Maroondah The SEPTEMBER 2022 WHAT’S INSIDE: 04 COLUMNIST ARTICLES 28 TAX UPDATES 40 MAROONDAH COUNCIL NEWS 34 72 FIND WEEKLYCOUPONSRENTAL LISTINGS UPDATES SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH 06 ROYAL MELBOURNE SHOW info@findaccountant.com.au | www.findaccountant.com.au PLATINUM SPONSOR SEPTEMBER SPONSORSEPTEMBER SPONSOR FIND WEALTH www.findwealth.com.auerryn@findwealth.com.au 1300 557 144 FINEANTICS BOOKKEEPING www.fineantics.com.auleah@fineantics.com.au 0400 905 505 See full article on Page 06
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RUSS HAINES
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MARK FELTON
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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. 2022. 2022. 276mm) 276mm) 276mm) 90mm) 137mm) Services
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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.
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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.
EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findmaroondah.com.au
The Find Maroondah was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Maroondah has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.
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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.
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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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.
To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you.
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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.
findmaroondah.com.au 3SEPTEMBER 2022 | FIND MAROONDAH 3SEPTEMBER 2022 | FIND MAROONDAH
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.
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Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing
controls over these work practices and help take the stress out of safety. Health and Safety management system can be used to track everything from safety policies and procedures, to training records and incident reports.
want to reduce your stress levels in managing your business’s health and safety obligations? Do you have effective systems of health and safety management in place? Are you adequately keeping your employees and yourself healthy and safe? Is your documentation adequate? Often businesses have at least rudimentary
By MarkOCCUPATIONALFelton
Mark Felton
• Operating machinery without proper training or supervision.
Are you feeling overwhelmed trying to keep your business’s Health and Safety in control? How do you gain and maintain control, and then demonstrate this to others? How do you communicate this to your workforce and create a safe and healthy
• Not wearing proper Personal Protective Equipment (PPE).
A documented Health and Safety Management System will also be of great assistance in staying compliant with government regulations. It also provides a framework for preventing accidents and injuries in the workplace. Plus, it's an invaluable resource for supporting you and your business in health and safety
• Failing to report unsafe conditions or near-miss incidents.
• Working in an area that has not been adequately assessed for hazards.
A documented Health and Safety management system can provide
• Working in an unsafe posture or lifting heavy objects improperly.
Health and Management Systems, but documentation is poor. We assist business owners identify what they need to have in place, and then ensure effective systems and documentation are implemented. Checks are put in place to monitor effectiveness, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost-free initial discussion.
• Failing to follow established safety procedures.
• Tampering with safety devices or failing to report defects.
Take a Look
Workplaceculture?health and safety should always be a core priority but unfortunately, accidents can still happen, even when precautions are in place. To help ensure a safe working environment, a list of the 10 most common unsafe work practices to avoid is assembled below:
Doaudits.you
• Engaging in horseplay or other reckless behaviour.
Occupational Health & www.thebeaumontgroup.com.auSafety
• Not using the proper tools or equipment for the job at hand.
4 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
HEALTH & SAFETY
• Handling hazardous materials without taking proper precautions.
10 most common unsafe work practices to avoid
By Russ Haines HERITAGEOAM&
findmaroondah.com.au 5SEPTEMBER 2022 | FIND MAROONDAH 5SEPTEMBER 2022 | FIND MAROONDAH
In 1936, Colonel F.J. Davey gave his house “Ware” and ten hectares of adjoining land in East Ringwood, as a gift to the Graduate Association of the Melbourne Kindergarten Teachers' College, to be used as a holiday home for pre-school children. Later donations by J.B. Were and Son, the Auxiliary of the Free Kindergarten Union of Victoria and other interested parties, funded a new holiday home at the site called Warrawong, completed in 1958. The house and land were above where the Maroondah Hospital is today,
Collingwood and North Melbourne. By the end of World War II there were 76 kindergartens in Victoria with 4,095 children attending. Although Maroondah did not establish a kindergarten or preschool facility as early as many inner Melbourne municipalities, it did have a significant role in the development of Victoria's kindergartens and preschools.
thus producing the road’s names of Ware Crescent and Davey Drive.
Free kindergartens were founded between 1901-1907 in Carlton, Burnley,
In the late 1960s, with changes in community needs, it was decided the complex would be more useful providing day-care for pre-school children. At the end of World War II, a group known as the Ringwood Pre-school Parents' Club was formed, to establish a play-group for local children. In 1946, a Play Centre was conducted from the old St Paul's Parish Hall, in Pratt Street. A Modernist design kindergarten was constructed in 1954-55, on land in Greenwood Park, given to the Ringwood Council by former Mayor Dr Colquhoun. Later, further kindergartens and preschools opened in the municipality to cater for the growth in young families, many of whom moved to Maroondah after World War II.
Kindergartens of Ringwood
“Ellie Pullin, past President of the Ringwood Historical Society, was a driving force to get kindergartens in Ringwood”
The kindergarten or “childrens' garden” movement developed from the ideas of German educationist Friedrich Foebel (1782-1852), who believed that children up to the age of seven should grow creatively, instinctively and spontaneously like a plant or an animal, and activities for mind and body should be designed to encourage this. In Victoria, a kindergarten at Kew was founded around 1899, and was run as part of the independent girls school Ruyton. The Education Department for a brief period commenced training teachers in subprimary teaching from the late 1880s.
HISTORY
With lots of events already up and more being added daily leading up to this year's Show, it's time to plan your day!
Tickets are only available for purchase online this year - head to royalshow.com.au to plan ahead and make your ticket purchase Greattoday.Value Tickets
LEARN MORE IT's HAPPY Time
PURCHASE YOUR TICKERST HERE!
Show plans sorted
As you browse the Melbourne Royal Show website you can add events to your favourites, and get a custom itinerary for the day you want to visit.
Animals on Show
Are you wondering "how am I going to see EVERYTHING at the show this year?" Wonder no more because the daily program has arrived!
6 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Pentavite Junior Harvest Journey
Come and explore this new family friendly farm-themed precinct. full of free activities for the whole family, it's not to be missed. Be sure to snap a pic in front of the amazing hay bale animals, get stuck into digging for veggies!
Where do else do you want to be but in a space filled with fluffy, cuddly, adorable baby animals? The animal nursery is a cuteness overload. Get up close to baby goats, lambs, ducklings, chooks and more. Buy a cup of feed to hand-feed the animals and chat to the farmer to learn about how the animals are cared for and raised back home on their PURAfarm.
With all kids aged 14 years and under free, this year's show is even greater value.
PLAN YOUR DAY!
Milking Experience
Try your hand at the milking experience at the PURA Pavilion. Meet some friendly Jersey cows, learn a new skill and find out more about life on a dairy farm!
MELBOURNE ROYAL SHOW - THE SHOW IS BACK!
Animal Nursery
The agricultural competitions are the heart of the Melbourne Royal Show. The Kubota Australia Livestock Pavilion is a hive of activity throughout the Show with different animals competing every single day, so head there to cheer on the champions!
IT'S FUN TIME
It's CREATE time!
Go Behind The Scenes
MeetShow.Local Heroes
Meet local heroes in the 9News Lifestyle & Local Heroes Pavilion at the 2022 Melbourne Royal Show. Don't miss the familyfriendly activities from Fire Rescue Victoria and Victoria State Emergency Service, as well as free education activities for children. Learn more about railway safety with Metro Trains as they set up on of their very own carriages.
LEARN MORE
Ever wonder what it takes to present the news each night? This is your chance to sit in the main chair and record your own 9News bulletin. Are you a fan of the block? Take a photo at Block HQ and have a crack at building your very own block house. Don’t miss all the action at the Channel 9 site, located in the 9News Lifestyle & Local Heroes Pavilion, from 10am to 6pm daily during the 2022 Melbourne Royal
Artist In Residence
IT'S CRAFTING TIME
Get creative and take home your on handmade Show memento from the Spotlight Makers Space in the Spotlight Makers Pavilion. Try a range of art ad craft activities with the help of talented makers.
elbourne based printmaker Jackie Jackson from Jax Studio Melbourne, takes up residency in the Spotlight Makers Pavilion. She will work on a variety of pieces and be on hand to answer an6 creative questions you may have! Add this must-see event to your favourites using the Daily Program!
findmaroondah.com.au 7SEPTEMBER 2022 | FIND MAROONDAH 7SEPTEMBER 2022 | FIND MAROONDAH
Spotlight Create Space
• office space risk assessment.
• drafting plans and drawings through CAD or 3D design technology
How an architect can help with commercial fit outs
• following relevant state and federal workspace design regulations
The choice, however, is yours. If you need to save time and money and are prepared to accept short cuts in quality, a commercial interior designer may be the best person for the job. For work done your way with expertise and within budget, employ an architect.
• reception areas
Thepremises.tenant
A fit out company might do a good job and project manage your fit out for you, but can you trust them entirely?
An architect has spent several years (at university) studying the art of building and is constantly updating his or her qualifications to retain their licence to practise. They have experience and keep up with the technologies and research in building and design. A commercial interior designer can have experience but, apart from their previous projects and testimonials, there is no accountability as to their skills being up to date or having knowledge of the latest research and trends.
It is vitally important that builders and those who are designing your fit out work together in order to ensure the building is comfortable for all tenants and that it is
Fit outs can include plastering, electrical wiring, data cabling, flooring, decoration, lighting, mechanical installations, furnishings and other fit-for-purpose improvements made to the interior of
• spatial assessment and planning
Once building has begun, it is easier to change your mind about the internal layout if you have employed an architect. Your builder will submit variations for approval via the architect who will inform you of the cost implications throughout the process.
Another factor to consider is that an architect is hired by you and works for you, not the builder, whereas the commercial interior designer may be hired by the builder. They will be looking to keep costs down and so may select inferior-grade building materials and take short cuts, saving you time and money in the short term but perhaps causing bigger expenses down the track. On the other hand, an architect will work to achieve the best design for you (and their reputation) within your budget. In the end, you get what you pay for.
• special facilities in board rooms, conference rooms, meeting rooms and so on
Contact KIR Architecture at contact@ kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.
Both independent architects and commercial interior designers analyse your requirements and come back to you with a concept design. When you’ve agreed to them, they submit planning and building control applications (if required) and prepare drawings and a specification for construction.
running in an energy-efficient and costeffective manner.
Architect versus commercial interior designer
• design and decorative consultation
• kitchen areas.
So who do you choose – an architect or a commercial interior designer?
When a business has to shift premises, rarely will the interior of the new building be laid out to suit the business’s requirements. New walls may need to be constructed to make more rooms, ceiling heights may need to be lowered or heightened, appropriate shelving and cupboards may need to be installed.
All architects will have the above skills and experience in as they are required to keep their training up to date; a commercial interior designer is not.
Most commercial interior designer will have skills and experience in:
By KathyARCHITECTIsmail
can discuss their requirements with a commercial interior designer or an architect. Design elements can include the installation of:
8 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.auKathyIsmail Architect KiR ARCHITECTURE 0422 026 962 | www.kirarchitecture.com
What is involved in a fit out?
• furniture and amenities sourcing and fit out
This is called a “fit out”, defined as “the work needed to complete the internal layout and servicing of the building shell to meet the specific needs of an incoming occupier”. The base construction and foundations are designed and built by an architect, a builder or both in partnership in conjunction with the landlord. Fit outs can be designed by an architect or interior designer in conjunction with the tenant.
• offices
• specialist lighting
• Over 15,800 are recorded as current financial advisers on ASIC’s Financial Adviser Register (FAR), representing 95% of current advisers on the FAR.
1. Have you passed the FASEA exam?
2. Have you completed your education requirements or are on track to do so?
• Over 3,300 unsuccessful candidates have re-sat the exam, with 74% passing at a re-sit.
If the advisor has not passed the exam and is not likely to meet their education requirements by 2026, then you need to consider whether they are the right advisor you want to be dealing with. Otherwise, you might start off with the first advisor only to find you have no choice but to move onto another advisor. This is not an ideal situation for anyone especially retirees. Also, moving to another advisor might require you to start all over again and who wants to pay all those initial fees again?
At Find Wealth, all our advisors have passed their FASEA exam and either have completed all their studies or will have well before the 2026 deadline. You can have peace of mind when dealing with Find Wealth that you won’t have to start all over again.
“If your licensee ceases your authorisation on or before 30 September 2022, you will still need to pass the exam before you can become re-authorised and re-commence providing personal advice. However, you will not need to complete a professional year and you will have until 1 January 2026 to obtain an approved degree.
Has your Financial Advisor passed their Exam? If not, they CANNOT provide advice from October 2022 onwards until they meet new requirements
“ForOctober.financial
ASIC confirmed that 76 per cent of the candidates were resitting the exam for at least the second time.
• Over 2,500 are ceased advisers on the FAR and may be re-authorised in the future.
new laws that was introduced for all financial advisors, existing as well as those entering the financial planning industry, was to sit the FASEA exam. Since the introduction of the exam and the requirement to update financial planning qualifications from a diploma to at least a bachelor standard, the profession as seen a increase in the numbers of those leaving. No longer is this a place for salespeople.
It is important as consumers to ask the following questions of the advisors you sit down with:
The pass rate of the FASEA exam has been on a downward trend since the inaugural sitting in June 2019 which had 90 per cent of 579 candidates pass. That dropped down to 79 per cent in April 2020 (the first to include remote proctoring), 69 per cent in May 2021, and only 328 candidates (52 per cent) passed in July and August exams.
Of those who have passed so far:
advisers who are eligible for the exam extension, but have not passed the exam in 2022, there is an opportunity for you to take steps with your Australian financial service (AFS) licensee to limit the effect of this outcome,” ASIC said in a statement.
Financial Adviser Standards and Ethics Authority (FASEA) is a Commonwealth entity that was established in April 2017 to set standards for the ethical conduct, educational qualifications and ongoing training of licensed financial advisers in OneAustralia.ofthe
• Over 700 were new to the industry.
“If your licensee does not cease your authorisation on or before 30 September 2022, it will cease by operation of the law and you will no longer be able to provide personal advice. To become re-authorised and re-commence providing personal advice you will need to complete a professional year and
obtain an approved degree in addition to passing the exam.”
Note: Currently, you cannot view who has or has not passed the FASEA exam. All you can do is check the ASIC website to see if the advisor is still registered as a financial planner. Go to asic.gov.au and selecting the ‘Professional Registers’ on the right. You then type in the Surname of the advisor and choose the appropriate registry e.g., Australian Financial Services Authorised Representative (example Theprovided).latestsitting was the last opportunity for advisers who are operating under the nine-month exam extension to pass the exam. From 1 October 2022, all financial advisers must have passed the exam to continue to provide personal advice.
ASIC has confirmed anyone eligible for the extension who has not passed in any of the three cycles this year will not be able to provide personal advice from 1
findmaroondah.com.au 9SEPTEMBER 2022 | FIND MAROONDAH 9SEPTEMBER 2022 | FIND MAROONDAH
By Warren Strybosch
The lxrp have held community consultation with Croydon Conservation Society, as well as other people who discovered the short pop up consultations in Main Street Croydon, which were really about handing out the proposal with artist sketches. They say they have door knocked 500 homes, but failed to tell anyone of the extent of
By Liz Sanzaro
10 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
• regional rail and road infrastructure that incorporates wildlife bridges and tunnels to help repair the fragmentation of habitat
Like everything in life there are often opposing viewpoints, but we risk cutting of our noses to spite our face if we continue with linear thinking from policy makers, who do not have lived experience, and who fail to cross consult with other current projects.
As the world grapples with the experiences of Climate Change and living through the effects, we must take a more creative approach to large projects, such as the Big Build. Yes, there will be some new trees going in, but only around the Station precinct. There will be a deficit in peoples liveability quality until these trees reach maturity in about 20 to 40 years time.
Exploding brain dilemma…
tree removal, saying some trees may be removed. There were also on line zoom sessions available, if you knew about them. CCS facebook page was lit up like Christmas with comments as people asked questions and offered comments.
Liz Sanzaro
• the importance and protection of green wedges in the City of Melbourne
After sighting the initial prospective plans, there is nowhere close by to re-instate the quantity of biomass and habitat, that is to be removed.
Apparently and understandably, there are now new “guidelines” for trees suited to be beside a rail line, due to potential falling which obstructs services. What they may not have considered is the benefits of tall species, planted far enough away to provide shade for the rail line in extreme heat.
Do you have space on your own land to accommodate an extra tree or two, the environment will and our children and grandchildren will thank you. Local community nurseries in Mooroolbark and Ringwood will help you choose suitable species, if you ask.
For residents of Wicklow avenue, the view across the road, is likely to be a concrete barrier for a large section as the rail line all the way along Wicklow Avenue and part of Railway crescent For birds, bats, owls possums and associated creatures, there goes their habitat.
Water being used to cool the tracks in Jolimont rail yards after extreme heat.
President of Croydon Conservation Society www.croydonconservation.org.auliz@sanzaro.com
• strategic planning for regional centres to safeguard biodiversity values and streamline development
The lxrp, responsible authority for the removal of at grade level train vs road crossings, is potentially removing a linear planting the full length of Wicklow Avenue in Croydon.
Courtesy of The Age 2009
•recommends:theincorporation of ‘green infrastructure’ such as trees in urban areas to combat adverse environmental phenomenon including the heat island effect
From the Victorian State Government enquiry into ecosystem decline, Dec 2021
But wait, we have a conundrum.
NATURE & CONSERVATION
This picture taken at night in Reservoir, and is exactly what a barrier wall adjacent to the road curb, looks like, maybe different texture and colour. You can also comment on line but only until September 4th.
From the Enquiry on page 171 it
“The State’s natural areas have declined substantially in quality and extent since European settlement. Victoria is now the most intensely settled and cleared state in Australia. Over 50% of native vegetation has been removed during the two centuries since Europeans arrived.”
findmaroondah.com.au 11SEPTEMBER 2022 | FIND MAROONDAH 11SEPTEMBER 2022 | FIND MAROONDAH Find Aged Care Services is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.Areyouan established and experienced Financial Planner providing Aged Care Advice? Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services
our readers to read on with the first sentence. Non-fiction writing, especially for businesses, means no jargon (unless you’re writing for your industry), no patronising, few features and loads of
12 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Small details matter
Abenefits.professional
Editor Creative Text Solutions 0437 127 159 | www.creativetext.com.au
ACCREDITED EDITOR
We can all see what is wrong with this job. The urinal has been installed on the side panel, not the back wall. It doesn’t match the others. Worse, it leaves the user exposed to public view. So it irritates us when we see it – why did the plumber do that? Was he or she blind? Didn’t they care?
this, the teacher will respond better to a factual account rather than one full of anger and hysteria. That’s not to say you shouldn’t be angry – of course, you should! – but such an email will surprise, maybe even shock the teacher so a factual account will give the teacher space to feel their own anger without having to deal with yours as well. (And you can always show your feelings in the Inmeeting!)otherwords,
This will make you lose concentration and perhaps comprehension of what you are reading. If there are too many of these errors, your brain will start to feel so tired that a desire to do the housework or the last five years of tax statements suddenly becomes more attractive than continuing to read.
Fit for purpose?
Yet, I bet the ones who hired the plumber assumed the plumber would take care to place them to match each other.
We can write something that is perfectly correct in terms of spelling, grammar and punctuation. It’s understandable, it’s fit for purpose. However, all writing should be more than that.
How to write so your target market will read it
The reader will have expectations. If you are writing a book, the reader will expect to be transported to a new world (fiction). They may want to be presented with new ideas and ways of doing things (non-fiction, business book). They often want to be inspired to try a new recipe or lose weight (cookbook).
If your child has been bullied at school and you are emailing the teacher about setting up an appointment to discuss
It's the small details that we often skim across that editors hone in on to make sure your readers keep reading!
Did you notice that misplaced comma? Can you shut your eyes (yes, right now, please!) and describe the weather in my exact words? Do you even care, or is that misplaced comma still annoying you?
when we write, we need to have a clear picture in our minds of our ideal reader, our avatar, and write in their language in ways that they will respond to. We need to pitch our book/email/marketing material at their language level and persuade
By Susan Pierotti
Rather like the image of our unfortunate carpenter’s work, you skip over the space before the comma (or the upside-down banister rail) and read on – but be sure that it will bug your brain!
editor is your first unbiased reader. With a few pertinent questions, they will be able to help you target your ideal reader and polish your prose to engage them.Accredited
What's wrong with this sentence – ‘Today, it's wet ,cold and raining.’
What we forget is that the urinal probably does its job just as well as the others in the image. The plumber was paid to install three workable urinals, not to make them match each other or get paid to think of who would be using them and how.
How does this apply to your writing?
If you are writing marketing material, the reader will need to be persuaded, to be engaged, to be convinced to click the ‘contact us now’ button.
• Eat bitter foods such as roquette (rocket), and sour foods such as fresh lemon juice.
Men’s pubertyHealth:andprostate
NATUROPATH
Whole Naturopathy can treat your hormonal imbalance naturally with herbs formulated specifically for you, together with dietary changes that will best target your health issues.
By Kathryn Messenger
Kathryn Messenger
• Increase ‘green leafy’ vegetables such as kale, spinach, broccoli, cabbage, etc
kathryn@wholenaturopathy.com.au
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.
Recreational lifestyle activities which reduce stress can also be helpful as chronic stress increases inflammation, leading to many disease states. Exercise can help by increasing blood flow and also reducing stress.
prostate gland obstructs urinary flow, resulting in poor urinary flow, increased urgency, and incontinence.
findmaroondah.com.au 13SEPTEMBER 2022 | FIND MAROONDAH 13SEPTEMBER 2022 | FIND MAROONDAH
Naturopathic treatment of hormonal imbalance often includes strengthening and detoxifying the liver. The liver is where hormones are metabolised, are transformed into different forms, and excess hormones are removed from circulation. If the liver is not functioning well, this process will be impaired. Prescription drugs, alcohol, exposure to toxins, and poor diet all contribute to reduced liver function. Herbal medicine is highly effective in improving the liver, but below are some tips to get you started.
• Increase dietary fibre, particularly through vegetables
BHSc (Naturopathy)
To improve liver function:
Similarly to with teenage acne, excess androgens are a major culprit in contributing to hyperproliferation of prostate tissue. This enlargement of the prostate gland also leads to BPH and prostate cancer. Once again Saw palmetto is an important herb in regulating androgen levels, and additional benefits have been found when used in combination with Urtica dioica (stinging nettle).
With Father’s Day this month, it’s a great time to talk about men’s health. We’ll take a look at two conditions: teenage acne and Benign prostatic hyperplasia (BPH). These are both caused (at varying degrees) by male hormone imbalance. Androgens are a group of hormones of which testosterone (the predominant male reproductive hormone) is the most common. Testosterone levels increase for young men in their late teens, and the excess androgens contribute to acne. The sebaceous glands which secrete oil onto the skin, produce androgens, along with other glands, and in excess are converted to a hormone called dihydrotestosterone which promotes acne. Research has found herbs such as Serenoa repens (Saw palmetto) effective in treating hormonal acne, especially when combined with other androgen regulating herbs is. As a naturopath, I would also address elimination of waste products, inflammation, the liver (as detailed below) and any other factors contributing to the acne.
BPH is increasingly common in men as they age and is estimated to be present in 70% of men over the age of 70. Due to hyperproliferation (excess growth) of prostate tissue, the enlargement of the
By CraigGENERALAnderson INSURANCE
Provide Correct ABN and Trading Name. One fellow—insured with a direct insurer—had insured another company (not his own) with similar spelling for 6 years before realising that it was wrong from the very beginning. Details do matter. Double check this, otherwise you
Be Patient. Often insurers and their underwriters are overwhelmed with the volume of inquiry, so be prepared to wait for a quality answer to come back. Speed doesn’t always equate to efficiency or deliver accuracy. Not everything can be done using online quoting tools, and this is particularly the case for complex risks. So perhaps start your research well before you quit your job to allow ample time to get it right.
For a health check of your business insurance, contact Small Business Insurance Brokers via email: smallbusinessinsurancebrokers.com.ausales@
I get regular calls from people who are in the process of starting a new business. Many are after a “ball-park” figure for insurance costs so they can flesh out a business plan and budget for outgoings. No matter how the conversation starts, the outcome is largely dependent on the quality of the information provided by the client, and this can be… to put it politely, “a little thin” at times.
Be Qualified. I can’t tell you how many times people have been unaware of the qualifications, licenses, registrations, or tickets which are essential not only to do the job they plan to do, but to convince the insurer they are a “good risk”. This is particularly the case if we are trying to get you Professional Indemnity cover. Best to do your research before telling the boss you’re leaving. We can’t insure the uninsurable.
Read All of the Paperwork. When we ask you to read through and confirm the details are correct, you must check! Once a quote turns into a policy, this is a legal contract between you and the insurer. If you fail to read it, and later have an issue caused by a failure to correct your answers, it’s too late once a claim has occurred. Read the Schedule and read the PDS. Ask your broker questions, as the answers could make a big difference to the cover selected, and to how you manage risk within your business.
Craig Anderson
may take out an entirely worthless policy when you go ahead. Again, facts have to be right from the beginning.
Consider Advice. We understand no one has an unlimited budget, but don’t cut corners that may put you out of business before you’re off the ground. For example, If you handle and store people’s details like phone numbers, names and addresses, you need cyber protection for yourself. If employing people, you may need Management Liability Insurance, if you give advice, you may need Professional Indemnity and so on. Take the time to familiarise yourself with the risks, so you aren’t taken by surprise, and so you can write a realistic budget. Deciding in advance you need the “bare minimum” may be a costly financial error.
Tell Us About Future Plans. The selection of insurers may depend on whether they can accommodate all of the required cover sections. A Business Pack PL (Public Liability) Policy may be more appropriate than a stand-alone PL policy if—in a couple of months—you might need to add contents, business interruption, and machinery breakdown cover sections for example. You may need a stand-alone PL Policy if your activity is “non-preferred” by Business Pack Policy Insurers. Your broker might have to place you with a specialty underwriter who understands that specific occupation. It’s better to know from the start what you plan on doing later, so a flexible insurance programme can be put in place.
14 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
You can thank me later.
GENERAL INSURANCE Small Business Insurance Brokers www. Any0418brokers.com.auheightsafetyinsurance300096adviceinthisarticlehasbeen
Planning to start a business?
Clearly Define your Activities. If you describe yourself as a “glazier” but forget to tell us you are abseiling from the 40th floor to replace windows in a multi-storey office block, the insurer will incorrectly rate you and will decline any claims. Remember to describe and disclose your activities properly. We can’t provide accurate quotes without a correct description. An inaccurate quote could lead a worthless policy if care is not taken at this stage.
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).
To maximise your chances of getting a fair and accurate insurance quote:
You can call Warren Strybosch, one of Australians most reputable financial planners, on 1300 88 38 30
Four Super Funds Fail For The Second Time In A Row
The first-time failure was the Westpac Group Plan MySuper Retirement Wrap.
It's all about you
Women's Health Week is a nation-wide campaign of events and online activities – all centred on improving women's health and helping you to make healthier choices.
Every September, for one week, Women’s Health Week is a reminder to set aside time for your health and wellbeing. Make an appointment for a health check, get active, join an event or simply connect with other women. You don't have to do it alone.
You’ll receive a daily email with videos, recipes, quizzes, articles and tools to help you unlock your own powers for good health. All the health information we produce is based on research and reviewed by our expert medical team.
What's involved?
In the lead up to the week, you’ll receive helpful information on how you can participate. Either getting together with friends, community and colleagues or maybe hosting an online event.
product, the BT Super MySuper Retirement Wrap and the AMG Super, AMG MySuper product.
its 10th year, Women's Health Week is a celebration of women in Australia, women from all walks of life. In 2021 (despite a second year impacted by lockdowns and restrictions), more than 128,000 women participated in 2277 events, over 54,000 women subscribed to the online campaign and we reached over 3.6 million people via social media.
Women's Health Week is recognised as the biggest week for women’s health and wellbeing in Australia and takes place annually in the first week of September. 03 9453 whw@jeanhailes.org.au8999
About
Health Week. Thousands of women across Australia subscribed to take part in a week of events and online activities, learning more their Nowhealth.in
If you are a member of one of the above superannuation funds who is approaching retirement, we encourage to you speak to Warren Strybosch of Find Wealth t/a Find Retirement. Warren is a retirement planning specialist who has one of the best superannuation offerings in Australia especially when it comes to fees. He has helped preretirees and retirees save thousands in fees each year without sacrificing on service and advice.
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Jean Hailes Women’s Health Week is a week dedicated to all women across Australia to make good health a priority.
The number of failures is lower than was expected from the performance test, the criteria for which is now subject to review by Treasury.
The Australian Prudential Regulation Authority (APRA) announced today the five funds that failed included four which had failed for a second time.
Why Women’s Health Week?
In 2013, realising that there was no event dedicated to women's health in Australia, Jean Hailes for Women's Health ran the very first national Women's
Then, on each day of Women’s Health Week, we focus on an important women’s health topic.
We are proud that Women's Health Week attracts the support of organisations, high profile ambassadors, businesses, community, sporting and media groups across the country.
time failures are the Australian Catholic Superannuation and Retirement Fund Lifetimeone product, the Energy Industries Super Scheme-PoolA Balanced (MySuper)
The four funds which failed a second time are therefore no longer able to recruit new Themembers.second
Women, communities and workplaces are encouraged to get involved by hosting an event, sharing the health information and encouraging women, girls and gender diverse people from all corners of Australia to put good health first.
APRA have announced that Five superannuation products have failed the latest superannuation funds’ performance test, with four of them doing it for the second time in a row.
5-11 September 2022 Contact Us
Ifvehicles.youmay
A Green Home Loan is a product which encourages buyers of existing or new homes to purchase more environmentally friendly properties in exchange for a lower interest rate. These loans are also offered to borrowers who are looking to renovate an existing home into a more environmentally sustainable property.
By ReeceMORTGAGEDroscher
To qualify for a Green Home Loan the property has to meet certain 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.
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.
16 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
What is a Green Home Loan?
Please call Reece Droscher on 0478 021 757 to book in a review and discuss your www.shlfinance.com.auoptions.
Green Home Loans generally offer the same features that a standard Home Loan product contains, including redraw, offset and the ability to make extra repayments. The difference is in the interest rate, as lenders look to reward borrowers who are taking steps to reduce their environmental impacts.
What difference will it make to my interest rate?
Are Green Home Loans the same as normal Home Loans?
There are only a small number of lenders currently offering Green Home Loans at present. The difference in rates 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
Are you ready to go Green?
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 offered by several lenders in the finance market.
How do you qualify?
BROKERING
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
the area is no doubt one of the reasons why members leave along with health issues that ultimately lead to a member or members deciding to give the ‘game’ away.
clubs need to attract new members BUT do we take time-out to find out why members leave the club and join another club that plays the same Runningsport.
Think about it.
your club hold regular meeting with its members not only to hear what is happening but provide a forum for members to ask questions to those charged with running the club?
Does your club have a positive culture –does it display a friendly atmosphere? Does it plan and implement social activities that encourage members and family participation?
Does your club keep its members informed about any future plans it has in
Clubs need strong membership in order to maintain sustainability and one of the key revenue areas involves membership Thefees.,amount of time that it takes to recruit new members is substantial - we undertake membership drives, extend invitations for people to visit the club and organise ‘Open Days’. Do they attract a high level of new
Nomembers?doubt
keeping members both loyal and happy and as such negating any thoughts about departing for a similar sporting club Movingelsewhere.awayfrom
If members can no longer play for whatever reason they should be encouraged to remain at the club and become involved in other areas that are aligned to both their skills and knowledge of the club. What then do we need to look at in order to prevent current members ‘jumping ship’.
Doesmind?
New members are important for clubs to grow BUT it is also important to retain existing members.
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Looking after your own........
Does your club organise social activities at other locations?
Does it encourage members to volunteer and acknowledge their importance?
a club today is vastly different than yesteryear – the mindset today must centre around the club being run as a business and this has to be linked to
The majority of sporting clubs are always looking to increase their membership however do clubs take the time to find out why their membership maybe dropping or why members have left or are thinking about leaving.
Consider the above points and decide for yourself whether your club is doing enough to retain its members.
Peter Horton
Donate Blood App Our Donate Blood app is app-solutely the easiest way to manage your appointments! Scan the code below with your smart phone to download the Donate Blood app from your device’s app store.
Donate Blood App
Straight after you donate
If you start to feel unwell, or if you’re worried about anything at all, don’t hesitate to give us a call on 13 14 95
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You’ll have done something genuinely life-saving and we hope you’ll be feeling great about it. However, it’s really important to relax, refresh and follow ourRestadvice.inthe chair for five minutes and, when you’re ready, sit up with your legs dangling over the edge. Take a seat in our refreshment area. It’s important to rehydrate and have something to eat, so help yourself to a cool drink and a savoury snack.
13 14 95
For at least 8 hours: don’t do any heavy lifting
For at least 12 hours
Let us know how you go
• don’t drink alcohol.
Find out more at donateblood.com.au or give us a call on
2. Before we get going, you’ll be asked to have two more glasses of water and we’ll give you some information on easy muscle tensing exercises that can help stop you feeling faint during your donation.
Your guide to giving life
What happens on the day?
• drink plenty of water (at least another three large glasses) eat regular meals
4. You’ll be with us for about an hour, but the actual giving process takes just 15 minutes (sometimes less!). Our team will be on hand to help the whole way through, so if you’re feeling unwell or uncomfortable, let someone know straight away.
For the next 2 hours: keep the bandage on your arm, and stay hydrated.
• don’t stand up for long periods stay cool — avoid hot showers, sitting or standing in the direct sun and choose cold drinks rather than hot drinks, and
Don’t worry, you’re in safe hands. But so you know what to expect, here’s a walk-through of what’s involved:
An introduction to blood donation
Donated blood can be used in many life-giving ways. The person receiving it could have cancer, be going through a difficult pregnancy, or they could be someone who relies on regular transfusions to live a healthy, happy life — or even to live.
To do the most good, every donation needs to be as safe as possible for the donor and the person receiving it. You should be good to give if:
3. You’ll then have a private, confidential interview with a trained staff member and we’ll check your haemoglobin level (a protein that carries oxygen around your body and contains iron) and take your blood pressure. If it’s your first time donating, we’ll also ask for your height and weight. Safety is our top priority, so these health checks are for everyone.
December 2020
There is a chance that you’ll get a bruise or feel faint after your donation. To help stop this from happening, be sure to follow the advice below.
you’re aged 18–75, if it’s your first time (you can be older than 75 if you’ve donated in Australia before) you feel fit and healthy, and don’t have a cold, flu or any other illness
Avoid strenuous exercise (e.g. riding, jogging, or going to the gym) or hazardous activities, including activities or jobs where public safety may be affected. You should check any employment or safety requirements you have. If unsure, please ask us at your interview.
Can I donate?
There are some cases where we may have to re-schedule. Like, if you take certain medication, you’re pregnant, you’ve travelled recently, you’ve had dental treatment in the last week, or you’ve had a tattoo in the past 4 months. However, if the tattoo was done on licensed or regulated premises in Australia (like a commercial tattoo parlour or a cosmetic clinic) and is healing well, you can book in to donate plasma instead.
1. When you arrive, you’ll need to complete our Donor Questionnaire. It’s totally confidential and designed to protect you and the person who receives your blood.
What it means to give blood
Learn how blood donation makes a genuine difference
• You’ll need to stay at the donor centre for at least 20 minutes (even if you feel fine). It’s a great time catch up on some reading, listen to music, or make the most of our free Wi-Fi.
After you’ve left the donor centre
• you weigh at least 50 kg you’ve got your photo ID, donor card or the Donate Blood app on the day before your donation, you’ve had 8 glasses of fluid if you’re a woman and 10 glasses if you’re a man, as well as plenty to eat you’ve had at least 750 mL (3 large glasses) of fluids in the 3 hours before your donation you’ve completed the Donor Questionnaire and met any eligibility criteria, and you’ve been assessed at the blood donor centre (we’ll check you have suitable veins and haemoglobin levels).
Unsure if you can give blood?
Giving blood has got to be one of the most rewarding things you can do to help another person — there’s no other feeling like it.
After you give blood, your body needs iron to help replace the haemoglobin and red cells you give in your donation.
20 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
• 19% anaemia
What do we test for?
To find your nearest donor centre, book a donation, or learn more about giving blood, get in touch on 13 14 95 or head to donateblood.com.au
• 2% road incidents and trauma
We’ll always check that you have enough haemoglobin to give before you donate. However, this test is different to checking your iron levels (you can have normal haemoglobin but low iron), so if you’re worried, speak to your doctor before donating.
Does my blood type matter?
• 18% heart surgery and severe burns
• 10% fractures and joint replacements
Platelets
O- 9% O+ 40% A+ 31% A- 7% B+ 8% B- 2% AB+ 2% AB- 1% O-9% A+31% O+40% A-7% B+8%B- AB+ AB13 14 95 give blood December 2020
• 34% cancer and blood diseases
Over time, giving blood can contribute to low iron levels, so we’ve put together some helpful tips on replacing your iron at donateblood.com.au/iron-health
many different life-giving medical treatments — with a third of all donated red cells going to people fighting cancer.
Treats serious bleeding, often in patients with leukaemia and other cancers.
• Treating brain disorders Protecting newborns against Rh disease
Learnemergency.more about your blood type and how it can help at
Women aged 18–45 are especially susceptible to becoming low in iron, which is why we recommend a short course of iron supplements after each donation. For more about looking after your iron levels, head to com.au/iron-health-womendonateblood.
WheretypesPercentageslearn/about-blooddonateblood.com.au/ofbloodinAustraliaRemember,everydonationgiveslife.So,whatevertypeyougive,someoneouttherewillbetrulygrateful.canIgiveblood?
Used in 18 life-giving ways, including: Protecting people with immune Protectingdeficienciesagainsttetanus
An introduction to blood donation
Donating blood is a very safe process
Your guide to giving life
Plasma
We use brand new equipment for every donation — that includes the needle, tubing and bags.
One Yourdoesdonationwondersbloodcanbemade
Most people give less than 10% of their blood volume in one donation, which is usually replenished in just two days. But, because it takes longer to replace the iron in your blood, you’ll need to wait 12 weeks before you can give again.
We work hard to protect the people receiving your blood and test every donation for blood type as well as HIV, human t-lymphotropic virus (HTLV), syphilis and hepatitis B and C. Remember, we’re testing to protect the people who receive your blood donation. We’ll tell you if we find anything, but for your personal health, you need to get checked by a doctor.
into
Red cells
• 4% help pregnant women, new mothers and young children
When someone is given blood (called a transfusion), it’s best to give them the same blood type as their own. Some blood types are more compatible than others, and some are universal, like O negative. Because it can help people with any blood type, O neg can save the day when there’s no time, or it isn’t possible, to find out a patient’s blood type — like in a life-threatening
• 13% heart, stomach and kidney diseases
Each blood donation you make is separated into three parts, each used in different ways.
premiums can have a large difference in how much your premiums will cost you now and into the future. A financial planner can talk to you about each of these covers and help you decide which is best for you.
Erryncentrepointalliance.com.au/LangleyisAuthorisedrepresentative (No. 1269525) of Alliance Wealth Pty Ltd.
Due to legislation changes that came into effect on 1 July 2014 you are no longer able to take out trauma insurance through your superannuation fund.
The answer again is it depends, a conversation with a qualified financial planner can help you ascertain how much trauma cover is right for you depending on your circumstances.
How much trauma cover do I need?
How much does trauma cover cost?
I have income protection cover so I don’t really need trauma cover as well, do I?
Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth.
Well, the answer is it depends on the list of conditions that are included in the Product Disclosure Statement (PDS) of the insurance provider who your Trauma Cover is with, but commonly they cover conditions such as heart attack, stroke, heart disease, cancer, or kidney failure. The specific conditions covered are outlined by the individual insurer you should read the PDS carefully before agreeing to the cover to understand what conditions you would be covered for.
If you would like to know more about Trauma cover, or any other type of personal risk insurance I would be happy to have an initial phone conversation, or you can find out more information at our website financial-planning/insurance/https://findaccountant.com.au/
Trauma Cover – What is it and do I needErrynit?Langley 1300 557 144 | www.finwealth.com.auerryn@findwealth.com.au
By ErrynFINANCIALLangley PLANNER
Can I fund trauma cover insurance through my superannuation?
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.
As a qualified financial planner, I speak to people about their insurance needs frequently, in today’s article I have summarised some of the frequently asked questions potential clients have about Trauma cover.
I am yet to come across a client who have had a claim paid out under trauma policy who has said I wish I didn’t have this cover. In your time of need, sickness illness so many things in your life are unpredictable and hard, having the trauma cover in place might mean that you can also now afford for your partner, husband, or wife to take time off work to take you to medical appointments or chemotherapy for example in the case of someone diagnosed with cancer.
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Most people have heard of Life (or Death) Insurance cover, and many have heard of the Total and Permanent Disablement (TPD) cover or Income protection cover, however frequently people have not really heard of or don’t know too much about the other type of personal risk insurance known as Trauma Cover.
What are the different types of trauma policy payment structures? You can generally choose either a stepped premium or a level premium for trauma cover. Your choice of stepped or level
What is trauma cover? Trauma cover (sometimes known also as critical illness insurance) provides you with a lump sum payout in the case of a serious illness or major injury, it enables you to pay medical bills and meet your expenses when you need it most.
What am I covered for under a Trauma policy?
The cost of trauma cover varies depending on things like your age, gender, occupation and if you have any existing medical conditions. Insurance providers can agree to insurer you a standard rates, they may apply an exclusion to your policy for a pre-existing condition, or they may add a premium loading if they determine you had a family history for example of a certain type of condition.
Many of these steps can be done by you, but it is always a good idea to speak with a professional who can help and guide you for the best possible opportunity to Reallysucceed.great
6. Consider if you need to register for GST if you will have a revenue of more than $75,000, and work out what other taxes may be relevant to your business.
Starting a new tousefulFindbusiness?smalloutthingsconsider.
8. Make sure you keep records of money spent and received and consider if using an accounting package is relevant, or if you need to engage the assistance of a bookkeeper. Having reliable and up to date business records will help to know if your business is profitable, if
resources can be found at https://business.gov.au
By LeahBOOKKEEPEREgan
If you are considering starting your own small business, have done the research and decide you want to go ahead, here are some things to consider and tasks to do to ensure you get the best start
7. Apply for licences and permits that will be specific to the location and industry of your business.
9. Advertising and marketing - how will you to let people know about your products and services. Do you need a web presence for potential customers to find your business.
4. Apply for an Australian Business Number (ABN) which is a unique number to identify a business when they are dealing with the government, other businesses and the public.
3. Think about which business structure will be most suitable for your small business – maybe a discussion with your accountant can help you understand the differences and decide what is best for you.
1.possible.Writing a business plan is a really good way to get clear on what your business will offer. It helps you determine who will buy your product or service, identify your business competitors, calculate expected income and anticipated expenses.
22 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Leah Egan 0400 905 505 | www.fineantics.com.auleah@fineantics.com.au
5. Register a business name to help your customers identify your business from others.
your customers have paid, whether you have enough money to pay bills, and provide data for tax reporting. Xero, QuickBooks Online and MYOB are some popular bookkeeping software choices.
2. A budget helps calculate how much money you expect to receive and spend in your business over a period of time, and can give a clearer picture on the prices you need to set for your product or service. This helps you know if your new business will be a worthwhile venture that will repay your hard work with a profit.
The company went on to conduct funerals of a number of Serving, and retired senior Fire Brigade Officers, and were usually the first call of brigade families, when an undertaker was required for a family member.
Summarised from “Just A Man Called Phonse - The Anything but Ordinary Life of A.V. (Phonse) Tobin” by Des Tobin,Killaghy Publishing, 2018, / Fire Services Museum of Victoria files / and “Fire Brigade https://tobinbrothers.com.au/Folklore.”
discussion, Phonse, being single, took up the offer, and with contributions from his brothers commenced to set up a funeral business. Among their first clients was the infant daughter of a fellow Firefighter. In February 1934 Phonse Tobin resigned from the Fire Brigade, and went into the funeral business full time under the name of A.V.Tobin. the previous links to the Irish / Catholic / Fire Brigade communities drew continual business to the company.
Afterdeclined.some
As business grew, via conducting a number of funerals of high profile members of the community, and fire brigade, Leo resigned from the Brigade, in April 1937, and joined Phonse in the funeral business. At this time the company named changed to “Tobin Brothers.”
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The Museum would like to thank Tobin Brothers Funeral Directors for their many years of sponsorship of the "8" Pump. Some background on the relationship between Tobin Brothers and the Fire AlphonsusBrigade.
This link continues, with a small sponsorship, by the Tobin organisation, of a Fire Museum vehicle, the “8” Pump, - a 1956 “Straight 8” Rolls Royce Pump, - which when in MFB Service was the “official hearse” for Fire Brigade funerals, and still participates in that role today, where the Museum Crews attend numerous funerals, on request by families.
This has led to Tobin’s being regarded as the “official Fire Brigade Undertakers.”
Tobin Bros Funeral Services and the MFB
In the early 1930’s Leo was approached by a company of Funeral Directors to establish an agency in Melbourne. However, due to the effects of the Great Depression, and having a young family he
Vincent “Phonse” Tobin joined the MFB in November 1926, His brother Leo, was already a member of the MFB, having joined in July 1926.
Stage 8 – The newborn takes the nipple, self-attaches and suckles
Stage 1 – The birth cry
The baby and often mum too will fall into a beautiful restful sleep together.
The importance of providing a mother and baby with immediate skin to skin contact for at least an hour after birth is now being recognised. Changes in medical practice now encourage this continuous skin to skin contact beginning immediately after birth, without delay or interruption for routine procedures, and continuing though the first breastfeed. This practice has been shown to improve self-regulation of the baby and increase the likelihood of breastfeeding success.
process. Relax and enjoy watching this amazing event as baby finds the breast and nipple by herself. Soon she will latch on and suckle without assistance or interference. Don’t try to help her latch – she is not ready just yet. Her tongue is flat and high in the roof of his mouth, whereas just prior to self-attaching, she will drop her tongue and while opening her mouth wide for a deep and effective latch. Be on baby time, not on hospital or doctor or nurse time.
The baby begins to explore her environment with her mouth by make mouthing and sucking movements. She has more stable eye movements now and looks at the breast and then looks at her mother. The dark areola attracts her to the nipple area and the smell there is familiar, as it is the same as the amniotic fluid that has been her environment til now. She starts to move her hand to
By Dr. Joanna Strybosch
Dr. Joanna Strybosch
Stage 9 – The final stage is sleep
The distinctive cry occurs immediately after birth as the baby’s lungs expand and fill with air for the very first time. This is a wonderful sound to the parents ears and confirms their baby is alive and well!
The baby may have periods of rest between these early activity during the first couple of hours after birth. This resting time does NOT mean baby is disinterested in the breast and needs help latching. Don’t intervene. Just let her be and she will continue in her own time. Don’t rush her. Enjoy this time together.
Stage 5 – Rest
This usually begins about an hour or so after birth. If the mother has had anaesthesia during labour, it may take a while longer for baby to complete these stages.
www.childrensosteopathiccentre.comLACTATIONSc/GradB.App.Sc(Clin.Sc)/B.Osteo.DipPaedsCONSULTANT
Baby becomes acquainted with the nipple by licking the nipple and touching and massaging the breast. This stage begins about 45 minutes after birth and can last 20 minutes or more. Baby starts making sounds to get mums attention. She looks at the other people in the room, familiarising himself with her new environment. Baby’s movements are quite purposeful. Again, don’t rush the
Stage 2 – Relaxation
About 3 minutes after birth, the baby starts to make small movements of the head and shoulders. She is no longer tightly confined inside her mother, and is free to stretch and experience the open space around her.
9 Stages Of BehaviourNewborn
LACTATION CONSULTANT
24 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Swedish researcher Ann-Marie Widstrom has shown that there are nine observable newborn stages that occur in the first hour or two after birth when a baby is placed immediately skin to skin with his mother. These are instinctive to the baby and occur in a sequential order.
Stage 6 – Crawling
Stage 7 – Familiarization
Stage 4 – Activity
her mouth, stick out her tongue and massages the breast with one or both hands. All of these movements increase the release of oxytocin in her mother’s body and prepares her body for bonding and breastfeeding.
Baby “crawls” towards the breast and nipples. She will make her way there using sliding, pushing, leaping and crawling movements until she reaches her target. These are short periods of action usually starting around 35 minutes after birth.
The baby is placed skin to skin on her tummy on her mothers tummy or chest. Her hands will be relaxed. Baby will be calm and quiet, pausing to recover form the birth process.
Osteopath
Stage 3 – Awakening
• $11,000 scholarships for enrolled nurses to become registered nurses, covering course costs and boosting the number of registered nurses
“You can’t deliver a health system with empty hospitals, which is why we are investing in hardworking nurses and midwives that are helping Victorian patients every single day.”
Quote attributable to Minister for Training and Skills and Higher Education Gayle Tierney
“By providing more pathways and incentives to education, we’re giving our nurses and midwives the practical support that they need to continue caring for Victorians.”
Allspecialities.newdomestic
past eight years, the number of nurses in the public system has risen by more than 26 per cent – increasing by 9,400 to more than 45,000 nurses. The Labor Government has overseen a net increase of more than 22,000 healthcare workers in the system since 2014 – up by 27.6 per cent.
• Scholarships for postgraduate nurses to complete studies in specialty areas such as intensive care, emergency, paediatrics and cancer care – worth an average of $10,000
10,000 students will have the cost of their nursing or midwifery undergraduate studies paid for, while scholarships will be available for thousands more who complete postgraduate studies in areas of need including intensive care, cancer care, paediatrics and nurse practitioner
together with the $12 billion Pandemic Repair Plan brings the number of nurses and midwives being supported to more than 20,000, including funding 13,000 nursing and midwifery positions and scholarships, and funding the upskilling of 8,500 nurses.
Making It Free To Study Nursing And Midwifery
• $12,000 scholarships to support training and employment of 100 new Nurse Practitioners in both acute and community settings
The Andrews Labor Government is backing Victoria’s healthcare system with free university and specialist training for thousands of nurses and midwives. In a $270 million boost to the health system, more than 17,000 nurses and midwives will be recruited and trained as part of a massive hiring and upskilling initiative – building an army of homegrown health workers to care for
system in the country is under enormous pressure due to the pandemic. The best thing we can do to support our hardworking staff is give them more support on the ground –that’s why this package will train and hire more nurses than ever before.”
The package recognises that the cost of study is a financial burden for prospective and existing nurses and helps our health services maximise the recruitment of new nurses and midwives in key areas of
findmaroondah.com.au 25SEPTEMBER 2022 | FIND MAROONDAH 25SEPTEMBER 2022 | FIND MAROONDAH
“If you’re in Year 12 and you’ve been thinking about studying nursing or
Inneed.the
midwifery – go for it.We’ve got your HECS fees
• More than $20 million to provide more support to the growing numbers of graduates and postgraduates as they transition to working in our hospitals – ensuring they have access to the clincial educators, preceptors and study time they need.
Quotes attributable to Premier Daniel Andrews
students enrolling in a professional-entry nursing or midwifery course in 2023 and 2024 will receive a scholarship of up to $16,500 to cover course Studentscosts.will receive $9,000 while they study and the remaining $7,500 if they work in Victorian public health services for two years.
More midwives will join the workforce through an expanded postgraduate midwifery incentive program, which will provide scholarships to cover course costs and salary support for 150 existing nurses to continue working while they complete their specialist studies in Themidwifery.initiative,
MoreVictorians.than
“Everycovered.”health
Quote attributable to Minister for Health Mary-Anne Thomas
The package also includes:
ACCOUNTANT
Superannuation Guarantee rate: 2002 to 2026Who
Currently the SG rate is 10.5% and increasing over time until it reaches 12%. SG payments is paid as a percentage of an employee’s salary and wages or ordinary time earnings (OTE). Ordinary time earnings (OTE) is the amount your employees earn for their ordinary hours of work. It generally includes leave (annual, sick or long service), commissions, allowances and shift loadings, but doesn’t include overtime payments.
SG contributions is a legislative requirement that all employers must pay to most employees. It is contribution of money, paid by the employer, on top of the employee’s salary or wages, into the employee’s superannuation account of Thechoice.government introduced mandatory 3 per cent contributions (or 4 per cent for employers where their payroll was above $1 million) into an employee’s superannuation fund. In the early days, the employer would set up the superannuation fund on behalf of the employee, whereas now the employee can choose their own superannuation fund and provide that information to the employer. The employer ‘must’ place the SGC into the employee’s superannuation fund if the employee so directs.
Most employers choose to remit the SGC on a quarterly basis when they do their BAS however some employers will pay it monthly or even fortnightly.
aged under 18, or those classified as a private or domestic worker (like a nanny), must work for their employer more than 30 hours per week to qualify for SG payments.
26 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Superannuation Guarantee: What is it?
is not required to make SG contributions if you are a non-Australian resident and are paid to do work outside Australia, are an Australian resident but paid by a non-resident employer for work done outside the country, a senior
Temporary residents are also entitled to receive SG payments into their super Youraccount.employer
SGC is an important part of every person’s financial position. It represents, for most people, the key asset they will have leading into retirement. As such, it is important to understand if you are entitled to it, if your employer should be paying it and how much you should be Thankfully,receiving.
the rules around SGC were made a little simpler, with most employees able to receive it.
For most people who retire in the next 20 to 30 years, their superannuation balance will likely be their largest asset, apart from the family home, and provide an income stream for them in retirement. Will ever increasing uncertainty regarding the age pension, it will be an important asset to have.
(Source: ato.gov.au)
The Superannuation Guarantee contributions (SGC) have increased since 1st July 2022. However, there are many employers who don’t know what the correct amount is that they should be paying and who should be getting SGC.
Current SG rate
is eligible to receive SG contributions?
There is no minimum amount you have to earn. Prior to 1st July 2022, you had to earn more than $450 per month to be eligible. This has now been removed.
Period Super guarantee rate 1 July 2002 - 30 June 2013 10.00%9.50%9.25%9.00% 10.50% 12.00%11.50%11.00% 1 July 2013 - 30 June 2014 1 July 2014 - 30 June 2021 1 July 2021 - 30 June 2022 1 July 2022 - 30 June 2023 1 July 2023 - 30 June 2024 1 July 2024 - 30 June 2025 1 July 2025 - 30 June 2026 and onwards Contributions:GuaranteeSuperannuation Who should be receiving it?
If you are a full-time, part-time or casual employee, and over 18 years of age, you are Employeeseligible.
By Warren Strybosch
WARREN STRYBOSCH
Find Group
You can call them on 1300 88 38 30 or email
The current SG contribution rate is 10.5% of your gross earnings up to a limit called the maximum super contribution base (MSCB). If you earn above that amount in a particular quarter, your employer does not have to make SG contributions for the part of your earnings over the limit.
Fromstandard.1October
2021, you can only rollover into or out of your SMSF using ForSuperStream.SuperStream, you will need:
Is there a limit on the SG contribution I can receive?
findmaroondah.com.au 27SEPTEMBER 2022 | FIND MAROONDAH 27SEPTEMBER 2022 | FIND MAROONDAH
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA
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 acroos Victoria.
Warren Strybosch
If you’re a trustee of a Self-Managed Super Fund (SMSF) it is important to make sure all members of the SMSF are receiving their required SG contributions and they are being allocated correctly.
foreign executive on certain visas, or temporarily working in Australia for an overseas employer and are covered by super provisions in a bilateral social security agreement.
All SMSF must now be registered via SuperStream. Self-managed super funds (SMSFs) must be able to receive employer contributions and the associated data electronically using the SuperStream
• an electronic service address (ESA) – you can get an ESA from an SMSF messaging provider
• an Australian business number (ABN), and
• to ensure your SMSF’s details held by the ATO are up to date, including your SMSF’s unique bank account.
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.
Exemptions
If you are employed by your family business and your super guarantee contributions go to your SMSF, these related-party employer contributions are exempt from the SuperStream standard.
requireaward-winningAtmembers.contributionsSuperStreamwww.findaccountant.com.auinfo@findaccountant.com.audoesn’tapplytopersonalmadetoyourSMSFbyitsFindAccountant,weprovideSMSFtaxadvice.Oursenioraccountantisalsoanfinancialadvisor.IfyouSMSFadviceorareconsideringwhetherornottowindupyourSMSF,thenspeaktoWarrenStryboschatFindAccountantPtyLtd.
The MSCB for 2022–23 is $60,220 per quarter ($240,880 per year), which equals a maximum SG contribution by your employer of $6,323 per quarter ($25,292 per year).
Thebudget.Signarama
1300 633 902
Digitally Printed decals can be applied to a variety of surfaces including windows, doors, walls, floors and even packaging. They are perfect for changing your message on a regular basis. Window decals are a smart marketing investment that make the most of advertising space you already own. Attract new customers, promote sales or specials, highlight your contact details and store hours or showcase new products with this versatile investment. Digitally printed in vibrant colour, in any size, shape or quantity our signage experts can work with you to create marketing messages that stick.
SIGNARAMA - MITCHAM
By GlennSIGNAGESMartin
If your business has open outdoor space or you’re a regular at events, you could be overlooking a powerful advertising outreach. Impressive banners and bright flags are a high impact yet cost effective marketing tool that can be used again and again. Outdoors banners and flags can be used to attract passing traffic or highlight your business or organisation at events such as fetes and markets. We can also produce banners for long term outdoor use, such as billboard banners and large promotional banners for buildings. Pull up banners and flags are great for conferences, events and expo's. Signarama use the latest technologies in high quality digital printing, providing you with optimal choice when considering which signage option best suits your needs. Speak with your local Signarama centre today to see how we can help you to get your message out there!
At Signarama, we understand the value of creating quality signage to promote your brand and drive sales. We have worked with many well-known national and international brands across a wide range of industries. From pull-up banners and flags, through to media walls and complete custom-built displays, our team of experts will help you create eyecatching and effective signage solutions to suit your brand and budget.
Stand out from the crowd at your next event. When it comes to a successful event or exhibition booth – bold, colourful and eye-catching signage with strong branding can be the key to a good return on your investment. With the right signage, your space can be
Banners & Flags
Digitally Printed Decals are the go-to for promotions and changing messages.
Retail POS Signs
Need promotional signage for your business or event?
A simple sign outside your business can be a cost-effective marketing machine, putting your message in front of thousands of eyeballs every day. A-frame signs, also known as sandwich boards or pavement signs, can be set up almost anywhere and are easily updated, meaning big benefits on a small budget. Whether you’re after a single sign or many signs with multiple messages, we have a range to get you noticed. Signarama has the most extensive range of options, from lightweight PVC T-Boards to large A-frames with wheels for easy handling. Interchangeable corflute or composite panels are a great option when you need to constantly change your messages, specials, or promotions. Custom-designed and shaped A-Frames are also available. We have the A-Frame solution to suit your message, and
A Frame Signs
Engage Shoppers and drive sales!
Decals
Exhibition Signage
Mitcham team are happy to answer your signage queries or prepare a quote. Give us a call now at 1300 633 902.
Well-designed signage at the point of sale (POS) can do so much more than just inform your customer. Catching your clientele’s attention with a strong
exciting and inviting, attracting attention and drawing in new business opportunities. From one-off events to regular exhibitions, we have a range of options to promote, direct, educate and advertise your brand. From pull-up banners to flags and brochure stands, through to fabric walls and complete custom-built displays, we can help convert your empty exhibition space into an eye-catching, high-impact marketing strategy.
www.signarama.com.au/store/mitcham
branding message right when they’re ready to purchase is vital for the success of a café, restaurant or retail environment. When it comes to pricing, specials and cross-selling – point of sale signs is invaluable. Our large range of options can transform your POS area – including digital signs for maximum impact. Talk to our sign experts about a fully customised point of sale solution.
28 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
Glenn Martin
the workforce from increased climate action and clean energy are set to be a focus of the government’s two-day jobs and skills summit, which starts on Thursday.
“That’s why we took the pragmatic step of wanting to have a discussion about small scale modular nuclear, about reducing emissions in our energy sector,” he said. Mr Littleproud said Australia had lived up to “every international commitment” it had made on climate change Opportunitiesaction.for
figures represented the last full quarter before a change of federal government. Mr Bowen said the figures were not surprising. “Even a global recession could only interrupt the LNP’s decade of climate policy neglect for so long,” he said.
authority to make sure the transition is fast and fair.” Ms O’Shanassy said there were economic advantages from climate change solutions.
findmaroondah.com.au 29SEPTEMBER 2022 | FIND MAROONDAH 29SEPTEMBER 2022 | FIND MAROONDAH
“Australia’sreached.
“The job opportunities are not limited to tackling the climate crisis. Australia also faces an extinction crisis. Looking after nature generates jobs, especially in rural Australia,” she said.
The latest update of Australia’s National Greenhouse Gas Inventory saw emissions rise 1.5 per cent in the year to March
Andrew Brown and Tess Ikonomou (Australian Associated Press)
“2030 is only 88 months away, and the Albanese government will continue to work hard with industry, the states and territories and the broader community, to turn this ship around.”
“While the impact of this neglect can’t be turned around overnight, the Albanese government is getting on with the job of creating the market signals and reforms necessary for a booming Australian economy on a trajectory to net-zero by When2050.”
Mr Bowen said more work needed to be done in order for emissions targets to be
The first day of the program will include a panel discussion on climate change jobs and skills, and is expected to include a virtual address from Mr Bowen.
“Our greatest contribution to a net zero world would be to rapidly transition our exports from dirty to clean,” she said.“We’re going to need a national energy plan and a national exports plan that align with net zero, co-investment to accelerate clean exports and a transition
The panel is expected to include energy sector representatives and climate action advocates. Australian Conservation Foundation chief executive Kelly O’Shanassy, who is speaking at the event, said the summit would be an opportunity to examine how jobs would look with a bigger focus on climate.
Data shows rise in Australian emissions
greenhouse gas emissions are now at 21.6 per cent below June 2005 levels, the base year for our 2030 Paris Agreement target,” he said.
asked if the Nationals would consider backing legislating climate targets, leader David Littleproud said the path to net-zero was not a “linear one” and said his party would consider the advancement of new technologies.
The government has already moved to enshrine a 43 per cent emissions reduction target by 2030, with its climate bill passing the lower house.
The2022.
“From sustainable farming to Indigenous rangers caring for country to accountants helping businesses understand their reliance on nature, caring for nature generates abundant jobs.”
Climate Change Minister Chris Bowen insists Australia is now on a track to reduce emissions following a change of government, after new figures showed a rise in greenhouse gases.
2022 TAX UPDATES
Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT.
The exemption provides a viable option for employees to reduce their tax bill by salary packaging.
Individuals may soon have the ability to claim a higher deduction for self-education expenses from the 2022–23 income year. New legislation has been tabled into parliament following the original announcement by the former government in the 2021 Federal Budget.
In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.
Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From that date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget reduced the age limit from 65 to 60 from 1 July 2022. Further, another legislative amendment has been issued by the new government in August 2022 to reduce the age limit again from 60 to 55. The change will not come into effect until after the new Bill receives royal assent. To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.
Downsizer contributions are in addition to existing rules and caps and are exempt from the: age test, and $1.7 million total superannuation balance test for making non-concessional contributions.
AAT extended power to pause or modify ATO debt recovery
An employer who provides an employee with an electric vehicle will not be liable for fringe benefits tax on the employee’s private use. The new legislation comes into effect for electric vehicle first held by employers on or after 1 July 2022. To be eligible for the exemption, the electric vehicle must be below the luxury car limit, which is currently sitting at $84,916.
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(10-May-2017)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(11-May-2021)DateRoyalPassedIntroduced(27-Aug-2022)ConsultationAnnouncement(27-Jul-2022)DateRoyalPassedIntroduced(3-Aug-2022)Consultation(12-Jan-2022)Announcement(8-May-2021)AssentofeffectAssentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2018)
Self-education removal of deduction limitation
Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action.
Downsizer contributions to superannuation
Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be repealed from the tax laws. This requires legislative approval. The announcement is somewhat related to a Treasury discussion paper released in December 2020. However, other matters addressed in the paper, such as deductions for expenses unrelated to current employment, have not been taken further at this stage.
Electric vehicles to be exempt from FBT
The Taxable Payments Reporting System already applies to some businesses in industries where noncompliance 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 have their information collected.
31SEPTEMBER 2022 | FIND MAROONDAH
A business with aggregated turnover of less than $50 million will be entitled to a 20% bonus deduction for expenditure relating to a digital business adoption.
The Commissioner of Taxation will be given new powers to direct a taxpayer to undertake a record-keeping education course in lieu of an administrative penalty.
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(25-Aug-2021)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(3-Aug-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)AssentofeffectAssentofeffectAssentofeffectAssentofeffect(1-Jul-2023)
The new directive will be initially limited to small business owners in order to assist them in keeping up to date with tax obligations.
Starting from 1 July 2023, operators of sharing economy platforms will be required to report transactional information to the ATO.
The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.
The start date of the proposed changes have been delayed after the former Bill was prorogued at the last federal election.
Small business technology investment boost
ATO to have power to make small businesses undertake tax education course
Small businesses will get a bonus tax deduction on top of the allowable deduction for training their Businessesemployees.with aggregated turnover of less than $50 million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to external training courses delivered to a business’s employees by a registered training organisation in Australia.
2022 TAX UPDATES
The bonus deduction will be available for expenditure incurred from 7:30pm (AEDT) on 29 March 2022 (2022 Federal Budget night) until 30 June 2023.
There is a limit of $100,000 of eligible deductions able to be claimed by a business each income year but can be claimed on both business expenses and depreciating assets.
Small business skills and training boost
The individual must then provide the Commissioner with evidence of completion of the course in order to avoid financial penalty. The new directive will be available after the Bill receives Royal Assent.
The identification of users of sharing economy platforms means that, as an adviser, you should be informing taxpayers who earn income off these platforms of their tax obligations. This includes short-term accommodation, ride-sharing transport and food delivery platforms.
Also, other task or time-based service platforms will be required to report for income years beginning on 1 July 2024.
Sharing economy reporting system to be implemented
REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY R EAL E STATE HOUSE OF THE MONTH SEPTEMBER 2022
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If you have questions, contact Warren on 1300 88 38 30 or email: editor@findmaroondah.com.au Email your Rental Listings to Find Maroondah each week and we will update your Listing in the online community paper for FREE. RENTALFREE RealAdvertisingLISTINGforEstateAgents
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NEW RENTAL LISTING 14 Mitcham Road, Donvale VIC 3111 Avail Now $430 Per Week 3 1 1 MORE DETAILS HOSKINS 142 Maroondah Highway Croydon VIC 3136 03 9722 croydon@hoskins.com.au9755www.hoskins.com.au 2/22 William Street, Ringwood, VIC 3134 Avail Now $430 Per Week 2 1 1 MORE DETAILS Looking to market your Building Company in Contact Warren for all of your advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au Contact Warren for all of your advertising needs. FREE OPEN INSPECTIONS IN THE REAL ESTATE Email your Open Inspections to the Find Maroondah each week and we will update your Open Inspections in the online community paper for FREE
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Looking to market your Building Company in Contact Warren for all of your advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au NEW RENTAL LISTING RAY WHITE CROYDON VICTORIA 71 Main Street Croydon VIC www.raywhitecroydon.com.aucroydon.vic@raywhite.com97253136744 3 Reeve Lane, Chirnside Park, Vic 3116 Avail Now $525 Per Week 3 2 2 MORE DETAILS 22 Armstrong Drive, Rowville, VIC 3178 Avail Now $550 Per Week 3 2 2 MORE DETAILS 17/25-37 Spring Road, Springvale South, VIC 3172 Avail Now $400 Per Week 2 2 2 MORE DETAILS
41SEPTEMBER 2022 | FIND MAROONDAH NEW RENTAL LISTING STOCKDALE & LEGGO RINGWOOD 1/23 Ringwood St, Ringwood VIC 3134 P: 03 9879 6335 | F: 03 9879 www.stockdaleleggo.com.au/ringwoodringwood@stockdaleleggo.com.au8987 $ 490 Per Week 3 1 1 Available Now MORE DETAILS 21 Muir Sreet, Mount Waverley VIC 3149 $ 495 Per Week 3 2 2 Available Now MORE DETAILS 8 / 74-76 Maroondah Highway, Croydon VIC 3136 Looking to market your Building Company in Contact Warren for all of your advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au $ 575 Per Week 3 2 2 Available Now MORE DETAILS 6 / 1 GORDON COURT, Ringwood VIC 3134 $ 720 Per Week 2 2 1 Available Now MORE DETAILS 8 / 180 Queens Parade, Fitzroy North VIC 3068
NEW RENTAL LISTING 71 Main Street Croydon VIC croydon.vic@raywhite.com972531367441 Seymour Street Ringwood VIC 3134 03 9955 maroondah@fletchers.com.au4988www.fletchers.net.au FLETCHERS MAROONDAH $500 Per Week Available Now3 1 2 MORE DETAILS 4 Allaware Avenue, Croydon, VIC 3136 $600 Per Week Available Now3 2 2 MORE DETAILS 29 Melview Drive, Ringwood North, VIC 3134 $485 Per Week Available Now3 2 1 MORE DETAILS 33 Blackburn Road, Mooroolbark, VIC 3138 $450 Per Week Available Now3 1 2 MORE DETAILS 11 Maggs Street, Croydon, VIC 3136 $390 Per Week Available Now2 1 1 MORE DETAILS 54/13-15 Hewish Road, Croydon VIC 3136 $550 Per Week Available Now4 2 2 MORE DETAILS 8 Merry Street, Ringwood East, VIC 3135
43SEPTEMBER 2022 | FIND MAROONDAH $370 Per Week Available Now2 1 1 MORE DETAILS 9/94-96 Oban Road, Ringwood North, VIC 3134 NEW RENTAL LISTING 71 Main Street Croydon VIC croydon.vic@raywhite.com972531367441 Seymour Street Ringwood VIC 3134 03 9955 maroondah@fletchers.com.au4988www.fletchers.net.au FLETCHERS MAROONDAH $300 Per Week Available Now5 3 2 MORE DETAILS 1/135 Burwood Highway Burwood East VIC Looking to market your Building Company in Contact Warren for all of your advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au Contact Warren for all of your advertising needs. FREE OPEN INSPECTIONS IN THE REAL ESTATE Email your Open Inspections to the Find Maroondah each week and we will update your Open Inspections in the online community paper for FREE
Maroondah Mayor, Cr Mike Symon, encouraged residents to nominate a young person who they felt had made a positive contribution, shown commitment, achievement or innovation in their local community, or who had demonstrated personal growth and endurance to overcome hardships to achieve their goals.
• Perseverance – an individual who has demonstrated ongoing determination and persistence, whilst overcoming challenges in their day-to-day life.
Do you know a young person who is doing amazing work in the community? If so, now’s your chance to reward their efforts by nominating them for a Maroondah Youth Award.
For more details on nomination categories and eligibility see Maroondah Youth Awards 2022 or email youth@maroondah. vic.gov.au, call 9294 5704 or 1300 88 22 33.
Further information
recognised 117 exceptional young people who were nominated across four categories: Leadership, Creativity, Perseverance and Teamwork.
“We are so lucky in Maroondah to have such an engaged community of young people, though at times the amount of work they put into creating positive change in the community can go unnoticed,” Cr Symon said.
Maroondah Council News SEPTEMBER 2022
“As Council believes all nominees are deserving of recognition, there is no overall winner. Instead, we acknowledge the commitment, achievements and resilience shown by all nominees,” Cr Symon said.
Nomination categories for 2022 are:
• Teamwork – a group of young people who have collaborated to provide a service, program or project that has resulted in positive youth-led change in the local community.
To nominate someone for the Maroondah Youth Awards, complete the nomination form on the Maroondah Youth Award webpage.
Nominations for this year's Maroondah Youth Awards are being invited until Friday 23 September 2022.
Council’s Maroondah Youth Awards is an annual event that celebrates and recognises the strengths, resilience and achievements of young people aged between 10 and 25 in TheMaroondah.eventis
“The Maroondah Youth Awards gives us the opportunity to celebrate deserving young people who lead by example and inspire others through their leadership, drive and determination,” he said.
The 2022 Maroondah Youth Awards will be presented at an evening ceremony to be held at Karralyka on Monday 28
a night filled with personal stories, inspiring speeches, amazing performances, and recognition of exceptional young people who either go to school, work, or live in the City of Maroondah.
Nominations are being invited up until the closing date of Friday 23 September 2022.
LastNovember.year’sawards
Maroondah Youth Awards - help shine a light on our young achievers
• Leadership – an individual who has shown significant leadership qualities, positive direction and has empowered others.
• Creativity – an individual who has shown the ability to use innovation through visual arts, performance, media, or another art form.
Every young person nominated receives an award as part of the ceremony.
Enlightenall.”ispresented
Maroondah Council News
said audiences can expect opportunities to get involved. “Enlighten is an outdoor interactive spectacle that brings a sense of joy, wonder and reconnection to public space and local communities. It reminds us of our similarities, not our differences, and holds people in a gentle, playful embrace.
SEPTEMBER 2022
“Audiences can expect to be elevated, to see something they have never seen before and to be drawn into the compelling world of Enlighten. It looks glorious, sounds incredible and leaves you feeling connected to humanity and the divine within us
Co-Artistic Directors Carolyn Hanna and Penny Baron are excited to bring Enlighten to Ringwood. They hope audiences take up the chance to reconnect and enjoy live performances again following the COVID-19 pandemic. The show was inspired by “a grand desire to connect an audience of strangers in the spirit of play and reflection”, so Carolyn and Penny
findmaroondah.com.au 45SEPTEMBER 2022 | FIND MAROONDAH 45SEPTEMBER 2022 | FIND MAROONDAHMAY2022
“What makes this work so special is the feeling of safety, lightness and play it brings to audiences. We are constantly amazed by the response from the public and how quickly and deeply they get involved.
Enjoy an unforgettable evening as Enlighten by Born in a Taxi comes to Ringwood Town Square this week.
Integrating dance, comedy and participatory theatre, Enlighten invites audiences of all ages to journey into the celestial heavens and reflect on how we connect, what’s important to us and our search for the sacred within us all. It is set in a unique, transparent box, THE CUBE, which combines indoor and outdoor stages and dazzles audiences with its interactive lights and image projections.
Enlighten set to TownRingwoodviewersdelightinSquare
by Maroondah City Council and awardwinning physical theatre company Born in a Taxi, as part of the outdoor activation program funded by the Victorian State Government with support from Eastland. There will be a free performance each night from 6.30pm on Friday 2, Saturday 3 and Sunday 4 September. Rug up if it is cold for this magical performance!
Food and Garden Organics service - Q&A Session Learn more about the new FOGO service coming in May 2023 From May 2023, Maroondah residents will be able to put their food waste to good use, with a food and garden organics (FOGO) waste collection service. Find out more
A free performance of Enlighten will start at 6.30pm each night from Friday 2 to Sunday 4 September. Each performance will run for approximately an hour and 15 minutes, providing the perfect opportunity to enjoy dinner pre or post-performance at one of the fantastic restaurants in Ringwood Town Square. No bookings or tickets are required.
View the full list of Arts and Cultural Grants Program recipients
A diverse range of creative arts and cultural projects will be rolled out over the next 12 months after sharing in a total of $23,273 allocated under Council’s Arts and Cultural Grants Program for 2022-23
Yarrunga Community Centre Manager Samantha Blackwell said the collaborative community art project was made possible through the Arts and Cultural Grant. “Without the funds, this opportunity would not exist. This project allows us to expand our works and programs that incorporate art as the core focus. We are very proud and excited to be working on the project,” she said.
Yarrunga Community Centre is a registered charity that offers health and wellbeing programs, social groups, adult education and community information located in Croydon Hills. The community centre opened its doors in November 1996, with ‘Yarrunga’ derived from the Aboriginal word meaning “beneath tall trees”.
Other successful initiatives and projects to receive funding include: ‘Maroondah Jazz’ - two free events to be held at Ringwood Town Square and Wyreena featuring both professional and youth bands covering different styles of jazz; and ‘Blossoms of Life: The Eucalyptus Flower for Everyone’ - a public art project incorporating the talents of visual artist Hsin Lin and poet Lauren Hancock to be installed as a vinyl wrap on a public toilet block at Ringwood Lake Park.
The collaboration will involve a series of workshops with the artist, community surveys and a design competition, with the chosen design to incorporate the predominant themes and feedback.
“Iproject.would
“The involvement of highly skilled artists and cultural leaders in these projects is key to their success. We wish all of the recipients the very best with their upcoming projects and look forward to the impact that this will have across Maroondah,” he Thesaid.Artsand
Cultural Grants Program is a category of Council’s Community Grants Funding Program and aims to deliver community-driven projects, initiatives and events that increase the city’s arts profile and participation within the arts.
Applications for the next round of Arts and Cultural Grants will open in March 2023.
The sculpture will be created out of reclaimed steel by artist Tim Read, in what will be a unique piece that reflects and celebrates Yarrunga’s 25 years of service to the community.
2022-23 Arts andannouncedrecipientsCulturalGrant
“The Arts and Cultural Grants support a diverse and culturally rich Maroondah through community-driven initiatives, projects and events that strengthen the identity and profile of the arts in Maroondah, and we are delighted with the range of projects submitted by the applicants in this round of funding,” he said.
An art sculpture to be designed in partnership with the community and installed within the gardens at Yarrunga Community Centre is one of seven projects to receive funding.
like to congratulate all of the groups who were successful in securing funding. These range from public art initiatives in our arts precinct to activities that focus on building understanding and awareness of culturally diverse and isolated groups,” Cr Symon said.
Also, YourDNA Creative Arts will work with students considered to have disabilities and artists in Maroondah to develop and create a musical instrument that will allow them to share and explore sounds, skills and stories as part of ‘The Sound Tree’
Offered annually to eligible groups and artists, the Arts and Cultural Grants enable artists and not-for-profit groups and organisations to deliver arts and cultural activities that reflect the diversity of the Maroondah community.
Maroondah Council News SEPTEMBER 2022
The funding can be used for a wide range of projects including creative development and presentation; arts and cultural programs; and the activation of new arts and cultural spaces. Maroondah Mayor and Chair of the Maroondah Arts Advisory Committee, Cr Mike Symon said Council had once again received applications for projects of a high standard.
Join us for the screening of Still Alice - a dementia awareness session. Australia is estimated to have 1 million people living with Dementia by 2050. Gain an understanding of what this can mean, while watching an Academy Award-winning movie ‘Still Alice’ featuring Julianne Moore, Alec Baldwin and Kristen Stewart. Caladenia Dementia Care’s CEO, Sarah Yeates will also provide a short presentation on Dementia and discuss some of the amazing resources available to support those in our community living with Dementia and their Carers.
Find out more
Find out more
Read of Still AliceDementia Awareness Session
Ringwood Art Society presents their new exhibition Habitat reflecting on the physical and psychological worlds we inhabit. Ringwood Art Society, a group of local artists painting in the City of Maroondah for the last 56 years, is proud to present their latest exhibition: Habitat. The exhibition features a diverse range of paintings, depicting the physical and psychological worlds we inhabit and touching upon themes of nature, family, friendship, happiness, loss and sorrow.
47SEPTEMBER 2022 | FIND MAYMAROONDAH2022
SEPTEMBER 2022
We invite you to join us for a vigil and walk at Ringwood Lake in support of suicide prevention, remembering lost loved ones and for the survivors of suicide. The LifeConnect team invite you to join us for a vigil and walk around Ringwood Lake in support of suicide prevention, remembering lost loved ones and for the survivors of suicide.
Habitat: Ringwood Art Society
Maroondah Council News
MovieMorescreening
Remembrance Walk
Are Not-For-Profityou 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
NOT-FOR-PROFITYOURSUPPORTLOCAL
Pinchapoo is the biggest national not-for-profit supplier of personal hygiene essentials and works with over 900 + leading organisations, community groups and government institutions as a total hygiene solution, providing a reliable source of customised, culturally appropriate and gender inclusive packs to EVERYBODY in EVERY situation of
world first, modern day Robin Hood concept together with landfill stock rescue programs, we have redistributed more than 10 MILLION personal hygiene products to hundreds of thousands of disadvantaged men, women and children nationally each year all from our Bayswater warehouse.
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How can you help? Running a friend & family, office or community group collection is a great way to engage in the mission! Our high demand products are currently toothbrushes, roll on deodorants, soap and face washers. For more information on how you can get involved- please visit pinchapoo@ hotmail.com or follow us on socials.
Making the choice between putting food or toiletries into our shopping trolleys isn’t one we should have to make. Personal hygiene essentials help to optimise our physical and mental health, help us to confidently connect and contribute to our worlds and provide us with dignity and self worth. Its no longer those on the street who need our help, but those in your street.
It is our vision that EVERY Australian has access to this basic human right essential to our mental and physical wellbeing and this alarming statistic eradicated however with the rising cost of livingthis has only become harder putting great strain on us to supply for more than ever before.
51SEPTEMBER 2022 | FIND MAROONDAH
Remind yourself to LISTEN first. You’ve got two ears and one mouth, listen twice as much as you speak. Limit throwing out advice or solutions too soon, even if a solution seems obvious. Work with them to come up with solutions together.
Gently nudge, don’t nag. Follow up your conversation to show that you genuinely care (remember the power of social support) and to determine whether they are feeling any better. If they aren’t, re-explore some of the support options outlined in Step 3. There is no one-size-fits-all when it comes to improved mental health and well-being, so trying a few different things is important.
• Disrupted sleep, aches, and pains, declining physical health, looking and feeling run down
1. Friends and family – social support
Remind yourself to relax. Take a deep breath. Role model calm and composed.
Explore referral options together and explicitly ask what you can do to best support them. “I’m aware of some good support options, how can I best help you connect with someone? Let’s do this together.”
The list could go on! Warning signs can appear in all shapes and sizes. But always trust your instincts! Look out for any change in behaviour or someone acting out of character.
“Hey *insert name*, you seem a bit off at the moment, how are you going? No seriously, how are you really going?”
Four. Check-in, again and again.
Plan for the conversation before acting. Have a loose script in mind. What are the observable behaviour changes you might comment on?
• Increased alcohol and/or drug use, anger, aggression, irritability, crying, sadness, nervousness, anxiety
• Challenging life events (separation and divorce, parenting difficulties, exam stress, work-related pressures, job insecurity, physical illness, social isolation, and loneliness)
Keep it simple. Take the pressure off yourself to have all the answers. You can stumble and fumble your way through this stuff, there’s no perfect thing to say to someone who mightn’t be travelling so well.
How to support those who mightn’t be.
Two. A little bit of prep and kickstarting the conversation:
• Risk-taking and impulsivity, ‘wild’ behaviour
Don’t underestimate the power of social support. “How can I best support you right now?” Even if they don’t seem receptive to your support, simply being there for them can be extremely valuable. Each time you offer your support, it can be that metaphorical nudge they might need towards getting help.
Five. When looking to support someone else, it’s important to make sure you’re looking after yourself. ‘It’s hard to pour from an empty cup’.
Consider, are you feeling capable of providing support? Do you have time to listen? Have you got your own self-care and support in place? Practice self-care regularly to help YOU, but also so you can better help others.
One. Spot the signs:
If you’re going to genuinely ask someone how they are doing, you need to be prepared for a range of responses including, “Not OK”.
52 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au
As the saying goes, prior preparation prevents poor performance. What are the environments/locations that may be less confrontational to kickstart a conversation? Over a coffee? Over a beer? While exercising?
To commemorate R U OK? Day on Thursday 8 September, our friends at Livin’ have shared some hot tips on how to identify and support a family member, friend or colleague who may not be feeling 100%. You don’t have to be qualified to make a difference. A simple conversation could just change a life.
Three. Let them know about support options:
Self-support – encourage good self-care practices. “What have you done in the past to feel better about yourself? Alright, let’s start doing some of this stuff again.”
No seriously, R U Ok?
3. Trusted GP for a chat – ask about a Mental Health Care/ Treatment Plan and referral to a mental health professional
2. Lifeline – 13 11 14 – free crisis support 24/7
If you’re finding life tough or need some extra support, it can help to talk about how you’re feeling with someone you trust. Family and friends can also call upon these services for advice and assistance on how to support someone who is struggling with life. View our directory of national helplines and services at ruok.org.au/findhelp
Family.So,
Importantly, you may have a skill/interest that you would like to share with and enthuse our current membership - you will be pleasantly surprised by the level of interest that is generated by this Youinput.can, of course find out more about joining us, current membership fees, Courses and Activities on our easy to navigate website at www.u3aringwood.org.au or email us info@u3aringwood.org.au or phone 0481 591 224.
53SEPTEMBER 2022 | FIND MAROONDAH NOT-FOR-PROFIT EVENT
FOR THE RETIRED AND SEMI-RETIRED:
We enjoy the company of ladies of all ages and backgrounds, so come along and you will be warmly welcomed.
• Out and About Excursions - always enjoyable and strengthen friendships.
• Wine Appreciation and Quilting.
Ringwood U3A is a relatively small, friendly organisation that runs a wide variety of Classes.
Boronia View Club will meet on Friday 16 Sept at 11.30am at Eastwood Golf Club, Liverpool Rd., Kilsyth for a lunch meeting costing $27. VIEW ( Voice, Interests and education of Women) is a National women’s organization and support network bringing together women of all ages and backgrounds to come together to enjoy social activities, develop skills and make connections while supporting Australian children experiencing disadvantage.
You may be interested in diverse and informative Courses such as :
• Computer assistance and free basic digital skills mentoring.
• Foreign Languages and Family History.
• Poetry, Music, Film and Art Appreciation.
Enquiries to Judith on 9764-8602 Boronia View Club
• Drawing and Sketching, Writing and Card Making
ADVERTISEMENTACTIVITIES
There will also be a trading table, raffle and book stall. All monies raised goes towards the Learning For Life program run by The Smith ladies come along and join us and you will be warmly welcomed.
On offer are a wide range of Exercise Classes including Tai Chi, Yoga, Shibashi, Line Dancing and Dance to Music, as well as Table Tennis.
The speaker will be James Nicolas talking about “The Mystery of Fairyland”, a house in Kew.
Equally important there are very active Discussion Groups which enhance our knowledge - such as Current Affairs and Elders and the Law.
NOT-FOR-PROFIT EVENT ADVERTISEMENT Maroondah TOWN Club Inc. (Take Off Weight Naturally) meets every Thursday evening from 6.30pm. Meetings are held at St Margaret's Uniting Church hall, Hull Rd Mooroolbark. We support all members to eat healthily, exercise and to loose weight. Further information contact Kaye 0414984062 www.townclubs.com.au We are celebrating 50 years in October 2022. 12 NOV RINGWOOD STATE SCHOOL BUILDING CENTENARY 1921-2021 & EX-PUPILS’ REUNION Maroondah Federation Estate Greenwood Ave, Ringwood Sat 12 Nov 2022, from 10am - 4pm Displays, music, food, coffee, films, photos, books, ECB-FM radio on-site What a day to remember! Ringwood & District Historical Society have brought together many community groups to celebrate this centenary and have invited former pupils as guests. Join us! Centenary cake. PRESIDENT.RDHS@GMAIL.COM BY KNAITH ROAD • 20+ Vehicles from Vintage Cars to Big Rigs for kids to touch, honk horns & explore! (under supervision) • 40+ Market Stalls incl. Food Trucks • Pony Rides, Animal Farm, Face Painting • Jumping Castle, Sausage Sizzle and SO much more! includes Touch a Truck display & free animal farm Knaith Road Child Care Centre open from 10am – 12 noon for tours Come see us at: Knaith Road Reserve, Ringwood East VIC 3135 off Dublin Road
55SEPTEMBER 2022 | FIND MAROONDAH NOT-FOR-PROFIT EVENT ADVERTISEMENT Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper. SEND US YOUR NEWS! Simply upload your ad www.findmaroondah.com.au/nfp-free-advertisingatoryoucanemailtheadtotheeditor@findmaroondah.com.auandwewilldotherestforyou.
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58 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au RETIREMENT We will look after your financial affairs so you can enjoy your retirement. WHO WE ARE Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients. WHERE WE WORK We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live. WHAT WE DO We don’t sell proucts but provide simple retirement planningBendigosolutions.|Geelong | www.findretirement.com.auMelbourne 1300info@findretirement.com.au883830 Mon - Fri: 9am - 5:30pm Sat: 10am -1pm Sun: CLOSED This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367. Find Aged Care Services is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services Are you an established and experienced Financial Planner providing Aged Care Advice?
59SEPTEMBER 2022 | FIND MAROONDAH Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area. We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities. For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services. List Your Aged Care Facilities with Find Aged Care Services Website Today.
60 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.au PROFESSIONAL SERVICES INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 62 • Find Accountant ---------------- 60 • Financial Planning ------------- 00 • Find Insurance -------------------- 61 • Bookkeeping ---------------------- 62 • Editor|Copywriter --------------- 62 • General Insurance ------------- 61 • Life Coach --------------------------- 62 • Signages ------------------------------ 63 • Mortgage Brokering ----------- 63 • Solicitor/Lawyer ------------------ 00 Special Tax Return Offer Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation PROFESSIONAL SERVICESPAGE 1300 88 38 30 $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf. 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. TRADIES - FREE ADVERTISING 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. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
findmaroondah.com.au 61SEPTEMBER 2022 | FIND MAROONDAH 61SEPTEMBER 2022 | FIND MAROONDAH 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. 1300 88 38 30warren@findinsurance.com.auwww.findinsurance.com.au 248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221 • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) Personal Insurances Include: 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. PROFESSIONAL SERVICESPROFESSIONALPAGE SERVICES 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. Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797. Height Safety Insurance Brokers ABN: 266892118030418 300 096 | www.heightsafetyinsurancebrokers.com.ausales@heightsafetyinsurancebrokers.com.au Australia’s Trusted Height Safety Insurance Brokers CRAIG ANDERSON GENERAL INSURANCE • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General Insurance We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: Visit Us Here When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.
FIND MAROONDAH | SEPTEMBER 2022 PROFESSIONALfindmaroondah.com.auSERVICESPAGE 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 www.theparentwhisperer.com.au418 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! Melbourne’s Best Kept Parenting Secret KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love ARCHITECTURAL DESIGN SERVICES 1. Feasibility Studies 2. Design Only 3. Design and Document 4. Full service package (and more) +61 426 188 744 SERVICES • Book Editing • Memoirs and Life Stories • Editing and Proofreading • Business Content Services • Indexing Make your writing www.creativetext.com.au0437susan@creativetext.com.auZING!127159 www.kirachitecture.comPOcontact@kirarchitecture.comBox233ElthamVIC3095 KATHY ISMAIL ARCHITECT At Fineantics we want to make sure that the service you receive is specifically designed for the needs of your business. Every business is different and we don’t want to take a cookie cutter approach to bookkeeping. You will only ever pay for the services your business needs. For this reason we have a range of service options we can match to your business and your budget. TASKS WE HELP WITH INCLUDE: • General bookkeeping • Software setup and training • Accounts payable and receivable • Reconciliations • BAS / IAS / TPAR preparation and lodgements • Payroll and superannuation • Preparation and explanation of monthly / quarterly reports • Liaise with Tax Office • Streamline processes PO Box 129, Mooroolbark, Vic 3138 0400 905 505 Monday - Friday: 9am - 5pm After hours available by appointment
findmaroondah.com.au 63SEPTEMBER 2022 | FIND MAROONDAH 63SEPTEMBER 2022 | FIND MAROONDAH We offer contact-free installation! Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime. Importantly, we’ll work out how to keep your staff and our installers safe while on the job. Get in touch today. 03 9874 0543 We are open and here to support your business. Signarama Mitcham SERVICES • Creative Services • Installation Services • Project Management • Printing • Resources • Finance Option PRODUCTS • Plans & Permits • Sign Writing • National Projects • Project Management • Fleet Graphics • Installations • Design • Brand Audits & Consultation • Manufacturing PROFESSIONAL SERVICESSHLPAGEFINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS • INVESTMENT LOAN • COMMERCIAL LOANS • STANDARD VARIABLE & FIXED RATE LOANS • HONEYMOON LOANS • BRIDGING LOANS • INSURANCE • DEVELOPMENT FINANCE REECE DROSCHER MORTGAGE BROKERING Get YouMorthgagetheDeserve 0478reece@shlfinance.com.au0217572/3RingwoodStreet,RingwoodVICAustralia3136www.shlfinance.com.au GLENN MARTIN MANAGING DIRECTOR º WHS/ OHS º Manufacturing º Regulatory Compliance º Safe Working Practices º Succession Planning º Business Management º Operations MARK FELTON OCCUPATIONAL HEALTH & SAFETY Areas of Expertise 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. Contact Details 03mfelton@beaumontlawyers.com.au97271376POBox61,MooroolbarkVIC3138www.thebeaumontgroup.com.au/lawyers/ 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 • Wealth Creation and Investments • Wealth Protection Other Financial Planning Services • Budgeting and Cashflow Management • Debt Management 703 Whitehorse Road, Mitcham VIC 3132 03 9872 5455 admin@findwealth.com.au
PAGES INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00 LOCAL TRADIES Are you a Tradie? Need referrals? Consider joining the Find Maroondah Network group. *Available until your category is taken when a Tradie joins the Find Network Team. Contact Warren for all of your Advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au TRADIES - FREEADVERTISEADVERTISINGHERE
65SEPTEMBER 2022 | FIND MAROONDAH PAGES HOME & GARDEN BUSINESSES INDEX PROFESSIONAL SERVICES • Gutter Protection ------------------ 66 • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00 ADVERTISE HERE Do you provide Home and Garden services in the Maroondah region? Contact Warren for all of your Advertising needs. Warren Strybosch 1300 88 38 30 editor@findmaroondah.com.au
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67SEPTEMBER 2022 | FIND MAROONDAH PAGES HEALTH & BEAUTY If you have any questions, contact Warren on Warren Strybosch 1300 88 38 30 BUSINESSESeditor@findmaroondah.com.auDo you provide Health and Beauty services in the Maroondah region? INDEX PROFESSIONAL SERVICES The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist. Contact Us Areas of Clinical Focus info@childreansosteopathiccentre.com 03 9876 3011 www.childrensosteopathiccentre.com OsteopathDrLactationB.App.Sc(Clin.Sc)B.Osteo.ScGradDipPaedsConsultant(IBCLC)JoannaStrybosch • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly and Torticollis • Tummy Time, Rolling and Crawling • Walking, Limping and Balancing • Sleep Challenges • Dental and Orofacial Myology • Breathing Retraining • Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women • Lactation Consultant ----------- 62 • Swen Pouches ---------------------- 63 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00
PAGES0473 039 www.instagram.com/somethingsimplymadesomethingsimplymade@gmail.com661 HEALTH & BEAUTY
SPORTS We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport.
2023.
to her MS diagnosis Annette was a P.E Teacher and played a variety of sport including netball, athletics and was also a State League volley ball player.
Despite these setbacks Annette who joined the Ringwood Bowls Club three seasons ago has through coaching with her determination and tenacity will play both singles and pairs at the upcoming Championships that has integrated
One of Ringwood Bowls Club members
disabled teams into the tournament along similar lines adopted for the recent Commonwealth Games. It is a great honor for Annette who had to adjust her stance along with her line and length when delivering the bowl.
Annette was diagnosed with multiple sclerosis 2 years ago after experiencing symptoms for 4 to 5 years. Currently she has weakness on her right side and her balance, coordination and strength are affected. MS can also cause fatigue, muscle spasms and a high chance of Priorfalls.
The Ringwood Bowls Club is very proud of Annette’s achievement and wishes her success at the Championships.
Annette has thanked her coaches –Richard Sanzin and Sandy Elliot for the time they spent coaching her and enabling her to reach the status of National selection.
And a final word from Annette - Bowls has been kind to my body and I would like everyone to know that ‘Bowls is inclusive and is a sport for anyone’.
Good luck Annette – we are with you all the way
The Norwood FC is pleased to announce the reappointment of Nick Blair as Development Squad Coach for season Nick has been and continues to be an integral part of our match committee. His dedication and leadership underpins our player pathway and development congratulatinginNick on his
Annette Ruffle has been selected to make her debut at the Australian National Championships to be held at Mermaid Beach in Queensland from September 30th to October 5th.
Pleaseprogramme.joinus
Peter Horton
CoachingMemberBowlsForRecognitionRingwoodClubAnnouncement
70 FIND MAROONDAH | SEPTEMBER 2022 findmaroondah.com.auSPORTS
reappointment.
The Norwood Football Club has a rich history, one that we’re looking to protect by establishing a set of brand guidelines for the club. Currently, there is uncertainty and inconsistency with our use of colours, fonts etc. This project aims to provide brand consistency and help grow the Norwood Football Club as a professional and recognisable brand.
findmaroondah.com.au 71SEPTEMBER 2022 | FIND MAROONDAH 71SEPTEMBER 2022 | FIND MAROONDAHSPORTS
BrandNorwoodProject
SEND US YOUR NEWS! Simply upload your ad at Click Here or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you. Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.
We'd love your feedback - we NEED your feedback. Please take the time (~5 mins) to answer a few questions about the Norwood Brand and how we could improve it. Head to the Norwood FC website to learn more - https://www. norwoodfootballclub.com.au/brand/
FREE ReligiousADVERTISINGGroupsandChurchesServicesTimesPublicNoticesMaroondah 1300 88 38 editor@findmaroondah.com.au30 SEPTEMBER 2022
73SEPTEMBER 2022 | FIND MAROONDAH Religious Groups andServicesChurches • English Sunday 10am • Karen Sunday 1pm • English Sunday 6pm Pastoral Team Senior pastor - Andrew Harris Karen Pastor - Moo Hei NextGen Pastor - Matt Moran Worship Pastor - Leah McCormack Transform Pastor - Ben Dickson Community Engagement - Gitta Clayton Children's Co-Ordinator - Meagan Dickson Youth Co-Ordinator - Mat Weller 6 Bemboka Rd, Croydon Hills VIC 3136, Australia +61 39876 4503 | 0405 507 118 Croydon Hills Baptist Church 51 Lusher Rd, Croydon VIC 3136 +61 39761 6778 Hope City Church Our Online Services Sunday 10am and 6pm About us Hope City is a community partnering with Jesus to see His Church grow and to see people encounter God’s presence and be transformed by His Spirit and Word. We look to empower every believer in God’s purpose for their life so that the 7 Mountains of society will be impacted by God’s kingdom. We see a Church where every person experiences the goodness of God in their lives through energetic praise and intimate worship. 13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169 Ringwood Church of Christ 10ServicesAMSundays – main worship service Also streaming on Facebook Live 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. www.ringwoodchurch.org.au 281-283 Colchester Rd, Kilsyth South VIC 3137 +61 39720 7121 Services 9:00AM service and 10:30AM family service Night service monthly 5pm 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. Canterbury Gardens Community Church
Religious Groups and Churches 1 Tamar St, Ringwood VIC, 3136 (03) 9870 0102 Services: Sunday 10 AM RINGWOOD COMMUNITY CHURCH Connecting People With God And One Another Livestreamed: myrcc.co/live Activities for all - children, youth, families, adults, senior Services:(03)041767968298762600 CROYDON HILLS & WONGA PARK ANGLICAN CHURCH Connecting People With God And One Another • 9am Service at St Marks Wonga Park, cnr of Toppings Rd and Yarra Rd Wonga Park • 10:39 am at St James Croydon Hills , 21-23 Bemboka Rd Croydon hills Do you have an upcoming events? Place your EVENT AD here for FREE in our community online paper. SEND US YOUR NEWS! Simply upload your ad www.findmaroondah.com.au/nfp-free-advertisingatoryoucanemailtheadtotheeditor@findmaroondah.com.auandwewilldotherestforyou.
SEPTEMBER &Birth,2022DeathsMarriagesFREEAdvertising is available related to Death Notices, Funeral Notices, Births YOURSENDMarriages.andUSNEWS!Maroondah 1300 88 38 editor@findmaroondah.com.au30
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77SEPTEMBER 2022 | FIND MAROONDAH LOCAL COUPONS Up to 50% of generated funds goes to Not-For Profit organisation. 28 February - 28 February 2023 FIND CARD LOCAL OFFERS PRESENT VALID FIND CARDS Registration of Find Cards Please go www.findmaroondah.com.au/registertoPleaserefertoPage86-87 LOCAL COUPONS OFFERS SAMPLE
TABLE OF CONTENTS BUSINESS NAME CARD NO. PAGE NO. FIND COFFEE COMING SOON FIND BREKKY, BRUNCH & LUNCH FINDFINDENTERTAINMENTTAKEAWAYFINDTRAVELFINDDINING CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. Bedford Coffee Co. 005 66 COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. Sofia Croydon 003 64 The Quiet Vegan 003 64 Casalinga 001 66 Vulcan Pizza 002 71 Casalinga 001 71 Sofia Croydon 003 71 Casalinga 001 64 Bedford Coffee Co. 005 71
FIND ADVERTISING 1300editor@findmaroondah.com.auCOUPONS883830 Part of the secret of success is to eat what you like and let the food fight it out inside.
Dining
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& Brekky,LunchBrunch FIND ADVERTISING 1300editor@findmaroondah.com.auCOUPONS883830The best memories are made when gathered around the table
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85SEPTEMBER 2022 | FIND MAROONDAH
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NEW
Entertainment Dance is the poetic baring of the soul through motion FIND ADVERTISING 1300editor@findmaroondah.com.auCOUPONS883830
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required to present your Find Card at any businesses you wish to or
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The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2022
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The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.
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