Find Yarra Ranges 2022 - February Edition by Find

The

Yarra Ranges

FEBRUARY 2022

WHAT’S INSIDE: 04

LOCAL STORIES

COLUMNIST ARTICLES

TAX UPDATES

REAL ESTATE - RENTAL LISTINGS

YARRA RANGES COUNCIL NEWS

NOT-FOR-PROFIT EVENTS & ARTICLES

FIND BIRTH, DEATHS, & MARRIAGES

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER YARRA RANGES

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GENERAL INSURANCE

MORTGAGE BROKER

WARREN STRYBOSCH

CRAIG ANDERSON

Are you our next Mortgage Broker?

FINANCIAL PLANNER

SOLICITOR

MARKETING

Are you our next Financial Planner?

Are you our next Solicitor?

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

Are you our next Business Coach?

Are you our next Web Developer?

Are you our next Electrician?

BOOKKEEPER

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LIFE COACHING

Are you our next Bookkeeper?

Are you our next Personal Trainer?

Are you our next Life Coach?

? ?

LAWYER

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FEBRUARY 2022 | 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 Friday March 4, 2022. Advertising and Editorial copy closes Tueday March 8, 2022.

FEBRUARY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | FEBRUARY 2022

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Back to School By Warren Strybosch

We, at the Find Yarra Ranges, would like to wish all the 2022 children, who are attending school this year, all the best in their endeavours and we hope you have a wonderful year learning and building relationships with your peers.

Our thoughts especially to those school children who must wear masks and take regular RAT’s. To those parents who must administer the RAT’s and help their children remember their masks, on top of everything else you will have to do

this year…we feel for you.

Jobless rate may drop below 4 pct soon

“It could happen very, very quickly because of the amount of effort we are putting into training Australians,” Mr Robert told ABC radio on Wednesday.

“This is the second highest taxing government, next to the Howard government, which we have seen since the Second World War.”

“This is something we very committed to because it just changes lives. We are seeing a generation of skills coming through that we haven’t seen for a long, long time.”

Dr Lowe will address the National Press Club in Sydney later on Wednesday where he will get the opportunity to explain his thinking on the outlook for interest rates.

Reserve Bank of Australia governor Philip Lowe has a similar view for the jobless rate, falling below four per cent this year and being around 3.75 per cent by the end of 2023.

The governor stuck to the line of being “patient” before lifting the cash rate from a record low 0.1 per cent in his statement following Tuesday’s first board meeting of the year.

Deputy Opposition Leader Richard Marles said low unemployment is obviously “a good thing”.

Financial markets, which are pricing in the risk of a rate hike by mid-year, had been expecting something more definite in its guidance following the recent drop in the unemployment rate and a surge in inflation pressures.

Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Scott Morrison wants to see the unemployment rate below four per cent in the second half of this year, but Employment Minister Stuart Robert says it could come sooner. As of December the jobless rate already stood at 13-year low of 4.2 per cent. The prime minister, just months out from a federal election, told the National Press Club on Tuesday an unemployment rate with a “three” in front was achievable – a level not seen in over 50 years.

“But there is still considerable underemployment in Australia today, a lot of people who are working but want to have more work,” he told Sky News. He also scoffed at the idea that the Morrison government could win the election based on its economic management “This is a government which has racked up more than a trillion dollars of debt and there is very little to show for it,” he said.

If anyone has any encouraging stories about their children’s school experience this year, please send them through to editor@findyarraranges.com.au.

The RBA did announce the end of its multi-billion dollar bond buying program as economists had expected, which had aimed to keep market interest rates and borrowing costs low. “Ceasing purchases under the bond purchase program does not imply a near-term increase in interest rates,” Dr Lowe said.

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Free RAT for DVA and Concession Card holders but should it be free for others as well? By Warren Strybosch

FEBRUARY 2022 | FIND YARRA RANGES

Only DVA Gold and White Card holders, Health Care Card holders, and other concession card holders can obtain Free Rapid Antigen Test (RAT) kits. Chemists must prepay for the RAT kits and then on sell them to their customers. For DVA and Concession Card Holders, you can walk into a pharmacy, show your concession card, and receive up to five RATs for free which are being subsidised by Medicare. Thankfully, this option is available to concession card holders given many would struggle to come up with the required $75 needed to obtain the five tests. Whilst concession card holders are now able to obtain the RATs, many casual workers feel they should also be receiving free RAT kits. Casual workers have suggested that every person should receive at least two free kits under the Medicare system. Regardless, of who is getting them for free or not, there is still a shortage of RAT kits for Victorians. Interestingly, the Victorian Government has decided to give free RAT kits to every child attending school this year, however, it is not compulsory to take the RAT even if symptoms are presenting. It is hard to believe that every parent is going to administer these tests to their children even when there are no symptoms showing.

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Whilst some workers are struggling to get their hands on a RAT kit, there is likely to be many school families stockpiling their RAT kits for a future event e.g., when they or someone in their family needs to take one so they can get back to work. With shortages or RATs still occurring it is also likely that some school parents will see this as an opportunity to make a few quick dollars by on selling their kits to those in need. Hopefully, we will see a decline in the use of RATs as the year progresses but that does seem a long way away as we see continue to see increased hospitalisations and more and more people getting sick from Covid.

Enter now FEBRUARY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | FEBRUARY 2022

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High Income Earners – Beware of One-off Income Earning Events ACCOUNTANT By Warren Strybosch

sector funds are not included as low tax contributions as these amounts don’t count towards a client’s concessional cap.

If you are a high-income earner, especially someone who is now earning close to $250,000 this financial year, you need to understand how Division 293 applies so you do not get a surprise at tax time.

Payment process After a client submits their tax return and the super funds have reported all contributions for the year, the ATO will determine if a Division 293 tax liability has arisen. The client has a choice of:

Division 293 tax is the additional 15% tax on concessional contributions for high income earners. The tax applies when a client’s combined income and nonexcessive concessional contributions for the year are greater than $250,000.

• •

One-off events can result in clients having to pay Division 293 tax when normally their annual income is well below the $250,000 threshold.

paying the tax liability personally, or having the tax deducted from their super fund (via a release authority provided by the ATO).

To make this choice, the client can complete an election form on myGov. If this election is not made within the 60day timeframe provided, the ATO will issue a release authority directly to the super fund for payment.

Division 293 income definition

Important note:

The definition of ‘income’ used for Division 293 provisions is the total of:

It is not the responsibility of the employer or the receiving super fund to deduct this additional 15% tax on concessional contributions. The onus to meet this liability is on the client.

•

• • • •

taxable income (excluding any FHSSS* released amount and any assessable super lump sum benefits where the low-rate cap applies for those under 60) amounts subject to family trust distribution tax reportable fringe benefits total net investment losses low tax contributions * First Home Super Saver Scheme

What are low tax contributions? Low tax contributions generally refer to all concessional contributions made in a year less any excess concessional contributions (as the excess amount is already picked up as part of taxable income). Concessional contributions made to defined benefit schemes (both taxed and untaxed funds) and amounts allocated from reserves to the extent that they count towards the client’s concessional cap, may also be included as low tax contributions although the contributions are modified for defined benefit interests, State higher level office holders and Commonwealth justices and judges. Transfers from foreign superannuation funds that are taxed in the receiving fund and rollovers of taxable component (untaxed element) from untaxed public

Trap - beware of one-off events Income (for Division 293 purposes) can increase suddenly in a particular financial year due to a one-off event resulting in an additional 15% tax on nonexcessive concessional contributions made in that year including concessional contributions made using the carry forward of unused cap rules. Some of the common events that can arise to dramatically increase taxable

income and therefore the requirement to pay Division 293 tax include: •

• •

Employment termination payments and leave entitlements that are added to taxable income as a result of redundancy (ie the amount over the tax free portion). The sale of an asset resulting in a capital gain. Receiving a taxable super death benefit as a non-dependent beneficiary (eg adult child). Example: Rory is 50 years of age with a salary of $200,000 p.a. In the 2021-22 year, he plans to maximise his concessional contributions and will contribute $27,500. His father Jon has an account-based pension valued at $300,000 (all taxable component) and Rory is the sole beneficiary under a binding nomination. In January 2022, Jon dies, and Rory receives the death benefit resulting in taxable income for the year of $500,000 (noting that the maximum tax rate that will apply to the $300,000 death benefit is 15% plus Medicare). As Rory’s income exceeds $250,000 for 2021-22, he will receive (possibly unexpectedly) a Division 293 tax liability notice from the ATO for $4,125 ($27,500 x 15%).

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

WARREN STRYBOSCH Find Group

The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates acroos Victoria.

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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FEBRUARY 2022 | FIND YARRA RANGES

More face-to-face Aged Care Specialist Officer services being offered Additional aged care support will now be available at an estimated 80 locations across Australia. The face-to-face service will be provided at Services Australia Service Centres and will assist older Australians with: •

information on the different types of aged care services available

•

help to organise an aged care assessment

•

help with the appointment of a representative for My Aged Care

•

providing financial information about the various aged care services on offer

•

finding contacts to local support services

Appointments can be booked with a specialist by calling the Aged Care line – 1800 227 475. More face-to-face Aged Care Specialist Officer services being offered For Financial Planning advice related to Aged Care; the costs involved in moving into aged care facility, how this will have an impact on your age pension, and what the implications will be when considering leaving something to your children, speak to a specialist aged care financial planner. If there is not a financial planner in your area than continue to revisit this website as more financial planners will be listing soon. You can search for a specialist financial planner at https://findagedcareaccommodation.com.au/find-advisers/

Novavax to roll out from late February Alex Mitchell (Australian Associated Press)

Novavax vaccines will be rolled out from February 21, becoming the fourth type of COVID-19 jab available in Australia. Health Minister Greg Hunt said the Australian Technical Advisory Group on Immunisation had given the new COVID-19 vaccine the green light. Novavax, which will be available for those aged 18 and older, will be a twodose course with a minimum three-week gap between first and second doses. Mr Hunt said Australia would now receive its first shipment of the vaccine and the Therapeutic Goods Administration would go through a detailed batch testing process. Presuming the regulator deems it safe, it will then be rolled out. He said the protein-based vaccine expanded Australia’s COVID coverage, with 51 million doses having been purchased.

“For some who may have had contraindications or reactions with regards to other vaccines, this will provide an additional opportunity for them, as well as those who for whatever reason have not taken up the program so far,” he said. “But I do want to encourage everyone, unless there’s a contraindication, please continue to come forward and take the existing vaccines.” ATAGI says the vaccine can be taken by those who have had COVID-19, while severely immunocompromised people should take three doses. It can also be taken by pregnant and breastfeeding women. It also has noted Novavax to be “highly effective” in preventing symptomatic COVID in adults.

warned practices needed extra support. “We are under enormous pressure … GPs and their teams will carry on and get as many doses into arms as possible, but we need more help and that needs to happen right now,” president Karen Price said. “GPs are still reporting doses not arriving on time or insufficient stock being delivered. Practices are also struggling to absorb the cost of taking part in the rollout.” Dr Price, who noted practices were given an additional $10 per booster shot since late last year, called for greater assistance now given “the scale of the task has only grown”. She said additional funding could see more after-hours and weekend vaccinations.

While welcoming the news, the Royal Australian College of General Practitioners FEBRUARY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | FEBRUARY 2022

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Cyber : Increase your insurability.

GENERAL INSURANCE By Craig Anderson

Insurers will look for some key indicators when deciding to offer cover, or if declining to quote to insure your business. One question they will definitely ask is whether there have been any claims, or if there are any known circumstances which may lead to a claim. The answer gives underwriters a clear indication as to whether you are a good risk or not, and this will likely affect their willingness to insure. If you have not suffered a loss, this may still occur, so insurers will ask a lot more questions to gauge their exposure to losses due to activities you undertake, or deficiencies within the business. One area of cover where we are all exposed to risk but few of us are really prepared for is Cyber. As more than 50% of small businesses will fail within 6 months of a cyber-attack this is an area where being prepared, and insured, is of critical importance. “Cyber insurance helps safeguard your business against online risks such as

accidental data breaches, business interruption, computer hacking, ransomware, IT repair solutions, legal claims and remediating any losses suffered by your customers or clients. A cyber-attack or data breach may cost your business more than just money; it could cause damage to the reputation of your company and put your customers’ personal details at risk” (FTA Insurance). So how do you get your business to the point where an insurer will offer cover? Before any claims occur, there are things than can be done to make your business resilient, and more desirable to insure from an underwriter’s perspective. Identifying and removing weaknesses in cyber security, internal encryption and storage of files, and staff training, needs to be undertaken. The most efficient way to achieve this is to engage an IT Consultant who is ISO27001:2013 accredited to audit your whole IT system, who will find and fix the problems. (ISO 27001:2013 is the International Information Security Standard) The consultant will be able to

put in place the necessary changes, which will protect the business from preventable losses, and reputational damage. When the process is completed, you will be considered by insurers to be a good risk. However as we know from experience, there is still a good chance the insurance will be “worth its weight in gold”, in the not too distant future. 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

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 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.

ABN: 26689211803

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By Warren Strybosch

SME loan guarantee scheme extended The Treasurer has announced that the SME Loan Guarantee Scheme will be extended by six months. It was otherwise due to finish on 31 December 2021, ie it will now operate to 30 June 2022.

FEBRUARY 2022 | FIND YARRA RANGES

SME Loan Guarantee Scheme Extended

The scheme has been operating since 23 March 2020 and has been "rolled over" a number of times. This extension keeps the same terms and conditions as currently operate, with the exception that the Government will reduce its loan guarantee from 80% to 50%.

ATO draft effective life for e-bikes and e-scooters The ATO has issued a draft effective life proposal for e-bicycles and e-scooters. It suggests a five year effective life for bikes and two years for the scooters. Comments are due by 25 February 2022.

By Georgie Moore

(Australian Associated Press)

Scott Morrison says he empathises with the travel sector seeking to reopen Australia’s international border, but does not yet have the advice he needs to do so. The Australian Tourism Export Council said on Wednesday maintaining international border closures “was no longer a viable or sensible approach” to contain COVID-19 and was damaging the tourism, hospitality and farming sectors. The prime minister told reporters in Sydney an initial opening up to backpackers and some visa holders had been successful. “The key issue that I’ve tasked our health officials to advise me on in opening up the border to international arrivals is what impact that might have on the hospital system and the pressures that could come from additional people coming into the country at this time,” Mr Morrison said. Mr Morrison said he empathised with industry leaders such as Qantas boss Alan Joyce. “He knows my very strong commitment to getting to that point as quickly and as safely as we possibly can, so I’m looking forward to making

PM ‘optimistic’ about international travel progress on that issue,” the prime minister said. “I’m optimistic about that, but cautiously optimistic, as you’d expect me to be.” ATEC managing director Peter Shelley said Australia now had a higher COVID infection rate than the UK or US. “Given every person arriving in Australia has to be fully vaccinated and tested,

there simply is no greater health risk which would result from reopening our international borders – rather it would provide a huge relief to an already burdened and struggling tourism sector,” Mr Shelley said. “The hermit kingdom approach to protecting our borders is no longer viable and we need urgent clarity from the government on when we can welcome international visitors.” FEBRUARY 2022 | FIND YARRA RANGES

2022 TA

Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns. The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed. For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT

Announced: 15-Nov-2021 Updated: 22-Nov-2021

concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022. However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021 Updated: 24-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020)

This will assist a small business in decision making by increasing transparency on how quickly they could

Passed(6-Oct-2020)

expect payment for work with a big business.Small businesses can opt out of being identified as a small

Royal Assent(14-Oct-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

Victorian windfall gains tax Royal assent has been given to the windfall gains tax (WGT), which is to be levied on rezoned land in Victoria. The WGT will apply to rezoning planning decision which will substantially increase the value of land. The WGT will not apply if a rezoning event causes a taxable value of land uplift of less than $100,000.

Announced: 2-Dec-2021

The commencement date for the WGT will be from 1 July 2023, with various deferrals and exemptions

Updated: 3-Dec-2021

available.Information relating to the interaction between the WGT and other federal income tax is yet to be released by the ATO.

Loss carry-back available for companies For 4 income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to corporate businesses and is a recoupment of

Announcement(6-Oct-2020)

prior year income tax paid, but is only available for recent income years. The loss carry-back is available

Consultation(6-Oct-2020)

to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid and the balance of the franking account. In the 2021 Federal Budget, the ability to utilise tax losses for a refund has been extended by 12 months into the 2022–23 income year. The extension has been introduced into parliament.

Introduced(7-Oct-2020) Passed(9-Oct-2020) Royal Assent(14-Oct-2020) Date of effect(1-Jul-2021)

AX UPDATES Employee share scheme tax and regulatory changes proposed

New legislation has been introduced into parliament which will remove 'cessation of employment' as a deferred taxation point on employee share schemes (ESS). Further draft regulations have been released by the Treasury around changing both the taxation and regulatory framework for Australian businesses. Overall,

nnouncement(10-May-2021) Consultation(25-Aug-2021) Introduced(25-Nov-2021)

these combined proposals for both ESS participants and businesses may change traditional structuring of

Passed

arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses to make

Royal Assent

ESS offers to participants in the future.

Date of effect

Intangible assets depreciation changes proposed A proposal to change legislation around intangible asset depreciation has been issued by the Treasury after an initial announcement in the 2021 Federal Budget. Under the proposal, taxpayers will have the option to self-assess the effective life of certain intangible assets that currently have statutory depreciation rates.

Announcement(2-Dec-2021) Consultation(23-Dec-2021) Introduced Passed

If the proposal passes through the legislative process, self-assessed intangible asset depreciation will begin

Royal Assent

for assets first held on or after 1 July 2023.

Date of effect

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

Announcement(8-May-2021) Consultation(12-Jan-2022) Introduced

arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Passed

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

Royal Assent

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

Date of effect

penalties.

ACT COVID-19 stimulus package In its response to the COVID-19 lockdowns during the second half of 2021, the Australian Capital Territory (ACT) Government has implemented support grants for businesses. Grants of up to $20,000 are available to eligible small and medium businesses where turnover has declined by at least 30% over the lockdown period. These grants were subsequently extended in October 2021. Businesses do not need to re-apply as payments will be automatically paid. The federal government has also announced that these payments

Announced: 22-Mar-2020 Updated: 20-Jan-2022

received will be tax free. Landlords and commercial owner-occupiers may be eligible for new land tax relief in 2021.

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses. In December 2021, density restrictions in place may have meant that your client has experienced a further decline in turnover. •

These support measures include:

•

automatic payments for those also in receipt of the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that are cancelled or postponed.

•

For previous measures that were in place in South Australia, refer to our state COVID-19 page.

Announced: 26-Mar-2020 Updated: 21-Jan-2022

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After its initial request for the State Government to gift the land was rejected, Council has agreed in principle to purchase the land for $6.44 million, which is a discount of 50% below current market value, subject to community feedback. To help fund the purchase, Council is proposing to sell off four smaller, empty parcels of land in Kilsyth and Mooroolbark that have been deemed to hold limited community benefit. “The proposal means that current and future public open space funding that is generated within Walling Ward would be used to purchase the land,” Cr Cox said. “So in essence we’d be able to buy a beloved piece of community land without using ratepayer’s money, and ensure the land is protected as open space from here on.” The four proposed parcels of land to be sold are:

Council proposes purchase of land at 150 Cambridge Road, Kilsyth Council is proposing to purchase a parcel of State Government-owned land at 150 Cambridge Road, Kilsyth, so it can continue to be used as community open space. The State Government-owned land was once a part of the former Yarra Hills Secondary College site. The State Government approached Council in 2015 to buy the land, however Council opted to negotiate a 20-year lease for the southern portion of the site, which Council currently uses and maintains, and also includes a dog offlead area. Since then, the State Government has rezoned the northern, 3.6 hectares portion of this land to prepare it for sale.

The Kilsyth community then strongly advocated to Council to purchase this northern parcel of land to ensure that all land at 150 Cambridge Road would be kept as public open space. Walling Ward Councillor, Len Cox, said that the Kilsyth community and surrounds had thrown their heavy support behind the proposal to purchase this section of land. “The community have let us know, in no uncertain terms, that they would like to see this land used for public open space for decades to come, and I think it’s our role at Council to act on the community’s behalf,” Cr Cox said. “One of the key objectives in our Council Plan is to create connected and healthy communities, so to be able to retain and utilise land such as this for that exact purpose is of the utmost importance.”

• • • •

182-184 Cambridge Road, Kilsyth 9A Wannan Court, Kilsyth 16 Ellis Court, Mooroolbark 9A Tinarra Court, Kilsyth

Each of these parcels of land would undergo their own community engagement process with surrounding residents, who will be notified by direct mail if this proposal progresses. “We’ve agreed to this purchase in principle, but we now want to make sure this is what the community wants. We’ll be providing an opportunity for locals to provide feedback on this proposal before any final decision is made.” Local community members will have until Wednesday, 23 February to provide feedback on the proposal. The $6.44 million offer has an upcoming deadline, which has resulted in the shorter than usual community engagement period. Extending the engagement period past this deadline would potentially mean that the asking price of the land may rise due to current market trends. For more information on this consultation and to have you say, visit https://shaping. yarraranges.vic.gov.au/150-cambridgeroad-kilsyth.

Council News Some of the topics included in the program are:

Budding Environmentalists Encouraged to join Nature Stewards Community members with an interest in the natural environment are encouraged to sign up for Nature Stewards – a 10 week program supported by Council.

“Young people and students learn so much about the natural environment in their school lives, but we don’t get many chances to dive into topics like this once we’ve left school behind.

Nature Stewards introduces people to local and wider Victorian ecosystems and topics, to build knowledge and inspire a love of the environment, and find out ways to help nature at home and through local environmental volunteering.

“The Nature Stewards program is a wonderful opportunity to learn about the unique parts of our natural environment, how it all works and why so much work is being done – by Council, by the State Government and countless local groups – to protect and enhance it.

Yarra Ranges Mayor, Jim Child, said Nature Stewards would be a great opportunity for adults to learn more about the world around them. “The Yarra Ranges is home to some of the most vibrant, rare and awe-inspiring natural environments in the state of Victoria,” Cr Child said.

“I encourage anyone in the region keen on learning more to have a look and sign up for this program.” The program will run from 19 March to 4 June, 2022, with Saturday classes running from 9.30am-12.30pm (excluding Easter and ANZAC Day weekends), with field sessions to follow after some sessions from 1pm-4.30pm.

• • • • • •

Rocks and soils Fungi, plants and animals Climate change and the seasons Ways to care for Country and managing private property Being a citizen scientist, conservation volunteer, advocate for nature or a nature guide How and where you can get outdoors and volunteer in your area.

The sessions will be held in multiple locations across Yarra Ranges, including: Healesville Lillydale Lake Karwarra Gardens, Kalorama Birdsland Reserve, Belgrave Heights Nature Stewards is facilitated by Outdoors Victoria and costs $175 for fullfee participants living in Yarra Ranges, $45 for concession holders. Funded placements are available, subsidised by Council, on application. Those outside the Yarra Ranges are also welcome to apply, with $350 for full free and $90 concession. The program is open to people over the age of 18. All sessions will be held in accordance with State Government directions and COVID-Safe rules. Double vaccination is required for adult education, so all participants and staff must be vaccinated. Find out more and apply at outdoorsvictoria.org.au/naturestewards/applications

More News and Updates

Growing Suburbs funding to upgrade community facilities

Construction begins on RidgeWalk

Streeton By-election: Public signage

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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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Valentine’s Day is a cause of joy for many and sometimes a cause of loneliness for others. This year… throw out the old preconceptions. Valentine’s Day is for EVERYONE! Whether you have a sweetheart, a group of friends, one friend, a pet, a family, or simply want to spoil yourself… Love is for everyone and so we challenge you to celebrate this year. The past few years have been hard on everyone. It’s time to come together and celebrate our love for everyone and everything. The most precious gift you can give is time spent together. Here are some wonderful ways you can celebrate love this Valentine’s Day. BE CREATIVE Do something different this year. Sometimes spontaneity is spectacular!

THE PERFECT DATE

Your guide to Valentine's Day at Chirnside Park.

How about a shopping centre riddle/treasure hunt - Channel your inner child and set up a shopping centre treasure hunt! Create a fun note pointing your partner or friends to a list of fun things. Hungry for dumplings? Meet me at our favourite place to start a day of fun at 12.15pm. Ever seen a Spider(man) on a big screen? You’d better be there by 2pm. Love hugs but I can’t always be there? Maybe you could ‘Build-A…..’ at 4.20pm. You get the idea!

GIFT FOR HIM Find a gift he'll love this Valentine's Day!

GIFT FOR HER Find a gift he'll love this Valentine's Day!

If you’re looking for a unique Valentine’s Day gift for someone sweet and you love being a bit creative, bake a batch of fortune cookies with personalised messages inside! The best part about these is that they are easy to make, utterly delicious and they don’t cost a fortune! (He he). Give them to someone you’re sweet on, a friend, classmate, neighbour… anyone who needs a smile! Love is for everyone. We’ve got everything you need right here to make this a-dough-rable gift. The recipe and even a list of loveable message ideas.

LOVE AT FIRST BITE

Make them something sweet and special this year with our romance filled fortune cookies! FEBRUARY 2022 | FIND YARRA RANGES

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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

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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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SETTING

NEW LIFE

COORDINATES

RETIREMENT By Bernard Kelly MBA

As we transition from one age into another, that’s precisely the time when we should look back on our life, and set new coordinates to enable us to navigate our future birthdays. It doesn’t have to be something that you want to tell the neighbours about – such as becoming a gray nomad for the next twelve months, and would they keep an eye on the unit for us? – but something more personal can be equally satisfying and achievable – like deciding to find, for the next month, a different meal every evening, on YouTube. And indeed, for a novice starting to discover totally new recipes, you can’t do better than David Herbert’s divine “Classic Bolognese Sauce”. Setting new retirement co-ordinates is to start to move out of boredom, and towards fear. And obviously, the rules are (1) small steps are best and (2) don’t ask for permission.

BRAINHQ.com

If your hand includes a card that you enjoy (e.g. posting videos to YouTube), And here’s another pathway to follow you can keep it for as long as you like. – an online habit to keep your brain in pristine mental health. It’s BrainHQ.com If you were dealt some that aren’t serving This is a personal gym – for your brain. At you well, go ahead and discard them. BrainHQ you can exercise your memory, attention, brain speed, people skills, Looking to improve your life? Pick up intelligence and navigation. a new card and try it out for a while. Just as our bodies require care and Make a habit of continually mixing in exercise during our life, so do our brains. new cards with the cards you’re already So go there today! holding. RETIREMENT IS LIKE POKER

Work to find cards to discard. For example, if you establish a charity, you You’ve never played poker? Don’t may find that you won’t have time for worry - that’s irrelevant for now however Rotary. New cards frequently displace there are some fundamentals about the old cards game that could lead to a better life in retirement. So you’re holding some cards in your hand. Unlike in real-world poker, you selected some of those cards. Others, you were dealt. You hold what you hold. And it’s how you play that hand in “Retirement Poker” that can have a profound impact on your life. The goal in Retirement Poker is to continually improve your hand.

Bernard Kelly MBA writes on retirement lifestyle issues. His email is bernardkellygeelong@gmail.com

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

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

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