Find Maroondah B2B Magazine - Winter 2023 Edition by Find

® Magazine Maroondah WINTER EDITION 2023 Support Local, Buy Local, MaroondahDiscover BUSINESS TO BUSINESS info@findretirement.com.au | www.findretirement.com.au MAJOR SPONSOR: ADVERTISE HERE MAJOR SPONSOR: ADVERTISE HERE MAJOR SPONSOR:

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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-and-coming events in the Find Maroondah for Free.

We value your support, The Find Maroondah Team.

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WARREN

GLENN

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.

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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Maroondah 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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By Warren Strybosch

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

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

areas. Pg 01 Pg 02 Pg 03 Pg 04 • Back Cover (198 x 276mm) $3300 Pg 06 Pg 07 Pg 08 Pg 09 FINANCIAL PLANNING ERRYN LANGLEY Pg 10 • Inside Front Cover (198 x 276mm) $3300 Would you like to join the Find Network and contribute to the paper? Go to www.findnetwork.com.au/join to join or to express interest.

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

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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.

JOANNA

MARTIN ARCHITECT

KATHY

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.

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.

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.

ACKNOWLEDGEMENT

DISCLAIMER

NEXT ISSUE Issue of the Find Maroondah be published on Friday May 20, 2023. Advertising and Editorial copy closes Friday May 5, 2022. be to key businesses and around Maroondah e.g. waiting rooms of and and in main shopping

The magazines will

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THE FIND MAROONDAH MAGAZINE p3 BUSINESS SUPPORT HEALTH & WELLBEING Nutrition FINANCE LOCATION MAPS 0 Branding HEALTH Pilates Finance - Commercial Property CATEGORIES A-Z 0 Business Coach Audiologists Reiki Finance - Equipment Accounting 0 Life Coach Counselling Acupuncture Insurance - Business Business Support 0 SERVICES Dental/Orthodontist Chinese Medicine Insurance - General Finance 0 Architects Dentist Optical / Optometry ACCOUNTING Financial Planning 0 Blinds Lactation Consultant IT SERVICES Accounting Health and Wellbeing 0 Catering Medical/Health Services Computer Repair FINANCIAL PLANNING IT Services 0 Commercial Cleaning Naturopathic Medicine Computer Web Design Superannuation Legal 0 Chauffeurs Optical/Optmetry Copywriting Insurance - Personal Local Tradies 0 Dry Cleaning Ostheopathic/Chiropatic Graphic Designer Financial Planning Office Decor 0 Feng Shui Pharmacy Printer Printing Garage Doors Physiotherapist SEO Services Gift Hampers Pilates PRINTING LOCAL TRADIES Interior Design Podiatry Printing Architects Lawn/Garden Care Psychologist Signage Cabinery Photography LEGAL Concreters Printing WELLNESS Lawyers Electricians Property Maintenance Fitness Centres Conveyancers Flooring Security Fitness Trainer OFFICE DECOR Painters Travel Agent Bowen Therapy Artificial Plants Plasterers Venue Hire Health and Wellness Coach Florist Plane Beaters Wedding/Event Planning Homeopathy Office Equipment Locksmiths Massage Therapist Office Supplies Meditation/Yoga TABLE OF CONTENTS

5WINTER EDITION 2023 | FIND MAROONDAH ADVERTISE HERE

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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 ETup.is

• What would compassion do?

If we use ET as a symbol that represents our fear showing up having been triggered by the uncertainty of COVID being

So how can we move from fear to love?

• If I was in a state of love or certainty, what would I do? What would I think? Feel? Act?

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.

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.

and be someone you normally wouldn’t be.

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?

By Lesley Banton

What is that your fear might need, in this unknown time?

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.

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.

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?

FocusAwarenessNotice

This can be also true with many right now, as they are in panic and want to contain, ignore, or destroy their fear.

• What would love do?

6 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

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?

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?

present in our lives and not knowing what could happen when this might leave us, and what it could do while it is here.

PARENTING Love, Compassion and Togetherness trumps Anger and Divide! ADVERTISE HERE Third Page (195 x 90mm)

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?

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 if I showed compassion to those who have a different perception and opinion?

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7WINTER EDITION 2023 | FIND MAROONDAH MaroondahTRADIESLOCALBusiness Name PhoneAddressnumber Flooring Business Name PhoneAddressnumber Business Name PhoneAddressnumber Architects Business Name PhoneAddressnumberBusinessNameAddressPhonenumber Cabinetry Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Concreters Business Name PhoneAddressnumber Business Name PhoneAddressnumber Painters Business Name PhoneAddressnumber Business Name PhoneAddressnumber business coach Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Electricians Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Business Name PhoneAddressnumber LOCAL TRADIES Business Name PhoneAddressBusinessPhoneAddressnumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber Plasterers Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber Plasterers Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumberNamenumber Business Name PhoneAddressnumber Panel Beaters Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumber Locksmiths Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name

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• Read through everything you’ve written before you click the send button.

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.

8 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

You want me to do what?!

• get someone else to draft it

Tips for Clear CommunicationSusanPierotti

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.

If you want to send a message that cannot be misinterpreted (especially one that could save lives!), don’t:

The Crimean War

Lessons learned

ADVERTISE HERE Third Page (195 x 90mm)

Did you know they all died because of poor communications?

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.

In fact, why not seek out a writing professional to assist you with all your communication needs?

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.

What was that again?

• assume the receiver will have all the information you have

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.

The problem began when Lucan received a message from Raglan stating:

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!

• 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.

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.

• give someone to deliver it who gives the wrong information

• trust that people will overcome entrenched hostility to one another for the common good.

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.

A few helpful tips:

By Susan Pierotti

• Show someone else what you’ve written. Accept that you may have left out stuff in your haste to get your thoughts down.

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.

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

• 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.

ACCREDITED EDITOR Accredited Editor Creative Text Solutions 0437 127 www.creativetext.com.au159

1 Curtains and windows

3 Eaves

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.

By Kathy

findmaroondah.com.au 9WINTER EDITION 2023 | FIND MAROONDAH 9WINTER EDITION 2023 | FIND MAROONDAH

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.

3 Cool Tips For Your Home Over Summer

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

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.)

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.

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!)

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.

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.

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?

ARCHITECTIsmail

Here are three tips for living in your home with a comfortable room temperature throughout the long summer days and nights.

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.

Kathy Ismail ARCHITECTURE KiR ARCHITECTURE 0422 026 962 | www.kirarchitecture.com ADVERTISE HERE Quarter Page (97 x 137mm) ADVERTISE HERE Quarter Page (97 x 137mm)

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.

• 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-

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:

• 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.

10 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Half Page Landscape (198 x 138mm)

• 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.

Freestanding Signs

• Dimensional Lettering – Back-lit channel lettering enhances your brand image on walls, in foyers and reception areas, making a huge first impression.

2022, A Sign Of A Good Year To Come

• 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.

• 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.

• 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.

Window Graphics

By GlennSIGNAGESMartin

• banners and eye-popping horizontal banners. These can be custom designed to suit your needs and made of various materials.

Building Signange

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.

• 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.

• Flags and Banners – Feather and teardrop flags advertise your location with motion that gets the attention of passers-by, as do sophisticated vertical

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.

A-Frame

Wall Graphics

Vehicle Graphics

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:

see through perfs for your windows that don’t compromise your natural light.

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12 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Third Page (195 x 90mm)

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.

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

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

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.

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.

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.

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.

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

Keeping it up to date

Secondary evidence

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.

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

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.

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:

• The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

SMSF: Where is your trust deed and is it up to date?

• Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions;

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.

Failure of trust

By Warren

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:

Conclusion

Lost trust deed

ACCOUNTANTStrybosch

• Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed;

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

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.

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

Business

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13WINTER EDITION 2023 | FIND MAROONDAH 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. Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation 1300 88 38 30 Here are the steps involved: 1. Email to warren@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. Special Tax Return Offer - $99 Returns - PAYG Only FINANCIAL SERVICES Business Name PL2StaffPhoneAddressBusinessPL2StaffPhoneAddressBusinessPL2StaffPhoneAddressBusinessPL2StaffPhoneAddressnumberAidServices-693BurkeRd98133977NamenumberAidServices-693BurkeRd98133977NamenumberAidServices-693BurkeRd98133977NamenumberAidServices-693BurkeRd98133977 Bank Business Name

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MortgageCommercial Business Name

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SHL FINANCE

14 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

AFTERPAY/ZIPPAY ACCOUNTS

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

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.

By Reece

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.

get your credit card debt back under control.

2. 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.

3. 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

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.

CREDIT CARD DEBT

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.

REFINANCE TO A BETTER HOME LOAN

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.

1. 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.

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

MORTGAGEDroscher

www.shlfinance.com.aureece@shlfinance.com.au Your New Year’s Resolution - Review Your Finances ADVERTISE HERE Third Page (195 x 90mm)

BROKERING

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.

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 Cyberhttps://www.oaic.gov.au/privacy/notifiable-data-breaches/Australia.report-a-data-breachInsurancecancover

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).

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

By Craig

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

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.

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.

Craig Anderson

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 malwarebusinessPutregulationaustralian-entities-and-the-eu-general-data-protection-https://www.oaic.gov.au/privacy/guidance-and-advice/conversation.simply,oneofthegreatestunderestimatedriskstoanyisthetheft,orhijacking,ofclientdata;thankstoaattackorhackingincident.

findmaroondah.com.au 15WINTER EDITION 2023 | FIND MAROONDAH 15WINTER EDITION 2023 | FIND MAROONDAH

Australian Entities and the EU General Data Protection Regulation. Should I Have Cover?

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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.

a lump sum for that portion of the home. The draw back here is that the provider will provide a lesser amount then what the actual value of the portion is worth e.g., if the house was valued at $1M and you were giving away 20%, the provider may only give you between $100k and $150k for that portion you have sold to them. The benefit is that there is no interest charged; the provider simply takes their portion value at time of sale.

An equity release agreement involves selling a portion of the value of your home and in return receiving a lump sum or regular payments, whilst continuing to live in the home until it is sold. The fees come out of the remaining equity left in the home which, overtime, gradually reduces your remaining equity owned by you.

Pension Loan Scheme – Helping Retirees Obtain More Income In Retirement

Warren Strybosch

Some of the other strategies available to retirees to unlock home equity:

A reverse mortgage allows a person to borrow money in the form of an income stream, line of credit, lump sum, or combination, using their home equity as security for the loan. The most you can initially borrow is between 20-25% of the value of the home.

Pension Loan Scheme (PLS)

Home Reversion

Thepension.Government

When the house is sold (usually at death), the compounding Interest on the loan and the full amount (plus interest and fees) is repaid. This can often result in nothing being left to pass on to the estate. Prior to 2012, a reverse mortgage could have left the estate owing money to the lender, however, since 2012, negative equity protection was introduced, preventing a borrower owing the lender more than the value of their home.

The PLS, enables a person to receive up to 150% of the full age pension rate, less what they already receive in the age

FINANCIAL PLANNING

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.

When the house is sold, the amount you borrowed plus the total amount of fees owing to the provider would be paid back to them from the sale proceeds. A benefit of these types of equity release schemes is that the proportion you still own can grow in value until the home is sold. Each party, you and the provider gain from the growth of the home until the sale.

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The annual interest rate charged under the Scheme will also reduce from 4.5% to 3.95% from 1 January 2022.

Government

Whilst there are a few options available to Australians to unlock some of their wealth from their home in retirement, the Pension Loan Scheme, is managed by the Australian Government, and provides greater certainty for retirees when needing additional funds in retirement.

The Pension Loan Scheme (PLS) is one of few home equity release strategies available to homeowners to access some of their equity whilst continuing to live in it.

16 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

The PLS is a type of reverse mortgage administered by the government. It enables people of pension age, who meet certain criteria, to access some of their equity in their property. The payments are made fortnightly and usually top up the age pension or other forms of retirement income. It is available to Australian property owners of pension age, irrespective of whether they receive income support from the

This information is current as at January 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives,financial situation or needs (‘circumstances’).Before acting on such information, you should consider its appropriateness,taking into account your circumstances and obtain your own independent financial, legal or tax advice.You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits,Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused,nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

By Warren Strybosch

A full age pension couple can receive an extra $718 a fortnight (roughly $18,670 a year) on top of the age pension. Whereas a self-funded retiree couple can get upwards of $2,154 a fortnight (close to $56,000 a year).

The Pension Loan Scheme will now be known as the Home Equity Access Scheme to better reflect the initiative it was designed for; namely, a government provided home equity release scheme.

Reverse Mortgage

Currently, the only option available under this Scheme is regular fortnightly payments however the Government proposed in the 2021 Federal Budget that from 1 July 2022, the Scheme will be extended to allow up to 50% of the maximum annual rate of pension to be received as a lump sum (limited to two lump sum payments in 12 months). The legislation to implement this change is currently sitting in the House of Representatives and is not yet law.

has announced changes to the Pension Loan Scheme including a change in name and in the annual interest rate.

A home reversion involves selling a portion of the home to a home reversion provider who will in turn give you

Equity Release Agreement

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17WINTER EDITION 2023 | FIND MAROONDAH HOME GARDEN& BUSINESSES Do you provide Home & Garden services in the Maroondah region? Let us know what services you offer and place your advertorial in our community paper. Be part of the Find Maroondah Network Group. If you have any questions, contact Warren on 1300 88 38 30 or info@findfoundation.org.au Small business are the heartbeat of your neighbourhood, the spine of your local community, and spirit of your town. Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber Business Coach Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Life Coach Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber BrandingCATEGORY Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name

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To improve liver function:

BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

NATUROPATH

Men’s Health: puberty and prostate

teenage acne, excess androgens are a major culprit in contributing to hyperproliferation of prostate tissue.

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.

18 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Third Page (195 x 90mm)

By Kathryn Messenger

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).

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.

Due to hyperproliferation (excess growth) of prostate tissue, the enlargement of the prostate gland obstructs urinary flow, resulting in poor urinary flow, increased urgency, and

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.

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.

• Increase dietary fibre, particularly through vegetables

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.

Kathryn Messenger

• Increase ‘green leafy’ vegetables such as kale, spinach, broccoli, cabbage, etc

Similarlyincontinence.towith

• Eat bitter foods such as roquette (rocket), and sour foods such as fresh lemon juice.

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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 Indifficulties.orderto

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.

20 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

mum reports a head tilt or preferential turn.

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.

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.

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.

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

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.

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

Photo credit: Jenean Newcomb vis Unsplashed

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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.

By Dr. Joanna Strybosch

21WINTER EDITION 2023 | FIND MAROONDAH HEALTH & BUSINESSES 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 BEAUTY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Audiologists Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Counselling Business Name PhoneAddressnumber Medical / Health Services Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Dentist Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber ConsultantLactation HEALTH & WELLNESS Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Optical Optometry/ Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Ostheopathic / Chiropatic Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Pharmacy Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Physiotherapist Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Pilates Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Podiatry Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Psychologist Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Fitness Centres Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Fitness Trainer Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Bowen Therapy Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Homeopathy Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Massage Therapist Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Medition/Yoga Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Nutrition Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Pilates WELLNESS Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Reiki Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Naturopathic Medicine Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Acupuncture Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber MaroondahWELLBEING&HEALTH Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Dental Orthodontist/ Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Health WellnessandCoach Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber Chinese Medicine

Don’tandPedestriansForkliftsMix

• halos

An effective TMP can include a range of controls, including:

By Mark

Dooperations.youorsomeone

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:

• Everyonesignageatthe

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.

Pedestrian and forklift exclusion zones can incorporate:

22 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

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 ADVERTISE HERE Quarter Page (97 x 137mm) ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE Business Card Size (93 x 65mm)

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

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

• during the loading and unloading of trucks

• safety zones for truck drivers

• from forklifts carrying long, awkward shaped and unbalanced loads

HEALTH & SAFETY

• reduced speed limiting devices (smart forklifts)

• fixed safety barriers

OCCUPATIONALFelton

• from an unstable load handled by a forklift

• pedestrian and forklift exclusion zones

• clearly marked aisle ways, travel paths and pedestrian crossings

as traffic management plans (TMPs). TMPs are the key to separating forklifts from pedestrians, including truck drivers.

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).

• inward opening gates at pedestrian crossings containment fences

23WINTER EDITION 2023 | FIND MAROONDAH Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber ITComputerSERVICESRepair Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Computer Web Design Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Copywriting Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Printing Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY PRINTING Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumber Signage Graphic Designer Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber MaroondahSERVICESIT Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber Printer Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber SEO Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber

Harry's parents in law planted a tree on their land with the birth of each of their children, six in total. These trees included Pin Oak, English Oak and Mulberry and Crab Apple trees.

The area where the the house and shed was (now demolished) is still well preserved as green open space as part of Heatherdale Reserve.

There still exists a large Eucalypt tree with a branch that was used for a swing by the six Findlay children.

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By Elwynne Kift

his wife, Wilma, rented a bungalow from Murray Jones (an early pioneer of Heatherdale) on the West side of Heatherdale Road opposite the General Store owned by Alice Jones (now Micheles Pizza).

Later, harry recalled moving from the bungalow with his wife to her parents house at Heatherdale Reserve off Purches Street, this house was owned by the Findlays (his wife's parents) Wilma grew up in this house from the age of 4. Harry and Wilma had their first and only child, Allan, while still at this house, in 1954.

WeRESERVE!met

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Heatherdale Trees:

Harry showed us a row of cypress trees which were planted along the driveway off Purches Street. These trees are still on the reserve. There was walking access via a track to Heatherdale Road.

Harry1930s.and

THREE GENERATIONS OF HISTORY IN HEATHERDALE

Harry Scoble, a former resident of Mitcham having a stroll the other day at Heatherdale Reserve. Harry is turning 90 in January in next year! He told us of the history of living on the Reserve going back to the

25WINTER EDITION 2023 | FIND MAROONDAH Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber LEGALLawyers Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Conveyancers Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Printer Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Computer Web Design Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressnumber MaroondahSERVICESIT Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber

Get your books looked over

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 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.

By NameBOOKKEEPER

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.

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

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

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Leave it to the experts

BusinessNAMEName PhoneWebsiteNumber How to inforYourselfSetUpSuccess2022

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

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At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners to make informed business decisions. Please contact us if you would like more information about our Health Checks. We can be reached at.

26 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

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.

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

Business Name

27WINTER EDITION 2023 | FIND MAROONDAH Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber OFFICE DECOR Artificial Plants Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressnumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Florist Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Office Equipment Business Name PhoneAddressBusinessPhoneAddressnumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Office Supplies Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressnumberNamenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber CATEGORY Business Name PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumberNamenumberNamenumber CATEGORY

PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberNamenumberNamenumber CATEGORY

PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY

Business

Business Name

PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber CATEGORY

PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY

Business

Business Name

PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber

PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber CATEGORY

Business Name

PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY

PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY CATEGORY

Name

Business Name

PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber

CATEGORY Business Name PhoneAddressnumber MaroondahDECOROFFICE Business Name PhoneAddressnumber Business Name PhoneAddressnumber

Business Name

Name

Business Name PhoneAddressBusinessPhoneAddressnumberNamenumber CATEGORY Business Name

PhoneAddressnumberBusinessNameAddressPhonenumberBusinessNameAddressPhonenumber CATEGORY

Business Name PhoneAddressBusinessPhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumberNamenumber

PhoneAddressBusinessPhoneAddressBusinessPhoneAddressnumberNamenumberNamenumber CATEGORY

28 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE ADVERTISE HERE Business Card Size (93 x 65mm) Business Card Size (93 x 65mm) FREE ADVERTISINGINSPECTIONSLISTINGSRENTAL&OPEN 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. editor@findmaroondah.com.au1300 88 38 30 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

findmaroondah.com.au 29WINTER EDITION 2023 | FIND MAROONDAH 29WINTER EDITION 2023 | FIND MAROONDAH ADVERTISE HERE Third Page (195 x 90mm) visit our website to view sample coupon offers Contact Warren on 1300 88 38 30 for all of your advertising needs or email the editor@findmaroondah.com.au FREE ADVERTISING FOR RESTAURANTS, CAFES, TAKEAWAYS & CHILDREN ENTERTAINMENT Go to the Find Cards section at the back of our online paper for more information. COUPON OFFERS FREE ADVERTISING FULL PAGE ADVERTORIAL 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.

30 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Quarter Page (97 x 137mm) ADVERTISE HERE Quarter Page (97 x 137mm) ADVERTISE YOUR BUSINESS VIA OUR ONLINE MONTHLY PAPER Consider placing an Ad in our online editions and supporting this community paper. Grow your business with us. To get updates, sign up to the Facebook page and Instagram. Our EditionsDigitalisfor FREE Scan the QR code to view more Or visit www.findmaroondah.com.au

findmaroondah.com.au 31WINTER EDITION 2023 | FIND MAROONDAH 31WINTER EDITION 2023 | FIND MAROONDAH ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE Business Card Size (93 x 65mm) FREE ADVERTISING Religious Groups and Churches Services Times Public NoticesADVERTISE HERE Half Page Landscape (198 x 138mm) 1300 88 38 editor@findmaroondah.com.au30 Maroondah

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findmaroondah.com.au 33WINTER EDITION 2023 | FIND MAROONDAH 33WINTER EDITION 2023 | FIND MAROONDAH List Your Aged Care Facilities with Find Aged Care Service 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.findagedcare.service) 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 ADVERTISEinfo@findagedcare.servicesHEREThirdPage (195 x 90mm) ADVERTISE HERE Third Page (195 x 90mm)

The plan should look at reviewing your club’s revenue streams and then look at what you need to do to increase revenue,

Take the following into consideration: What category does our club fall into?

Does your club have a business plan – a plan that outlines what your club is looking to achieve into the future?

We are a Sporting Club

If the answer is NO then it is time for a re-think and most definitely the time your club needs to develop a business plan.

Name of your Sport

Let your members know that your club is working on developing a business plan, a plan that will involve all aspects of your club – revenue, membership, sponsorship, subscription fees to name a few – and importantly seek input from your members.

That’s the name of your Club

Driving your club forward

And do we have a business plan? Running your Club as a business is the only way to go. A business plan will show you how you plan to grow your sporting club in the coming years.

Peter Horton

Don’t waste time looking back – what worked successfully your club a few years ago should be classified as ‘history’ – what you need now is a plan to move your club forward.

What is our product?

But don’t think you can do it alone…get your board involved, get your members involved – work collectively as a club and you will finish up with a business plan that has been well planned, endorsed by your members and implemented.

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Ask yourself this – is our club being run as a business?

Without one you could be seen as a rudderless ship however with a business plan you will be in the position to move your club forward.

increase membership, increase sponsorship whilst also looking at additional revenue streams. The common denominator is the word INCREASE with the common goal being both increased revenue and membership.

34 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

What is our brand?

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• Friends of Koolunga Native Reserve

22,000 voting voices have signed a petition to stop this habitat destruction, those voices will continue to rise right through this election year.

• First Friends of Dandenong Creek

findmaroondah.com.au 35WINTER EDITION 2023 | FIND MAROONDAH 35WINTER EDITION 2023 | FIND MAROONDAH

This denial of science, placing profit above the environment and habitat destruction of a Threatened species which has bred successfully at Lake Knox, is a stance that we the wider community need to call out.

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• Friends of Glenfern Green Wedge

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It is difficult to see logic behind a development that will take from community rather than add?

Dedicated citizen scientists have been monitoring Lake Knox for over 20 months. Their observations of species at Lake Knox now number 88, which include other significant species such as Eastern Long neck turtles, Pelican, Black Swan and Hardhead Duck. This data has been openly shared with all parties involved with the proposed development, including

rejectionCommunityof State destroyGovernmentproposaltoLakeKnox

By Anthony Bigelow President, First Friends of Dandenong Creek

Melbourne Water, and added to various public databases. So conclusive is the evidence obtained by the community and other interested Ecologists, that the protection of Lake Knox had been endorsed by various organizations such as The Jane Goodall Institute Australia, Wildlife

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• Croydon Conservation Society

We as a collective of community groups, wish to join with the State Government in celebrating the arrival of the latest hatching of the threatened Blue-billed Duck at Lake Knox. Unfortunately, this is where our alignment with the government and Development Victoria ends.

“No works are planned which could impact potential breeding” The words of Penny Forrest of Development Victoria, demonstrate that there is a complete lack of understanding with regards to the needs of this Threatened species, or perhaps this agency is unaware of their responsibilities under the Flora and Fauna Guarantee Act, action plan No 174?

The addition of 450 new dwellings into the current vacant public land, and the destruction of this deep water asset, will seal the fate of Blue-billed Ducks in Knox, displacing another threatened species for short term financial profit. Their plan is scientifically questionable, and their ecological guarantees are unfounded. The State Government lacks expertise to replace habitat, and the project has no KPI or resourcing.

Victoria, Environment Victoria, Australian Conservation Foundation, Greenpeace Australia, Australian Wildlife Protection Council, For the Love of Wildlife, People for the Ethical Treatment of Animals, and the Australian Animal Protection Society.

• Friends of Lake Knox Sanctuary

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• Friends of Old Joes Creek

• Greening Knox

• Knox Environment Society

For more information visit www.savelakeknox.org

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• Friends of Blind Creek Billabong

iNaturalist citizen scientist project: www.inaturalist.org/ projects/wildlife-of-lake-knox

ADVERTISE HERE

Infruition.1899

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Hermann Frederick Pump, one of Ringwood's early settlers, died on 1st January 1954, in Heathmont, Victoria, at the age of 79. Up to the day of his death he had seemed to be in his normal health, and had enjoyed a family reunion at Christmas, with twenty-three children — grand-children and great-grandchildren—sitting round the table for Christmas dinner. Mr. Pump was a well-known Ringwood personality. His close associates spoke of him as a wonderful man, always ready to help others, and as staunch a friend as one could wish to find.

HISTORY

36 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au ADVERTISE HERE Third Page (195 x 90mm)

Money was hard to come by, but at least then it had real value. In the early 1900s one could buy a large loaf of bread for 4d. Mr. and Mrs. Pump had four daughters and one son, Wilfred, who now lives with his wife and family next door to the old farmhouse. Mr. Pump was President of the Heathmont Railway League which fought a stiff battle for the station at Heathmont. The station was built in 1926, and on the 1st May in that year Mrs. Pump was given the honour of cutting the ribbon at the official opening and presented with the scissors used at the ceremony as a souvenir.

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HERITAGEOAM&

By Russ Haines

In 1890, 16-year-old Hermann Pump sailed from Denmark to Australia. After a voyage of three months he had his first glimpse of the coastline of the land where he was to spend the rest of his life. For a few years he worked on an orchard at Doncaster. Then he came seeking his own land at Ringwood. In 1896 he bought 50 high-timbered acres in Canterbury Road, which had to be grubbed foot by foot before fruit trees could be planted. "Why choose a site with such tall treesgiving yourself a lot of hard work, aren't you?" said a friend. But young Hermann Pump answered, that land which grew high timber was good land, and he was prepared to do the work and the necessary waiting for the orchard to come to

he married Louise Zerbe, of Doncaster, daughter of one of the early German settlers, and brought her to the house in Canterbury Road where they were to rear a family and live out their allotted span. With the orchard planted he had to wait for it to grow and bear. In the meantime he earned money carting wood over the rough bush tracks. As the children grew and the orchard progressed, there was plenty of hard work. His son, Wilfred, remembers going off to market with his father in the wagon, starting perhaps about 9.30 in the evening, arriving about 3 a.m. and getting home in the early morning, after which his father would start on another day's work.

hermann frederick pump

Mr. Pump was a member of the Ringwood Cool Stores Committee for 40 years, and was its President at the time of his death. He was a member of the Ringwood School Committee for 13 years, and on retirement was presented with a mantel clock. One of the original members of the first Ringwood Horticultural Society, he was President in the days when the Ringwood Show was talked of as the second largest Show in the State. He was a foundation member of the Ringwood Bowling Club, and a member of the Ringwood Branch of the M.U.I.O.O.F. for 53 years, as well as one of its trustees. His interest in cricket was well known, and for 27 years he was President of the Heathmont Cricket Club, and was made a life member. His daughter, Rita, who is also a life member, has been official scorer for the Club for many years.

HERE

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In our April edition we wrote about the new laws surrounding influencers; notably, that ASIC has warned social media influencers that they may face substantial risks and penalties if they promote financial products and services online.

In March 2019, the maximum penalty for these offences was increased to 15 years.

ASIC has provided enough warnings to all of these groups and now are pursuing them in court.

In a statement issued by the corporate regulator, it confirmed that on 6 June 2022, Gabriel Govinda, known online as Fibonarchery, pleaded guilty to 23 charges of manipulation of listed stocks on the Australian Securities Exchange and 19 charges of illegal dissemination of information relating to the ASICmanipulation.foundthat

“ASIC continues to act against this form of market manipulation that threatens the integrity of markets. Posting on social media to coordinate ‘pump and dump’ activity in listed stocks is an offence under the Corporations Act,” the corporate regulator stressed.

findmaroondah.com.au 37WINTER EDITION 2023 | FIND MAROONDAH 37WINTER EDITION 2023 | FIND MAROONDAH

Recently, ASIC has taken an influencer to court and they have been convicted of charges under s1041D of the Corporations Act, in relation to their online posts on HotCopper.

Quarter Page (97 x 137mm)

It also noted a concerning trend of social media posts being used to coordinate ‘pump and dump’ activity in listed stocks, which may amount to market manipulation in breach of the Corporations Act.

names of friends and relatives, to manipulate the share price of 20 different listed stocks. ASIC has previously warned about social media led ‘pump and dump’ campaigns.

Mr Govinda faces a maximum penalty for each charge of 10 years' imprisonment or a fine of up to $765,000, or both.

ASIC is serious about stopping influencers posting ‘general advice’ via social media in relation to financial products and services. Stating you are providing the advice under the guise of ‘general advice’ or that you are doing so as a ‘financial counsellor’ will also not suffice. If you do not hold the appropriate financial planning qualifications and/ or have an Australian Financial Services Licence, then you should not be providing this type of advice. Not only does this apply to influencers but also to mortgage brokers selling personal insurances and accountants providing superannuation advice.

between September 2014 to July 2015, Mr Govinda used 13 different share trading accounts, held in the

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ASIC takes courtinfluencerOnlineto

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By Warren Strybosch

Just because your pet has fur doesn’t mean they can stand the colder weather. Animals acclimatise to warmer weather and indoor living just as people do.

or more shelter. If your pet has access to a heater or fireplace though, you will need to pay attention to their skin as it can dry out if they are too close to a heat source or may even

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Small pets such as rabbits and guinea pigs, older pets, pets with short coats, pets with conditions such as arthritis, all require extra attention on these cold days. Pay attention to the way your pet behaves.

pets such as rabbits and guinea pigs, older pets, pets with short coats, pets with conditions such as arthritis, all require extra attention on these cold days. Pay attention to the way your pet behaves. Are they moving slower than usual, seeking out warm places more, shivering or trembling? These are signs your pet is feeling the cold and may need additional bedding, a coat or more shelter.

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Keep an eye on your pet’s diet as well. They may want to eat more as they can burn up a lot of energy keeping themselves warm but, especially if your pet is indoors most of the time, you don’t want to over feed them either and then have to try and get rid of their ‘winter weight’ next spring. Ensure they have access to plenty of fresh sources of water and check any that are kept outside regularly in case they freeze up and your pet is unable to drink it.

38 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

If you regularly groom you pet, it is important to maintain that routine to avoid fur that gets overgrown and matted. You may not want to trim it as short as normal, but a regular groom will keep your pet in top condition.

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Smallburn.

As a pet owner, you will already be thinking about their needs, wanting them to be as healthy and happy as possible. But with winter here, it can be easy to get it wrong. Your natural inclination is to stay inside where it is warm and dry, and whilst that is important for your pet as well, it is just as important for them to still get outside for some fresh air and, particularly for dogs, a good run around. Timing is important though. Early morning or late evening runs may be too cold for most pets

Winter is officially here. And with it comes the chilly nights, snuggling down with your favourite blanket in front of the heater to stay warm.

If your pet has access to a heater or fireplace though, you will need to pay attention to their skin as it can dry out if they are too close to a heat source or may even burn.

All pet owners understand the joy a pet can bring. By following these simple guidelines, your pet will thrive during the colder months.

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Are they moving slower than usual, seeking out warm places more, shivering or trembling? These are signs your pet is feeling the cold and may need additional bedding, a coat

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findmaroondah.com.au 39WINTER EDITION 2023 | FIND MAROONDAH 39WINTER EDITION 2023 | FIND MAROONDAH

is calling for a separate research and development software tax incentive and an expansion of the limited scope of a “patent box” proposed by the previous government.

The planned patent box would have taxed business income from Australian medical and biotechnology patents at a concessional rate of 17 per cent, effective July 1. But exTreasurer Josh Frydenberg failed to pass the 2021/22 budget measure into law before the end of the last parliament.

Under the Future Made in Australia policy, Labor pledged to provide up to $15 billion of capital through loans, equity and guarantees to projects in resources, agriculture, transport, medical science, defence technology, and renewable energy and low emissions technologies.

Australia’s peak body for innovation technology has called for a digital economy minister to be appointed within the Labor cabinet to urgently fix the crippling skills shortage.

Themarket.AIIA

Global Innovation Index during the Morrison government, having fallen five places to 25 over the past three years. The sector fights for staff in a global talent pool, and risks the loss of ground-breaking ideas to rival economies without internationally competitive research, tax and investment policy settings. Commercialisation of Australian intellectual property needs greater support to continue to deliver growth and jobs in Australia, ensuring our IP is not sold overseas, Mr Gauci

Work begins on rebooting digital economy

Labor has also promised to fix the reach and quality of the NBN and keep it in public ownership, with 90 per cent of Australians to have access to world-class gigabit speeds by

(Australian Associated Press)

Society president Nick Tate said Labor’s plans to build an advanced manufacturing sector will require a strong national investment in digital skills as well as incentives for business to invest in emerging technologies.

Marion Rae

executive Ben Cowling says the ambitious reform agenda for the social housing, health and care sectors depends on accelerating the pace of digital transformation across public services. The Insurance Council has urged Labor to reset policy to bolster the resilience of Australia’s digital environment, including a sustainable cyber insurance

“Our sector could easily employ 1.5 million Australians in the next few years if the government addresses our skills shortage and supports the sector,” Australian Information Industry Association (AIIA) CEO Ron Gauci said.

Australiansaid.Computer

Civica2025.

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The proposed role would oversee policy and regulation of the tech sector, promote new training and education, and make Australia a leading digital government so the nation can achieve top 10 digital economy status by 2030. Australia has dropped on the World Intellectual Property Organisation’s

Australian businesses who could be providing goods and services have been missing out on billions of dollars of government contracts, according to Labor. A Made in Australia Office is expected to be established within the prime minister’s own department to support local firms.

“We are very well aware of that,” he told the Nine Network. “It is not something we can solve overnight but we will be working very hard with the policies we’ve put forward to get the energy policy settled. “Renewables are going to take a long time. No one is saying it’s not important but that’s going to take some time.”

Prime Minister Richard Marles says the cost of living and rising energy prices remain key concerns for the government, with some families struggling to afford turning on the heaters.

coming home to roost when it comes to almost a decade now of climate change and energy policy failure from our predecessors,” he told reporters in Canberra.

Mr Blincoe said Russia’s invasion of Ukraine and the exposure of Australia’s domestic gas market to global gas prices resulted in rocketing rises. “The wholesale energy price is effectively set by the gas price and the Australian gas price has now effectively doubled with the global commodity price for gas,” he said.

Dominic Giannini

“Thisresilient.isthechickens

40 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

(Australian Associated Press)

energy price hikes after 'perfect storm' ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE Business Card Size (93 x 65mm) ADVERTISE HERE Quarter Page (97 x 137mm)

Treasurer Jim Chalmers says the failure of the Liberal government to land an energy policy and put in place infrastructure for renewables has made the domestic market less

As Labor looks to address the issue, more than 80,000 customers could face energy price hikes of more than double, the CEO of smaller power retailer ReAmped says.

“These challenges will not be addressed overnight but it’s important we work hard together to address them.” Deputy

“Our first responsibility in times like this is to implement our Powering Australia plan, so we can boost renewables and storage but most of all boost certainty so we can get that investment flowing… to make our energy markets more Drpredictable.”Chalmers

A spike in gas prices, liquid fuels and electricity have created a perfect storm within Australia’s energy market.

says the spike in gas prices has multiple causes and no easy solutions as he plans discussions with regulators and other ministers to manage increasing costs. “There is no simple mechanism that would immediately take this pressure off the gas price,” he said.

Luke Blincoe says he is being upfront with customers by telling them the retailer cannot offer them the best deals, with wholesale electricity costs higher than retail prices. “We thought we would be upfront and tell our customers (that) to get the best deal they would have to leave us. It is gutting for us but it’s the right thing to do,” he told Nine Network.

“We’ve seen a really, really steep incline. As late as the last seven days, it has really rocketed away. That’s the driver of the energy prices.” The Australian Energy Regulator has a dedicated price comparison website, Energy Made Easy, which shows offers allowing residential customers to save about $443, or 24 per cent, off their bills. Small businesses can save about $1308, or 29 per cent, by switching.

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Company Tax Rates are changing but not everyone is eligible.

• If your company earns passive income, it cannot exceed 80% of the company's assessable income in that income year. Passive income can include:

• corporate distributions and their franking credits; royalties and rent; most income from interest; gains on qualifying securities; and a net capital gain.

The full company tax rate of 30% applies to all companies that are not eligible for this lower company tax rate. The rates are different for previous years and different rules apply.

If your company is a 'base rate entity', your company tax rate is 25% from the 2021–22 income year Foronwards.yourcompany to be a 'base rate entity', it needs to meet the following eligibility criteria:

• Your aggregated turnover for the income year is less than the aggregated turnover threshold (which is $50 million from the 2018–19 income year onwards, or $25 million for the 2017–18 income year).

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Did you know that reduced tax rates may be available to eligible entities? These include companies, corporate unit trusts and public trading trusts.

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Go to https://www.ato.gov.au/rates/changes-to-company-tax-rates/ to learn more.

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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.

What am I covered for under a Trauma policy?

How much does trauma cover cost?

How much trauma cover do I need?

What are the different types of trauma policy payment structures?

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.

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.

Erryn Langley

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:// Errynwww.centrepointalliance.com.au/LangleyisAuthorisedrepresentative (No. 1269525) of Alliance Wealth Pty Ltd.

You can generally choose either a stepped premium or a level premium for trauma cover. Your choice of stepped or level 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.

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.

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.

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/

FINANCIALLangley PLANNER

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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.

Can I fund trauma cover insurance through my superannuation?

I have income protection cover so I don’t really need trauma cover as well, do I?

42 FIND MAROONDAH | WINTER EDITION 2023 findmaroondah.com.au

Trauma Cover – What is it and do I need it?

Financialwww.finwealth.com.auerryn@findwealth.com.auPlanningisofferedviaFindWealth Pty Ltd ACN 140 585 075 t/a Find Wealth.

By Erryn

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.

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.

“Thispractice.will require the collaboration of experts and the support of governments, industry and civic leaders.” A cyber attack is encountered every eight minutes, costing the economy about $33 billion a year, Standards Australia

(Australian Associated Press)

National Standards Adapt To New Challenges

“Without the right national standards in these areas, we risk falling behind the rest of the world in terms of best-safety

Having first mandated what type of bolts should be used on the Sydney Harbour Bridge, Australian standards are now confronting new challenges in the digital economy and energy spaces.

Up to 4000 new standards will be required over the next decade as Australia encounters energy challenges, digital threats and natural disasters, a new report says.

About 10,000 Australian benchmarks have been developed over the past century, helping design and protect places and infrastructure including Parliament House and Melbourne’s tram network.

“The pace and scope of change is accelerating, brought about by the digitisation of the global economy, innovation, scientific breakthroughs and evolving societal tastes,” Standards Australia chief executive Adrian O’Connell said.

In the face of an increasing threat of natural disasters, National Housing Resilience Guides are being examined to show home owners how well equipped their homes are to withstand bushfires, cyclones and floods. The Iconic Nation Report, released on Monday, details how standards have helped safeguard the operation of Australia’s $1.8 trillion economy. “Many Australians may not realise how many of our

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says.The cost of natural disasters is expected to almost double by 2050, from about $20 billion currently to $39 billion.

most treasured national icons are underpinned by Australian standards,” Mr O’Connell said. “These include the Port Lincoln tuna pens in South Australia, Port Arthur in Tasmania, Central Park Tower in Perth, the Melbourne Cricket Ground, Sydney Opera House, Australian War Memorial and Suncorp Stadium in Brisbane.” Cyber security, natural disasters, the environment, hydrogen energy and critical and emerging technologies are the five key areas identified in the new report. Standards Australia is the nation’s peak standards development organisation.

Thousands of new national standards will help with the transition to a digital economy, strengthen cyber attack systems, mitigate the impact of natural disasters and move toward alternative energy such as hydrogen, he says.

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