Find Maroondah - Winter Edition 2022 Sample by Find

WINTER EDITION 2022

Maroondah

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COLUMNIST CONTRIBUTORS

ABOUT THE FIND MAROONDAH By Warren Strybosch

FOUNDER | ACCOUNTANT

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-and-coming events in the Find Maroondah for Free. We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month. We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

WARREN STRYBOSCH

Pg 01

LIFE COACH | FACILITATOR

LESLEY-ANNE BANTON

Pg 02

CRAIG ANDERSON

NEHA NAYYAR

Pg 04

Pg 05

KATHY ISMAIL

MORTGAGE BROKER

SIGNAGES

Pg 03

ARCHITECT

BOOKKEEPER

EDITOR | WRITER

SUSAN PIEROTTI

GENERAL INSURANCE

Pg 06

COMMERCIAL COFFEE MACHINE HIRE

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area. To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists. Without their support, we would not be able to provide this community paper to you. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

GLENN MARTIN

Pg 09

REECE DROSCHER

LACTATION CONSULTANT

Pg 07

OCCUPATIONAL HEALTH & SAFETY

IVANA SMITH

Pg 10

Would you like to join the Find Network and contribute to the paper? Go to www. findnetwork.com.au/join to

JOANNA STRYBOSCH

Pg 08

MARK FELTON

join or to express interest. Pg 11

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Follow us on facebook (https://www.facebook.com/findmaroondah) so you keep up to date with what we are doing. We value your support, The Find Maroondah Team.

Maroondah The

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30

ALL THINGS MAROONDAH

NEXT ISSUE

The City of Maroondah is a local government area in

Next Issue of the Find Maroondah will be published on

Victoria, Australia in the eastern suburbs of Melbourne.

Thursday September 15, 2022. Advertising and Editorial copy

Maroondah had a population of approximately 118,000

closes Thursday August 25, 2022.

editor@findmaroondah.com.au

as at the 2019 Report which includes 9000 business and

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close to 46,000 households. The City of Maroondah was

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POSTAL ADDRESS: 248 Wonga Road,

created through the amalgation the former Cities of

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Warranwood VIC 3134

Ringwood and Croydon in December 1994.

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OUR NEWSPAPER The Find Maroondah® was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising

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

DISCLAIMER Readers are advised that the Find Maroondah accepts no responsibility for financial, health or other claims published

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SMSF: Where is your trust deed and is it up to date? operation of the Fund and provides guidance to the trustee as to the particular actions they can undertake, it is extremely important to ensure that the Trust Deed remains current and that the Trustee has the authority under the Trust Deed to act to the extent permitted by the legislation.

ACCOUNTANT By Warren Strybosch For Trustees, it is important to make sure the original trust deed is kept securely and updated when new superannuation laws change; especially where those laws will have an impact on the decisions made by the trustees of the fund.

There are numerous instances of when trustee actions have not been permitted due to an outdated trust deed. If the Trustees were to undertake such actions without the authority of the trust deed they could risk, to name a few:

A recent case, Jowill Nominees Pty Ltd v Cooper [2021] SASC 76, has highlighted the importance of ensuring that original trust deeds are kept securely, read and complied with.

• •

As highlighted in Jowill, one of the key duties of the trustee is to know the terms of the trust deed and keep the original signed trust instrument safe and secure. If the trust deed is lost, it is very difficult for the trustee to discharge their duties. The duty in this regard is heightened for SMSFs given the interplay of the concessional taxation regime and the legislatively mandated rules around membership and trusteeship. These risks are magnified if, as a further example, it is the trust deed of a related unit trust or limited recourse borrowing arrangement that is lost.

Lost trust deed

•

Conclusion

Often, the information falls well short of producing the full contents of the trust deed and could not be relied upon.

If a trust deed is lost and reasonable searches and inquiries had been made with all relevant persons, legal and accountancy firms and 3rd party authorities that could have been expected to hold a copy of the trust deed, without success, the trustees might be able to relay on ‘secondary evidence’ to prove the existence of a trust. However, the secondary evidence must be clear and convincing evidence not only of the existence, but also the terms of the trust.

Failure of trust It is a timely reminder for all trust and SMSF advisers that the obligation to act in strict conformance with the terms of a trust deed is perhaps the most important duty of a trustee.

Secondary evidence

Where, the deed has been lost, a trustee cannot discharge this overriding obligation and will be held to be acting in breach of trust.

For a court to be satisfied the secondary evidence is suitable, the text of the missing document must be able to reproduce the trust in full (see for example, Barp Nominees Pty Ltd [2016] NSWSC 990) and there needs to be evidence to satisfy the '3 certainties of a trust', that is:

Therefore, if the trustee continued to deal with trust assets and administer the trust, they would effectively cause further breaches of trust, and this could lead to further sanctions. As an example, if a trustee were to make distributions, in the absence of a trust deed, this would be a clear breach of duty.

a. b. c.

the identity of the beneficiaries; the property the subject of the trust; and the nature of the trust (i.e. whether fixed or discretionary or an SMSF).

Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions; Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed; The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

Trustees have a duty to account to the beneficiaries of a trust. Having a trust deed in place, that has been read, as well as the terms of the deed being heeded, provides a good starting point to avoiding many of the breaches that might otherwise occur. A trustee needs to discharge its duty by ensuring that the original trust deed is kept secure, but also read; and complied with. Lastly, the trustee needs to review the trust deed to determine if the trust deed needs to be updated to allow them to perform the actions required of them.

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

Warren Strybosch

Keeping it up to date Not only should the trust deed be read and heeded, it also should be kept up to date. Given the trust deed governs the

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and be someone you normally wouldn’t be. It was understanding, trust, compassion, and love that helped ET get home. What could help you to get back to a place that you know you are home within yourself? Is it love?

Love, Compassion and Togetherness trumps Anger and Divide! PARENTING

present in our lives and not knowing what could happen when this might leave us, and what it could do while it is here. What is that your fear might need, in this unknown time?

By Lesley Banton With so much divide and civil unrest it is a time to come together despite how we individually choose to experience and perceive the world right now. Life is tough enough without the divide of our personal point of views around covid. What if we could show compassion, love, and respect, despite our differences of opinions? Could the journey out of this psychologically and emotionally could be through love, compassion, and togetherness? On many levels and areas in life, there is stress right now and most of it comes from FEAR showing up when COVID showed up. ET is an iconic film of an extra-terrestrial showing up after being left behind and his journey to get back home. The journey to get home for him was scary, unknown, and filled with uncertainty about the place he had been left behind in. He learns to trust those around him overcomes his fear, likewise, the humans around him build trust in him, rally around in love and compassion to keep ET safe and get him home. Likewise, there were a group who fear him, hunted him, wanted to capture him. If we use ET as a symbol that represents our fear showing up having been triggered by the uncertainty of COVID being

Fear is a part of you that can do unpredictable things to your thinking, perception, and actions, it can be a part of you that you shame, a part of you that you might be scared of as it might be alien to you, or let it become part of your identity when it never used to be. How might your fear/ anxiety/ stress react to being on an unknown world – the world of covid and being screamed at, feared? What might it need to feel safe? What might it need to be ok with being there and understood? In the film, ET quickly built trust with those around him, and without a full understanding of words, he felt love and secure enough to put trust in those around him to help him get home. It was love, compassion and togetherness that go him home. How might you help yourself, your fear/ stress/ anxiety get back home? home to love trust and understanding? This can be also true with many right now, as they are in panic and want to contain, ignore, or destroy their fear. Fear and panic can be paralysing, it can cause you to run away from those trying to help you and towards those who don’t. Fear can also dominate your thoughts and prevent you from moving forward because you feel unsafe, unsure and can also make decisions that you wouldn’t normally make

Compassion? Understanding of where you are at? This might be easier said than done right now yet love and understanding helps us feel safe and secure in moving forward in our lives. So how can we move from fear to love? Notice Awareness Focus In fear we might feel withdrawn, we might believe we have no choice, we are stuck, hopeless, attacked, angry, or in procrastination. We might also be forthright, overstep other people’s boundaries with words or actions. We might make irrational decisions and statements, act in a way to ‘protect' ourselves but hurt or disrespect others in the process, our bodies might feel a bit off, low in energy, or feel we want to take flight. Whatever it is for you one of the first steps is to NOTICE this. Notice where your thoughts and thinking are at, how your body is feeling, what are your actions doing? Once you empower yourself with noticing yourself, your thoughts, emotions, and feeling are you give yourself the gift of awareness. With this AWARENESS, you can put words and understanding to where you are at and what state of mind and emotions you are in. You can then choose to change your thinking and focus to bring you back to love. In this space ask yourself: • What would love do? • What would compassion do? • If I was in a state of love or certainty, what would I do? What would I think? Feel? Act? • What if I showed compassion to those who have a different perception and opinion? As you are asking yourself these questions breathe and FOCUS on yourself, calm your breathing and notice your body calming, bring thoughts of love, kindness, joy, gratitude, or whatever words bring a sense of calm and peace to you. By bringing yourself back to a place of love and out of a state of fear you can navigate your world differently more empowered, and you could help those around you come back to a place of love come back to a place of feeling like home within themselves, bring back a sense of togetherness.

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Australian Entities and the EU General Data Protection Regulation. Should I Have Cover? GENERAL INSURANCE By Craig Anderson

Are you running an entity incorporated in Australia and dealing with clients on line who are in the EU, or clients in Australia who have EU citizenship? If you are, and you mishandle their data, you may have simultaneously breached Australian and European Regulations. To be clear, this article is not intended to offer legal advice, but to highlight you may need to examine a potential area of risk in your business further. You might find the link below useful, but in the meantime, you may be wondering where insurance fits into this conversation. https://www.oaic.gov.au/privacy/guidance-and-advice/ australian-entities-and-the-eu-general-data-protectionregulation Put simply, one of the greatest underestimated risks to any business is the theft, or hijacking, of client data; thanks to a malware attack or hacking incident.

Once this occurs, the business will likely have to self-report to the Office of the Australian Information Commissioner (OAIC), and let all of their customers know about the breach and the potential impact to those affected. At that point, it may be found that the General Data Protection Regulations (GDPR) rules have been breached as well, and fines may apply. A website which has a survey or chat function which uses cookies may also breach GDPR rules depending how the data is used or stored, and where it is used, and by whom. See link below for self-reporting of data breaches in Australia. https://www.oaic.gov.au/privacy/notifiable-data-breaches/ report-a-data-breach Cyber Insurance can cover Crisis Management Costs, Notification and Breach Response Expenses, Defence Costs, Fines and Penalties (where insurable under the law), Multimedia Liability, Loss of Business Income and potentially Cyber Extortion Money in some circumstances.

A cyber-consultant risk. Given the frequency and severity of cyber events, a cyber-policy is a must for businesses, and can be an effective last line of defence against massive cyber related financial losses. For a health check of your business insurance, contact Small Business Insurance Brokers via email at sales@ smallbusinessinsurancebrokers.com.au, or call 0418 300 096 Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au

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ACCREDITED EDITOR By Susan Pierotti We’ve all heard of the Charge of the Light Brigade. It refers to the slaughter of an English brigade in the Crimean War of the 19th century. Did you know they all died because of poor communications? The Crimean War Let’s backtrack a bit. Russia throughout its history has sought a warm water port for its fleet and for essential supply chains, preferably one linked with the Mediterranean Sea. In the 19th century, Russia was expanding its territory across Asia and Europe while its neighbour, the Ottoman Empire in Turkey, was slowly but surely disintegrating. Russia thought to expand into the Black Sea and used the Crimean Peninsula as its diving board into warmer climes. Turkey asked Great Britain and France for help against the invasion, which is why, on a late October day in 1854, the British, French and Turkish armies stared down a valley at their Russian enemy. There were only two mounted brigades, one of which was the Light Brigade. As the name suggests, it consisted of light, fast, unarmoured horses and men armed with lances and sabres, but no guns. They were trained and armed for maximum mobility and speed, not a long march or a handto-hand battle. What was that again? Lord Raglan commanded the entire army. Lord Lucan had overall command of the cavalry units and the Light Brigade was commanded by Lord Cardigan. Lucan and Cardigan were brothers-in-law—and they hated each other. The problem began when Lucan received a message from Raglan stating:

Lord Raglan wishes the cavalry to advance rapidly to the front, follow the enemy, and try to prevent the enemy carrying away the guns. Troop horse artillery may accompany. French cavalry is on your left. Immediate. The Russians were attempting to take away the huge guns up on the hilly rise. What Raglan didn’t realise was that Lucan couldn’t see them. He was down on the flat plain and the only Russians he could see were ahead of him, massed for battle and armed with rifles but with no big guns.

Tips for Clear Communication You want me to do what?! Cardigan could have asked for clearer orders but that meant having to swallow his pride and ask Lucan for clarity. Instead, he obeyed the orders and rode in front of his 670 men down a narrow valley flanked on three sides with enemy fire. Lucan never sent the promised horse artillery, thereby sealing the fate of 118 men, with 127 wounded and 335 horses destroyed. Lessons learned How does this apply to our 21st-century lives? No matter who you are, there are many times and situations where you will need to send a precise, unmistakable message. A parent emailing the school principal about her child being bullied, a business owner sending a final warning to an employee, a warehouse manager ordering supplies – all require the art of clear communication. If you want to send a message that cannot be misinterpreted (especially one that could save lives!), don’t: • • • •

To make matters worse, the message had been drafted by someone other than Raglan and delivered by another who, when asked by Cardigan which guns, pointed to the wrong ones!

get someone else to draft it assume the receiver will have all the information you have give someone to deliver it who gives the wrong information trust that people will overcome entrenched hostility to one another for the common good.

Clear communication is vital in this age of fast internet access.

A few helpful tips: • If you are feeling emotional, scribble your first draft with pen and paper, then tear it up. Drink a glass of water, breathe deeply, then go to your computer and start typing. • Show someone else what you’ve written. Accept that you may have left out stuff in your haste to get your thoughts down. • Your reader will respond better to your showing them what the issue is with some offered suggestions on how to solve it, rather than outpourings of how it has affected you emotionally. • Read through everything you’ve written before you click the send button. In fact, why not seek out a writing professional to assist you with all your communication needs? Contact us at info@creativetext.com.au if you want help with business content, life story telling or editing.

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

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BOOKKEEPER By Neha Nayyar Well 2021 is finally behind us, hopefully 2022 can only bring us bigger and better things. For many people, January is the perfect time for reflection on the year that was, and goal setting for the future. Setting yourself up for success this year shouldn’t be hard or overwhelming. Here are some simple ideas to get started.

Ensure you are on the cloud As technology rapidly advances, it is more important than ever that your business is keeping up. Touch of button reporting, fast payments, invoicing, and payment gateways all help us do business better and faster. Customer expectations are high where technology is concerned, don’t get left behind. If cloud accounting seems overwhelming, talk to a trusted bookkeeper or accountant about your concerns, I am sure they can out your mind at ease.

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How to Set Yourself Up for Success in 2022

Leave it to the experts Times have changed, as a business owner, you no longer need to ‘do it all’. There are so many outsourcing opportunities for you to make the most of. By looking into outsourcing, so you will see just how affordable these options may be for things like bookkeeping, marketing, recruitment, event management, admin… etc. Don’t let the word ‘outsourcing’ put you off, think of getting your taxes done by an accountant, that is outsourcing. Ask around, I think you would be surprised at how many business owners outsource many of their tasks, leaving them more time to do what they love- whether it is building their business or spending more time with loved ones.

Use downtime for training When you have downtime in your business, use it to invest in yourself. This is so important and one thing that constantly gets overlooked by business owners. With the online world we

live in, “training” is not what it used to be, you no longer need to set aside days and pay big dollars for facilitated training sessions onsite. There is plenty of free training and upskilling out there- start by looking on LinkedIn for free courses, and there are also plenty of paid online courses for whatever

you have a great base, and the figures are then one less thing you need to worry about.

niche your business is in. Check out the reviews to make sure they seem suitable and go and learn new skills. Choose courses or training that interest you and that will assist you in building your business.

to make informed business decisions. Please contact us if you would like more information about our Health Checks. We can be reached at (03) 9424 9447 or info@sumsubstance. com.au. You can directly book in a time to chat by going here: https://calendly.com/sumsub/15min?month=2022-01.

Get your books looked over Are you sure you are on track? Same old spreadsheets being used year after year? By having an expert eye look over your books for a reasonable fee, you can start the year knowing you are on a solid path to growth. By ensuring you have everything in order and the best systems in place, you know

At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners

Neha Nayyar SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

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3 Cool Tips For Your Home Over Summer Does the idea of emptying everything out of your home and lifting up the carpets and every floorboard make you shudder? Why not talk with an architect about this, as they will have many ideas on how this can be accomplished with your existing flooring arrangements.

ARCHITECT By Kathy Ismail With the La Niña climate pattern affecting the holiday weather across Australia this summer, we might not have as many super-hot days as usual. Nevertheless, the occasional day over thirty may see you scurrying for the air conditioner’s remote control.

3 Eaves When you think about it, a house without eaves is really like person without eyebrows. Our eyebrows aren’t just decorative, just there to give our faces some sort of definition. They actually provide several useful functions, as do eaves. Our eyebrows protect our faces from sweat as eaves protect a home from rain. They prevent our eyes being filled with dirt as eaves prevent dirt and dust from entering our homes. (Just think of all the garden rubbish our eaves collect!)

While air conditioning is a blessing, it tends to fill the home with undesirable chemicals, can affect people with allergies badly and is massively expensive to run. What if there were other ways to keep you home efficiently cool? Here are three tips for living in your home with a comfortable room temperature throughout the long summer days and nights. 1 Curtains and windows Windows draw in heat from the sun. The best insulator for windows is double glazing or proper sealing. If that’s out of your budget or your plans for now, the next best option is triple-backed curtains. Something as simple as installing heavy curtains can make a massive difference between enjoying your space and sweltering in it. Triple-weave curtains not only look good, as they drape beautifully, but they have the ability to drop the temperature in your room during hot weather. They are made with three tightly interwoven layers, the one in the middle made of a black thread that blocks sunlight and heat. Triple-weave curtains come with other great advantages. They are mould-resistant, they act as a great fire-retardant and they filter outside noises. They are also easy to care for – just pop them in the washing machine, hang them out to dry, press them with a cold iron if necessary, then re-hang them in the room.

Keep them drawn during the hottest part of the day, only opening them again when the sun has shifted away from the windows. You will notice a marked decrease in heat in your home. 2 Insulation The ability of insulation to control temperature in buildings, especially in the ceiling–roof space, was recognised well before the Pink Batts scandal of the government was installing the batts was to help people reduce their power bills by saving on energy consumption – a good thing.) Insulating one’s home contributes hugely to warmth in winter and cooling in summer, as anyone who has lived in a home without insulation knows! Insulation also prevents mould and damp from permeating your home. Did you know that the floors can and should be insulated as well? This is not an issue for more modern homes built on concrete slabs, but for homes constructed in the ’70s and ’80s built on wooden stumps, floor insulation is certainly worth considering.

Eyebrows and eaves both protect our eyes (and homes) from glare and heat. In the summer months, the angle of the sun is higher and the temperatures are hotter, but the eaves prevent that light and heat from penetrating your home. Eaves are an important home feature in the quest for cooler temperatures. If your house has narrow eaves that you wish to enlarge, you can do this after applying to your local council for permission to extend them. However, it is quicker and better to ask an architect to do that for you as they are more experienced with council applications and their authority will carry more weight. Contact KIR Architecture at contact@kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.

Kathy Ismail ARCHITECTURE KiR ARCHITECTURE 0422 026 962 | www.kirarchitecture.com

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Your New Year’s Resolution - Review Your Finances you should avoid. If you are able to access a balance transfer deal you should cut up the card, so you are unable to use it and add to the level of debt. You can then set up a budget to repay the amount owing within the agreed term. AFTERPAY/ZIPPAY ACCOUNTS Many people are unaware that these types of buy now/pay later options come with a credit limit, and also now appear on your credit records. Banks treat them exactly like a credit card when assessing finance applications, so minimising their use will ensure your credit score is not negatively affected. If you do get into a predicament with these types of accounts then the tips to helping with credit card debt will also apply here. REFINANCE TO A BETTER HOME LOAN

MORTGAGE BROKERING

get your credit card debt back under control. 1.

By Reece Droscher During the Christmas and New Year period we are focused on spending time with family, perhaps getting away for a wellearned break and preparing to put a difficult 2021 behind us. This time of year is a great time to relax and enjoy being with our loved ones, but it is also a time where a lot of us find ourselves in a difficult financial predicament due to overindulgence with spending. That’s why the festive season is a great time to review your finances and help yourself into a better position going in to 2022.

I have listed below some areas where taking the time to review your finances could have a major impact on saving you money. CREDIT CARD DEBT

The most common problem we have once Christmas is over is looking at our credit card statement and wondering how it managed to get so out of control. Should you find yourself in this situation there are a number of potential solutions to help

Consolidate your credit card debt into a Personal Loan or Home Loan. By consolidating your debts you will have a set term to repay the amount owing at an interest rate which is generally much lower than what your credit card costs. However this may also mean you are paying the debt back over a long term, so you need to be disciplined to ensure you repay the debt quickly. You don’t want to still be paying off this year’s Christmas presents 5 years from now. Set yourself a maximum two year term to repay the debt in full. Reduce your available credit limits. Once your credit card repayment arrangements are in place reduce your available limits to ensure you cannot get yourself into this position again. By having a small limit you will be able to manage the repayments more comfortably and clear the debt without further assistance. Look for balance transfer deals. A number of lenders will offer either low or even zero interest rates on balance transfers of credit card debt. These offers usually come with a time limit to repay the amount owing in full. On the surface this is a great way to manage paying your accumulated debt, however there are potential traps that

Now is also a great time to review your Home Loan to make sure your lender is providing you with the most suitable loan to suit your needs. During the year we are generally so busy with life in general that reviewing what is usually our largest expense is put in the too hard basket. By taking some time now to see whether your current Home Loan is the best option you could save yourself thousands of dollars in interest and several years in time taken to repay your loan. BUDGETING To avoid getting yourself into a financial predicament in the future set a realistic budget to keep a track of your spending and, most importantly, stick to it. Why most budgets fail is that we place unrealistic expectations on ourselves. By setting realistic goals we are more likely to achieve them. Being consistent and putting smaller amounts into savings on a regular basis is more effective than making larger deposits at random. Your spending habits will also be aligned to your savings goals, but don’t be too hard on yourself if you have a period where you are unable to reach your savings goals due to unexpected expenses. Things happen. At SHL Finance we would love the opportunity to discuss your finance requirements with you. Please call Reece Droscher on 0478 021 757 to find out how we could help you save money or improve your financial situation.

SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au

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Torticollis and Breastfeeding Difficulties LACTATION CONSULTANT By Dr. Joanna Strybosch In my private osteopathic and lactation consulting practice I see quite a number of babies who have a persistent head tilt or turn. This condition is called torticollis (latin for “twisted neck”) and most of these cases are what we call congenital muscular torticollis. This means the baby was born with it and its origin is muscular.

Photo credit: Jenean Newcomb vis Unsplashed

When the sternocleidomastoid (SCM) muscle in the side of the neck is shortened, contracted or tight, it produces a characteristic tilt of the head to the affected side as well as a turn away from that side. In some babies, the head tilt component is more noticeable and in others it is the turn. The condition makes it difficult and uncomfortable for the baby to hold their head straight or to turn it the other way.

In order to latch correctly, a baby must be able to position at the breast comfortably. If a baby has restricted movement in their neck from torticollis, there will usually be challenges for baby to turn into the breast on one side and this will manifest as difficulty latching and/or sustaining a latch. Baby may have difficulty latching onto the breast altogether, they may slip on and off repeatedly, they may come off early and cry, or they may tire quickly and stop before they have had a full feed. Baby often has extra difficulty regulating their state, quickly becoming unsettled and overwhelmed at the breast, and unable to relax enough to feed well.

The cause of congenital muscular torticollis is usually due to the way the baby was positioned in utero. When a developing foetus grows in a restricted position within the confines of the uterus, their head can be abnormally tilted to one side. This persistent position impacts the way the SCM muscle grows and develops and then after birth the altered tone of the muscle affects its function and we see the characteristic postural changes.

Sometimes a baby’s head tilt is not very noticeable at birth, and it is not until the baby reaches a few weeks or even months of age that a caregiver may begin to notice it. However, it can be a missed cause for early breastfeeding difficulties.

mum reports a head tilt or preferential turn. As both an Advanced Pediatric Osteopath and an International Board Certified Lactation Consultant (IBCLC), I find combining these two skill sets invaluable in the assessment and management of congenital muscular torticollis and to provide good clinical outcomes.

This is one reason I always assess a baby’s neck during a lactation consultation, and especially if mum describes a history of difficulty with latching. It is also why I often want to observe and assess a breastfeed when

As an osteopath, I usually provide gentle hands-on treatment to massage and relax the tight SCM muscle. I also advise parents on different home-based strategies, such as the best positions to hold baby in while breastfeeding, ways to gently and safely stretch the affected side of the neck and how to use tummy time to effectively assist in the management of this condition. Most babies go on to recover and to breastfeed well.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc) /B.Osteo.Sc/Grad Dip Paeds LACTATION CONSULTANT www.childrensosteopathiccentre.com

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2022, A Sign Of A Good Year To Come •

SIGNAGES By Glenn Martin

•

Signs guide and inform us about almost everything. From roadways to shopping venues to healthcare, education, and houses of worship to sports and entertainment venues, we rely on signs to help us navigate our lives. Every business needs identifiers to advertise their location, their hours, and special events. Sign products abound for exteriors, interiors, windows, walls, and even vehicles for new businesses desiring to attract customers for the first time, as well as established businesses that want to update their brand message. Many considerations revolve around what type of sign products work for your business. For the exterior of your business, in terms of standing out in a crowd on a busy city sidewalk or attracting attention from vehicle traffic or pedestrian passers by, Signarama’s exterior sign products include: •

•

Building Signs – Sophisticated dimensional lettering, LED lightboxes, and back-lit LED signs add a layer of professionalism to your signage and get noticed day or night. Digital displays can be programmed to advertise specials and updated information for clients and passers-by. Freestanding Signs – Elegant monument signs mark entrances in high style. They’re constructed to coordinate with your building’s exterior in carved and sand-blasted finishes. Post and panel signs can make a huge visual impact and businesses can save some money by changing just the faces of their signs from time to time. Awning Graphics – Stylish and eye-catching, awning graphics punch up your company’s advertising potential and visual impact in a unique way that may work well with your building’s architectural style. Flags and Banners – Feather and teardrop flags advertise your location with motion that gets the attention of passers-by, as do sophisticated vertical

banners and eye-popping horizontal banners. These can be custom designed to suit your needs and made of various materials. Vehicle Graphics – Fleet graphics, vehicle wraps, decals, custom lettering and magnetic vehicle signs add effective exposure for your business as mobile billboards everywhere you go and everywhere you are parked.

Interior signage sets the tone for all who enter your business and can add a unique WOW factor to your interior design. Signarama’s interior sign products include: •

•

Dimensional Lettering – Back-lit channel lettering enhances your brand image on walls, in foyers and reception areas, making a huge first impression. Window Graphics – Turn your storefront or office front windows into a powerful marketing tool with etched and frosted glass looks or create some privacy with-

Wall Graphics

Building Signange

•

see through perfs for your windows that don’t compromise your natural light. Wall Graphics and Murals – Enliven empty wall space with Signarama murals and wall graphics featuring bold logos and hi-res images in your lobby, fitting rooms, break room, hallways, or even in your conference rooms. Floor Graphics – Vinyl floor decals take advantage of an often overlooked marketing opportunity to advertise or guide customers to your trade show booth or even to a specific sale or promotion in your store.

With many years’ experience in the field, Signarama are able to work with you to design, manufacture, install your signage, offering innovative solutions for all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, visit our website or simply call 1300 633 902 to get in touch with our team of experts today.

Vehicle Graphics

Window Graphics

Freestanding Signs

A-Frame

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Pedestrians and Forklifts Don’t Mix OCCUPATIONAL HEALTH & SAFETY By Mark Felton Tragically, two workers have recently died in Victoria in separate forklift incidents. A 25-year-old worker was killed when standing near a forklift being driven on a sloping driveway. The forklift tipped over, crushing the worker. In a second forklift incident a 49-year-old worker was fatally injured when a large unstable load fell off the fork arms (tines) onto him. Pedestrians make up almost half of all people injured by forklifts. The most common forklift-related injury sustained by pedestrians is crushing. Pedestrians have also lost their lives or sustained traumatic injury when walking across forklift travel paths, doorways or from behind palletised goods or being hit by objects falling: • • •

during the loading and unloading of trucks from an unstable load handled by a forklift from forklifts carrying long, awkward shaped and unbalanced loads

Forklifts are a hazard and, where reasonably practicable, should be eliminated from the workplace, or substituted with other suitable load shifting equipment. If this is not reasonably practicable, the risks associated with using forklifts must be reduced, using engineering or administrative controls, such

as traffic management plans (TMPs). TMPs are the key to separating forklifts from pedestrians, including truck drivers. An effective TMP can include a range of controls, including: • pedestrian and forklift exclusion zones • reduced speed limiting devices (smart forklifts) • halos • signage Everyone at the workplace, including visitors, must be advised of the site's TMP. Once risk controls are in place they must be regularly reviewed, especially when an incident occursor there is a change in work practices, and revised where necessary in line with regulation 121 of the Occupational Health and Safety Regulations 2017 (OHS Regulations). Pedestrian and forklift exclusion zones can incorporate: • safety zones for truck drivers • fixed safety barriers • inward opening gates at pedestrian crossings containment fences • clearly marked aisle ways, travel paths and pedestrian crossings

If separation by fixed barriers is not reasonably practicable, ensure pedestrians stay outside the advised three metre exclusion zone and do not interact with the load during forklift operations. Do you or someone you know need help in understanding and Identifying hazards associated with forklift use, and developing control measures? I can assist by reviewing the current situation and systems, highlighting any shortcomings. I can then assist in the development and implementation of effective measures to reduce risk. 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.

Mark Felton SENIOR CONSULTANT BEAUMONT ADVISORY (03) 9726 9822 | www.thebeaumontgroup.com.au

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Pension Loan Scheme – Helping Retirees Obtain More Income In Retirement FINANCIAL PLANNING By Warren Strybosch

a lump sum for that portion of the home. The draw back here

Government

is that the provider will provide a lesser amount then what

The PLS, enables a person to receive up to 150% of the full

the actual value of the portion is worth e.g., if the house was

age pension rate, less what they already receive in the age

valued at $1M and you were giving away 20%, the provider

pension.

may only give you between $100k and $150k for that portion The Pension Loan Scheme (PLS) is one of few home equity

you have sold to them. The benefit is that there is no interest

The Government has announced changes to the Pension

release strategies available to homeowners to access some

charged; the provider simply takes their portion value at time

Loan Scheme including a change in name and in the

of their equity whilst continuing to live in it.

of sale.

annual interest rate.

Whilst there are a few options available to Australians to

Equity Release Agreement

The Pension Loan Scheme will now be known as the Home

unlock some of their wealth from their home in retirement,

An equity release agreement involves selling a portion of the

Equity Access Scheme to better reflect the initiative it was

the Pension Loan Scheme, is managed by the Australian

value of your home and in return receiving a lump sum or

designed for; namely, a government provided home equity

Government, and provides greater certainty for retirees when

regular payments, whilst continuing to live in the home until it

release scheme.

needing additional funds in retirement.

is sold. The fees come out of the remaining equity left in the

Some of the other strategies available to retirees to unlock

home which, overtime, gradually reduces your remaining

The annual interest rate charged under the Scheme will also

equity owned by you.

reduce from 4.5% to 3.95% from 1 January 2022.

home equity: When the house is sold, the amount you borrowed plus the

Currently, the only option available under this Scheme

Reverse Mortgage

total amount of fees owing to the provider would be paid

is regular fortnightly payments however the Government

A reverse mortgage allows a person to borrow money in

back to them from the sale proceeds. A benefit of these

proposed in the 2021 Federal Budget that from 1 July 2022,

the form of an income stream, line of credit, lump sum, or

types of equity release schemes is that the proportion you

the Scheme will be extended to allow up to 50% of the

combination, using their home equity as security for the loan.

still own can grow in value until the home is sold. Each party,

maximum annual rate of pension to be received as a lump

The most you can initially borrow is between 20-25% of the

you and the provider gain from the growth of the home until

sum (limited to two lump sum payments in 12 months). The

value of the home.

the sale.

legislation to implement this change is currently sitting in the

When the house is sold (usually at death), the compounding

Pension Loan Scheme (PLS)

This information is current as at January 2022. This article is intended to provide general

Interest on the loan and the full amount (plus interest and

The PLS is a type of reverse mortgage administered by

information only and has been prepared without taking into account any particular person’s

fees) is repaid. This can often result in nothing being left to

the government. It enables people of pension age, who

pass on to the estate. Prior to 2012, a reverse mortgage could

meet certain criteria, to access some of their equity in their

have left the estate owing money to the lender, however,

property. The payments are made fortnightly and usually top

since 2012, negative equity protection was introduced,

up the age pension or other forms of retirement income. It

preventing a borrower owing the lender more than the value

is available to Australian property owners of pension age,

officers, employees, contractors or agents, will not assume liability to any person for any

of their home.

irrespective of whether they receive income support from the

error or omission in this material however caused, nor be responsible for any loss or damage

House of Representatives and is not yet law.

objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors,

suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Given the ability for retirees to lose all equity in their home and the higher interest rate that applies, reverse mortgages are considered a last resort when unlocking equity from the home in retirement.

A full age pension couple can receive an extra $718 a fortnight (roughly $18,670 a year) on

Warren Strybosch

top of the age pension. Whereas a self-funded retiree couple can get upwards of $2,154 a

Home Reversion A home reversion involves selling a portion of the home

fortnight (close to $56,000 a year).

to a home reversion provider who will in turn give you

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

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FREE RENTAL LISTINGS & OPEN INSPECTIONS ADVERTISING We will endeavour to update the Listings and Open Inspections each week or as soon as we receive them. Email your Rental Listings to Find Maroondah each week and we will update your Listing in the online community paper for FREE.

Scan the QR code to view more Rental Listings in our monthly community paper from our Local Real Estate Agents in the Find Maroondah Area. If you have any questions, contact Warren on 1300 88 38 30

editor@findmaroondah.com.au

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FREE ADVERTISING FOR RESTAURANTS, CAFES, TAKEAWAYS & CHILDREN ENTERTAINMENT

FULL PAGE ADVERTORIAL FREE ADVERTISING COUPON OFFERS

Consider placing a coupon offers in our community paper. To support other Not-For-Profits, Schools, Clubs and other groups in our local community. Restaurants, Cafes, Takeaways, and Entertainment businesses will have the opportunity to supply discount offers for FREE as a part of Find Card fundraising initiative. We have thousands of members waiting for your offer. Support the local community as we support you.

Contact Warren on

1300 88 38 30 for all of your advertising needs or email the editor@findmaroondah.com.au

visit our website to view

sample coupon offers Go to the Find Cards section at the back of our online paper for more information.

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ADVERTISE YOUR BUSINESS VIA OUR ONLINE MONTHLY PAPER Grow your business with us.

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Consider placing an Ad in our

To get updates, sign up to the

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FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

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List Your Aged Care Facilities with Find Aged Care Accommodation Today Help the local community know you exist and what services you offer. Financial Planners and other service providers to the aged care industry can also advertise on this website. We have developed Find Aged Care Accommodation (www.findagedcareaccommodation.com.au) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300

88 38 30

or email info@findaccommodation.com.au

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Do you provide health & beauty services in the Maroondah region? If you have questions, contact Warren on 1300 88 38 30 or email warren@findfoundation.org.au

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