Find Yarra Ranges 2021 - December Edition by Find

The

DECEMBER 2021

Yarra Ranges WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

YARRA RANGES COUNCIL NEWS

TAX UPDATES

FIND BIRTH, DEATHS, & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER YARRA RANGES

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KiR Architecture SIGNARAMA mitcham@signarama.com.au

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GENERAL INSURANCE

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WARREN STRYBOSCH

CRAIG ANDERSON

REECE DROSCHER

FINANCIAL PLANNER

SOLICITOR

Are you our next Financial Planner?

Are you our next Solicitor?

MARKETING

Are you our next Marketer?

ARCHITECT

FINANCE BROKER

Are you our next Architect?

Are you our next Finance Broker?

Are you our next Lawyer?

BUSINESS COACH

WEB DEVELOPER

ELECTRICAL OPERATIONS

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Are you our next Electrician?

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LIFE COACHING

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Are you our next Life Coach?

? ?

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DECEMBER 2021 | FIND YARRA RANGES

About the Find Yarra Ranges By Warren Strybosch

The Find Yarra Ranges is a community paper that aims to support all things Yarra Ranges. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting upand-coming events in the Find Darebin 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. Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years. Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating. Our fundraising initiatives will never simply ask for money from you. We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised. Any NFP and similar organisations e.g., schools, sporting clubs, can participate. Follow us on facebook (https://www. facebook.com/findyarraranges) so you keep up to date with what we are doing. We value your support, We value your support, The Find Yarra Ranges Team.

The

Yarra Ranges 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.findyarraranges.com.au

OUR NEWSPAPER The Find Yarra Ranges was established in 2020 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-ForProfits, 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 Darebin has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS YARRA RANGES The City of Yarra Ranges is a local government area in Victoria, Australia in eastern and northeastern suburbs of Melbourne. Yarra Ranges had a population of approximately 149,537 as at the 2016 report and close to 58,972 households. The City of Yarra Ranges was formed in 1995 by the merger of parts of the Shire of Sherbrooke, Shire of Lillydale, Shire of Healesville and Shire of Upper Yarra.

ACKNOWLEDGEMENT The Find Yarra Ranges 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 Yarra Ranges, which is part of the world's oldest living culture.

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

Next Issue of the Find Yarra Ranges will be published on Tuesday February 8, 2021. Advertising and Editorial copy closes Friday February 4, 2021.

DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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Our Local Communty: Wishing Everyone A Good End To The Year

Mark Mogato By Warren Strybosch

We would like to wish you all a happy end to the year, and we hope that everyone can find some time to recharge over the holiday break. It has been a very difficult year for many people in Victoria and some people and families still have some challenging times ahead. We want to thank you all for supporting our community paper. We look forward to continue to grow this paper next year and find new or better ways to serve our local community through this initiative.

We want to especially thank the small business owners, those who have contributed articles, the in-kind sponsors, and those who have given up their time and provided resources to this community paper. Your support has not gone unnoticed. We would ask the local community to support those businesses listed on page 2, who have provided financial support towards this endeavour and look forward to other businesses joining us in 2022 as well as some corporate sponsors. From all the team at the Find Foundation, Thank you.

SUPPORT LOCAL, BUY LOCAL, DISCOVER YARRA RANGES Do you have photos from a local event or even a great story you would like to share?

SEND US YOUR NEWS! Yarra Ranges

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DECEMBER 2021 | FIND YARRA RANGES

By Warren Strybosch

Cryptocurrency Has Gone Mainstream By Warren Strybosch

Cryptocurrency has become very popular in Australia. According to the 2021 Independent Reserve Cryptocurrency Index, more than 28.8 per cent of people in Australia own or have owned cryptocurrency at one point or another. More women compared to men, in the 24 to 34-year-old age group bracket, are having a punt on cryptocurrency today, according to a survey by the leading exchange and the proportion of women investing in crypto doubled from 10.3 per cent to 20 per cent. Whilst Crypto might be very volatile, 89 per cent made money or broke even this year. However, it is likely most are down now given the 20-30% drop in Crypto currencies that occurred in early December. According to Mr Przelozny crypto has gone from fringes to the mainstream even though Aussie regulators and government agencies have taken time to accept cryptocurrencies and other digital businesses or assets. The Independent Reserve chief executive Adrian Przelozny said that the sector should have regulation on this to provide security for the investors and cryptocurrency businesses. Since the survey of 2000 respondents found that some 26.6 per cent would buy crypto if the security regulation was improved. At this point in time, Bitcoin and Ethereum, remained the most popular cryptocurrencies that people invest in.

Short Story Competition

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Tales from the pandemic...a time like no other ‘It was the best of times, it was the worst of times’ – Charles Dickens, A Tale of Two Cities, 1859. As 2021 draws to a close, Your Library wants to capture the stories of this place at this time. The past two years have seen most of our assumptions, habits and expectations thrown out the window. We would like to record the tempo of the time while it is still fresh and preserve it for the future. DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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Providing Your New Employees With A Safe And Healthy Start To Their Employment With You OCCUPATIONAL HEALTH & SAFETY By Mark Felton

As we come out of another lockdown, with the promise of an ongoing period of normality, a number of businesses are ramping up with a degree of confidence, and are working hard to hire new staff. How do employers continue to maintain a culture of continual improvement for the health and safety of their team, whilst adding new members? As an employer you have an obligation to provide and maintain safe plant (machinery and equipment), provide and maintain safe systems of work, ensure the safe use, handling, storage or transport of plant or substances, keep workplaces in a safe condition, free of risks to health (for example, ensure fire exits aren’t blocked, and the worksite is generally tidy), provide suitable facilities for welfare, give your employees the necessary information, instruction, training or supervision to enable them to do their work in a way that is safe and without risks to health. But how do you ensure that you do this from the very first moment a new employee joins your organisation? You do this by creating, and continually adapting and improving, an Induction Program. An effective Induction Program will greatly reduce something being missed that may result in an incidentimpacting on the health of the new team member and/or those around them. An effective Induction Program is consistently applied in a consistent time frame, and clearly outlines the employer’s expectations of their employees. It covers the risks that are associated with the roles carried out, along with the steps that must be taken

to properly manage these risks. It is then imperative that an acknowledgement from the new employee, confirming their participation and understanding of the training received, is effectively recorded. Some businesses have informal systems that are delivered by key personnel. What happens if this key person is away or things just get busy and important elements are overlooked. How does an employer defend themselves when an employee has hurt themselves because of a poor understanding of the risks involved and the expectations of their new employer?

improvements, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe, whilst boosting profitability. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers. com.au for an obligation and cost free initial discussion.

I can assist employers by reviewing their current systems with them, and how they relate to the tasks carried out, highlighting any shortcomings. I can then assist in the development of an effective Induction Program. Checks are put in place to monitor the effectiveness of any

Mark Felton Occupational Health & Safety Beaumonth Advisory www.thebeaumontgroup.com.au

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

Manufacturing

Regulatory Compliance

Safe Working Practices

Succession Planning

Business Management

Operations

Contact Details mfelton@beaumontlawyers.com.au 03 9727 1376 www.thebeaumontgroup.com.au/lawyers/ PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

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DECEMBER 2021 | FIND YARRA RANGES

Coffee Creations For Christmas COMMERCIAL COFFEE MACHINE By Ivana Smith

When we think of Christmas food, we drool over thoughts of turkeys and hams, or seafood and salad. By the time it comes to dessert, we dream of puddings or pavlovas. Why not plan for the end of the meal a light but refreshing coffee dessert? Here are four to whet your appetite. Italian crema di caffé To strong hot coffee, add a little sugar and refrigerate until very cold. Whip cream until soft peaks form, slowly drizzle the cold coffee in and beat until thick. Cover the bowl and refrigerate for 1 hour, then gently mix together. Sprinkle with cocoa or chocolate flakes, layers of crushed amaretti cookies, cinnamon or top with a couple of chocolate-covered espresso beans. Espresso martini slice Grease lightly a 16x26 cm slice tray and line with baking paper that overhangs the two long sides. Break 250 g of plain chocolate biscuits into a food processor with 2 teaspoons of coffee granules and process until finely crushed. Add 90 g butter and process until combined. Press evenly over the base of the prepared pan. Place in the fridge. Of 400 g dark chocolate, reserve 1 square and roughly chop the remainder. Melt the chopped chocolate, 200 ml cream, 2 tbsp coffee-flavoured liqueur (such as Tia Maria or Kahlua) and 1 tbsp of coffee granules in a heatproof bowl over a saucepan of simmering water, without the bowl touching the water. Stir until melted and smooth, pour over the biscuit base and place in the fridge for 2 hours. Melt 180 g white chocolate, 1½ tsp oil and reserved dark chocolate square in a heatproof bowl over a saucepan of simmering water. Again, don’t let thebowl touch the water. Stir until smooth, remove from heat and set aside to cool slightly. Pour the filling into the base, quickly spreading to the edge. Decorate with chocolate-coated coffee beans. Place in the fridge for 2 hours. Use a hot dry knife to cut into small squares to serve.

Choc-Kahlua cappuccino custard pie Process 1 cup flour, ¼ cup cocoa, 1/3 cup icing sugar and a pinch of salt in a food processor until well combined. Add 125 g butter and process until the mixture resembles coarse crumbs. Lightly whisk 1 egg in a small bowl. Into the food processor with the motor running, add the egg and 1 tsp vanilla and process until the dough just comes together. Gather the dough together into a disc, cover with plastic wrap and place in the fridge for 2 hours. Preheat oven to 200C (fan-forced 180C). Roll out the dough from the fridge between 2 sheets of baking paper until 4 mm thick. Use to line the base and sides of a pre-greased 23 cm cake tin with removable base. Trim any excess dough. Place tin on a baking tray in the freezer for 15 minutes to chill. Line the dough with baking paper, fill with pastry weights or rice and bake for 15 minutes. Remove the paper and pastry weights or rice. Bake for a further 10 minutes or until golden. Set aside to cool slightly on the baking tray. Meanwhile, place in a saucepan 250 ml milk, 1/2 cup caster sugar, 250 ml cream and ½ cup caster sugar over medium heat and bring to a simmer. Remove

from heat. Add 100 g milk chocolate, 1 tbsp cornflour and ¼ cup Kahlua. Stir until chocolate has melted. In a separate bowl, whisk together 3 eggs and 1 tsp vanilla. Slowly pour in milk mixture, whisking constantly until thickened. Pour custard mixture into cooled tart tin. Bake for 20–25 minutes or until custard is just set. Set aside to cool completely. Place in fridge to chill. Use electric beaters to beat 1 cup cream and ¼ cup Kahlua in a large bowl until firm peaks form. Transfer to a piping bag fitted with a 1 cm plain nozzle. Pipe peaks of cream on top of the pie. Lightly dust with cocoa powder. For an unforgettable Christmas meal, try one – or all – of these scrumptious coffee desserts! For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.

Ivana Smith Commercial Coffee Machine Xpresso Delight 0418 393 085 www.xdcoffee.com.au

DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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Six Mythbusters on Hiring A Good Architect ARCHITECT By Kathy Ismail

If you are building a new home, extending or renovating a current one or subdividing a block, you will manage much better if you employ an architect. If you think an architect is an unnecessary expense, these 6 points may convince you otherwise. 1 ‘I know what I want’ Sure you do, but is it possible to build it where you want it? Do you have the expertise and math's skills to design a building which will last? Can you advise the builder, fill out all the forms for the local council’s requirements, adhere to government regulations...? Architects have tertiary education qualifications, are licenced and keep up to date with current and emerging trends in areas such as design, construction and green energy. This means you can draw on their knowledge for ideas and complex design solutions to problems. 2 ‘I saw it on the internet and I want one the same’ The images you saw on the internet were most likely advertising a building company. They obviously will have presented their very best image, but how flexible will their design be for? Working within a given set of parameters, architects apply creative innovation to produce a viable and practical house that fits your family lifestyle or business premises that optimally uses the location space. They will expand your vision as to what is possible whereas a builder will give you just what you ask for. Importantly, a good architect knows how to work in specified conditions within a budget limit while following numerous policies, regulations and building codes. 3 ‘I’ll make sure it’s built the way I want it so I’ll manage the project myself’ Seriously, do you really want to negotiate and coordinate with the builder, the building materials supplier, the local council, the interior designer and the landscape designer yourself? Do you even have the time? An architect can manage the project, including paperwork, site visits and reviews, from the first council permit to

handing over the keys when finished. (Hint: councils respond better and more quickly to an architect’s request that to private individuals.) 4 ‘I’m sure I told them that!’ Every industry has its own lingo, and construction is no different. Business and home owners don’t always use the terms to use that a builder does, resulting at times in misunderstandings and incomplete instructions. An architect acts as a ‘translator’. Architects and builders speak the same ‘language’ so nothing gets overlooked or lost. 5 ‘I’m too busy to contact everyone’ Building a house, office or business premises means talking to lots, and lots, and lots of people! It also takes several months (years?) to finish such a project. Do you have the time and energy, and more crucially, the patience and people skills to deal with all the different people you need to deal with? Architects are master team members. They coordinate with their internal team (the people who work in their business), the construction team, planning officials, surveyors and, of course, you. A good architect advocates for your goals and needs and makes sure all parties involved are satisfied. 6 ‘Something’s gone wrong! How do I fix it?’ Completing a large-scale project such as building a home or office will always

develop a few problems here and there. And it’s almost a given that a problem tends to occur when you least expect it to. It could be something as minor as odd-coloured tiles arrived. The current blocked supply chains are hampering the delivery of timber, delaying building the structural walls. The council doesn’t give you permission to do something inherent in the design. Do you have the knowledge of how to solve it? A professional architect is trained and prepared to handle whatever may come. If a problem is one of design, you will find that an architect is adaptable with design and flexible enough to change the plans. This contributes to resolving issues efficiently and quickly, which avoids escalating costs – always a bonus! If it's a lack of supply of your chosen materials or a legislative matter, a good architect has the experience to offer an alternative solution. Contact KIR Architecture at contact@ kirarchitecture.com.au for help with all your building projects. We are always happy to answer any inquiries.

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

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DECEMBER 2021 | FIND YARRA RANGES

Victorian Ombudsman Criticized COVID Border Exemption Scheme

By Warren Strybosch

Victorian Ombudsman, Deborah Glass, has found the Department of Health’s COVID border restriction exemption scheme to be ‘unjust’ and ‘inhumane’. Chief Health Officer, Brett Sutton, declared New South Wales as an “extreme risk zone”. Thus, Victoria closed its border with NSW on July 9. In September, Ms. Glass made an investigation into the handling of the Department of Health’s border restrictions. She discovered a lot of complaints were submitted, including many denials of exemptions despite people being fully vaccinated and/or returning negative COVID test results. Even Castlemaine resident, Marianne Allan, who had multiple letters from her doctors stating that she needed medical treatment for her advanced pancreatic cancer at home, still received many denials related to her permission for an exemption to return to Victoria.

Ms Glass found that many of the complaints relating exemptions not being provided for what she considered legitimate reasons. For instance, people were denied entry to people complained to the Ombudsman after being denied exemptions to travel back to attend funerals, attend vital medical appointments, to take care of an ill family member, to care for their animals, and to obtain employment. This led some people to become broke and homeless because they were unable to return to their home of origin. Ms Glass fully understood the need to close the border which was based on the DOH’s advice, but she believes the regulations relating to the border scheme need to be reviewed in light of what transpired. "I recognise that the Department of Health's intentions were to protect people in Victoria from a dangerous virus that had already seeded through cross-border incursion and that the department was under enormous

pressure dealing with the exigencies of the public health emergency.” She said. She also added, "While we did not review all decisions and I do not suggest that all were unfair, the overwhelming majority of applications did not get to a decisionmaker at all, and the guidance did not change even as case numbers in Victoria grew and the risks evolved." The result was some of the most questionable decisions I have seen in my over seven years as Ombudsman," Ms Glass said. "There is no doubt the government provided explicit warnings to Victorian residents interstate. "But people still reasonably relied on a traffic light system which previously would have seen them come home under strict conditions." 'People felt caught up in a bureaucratic nightmare'

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Support Local Artists As They Return To The Stage

Festive Season Hours 2021-22

After two devastating years of cancellations and postponements, Melbourne’s

Stock up on summer reads and ease your way into the festive season!

independent live music industry is slowly recovering. As we work to rebuild, our

Our library hours will be modified in the lead up to Christmas and the new year,

Local Artist Appeal will continue to underpin our pledge to restore confidence to

but our after hours chutes will remain open 24/7 for your returns. Don't forget, you

our city's beloved musical ecosystem.

can enjoy our digital library anywhere, any time! DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

ACCOUNTANT By Warren Strybosch

As a business you might be able to claim some, if not all, of the costs but it really depends on when and where you hold your Christmas party, who’s invited, and how much it costs per guest. Work Christmas parties are considered entertainment (although many are less than entertaining) and therefore can be subject to Fringe Benefits Tax (FBT). In Australia, in the financial year 202021, the FBT rate is 47%, which is a great reason to try and avoid it.

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The Staff Christmas parties – what can be claimed?

What is the location of the Christmas Party? If you hold the Christmas party at your office or work premises, and supply food and drink to your employees, then this is normally exempt from fringe benefits tax. If you hold the Christmas function at a restaurant or any type of function venue, then you must keep the cost below $300 per staff person. Given the event is held ‘infrequently’ and below the minor benefit exemption of $300, this should avoid FBT implications, and the cost can be deductible to the business.

Who you invite may be an issue. Inviting current employees, their partners or family, and clients to a Christmas party held either at the business or off-site: •

•

Employees only and costs per head less than $300 each - no FBT as minor benefits exemption applies. More than $300 each: at business - no FBT, at a restaurant - FBT applies. Partners or family and cost per head less than $300 each - no FBT as minor benefits exemption applies. More than $300 each - FBT applies. Clients - at business or at a restaurant - no FBT & no tax deduction.

Our advice, is to give the gift on a different day if both the meal and gift will be over $300.

Not all gifts are equal. It is important to make sure that the gifts qualify. Some gifts that cannot be given to employees are movie tickets, sporting event passes, tickets to music events, and trips overseas are considered a no-no with the ATO. However, you can give gift vouchers to your employees, alcohol, hampers, flowers, etc, are acceptable, deductible and avoid FBT. We suggest, when it comes to alcohol, so as to avoid any issues with the ATO, as they seem not to like alcohol being given, is to provide the employee with a gift voucher instead.

Seek professional tax advice If you are not sure what is deductible or not, just give your friendly accountant a call to discuss your Christmas party plans. Better a quick phone call then a

few thousand dollars of expenses you cannot claim. From the team at Find Accountant, we hope you have an enjoyable Christmas party, holiday break with friends and family, get to recharge – as this year has been one of a kind, and feel refreshed for the next year. We hope next year you will be kicking goals in your business. 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

What about a gift to your employees? You need to be careful with this one. A gift to an employee is deductible and avoids FTB implications if it is under $300 and given infrequently e.g. at Christmas time.

WARREN STRYBOSCH

The only care you need to take here is when you give the gift to an employee or their family member at the Christmas party. If the meal and gift is more than $300 in total, then you might have an issue with FBT.

best financial lives. A multi-award winner, Warren’s innovative approach in business means he

Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

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

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DECEMBER 2021 | FIND YARRA RANGES

Poor Awareness About Repeat Heart Attacks

(Australian Associated Press)

An estimated 57,000 Australians are admitted to hospital with heart attacks every year. Thirty per cent of them are on their second and one-in-10 will experience another event within 12 months.

underestimate the support they need and may not know educational resources can help achieve a better quality of life.

But if that’s not enough to set alarm bells ringing, research suggests survivors of the nation’s single-biggest killer aren’t sufficiently aware of the ongoing risks.

“Many people report feeling confused, scared and emotional after their heart attack and are often concerned about having another event or even dying.

A Heart Foundation survey of 400 heart attack patients reveals many weren’t given resources to help them understand their condition or support their recovery when they left hospital.

“If you’ve had a heart attack, you are at a much greater risk of a repeat event.”

Despite the heightened chance of suffering a repeat episode, nearly one-infive were uncertain about how to safely manage their lives when discharged. A further 27 per cent weren’t provided with material that might have enabled them to overcome the challenge. The foundation’s general manager of health Bill Stavreski says patients often

“A heart attack is a confronting, lifechanging experience,” he said.

Mr Stavreski says survivors often need to make significant lifestyle changes but can’t do it alone. To help them feel empowered, connected and understood, and to avoid ending up back in care, the Heart Foundation last year piloted My Heart My Life in partnership with 38 hospitals. The free, six-month national program, which offers practical advice to help people understand and manage their health following a heart event, has so far attracted 5000 participants.

Also available to family members and carers, it provides booklets about attacks and angina that discuss risk factors, as well as the importance of attending cardiac rehabilitation and taking prescribed medications. The program is open to patients from the moment they enter hospital or after their return home. In partnership with Westmead Applied Research Centre, regular educational texts are sent to participants, along with emails linked to Heart Foundation resources like fact sheets, videos, walking plans and recipes. Of more than 200 people who have completed My Heart My Life 80 per cent have reduced smoking, 84 per cent have undertaken regular blood pressure checks and 67 per cent have had regular cholesterol checks. Seven-in-10 have upped their level of physical activity, 64 per cent have lost weight, 84 per cent have improved their diet and 69 per cent cut down on alcohol.

DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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How a CFO can Transform your Business BOOKKEEPER By Neha Nayyar

No matter how small your business may be, having a CFO can transform your business. Over many years in the industry, the three biggest challenges I see small to medium businesses face are cash flow, time management and growth. By engaging a professional who is solely focussed on the finances of the business, you can focus on the other core areas of the business whilst the finances are taken care of. What is a Virtual CFO? A Virtual CFO is a Chief Financial Officer who provides the services of a CFO but instead of delivering those services as a salaried employee, a virtual CFO works remotely and would usually be providing this service to several businesses concurrently.

•

• •

•

You instantly gain their experience and insights into small to medium businesses to be able to provide solid advice to your business. You can be assured that your finances are being handled by a skilled professional You don’t have the full cost of hiring an employee. Traditionally, CFO’s are executives who outrank managers and directors, and have a salary to match their executive title. You have someone proactively managing the finances at all times.

What are the Benefits of using a Virtual CFO: •

VCFO services are customised to your needs and budget, it is not a ‘one size fits all’ scenario.

•

Confirm with them your expectations, their expectations and put these in writing. Obtain upfront all fees and charges so you have full transparency.

Having the confidence to make more informed financial decisions about your business is imperative for your businesses ongoing success. You can have the benefit of a high-level finance resource without breaking the bank. So many businesses happily outsource web design or marketing, so why not get a finance expert to assist you in transforming your business and setting you up for ongoing success. At Sum and Substance, we offer virtual CFO services, to find out how we can help you transform your business, 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.

Why would I use a Virtual CFO? Currently, there are more facts, figures and data available than ever before. A Virtual CFO will thoroughly analyse this regularly and provide you high level, strategic guidance. A VCFO provides insights on your businesses performance and operational advice based solely on your real time financials and business intelligence. They can provide strategic leadership behind the scenes, empowering business owners to make sound and informed decisions. A VCFO can help you set targets, allocate capital, manage productivity, assist with pricing, assist with debt and identify opportunities.

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What Should I Consider when Hiring a Virtual CFO? •

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Be sure to find out what their availability is, how much of their time are you paying for per month/ year etc. Check their credentials and testimonials. Start with verified online reviews such as Google.

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

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DECEMBER 2021 | FIND YARRA RANGES

Kick Start your Business with an Advantage SIGNAGES By Glenn Martin

Right now, as we are all resetting to a new normal, it is imperative to stand out from the rest, and let the community know you are open and ready for business. At Signarama, we understand the value of creating quality signage to promote your brand and drive sales. We have worked with many well-known national and international brands across a wide range of industries. From A-Frames and Flags, through to large format print, banners, vehicle graphics, illuminated building signage and much more, our team of experts will help you create eyecatching and effective signage solutions to suit your brand and budget. A-FRAMES A-Frames are a popular form of freestanding signage due to their durability, mobility, customising options, and versatility as a sales tool, for indoors and outdoors. Interchangeable corflute or composite panels are a great solution when you need to change your signs often. You might want to add a chalkboard, or whiteboard section, so you can write your own messages. Standard sizes are 450mm x 600mm, 600mm x 900mm, and 900mm x 1200mm.

FLAGS A popular and effective signage option for both indoors and outdoors, flags are printed through dye sublimation on fabric material for maximum durability. They are lightweight, easy to assemble, portable, weather resistant and can be single or double-sided. Our most popular flags are Feather and Teardrop. Feathers are great for their movement in the wind, while Teardrops stay taut and offer a focal point. Customised flag shapes, poles, grass spikes and other bases are all available depending on your application. FLOOR DECALS Transforming your floors into an advertising space, floor graphics are

Feather Flags

Teardrop Flags

Blade Flags

gaining popularity in shopping centres, trade shows, airports and high traffic areas for brand awareness, wayfinding, safety signs and promotions. Our graphics are printed in full digital colour onto a self-adhesive vinyl with anti-slip and scuff resistant laminate on top. The vinyl we use will depend on how long you need the graphic for. UV and graffiti protection can also be applied. We can die-cut to any custom size or shape. The floor should be a smooth sealed surface, like painted concrete, tiles or laminated floors.

Hanging / Block Flags

Penant Flags

Wall Flags / End Signs

around your space. All our vinyl barriers are sail tracked to frames with a choice of single or double interlocking feet. The frames are steel powder coated 50mm square or round tubing, and come in a range of colours.

CORFLUTE SIGNS Corflute can be thought of as plastic corrugated cardboard. Suitable for both indoor and outdoor use, corflute signage is a cost-effective solution for advertising or informational signage. Popular with real estate agents, sporting clubs, construction sites, and event organisers. It is easy to handle and set up and can be cut to any size to suit your requirements. You may also choose to have eyelets to easily attach the signs with zip ties. Corflute can be printed in full colour on one, or on both sides. They can be finished with UV and weather resistant vinyls for that added protection.

Reach out today to book a free consultation from one of our signage experts, and ensure you get current promotions by following us on Instagram @Signarama_Mitcham With many years’ experience in this field, Signarama are able to work with you to design, manufacture, install and help you maintain your signage, offering innovative solutions to all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, visit our website or simply call 1300 633 902 to get in touch with our expert team today.

CAFÉ BARRIERS Our barriers are sturdy, lightweight, and easy to set up. Designed to be weather resistant, they complement other outdoor promotional signs, providing branding consistency and a neat boundary

Glenn Martin mitcham@signarama.com.au www.signarama.com.au/store/mitcham DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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Getting Ahead Omicron By Warren Strybosch

Australia is not planning to stop Omicron variant from entering the country, instead they will try to get ahead of it by slowing down its spread, according to the leading health officials. Chief medical officer Paul Kelly announced at a senate inquiry examining COVID- 19 that there were already infected people in the country with Omicron. Ten cases were acquired from overseas and 17 cases were locally. None of these cases, however, showed any symptoms of severe illness and no one was hospitalised except for a sevenyear-old from NSW. Recently, Professor Kelly told the Senate committee “At this stage, there are no definite signals anywhere in the world that Omicron is more severe than other variants that have preceded it, but we are watching closely.” He also added that “It’s clear this is not the last variant.” He also mentioned that there was no evidence to suggest a specific vaccine would be used to deal with Omicron

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variant and that there was no need to bring forward the booster shot program. The majority of Australians will be eligible for the booster shot from March of next year. By the end of January, more than 4 million people will be eligible to take the Booster and by the late May this number will increase to 17 million. For these millions of eligible people, LieutenantGeneral John Frewen, the head of the vaccine rollout, said that there would be more than enough supply of vaccines for boosters in the coming months. He also said that “I certainly think primary care will be the backbone, but we are in constant negotiation with the state and territories as to what role they can play”. Thus, GPs and pharmacies would be the key rivers of the booster rollout. Already, Australians are receiving the booster letter from the Government encouraging everyone to take their booster shots. It is purported that Australia has purchased enough booster shots to enable everyone to have at least 6 shots each.

Soon, children from ages 5 and up will be able to take their first vaccine shots as well. It seems the government is keen to get everyone, regardless of age, to take the vaccine. To encourage the take up, the government, state and federal, are applying pressure on the unvaccinated by withdrawing much needed services e.g., elected surgery, to ‘encourage’ them to get vaccinated. The unvaccinated are already feeling the pain of not being vaccinated, with many losing their jobs and being restricted from attending social events. There are already discussions amongst the unvaccinated of setting up unvaxxed communities whereby those who are not vaccinated can go and live with other unvaxxed people. We are living in unprecedented times and only the future will decide whether or not we did the right thing or not.

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DECEMBER 2021 | FIND YARRA RANGES

How to Survive Christmas with a New Baby LACTATION CONSULTANT By Dr. Joanna Strybosch

Anticipating your baby’s first Christmas is really special and everyone loves it when there’s a new baby in the family at Christmas time. However, as is often the case in situations that are emotioncharged, there can be a reality gap... where the expectation and the reality don’t meet. In order to set yourself up for a more realistic and happy Christmas Day, consider the following tips: 1. Work out where your baby is going to sleep on Christmas Day. If you’re planning to spend time in someone else’s home on Christmas day, it will pay dividends to have a good preemptive think about where your baby will take their naps. Whilst there may be a house full of willing relatives prepared to nurse, rock and cuddle your baby non-stop, this will only work for so long. Eventually your bubba will become overstimulated and exhausted from all that handling and at some point you will have to extract your baby from grandmas arms and find a suitable sleeping place. Ideally you’ll need the use of a quiet room, away from the hustle and bustle of the Christmas festivities, with either a bed for you to both lay down on, or a cot of some description (porta-cots can be great option and tend to work better than a pram in scenarios like this.) And just remember that an over-tired baby is even more difficult to get to sleep, so don’t be tempted to give in to requests to keep the baby up past her nap time. Unless the same well-meaning relatives are willing to settle your baby to sleep when she’s a crying, exhausted mess! Be firm and leave the room before your baby is over-tired, which is likely to be sooner than you think with all the extra stimulation going on around them.

2. Better still, have Christmas at your house In the end, it may just be the very best decision to have everyone come to your house this Christmas. After all you’re the one with the new baby. The benefit is that your baby can nap in their normal sleeping environment and you don’t have to lug all of that extra gear with you and set it up in someone else’s house, when all you really want to do is relax

and enjoy the gathering. That doesn’t mean that you do all the cooking either! Make sure to delegate when it comes to who’s bringing what food and accept all offers of help. Especially help with washing dishes and cleaning up afterwards.

3. Have realistic expectations Chances are your baby’s first Christmas may not go exactly as you hope it will. Your own stress levels will probably be running higher, you may be extra tired, your baby may not have slept the night before, and you may have a long car trip before you get there. And if your baby was born during Covid they are probably about to see more people in one day than they have done on any other single day in their life. Expect them to find it overwhelming and expect to find it tiring yourself. Then, if things don’t go quite to plan, you can be kind to yourself and willingly let go of the expectations that you may have had for the day. Parenting is not picture-perfect. It’s hard work and it’s messy at times and that’s okay. Next Christmas your baby won’t be a baby anymore!

4. Enjoy yourself but go easy on the alcohol and plum pudding If you’re breastfeeding, just be mindful that what you consume, your baby does too. A lot of rich food or unaccustomed food can lead to fussiness later on. Better to not indulge in too much that varies

greatly from your usual food choices. And if you are planning to consume alcohol, you need to do so carefully around the timing of your feeds. It takes approximately 2 hours for a standard drink to leave your bloodstream and your breastmilk. That means you should not breastfeed your baby within two hours of consuming alcohol. The best time to have an alcoholic drink is just after feeding your baby so that you have as much time as possible for your body to break down the alcohol before your baby needs to feed again. It’s a really good idea to consider expressing a feed and taking it with you so that you don’t get caught out. Any milk you express whilst you have alcohol in your bloodstream is not safe for your baby and will need to be thrown away. If in the end everything goes to pieces and you end up with an over-tired baby who hasn’t slept or fed well all day, just remember you can start again tomorrow. Be grateful for the time you’ve had with your loved ones and for the gift of your new baby and take some photos to remind yourself of your baby’s first Christmas. You’ll be glad for the memories in years to come.

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com

DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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The Rise, Fall and risks of Cryptocurrency By Warren Strybosch

Graph: Bitcoin falls in early December

In early December the crypto market saw a staggering $570 billion wiped off the crypto market due to fears of further ATO and government intervention. Bitcoin dropped down by over 16 percent with most other coins following its lead. The drop took Bitcoin below $62,000 and back to October pricing. In early November Bitcoin was valued at over $94,000 and this drop reduce that price down by 30% from November pricing. What was interesting is that the drop to below $62,000 took only 60 minutes. Blink and you miss the opportunity to buy at that price. It only took a couple of days for most coins to rebound back to their pre-fall price and Bitcoin, once again, starts its upward trajectory to a value no-one knows where it will end. Why did this occur? The reason is speculative at best, and one must wonder if the information was disseminated to simply cause fear amongst current investors with the sole purpose of trying to reduce the price so others with money could purchase these investments at a lower value. So, what was the news that was being spread around? It simply was greater regulation. However, this is old news so why has it caused such a flurry? We already know that the ATO is monitoring cryptocurrency platforms operating in Australia and that investors now must disclose their profits and losses in their tax returns. Others are speculating that the Fed will jump in and tie up crypto with red tape, making it harder to invest in this asset class. Others have gone so far to state that they believe Bitcoin will drop down to $14,000 in the not-too-distant future. Again, this seems so unlikely given crypto, whilst not new, is only really starting to get noticed by dad and mum investors and it is likely that as more of these punters enter this space, the price of crypto coins will only increase in value and not decease as some are led to believe, even if there is greater regulation. However, some commentors, like Tony Richards, who heads up the RBA payments, believes there might be crash in crypto soon, especially if the central banks try to intervene.

Source: Coinspot

“I think there are plausible scenarios where a range of factors could come together to significantly challenge the current fervour for cryptocurrencies, so that the current speculative demand could begin to reverse, and much of the price increases of recent years could be unwound,” he told the Australian Corporate Treasury Association in November. Whilst no one really knows where the price of Crypto currency is going to be next week or next year, every investor needs to be aware that investing in crypto currency is high risk and the possibility of losing all your money could happen. This was only too real for investors who had their money invested with Blockchain Global Limited, a Melbourne based company, that has recently gone into administration. Blockchain Global Limited operated a cryptocurrency trading platform called ACX and had been managing millions of dollars of investors’ money in crypto coins. In February 2020, the platform stopped working leaving many investors high and try and the company owing over $21 million to creditors. What makes matters worst is that the

administrators are trying to obtain a laptop owned by one of the overseas directors which was holding the credentials required to access the crypto wallet holding all the investors’ money. Apparently, the laptop was stolen from the director at a China airport. I am not sure about you, but if I had the only laptop holding the credentials to a crypto wallet holding millions of dollars of other people’s money, I would not let that laptop out of my site. One must question the validity of the statement made by Mr Yeo regarding Mr Allan Guo, who was in possession of the laptop at the time it was allegedly stolen in China. With all of China’s security, it is surprising they have not been able to track down the missing laptop. This collapse highlights the challenges of getting access to investors’ crypto money when the credentials are stolen or go missing. It is unlikely these investors will see all their money returned to them. Cryptocurrency is designed to be difficult to trace, which has made it popular for those involved in criminal activities, including drug dealing and money laundering. This collapse is likely to be one reason why we will see more regulation in this space.

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DECEMBER 2021 | FIND YARRA RANGES

Why Should You Use a Mortgage Broker?

MORTGAGE BROKERING By Reece Droscher

It’s time, time to take control of your finances and stop paying Loyalty Tax to the bank. You want to refinance your home loan to get a better rate, but where do you go? The bank down the road looks like they have a good rate but you’re self employed and had heard it was difficult to get a home loan. You may be right, but how do you know that you’re getting the best option available to suit your needs? That’s how a Mortgage Broker can help you. Finding A Lender To Suit You A Mortgage Broker can help you filter out the Lenders that don’t suit your personal situation. Asking your friends or on a Facebook group will only provide you with the lender that is right for that person, and it probably only suited them at the time they applied. If they were to apply again six months later, they may find they are better off with a different lender altogether. Each Lender’s credit policy is different and while one lender may be happy to lend to the self-employed, others prefer PAYG. Some will lend for properties in regional areas, others only suburban. Time or Features – what’s more important?

Time can also be a factor when deciding which lender to go to. If you are looking to purchase a house, you may need a lender that is approving loans quickly. If you are refinancing, that may not be an issue and having the right rate and product features is more important. Mortgage Brokers are in touch with the lenders every day and know which ones are fast movers and which ones are taking a bit longer. Fast Refi If you are refinancing and time is of the essence, after all you want to be paying the lower rate as quickly as possible, there is a product called Fast Refi. Often it is your current lender that can hold up the process and delay settlement meaning they get to receive your repayments a little longer. Lenders who do Fast Refi bypass asking your current lender to transfer the title of your property before releasing the money to pay out your current loan. They simply pay the money and then go after the title. Not all lenders have this option but your Mortgage Broker will know. Medical Practitioners/Professional Packages Did you know that if you are in a certain occupation, some lenders will offer you extra benefits? Things such as no Lender’s Mortgage Insurance on loans over 80% LVR or no fees. Some of these

occupations include Doctors, Nurses, Paramedics and Dentists as well as Financial Planners, Accountants, Lawyers and Vets. If you think you might be eligible for this type of loan, a Mortgage Broker will know which Lenders offer this. BID – Best Interests Duty Mortgage Brokers are required to always put your needs first and to consider each loan based on your personal requirements. This means you can be confident that, even in the long term, the loan you get will be in your best interests and will have taken into consideration your current plans as well as future ones. If you simply walk into a bank, even if they know their product isn’t the best one for you, they can only offer you their product, which could cost you dearly. As a mortgage broker we act in your best interests. A lender has no obligation to do so. At SHL Finance we have always acted in our clients’ best interest and would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 or Jodie Moore 0402 513 213 should you want to discuss your finance requirements.

Reece Droscher Mortgage Broker SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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Labor has a very short memory: To win votes they will scrap the new education requirements placed on financial planners.

By Warren Strybosch

This would have to be one of the most frustrating announcements I have heard from Labor. Labor has provided no help to financial planners and pretty much has supported all recommendations laid down from the Royal Commission which has led to the demise of the financial planning industry. Prior to the Royal Commission there were about 33,000 financial planners in Australia and since the Royal Commission, we have seen those numbers drop down to an alarming 18,500 and it is predicted those numbers will fall below 15,000 in the next few years. At every turn, when financial planners were seeking support from local MP’s, most Labor MP's believed that financial planners deserved everything they got. They were in support of all the recommendations from the Royal Commission. Not only have many financial planners left the industry but the mental and financial toll has been huge on many financial planners who run their own small businesses. Nobody has really talked about all the suicides that have occurred; the loss of family homes, and the mental illnesses that many financial planners have suffered with over the last few years. Has any other industry lost nearly 50% of its profession in such a short period of time?

Don’t get me wrong, I think the financial planning industry had to have a shakeup. It was long overdue. The result hasled to an industry that was once looked down upon to now a profession that now has some respect amongst other professionals and is finally, amongst the community, starting to be seen as a more trustworthy profession to deal with. Even accountants, who thought financial planners were no better than the stuff they would wipe off their shoes only a few years ago, now have a respect for anyone who is able to remain a financial planner since the Royal Commission. Many accountants are giving up their limit financial planning licences because it is all too hard and costly to remain in this space.

What about all those financial planners who have worked hard to obtain their necessary qualifications? Many financial planners have already completed their bachelor’s degrees or gone further and obtained post grad qualifications. How will they feel if Labor scrapes the requirements? What do you think? Should the financial planning profession allow existing advisors to remain in the industry if they only have a diploma?

Now, we have Labor coming out and stating that they will scrape the education requirements for existing financial planners. They are stating that anyone with 10 years’ experience in the industry should remain and should not have to obtain the necessary degree or education requirements to remain in the profession.

I personally think that people in Australia want to know that financial planners have at least a bachelor’s degree. For Labor to scrape this education requirement is nearly surmountable to them saying they don’t care what has happened in the past; that they don’t care that people lost their money to ‘salespeople’ who had little or no qualifications and were only in the industry to sell you something. I think Labor has a very short memory. It was not so long ago that the profession had to be clean-up, but Labor seems to want to take us back to the dark ages of financial planning – all to win a few votes.

So, Labor wants to go back to a standard that was sub-par at best and keep people in the profession who likely only did a weekend course to obtain their diploma. Do we really need to have another Royal Commission in the future simply because Labor wants to try and win a few votes?

Do you think a profession like financial planning, that deals with complex issues and people’s money, should have people working in it who have only Diplomas? Wouldn’t you rather know that the minimum standard for all financial planners is a bachelor’s degree?

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DECEMBER 2021 | FIND YARRA RANGES

Take the Journey...Love is all you need! PARENTING By Lesley-Anne Banton

Over the last 5 years I have worked with men and women who have wanted to go on the journey of self-discovery and self-development. Some have started the journey because they have some emotional pain somewhere in their life. Some have started the journey because they knew there was more inside them, they had had not yet discovered or taped into. Some have taken the journey because they have felt like they do not fit in anywhere and or they are misunderstood and in fact do not fully understand themselves. There are those who have seen and experience trauma. There are those that have taken the journey because they want to enhance the life they have, expand, and enhance their thinking about themselves and the world around them. And there are those who have taken the journey because of their children wanting to be a better version of themselves for their children. All have entered the journey because of LOVE, either the absence and wanting of self-love or because of the love they have for themselves and those around them. Their intention comes from a place of love, all have been motivated by love even when there’s extreme emotional pain.

incredible, empowering self-loving journey I have ever taken, it has turned into an adventure. I don’t know what I am going to find, see, acknowledge, embrace or feel deep gratitude for next.

For those who have it is life changing, I am not just saying this as a coach but as a person who has taken the journey myself and is still on the journey. There are times in my journey I wanted to bail out, there are times when I have reflected on self, my thinking and events in my life that were so painful to revisit yet the lessons and the empowerment from allowing myself to go through and seek to change has been so worth it.

What I know to be true is that no matter the adventure an individual has taken and no matter how much pain or challenge they encountered they also encounter growth, change, and ultimately love, self-love. They learn to fully love all aspects of themselves, they learn to breakthrough old and limiting thinking, they break old dysfunctional patterns that no longer serve them in the life they want to create for themselves. They learn that no matter what they have gone through they have gotten to this point in their lives and are succeeding (whatever that means or looks like to them). They get to see and reach the potential that was always within them and be reunited with incredible internal resources that they had forgotten they had or had lost sight of along the way. They get to be the whole loveable them that they were born to be, dropping any roles that they had picked up along the way that were never theirs to begin with. They get to find their voice, discover their boundaries, and stand in their own truth of who they are not what they think others want them to be. They discover they can create the life that they have always wanted without guild or shame and celebrate themselves for ALL of who they are and so much more.

Taking the journey of self-discovery, exploration and development is the hardest, painful, uncomfortable yet

Deciding to take the journey, challenge your thinking and what you know is open to everyone, there is no prerequisites and

Many opt to stay safe and in the emotional place they know so very well, and that’s ok. Others believe it’s all mumbo jumbo and pointless and the pain of self-exploration and development is so confronting and traumatising that they choose to never take the journey. And this is ok. It is a deeply personal choice and opinion to take the journey or not.

it’s not exclusive. It is simply a choice. There are so many inexpensive resources out there that can help start your journey, books, audiobooks, podcasts, social media, youtube, the internet and local libraries, anyone can start the journey and you get to choose how fast, how wide, and how deep you take your personal journey. There are coaches like me that can assist you and fast track your growth in a safe supportive manner and space, this is usually a lager and ongoing investment than buying a book or listening to a podcast. The gift in the journey is love, self-love and so much more comes from that and can be achieved from that, I have been honoured and trusted to hold many in a safe place as they gave themselves the gift of being who they were born to be. I could make comment to the gift you give others as a ripple effect of to stepping out on the journey, however, this is a wonderful by-product yet the love and joy you find within is even more than that. Give yourself the gift of love, take a small step on the journey, dip your toe in the water, expand the love and understanding you have for yourself. You are worth it.

Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418

DECEMBER 2021 | FIND YARRA RANGES

FIND YARRA RANGES | DECEMBER 2021

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New super laws coming into effect soon will make it easier for you to top up your super/pension prior to age 74 – even if you have already retired. FINANCIAL PLANNING

FINANCIAL PLANNING By Warren Strybosch

If you have already retired and set up your pension but have come into some additional funds e.g., inheritance, there are some changes to the superannuation laws that may help you get those funds into super to benefit you in your retirement. There are limitations as to how you can place funds into superannuation. One of those limitations relates to your age and work status. Currently, you must be below age 67 to avoid the ‘work test’. Anyone below age 67 can place additional funds into super and take advantage of the bring-forward rules. However, if you are over age 67, it starts getting harder. For those over age 67, you must prove that you are gainfully employed to meet the superannuation work test. The work test requires you to be in paid work or gainfully employed (that is employed, or self-employed for gain or reward) for a minimum of 40 hours over a consecutive 30-day period during a financial year, before you're able to make voluntary super contributions. Unpaid work, volunteer work, working for a charity is not considered gainful employment. Also, receiving money from shares, investments, or income from a rental property, is unlikely to be accepted as paid work as these earnings are derived from passive income sources. You must be remunerated for the personal services you are providing

via salary, business income, bonuses, or commission. Also, the employment arrangement must be full documented and declared for income tax purposes. Very soon, the bill – titled the Treasury Laws Amendment (Enhancing superannuation outcomes for Australians and helping Australian businesses invest) Bill 2021, will be passed through the senate. It is the legislative outcome of the package of superannuation reforms announced in the 2021 Federal budget that is designed to give older Australians, including self-funded retirees, greater flexibility to contribute to their superannuation and access their housing wealth. One of the changes introduced in the bill, will be the increase in age regarding the work test. When the law passes, from July 1, 2022, individuals aged 6774 will no longer need to meet the work test when making non-concessional superannuation contributions. Individuals will be able to access the non-concessional bring-forward arrangement (subject to meeting the relevant eligibility criteria) prior to turning 74, an increase from age 67. Access to concessional personal deductible contributions for individuals aged 67-74 will remain subject to meeting the work test. These changes are great for those already retired and below age 74. It will provide them with the opportunity to place more funds into super; someone with a total super balance of less than

$1.48 million will be able to contribute the full bring-forward amount of $330,000 in one hit. Note: The $14.8 million relates to the bring forward rule and is different to the general Transfer Balance Cap (TBC) of $1.7 million as at 1st July, 2021. If you are over age 67 with money sitting in the bank or you have recently received an inheritance, have less than $1.48million in super, then consider speaking to your financial planner about placing further funds into super for your retirement needs. This information is current as at December 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 been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

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DECEMBER 2021 | FIND YARRA RANGES

Expectations Versus Reality GENERAL INSURANCE By Craig Anderson

There are questions that have only a yes or no answer, and you will find some of these types of questions on your insurance renewal forms. For a Home and Contents policy, the question may be, “Is the property in poor condition or poorly maintained”, to which everybody invariably answers “No”. This may not in fact be true, and you may be unaware you are misleading your insurer. For example, if you have a valley iron on your roof which is not visible from the ground and it is full of debris from an overhanging tree, or have cracked tiles, missing bedding, or loose flashing etc. then you have not maintained your house properly like you promised. As you have already sworn to the insurer as part of the legal contract of insurance that you do maintain it, you may have a claim rejected when the cause of a claim is determined by the assessor to be poor maintenance. Sudden and unexpected ingress of water due to storm damage should be covered, but if the main contributing factor that created the claim is poor maintenance, then do not be surprised if the claim is declined. So how much should you reasonably

be expected to know as a homeowner? The answer may vary, but good practice would have you (or your competent tradesperson) maintain anything that can be accessed even if out of sight. Typically, destruction caused by animal, bird, insect, vermin or rodent eating, chewing, clawing, pecking, nesting or soiling in a single incident or over a long period of time is excluded. This means you should be doing your best to prevent this from occurring, as the insurer will not be footing the damage bill. Regular pest inspections and treatments are a great way to prevent and treat serious infestations. Given that the price of replacing a house is in the hundreds of thousands and the cost to spray for termites is often below one thousand it seems like a good deal to me. Termites also like damp ground, so maintaining good stormwater drainage and keeping your sub-floor dry is a good thing to do. Preventing water saturation around footings, stumps, and slabs can avoid subsidence and heaving too, which if caused by blocked and broken drains over time, will not be covered either. Sudden and unexpected pipe ruptures are mostly covered, but years of seepage would not be. So ensure your stormwater, sewer, and mains water systems are checked and if necessary repaired before serious damage occurs.

Your policy is not a “cure-all” or “Magic Bullet” so you should understand the extent to which you are covered, and act accordingly. Policies vary depending on their type and the insurer who issues them, so do not assume anything, and if you need clarification (after reading the PDS) ask the provider who sold it to you to provide it. For a “health check” of your business insurance, contact Small Business Insurance Brokers via email sales@ smallbusinessinsurancebrokers.com.au 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

DECEMBER 2021 | FIND YARRA RANGES

2021 TA Temporary Full Expensing of Depreciation Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset

Announcement (6-Oct-2020)

write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any

Consultation (6-Oct-2020)

value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Since the legislation has been enacted, further amendments will be made to the laws to allow businesses a choice in using full

Intoduced (7-Oct-2020) Passed (9-Oct-2020) Royal Assent (14-Oct-2020 Date of effect (6-Oct-2020)

expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. Also, certain large entities will have separate eligibility criteria.

Accelerated Depreciation via Backing Business Investment Businesses with less than $500 million in aggregated turnover can accelerate depreciation deductions for new assets in the 2019-20 and 2020-21 income years. Accelerated depreciation rules for these entities have subsequently been superseded by new ‘temporary full expensing’ legislation in November 2020. However, the option to use accelerated depreciation continues. Accelerated depreciation is available for assets in the first year the asset would ordinarily claim a deduction. In the first year a deduction is allowable for 50% of the installed cost of the asset plus regular depreciation rates for the remainder. The Backing Business Investment measures are in concert with the extension of the instant asset write-off.

Announced: 11-Mar-2020 Updated: 7-Dec-2020

However, it may only be relevant for some clients until 6 October 2020, when the full expensing regime commenced. Small businesses using pooling can use a 57.5% write-off for assets purchased after 12 March 2020 that do not qualify for immediate write-off in the 2019-20 income year. Small business entities are also covered by the new full expensing legislation.

Instant Asset Write-off - COVID-19 Tax Stimulus Package The instant asset write-off will be available for the majority of businesses during some part of the 201920 and 2020-21 income years. For purchases between 12 March 2020 and 6 October 2020, businesses under $500 million in turnover can get an immediate tax deduction for assets costing less than $150,000. In the purchasing time frame, the asset needs to be first used or installed ready for use by 30 June 2021. In the legislation, the update also extends to the low value pool for the 2019-20 income year. An entity with a small business pool balance of less than $150,000 will be able to write off the entire balance (up

Announced: 11-Mar-2020

from $30,000). For the 2020/21 income year, general small business depreciation pools may be written

Updated: 7-Dec-2020

off in full in accordance with the full expensing rules. The government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgment of the tax return. Subsequent legislation introduced into parliament will allow businesses an option of using the instant asset write-offs or to depreciate new assets over their effective life.

Payment Times Reporting Scheme The Payment times reporting scheme is commencing 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large business. In the publicly available report, information about how quickly a big business pays a small business for goods and services is delivered. This can provide a small business a snapshot regarding how quickly they

Announcement (10-Oct-2020) Intoduced (13-May-2020) Passed (6-Oct-2020)

could expect payment for work with a big business, which may help decision making. Small businesses

Royal Assent (14-Oct-2020

also will have the option of opting out from the reporting scheme. This will mean that their identify as a

Date of effect (1-Jan-2021)

small business will remain unknown to a big business throughout the relationship.

AX UPDATES Corporate Residency Test to Change for Foreign Companies A ‘significant economic connection to Australia’ test is a rule proposed to be added to Australian tax

Announcement (6-Oct-2020)

residency for foreign incorporated companies. Announced in the 2020 federal budget, this measure

Consultation (6-Oct-2020)

draws on a key recommendation of a Board of Taxation report into corporate residency. The new test

Introduced

will be applied to foreign incorporated companies prior to determining the central management and

Passed

control test. As part of the announcement, foreign incorporated companies will be required to pass

Royal Assent

both tests to have their worldwide income taxed in Australia.

Date of effect

Small Business Entity Threshold to Increase Many more businesses will be eligible to access income tax concessions with the passing of legislation which extends thresholds currently reserved for small businesses. These concessions include: •

immediate deduction of certain start-up and prepaid expenses

•

exemption from FBT for car parking and work-related portable devices provided to employees

•

access to simplified trading stock rules

•

access to PAYG instalments based on GDP-adjusted notional tax

•

settle excise and excise-equivalent customs duties monthly, and

•

businesses will have a two-year amendment period to apply to income tax assessments for income

Passed (9-Oct-2020)

years starting from 1 July 2021, excluding entities that have significant international tax dealings or

Royal Assent (14-Oct-2020)

particularly complex affairs.

Date of effect

Announcement (6-Oct-2020) Consultation Introduced (7-Oct-2020)

A business will be eligible to access these concessions if their aggregated turnover is less than $50 million. Mostly, the change in aggregated turnover threshold will take place from 1 July 2021, with different dates to line up with the FBT year. Also, the eligible entity can access the simplified accounting method determination for GST purposes from 1 July 2021.

WA COVID-19 Stimulus Package A range of stimulus measures are being implemented in Western Australia to assist business with cash flow issues resulting from COVID-19. In particular, certain businesses in WA will receive grants, while others Announcement: 17-Mar-2020

will be allowed a waiver of payroll tax for four months. A payroll tax exemption has been extended for

Updated: 23-Dec-2020

new apprentices and trainees in the 2020-21 income year. Also, the future uplift of payroll tax thresholds will be brought forward to assist some businesses with their future obligations.

ACT COVID-19 Stimulus Package Starting in March 2020, the ACT government has announced a series of measures which provide waivers or deferrals of payroll tax. These waivers and deferrals are an attempt to combat the economic fallout Announcement: 22-Mar-2020

from the COVID-19 pandemic. Waivers of ACT payroll tax are available for businesses in hospitality,

Updated: 23-Dec-2020

creative arts and entertainment industries. Deferrals are available for other small and medium-sized businesses. Initially lasting 6 months, some of these assistance measures have been extended into 2021.

FBT Exemption for Retraining and Reskilling Proposed An employer may receive a future exemption from fringe benefits tax when providing employees with retraining or reskilling opportunities. This 2020 federal budget announcement will take affect from 2 October 2020, subject to the passing of legislation. The government has also released a consultation

Announcement (6-Oct-2020) Consultation (22-Jan-2021) Introduced

paper with respect to possible changes to the self-education deduction section for individual taxpayers.

Passed

These measures may provide a tax incentive for employees to change careers, in particular if they are

Royal Assent

about to be made redundant.

Date of effect

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Yarra Ranges Council Fire Slash Program Continues Council and contractors are cutting roadside grass to cut back winter growth, as part of its annual Fire Slash program. The program, which runs every year from October through December, involves cutting grass on more than 800 roads across the Yarra Ranges. The wet winter and spring over 2021 has resulted in extensive grass growth and wet ground, making access to some roadsides difficult. Council’s Parks and Bushland Team monitor each site for access, organising slashing when the ground conditions permit. Some roads may be cut later than their scheduled time due to unforeseen weather conditions. Yarra Ranges Mayor, Jim Child, said that wet weather since winter had prompted a significant amount of grass growth.

“We’ve had very significant levels of rainfall over winter and early spring, which has left us with extensive grass growth right across Yarra Ranges,” Cr Child said.

“Our teams are continuing their work, moving through the schedule and responding to community requests.

Cr Child encouraged community members to make the most of their green waste bins, local waste transfer stations and their hard waste and bundled branches collections (coming to the region over January-March) to keep properties fire-ready.

“Drains and road shoulders on rural roads are a particular focus for us – some nature strips and drains will be slashed as part of the program, to ensure sight and safety for drivers, and that drainage remains clear.

“We all have a part to play in preparing for the fire season and minimising the risk of fire spreading,” he said.

“Ahead of the fire season, you’ll see an increase in mowing as you travel through the region. Please be understanding as we continue this work and navigate the difficulties of the wet summer ahead.” Council’s regular mowing programs in parks, reserves and townships is continuing, ground-conditionspermitting, aiming to be on top of the program early in the new year.

“This doesn’t have to be a colossal body of work, though – regularly mowing grass, picking up sticks, branches and leaf litter, mowing your nature strip and keeping a good clear area around your home can all help to reduce the risk of grassfires starting and spreading. “Visit yarraranges.vic.gov.au/ fireprep for more information on preparing your property.”

Council News Storm Debris Creates New Reel Estate For Fish A collaborative effort by Yarra Ranges Council, Bushfire Recovery Victoria and Victorian Fisheries will see close to 40 enormous snags in the form of tree stumps and root balls replenished into Rivers around the Goulbourn and Glenelg area, and at a Shepparton native fish hatchery. The root balls, or snags as they’re commonly called by fishers, will provide extra habitat for native fish, including the Murray Cod and Golden Perch. Since the June storms, Council has collected more than 31,000 tonnes of wood, stump and branch debris. Of the collected material, 17,700m3 of mulch has been re-distributed to the community. Some of that debris has remained at processing sites due to its unsuitability for milling and Council has worked with other agencies to identify how they can be used most effectively. This collaborative approach led to an agreement between YRC, BRC and Victorian Fisheries whereby root balls that

would otherwise require additional costly processing to turn into mulch, could instead be effectively utilised for native fish habitat.

sustainable native fish community, resulting in benefits not only to the loca l environment and waterways but to recreational fishers.

Some of these repurposed snags will also be used at the Victorian Fisheries Authority’s new native fish hatchery near Shepparton, where thirty-two ponds will be built to grow newly hatched native fish that will eventually be released into waters across Victoria.

Yarra Ranges Council Mayor, Jim Child said that Yarra Ranges Council is excited to be working with BRV and Victoria Fisheries on this project.

“While the loss of trees during the storm is sad, reusing root balls and stumps which were too big to mill and produced poor Once in the environment these root balls quality mulch is good for conservation, will increase breeding environments, good for healthy waterways and good add natural food sources and create a for recreational fishing.”

the municipality has increased the amount of work needed to clear roadsides.

Update On Tree Clean Up Works From Storms Council is continuing to work through the unprecedented volume of tree clean up requests across Yarra Ranges following the storm events on 9 June and 29 October.

Council's Parks and Bushland team and contractors have been working tirelessly on the clean-up, and while great inroads have been made, the most recent storm and the large number of fallen trees across

Council has been prioritising tree safety and emergency works, and as a result, residents will continue to see tree debris along roadsides and in parks and reserves for some time. Clean up works are anticipated to continue into early January. Council thanks the community for their patience while it continues to work through clean-up requests as quickly as possible.

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Information Regarding Blackberry Spraying On Roadsides And Public Land Council is urging the community to not pick or eat blackberries while it sprays them during their growth period (between now and April), to limit the spread of the noxious weed. Council, private landholders and other agencies are required to target and limit the spread of blackberries under the Catchment and Land Protection Act 1994. Council has a small window of opportunity to treat the weed to get the best results, with the plant then being dormant for the rest of the year during cooler months. The spray that’s used is heavily-diluted, with no scientific evidence showing an impact to animals that eat the berries. Despite this, Council still urges the community to not consume the berries just to be safe.

Blackberries are recognised as a Weed of National Significance (WoNS) in Australia due to its high degree of invasiveness, its aggressive spread, and its economic and environmental impacts. Blackberries can threaten agricultural and natural ecosystems by dominating other crops in its vicinity as well as natural vegetation.

Council’s priority is to treat the blackberries before they fruit from January-March, however some spraying occasionally needs to take place while the weed does fruit, due to rapid growth in the region. Advisory signs are in place at sites of spraying, and for any queries, community members can call Council’s Bushland Team on 1300 368 333.

Over the last 20 years, 27 children drowned in Victorian backyard swimming pools and spas. For every fatal drowning, there are about six more non-fatal incidents, with about 20 per cent of these resulting in long-term behavioural and learning impairment. Having up-to-date safety barriers can actively help to reduce the risk of a child getting into a pool area and drowning.

Information Regarding Blackberry Spraying On Roadsides And Public Land The State Government has extended deadlines, to give pool and spa owners more time to get safety barriers inspected and certified. First certificate lodgement deadlines for pools and spas are now 1 June, 2022 (instead of 1 November, 2021), with subsequent lodgement deadlines moved back to June, 2023 and June, 2024, respectively.

The State Government noted the challenges imposed by the pandemic as the reason for the deadline extension, along with challenges finding building practitioners to inspect and certify safety barriers, and fix identified non-compliant barriers. Find out more about registering your pool and spa, including Frequently Asked Questions, on our webpage.

A survey by the Victorian Municipal Building Surveyors Group in 2018 found that about 90 per cent of people surveyed had non-compliant pool and spa barriers, and that generally, owners had a poor understanding of the requirements they had to meet. In 2019, the State Government introduced the requirement for all pools and spas in Victoria to be registered and certified as compliant with safety regulations. Owners must have a registered building surveyor or inspector certify the continuing compliance of safety barriers every four years, under the State Government rules. Registrations will be at a capped cost, which will cover the cost to Council for implementing the registrations scheme. Find out more about registering your pool or spa here.

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DECEMBER 2021 | FIND YARRA RANGES

Storm And Pandemic Survey Helps Inform Recovery Plan Yarra Ranges Council is continuing its efforts to assist the community recover from the effects of the June storm and the COVID-19 pandemic, with responses from a recently completed survey to play a key role. That key role includes assisting Council to form the basis of a municipal recovery plan which has now been approved by Council for the next 12 months and can be found on council’s website. Conducted during September and October 2021, the Pandemic and Storm Impact Survey gauged the effects on residents stemming from the COVID-19 pandemic and June storms. Over four weeks, Council received 789 responses to the survey. The survey was broken into two parts, with the first assessing the impact from the COVID-19 Pandemic and second assessing the impact from the June Storm event. Pulse of the pandemic In relation to the pandemic, the survey found that 22 per cent of the community have not felt socially connected at all during the COVID-19 pandemic. 21 per cent of respondents said that the pandemic has had a major impact on their mental health. Hardship arising from the pandemic is impacting 32 per cent of the community

and 27 per cent reported that their financial situation is worse now compared with before the pandemic. June storms The June storm had a huge effect on the Yarra Ranges region with 88 per cent of the community reported being impacted by the 9 June storm event in some way. The survey results showed that a significant proportion of the Yarra Ranges community was directly impacted by the storm for up to 7 days with 52% affected by power outages, 53% by internet outages and 57% by mobile connectivity outages. Longer term storm impacts were also experienced by the community with 38% still affected by fallen trees and branches on roads seven days after the event. 15% had damage to their home and 3% had flooding on their property. The impacts were more than just physical with 11% of people reporting that they had experienced financial hardship as a result of the storm and a further 35% had experienced mental health trauma. As of September 2021, a significant proportion of the Yarra Ranges community reported ongoing impacts from the June storm event including power outages (5 per cent), internet outages (13 per cent), trees down in my street (24 per cent), dangerous trees on my property (35 per cent), large volumes of green waste (37 per cent), living in

temporary accommodation (6 per cent) and continuing to experience trauma / anxiety (32 per cent). Yarra Ranges Council Mayor, Jim Child acknowledged that the last two years had been tough, but that the survey results would help guide recovery funds to the most needed areas. “The survey results show the importance of maintaining strong community connections, with Council continuing to work in partnership with a range of agencies on initiatives to keep connected with those who may be feeling isolated or lonely at this time or experiencing financial hardship” Cr Child said. “Although the most important priorities at this time are varied, the majority of responses focused on the need to protect community safety and to ensure that there is more support for communities before, during and after such events, whether that be storms or a pandemic.” “Not only does this data help us direct our recovery funds to the most needed areas, but it will also direct us in terms of advocacy to the higher tiers of government, depending on where the community’s needs lie most.” “Council thanks all residents and community groups that took the time to complete the survey and looks forward to working together as we recover from the impacts of the storm and pandemic together.” To ensure that Council receives updated and regular feedback as the recovery continues, the survey will be conducted several times per year with the next survey expected to take place in January. Information gathered will be used to monitor and evaluate the recovery of the Yarra Ranges community over the next 12 months and beyond. It will also monitor the impact of recovery programs being undertaken by Council now and over coming years. DECEMBER 2021 | FIND YARRA RANGES

Are you Not-For-Profit in Yarra Ranges 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.

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Chirnside Park Shopping Centre has been servicing the community in outer eastern Melbourne since 1979. We offer our customers an extensive selection of stores, with a strong focus on convenient and value driven fresh food. TERMS OF USE Welcome to Chirnside Park Shopping Centre’s Facebook Page – a great space for sharing with you information about Chirnside Park Shopping Centre and its retailers, and all the great things we have to offer. It’s also a space where we welcome comments, discussions, ideas and feedback from you. We’d love to hear what’s on your mind and to ensure this is an enjoyable place for all, ask that your contributions be made in a constructive, respectful and polite manner. Posts or other content that is trolling, defamatory, a personal attack, threatening, harassing, harmful, abusive, discriminatory, unlawful, offensive, obscene, misleading or deceptive, fraudulent, spam, or any content that may breach intellectual property rights of another is not permitted.

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RETIREMENT

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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

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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.

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IS IT POSSIBLE TO LIVE YOUNGER?

Photo by Anastasia Shuraeva from Pexels

RETIREMENT By Bernard Kelly MBA

In 2002, Becca Levy’s (Yale University) research provided us with evidence that adopting a positive mindset on aging creates 7.4 years of additional life, all other variables being equal. But how can you actually live younger in your retirement years? With lifespan increasing significantly, we’re sure that this question has been on your mind. Here’s a few ideas: 1. Get creative and stimulate your mind. It’s fine to do a daily Sudoku puzzle, but to live younger, you really should go a few steps further - towards Creativity. This is when you develop new and original ideas, methods or objects. An example would be when you establish a $2 Travel Club – arrange excursions on your local metro network at the daily senior’s fare.

2. Engage with people of all ages. One of the attractions of volunteering is that you create friendships with likeminded people. You too can achieve this level of satisfaction if you commit to keeping yourself updated on social media. Just pick any platform and start conversions with your peers - on any topic that interests you.

would all satisfy – as long as you commit and become part of the team. Then get further involved by watching relevant YouTube videos. 5. Learn from your younger self. If you are still looking for direction, reflect what were your dreams were at age eight, or twelve or as a late teen.

3. Stand up for what you believe in.

That’s where you’ll find your energy and excitement and the route to living younger.

Today, you don’t need to be out in all weathers on Sundays at Speakers’ Corner.

As over half of us will live at least until our mid-nineties, our retirement years are likely to span several decades.

Today, all you need to do is write a blog.

That’s a long time to be bored, which is why attempts at living younger are so vital.

Blogs are easy – step 1. chose a descriptive name, step 2. register your blog, step 3. write and publish your first post. 4. Commit to a cause You up the voltage on living when you commit to a cause. Earthquake relief, saving an endangered species or education for the marginalised

Bernard Kelly MBA is a retirement coach. Feel free to contact him anytime. His email is bernardkellygeelong@gmail. com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach

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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.

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INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 38 • Find Accountant ----------------- 36 • Financial Planning ------------- 00 • Find Insurance -------------------- 37 • Bookkeeping ---------------------- 38 • Editor|Copywriter --------------- 37 • General Insurance ------------- 38 • Life Coach --------------------------- 38 • Signages ------------------------------ 39 • Mortgage Brokering ----------- 39 • Solicitor/Lawyer ------------------ 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.findyarraranges.com.au/graphic-design to upload your details and we will create this for you.

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

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General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

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following (you need to go direct and save):

• Professional Indemnity

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• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

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

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

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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

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

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.

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 3. Design and Document

KATHY ISMAIL ARCHITECT

4. Full service package (and more)

PO Box 233 Eltham VIC 3095 www.kirachitecture.com

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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

• 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

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

DECEMBER 2021 | FIND YARRA RANGES

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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 -- 42 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

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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LOCAL TRADIES

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.

DECEMBER | FIND YARRA RANGES

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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Sleek design that fits the modern office

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Grinds fresh beans for each cup, no powders

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Automatically heats and froths fresh milk for each cup

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! DECEMBER | FIND YARRA RANGES

HOME & GARDEN HOME & GARDEN

PAGES

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

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.

HOME GARDEN HEALTH &&BEAUTY

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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 ----------- 45 • 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

DECEMBER | FIND YARRA RANGES

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.

DECEMBER | FIND YARRA RANGES

FREE ADVERTISING Religious Groups and Churches Services Times

Yarra Ranges 1300 88 38 30 editor@findyarraranges.com.au

Public Notices

Religious Groups and Churches

FREE Advertising is available related to Services Times and Public Notices.

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

DECEMBER | FIND YARRA RANGES

Birth, Deaths & Marriages DECEMBER 2021

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

SEND US YOUR NEWS! Yarra Ranges 1300 88 38 30 editor@findyarraranges.com.au

Birth, Deaths & Marriages DECEMBER 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

DECEMBER | FIND YARRA RANGES

YARRA RANGES

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DECEMBER | FIND YARRA RANGES

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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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Yarra Ranges DECEMBER 2021

Find Yarra Ranges 2021 - December Edition

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