 378 to the Income Tax Assessment Act 1997. Rules on the application process have now been released to assist developers and the Arts Minister on the administration of the offset.

Announcement(23-Nov-2022) Consultation Introduced(23-Nov-2022) Passed(21-Jun-2023) Royal Assent(23-Jun-2023) Date of effect(1-Jul-2023)

2023 TAX UPDATES Superannuation Guarantee Compliance — ATO’s priority in 2023–24 The ATO released their corporate plan for 2023–24, and it highlights 8 key priorities, with superannuation guarantee (SG) compliance being one of them. The administration of reporting and payment of SG entitlements has become a key focus as the ATO continues to expand its data digitalisation program and non-compliance remains a concern.

Announced: 4-Aug-2023 Updated: 9-Aug-2023

For small businesses, ATO’s data digitalisation approach aims to minimise errors, save time and promote accurate and timely SG compliance. In the remainder of 2023–24, the ATO will continue to monitor whether employers pay correct and timely SG entitlements and penalise the ones that fail to do so

Small Business Technology Investment Boost — Compliance Guideline The digital games tax offset (DGTO) has received royal assent and is now law. The DGTO is aimed at giving a boost to the digital economy as well as the digital gaming industry in Australia. This offset will allow eligible businesses to claim a refundable tax offset of up to 30% on qualifying Australian gaming development expenditure.

Announcement(23-Nov-2022) Consultation Introduced(23-Nov-2022) Passed(21-Jun-2023) Royal Assent(23-Jun-2023)

The offset will be implemented through the creation of Div 378 to the Income Tax Assessment Act 1997.

Date of effect(1-Jul-2023)

Rules on the application process have now been released to assist developers and the Arts Minister on the administration of the offset.

Sharing Economy - Expansion of Reporting Regime Now in Effect Starting from 1 July 2023, operators of sharing economy platforms will be required to report transactional information to the ATO. The Taxable Payments Reporting System already applies to some businesses in industries where non-compliance is deemed to be high risk. By adding operators of sharing economy platforms to the regime, taxpayers who hold or use assets for short-term lease or contract work will also have their information collected.

Announcement(25-Aug-2021) Consultation

The identification of users of sharing economy platforms means that, as an adviser, you should be informing taxpayers who earn income off these platforms about their tax obligations. This includes operators of shortterm accommodation, ride-sharing transport and food delivery platforms.

Introduced(3-Aug-2022) Passed(28-Nov-2022) Royal Assent(12-Dec-2022) Date of effect(1-Jul-2023)

Some specific exclusions have been announced, including new smaller entrants to the market, large operators and traditional short-term accommodation. Also, other task or time-based service platforms will be required to report for income years beginning on 1 July 2024.

Principal Purpose of a Commercial Vehicle to Determine Application of Luxury Car Tax The ATO has finalised the luxury car tax (LCT) determination LCTD 2023/1 which provides guidance on determining the principal purpose of a commercial vehicle for LCT purposes. A car is excluded from the definition of “luxury car” if it is both a commercial vehicle and is not designed for

Announcement(23-Aug-2023)

the principal purpose of carrying passengers.

Consultation period Released

The tax determination also explains that vehicle body types and modifications done may also determine the level of ATO’s scrutiny. Utility vehicles, where the passenger capacity is less than 50% of the load carrying capacity are excluded for the purposes of this guideline. OCTOBER 2023 | FIND MAROONDAH

Maroondah Council News

OCTOBER 2023

New Honorary Freeman of the City Two members of the Maroondah community have been conferred as our newest Honorary Freeman of the City. Council conferred Mr Bernie Capicchiano and Dr Graeme Lorimer at an event on Tuesday 12 September, in recognition of their long and outstanding contributions to the community. Bernie and Graeme each received an Illuminated Address under the Seal of Council, acknowledging their achievements and in recognition of the Honour. Mayor of Maroondah, Councillor Rob Steane OAM, congratulated Bernie and Graeme. “I extend my congratulations to both Bernie and Graeme and thank them for their wonderful contributions to Maroondah and the wider community over many years,” Cr Steane said. Bernie was recognised for his contributions to music in Maroondah and the wider community, while Graeme was acknowledged for his work in environmental conservation, education and research. As the Founder and Owner of Bernies Music Land, his family business since in 1977, Bernie has shared his passion for music with many. He has been a major sponsor of The Ringwood Eisteddfod since 1984 and has served as President

since 2016, following 11 years as Vice President. Through this involvement, Bernie has assisted countless music students to perform and receive a critique from Australia’s top adjudicators. He has also held roles as a member and event sponsor of the Ringwood Chamber of Commerce, President and Treasurer of the Australian Music Association, and Board Member of Australian New Zealand Cultural Arts (ANZCA), among others. Bernie received the National Association of Music Merchants (NAMM) award in 2018, and The Ringwood Eisteddfod was recognised as the Community Event of the Year in 2022 as part of the Maroondah Australia Day Awards. “To me, helping people make music and sharing music is what it’s about. I’m very blessed to be able do to what I do,” Bernie said. “I’m very honoured to receive this award. I’ll treasure it for many years.” Dr Graeme Lorimer has been a dedicated educator, conservationist and volunteer for many years. His work has led to many positive environmental outcomes in Maroondah, including the protection of the rare Kilsyth South Spider-orchid. His Sites of Biological Significance in Maroondah 1995 to 1997 and Biodiversity in Maroondah (2020) Volumes 1 and 2 have also helped inform local biodiversity management. Graeme’s experience spans various

local, state and national roles. These include Convenor of the Friends of Bungalook Conservation Reserve since 1988, Fellow of the Clean Air Society of Australia and New Zealand, an Honorary Research Associate of the Royal Botanic Gardens and a member of the Maroondah Environmental Advisory Committee, among others. In recognition of his contributions, Graeme received the Citizen of the Year award in 2018 as part of the Maroondah Australia Day Awards and the Bill Wilkins Volunteer Award in 2020. “I’m very honoured to receive this award,” Graeme said. “Making a difference for the local community is something that I value, and being recognised by people in your local community counts for something that you don’t often get from many other broader awards.” Videos of Bernie and Graeme will soon be available on Council’s website and online channels. The videos provide a record of their achievements and tell their story about what Maroondah means to them. The distinction of Freeman of the City is the highest honour a Council can bestow on an individual. Bernie and Graeme join only seven other Maroondah residents to have received this distinction from Maroondah City Council.

MAY 2022

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Maroondah Council News

OCTOBER 2023

Stadium Sports Strategy adopted and recreation options available for our community, providing opportunities for competitive and social sport for all levels and abilities.

Council adopted the Stadium Sports Strategy at its meeting on Monday 18 September 2023. The strategy highlights key considerations that impact sports such as basketball, netball and volleyball within Maroondah. It also provides recommendations to help associations

and clubs further improve accessibility, following increased participation in these sports and population growth within Maroondah. Mayor of Maroondah, Councillor Rob Steane OAM, said the strategy will support the future needs of stadium sports within the municipality. “Stadiums in Maroondah have long played a valuable role in sport

“Following population growth and increased demand, it will be important for stadium sports to be varied and cater for all groups, so the Stadium Sports Strategy identifies priority recommendations over the next 10 years to ensure the needs of these sports can be met,” Cr Steane said. “Thank you to everyone who provided feedback during community consultation earlier this year.” The Stadium Sports Strategy will be available to read on Council’s website in the coming months.

Shopping excursions Every fortnight you will be transported to Eastland to do your shopping or relax and enjoy a coffee by yourself or with friends! This program offers a door-to-door transport service only. Where: Eastland Shopping Centre When: Trip runs every fortnight Pick up: from home between 9:00am & 10:00am and drop off between 12:00pm & 1:00pm Cost: $5.30 per trip Find out more

EV's Hangout EV's Hangout is a free weekly social drop in program. •

Socialise with existing friends or make some new ones

•

Play one of our videogame consoles, board games, or a round of pool

•

Chat with a youth worker

•

Enjoy free food and use our kitchen

•

Come and go as you please

•

Optional activities every week

Find out more

OCTOBER 2023 | FIND MAROONDAH

Maroondah Council News

OCTOBER 2023

The Australian INXS Show The Australian INXS Show is fully immersive "Wembley Style" INXS experience with a show that must be seen to be believed. Featuring a breathtaking original video show as well as a fully authentic 6 piece lineup delivering an energetic journey thru the songs that made INXS a household name for the past 4 decades. Fronted by the incredible Dellacoma Rio, whose uncanny portrayal of Michael Hutchence has captivated audiences worldwide. Find out more

Community Day 3rd Sunday of every Month A fun morning for locals to swap, share and connect Reduce-Reuse-Recycle, Celebrate-Connect-Collaborate Come see what’s happening at the Bedford Park Community Garden & Sustainability Hub based at Central Ringwood Community Centre. Room 10 (around the back of the building) Offerings each month will vary a little but regularly include : • Knife/scissor sharpening • Clothes swap/share (You can still participate if you don't have clothes to give) • etc.

Be Ahead of the Game - gambling and gaming awareness for parents/carer Join this Free information session to understand how the blurred line between gambling and gaming is placing young people at risk of harm. Discover the gambling-like tactics and features used by the designers of many popular online games played by young people and discover how parents and carers can help to keep them safe. Find out more

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Maroondah Council News

MAY 2022

OCTOBER 2023 | FIND MAROONDAH 23

OCTOBER 2023

Sustaining Your Creative Practice with Debby Maziarz Join the Maroondah Arts Collective for a deep dive into your creative practice. In this special workshop, delivered by Debby Maziarz, explore how to get your creative practice started (or restarted) and how to use your unique skills and assets to attract partners, resources and audiences. Find out more

Finding Families with National Archives Have you ever wondered where to find records that relate to your family? Patrick Ferry from the National Archives of Australia is going to give us an insiders view to the resources held by NAA and how to access them to assist with your research. War, Immigration and so much more. Find out more

ALWS Walk My Way Melbourne Walking Cricket is a fun and social, modified version of cricket that doesn’t involve running, uses modified equipment and is played in a small enclosed area. Aimed at participants aged over 50, Walking Cricket is designed to help people keep an active lifestyle irrespective of their age. It doesn’t matter if you’ve played cricket all your life or never played, Walking Cricket is suited to anyone and any fitness level. Read More

OCTOBER 2023 | FIND MAROONDAH

24 FIND MAROONDAH | OCTOBER 2023

Maroondah Council News

findmaroondah.com.au

OCTOBER 2023

Outdoor dining here to stay Council endorsed the Maroondah Extended Outdoor Dining Policy at its meeting on Monday 18 September 2023. Mayor of Maroondah, Councillor Rob Steane OAM, said the policy will help make Maroondah’s neighbourhoods and activity centres even more enjoyable. “Extended outdoor dining has made positive social and economic contributions to Maroondah’s neighbourhood activity centres,” Cr Steane said. “The Maroondah Extended Outdoor Dining Policy supports thriving,

liveable neighbourhoods for our community. It aims to ensure that opportunities for outdoor dining are implemented in a balanced way and also provides long-term guidance around supporting local hospitality businesses.” Extended outdoor dining was introduced late in 2020 to support hospitality businesses in recovering from the COVID-19 pandemic, which saw density limits and restrictions placed on indoor gatherings. Thirty-seven Maroondah businesses trialled free extended outdoor dining

over a two-year period. Six businesses expressed an interest in continuing to offer these spaces after the trial. The Maroondah Extended Outdoor Dining Policy responds to learnings and feedback throughout this trial period, considering feedback from business owners, the community and the Maroondah Business Advisory Committee.

Following overwhelming support for extended outdoor dining, the policy provides a longerterm framework for managing current and future applications.

Municipal Emergency Management Plan endorsed The Municipal Emergency Management Plan 2023-2026 for Maroondah has been endorsed by the Regional Emergency Management Planning Committee and noted by Council at its meeting in July. The Municipal Emergency Management Plan (MEMP) addresses the prevention of, response to and recovery from emergencies within the municipality of Maroondah.

Find out more

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Maroondah Council News

OCTOBER 2023 | FIND MAROONDAH 25

OCTOBER 2023

James N Stevens Scholarship applications open

Council is now accepting applications for the 2024 James N Stevens Scholarship. Worth $3,000, this scholarship aims to provide a local tertiary student with development opportunities, work experience and insights into a career in local government by partaking in a practical placement with Council. Council offers the scholarship annually in recognition of the many years of service to the local community by the former Deputy Town Clerk of the City of Croydon, the late Mr James (Jim) Stevens. Mayor of Maroondah, Councillor Rob Steane OAM, encouraged local students to apply. “The scholarship is a great opportunity for a Maroondah student. It provides a range of development opportunities, practical work experience within the Local

Government sector, and insights into the variety of services and programs that Council offers our community. I’d encourage eligible students to find out more and apply,” Cr Steane said. Previous recipient Ethan occupied a place within Council’s People and Culture team, gaining experience with Learning Development, Diversity, and Human Resources teams. Ethan praised the program and said the practical experience provided useful knowledge that related to his studies.

Applications are open to students who have successfully completed at least the first year of a tertiary course and are undertaking, or about to undertake, their second year of tertiary studies in one of the following areas: • Finance/Accounting • Records Management • Information Technology • Customer Service • Human Resources • Council Administration (ie Governance) • Rates/Revenue • Risk Management

“It’s really good to see how all of my learning can be applied in real life and how everything went on behind the scenes,” Ethan said.

The successful applicant will partake in a practical placement between November 2023 and February 2024.

“I’d encourage future students to apply. It gives you a taste of what your career could be like.”

Applications close on Sunday 5 November. Apply or find out more about the James N Stevens Scholarship.

Heathmont Centenary Celebration at Heathmont Village Join us for our Heathmont Centenary Celebration at Heathmont Village Shopping Centre as part of the Centenary celebration of Heathmont's naming 1923-2023.

Find out more

OCTOBER 2023 | FIND MAROONDAH

Are you Not-For-Profit in Maroondah Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to editor@findmaroondah.com.au and we will place it in the paper for FREE.

Maroondah

Ltd

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

NOT-FOR-PROFIT

OF THE MONTH CROYDON RSL

Croydon RSL, founded on 24 May 1923, has supported the veterans of Croydon and surrounding areas for nearly 100 years. We are located at 1 Civic Square, Croydon & describe ourselves as a ‘Traditional RSL’ where our veterans come first and our members are at the heart of everything we do. We are open on Wednesdays and Fridays from 1pm. Every fortnight we host a Meal Night where everyone is welcome to experience the hospitality of our members. The Women’s Auxiliary and volunteers provide a wonderful meal and raffle. We encourage our guests to join us prior to 6pm to experience the traditional ‘Stand To’ where we pay our respects to the fallen. Proceeds raised from meals & raffles go back into the Sub Branch. We have a wonderful collection of memorabilia on display and are always on the lookout for stories and artefacts from our local residents. We welcome Schools and Community Groups to attend and learn more about the history of conflicts and hear the personal stories of those who’ve served. April is a significant month for the Veteran community and we look forward to sharing our ANZAC events with our local community, in support of our Veterans and their service. In April 2024, we will hold our annual Veterans March. We will be joined by 408 Squadron Cadets, our very talented Piper and Bugler, local councilors, veteran organisations and of course our veterans. Locations and times will be available on our website We look forward to seeing you there. On Thursday 25 April our traditional Dawn Service will be held at the War Memorial located at the James N Stevens Memorial

OCTOBER 2023

EDITION

Lawn at Civic Square, Croydon. This is the first service to be held at this location. In previous years it was at the War Memorial on the Kent Ave / Croydon Rd roundabout before the War Memorial was relocated to its present position. April is also the month for the ANZAC Appeal. This is an opportunity for our RSL to raise much needed funds to contribute to the care and welfare of all veterans. Keep an eye out for our hard-working volunteers’ selling badges in the local area. They can pop up in Croydon Central, Bunnings Bayswater and Main St Croydon as well as roaming sellers at local events and locations. If you have an interest in helping out with the ANZAC Appeal and would like to volunteer, please contact us on admin@croydonrsl.org.au We welcome all past and present service personnel in the local area to join us at Croydon RSL, to experience conversation, mateship and support.

NOT-FOR-PROFIT EVENT ADVERTISEMENT

OCTOBER 2023

Abbeyfield Community House in Croydon Abbeyfield Houses is a large group house but it is not an institution or a facility. It is an ordinary house in an ordinary street. Our house provide supported accommodation for up to 10 people aged 65 years or more who are looking for affordable independent living. Abbeyfield residents live independently within a shared, supportive environment. The residents ‘come and go’ as they please, socialise with other residents as much as desired, enjoy the support of a housekeeper and remain engaged with the community.

Abbeyfield Croydon is the first purpose-built Abbeyfield house in an outer suburb of Melbourne Abbeyfield Croydon is a well maintained and affordable accommodation option for older people who are looking for a private bedroom, support,quality meals and companionship. The home is situated in a suburban street in Croydon, in a lovely garden setting, close to shops and transport within easy walking distance. It provides safe, homely and affordable housing for older people in our community.

All residents enjoy individual private suite comprising bedroom and ensuite and share a comfortable lounge room, dining room, garden, and laundry. Nutritious meals are cooked onsite by the housekeeper and all maintenance and house costs are covered by Abbeyfield Australia. All Enquires to admin@abbeyfield.org.au or 03 9419 8222. Contact us to talk about living in an Abbeyfield house to help you stay independent, happy and active!

NOT-FOR-PROFIT EVENT ADVERTISEMENT

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OCTOBER 2023

OCTOBER 2023 | FIND MAROONDAH 31

OCTOBER 2023 | FIND MAROONDAH

NOT-FOR-PROFIT EVENT ADVERTISEMENT

OCTOBER 2023

NOT-FOR-PROFIT EVENT ADVERTISEMENT

OCTOBER 2023 | FIND MAROONDAH 33

findmaroondah.com.au

SENIORS INFO HUB Short talks and information tables on a variety of topics such as local social groups, volunteering opportunities, home care packages and other support services.

This upcoming event promises to be an informative and engaging session for those seeking more information about local social groups, volunteering opportunities, home care packages and other support services. The event will commence with a series of guest speakers, who will each speak for a few minutes on their respective topics. You can expect to hear from experts in their fields, who will provide valuable insights and advice. After the guest speaker session, you will have the opportunity to explore the 'marketplace' area, where you can visit each table to gather flyers and brochures, as well as ask questions. This will be a great chance to learn more about the services and support available in the local community.

A light morning tea will be provided for attendees to enjoy. So, come along and join us for a morning of learning and discovery! In attendance will be: Commonwealth Department of Health and Aged Care Maroondah City Council Elder Rights Advocacy Uniting AgeWell Living Our Best Life Project Plus - hear about social groups and activities at Arrabri! This is a free event, but we request a donation to help with costs if you are able.

Thursday 12 October 10AM - 12PM

42 Allambanan Dr Bayswater North www.arrabri.org

9720 0877

U3A Visit to Russell Halden During August U3A’s Art Appreciation class visited local Ringwood artist Russell Halden. Russell is a self taught artist working mainly in oil paint and working from photos he has taken on his extensive travels throughout Australia. Russell was working on a new painting and he was very generous with his time and knowledge. He gave the class an interesting and informative insight into the basic construction of a painting. As the class has mainly been studying contemporary Australian artists this year, it was great to see an artist while they had a work in progress. Many thanks Russell, we really enjoyed your valuable input to our class knowledge. For more information 0481591576

OCTOBER 2023 | FIND MAROONDAH

NOT-FOR-PROFIT EVENT ADVERTISEMENT

34 FIND MAROONDAH | OCTOBER 2023

Boronia View Club will be meeting on Friday 21 July at 11.30am at Eastwood Golf club Liverpool Rd., Kilsyth with a 2

OCTOBER 2023

findmaroondah.com.au

Boronia View Club

course lunch costing $27 followed by Jennie Wynd (Victorian Advisor-Melbourne VIEW Clubs) speaking about "The Smith Family support program". There will be a 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 educational requirements. The club is looking for new members so ladies of all ages and backgrounds please come along and you will be most warmly welcomed. There is also opportunity for outings, film mornings, book club, coffee mornings etc.

Enquiries to Judith on 9764-8602

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

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

OCTOBER 2023

The Wellness Challenge with Nutrition Australia and YMCA Join our 6-week wellness challenge this Spring! Ready to make your health a priority? Join us for our six-week Wellness Challenge! This spring, we are excited to offer you the opportunity to participate in Eastland's Wellness Challenge in partnership with Nutrition Australia and YMCA. It's only $20 to sign up to our 6-week challenge, and includes: • An in-person session with a Nutrition Australia dietitian, a body scan, and a

21 OCT --2 DEC

consultation with a YMCA representative. • A free body composition scan. Find out More

• Access to the Technogym app. • Live online nutrition and exercise information sessions. • Access to wellbeing and nutrition information articles and recipes. • A review at the end of the challenge at a 1:1 in-person session.

Discover more

House - Save 50% OFF on Baccarat Le Connoisseur

Discover more

Zing Pop Culture - Halloween Range Out Now

Discover more

Hop Into Haigh's

36 FIND MAROONDAH | OCTOBER 2023

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RETIREMENT &

OCTOBER 2023

AGED CARE

AGED CARE By Warren Strybosch

The maximum permissible interest rate (MPIR) has cracked the 8% mark with another increase this quarter from 7.90% to 8.15%. This rate will apply to new residents entering care between 1 October 2023 and 31 December 2023. The MPIR is the maximum rate that can be charged to calculate the daily payments for outstanding accommodation balances. For example, the MPIR is used to calculate the Daily Accommodation Payment (DAP) for those not paying 100% of the accommodation payment as a lump sum (RAD). The MPIR is also used when a low means resident converts their Daily Accommodation Contribution (DAC) into a lump sum Refundable Accommodation Contribution (RAC).

The cost

of Aged

Care just increased

Please note, changes to the MPIR generally do not impact existing residents as the rate for each resident is determined at their date of entry. However, the MPIR may change if the resident changes rooms within the same facility so it is always important to confirm with the facility.

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 www.centrepointalliance.com.au | Warren Strybosch is Authorised representative (No. 236815) of Alliance Wealth Py Ltd. This information has been provided as a general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriates of the advice. You should obtain and consider the relevant Product Disclosure Statment (PDS) anf seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mention in this communication. Whilst all care has been taken in the preparatin 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 representative accepts responsibility for any loss suffered by any person arising from reliance on this information.

OCTOBER 2023 | FIND MAROONDAH 37

findmaroondah.com.au

RETIREMENT &

AGED CARE

OCTOBER 2023

Pensions got a boost in September 2023 RETIREMENT By Warren Strybosch

From 20 September 2023, in addition to the increases recently legislated to working age allowances and rent assistance, Social Security and DVA pensions will also increase on due to indexation. The following tables summarise the latest rates and cut-off thresholds for pension payments (eg Age Pension, Service Pension, Disability Support Pension, Carer Payment). Per Fornight

Per Year

Single

$1,096.70

$28,514

Couple (combined)

$1,653.40

$42,988

Full Pension

Part Pension

Single-homeowner

$301,750

$667,500

Single-non-homeowner

$543,750

$909,500

Couple-homeowner

$451,500

$1,003,000

Couple-non-homeowner

$693,500

$1,245,000

Full Pension

Part Pension

Single

$204 pf

$2,397.40

Couple (combined)

$360 pf

$3,666.80

Asset test thresholds:

Income test thresholds:

Commonwealth Seniors Health Card income thresholds: Client Category

New threshold

Single

$95,400

Member of illness separated couple Member of respite care couple Member of partnered (partner in gaol) couple Couple (combined)

Warren Strybosch Award winning Financial Adviser and Accountant

$152,640 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

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

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.

OCTOBER 2023 | FIND MAROONDAH

PAGE

38 FIND MAROONDAH | OCTOBER 2023

findmaroondah.com.au PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to info@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 00 • Find Accountant ----------------- 38 • Financial Planning ------------- 40 • Find Insurance -------------------- 39 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 39 • Life Coach --------------------------- 40 • Mortgage Brokering ----------- 40 • Signages ------------------------------ 00 • Solicitor/Lawyer ------------------ 39

TRADIES - FREE ADVERTISING Email your artwork to editor@findmaroondah.com.au If you wish us to create your ad, we will do this for a minimal cost. Go to www.findmaroondah.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

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OCTOBER 2023 | FIND MAROONDAH 39 PROFESSIONAL SERVICES

findmaroondah.com.au

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

www.findinsurance.com.au

1300 88 38 30

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

General Insurance We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only

We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents

• Landlord Insurance • Height Safety Insurance

• Caravan • eBikes

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

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

Visit us Here

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

Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing. www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a

ABN: 26689211803

Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

Mercantile Legal are a unique Commercial Law firm practising in all states of Australia, with offices in Melbourne, Sydney and Brisbane. SERVICES

• Debt Recovery

• Family Law

MELBOURNE OFFICE

• Litigation

• Contracts

Australia | 03 9098 8750

• Insolvency

• Will and Estates

Sydney Office

• Property Law

• Intellectual Property

Sydney, Australia | 02 9211 9980

• Restructuring

• Compliance and Governance

Level 40, 140 William Street, Melbourne,

MLC Centre, Level 57, 19-29 Martin Place, Brisbane Office Astor Centre, Level 11, 445 Upper Edward Street, Spring Hill, Australia | 0422 114 300

OCTOBER 2023 | FIND MAROONDAH

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40 FIND MAROONDAH | OCTOBER 2023

findmaroondah.com.au PROFESSIONAL SERVICES

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

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

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

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

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REECE DROSCHER MORTGAGE BROKERING

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

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

Areas of Expertise

Contact Details

WHS/ OHS

Manufacturing

mfelton@beaumontlawyers.com.au

Regulatory Compliance

Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

Succession Planning

PO Box 61, Mooroolbark VIC 3138

Business Management

Operations

03 9727 1376

MARK FELTON

As your financial adviser, I am passionate about providing quality advice and solutions personalised to your needs. I commenced my career as a financial adviser in 2018 and became an authorised representative of Alliance Wealth Pty Ltd on 13 December 2021.

I am Authorised To Provide The Following Financial Services: •

Superannuation and Retirement Planning

Other Financial Planning Services

•

Wealth Creation and Investments

•

Budgeting and Cashflow Management

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703 Whitehorse Road, Mitcham VIC 3132

03 9872 5455

admin@findwealth.com.au

OCCUPATIONAL HEALTH & SAFETY

LOCAL TRADIES

PAGES

TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals? Consider joining the Find Maroondah Network group. Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

INDEX LOCAL TRADIES SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

ADVERTISE HERE

OCTOBER 2023 | FIND MAROONDAH

PAGES

HOME & GARDEN

BUSINESSES Do you provide Home and Garden services in the Maroondah region? Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Gutter Protection ------------------ 42 • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

HEALTH & BEAUTY

PAGES

BUSINESSES

Do you provide Health and Beauty services in the Maroondah region? Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 44 • Swen Pouches ---------------------- 45 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

DR JOANNA STRYBOSCH ADVANCED PAEDIATRIC OSTEOPATH & LACTATION CONSULTANT

The Melbourne Therapy Centre

PROVIDING PERSONAL & CARING SUPPORT

221 Wonga Road Warranwood VIC 3134 Phone: +61 3 98 76 3011 Mobile: +61 400 049 410 joanna@osteolc.com.au | www.osteolc.com.au

FOR YOU & YOUR BABY

OSTEOPATHY

LACTATION CONSULTING

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

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

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

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

LEARN MORE

• • • •

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

LEARN MORE

OCTOBER 2023 | FIND MAROONDAH

PAGES

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

HEALTH & BEAUTY

SPORTS OCTOBER 2023 EDITION

FREE ADVERTISING

FOR YOUR SPORTING CLUBS In-Kind Sponsorship with Find Maroondah Community Paper We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports.

For more information

contact Warren on

1300 88 38 30 editor@findmaroondah.com.au

OCTOBER 2023 | FIND MAROONDAH

SPORTS

OCTOBER 2023 EDITION

Norwood Netball Club

Rhett Jordan Statement This has been a hard thing to write and has taken me a while to make the decision but the time has come for me to choose between head and heart. I have spent 10 amazing years at Norwood and it has been like a second home for me and my family. To be able to win a premiership, play 150 games, Captain the club and be able to run out each week with a great group of people! With that I now need to look at the next phase of my career and look to pursue something that I have been working towards for many years. To be able to take on a playing coach role back at my junior club and use everything that Norwood has taught me to build into phase 2 of my football career. To all the coaches who have helped me along the way; Denis, Pat & Marty. Jethro and the committee, the trainers and volunteers at the club, the supporters especially those on the hill in the pocket and lastly all of the blokes who have made me look good on the field. It has been an unforgettable journey and something that I will always cherish being a part of!

Norwood Coaching

Application Norwood FC are currently seeking applications for senior head coach and development squad coach. Applications will be closing Friday 29th September. All applications can be sent to norwood@efnl.org.au to the attention of Mark Etherington.

Norwood Netball are proud to announce the signing of Holly Whitfield for the 2024 season. Playing in our premiership side in 2023, Hol is locked in to join our defensive line up in 2024. Hol’s favourite food (like many of us I’m sure) is Pasta! Dr Holly is a self labelled study queen and soon to be club doctor, donating her precious time between saving lives! Holly loves the fun we all have down at Norwood and as no shock, she may be the reason we all laugh. Holly follows the Vixens in Suncorp Super Netball and her favourite player is Kate Moloney. We’re glad to see your return to Norwood in 2024 Hol!

SPORTS

SEPTEMBER 2023 EDITION

Round 1 is Here! Unfortunately the Dorset is not playable this week with the rains so we have 2 sides running out tomorrow. Here are the teams for Round 1. The ones are away at East Ringwood. 12pm arrival for a 1pm start. The 2's kick the year off at Jelmac Directional Drilling Reserve tomorrow. 1pm start time as well. If you aren't playing lets get down and support the teams, the Canteen and Bar will be open at the nest.

SECURE YOUR SPOT TODAY! Limited tickets available! Secure your spot today before they're gone! Don't miss out on an epic night of celebration! Join us as we mark a momentous occasion in the history of Eastfield Cricket Club - our 50th Anniversary Function. We are beyond excited to invite you to be a part of this incredible milestone. Get ready for an unforgettable evening where we will not only honor our club's remarkable achievements but also pay tribute to the invaluable contributions made by our past and present members. This event is the perfect opportunity to reconnect with former teammates and relive the incredible moments we've shared on and off the field. And guess what? We have a special guest joining us - the one and only Damien Fleming! For just $75 per person, you'll get to enjoy a delectable twocourse meal while immersing yourself in the festivities. Don't wait any longer, click on the link below to purchase your ticket and secure your place at this extraordinary event. https://www.trybooking.com/CLQTC.

OCTOBER 2023 | FIND MAROONDAH

OCTOBER 2023

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

findmaroondah.com.au

OCTOBER 2023 | FIND MAROONDAH 49

An Open Letter to the

Maroondah Community The following statement is addressed to the City of Maroondah community and comes from church leaders who are the signatories below. We acknowledge that we don’t formally represent all churches and their leaders, nor at some points, the diversity of views within our own congregations. Since the arrival of white settlers in 1788 to these lands now known as Australia, the Christian Church has had a paradoxical relationship with Australia’s First Peoples. Some churches approached the First Peoples with good intentions, standing with them in the name of justice, considering their wellbeing, culture, and language. However, others shared the values of the emerging colonial society, including paternalism and racism. They were complicit in the injustice that resulted in many of the First Peoples being dispossessed from their land, their language, their culture, and their spirituality. As current church leaders in the City of Maroondah, we acknowledge this difficult history, and we make this statement to encourage our church communities and the wider community to engage in the important community conversation on the proposed Indigenous Voice to Parliament. During this time, whilst so much is said and written, we encourage the City of Maroondah community to accept the generous invitation of our local First Peoples to engage with them and their planned activities, to carefully listen to their stories and to the voice of their Leaders. We note that the proposed Voice to Parliament comes not through normal political channels, but as the result of a gracious invitation to the Australian people through the Uluru Statement from the Heart that says [in part], “We seek constitutional reforms to empower our people and take a rightful place in our own country. When we have power over our destiny our children will flourish. They will walk in two worlds and their culture will be a gift to their country.

“We call for the establishment of a First Nations Voice enshrined in the Constitution. “We invite you to walk with us in a movement of the Australian people for a better future.” It is not our place to advise people how they should vote. However, we wish to encourage the community not to play into the polarised political world, but to rise above it and to engage with respect and kindness, even when we disagree with each other. Prejudice, violence, and discrimination in any form do great harm to the fabric of our community. Jesus Christ, and others throughout history who have called for justice in non-violent ways, provide us with wonderful examples of how we must always seek justice; to speak out against injustice and to care for the oppressed and the marginalised. As Christian leaders, we call the Church, in particular, to the way of reconciliation between the first and second peoples of our country and to see this as a sign and symbol of that coming reconciliation and renewal, which is the end in view for the whole creation. Grace and peace, Ps Kaye Reid, Ringwood Church of Christ Ps Andrew Harris, Croydon Hills Baptist Church Rev Peter Mallen, Croydon North Uniting Church and Croydon Uniting Church Ps Scott Hawkins, Urban Life Church Ps Tom Kenneally and Ps Kay Brown, Ringwood Community Church Rev Andy Tiver, Ringwood North Uniting Church Rev Lucas Taylor, Ringwood Uniting Church Ps Mark Nidenko, Heathmont Baptist Church Ps’ Cliff and Philippa Fielding, TLC Church Rev Robert Humphreys, Maroondah Fellowship of Churches Adam Bryant, Chaplain, Ringwood Secondary College

With thanks to the Mornington Peninsula Pastors Network for the wording of this statement.

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Hope City Church Croydon Hills Baptist Church

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

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

Services

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

• English Sunday 10am

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

• Karen Sunday 1pm

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

• English Sunday 6pm

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

Transform Pastor - Ben Dickson

their lives through energetic praise and intimate worship.

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

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

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

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

Canterbury Gardens Community Church Our Mission Why do we exist? We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

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

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

RINGWOOD COMMUNITY CHURCH 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

•

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

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

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

1 Tamar St, Ringwood VIC, 3136

Rd Croydon hills

(03) 9870 0102

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