Find Surf Coast 2021 - July Edition

Surf Coast The

JULY 2021

WHAT’S INSIDE: 04

LOCAL STORIES

19

COLUMNIST ARTICLES

38

TAX UPDATES

40

REAL ESTATE - RENTAL LISTINGS

50

SURF COAST COUNCIL NEWS

70

FIND BIRTH, DEATHS, & MARRIAGES

72

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER SURF COAST

FREAK 1 IN 100 YEAR STORM REEKS HAVOC ACROSS VICTORIA

MarkMogato

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We are looking for business owners who would like to be part of the Find Surf Coast Network group. Your membership will entitle you to the following:

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Exclusivity No other business owner in your area of expertise will be able to attend the monthly meetings or advertise in the online paper with your specific region.

You won't just have exclusivity amongst 20-30 people but with over 100,000 people in the Surf Coast Shire.

Be with other like minded business owners who will encourage you in your endeavours.

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EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 info@findnetwork.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134 ADVERTISING AND ACCOUNTS: info@findnetwork.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: info@findnetwork.com.au WEBSITE: www.findsurfcoast.com.au

OUR NEWSPAPER The Find Surf Coast was established in 2020 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 Surf Coast has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS SURF COAST The City of Moreland is a local government area in the Barwon South West region of Victoria, Australia, located in the south-western part of the state. Surf Coast had a population of 32, 251 as at the 2018 report and close to 11, 608 households. The City of Surf Coast was formed in 1994 from the amalgamation of the Shire of Winchelsea, Shire of Barrabool and part of the former City of South Barwon, which was, at that point, part of the City of Greater Geelong.

ACKNOWLEDGEMENT The Find Surf Coast acknowledge the Wurundjeri people, the original custodians of this land and their rich cultural heritage and spiritual connection to the land. We recognise and respect the unique diversity of the Indigenous community in Surf Coast, which is part of the world's oldest living culture.

DISCLAIMER Readers are advised that the Find Surf Coast 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.

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NEXT ISSUE Next Issue of the Find Surf Coast will be published on Friday August 6, 2021. Advertising and Editorial copy closes Monday August 2, 2021.

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About the Find Surf Coast

By Warren Strybosch

The Find Suf Coast is a community paper that aims to support all things Surf Coast.

We want to provide a place where all NotFor-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 Surf Coast for Free.

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

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

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

To help support the paper, we invite local 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.

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.

We value your support, We value your support, The Find Surf Coast Team.

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

Aussies Snapping Up Electric Vehicles

By Tim Dorbin

(Australian Associated Press)

Australians are embracing electric vehicles like never before with a big jump in the number registered across the country, latest figures have revealed.

The Australian Bureau of Statistics says the number of electric vehicles registered in Australia rose by more than 62 per cent to 23,128 in the 12 months to the end of January this year.

At the same time, the total vehicle fleet rose by just 1.7 per cent to 20.1 million.

The fleet rose in all states and territories with Queensland, South Australia and the ACT posting the biggest increases at 2.3 per cent. NSW continues to have the most vehicles on the road with 5,892,206 followed by Victoria on 5,157,172 and Queensland on 4,303.713.

Together the three eastern states account for 76 per cent of all vehicles. Despite the uptake in new electric cars, the average age of the Aussie fleet rose from 10.4 years to 10.6 years.

ABS Director of Transport Statistics Rob Walter said the increase in the number of vehicles on Australia’s road had pushed the vehicle fleet above 20 million for the first time.

He said registrations of electric vehicles had surged for the second year in a row.

It came despite some states moving towards an electric car tax or charge to replace any lost fuel excise, but also amid a rapid expansion of charging infrastructure across the country.

The overall rise of the vehicle fleet also defied the sharp downturn in new vehicles sales early last year when the first wave of the COVID-19 pandemic hit.

The new car market recovered strongly in the second half of 2020 while sales of used cars also rose as more people opted to update their vehicles after travel restrictions ruled out the prospect of overseas holidays.

Diesel registrations increased, rising to 26.4 per cent of all vehicles, however petrol registrations still account for a

majority of the fleet at 71.7 per cent.

Electric vehicles account for less than two per cent.

Among the car brands, Toyota has the most vehicles on the road with 2,978,505, ahead of Holden on 1,575,483 and Mazda on 1,310,979.

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Deforestation Caused By Extreme Weather Events NATURE & CONSERVATION

By Liz Sanzaro

Our recent disaster has many people blaming trees. A knee jerk reaction is to remove any that appear to threaten your property without expert arborist inspection. This may not be the best idea.

Just over 12 months ago we got our first taste of extraordinary winds. They went through sections of the outer east and the Dandenong ranges. We saw how devastating this could be with the old Golf Links estate adjacent to Dorset road taking the full force and mature canopy trees fell across gardens powerlines and in some cases houses.

It is not melodramatic to suggest that repeat events like this will result in deforestation, demonstrating to us the effects of Climate change. As the gales of wind hit, they find opportunities like gullies and ridge peaks where they can gather speed. Trees even those 100 years old stand no chance against 200 km per Hr winds from a generally unusual direction.

Image courtesy of Brisbane times

Unlike European trees Eucalypts do not have a long tap root, but are surface rooted in a thin layer of forest litter and soil where they can absorb the most rainfall. They do this around the drip line, which is just like an umbrella that drips around the perimeter. With trees this is the outside edge of their canopy. This is why the tree protection zone should never be impacted by buildings, vehicles or any other covering that prevents rain from entering the ground.

Once the first trees fall so will the adjacent ones like dominos. As trees grow from saplings, they are supported by nearby ones much like penguins gather in clusters to keep warm. Take out a few penguins amongst the cluster and others are vulnerable to natural forces.

Tree colonies are very similar. This latest enormous loss has left the remaining trees very vulnerable to collapse.

After last year’s loss, this latest event has taken out trees that were left vulnerable; they have now succumbed. Parts of the ranges are totally flattened. Many Councils have lent a hand and have their tree experts, assessing the trees left to see if they are dangerous.

Some residents will be thinking that any

tree within 50 meters of their house should be removed. These people are probably better off leaving the area and living elsewhere. It is perfectly understandable that they don’t wish to experience a repeat performance. However, those who are prepared to live among trees while also paying higher insurance fees will understand how important the trees are.

Trees are our lungs, they are carbon sinks absorbing CO2, they modify temperature both hot and cold, they provide habitat for birds of all kinds from king parrots to kookaburras and tiny wrens. In the under

storey are lyre birds, wombats, echidnas, kangaroos, lizards and a myriad of other creatures that we value highly. Their roots also stabilise the land helping prevent land slip or erosion.

Ensuring regeneration of the ranges is the next challenge, after removal of tonnes of debris that, if left to dry out, will become perfect fuel for any fire. Putting power underground is also a timely method of ensuring power is not so vastly affected in future, and this is being done in some locations where the entire power grid is so badly damaged that it must be totally rebuilt.

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Once this disaster is in hand, replanting will be necessary, including in Maroondah. We are lucky to have two native Nurseries, CRISP in Greenwood Avenue Ringwood and Candlebark Nursery on the corner of Hull road and Taylors road Mooroolbark, just uphill from the CFA. These two nurseries grow plants from local species through seed collection.

People who work at these nurseries are volunteers with great knowledge to assist you in making suitable choices for your property. There are trees that do not grow too tall, above the roof line, and a variety of other plants to choose from. If you have a nearby reserve you can join in planting, the best contact for being included is Derek who can point you to a reserve near you. His number can be found on Croydon Conservation FB page under announcements. Or if using a computer try www.croydonconnservation.org.au click on Volunteer at the top RHS then click on reserves.

New See-In-The-Dark Tech For Eyeglasses

By Aaron Bunch

(Australian Associated Press)

An Australian-made coating that could be applied to standard eyeglasses allows people to see clearly in the dark, revolutionising night vision.

The first-of-its-kind thin film could be used by defence personnel, police and paramedics, who are often required to work at night The technology could also make it safer to drive at night and walk home after dark, the Australian National University says. “We have made the invisible visible,” physicist Rocio Camacho Morales said.

“Our technology is able to transform infrared light, normally invisible to the human eye, and turn it into images people can clearly see, even at distance.”

The discovery could also reduce workplace injuries by reducing chronic neck injuries caused by bulky nightvision devices.

The film is made from nanometre-scale crystals, which are hundreds of times thinner than a human hair.

This can be directly applied to glasses and acts as a filter, Dr Camacho Morales

says. It is extremely lightweight, cheap and easy to mass-produce, potentially making it accessible to everyday users.

“It’s a really exciting development and one that we know will change the landscape for night vision forever.”

Currently, high-end infrared imaging technology requires cryogenic freezing to work and is costly to produce.

The film was developed by an international team of researchers from Transformative Meta-Optical Systems, ANU, Nottingham Trent University, the University of New South Wales and European partners.

But the ANU film works at room temperatures. “This is the first time anywhere in the world that infrared light has been successfully transformed into visible images in an ultra-thin screen,” physicist Dragomir Neshev said.

The research was published in Advanced Photonics on Wednesday.

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7 Ringwood's Salvation Army HERITAGE & HISTORY

By Russ Haines

The Salvation Army had owned a block of land in Pratt Street, Ringwood since 1913 but it proved too small. A more suitable, larger site was purchased around 1916 at no. 7 Warrandyte Road. The Salvation Army Corp built erected a neat timber hall (see photo) in 1920, where Eastland is today. The officers-in-charge, were Captain Gilbert, and Lieutenant Didley.

Later, during the same year, Mitcham opening at an outpost of Ringwood.

On 14th February, 1931, the first anniversary tea was held and the money raised went towards acquiring a horse and jinker.

The Corps activities in the area expanded to such an extent that it became necessary to buy land in Wantirna Road on which to build a Church and officer’s quarters. As well, in 1960, Ringwood City Council applied for and was granted an interim development order (IDO) ‘freeze’, for one year, an area taking in Civic Place and back to Melbourne Street north, and from Ringwood Street to

Warrandyte Road, to be developed as a major shopping centre.

The IDO involved 14 shops, 30 houses, the Salvation Army Hall, Scots Presbyterian Church and Hall (which was built in 1958 at a cost of £12,000), and, finally, Ringwood “Pines” Private Hospital. The time was right to move.

In August 1962, approval was finally obtained from headquarters for the church acquiring the property at 51 Wantirna Road. The new hall in Wantirna Road was finally opened on 27th

February, 1965. On 7th June, 1975 the new citadel was opened by Commissioner Warren. In May 1984, properties were purchased at 47 and 49 Wantirna Road.

In June 1985, the house at 47 Wantirna Road was opened as a youth hostel.

"Sally’s" op-shop commenced trading at 45 Wantirna Road in March 1993.

The Ringwood Corps has had a proud and successful band over all its years, touring China in 1996, and being involved in local Christmas festivities and other major celebrations. Activities include charity in all forms, job seeking and youth work.

Heatherdale Model Farms and Orchards HERITAGE & HISTORY

By Russ Haines

Louis Lawrence Smith for many years was the major settler in the south west. He owned several model farms, including 280 acres below Dandenong Creek and west of Heatherdale Road from 1856. The area became known as LL Vale, after him, and later was renamed Vermont. When offered for sale in 1877, the property had water storages, an orchard of 2000 fruit trees, paddocks sown with various English grasses, 6 acres of vineyards, and a six roomed cottage.

Smith was born in London in 1830, and after a distinguished medical studentship in Paris and London, he came to Victoria as a ship's surgeon. He was an unsuccessful digger for a short time before setting up a widely advertised medical practice in Bourke Street, and in 1859 he was elected as the 'people's candidate' to the Parliament as Member

for South Bourke. L.L. Smith represented other constituencies up to 1886 when he became the Member for Mornington.

Dr Smith was a colourful, political figure with a flair for self-promotion whobecame involved in many schemes, from irrigation loans to penny postcards, and had widespread interests in newspapers, horseracing, and model farms.

Joseph Maggs returned to Ringwood, bought land, and began planting an orchard in Heatherdale Road. This project was never completed by him as he died at Mitcham in October 1900, but it later became known as Pyke's orchard. A typical “combination” farm, in the Heatherdale Road area (see photo) supported fruit trees, berries and flowers, as well as poultry and livestock. It was a “model” of self-sufficiency.

RUSS HAINES OAM Russ Honoured In The Queen’s Birthday Awards With A Medal In The Order Of Australia HERITAGE & HISTORY

By Russ Haines

The Committee of the Ringwood and District Historical Society is delighted with today’s announcement that our highly esteemed President Russ Haines is the recipient of a Medal in the Order of Australia.

The citation accompanying the Award states that it is for service to community history.

This high honour is richly deserved. Russ, through his outstanding work for the many community organisations with which he has been associated over very long periods, has made an extraordinarily valuable and varied contribution to the Ringwood community and beyond..

One of the principal beneficiaries of his energy and selfless dedication to every cause he has espoused is, of course, the Ringwood and District Historical Society.

Russ has been our President since 2007, when he succeeded another outstanding leader in Richard Carter. During his 14 years (and counting) of service, Russ has enriched the Society in a multitude of ways: in the Society’s archival work; in engaging with schools and other interested groups; in introducing each of our monthly meetings with historical photographs and other memorabilia accompanied with commentary informed by his incredibly wide and eclectic knowledge of Ringwood and District history; in his close involvement with the preservation of our built heritage; and in his role as the Society’s principal representative in our relations with the Maroondah City Council, the Royal Victorian Historical Society, and many other groups and entities.

His enthusiasm is never quenched, and his energy never exhausted. For all of this we are incredibly fortunate and immensely grateful. We congratulate Russ, and share with all our members, and all the Society’s Facebook friends, our delight that he has been recognised today with the high honour of a Medal in the Order of Australia.

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Our new digital season is here! Experience Australia’s best artists and musicians recorded live in Elisabeth Murdoch Hall and the Primrose Potter Salon from your very own living room.

Immerse yourself in the dream-folk sound of Luluc, hear guitar and cello virtuosos Sharon and Slava Grigoryan play some of their favourite pieces, and be soothed by the ethereal vocal music of Gemma Turvey and The Consort of Melbourne.

Sample a slice of Paris as Firebird Trio play joyous French chamber music, settle in as Robert K. Champion shares stories of his homelands, and dive into the sounds of the Benaud Trio as they play Beethoven, Lang and a sporting classic.

Be transported to the restaurants of Eastern Europe with Vardos, mesmerised by new music luminaries Rubiks Collective, and inspired as Jackie Bornstein pays homage to some of the great women of jazz.

These performances are FREE to watch and streaming now.

WATCH NOW

Māori singer TEEKS is the stunning new voice of modern soul you need to hear to believe.

From the moment you experience the soulful croon of Te Karehana Gardiner-Toi – professionally known as TEEKS – you’ll be hooked on his vibrant, sensuous voice. The singer-songwriter has already become a phenomenon in his homeland going to #1 with his debut album, and now he’s here to wow audiences in Elisabeth Murdoch Hall. Tickets are on sale now!

Wednesday 25 August 7.30pm

BOOK NOW

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Caitlin Hulcup, Kristian Chong & Fiona Sargeant Acclaimed mezzo soprano Caitlin Hulcup, revered pianist Kristian Chong, together with celebrated violist, Fiona Sargeant scale a thoughtfully curated program of compositions traversing poetic lyricism, Impressionism and the Romantic era.

Mozart's Major & Minor

About Whales

In the penultimate Mostly Mozart concert of 2021, Finnish piano virtuoso Paavali Jumppanen explores the music of Mozart, performing two of his most well-known compositions – Piano Quartet No.2 in E-flat

Nir Tsfaty is joined by Invictus Quartet for the world premiere of his new collection of poetic, cinematic pop songs which move from intimate chamber moments to symphonic peaks.

and Piano Concerto No.24 in C minor.

The 12 October 11am & 2pm

Thu 12 Aug 7.30pm

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Sat 10 July 8pm BOOK NOW

BOOK NOW

BOOK NOW

Great Talks Podcast Available now! Listen to the second episode of our Great Talks Podcast with Graham Abbott, featuring pianist Ian Munro.

Great Talks is an audio companion to each concert in the 2021 Great Performers series. Part pre-concert talk, part deep-dive into the music, artists and program curated for each concert, these podcasts are designed to enhance the concert experience.

Listen Now

Already more than 200 musicians have been directly supported through donations to our Local Artist Appeal.

Local Artist Appeal

In an ever-changing environment, donations restore confidence, breathe life into a decimated arts industry, help us guarantee artist fees and so much more.

LISTEN HERE

Will you let your support be heard? Make a tax-deductible donation by June 30 to our Local Artist Appeal.

Sophie Koh, singer-songwriter DONATE NOW

Click here for our latest concert announcements Orava Quartet Orava Quartet has captured the world’s attention. Revered for its thrilling, heartfelt performances and rare skill in making the unfamiliar suddenly accessible, the Quartet is known as the ‘classical fab four’ (The Age) and ‘the most exciting young quartet on the block’ (Limelight magazine). The Quartet’s 2021 season is on sale now.

Fri 9 July 6.30pm & Sat 20 Nov 6.30pm

Just Annouced

Get free access to ACO’s Studio Cast for 7 days

From our Friends

ACO has premiered its third StudioCast film, ‘Love & Transfiguration’. Below you’ll find instructions to redeem your free 7-day access pass. Find a comfy spot, a large screen and turn your speakers up loud.

1. Click the button below 2. Click BUY button 3. Login or Sign Up to your account 4. Click 7-Day access 5. Click Add voucher and enter victoria SEE MORE

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Your Say On How We Care For Beloved Pets Pets enrich our lives in many wonderful ways and we have a duty to manage their welfare and place in our community.

Council is reviewing its Domestic Animal Management Plan and seeking input about priorities for managing dogs and cats in our municipality. The Plan provides the framework for animal management services and an overview for ongoing compliance and education.

The Plan seeks to: • • •

promote responsible pet ownership protect the environment and local wildlife from the negative impacts of dogs and cats address animal management welfare.

Maroondah Mayor, Councillor Kylie Spears, encourages the community to have their say and help pets in our community.

“For many, our pets are our family and contribute greatly to personal wellbeing.

But it’s important they are well-managed to minimise the potential for nuisance and harm to others, while also protecting our wildlife,” Cr Spears said.

“Your feedback will help us to better understand our residents’ views about animal management in Maroondah.

Source: maroondah.vic.gov.au

Your responses will help inform the Plan.”

Developed by our our Animal Management Team, the draft Plan will also draw from research, benchmarking and consultation across the state.

The Plan is currently in consultation phase and we encourage the community to provide feedback. You can either send your views directly, or a survey has been made available both online and in hard copy. The survey takes about 15 minutes to complete.

Keep an eye out for pop-ups at shopping centres and reserves, too. We want to

hear from all community members, not just pet owners.

To access the survey online, visit our Your Say website For more information on the survey, or additional information on the consultation, contact Council on 1300 88 22 33 or visit our Your Say website.

Hard copies of the survey are available at Council Survey Centres. You can provide your feedback until Sunday 11 July.

Plan Outlines Standards Of Maintenance Council has reaffirmed its commitment to providing safe local road and pathway networks for the community, after endorsing a new Road Management Plan (RMP) 2021.

On the Monday 28 June Council meeting, Council endorsed the new Plan which provides a framework for road maintenance standards in Maroondah, which consider community safety, amenity and the local environment.

Council oversees an extensive network of infrastructure assets within the municipality, which includes a Councilowned local road network of 486km, a carpark network of 283,919 sqm and a pathway network of 765km.

Maroondah Mayor, Councillor Kylie Spears, said the document clearly outlines the standards of maintenance.

“Our

community

members

and

Source: maroondah.vic.gov.au

commuters need safe, efficient roads and pathways. The Plan assists Council with inspection, maintenance and repair by providing an outline that considers economic, social and environmental issues,” Cr Spears said.

“Thanks to those community members who provided feedback. Your input ensures our Plan is responding to the needs of our community.”

View the Road Management Plan.

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Source: maroondah.vic.gov.au

Lace Up Your Runners For Family-Friendly Event Hit your fitness goals in time for this spring and sign up for Run Maroondah 2021.

Now is the time to prepare for this family-favourite event. Run Maroondah is all about challenging community members of all ages and abilities within a supportive environment, with distances including a 10km endurance run, a 5km run/walk and 1.2km kids run.

This year, the event will be held on Sunday 19 September and is the perfect opportunity to become more involved with your community, while committing to your personal health.

The Run Maroondah course begins at HE Parker Reserve in Heathmont and continues along the Dandenong Creek trail. Individuals and families are encouraged to take part.

Maroondah Mayor, Councillor Kylie Spears, said Run Maroondah could be the kick-start you need.

“Many of us are less active than we would like to be, particularly during the cooler winter months,” Cr Spears said.

“You don’t have to be a regular runner to participate. But, through signing up, this will help you to get moving. It doesn’t matter if you’re chasing a personal best time, or just there to spend quality time with the family, it’s about having fun and giving it a go.

“Run Maroondah is about promoting the health of our community. The encouragement you will receive from the community is second to none.”

To get your training on track, Maroondah

is blessed with many running trails and even clubs who are ready to assist.

Running with others is a great way to stay motivated, particularly during winter when it can be cold and wet.

Register online or in person at a customer service centre.

For more information, call Council’s Community Sport & Recreation team on 1300 88 22 33.

Exercising at night Trying to exercise outside of the daylightsaving months can be difficult. So, Council has organised for lighting hours to be extended at many of our parks, tracks and reserves. See the locations and times on Walking in Maroondah.

Support Local, Buy Local, Discover Moreland Do you have photos from a local event or a great day story you would like to share?

SEND US YOUR NEWS!

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People & Places Tel: 1300 88 38 30

Chirnside OZ Tenpin Bowling Photos By:

Linda Willmott

Email: info@findfoundation.com.au

People & Places Tel: 1300 88 38 30

Email: info@findfoundation.com.au

Day out with grandkids for a bite to eat at the Town Centre and they chose to have a croissant at BRIOCHE

BY PHILIP. They even got the wow factor of the mirrors up above.

Supporting local business.

- Linda Willmott

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Low Exercise, Poor Sleep Raise Health Blow (Australian Associated Press)

The combination of poor sleep and lack of exercise is a double whammy that’s putting people at great risk of developing life-threatening diseases, according to a University of Sydney study.

The large long-term study that’s published in the British Journal of Sports Medicine on Wednesday, found “a likely synergy between physical activity and sleep”.

Both physical inactivity and poor sleep have independently been associated with a heightened risk of death and cardiovascular disease and cancer, but it hasn’t been clear if they might have a combined effect on health.

“We found those who had both the poorest sleep quality and who exercised the least were most at risk of death from heart disease, stroke, and cancer,” lead author and PhD candidate Bo-Huei Huang said.

Senior author and research program director, Professor Emmanuel Stamatakis said the research was particularly pertinent because “sadly, our society suffers from both a physical inactivity and a poor sleep crisis”.

“Considering that physical activity is perhaps more modifiable than sleep, our study offers people more health incentives to be physically active and provides health professionals with more reasons to prescribe physical activity to patients with sleep problems,” he said.

The researchers drew on information provided by 380,055 middle-aged men and women taking part in the UK Biobank study the long the long-term health of more than half a million 37 to 73-yearolds, who were recruited between 2006 and 2010.

Participants’ health was tracked for an average of 11 years up to May 2020 or death, to assess their risk of dying from any cause as well as from all types of cardiovascular disease, coronary heart disease, stroke, cancer and lung cancer.

Those who were younger, female, had lower body mass index, were better off financially, ate more fruit and vegetables, spent less of their day seated, had no mental health issues, never smoked, didn’t work shifts, drank less alcohol and were more physically active tended to have healthier sleep scores.

The lower the sleep score, the higher were the risks of death from any cause, from all types of cardiovascular disease, and from ischaemic stroke.

Compared with those with the high physical activity and healthy sleep score combination, those at the other end of the scale, with the no moderate to vigorous physical activity and poor sleep combination, had the highest risks of death from any cause (57 per cent higher).

They also had the highest risk of death from any type of cardiovascular disease (67 per cent higher), from any type of cancer (45 per cent higher), and from lung cancer (91 per cent higher). Lower levels of physical activity amplified the

unfavourable associations between poor sleep and all health outcomes, except for stroke. The researchers concluded that physical activity levels at or above the WHO guideline threshold “eliminated most of the deleterious associations of poor sleep with mortality”.

The findings lend weight to efforts to target both physical activity and sleep quality in a bid to improve health.

“Australia’s energy and resources sector has remained safe and reliable suppliers to domestic and global markets throughout the pandemic, helping to underpin economic growth and overcome the challenging trade conditions of the past year,” Resources Minister Keith Pitt said.

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15

Your Future, Your Super: Employees Can Use Their Current Super Fund When Moving Jobs

By Warren Strybosch

Australia’s superannuation system is set to change again from 1 July 2021, with a set of reforms that aim to increase retirement savings and target unnecessary fees.

The ‘Your Future, Your Super’ reforms, now law, are to come into play at 1st November this year, and will help to reduce the number of super funds being set up by employers for their new employees.

In the past, when people would move to new employment, the new employer was able to set up a new super fund even if the employer supplied them with the Standard Super Choice form. I know, it should not happen, but this had happened to me even after I supplied

the Choice form twice to two different people within the same company albeit about 10 years ago.

I basically lost $800 over a 12-month period from fees and insurance premiums that were being deducted without my consent or knowledge. Only when I received the annual statement did I realise I had lost my money.

The setup of the new super fund can result in additional fees and a loss of super through default insurance fees being deducted each month.

With the new changes about to take place, employers will need to get their heads around these new laws.

Key points of new legislation: •

•

•

To prevent unnecessary multiple super accounts, new accounts won’t be automatically created when people change jobs This impacts how businesses onboard new employees, depending on whether they make a choice of super fund There are six million multiple super accounts held by 4.4 million people – this equates to $450 million in unnecessary fees as a result of these multiple accounts.

Note: At the time of writing, these reforms are yet to be passed into law.

Casuals will soon be able to get Super even if they earn under $450 per Month

By Warren Strybosch

It doesn’t matter whether you have a full time, part-time or casual job, if you’re over 18 and you earn more than $450* (before tax) in a calendar month, your employer should pay super contributions for you.

If you're paid an award wage and earn less than $450* per month, your employer may have to pay super for you, but some organisations don’t have to. For more information, go to the Australian Tax Office’s (ATO’s) Employee superannuation guarantee (SG) calculator tool.

If you are under 18 and working less than 30 hours a week and earning less than $450*, your employer does not have to make superannuation contributions for you. *Note: The Government has announced it plans to remove the $450 minimum income threshold for super contributions, but this is not yet law.

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Mortgage Brokers & Financial Institutions Top The Complaints List In 2021

By Warren Strybosch

Home loan issues and credit cards related to lending were the most complained about product issues for the financial year ending 2021, according to AFCA. A lot of this issues stemmed from responsible lending issues; in otherwards, there were irresponsible decisions made by brokers and lending institutions and consumers suffered.

In 2021, according to the external dispute resolution scheme, there were 70,150 complaints, with over 40 per percent made about credit products. This is a substantial increase compared to previous years. This may be due in part

to the fact that consumers are becoming more aware of their rights under ‘best duty’ and/or responsible lending. Also, with AFCA doing their road shows in 2020 and making people aware of their services, this may have been a contributing factor to increased complaints in these areas.

Issues with mortgages were high up on the complaint list, comprising 9 per cent of all credit product complaints, making them the second-most commonly complained about credit products, after credit cards.

According to AFCA, after default listing issues, the four most commonly received credit complaints related to:

• • • •

Financial firms failing to respond to requests for assistance (2,678 complaints) Service quality (2,554 complaints) Incorrect fees/costs being charged (1,894 complaints) Responsible lending (1,698 complaints)

It is important to deal with reputable brokers when seeking advice about home loans. Reece, from SHL Finance (https://shlfinance.com.au/), is one such broker and regularly writes a column for the Find Maroondah. Give Reece a call when seeking finance advice.

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS • BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

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

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Resources Exports Soar Towards New Record

By Tim Dorbin

(Australian Associated Press)

Australia’s resources and energy exports are expected to hit $334 billion in the next financial year, a new study shows.

The federal industry department’s Resources and Energy Quarterly report released on Monday said commodity prices had gained momentum in the first half of 2021.

Iron ore, LNG, thermal coal and base metals have reached multi-year highs.

In 2020/21, Australia’s resources and energy exports are estimated to reach $310 billion, up more than six per cent on the record set in 2019/20. This figure is forecast to rise to $334 billion in 2021/22.

Iron ore export earnings are estimated to rise by 45 per cent to $149 billion in 2020/21, accounting for almost half of Australia’s resources and energy exports.

Australian metallurgical coal miners are benefiting from a surge in world steel production. Informal import restrictions

by China have seen thermal coal miners pivot to other customers hit by the very cold northern hemisphere winter.

Thermal coal exports fell from 213 million tonnes in 2019/20 to a forecast 194 million tonnes in 2020/21, but are expected to recover to 212 million tonnes by 2022/23 as Asian economies recover.

Thermal coal export values are forecast

to be $17 billion in 2021/22, down from $20 billion in 2019/20. LNG export earnings are forecast to increase from an estimated $33 billion in 2020/21 to $49 billion in 2021/22. However, an easing of global economic growth and softer prices are expected to result in total resources export earningsdropping to $304 billion in 2022/23.

“Australia’s energy and resources sector has remained safe and reliable suppliers to domestic and global markets throughout the pandemic, helping to underpin economic growth and overcome the challenging trade conditions of the past year,” Resources Minister Keith Pitt said.

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SMSF and 6 Member Funds – An Australian Taxation Office's Interim Solution To Add The 5th And 6th Member

By Warren Strybosch

SMSF can now have up to six (6) members after the Treasury Laws Amendment (Self Managed Superannuation Funds) Bill 2020 received royal assent on 22 June 2021.

albeit a very unlikely occurrence given about 93% of current SMSF only have 1 or 2 members, the ATO has developed an interim solution, to allow additional members to be registered.

This measure was first announced by the Government back in the 2018 Budget, and has only just received Royal Assent a few weeks ago. As such, the ATO does not currently have the Australian Business Register (ABR) system updates to allow SMSFs to register more than four members or to add a fifth or sixth member.

SMSFs will need to follow existing processes to register a new SMSF through the ABR, to include members one to four.

Trustees will then be required to lodge with the ATO, a paper “Change of Details for superannuation entities form” (NAT3036) to provide the details of member(s) five and/or six. Once processed, the ATO will update their systems to allow members to request rollovers into their SMSF. Once the ABR functionality caters for the law

Given the possible need for some SMSF to want to add more than four members,

change, the ATO will proceed to update an SMSFs details, with no further action required from the trustee(s).

It is important to acknowledge that the need for manual intervention by the ATO does raise the risk that impacted SMSFs may face delays in registering their fund or additional members. For this reason, the ATO is encouraging SMSFs to wait till the ABR is updated. Where possible, this may be a sensible option.

For more information from the ATO, click here to visit their website.

Special Tax Return Offer

1300 88 38 30 $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

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Work-Related Expenses On Ato Radar Amid Spike In People Working From Home ACCOUNTANT

By Warren Strybosch

It is tax time again and accounting firms are busy sending out tax checklists or making contact with their clients to start the process of completing last year’s financial returns.

This year, the Australian Tax Office (ATO) has announced that they will be taking particular note of work-related expenses, especially those associated with working from home. Last financial year over 8.5 million people claimed nearly $19.4 billion in work-related expenses and it is expected this to be significantly larger for 2021.

Australian Taxation Office assistant commissioner Tim Loh says the COVID-19 pandemic has changed people’s work habits, so he expects their work-related expenses will reflect this.

“We know many people started working from home during COVID-19, so a jump in these claims is expected,” Loh said.

“But, if you are working at home, we would not expect to see claims for travelling between worksites, laundering uniforms or business trips.”

more tax from his income.

The ATO rang to discuss why this particular client had more tax withheld compared to his counterparts at the same university. After a brief explanation and having to send in documents to verify the tax withheld was legitimate, the ATO processed the return. You see, everyone else within the organisation had elected the tax-free threshold and so this particular client’s income and tax withheld figures did not match everyone else and set off a flag to the ATO to investigate.

Many accountants are now asking for proof e.g., invoices or receipts, when it comes to certain expenses. Other accountants are asking clients to sign an expense declaration if receipts cannot be produced. At the end of the day, you are responsible for any claims you make to try and reduce the amount of tax payable.

“We will also look closely at anyone with significant working from home expenses, that maintains or increases their claims for things like car, travel or clothing expenses. Don’t consider just cutting and pasting what you claimed last year into this year’s return,” Loh said.

Work-related expenses

Many people do not realise but the ATO has sophisticated software that can compare everyone’s expenses against other people working in the same industry. If one person has an expense that falls outside of the ATO’s deemed parameters as to what is considered reasonable to claim, then expect a ‘please explain’ from the ATO.

To claim a deduction for a work-related expense:

As an accountant, I remember receiving one of these phones calls a few years back because one of our clients was lecturing and it was his second income.

As such, the client did not nominate the tax-free threshold and elected to pay

If the expense was for both work and private purposes, you only claim a deduction for the work-related part. Work expenses your employer reimburses you for are not deductible.

• • •

you must have spent the money yourself and weren't reimbursed the expenses must directly relate to earning your income you must have a record to prove it (usually a receipt).

If the ATO thinks your employer has reimbursed you for your expenses, they might decide to ask them.

You may be able to claim a deduction for expenses you incur that relate to your work, including: • • • • • •

Vehicle and travel expenses Clothing, laundry and dry-cleaning expenses Working from home expenses Self-education expenses Tools, equipment and other assets Other work-related deductions

Employees (including casuals) can claim work-related expenses in the income year you incur them. This means if you start employment in June you can claim deductions for work-related expenses you incur in June. Even if you don’t receive your employment income until the next income year.

If you employ someone to assist you in your employment, generally you can't claim a deduction for employing that person.

(Source: ato.gov.au) 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 You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au

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How A System Health Check Can Help The Quality Of Your Books BOOKKEEPER

By Neha Nayyar

Are you confident that your accounting systems are running optimally and efficiently for your business?

By conducting a regular accounting file health check you can rest assured your accounting file remains accurate and clean. This improves the overall quality of your books enabling you to make more informed business decisions.

How does a system health check work and why it’s important: Checks for errors and inconsistencies - In certain instances business owners may find themselves with a high turnover of bookkeepers or find they’re trying to cut costs by taking on some of the bookkeeping responsibilities themselves, but let’s face it… not everybody is a bookkeeping expert! These are certain scenarios that can lead to errors in your accounting systems. During a health check your accountant may check for duplication, recording of valid ABN’s, bank reconciliation, chart of accounts, etc. It’s important to have an accountant periodically review your system to check for any inconsistencies which may prove to be a nightmare come tax time!

Review & Recommendations - Once your accountant has completed a thorough review of your accounting system, they will then be able to provide you with information on the current status of your file and offer suggestions.

Discovering any pain points early on is imperative to keeping your accounting file reliable and usable and sets you on the right path to avoiding errors in the future.

Plan for the future - It’s important to ensure your file is showing up to date and accurate data to enable you to make informed business decisions.

Perhaps you have set a quarterly budget of $500 for office supplies but due to incorrect allocation it looks like you have more room for spending when in reality you’ve gone over budget. Once you’re confident your accounting file is producing valuable information and running as it should, you’ll be able to use this information as a guide for your monthly/quarterly/annual budgeting and have a clear picture of your outgoings vs. incomings.

Are you confident that your Xero accounting file is setup correctly and running smoothly and optimally for your business? Why not conduct a system health check! 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 Xero Health Checks. We can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper Sum and Subtance Bookkeeping and Training Services 0401 409 573

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21

Business Interruption Insurance and Covid-19 - Update

SOLICITOR

By David Heasley

As I wrote in March, many Business Owners have had their business interruption insurance claims rejected or have been told by their brokers and insurers that their policies do not cover pandemic related losses, when in fact many policies possibly should.

Many businesses hold these policies, which typically included coverage for loss of revenue or profits as a result of outbreaks of disease, or orders by authorities that have restricted access to their business premises, such as occurred during 2020.

At that time many Businesses Owners had tried to claim on these policies on the basis that this cover extended to loss of revenue or profits suffered as a result of COVID-19. However, a number of these business interruption policies state that they exclude insurance coverage where the disease in question was defined as a “quarantinable disease” under the Quarantine Act 1908 (Cth). The issue is that this piece of legislation was repealed some years ago and was replaced by the Biosecurity Act 2015 (Cth), meaning the Quarantine Act 1908 no longer applies, however many insurers and brokers have previously advised businesses that they

cannot claim on their business interruption insurance due to these exclusion clauses.

other contractual areas that the industry believes could preclude it from paying out pandemic claims.

In a judgment delivered in November 2020 the Court of Appeal in New South Wales, found that COVID-19 is not a disease declared to be a “quarantinable disease” under the Quarantine Act 1908, and therefore the exclusion clauses, which insurance companies relied on to deny coverage to businesses, are ineffective.

Notwithstanding the understandable reticence of the insurance companies, businesses may be one step closer to possible payouts. There are now several ‘class actions’ that have started being run by large legal firms, and it is possible for businesses to sign up to these. Normally (not always) class actions operate on no win no fee, and the payouts may be slightly smaller, but it may be a good avenue for Business Owners to explore.

It’s impossible to predict exactly what will happen, but a lot of class actions are settled before judgement.

In an effort to stave off a massive amount of claims, the Insurance Council of Australia (‘ICA’) appealed the NSW Court of Appeal decision on the Quarantine Act ruling to the High Court. In a judgement just handed down, the High Court found against the ICA and upheld the judgement of the New South Wales Court of Appeal.

The fact that the 1908 Quarantine act exclusion has been disallowed, still does not necessarily provide a clear trigger for a claim. Whilst it does remove a reason for exclusion, other conditions required for a payout may not still be met.

For example, most business interruption policies are not aimed at compensating the client for losses sustained due to states of emergency being imposed.

The ICA has stated that further test cases are in the pipeline, and will look at these

As always I’m happy to assist with this or any other matter. (This is not legal advice).

David Heasley Principal Solicitor HEASLEY LAWYERS www.heasleylawyers.com.au 0408 611 834

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Are Your The Rescuer Or Are You The Hero?

PARENTING

By Lesley-Anne Banton

Have you ever wondered why you give to others with all your heart and yet you still experience hurt, upset and pain?

You may be a rescuer not a hero!

Does it matter if you are a rescuer not a hero? Do you know the difference?

One of these disempowers you and those around you and the other empowers you and in-turn empowers others around you.

When you were you younger you made a very unconscious decision about who you were and who you needed to be to navigate through your childhood, to fit in to the family structure or to feel safe. You then, without knowing, carry this through your life and into to your adult years. Creating patterns, friendships and relationships based on who you decided to be as a child. This can cause painful experiences. When you are constantly rescuing others, you unconsciously teach others how to treat you, you may or may not respect your own boundaries which in-turn teaches others about your how you value your boundaries, and they treat you accordingly.

One of those decisions might have been to rescue people, now do not get me wrong there can be some joy and fulfilment in helping rescue those around you and these can be great attributes and values to have such as compassion, empathy, and kindness. Yet it is how we rescue those around and why? What is the intention behind the action? Is it for your own self-satisfaction? Is it because if you do not you fear you might get judged or rejected? Is it because you love the drama of a good crisis? Is it because you need to feel needed by others? Is it because they genuinely need you to rescue them as they truly do not have the resources in that moment? Or could it be something else?

When you rescue others, you generally drop everything, violate your boundaries, say no to yourself so you can rescue and please others (despite your own needs, feelings, and boundaries), devalue yourself and your time, you teach others how to value you

and treat you, by saying yes to others you are saying no to you.

Also, by rescuing someone they might subconsciously perceive you are telling them that you do not believe that they can do it for themselves, they cannot do it as good as you, you can also be enabling them to stay stuck in being a victim and continuously needing and searching for other to help rescue them.

Sometimes by rescuing others you may be disempowering them and or enabling them to stay in a victim state.

And on some level by being the one to rescue others you also need to be rescued.

Now if one of these people you are rescuing on a continuous basis is your child, what are you teaching them?

Showing them? What beliefs could they make about themselves?

As stated earlier there are some great attributes and values you can take on as a rescuer which you could use, if you chose to, to become your own hero and show others how to be their own hero.

Being compassionate, patient and kind with and to yourself whilst you are learning the skills or beliefs you are choosing to now take on to empower yourself and become your own hero.

Being the Hero, you get to lead your own path, choose to take full responsibility for your life and decisions and be able to handle to outcomes and or consequences regardless of what they are. As a Hero you get to choose to respond to an event rather than react, you get to seek out the results you are wanting and handle and feedback or

setbacks as an opportunity to learn and grow. Has a hero you get build reliance, grit, and determination. As a hero you get to show others what healthy boundaries are and how you respect them. As a Hero you get to show others how to have a voice and use it for the greater good. As a Hero you get to lead the way for others. As a Hero you show others how to rescue themselves and empower themselves. As a Hero you get to stand alongside someone through their crisis cheering them on and validating them every step of the way as they navigate through it.

As a parent, anyone who works with children or is a guardian of a child be mindful of who you are choosing to be when being around them or interacting with them. Do you choose to empower them or disempower them? Do you choose to teach and show them the skills they need to learn, or do you choose to do it for them? Are you giving them vital life skills and attributes that are needed to navigate through life or are you denying them? How are you teaching them to treat you? Others? What are you teaching them to believe about themselves?

The choice is always yours, who do you chose to be? Who would you like your child to be?

Lesley-Anne Banton Life Coach THE PARENT WHISPERER 0432 848 418 www.theparentwhisperer.com.au

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Sole Traders Management

Liability GENERAL INSURANCE

By Craig Anderson

Often you hear sayings like “You don’t know what you don’t know” and whilst this is true, the part that is not spelled out, is that you do not know the extent of the consequences of acting without all of the facts at hand. If you are a Sole Trader, and consequently you have no incorporated entity through which you operate your business, then it is fair to say you are not a director. Taking out a policy that protects only the directors and officers of an incorporated body from liability for employment practices breaches, when this does not describe you, may lead to a failed claim and significant personal losses.

Remember that once you enter into a legal contract with the insurer that it is your duty to ensure all of the information provided to them is accurate, so if you are a Sole Trader with an ABN, the insured entity is you, not your “Trading As” name.

Your broker will ensure this is all correct before submission, however if you are obtaining insurance directly on-line, the computer algorithm creating your quote will not know the difference. I have seen a fair few policies made out in the wrong name, and I can assure you the insurer is not obliged to pay when the entity name is missing.

Now you know there may be a problem, the next step is looking at what policy will provide a trigger for a claim if you are a sole trader. Luckily, such a product exists, and it protects the sole trader from personal financial losses rather than offering reimbursement clauses to a company entity. Claims may range from unfair dismissal, harassment, discrimination and other wrongful employment related acts, to Employee Theft, Tax Audits and Investigations, Workplace Health and Safety Incidents, Pollution Costs, and Advancement of Costs and Emergency Defence Costs.

This cover is suited to Sole Traders who fall (loosely) into the following categories: Bookkeepers, Individual Consultants, Tradespeople, IT Consultants, Freelance Writers, Landscapers and Gardeners, Direct Retailers, and Allied Health Consultants.

If your trade is not listed above, feel free to contact us and we can find out from the Insurer if your individual occupation can be accommodated.

Even before you take out cover, to ensure you avoid employment related claims, it is necessary to create the correct policies

and procedures and implement them properly. Hiring an HR consultant to help write and roll-out the policies may help put you in a better position to eliminate the circumstances that may generate a claim in the first place. However if a claim occurs, it is then up to the insurer to take it from there.

When you “Don’t know what you don’t know” then ask the people who do, like your Insurance Broker.

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

Craig Anderson General Insurance Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au

0418 300 096

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Passivhaus – Eco-friendly Homes ARCHITECT

By Kathy Ismail

What is Passivhaus?

The technical definition of a Passivhaus (also know as Passive House) is any building that can achieve thermal comfort by heating or cooling only the fresh air required to maintain a healthy indoor air quality. This is modelled in detail before construction begins using the PHPP (Passivhaus Planning Package) software that has been developed since the late 1980s. Certified Passivhaus is a voluntary standard.

Excellent quality control is required during construction, overcoming the generally inadequate inspection and as-built certification of thermal performance that currently prevails in the Australian building industry. This is the most expensive part of the process, but the heat and energy savings achieved far outweigh the structural costs.

The standard covers a wide range of building types, including new builds and renovations, high-rise apartments, schools, offices, hotels, swimming pools and a police station.

The 5 Passivhaus principles Passivhaus is founded on five principles, with performance levels that set upper limits on energy use and air leakage.

Heating demand is limited to 15kWh/ m2/year. Humidity must stay below 12g/ kg of air (around 65% relative humidity at 25 degrees Celsius) for at least 80 % of the year, and temperatures of more than 25 degrees are capped to 10% of the year, if no mechanical cooling is used.

Mechanical cooling must still operate within the same allowable energy limits as heating.

The 5 Passivhaus principles are: 1. Appropriate insulation 2. No uncontrolled air leakage

3. Mechanical heat recovery ventilation (MHRV) 4. Windows that seal and insulate 5. No thermal bridges Advice from a Passivhaus architect Talina Edwards is an architect, certified Passivhaus designer, director of her small architectural practice, and a board director of the Australian Passive House Association. She’s a passionate advocate for Passivhaus and wants to share this with you: ‘Our practice is focusing almost exclusively on Passivhaus projects now, after completing one of Australia's first Certified Passivhaus homes in 2018.

‘We've found that all our clients are coming to us because they've heard all about the benefits of building this way – healthy indoor environment, consistent comfortable temperatures, very low heating/cooling requirements (and therefore less expensive!) and the resilience this rigorous standard assures them for a future of more weather extremes.

‘We've not had anyone say, ‘Why would I want that?’ Of course, everyone wants this! It is what we should expect from all our buildings, not just our homes. We deserve to live and work in buildings that are not only climate-responsive but also responsible.

‘The only times clients choose not to build a fully Certified Passivhaus is due to the cost. However, if you budget for a custom home, you can prioritise your brief to ensure that you don't compromise on getting the building envelope right (also often known as a 'fabric-first' approach).

All the other stuff (materials, joinery, fixtures, fittings, etc.) can be lower-spec and upgraded later much more easily and cost effectively than trying to retro-

fit an air-tight barrier, more insulation, a ventilation system or triple-glazed windows later.

‘Proposed revisions to the National Construction Code over the next few years are moving closer towards more stringent requirements for insulation and air-tightness so it makes sense to get ahead of the curve. A home is one of the largest investments most people will ever make, and as a code-compliant building is technically the worst standard you can legally build today, wouldn't you prefer to be future-proofing your home by ensuring it's fit for purpose in fifty years’ time and beyond? We shouldn't be treating our homes like fast food and fast fashion; they should be good quality and built to last.

‘More and more trades are up-skilling as they want to build quality and take pride in their work, and more materials and components are becoming available in the Australian market, so the cost premium will be reduced in the future as the demand sure is growing.’

So, if you are building a new house, and spiralling energy costs are of concern to you, this is where Certified Passivhaus really shines. Speak to an architect who can help you from the ground up with the design of your new, energy-saving home.

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

Kathy Ismail ARCHITECT KiR Architecture www.kirarchitecture.com 0422 026 962

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That Extraordinary Stuff Called Human Milk

LACTATION CONSULTANT

By Dr. Joanna Strybosh

After the birth of her newborn baby, a mother’s body will begin the process of making milk. This is a process beyond her control, and occurs irrespective of whether she chooses to breastfeed her baby or not. Her milk is the perfect food source for her baby, supplying everything her baby needs for optimal nutrition and growth and protection.

Human milk has two main functions: it nourishes and it protects. Hundreds of human milk components interact synergistically to fulfil these dual functions of breastmilk.

Nutritional components of human milk include water, lipids (fats), proteins, carbohydrates, vitamins, minerals and trace elements, and micro minerals.

Defence components include immune protective components (antibacterial, antiviral, anti microbial), anti-inflammatory vitamins, enzymes, hormones, and live immune cells.

Human milk composition is not static or uniform. Breastmilk is, in fact, a living dynamic fluid. It is always changing in order to best meet the changing needs of the infant. What we see is a complex interplay between the needs of the infant and the ability of the mother‘s body

to rapidly adapt and to provide milk components to meet those needs.

Human milk changes in order to provide optimal nutrition and immune protection in real time.

•

Some of the ways human milk changes to meet baby’s changing needs:

•

•

• •

•

• • •

Colostrum is available from before birth to day 5 and then evolves through transitional milk (day 6-13) to become mature milk from day 14 onwards.

Breastmilk composition changes significantly in the first few days of lactation.

Protein levels in human milk change over time, with protein concentration being higher in preterm milk and colostrum and levelling off in mature milk. Over 761 distinct proteins have been identified in human milk.

Milk composition changes during each feeding as the breast drains and the fat content rises. Many classes of lipids (fats) and thousands of subclasses have been identified.

Milk composition changes during each day and over the course of the entire lactation.

Milk of preterm mothers differs from that of mothers who deliver at term.

More than 200 components have been identified in human milk with some still having unknown roles.

•

• •

•

Hundreds of thousands of immune cells are ingested in breastmilk by the infant every day.

Immune cells in human milk increase in response to an infection in the baby.

Human milk contains stem cells that can migrate to different organs to provide active immunity and boost infant development in early life.

Human milk contains growth factors, hormones and live immune cells.

Human milk carries a rich variety of bioactive substances which help the brain to grow and the immune system to develop.

Human milk is 87.5% water. All nutritional components are dissolved or dispersed in it. Human milk provides 100% of a baby’s water needs, even in hot arid or humid climates.

Human milk is and should always be the first choice for human babies.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.Sc/Grad Dip Paeds

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE 9876 3011 www.childrensostheopathiccentre.com

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As the owner of a small business, do you understand your obligations in regards to the health and safety of your team?

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

If you are unsure, you are not alone.

Anecdotally at least, it appears that the great majority of small business owners, particularly those new to running their own business, have little understanding of the Occupational Health and Safety Act 2004, and the duties and obligations that they are legally bound to comply with.

To quote the Act, “An employer must, so far as is reasonably practicable, provide and maintain for employees of the employer a working environment that is safe and without risks to health.” Fines and penalties are significant if there are any breaches found, 1800 penalty units ($297,396.00) for a natural person, and 9000 penalty units ($1,486,980.00) for a body corporate.

In addition, the Act states, “An employer must, so far as is reasonably practicable—

(a) monitor the health of employees of the employer; and (b) monitor conditions at any workplace under the employer's management and control; and (c) provide information to employees of the employer (in such other languages as appropriate) concerning health and safety at the workplace, including the names of persons to whom an employee may make an enquiry or complaint about health and safety.”

The new industrial manslaughter laws have been added to the Act, and will apply to organisations (including bodies corporate, partnerships, unincorporated bodies and unincorporated associations), self-employed persons as well as officers. The new laws will attract the highest penalty in the OHS Act, introducing maximum fines of approx. $16.5m for employers and jail terms of up to 20 years and fines of up to $1.65m for officers whose actions or omissions:

• • •

cause the death of a worker or member of the public; involve a breach of an OHS duty; were negligent.

So what does this mean for you and your business? What steps do you need to take to ensure that you are in step with your obligations under the Act? How do you keep you and your employees healthy and safe? This is where I, Mark Felton at Beaumont Advisory, can provide guidance and support, and provide peace of mind. I can be contacted on 0411 951 372 or mfelton@ beaumontlawyers.com.au , and offer a cost and obligation free initial meeting to review your current position.

Occupational Health & Safety BEAUMONT LAWYERS www.thebeaumontgroup.com.au

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Aussies Snapping Up Electric Vehicles

By Tim Dorbin

(Australian Associated Press)

Australians are embracing electric vehicles like never before with a big jump in the number registered across the country, latest figures have revealed.

The Australian Bureau of Statistics says the number of electric vehicles registered in Australia rose by more than 62 per cent to 23,128 in the 12 months to the end of January this year.

At the same time, the total vehicle fleet rose by just 1.7 per cent to 20.1 million.

The fleet rose in all states and territories with Queensland, South Australia and the ACT posting the biggest increases at 2.3 per cent.

NSW continues to have the most vehicles on the road with 5,892,206 followed by Victoria on 5,157,172 and Queensland on 4,303.713.

Together the three eastern states account for 76 per cent of all vehicles. Despite the uptake in new electric cars, the average age of the Aussie fleet rose from 10.4 years to 10.6 years.

ABS Director of Transport Statistics Rob Walter said the increase in the number of vehicles on Australia’s road had pushedthe vehicle fleet above 20 million for the first time.

He said registrations of electric vehicles had surged for the second year in a row.

It came despite some states moving towards an electric car tax or charge to replace any lost fuel excise, but also amid a rapid expansion of charging infrastructure across the country.

The overall rise of the vehicle fleet also defied the sharp downturn in new vehicles sales early last year when the first wave of the COVID-19 pandemic hit.

The new car market recovered strongly in the second half of 2020 while sales of used cars also rose as more people opted to update their vehicles after travel restrictions ruled out the prospect of overseas holidays.

Diesel registrations increased, rising to 26.4 per cent of all vehicles, however petrol registrations still account for a majority of the fleet at 71.7 per cent.

Electric vehicles account for less than two per cent.

Among the car brands, Toyota has the most vehicles on the road with 2,978,505, ahead of Holden on 1,575,483 and Mazda on 1,310,979.

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7 Powerful Conversation Starters With Your Elders ACCREDITED EDITOR

By Susan Pierotti

Many people want to be involved in the lives of their elderly loved ones and one of the best ways is to listen to their stories. These may become repetitive, but perhaps this is the way our elders are letting us know what was important for them. Yet they have much more to tell us, but how do you begin to unravel their lives?

Getting your loved one's stories out into the world can mean finding ways to bring out their long-lost memories, or thoughts that may not have crossed their minds for decades. These can include previously essential family memories and little-known stories.

The key thing is to engage people, to get them talking about what matters to them.

Questions are powerful. Sometimes, asking a single question means the person will speak for half an hour, and you don’t have to say a word more.

These sorts of questions will likely reveal facts and stories that you have never heard before. You might be surprised by what you learn.

Here are seven simple opening questions that you can use to start the conversation with an elderly person.

Where were you born?

Although you probably know where they were born, asking the question can uncover some interesting memories about the time and place of their birth.

Some of our elders were born in bush hospitals, on farms or overseas.

What can you remember about your parents?

It’s surprising how much elderly people know about their parents and their

stories, and about other relatives. In their day, people sat around and listened to gossip, family adventures, who had given birth to the latest cousin and so on.

They may even want to bring out photos to show you, almost to introduce you, as these people still live in their hearts and minds.

the proposal, the dress, the bridesmaids, the flowers…They love talking about their wedding day – and watch their eyes sparkle as they recall it! Even men remember things like the weather, the church, the suit they had to wear (and how unnatural it felt!) and, of course, how beautiful their bride was.

Where did you go to school?

We know how different schools are now from those in the past; the younger generations can’t even envision a time when there were no computers to learn on! This question can also evoke memories of how they travelled to school, what their teachers were like, and their favourite subjects.

What’s really important is that you listen to them and remain attentive. People can tell when someone is listening and when someone’s mind is somewhere else. Make sure you really focus; perhaps take notes as they speak.

When you were a child, what did you want to be when you grew up?

Career options were limited in bygone days. Perhaps they achieved working in a job they always wanted, perhaps they developed turned their ambition into a hobby, perhaps what they wanted to be would only ever be a dream. How did they deal with their disappointment?

What was your favourite holiday?

You never forget your holidays, so asking about holidays will be sure to bring out some wonderful details that have stuck with them for decades.

What was your childhood like?

You'd be surprised what even simple questions about their childhoods, such as what they would typically wear around the house or to school and what they ate, can reveal. For example, chicken used to be a special food you only had at Christmas!

Can you remember the day you got married?

Be sensitive with this question – not everyone had a planned marriage.

However, most women will remember

Don’t feel limited to these suggestions. If the question is open-ended and focused on something they care about, it is a good way to start a conversation.

Simple questions spark amazing memories, and amazing memories make for amazing stories. Everyone has a story to tell – all you have to do is help them find it.

Creative Text Solutions has written and published numerous family memories over many years. Contact us for recording your elderly loved one’s story.

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

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The 5 C’s of Lending The Secret to Getting Your Mortgage Application Approved MORTGAGE BROKERING

By Reece Droscher

There are many aspects to a Home Loan Application that financial institutions consider when assessing whether to approve or decline the application.

Primarily the success or failure of an application will come down to the applicant’s ability to overcome the 5 C’s of credit: Character, Collateral, Capacity, Capital and Conditions. So what are these C’s and how do they impact on your ability to get a Home Loan.

CHARACTER The first C of Character is based on your willingness to repay your mortgage.

Lenders will refer to your credit history when determining whether you have a proven track record of repaying any previous credit facilities on time, or have operated a continuous credit line such as a credit card within the terms of the facility. Any issues identified on your credit history, such as payment defaults or bankruptcy, may immediately see your application fail this test and therefore it is declined.

Other aspects of the Character test that are considered are: • • •

The applicant’s employment stability.

Does the applicant change address regularly?

Are bill payments made on time?

If your credit history is not great it does not mean you are unable to get a Home Loan. You may need to consider looking at non-conforming Home Loans, which are available for applicants who may not overcome the Character test when applied to credit.

CAPITAL Capital is the second C and represents the applicant’s net worth, the value of your assets minus the liabilities. Effectively the lender will look at personal assets like cars, savings in your bank accounts, investments such as shares and any property that you own, and deduct things like credit cards, personal loans and any other loans or credit facilities you have at the time of submitting the application.

The value left is your net worth.

The lender considers this as it demonstrates an applicant’s ability to accumulate

assets. It works in conjunction with the first C, Character, as the willingness to repay debt should assist improve an applicant’s net worth.

An applicant’s life stage will also influence whether an applicant passes the Capital test. A young applicant would not be expected to have accumulated as many assets when compared to a middle-aged applicant. Where an older applicant does not have a significant net worth it may indicate that they spend too much and haven’t allocated any money into savings or buying other assets. Most lenders will decline an application where the applicant’s net worth is below what is expected of someone of their age.

CAPACITY Lenders use the third C of credit, Capacity, to determine an applicant’s ability to repay the proposed debt. They measure this by calculating all forms of income an applicant receives (salary, rental from investment properties, share dividends, some Government pensions) and compares this to the loan repayments or commitments an applicant currently has, including any living expenses, credit card limits, personal loans or other loans.

Should there be enough income left over after deducting these repayments to meet the proposed repayment on the Home Loan requested, then Capacity has been met. Please note that Banks will use a default interest rate, usually a margin of 2.5% above the advertised interest rate, when completing Capacity calculations as they like to see that the applicant will be able to meet the repayments should interest rates go up.

COLLATERAL Collateral refers to the property that is used to secure the loan. For a Home Loan this is the property that you will be purchasing or, for a refinance, a property you already own. Typically, the value of the security should be greater than the size of the home loan requested.

The fourth C is very critical to the success of your loan application as the lender must hold adequate security to ensure their risk of lending to you is mitigated.

If you’re unable to make your mortgage payments as agreed, the bank has the right to seize your property to repay the debt after all other avenues have been explored. There needs to be sufficient value in the Collateral offered to clear

the debt in full should this situation occur.

There are other options available should you be unable to meet the Collateral requirements, such as guarantor loans, that you may be able to consider.

CONDITIONS The final C is the one that can be the most challenging to meet as it is sometimes out of the applicant’s control. Conditions refers to the general market conditions that are present at the time you apply for the loan, such as the current interest rates available, perceived employment security and other events that may impact on your ability to meet the proposed loan repayments. This is particularly pertinent to the current situation we have for those people employed in the hospitality, retail and tourism sectors which have been severely affected by the pandemic.

For example, some lenders have made the decision to remove from consideration any applications for finance which come from anyone employed in these sectors, as their short and medium-term income and employment prospects are potentially bleak. These applicants are seen as too risky for lenders to consider at this time, even if the applicant is currently employed and earning an income.

The purpose of the loan is also an important part of overcoming the Conditions component of the 5 C’s of credit. Buying an investment property is seen as a riskier proposition by some lenders, who have reduced the percentage they would lend for this purpose to 80% of the security value, whereas buying a home for owneroccupation would achieve a loan up to 95% of the security value (subject to mortgage insurance approval of course). If you are able to pass all of the 5 C’s you should not have difficulty proving you are a credit-worthy prospect and would meet the criteria to have your application approved. However even if you don’t pass all of the 5 C’s there still may be options out there to assist you.

Your mortgage broker is best-suited to help you navigate through the market and find the most appropriate solution that meets your needs. At SHL Finance we are ready and willing to help you achieve your Home Loan finance goals.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs.

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Installing A Shed Roller Door GARAGE DOORS

By Chantal Djuric

There is much advice on the internet on how to install your own shed roller door. If you are thinking of installing one yourself, read on.

This is a summary of what we do at Cruzin. We begin by measuring the width of the roller door against where it will be installed as the roller door curtain needs to be 100 mm wider than the opening.

There has to be enough room on the side and the correct space between the wall bracket and the edge of the door curtain.

After measuring accurately where the brackets will be fixed, we attach them with the appropriate equipment, depending on whether they are being fixed to brick, masonry, concrete or steel sheeting. This is not a job for the shed owner as working at heights is an OH&S issue that we take seriously.

Is the chain operator a planetary geared one, a direct drive one or an electric one? Each one has specific instructions on how to be attached. This is fiddly and fraught with the potential to make mistakes. Only a trained garage door specialist will have the requisite expertise to assemble and attach it properly.

As you can see, attaching the door precisely with the correct amount of tension is a tricky process that should be done by an expert.

The door is now centred within the opening with the same amount of curtain overlap on each side. If the operator is an electric one, we position it as required at the same time.

Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners.

We remove strapping and packaging material, without cutting the centre nylon strap, and move the door to the rear of the bracket slots, turning the axle so the door is relaxed on the axle with the bottom rail at the bottom of the curtain.

Without letting go of the curtain, we now cut the centre strap. Holding the centre of the bottom rail, we open and close the curtain to ensure it is correctly aligned on the roll before fitting the guide tracks.

With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.

Now we lift the roller door onto the brackets and loosely secure the axle to them. We never use the wall brackets to mount the door lifting gear as they are only designed to support the door.

Remember, roller doors can weigh up to 200 kg, around twice the weight of most adult males.

With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through.

The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it!

If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury. Our advice is – leave it to the experts!

For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au

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Why Signage is Important for Any Business SIGNAGES

By Glenn Martin

Your business is more than its logo, products, and services. It’s an entire experience. How you promote your business will determine how consumers interact with you, however, your business signage can have as much of an impact as your website on your enterprise.

From illuminated signage solutions to window graphics, the following looks at how retail signage gives your business a considerable advantage.

1. Enhances communication.

According to Dubai’s leading signage and wayfinding consultancy, signs represent a brand’s most visible form of communication. Outdoor signage and window graphics can impact how a brick-and-mortar business performs. Signs do more than inform. Customers make assumptions of a business according to the quality and attractiveness of their signs. This assumption carries over to how customers perceive the quality of a brand’s products or services. When outdoor signage is complemented with wayfinding design, brand exposure increases. This results in greater opportunities for new customer acquisition and repeat business. Similarly, poor or low-quality signage can deter customers from engaging with your business.

2. Provides a competitive advantage.

Standing out in a sea of companies is a challenge for any business. Signage can be the differentiator, however, between customers choosing your business over those of your competitors. A creative and

unique storefront sign can attract customers from a distance and draw them into your store. Location plays a role in providing your business with a competitive edge as well. Your outdoor and wayfinding signage should be in a high traffic location proximate to your business. Onsite signage will provide the added benefit of enabling people to discover your brand’s physical presence.

3. It’s a cost-effective marketing tool.

Signage can be more than just an attractive differentiator or unique wayfinding solution. Signs are also an essential component of your brand’s marketing strategy. In fact, both small and enterprising businesses benefit from using signs as a marketing tool. Sure, there are other tried and true methods such as billboards and newspaper advertisements. But these promotional strategies do not have the same longevity as signs. Signage can be an exterior ongoing marketing campaign visible 24 hours a day, 365 days a year.

4. Increases sale opportunities.

Well-designed, quality signage can generate unplanned impulse stops. In fact, the U.S. Small Business Administration estimates that between 20 to 45 percent of business sales come from impulse sales.

This is why signage should be placed in the right locations. The checkout counter, for example, can direct customers and inspire additional purchases. Illuminated and custom shaped signage solutions offer dynamic messages that can attract more in-store sales.

5. Builds brand awareness.

The greater the recognition your brand has, the easier it is for your brand to affect

perceptions and attitudes.

This encourages a feeling of connectedness with your community. In the end, this results in repeat purchases and a greater market share.

Signage is a critical component in driving brand recognition.

Coca-Cola and Starbucks are two examples of brands that use signage to its full potential. To fully capitalize on signage, you must create a narrative that illustrates your company values. This narrative should be exemplified in your company branding and signage. This allows customers to make connections with your brand long before they’ve entered your business.

All signs point to success.

Signage is a versatile business tool that can serve a myriad of purposes.

Signage can serve as a visual solution to numerous business problems such as wayfinding, sales, brand recognition, and competitive advantage. Signage is a versatile business tool that can serve a myriad of purposes. Signage can serve as a visual solution to numerous business problems such as wayfinding, sales, brand recognition, and competitive advantage.

Have a signage project in mind? If you already have a design, simply send us the files and we will be in touch to start the process, including a free consultation and site audit to help your business stand out from the crowd.

If you’re unsure of exactly what you want to say, or how you’d like it to look, that’s okay too, just contact the team on 1300 633 902 and together we’ll create the perfect signs for your business and to ensure you get current promotions, follow us on Instagram @Signarama_Mitcham.

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Drink Coffee To Stay Younger!

COMMERCIAL COFFEE MACHINE

By Ivana Smith

We love drinking coffee but what does it do to us as we get older? Should we stop or are we able to still enjoy our favourite hot beverage?

The information in this article may surprise you!

Stay younger, drink coffee Caffeine is an antioxidant, which means it can help fight age-related damage due to oxidation. This can improve our health in many ways, especially as we age.

A study in Japan has shown that coffee contains several anti-aging benefits.

Mice were given caffeinated and decaffeinated coffee as part of their normal food and water diet. Their lipid metabolism, energy metabolism and locomotor activity were tested. The mice showed improved insulin levels, enhanced grip strength of their skeletal muscles and decreased levels of their plasma-free fatty acids. These were just a few of the benefits that were discovered.

Another Japanese study indicated that drinking three to four cups of coffee a day ‘decreased mortality by 24% for 40to 69-year-old Japanese adults’.

Coffee is rich in bioactive substances, with a wide range of anti-inflammatory effects that can improve insulin resistance and glucose metabolism.

Coffee consumption has been shown to decrease the incidence of major causes of death such as heart disease, type 2 diabetes, several types of cancer and the risk of neurological and mental illnesses such as Parkinson’s and Alzheimer’s diseases. A growing body of evidence also suggests that coffee could reduce the incidence of other chronic diseases and mortality due to its strong antioxidant properties.

Caffeine may also activate a protein that supports healthy, elastic blood cells.

Caffeine has been shown to influence movement of a protein called p27 into the cells of the heart; p27 stimulated by caffeine can prevent heart cells from dying during a heart attack.

More health reason for drinking coffee If all that wasn’t enough, here are some

more amazing potential benefits of drinking coffee.

Caffeine may help prevent age-related mild cognitive impairment. It may also prevent or delay dementia. The Cardiovascular Risk Factors, Aging and Dementia (CAIDE) study, which followed people in Finland from middle age into their seventies and beyond, found that caffeine may lower a senior’s lifetime risk of dementia.

One study in the US has found that just one cup of coffee per week could slash stroke risk and heart failure. A joint AARP-NIH study found that people who regularly drank coffee had a lower overall risk of early death. Yet another study that followed nearly 1 million men and women over a period of 26 years found that drinking four cups of coffee a day could even reduce the risk of developing oral cancer. Other research has shown that coffee reduces the risk of severe depression in middle-aged men.

Coffee is a mild stimulant. This means it offers a mood boost that can help you feel motivated and alert, and it’s not just students studying for exams at the last minute who’ve discovered that drinking coffee gives them better concentration and memory powers.

increased heart rate, elevated blood pressure and anxiety. Coffee can also affect your digestion by speeding up digestion, causing diarrhea and gastrointestinal problems, and its high acid content may also make acid reflux worse. The dehydrating properties of coffee can stress the kidneys and make bladder infections worse. People who take ephedrine, echinacea, and theophylline may be especially vulnerable to the effects of caffeine, so talk to a doctor about potential interactions.

Nevertheless, most healthy adults can safely consume about 400 milligrams of caffeine a day. That’s roughly three to five cups a day.

The good news is that we can enjoy coffee into old age – and it’s good for us!

For advice on coffee and how to supply it to office spaces, workplaces and clubs, contact Ivana at ivana.smith@ xpressodelight.com.au.

Ivana Smith

How much coffee is too much?

Be careful, though, about how much you drink in one day. More doesn’t mean better health or that you will live forever.

Commercial Coffee Machine

The caffeine in coffee can cause fluid retention (puffy skin), insomnia, an

www.xdcoffee.com.au

Xpresso Delight 0418 393 085

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Superannuation Landscape Is Changing FINANCIAL PLANNING

Change

The Detail

50% reduction in minimum payments

SIS regulations to extend the temporary 50% reduction in minimum pension payments for the 2021-22 year have been finalised.

Extended to 2021-22 year

Bring forward rule for 65 and 66 year olds

Clients aged under 67 on the 1 July in the financial year of contribution will have the oppurtunity to utilise the nonconcessional bring forward rules.

Work test trap: Remember that, even though a client may be 66 on July 1 of the year of contribution and can therefore use the bring forward rules, if they are 67 on the day of contribution, the work test exemption) must be met.

1 July 2020

Your future your super package

1.

1 November 2021

By Warren Strybosch

There is so much happening with the financial planning landscape. Here are some of the important superannuation changes that you should be aware of: Budget proposal provides great opportunity to even up super balances – a practical look

2.

The recent Federal Budget proposal to remove the work test for non-concessional contributions and allow the use of the bring forward rules for those aged 67 to 74 (expected to commence 1 July 2022) could provide multiple benefits to our retired clients.

Start Date

3.

Increase members in SMSFs

Limit the creation of multiple super accounts for employees who do not choose a super fund when they start a new job.

Requirement of super funds to account for underperformance using APRA performance test.

Impose a 'best financial interests' duty on trustees of all super funds including SMSFs and reverses the evidential burden of proof for the best financial interests duty do that the onus in on the trustee of the super fund.

The maximum number of members allowed in a SMSF will increase from 'fewer than 5 to 'no more than 6'.

MySuper products - 1 July 2021 Other Products - 1 July 2022 1 July 2021

1 July 2020

The following case study highlights just one scenario where a retired couple (in a position comparable to many of our clients) could benefit by making their super balances more even.

Shona and Jack Shona is 68 and works part-time earning $50,000 per year. Her husband Jack is 71 and has been retired for several years drawing on his account-based pension to top up their income needs.

Their investment portfolio can be summarised as follows: Shona and Jack wish to access some of their capital and are considering selling their shares however a significant capital gain will arise.

Assets

Value

Cash

$50,000

Owner

Shares

$350,000

Joint

Superannuation

$700,000

Shona

Account based pension

$150,000

Jack

Total

$1,250,000

Joint

Strategy considerations after proposed budget changes Current Rules • Jack can't contribute to super as he doesn't meet the work test.

Strategy after proposed budget changes • Shina can withdraw $250,000 from her super and pay no tax on the withdrawal.

• Jack can contribute this $250,000 into his super (and then ABP) to help even up the

• Shona can still contribute to super working part-time however her super balance is too high to take advantage of her unused concessional cap (ie TSB > $500K) to make a large tax deductible contribution and save on capital gains tax (CGT).

balances as he no longer has to meet a work test.

• Shona can now access her unused concessional caps from previous years to reduce CGT. • Legislative risk - if super rules change, having more even balances may help.

If you are unsure as to how you’re tracking now or leading up to retirement, or are considering retiring in the next few years, then speak to an advisor at Find Retirement (www.findretirement.com.au). They will help you plan the next stage of your life and provide greater certainty for you and your family.

This information is current as at July 2021. 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

Warren Strybosch

been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Clearview 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

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Skills Shortages Hit Manufacturing Sector

By Colin Brinsden, AAP Economics and Business Correspondent (Australian Associated Press)

The survey shows output and new orders are rising at the fastest rate since late2018 and early-2019.

Australia’s manufacturing sector has rebounded sharply from the depths of last year’s recession, but is already being hampered by skills shortages.

The expected composite index was at 60.6 points, well above its long run average, indicating businesses are optimistic about the outlook.

Australian Chamber of Commerce and Industry chief economist Ross Lambie says employers are having increasing difficulties finding experienced workers as a result of domestic and international border closures.

However, Westpac senior economist Andrew Hanlan said the survey also raised some areas or concern.

“These labour constraints are at levels not seen since September 2007,” Dr Lambie says.

The Australian Chamber-Westpac survey of industrials trends released on Tuesday showed a further improvement in overall manufacturing conditions in the June quarter.

Its actual composite index rose to 63.1 points from 59.4 in the March quarter and 48.7 in the December quarter.

The recovery follows the dramatic fall in the index to 24 points in the June quarter last year that was associated with the initial lockdown and response to the pandemic.

An index firmly above 50 suggests conditions are expanding at a brisk pace, in line with the recovery in the broader economy.

“Lingering disruptions and restrictions around COVID are hampering businesses’ ability to lift production,” Mr Hanlan said.

Profit expectations have been marked lower, despite prospects for strong turnover, as cost pressures mount.

A separate survey of consumer confidence showed the mood among Sydneysiders has deteriorated in response to the COVID-19 lockdown and having seen infections rise rapidly in a matter of days.

However, confidence nationally was fairly flat, offset by the ongoing recovery in Melbourne after its recent restrictions.

The weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – declined 0.2 per cent. But confidence in Sydney dropped 4.6 per cent, and was even worse in regional NSW, down 6.6 per cent.

ANZ senior economist Felicity Emmett said the survey taken at the weekend would not have fully captured the impact of all the various restrictions and lockdowns imposed across states.

Western Australia introduced a four-day lockdown in Perth and the neighbouring Peel regions on Monday night, while Darwin’s snap lockdown was extended to at least Friday.

Queensland added to the roll call, announcing a three-day lockdown for the state’s southeast, Townsville and two islands.

“Recent experience suggests sentiment will respond to case numbers and lockdown measures in the coming weeks,” Ms Emmett said.

“If case numbers remain high, confidence is likely to deteriorate, but if they come back under control quickly and restrictions look likely to be shortlived, sentiment is likely to rebound.”

Recent data shows Melbourne’s 14-day lockdown hurt both retail spending and employment in Victoria.

The Sydney lockdown is estimated to cost the NSW economy $2 billion.

findsurfcoast.com.au

JULY 2021 | FIND SURF COAST

35

Living Longer Impacts On Budget, Economy

By Colin Brinsden, AAP Economics and Business Correspondent (Australian Associated Press)

Australia faces a major challenge of an ageing population, made worse by the lingering effects of the COVID-19 pandemic, Josh Frydenberg has warned.

Releasing the 2021 Intergenerational Report, the treasurer said the economy will be smaller and the population will be older than it otherwise would have been with flow-on implications for economic and fiscal outcomes.

The report shows Australia faces 40 years of budget deficits, relatively high levels of debt and slower economic growth than had been previously experienced.

“The fact that we are living longer is to be welcomed but the impacts on our economy and our budget are profound,” Mr Frydenberg said, launching the report at a Committee for Economic Development of Australia (CEDA) event on Monday.

The five-yearly IGR provides a guide to how the economy will look over the next 40 years and what it means for the budget.

It is the fifth in the series, which was first introduced by former Liberal treasurer Peter Costello in 2002.

Deloitte Access Economics economist Chris Richardson said the new IGR should start some overdue national conversations. “Australians don’t spend enough time thinking about the future,”

Mr Richardson told AAP. “And when we do, we focus on squabbles over slices of the pie, rather than over the size of the pie. We can and should do better than that.” CEDA chief executive Melinda Cilento agreed the report shows Australia can’t afford another lost decade of policy reform.

She said Australia must tackle the costs of climate change, the reliance on income tax, boost productivity and fund essential services like health and aged care to manage the impacts of our ageing population.

“Now is the time to take serious action to address these challenges,” Ms Cilento said.

Mr Frydenberg expects the economy to grow by an average annual rate of 2.6 per cent from 2020/21 to 2060/61, 0.4 percentage points lower than the past 40 years. Australia’s population is expected to grow to 38.8 million by 2060/61.

In the last IGR released by former Liberal treasurer Joe Hockey in 2015, the population was projected to hit almost 40 million by 2054/55.

“This is the first time there has been a downward revision of the longterm population projections in an Intergenerational Report,” Mr Frydenberg said.

As such, he said the composition of the migration program when borders reopen has to be well targeted and skills focused so it can supplement the stock

of working-age people and slow the transition to an older population.

He said economic growth will continue to be highly dependent on productivity gains and a vital ingredient in lifting long term living standards and wages.

Earlier the treasurer pledged on ABC radio to fully fund the NDIS, while noting health and education spending were also at record highs.

“We want to continue to pursue reforms that encourage more investment by business, improve the provision of skills across the country and also ensure a more flexible workplace,” he said.

But Opposition Leader Anthony Albanese says the government has given up on reform and doesn’t even try to pretend to deliver it.

“It’s given up on a future agenda. This is a government where productivity was going backwards for two quarters in a row before the pandemic. We had a productivity recession,” he told Sky News.

Australian Industry Group chief executive Innes Willox also pointed out that most of the challenges identified in the report pre-date COVID. “Hopefully the need for action to maintain the COVID recovery will spur governments, businesses and the community more broadly to act more decisively on the numerous issues that have been clear for many years,” Mr Willox said.

JULY 2021 | FIND SURFCOAST

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FIND SURF COAST | JULY 2021

findsurfcoast.com.au

Welcome back to Your Library Service update from Friday, 18 June 2021 From Friday, 18 June, we are able to welcome more people to the library. All libraries will have a limit of 75 people at any one time, with the exception of Realm (50 per floor), Montrose (68), and Belgrave Express (30).

Call + Collect services are still available if you would prefer contactless service. Call your local library to arrange a selection of library items for collection.

In-person Storytime has been suspended until further notice. In the meantime, our Online Storytime program has resumed on Facebook, weekdays at 11am. Kids can also enjoy a wide range of 'boredom buster' activities on our YouTube page, presented by Your Library's Children's Librarians.

Conditions of entry: • • • • • • •

Library users must register their visit by using the QR Code or by registering in the Visitors’ Contact Log. A family group can enter by one registration using the QR Code or by registering in the Visitors Contact Log. A face mask must be worn at all times, unless the person has a *lawful reason not to.

The hand sanitiser provided must be used before entry to the library.

Please do not enter the library if you are unwell. You may be requested to leave if you display any symptoms of being unwell.

Whilst every care will be taken library customers are using our facilities at their own risk.

In the interest of health, safety and well-being to all, members must comply with all directives from the nominated Officer-in– charge.

See current services for updates.

Winter School Holiday Program

View current services

Book Now

We've been busy behind the scenes planning loads of awesome activities to keep the kids entertained over the upcoming Winter School Holidays, beginning Monday, 28 June. Book now to avoid disappointment!

findsurfcoast.com.au

JULY 2021 | FIND SURF COAST

37

Welcome to Belgrave Express Belgrave Express is a temporary service running in Belgrave while the library building is being renovated. Services include: • • • • •

Holds collection Returns (during business hours only) A small selection of picture books and adult titles Storytimes (government restrictions permitting) 2 PCs and a printer/copier

Belgrave Express is open Monday - Friday from 9am - 4:30pm and is located within the Belgrave Community Hub, 1616/1624 Burwood Highway, Belgrave.

More info

Digital Library Spotlight Libby Chinese Collection Have you discovered Libby's Chinese Collection yet?

Enjoy a range of eBooks, eAudiobooks, and eMagazines for adults, as well as a selection of kids and teens titles. You can also make suggestions for purchase via the 'Recommend to Library' feature.

Explore now

JULY 2021 | FIND SURFCOAST

37

2021 TA AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Announcement(8-May-2021) Consultation Introduced Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

Superannuation guarantee exclusion for low income workers to be removed (2021 federal budget measure) The low income earners’ exemption for employers calculating their superannuation guarantee shortfall is proposed to be removed. Essentially, this exemption removes a superannuation guarantee liability for an employer where an employee has salary and wages less than $450 in a calendar month. The proposal, which will remove a section of the superannuation guarantee legislation, will not come into effect until after it passes through the parliamentary process. Where clients of yours contracts out payroll requirements to a third-party provider, best practice is to ensure a relevant update to the system is completed. This may involve

Announcement(11-May-2021) Consultation Introduced Passed Royal Assent Date of effect

contacting the third party or completing a “dry run” prior to making any payments.

Downsizer contributions to superannuation (2021 federal budget update) Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. An announcement from the 2021 federal budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60. This contribution will be outside the current nonconcessional rules. To be eligible to make the contribution, they must have owned their main residence for

Announcement(10-May-2017)

at least 10 years. It is available to both members of a couple for the same home, even if only one is on the

Consultation(11-May-2021)

title deed.

Introduced Passed

These contributions are in addition to existing rules and caps and are exempt from the: •

age test

•

work test, and

•

$1.6 million total superannuation balance test

Royal Assent Date of effect(1-Jul-2018)

for making non-concessional contributions.

Self-education removal of deduction limitation (2021 federal budget measure) Individuals may soon have the ability to increase a self-education deduction following a 2021 federal budget announcement. Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be removed subject to legislative approval. The announcement is somewhat related to a Treasury discussion paper released in December 2020. However,

Announcement(11-May-2021) Consultation(11-May-2021) Introduced Passed

other matters addressed in the paper, such as deductions for expenses unrelated to current employment,

Royal Assent

were not addressed in the budget announcement.

Date of effect

Individual tax residency framework reform (2021 federal budget measure) The individual tax residency rules will be replaced by a new framework with a primary physical presence test. Under the new primary test, a person who is physically present in Australia for 183 days or more in any income year will be an Australian resident for tax purposes. Individuals who do not meet the primary test will be subject to secondary tests that consider a combination of physical presence and other measurable criteria. These new rules contrast with the current rules which look at the ordinarily resides test as the primary indicator to reviewing Australian residency. Changes to the individual tax residency rules will be required to go through the legislative process and will commence after royal assent has been given.

Announcement(11-May-2021) Consultation(11-May-2021) Introduced Passed Royal Assent Date of effect

AX UPDATES Rental properties to be data matched by ATO The ATO has recently announced an intention to collect data from property management software providers.

The information will be data matched to ensure owners of rental properties are adhering to their taxation obligations. The data matching program will collect data from the 2018-19 income year through to the 2022-

Announced: 21-May-2021 Updated: 2-Jun-2021

23 income year. The main focus of the data matching program will be to identify undeclared income, as the ATO will attempt to match property ownership information to tax returns.

Temporary COVID Disaster Payment The federal government has announced a new support payment for individuals who are unable to work during a COVID-19 lockdown. Known as the Temporary COVID Disaster Payment, it will be a payment of $500 per week for people who reside or work in a Commonwealth defined hot spot. Like other support payments,

Announced: 3-Jun-2021 Updated: 3-Jun-2021

it will be available through Services Australia. Affected people will be able to apply from Monday, 7 June 2021.

50% minimum pension drawdowns extended for 12 months Minimum drawdowns for superannuation pensions have been reduced by 50 per cent for the 2019-20 and 2020-21 income years. Recently, it was announced that the reduction would extend into a third year for 2021-22.

This measure is intended to support retirees in managing the impact of the:

Announced: 22-Mar-2020

•

recent volatility in financial markets, and

Updated: 7-Jun-2021

•

prevailing low interest rates on their retirement savings.

Similar to 2009 GFC response measures, pension members who have already withdrawn above the new minimums are not allowed to “put the money back in”. However, any re-contribution to superannuation may be allowed under normal contribution rules.

Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions is proposed to be removed from 1 July 2022. Currently, members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for nonconcessional contributions (including the bring forward rule) will allow members to contribute more to super throughout their lifetime, subject to meeting other requirements. It is noted in the 2021 federal budget announcement that the work test for individuals between 67 and 74 years will continue to apply for personal

Announcement(11-May-2021) Consultation Introduced Passed Royal Assent Date of effect

deductible contributions.

Div 7A extension request extended for 2020-21 minimum repayments Company shareholders who are unable to make a minimum Division 7A annual repayment in the 2020-21 income year may be allowed an extension of time to pay by the ATO. This is the second year in which the ATO has allowed an extension through a streamlined process. An extension will only be allowed by the ATO for the 2019-20 or 2020-21 income year if the COVID-19 pandemic has affected the personal circumstances of the borrower. If the request is granted, the borrower will have a 12 month extension to make the minimum annual repayment for a particular year. This means a: • •

2019-20 minimum annual repayment extension is due for payment by 30 June 2021, or 2020-21 minimum annual repayment extension is due for payment by 30 June 2022.​

Announcement(11-May-2021) Consultation Introduced Passed Royal Assent Date of effect

On approval, the ATO will inform the borrower that they will not be considered to have received an unfranked dividend. This extension is intended to be used when a borrower is unable to pay, taking into consideration cash flow. The ATO is reminding taxpayers that making a false and misleading statement may bring significant penalties to the taxpayer.

See More JULY 2021 | FIND SURF COAST

39

JULY 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

PROPERTIES FOR SALE 132345 Feature Address Place Here A Short Description for this Property.

Offered at $000,000

O C

N I M

O S G

N O

ADVERTISE YOUR PROPERTIES HERE Email your Properties For Sale in the Find Surf Coast and we will place it in the online community paper.

Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30

info@network.com.au

JULY 2021 | FIND SURF COAST

41

42

FIND SURF COAST | JULY 2021

findsurfcoast.com.au

Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Surf Coast each week and we will update your Listing in the online community paper for FREE.

If you have questions, contact Warren on 1300 88 38 30 or email: info@findnetwork.com.au

NEW RENTAL LISTING HOSKINS 142 Maroondah Highway Croydon VIC 3136

03 9722 9755 croydon@hoskins.com.au www.hoskins.com.au

$500 Per Week

$390 Per Week

Under Application

Under Application

8 Sheppards Lane Chirnside Park VIC 3116 4

2

2

MORE DETAILS

$995 Per Week

2

2

1

MORE DETAILS

$400 Per Week

Available now

Available now

7/52A Lyndhurst Street Richmond VIC 3121 3

1/37A Exeter Road Croydon North VIC 3136

2

1

MORE DETAILS

3/10 Wildwood Grove Ringwood VIC 3134 2

1

1

MORE DETAILS

Looking to market your

Warren Strybosch

Building Company in

1300 88 38 30

Contact Warren for all of your advertising needs.

info@findnetwork.com.au

JULY 2021 | FIND SURF COAST

43

NEW RENTAL LISTING Stockdale Leggo Ringwood SURREAL&PROPERTY GROUP 1/23 Street, Ringwood, 2/732Ringwood Mountain Highway BayswaterVIC VIC3134 3153 039723 98796335 03 5288

ringwood@stockdaleleggo.com.au croydon.vic@raywhite.com www.stockdaleleggo.com.au www.surrealpropertygroup.com.au

$370 Per Week

$370 Per Week

Avail Now

Avail Now

2/30 RAILWAY PARADE Murrumbeena VIC 3163 2

1

1

MORE DETAILS

$420 Per Week

203 / 251 CANTERBURY ROAD, Forest Hill 2

MORE DETAILS

Avail Now

20 Currawa Drive Boronia VIC 3155 1

2

MORE DETAILS

$550 Per Week

Avail Now

183 Burwood Highway Burwood East VIC 3151 4

0

$450 Per Week

Avail Now

3

1

2

2

MORE DETAILS

30 Owen Street Boronia VIC 3155 3

1

2

MORE DETAILS

NEW RENTAL LISTING SURREAL PROPERTY GROUP P.O Box 2079, Bayswater 3153

03 9723 5288 info@surrealpg.com.au www.surrealpropertygroup.com.au

$300 Per Week

$390 Per Week

Avail Now

Avail Now

3B Parker Avenue BORONIA VIC 3155 1

1

1

MORE DETAILS

7/21 King Street, BAYSWATER VIC 3153 2

$410 Per Week

$420 Per Week

Avail Now

Avail Now

90 Scoresby Road BAYSWATER VIC 3153 3

1

1

MORE DETAILS

3

$360 Per Week

Avail Now

Avail Now

2

1

1

MORE DETAILS

1

MORE DETAILS

1/17 White Avenue BAYSWATER NORTH VIC 3153

$285 Per Week

2/10 Maple Street BAYSWATER VIC 3153

1

1

2

MORE DETAILS

1/34 High Street BAYSWATER VIC 3153 2

1

1

MORE DETAILS JULY 2021 | FIND SURF COAST

45

NEW RENTAL LISTING SURREAL PROPERTY GROUP P.O Box 2079, Bayswater 3153

03 9729 5288 info@surrealpg.com.au www.surrealpropertygroup.com.au

$600 Per Week

$465 Per Week

Avail Now

Avail Now

2 Retford Close BAYSWATER NORTH VIC 3153 5

2

2

MORE DETAILS

9A Ashby Court BAYSWATER VIC 3153 4

1

1

MORE DETAILS

$515 Per Week

Avail Now

5 Clyden Court BURWOOD EAST VIC 3151

4

2

2

MORE DETAILS

Looking to market your

Warren Strybosch

Building Company in

1300 88 38 30

Contact Warren for all of your advertising needs.

info@findnetwork.com.au

NEW RENTAL LISTING FLETCHERS MAROONDAH 1 Seymour Street Ringwood VIC 3134

03 9955 4988 maroondah@fletchers.com.au www.fletchers.net.au

$650 Per Week

$380 Per Week

Avail Now

Avail Now

6A Through Road Ringwood North VIC 3134 3

2

2

MORE DETAILS

$430 Per Week

2

1

1

MORE DETAILS

$630 Per Week

Avail Now

Avail Now

504/233 Maroondah Highway Ringwood VIC 3134 2

54/13-15 Hewish Road Croydon VIC 3136

2

1

MORE DETAILS

94 Princes Street Carlton North VIC 3054 2

1

0

MORE DETAILS

$475 Per Week

Avail Now

1/235 Burwood Highway Burwood East VIC 3151 3

2

2

MORE DETAILS JULY 2021 | FIND SURF COAST

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48

REAL ESTATE AGENT

FIND SURF COAST | JULY 2021

JULY 2021

findsurfcoast.com.au

www.findsurfcoast.com.au

We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Surf Coast.

For listing enquiries call 1300 88 38 30 or email info@findnetwork.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

COMING SOON

JULY 2021

REAL ESTATE AGENT

www.findsurfcoast.com.au

We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Surf Coast.

For listing enquiries call 1300 88 38 30 or email info@findnetwork.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

JULY 2021 | FIND SURF COAST

49

Surf Coast C

REALESTATE

Wurdi Baierr Stadium Cafe Operator: Expressions of Interest Surf Coast Shire Council is looking for an experienced café operator to run its new Torquay-based facility at Wurdi Baierr Stadium.

Council is seeking expressions of interest from applicants interested in operating a café from the newly constructed recreation centre situated in Torquay.

The centre offers a wide variety of sport and fitness activities and anticipated café clientele are patrons of Wurdi Baierr Stadium, Surf Coast Shire Council staff, and the local community.

Applications are sought from commercial operators and social enterprises alike, and applicants also capable of delivering catering services will be highly regarded.

Information about the application terms and conditions, key lease agreement dates, café preparation and servery site details, and sub-licence agreement can be reviewed here.

Expression Of Interest applications must be received by 5:00 pm, Monday 23 August 2021 and are now being accepted:

Expression of Interest

Council News

JULY 2021

Green light for Anglesea Netball Club Pavilion upgrade Surf Coast Shire Council is pleased to announce funding approval for the Anglesea Netball Club Pavilion upgrade.

The project is able to go ahead thanks to community and Council funding, as well as recently confirmed funding of $500,000 from the Victorian Government’s 2021 Local Sports Infrastructure Fund.

The funding is part of the Female Friendly Facilities stream and will see the existing inadequate pavilion demolished and replaced with a new multi-use facility that will include player change rooms, umpires’ change room, accessible toilet, competition/administration office, first aid/trainers’ room, accessible amenities and storage.

“We’re pleased to be able to improve diversity and inclusion at Ellimatta Reserve by creating facilities that can be used by everyone in the community,” said Cr Mike Bodsworth. “We hope it will lead to increased participation opportunities, particularly by our female junior and senior netballers with the ultimate aim of improving the physical, mental and social wellbeing of our community.”

The $1.3m project will commence in the coming months and be completed by the end of 2022, which will aid the local economy as it recovers from COVID-19 restrictions, particularly with the direct and indirect spend in the local community that comes with building a significant piece of infrastructure.

The project is the fifth netball pavilion upgrade in Surf Coast Shire since delivery of the 2015 G21 & AFL Barwon Strategy, alongside Torquay’s Spring Creek Reserve, Winchelsea’s Eastern Reserve, Lorne’s Stribling Reserve and Mount Moriac Reserve, which is due for completion this year.

More News & Updates

Special Council Meetings For Hearing Of Submissions

Other recent projects that are in progress or have been completed thanks to the Victorian Government’s Local Sports Infrastructure Fund have included the Mount Moriac Netball and Tennis Pavilion Upgrade, Winchelsea Barwon River Adventure Play Space and Anglesea Ellimatta Reserve Sports Lighting Upgrade.

JULY 2021 | FIND SURF COAST

51

Are you Not-For-Profit in Surf Coast Area?

Advertise your events for FREE on the following pages.

Are you a NFP with an up-and-coming event? If so, email your event to info@findnetwork.com.au and we will place it in the paper for FREE.

Surf Coast

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

54

FIND SURF COAST | JULY 2021

findsurfcoast.com.au

TOURS WELCOME Bookings essential: https://yarrardps.vic.edu.au/ or 9723 4182 Select the QR Code to view our virtual tour

222-228 Yarra Road, Croydon North 3136

findsurfcoast.com.au

JULY 2021 | FIND SURF COAST

55

Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at

www.findsurfcoast.com.au/nfp-free-advertising

or you can email the ad to the info@findnetwork.com.au and we will do the rest for you.

JULY 2021 | FIND SURFCOAST

55

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT We will look after your financial affairs so you can enjoy your retirement.

WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions.

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

findsurfcoast.com.au

JULY 2021 | FIND SURF COAST

57

BOREDOM IS A MENTAL ISSUE RETIREMENT

By Bernard Kelly

Because we are the first generation who are living – en masse – into our 90s, we have never been taught how best to combat boredom.

There are no roadmaps – we are pioneers who must find our own pathway.

Boredom is actually a mental issue – if we can’t control our minds, then external forces will. Our brains are living organisms, wanting to acquire knowledge. And if we don’t put our hands on the tiller, television and newspapers will fill the gap.

CONTINUE LEARNING The first antidote is to continue learning.

The phase Lifelong Learning is now in common usage, and for good reason.

We now have 35 years in retirement, and we will obviously need to forget most of what we knew, and learn about our constantly changing circumstances.

Formal programs are best, as the structure will keep you focused, and an online undergraduate degree will provide you with direction for the next eight years.

GROUP PARTICIPATION Group Participation is an activity that most of us never learned, but it’s a fine medication to combat boredom.

Take Rotary for instance.

When you join Rotary, the schedule is laid out for you, and who your team associates will be. This is active in-depth Participation, and so in contrast to the very individual activity of borrowing books from your local library.

TECHNOLOGY Another approach technology.

is

to

embrace

There is so much to learn and do – banking, shopping, health management, socialisation etc.

It is easy to incorporate technology into your lifestyle – you could be watching live feeds of birdlife in the UK or playing games against international teams.

MINDFULNESS This is all about stress reduction – and stress is all too common in our world.

It’s also about happiness – something Buddist monks know all about, but when we’re listening to the radio while preparing breakfast and simultaneously thinking about next weekend, we fail to see cloud formations or flowers in bloom in the garden.

Mindfulness is up there as a primary tool to combat boredom.

COMMUNITY RESOURCES Community resources are everywhere – and if you’re surprised it’s because you haven’t looked for them.

My suggestion is to look for Neighbourhood Houses in your locality.

They host choirs, low cost lunches, gardening clubs and other numerous activities that will help you combat boredom.

Bernard Kelly Bernard Kelly writes about retirement issues. To comment, his email is bernardkellygeelong@gmail.com JULY 2021 | FIND SURFCOAST

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PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 59 • Find Accountant ----------------- 58 • Financial Planning ------------- 00 • Find Insurance -------------------- 59 • Bookkeeping ---------------------- 60 • Editor|Copywriter --------------- 59 • General Insurance ------------- 60 • Life Coach --------------------------- 60 • Signages ------------------------------ 61 • Mortgage Brokering ----------- 61 • Solicitor/Lawyer ------------------ 60

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findsurfcoast.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES INSURANCE

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

Personal Insurances Include: • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367

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

We provide ourselves in providing honest advice that you can rely on.

1300 88 38 30

warren@findinsurance.com.au

www.findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document 4. Full service package (and more)

KATHY ISMAIL

www.kirachitecture.com

ARCHITECT

Make your writing ZING! SERVICES • Book Editing • Memoirs and Life Stories

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

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PROFESSIONAL SERVICES

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

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

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

Save Your Time & Grow Your Business • New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up Sum and Substance Bookkeeping, Training and VCFO services

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar

9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095

• Small and Medium Size Business Owners • Setup, Training & Review

Office: (03) 9424 9447

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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

www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

ABN: 26689211803

Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

Making Contracting, Subcontracting And Intellectual Property Issues Easy.

•

Intellectual Property Law

David@heasleylawyers.com.au

•

Business Law & Commercial Law

0408 611 834

•

Government and Defence Contracts Lawyers

www.heasleylawyers.com.au

DAVID HEASLEY SOLICITOR

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PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

We offer contact-free installation!

Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime.

Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

• Design

Get in touch today.

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS • BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

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

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

Areas of Expertise º WHS/ OHS

Contact Details mfelton@beaumontlawyers.com.au

º Manufacturing º Regulatory Compliance

03 9727 1376

º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Business Management º Operations

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

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PAGES

LOCAL TRADIES

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the info@findnetwork.com.au

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 64 • Garage Doors ---------------------- 63 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findsurfcoast.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

LOCAL TRADIES

A Garage Door Specialist You Can Trust We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call.

• • •

Roller garage doors Security garage doors Electric garage doors

• • •

Wooden garage doors Garage door locks Up and over garage doors

0427 894 603

Hours of Operation

sales@cruzingaragedoors.com.au

• Mon to Fri: 9:00 am - 5:00 pm

www.cruzingaragedoors.com.au

• Sat to Sun: CLOSED

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

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

139 x 96 mm - 1/4 Page Portrait

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

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100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

MACCHIATO

CAPPUCCINO

WE'R

E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

▪

State-of-the-art Swiss technology

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Grinds fresh beans for each cup, no powders

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FLAT WHITE

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

SHORT BLACK

LONG BLACK ....and many more!

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PAGES

HOME & GARDEN HOME & GARDEN

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the info@findnetwork.com.au

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

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findsurfcoast.com.au/graphic-design to upload your details and we will create this for you.

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

HEALTH & BEAUTY

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to the info@findnetwork.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 67 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist.

Contact Us

Areas of Clinical Focus • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly and Torticollis • Tummy Time, Rolling and Crawling • Walking, Limping and Balancing • Sleep Challenges • Dental and Orofacial Myology • Breathing Retraining

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc Grad Dip Paeds Lactation Consultant (IBCLC)

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women

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SPORTS

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport.

SPORTS

VICTORIA WINS RSL NATIONAL LAWN BOWLS CHAMPIONSHIP Victoria has won the 53RD National RSL Lawn Bowls Championship, successfully winning all Tests at the National RSL Bowls Carnival in Sydney ,at the Cabramatta Bowling Club on 28th to 30th April 2021.

This carnival is run on an annual basis, vying for the Jack Hamilton VC trophy, with each of the states hosting the event on a rotational basis. Perth is host for the 54th National Carnival in April 2022.

Twenty players in five rinks of four, as selected by their respective state bodies, compete in 5 tests over two and a half days in fierce but friendly competition.

This competition also allows all participants to renew old acquaintances and to create new and lasting friendships with all the people who have served our country with courage, dignity and pride.

Congratulations to all Victoria’s players for a magnificent effort.

This event is open to full service RSL members only, but Victorian RSL Lawn Bowls conducts a few RSL State events open to all Affiliate and Service members. These include: * RSL State fours and triples championships, * ANZAC Day Tournament and the Challenge Day tournament, * Duke of Edinburgh Shield. * Further news on the Edinburgh Shield in next edition.

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Birth, Deaths & Marriages JULY 2021

Email: info@findnetwork.com.au

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email info@findnetwork.com.au

Birth, Deaths & Marriages JULY 2021

Email: info@findnetwork.com.au

Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages.

SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email info@findnetwork.com.au

JULY 2021 | FIND SURF COAST

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SURF COAST

Support your Local Not-For-Profit

Find Coffee

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FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

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Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses.

LOCAL COUPONS

31 January - 31 January 2022

Up to 50% of generated funds goes to Not-For Profit organisation.

FIND CARD LOCAL OFFERS

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M A

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findsurfcoast.com.au/register Please refer to Page 89

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH Casalinga

001

87

Bedford Coffee Co.

005

87

CARD NO.

PAGE NO.

COMING SOON

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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FIND TAKEAWAY Casalinga Vulcan Pizza Sofia Croydon Bedford Coffee Co.

001 002

91 91

003 005

91 92

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL

FIND DINING Casalinga

001

64

Sofia Croydon

003

64

The Quiet Vegan

003

64

Dining

Part of the secret of success is to eat what you like and let the food fight it out inside FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

S S

M A

M A

E L P E L P

S S

M A M A

E L P E L P

Brekky, Brunch & Lunch

The best memories are made when gathered around the table

FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

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& Lunch

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Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

S S

M A M A

E L P E L P

Takeaway

You don't need a silver fork to eat good food

FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

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NEW OFFERS COMING

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Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS info@findnetwork.com.au 1300 88 38 30

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M A M A

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M A M A

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Coupons &

Any changes or updates to these ‘Terms of Use’ of the

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

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons.

Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted.

Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

e Find Cards and/or Find Coupons can be found here.

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

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

Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card.

Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2021 Find© Pty Ltd.