Find Yarra Ranges 2022 - July Edition by Find

The

JULY 2022

Yarra Ranges 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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WARREN STRYBOSCH

We are looking for business owners who would like to be part of the Find Yarra Ranges Network Group. •

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Your membership will be entitle you to the following: EXCLUSITIVITY

COLUMNIST

No other business owner in your area of expertise will be able to attend the monthly meetings or advertise in the online paper within your specific region. You won’t just have exclusitivity amongst 20 - 30 people but with over 149,537 people in the Yarra Ranges Shire.

Write Article each month about your business. Become known as the expert in your field amongst the local community

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OUR MISSION TO SUPPORT AND PROMOTE ALL THINGS YARRA RANGES.

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JULY 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 Wednesday August 10, 2022. Advertising and Editorial copy closes Monday August 1, 2022.

JULY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | JULY 2022

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Will we see record snowfalls in 2022? By Warren Strybosch

The ski season started off with high expectations and predications are that 2022 would be the season for record snow falls. We saw Victoria’s ski fields covered in early-season snow that broke 22-year records but was that an early prediction of what is yet to come or just mother nature teasing us once again. A great ski season may still become a reality but so far, the season has been a mixed one, with high snow falls one week and then rain the next turning all the snow into mush. As at time of writing this article, Falls Creek had 80 out of 90 trails open, Mt. Baw Baw Alpine Resort only had 2 out of 17 open, Mt. Buller had 14 out of 61 open, Mt. Hotham only had 63 of its 100 trails open. Currently, most of the snow can be found at Mt. Buller. Personally, I am hoping that the best of the season is yet to come as I am heading up to Falls with the family in September. “In terms of getting snow this early and before Queen’s Birthday, it has only

Open Dinner Plain 3 days ago

Falls Creek Alpine Resort 3 days ago

Mt. Baw Baw Alpine Resort 3 days ago

Snowfall

Base Depth

1-3"

Jun 30

Powder

24-29"

Jul 08

Machine Groomed

12-12"

Jul 08

Powder

Mt. Buller

19-19"

3 days ago

Jul 08

Packed Powder

20-29"

Jul 08

Wet Snow

Mt. Hotham 3 days ago

happened twice in the last 50 years [on record].” Bureau of Meteorology senior forecaster Matthew Thomas said the strong snowfalls were a result of a burst of cold air pushing over south-east Australia and high precipitation. With Victorian ski resorts been hit hard over the past 2 years due to Covidrestrictions leading to shortened seasons,

Open Trails

Open Lifts

1/1

N.A.

3/14

2/17

3/7

14/61

18/22

63/100

10/13

many ski business operators are really hoping that this year will be a great year for their businesses and those who love going to the snow. Many business owners are feeling optimistic for the remaining season. If you happen to be up at Falls Creek and see a guy with a ‘Find’ cap on having a coffee, feel free to stop and have a chat. Happy skiing everyone.

Pilots pressured to fly while tired: union “The (survey) results show workers continue to bear the brunt of aviation’s peaks and troughs while profit-fanatic executives draw bonuses and exorbitant salaries.

By Liv Casben (Australian Associated Press)

Australian pilots are being pressured to fly while tired and work around “unstable” rosters, according to a union survey.

“We need a commission to rebalance aviation, support good jobs, and ensure Australians can always rely on safe and secure skies.”

The survey by the newly-merged Transport Workers Union and Virgin Independent Pilots’ Association has highlighted concerns about job security after thousands of aviation workers were stood down earlier in the COVID-19 pandemic. Of the 150 respondents from multiple companies, more than half said roster uncertainty was pressuring pilots to work while tired or unfit to fly. The vast majority expressed concerns about fatigue management and believed there was a growing trend towards insecure work. Workers will meet in Perth on Tuesday for the official launch of the TWU’s pilots division after the merger was recently approved by the Fair Work Commission.

Rex pilots, represented by the Australian Federation of Air Pilots, last month voted to take protected industrial action after years-long wage negotiations stalled. One respondent to the TWU survey said industry morale was at an “all-time low”, with the pandemic used as an excuse to erode wages and conditions. “Bringing pilots into the TWU means all aviation workers benefit from the might of collectivism, from the ground and baggage room right through to the flight deck,” TWU national secretary Michael Kaine said.

“Very few pilots would view this as a sustainable career in the long term anymore,” another respondent said. “We have no job security, are asked to work more for less and have no control of our lives due to rostering practices.”

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JULY 2022 | FIND YARRA RANGES

Are you a Financial Planner looking for more clients? Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. List in our Find Aged Care Accommodation Website Are you an Established and experienced Financial Planner providing Aged Care Advice? Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website. List with us, and we will get you promoted through our website, social media, and local community papers. Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

JULY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | JULY 2022

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Oh, the pain of interest rate rises By Warren Strybosch

I don’t know about you, but we are feeling the pain of all these interest rate rises, and I am not sure anyone, except the RBA, knows when they are going to stop. We were supposed to have had our renovations finished last year but it got pushed out to June and even now we continue to incur delays. This delay has resulted in us missing locking in our interest rate on the new home mortgage (currently the construction loan). We were supposed to have locked the rate in back in January for four years. So, not only has the renovations cost us more due to building supply constraints due to COVID, but we are now going to have to pay higher mortgage repayments over the next four years because of the unforeseen delays – we have missed the ‘fixed-rate’ boat. Yes, I can hear the “pffts”, and “put your adult pants on” from all those who had mortgages throughout the 1980’s. With the 30-year fixed mortgage rate reaching a pinnacle of 18.4 percent in October 1981 and seesawing down to the 9 percent range by 1986 and closing the decade at 9.78 percent, you might have reason to think we still have it relatively easy. But as my own children remind me when I start telling my war stories, ‘about when I was young’, that my life is not their life and that I need to have some consideration as to what they might be going through right now rather than being dismissive about it. So, hopefully all of you Baby Boomers, who have already paid off your mortgages, might be able to emphasize with those of us who still have one. What is happening with interest rates? On the 5th of July the Reserve Bank of Australia (RBA) announced at its monetary policy meeting an increase in the cash rate by 50 bps. It marked the second 50-bp hike in a row and followed the 25-bp hike in May, taking the official cash rate to 1.35 per cent, up from 0.85 per cent. The RBA board’s decision comes as inflation is expected to hit 7 per cent at a time when unemployment rates are low, household budgets are under pressure and global uncertainty remains.

In 1984...

In 2022...

•

The average home cost was $64,039.

•

The average home costs $920,100.

•

The average annual income was $19,188.

•

The average annual income is $90,896.

•

The average mortgage was $42,277.

•

The average mortgage is $618,722.

Deposits then and now 1984

2022

• If the average home cost $64,039...

• If the average home cost $920,100...

• A 20% deposit equals $121,807.

• A 20% deposit equals $184,020.

Governor Philip Lowe anticipates that Australia’s inflation will peak this year before declining back down towards 2-3 per cent, driven by an increasing interest rate environment.

Let's take a trip back to the housing market of 1984 to see just how different buying a house was in the 80s versus today.

Higher interest rates will also help establish a more sustainable balance between the demand for and the supply of goods and services,” he said.

Australian home buyers today must save bigger deposits, borrow much more and face much larger repayments. This means more of their weekly income goes into housing costs today than in 1984.

Ironically, we are experiencing the same run-away inflation that occurred in the 1980’s due to high government spending, increased property prices and people still spending their money. As a result of increased inflation, interest rates continue to rise, and there is going to be a world of pain felt by a lot more people now compared to the pain that was felt in the 1980’s. Australians now are experiencing it harder The truth is that the average Australian is now purchasing homes that are worth way more than what they were worth in the 1980’s. In fact, the average Australian now is spending on average 10 times their annual earnings on their first home compared to the Boomers who paid 3.3 of their average annual earnings. The average Australia in 1984 could buy a home that cost 3.3 times their annual income. In 2022, it's 10 times what the average person earns in a year.

Australian buyers in 2022 now have to save much bigger deposits. Saving a deposit is one of the big challenges for home buyers in 2022. As prices have risen so much, the amount you have to save for a 20% deposit just keeps jumping up. This is a stark contrast. In 1984, a 20% deposit was 66% of a year's income. Today, it's 202%. It would take you just over 2 whole years' of income to save the same deposit. (Source: finder.com.au) Further hikes anticipated Further rate hikes are anticipated, and it is likely we will see rates increase by at least another 50-bp before the end of the calendar year. Even Brokers are expecting more rates rises to come.

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JULY 2022 | FIND YARRA RANGES

Commonwealth Games 2026 By Warren Strybosch

In April, the Commonwealth Games Federation announced Victoria as the host of the 2026 Commonwealth Games. It has since been decided that the opening ceremony will be held on March 17 2026 at the MCG, with the next 12 days being full of competition, culminating on the 29th. The Commonwealth Games were last held in Melbourne in 2006 but have also been held on the Gold Coast (2018), Brisbane (1982), Perth (1962), and Sydney (1938).

In a Commonwealth Games first however, the games will not be held in just one location, but instead will be showcased in four regional locations around Victoria – Geelong, Bendigo, Ballarat and Gippsland. This is a boon for these regions as they will receive a boost to their local economies with additional spending from the government in the lead up to the games. Community infrastructure will be improved and thousands of jobs will be created in the lead up to the games as well as during. Hamilton, Canada, hosted the first Commonwealth Games in 1930 with just

11 Countries, 59 events (6 sports) and 400 athletes. For Melbourne in 2026 we can expect in excess of 70 countries, 280 events and 4500 athletes. Expressions of interest are currently open for the inclusion of additional sports. International sporting federations in conjunction with Australian sporting organisations have the opportunity to request that certain sports be included in the line-up. Depending on the outcome of this, other Victorian regional areas may have the opportunity to host some of these additional events. The cut-off date for these submissions is August 19, 2022.

Supply issues continue for vehicle market Tim Dornin (Australian Associated Press)

Australia’s vehicle industry faces supply issues into the future with constraints on global manufacturing to blame for a near 10 per cent fall in sales last month. The Federal Chamber of Automotive Industries says 99,974 cars and trucks were sold in June, down 9.7 per cent compared to the same month in 2021. That left demand for the first half of 2022 at 537,858, a fall of 5.2 per cent. FCAI chief executive Tony Weber said the fallout from the COVID-19 pandemic continued to hamper automotive manufacturing. Combined with the war in Ukraine and shipping issues, the supply of new vehicles hitting Australia’s shores could not keep up with local demand.

“Globally, car makers are continuing to suffer from plant shutdowns,” Mr Weber said. “In Europe, we have component supply heavily impacted by the conflict in Ukraine. “Microprocessors continue to be in short supply and global shipping remains unpredictable.” “While demand for new cars remains strong in Australia, it is unlikely we will see supply chain issues resolved in the near future.” Toyota led the market last month selling 22,561 vehicles ahead of Kia on 8480, Hyundai on 8259, Mazda with 6245 and Mitsubishi with 5846.

The Toyota Hi-Lux was the most popular model with 7582 units sold ahead of Hyundai’s Tucson on 2840 and Ford’s Ranger with 2802. With escalating petrol prices, sales of electric cars continued to rise. The FCAI said 1137 were sold last month compared to 526 in the same month last year. Year-to-date, sales were up by more than 300 per cent to 9680. Tesla remained the dominant player in the electric car market with its Model 3 accounting for almost half of the vehicles sold so far this year.

JULY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | JULY 2022

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List Your Aged Care Facilities with Find Aged Care Services Website Today. Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area. We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities. For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services.

WARREN STRYBOSCH 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 best financial lives. A multiaward winner, Warren’s innovative approach in business means he 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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JULY 2022 | FIND YARRA RANGES

ATO: Common myths about work expense deductions ACCOUNTANT By Warren Strybosch

The ATO is trying to make it easier for those preparing their own tax returns to understand some of the common mistakes that are made when claiming deductions in their returns. The ATO has listed some common myths about deductions which may lead you to make an incorrect claim. Here are some of the most common ones: Clothing and Laundry Expenses Myth: Everyone can automatically claim $150 for clothing and laundry expenses , 5000 km under the cents per kilometre method for car expenses, or $300 for work-related expenses, even if they didn't spend the money. Fact: There is no such thing as an 'automatic' or 'standard deduction'. Substantiation exceptions provide relief from the need to keep receipts in certain circumstances. While you don't need receipts for claims under $300 for work-related expenses, $150 for laundry expenses ( note: this is for laundry expenses only and doesn't include clothing expenses) or if you are claiming 5,000 km or less for car expenses under the cents per kilometre method: • • •

• • • •

you must have spent the money it must be related to earning your income, and you must be able to explain how you calculated your claim. See more: Laundry expenses Car expenses Substantiation requirements Exceptions and relief substantiation requirements

supplier was and when you paid. Bank or credit card statements alone don't have this information. The only time you don't need these details is if substantiation exceptions apply. •

Sun Protection and/or makeup Myth: I can claim makeup that contains sunscreen if I work outside. Fact: Cosmetics are usually a private expense and the addition of sun protection doesn't make it deductible. However, it may be deductible if the primary purpose of the product is sunscreen (that is, it has a high SPF rating), the cosmetic component is incidental, and you need to work outdoors in the sun. See more: • Sunscreen Gym Membership Myth: I can claim my gym membership because I need to be fit for work. Fact: Very few people can claim gym membership fees. To be eligible, your job would have to depend on you maintaining a very high level of fitness, for which you are regularly tested, for example special operations personnel in the Australian Defence Force. •

See more: Gym fees expenses

and

fitness-related

clothing you are required to wear to earn your income, you won't be able to claim it. Plain clothes, like black pants, aren't deductible even if your employer told you to wear them. •

See more: Clothing expenses

Streaming Subscriptions Myth: I can claim my pay television subscription because I need to keep up to date for work. Fact: A subscription to pay television is not ordinarily deductible. Keeping up to date on news, current affairs and other general matters usually won't have a sufficiently close connection with your employment activities to provide a basis for deducting these subscriptions. They are essentially private expenses. •

See more: Pay television and streaming services

Travelling to work Myth: I can claim home to work travel because I need to get to work to earn my income. Fact: For most of us, home to work travel is a private expense. •

See more: Transport expenses

Phone and Internet Usage Myth: I've got a capped phone and internet plan, so I can claim both business and private phone calls and internet usage.

Travel Expenses: a holiday before or after a conference Myth: I can claim all my travel expenses if I add a conference or a few days' work to my holiday.

Fact: Unless you only use your phone and internet for work, you have to apportion the cost between work-related and private usage and only claim the workrelated portion of your expenses.

Fact: If you decide to add a conference or some work to your holiday, or a holiday to your work trip, you must apportion the travel expenses between the private and work-related components and only claim the work-related component.

See more: • Phones and other telecommunication devices • Internet expenses

• from

See more: Substantiation requirements

•

See more: Conferences, seminars and training courses Overnight travel expenses

Proof of payment Myth: I don't need a receipt; I can just use my bank or credit card statement.

Clothing Expenses Myth: I can claim my work clothes because my boss told me to wear a certain colour.

Fact: To claim a tax deduction, you need to be able to show that you spent the money, what you spent it on, who the

Fact: Unless your clothing is a uniform that is unique and distinct to your employer, or protective or occupation-specific

(Source: ato.gov.au)

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

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

JULY 2022 | FIND YARRA RANGES

FIND YARRA RANGES | JULY 2022

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Risk Management - From the Underwriters’ Perspective

the company’s reputation, liquidity, and overall financial muscle in catastrophic events. This is essential in assessing the reliability and adequacy of catastrophic risk reinsurance and retrocession to reduce the impact of conceivable company’s disasters thus ensuring the survival of the enterprises.

GENERAL INSURANCE By Craig Anderson

Have you ever wondered what an insurer looks for when assessing the suitability of a potential new insured? The following article is penned by a highly experienced and respected underwriter by the name of Jeremy O’Connor, who describes succinctly what underwriters want and why they want it. “Risk management in insurance is the practice of identifying potential risks in advance, analysing these risks and taking precautions to mitigate the chances of potential claims. This usually involves the planning and implementation of procedures and processes that will reduce the likelihood of future claims. Risk management procedures help businesses insureds to identify potential risks in the day to day running of their businesses and provide an action plan to prevent future claims. The below provides a guideline for what insurers look for when assessing the suitability of potential insurance risk in terms of risk management.

2. 3.

What is the main purpose of risk management?

Risk Analysis – The identification of the effects of risks registered. Risk Evaluation – Identifies and determines the risk magnitude, likelihood and consequences that risk may bring about in the day today business activities. This also helps businesses decide which risks warrant serious consideration or treatment. Risk Treatment – Developing a risk response plan. At this stage, businesses can assess the highest risks and develop a risk response plan. This includes the creation of risk mitigation strategies, prevention plans and contingency planning. Monitoring and Review – Using a risk register will help businesses monitor, track and review risks. Putting a framework around these risks will help de-risk any potential claims or incidents from occurring.

The main purpose of risk management is to identify potential risks before they occur in order to plan risk handling activities in advance which in turn mitigate adverse impact to achieving project objectives. Insureds must consider various risk factors in the project life cycle. Having risk management procedures and processes in place helps prevent potential financial, personal injury and environmental losses from occurring. Effective risk management procedures provide a plan for smooth workflow thus maximizing on productivity and revenue generation.

What are the 5 key areas that insurers look for when evaluating a business’s risk management procedures and suitability for insurance?

What are risk management processes and procedures?

Risk Control – The evaluation of the entity’s quality risk management, risk monitoring standards and limits for retained risks.

Extreme Event Management – process of envisioning the impact of likely disasters through scenario analysis and stress testing. This helps in identifying the potential impact to

Risk Identification – Process of uncovering, recognising and describing risk factors that may potentially lead to claims. Various techniques, such as toolbox meetings and SWMS, are employed to help identify potential risks.

Risk Management Culture – The degree to which risk and risk management are important considerations in decision making. It also helps in evaluating a business’s philosophy in regards to risk and risk appetite, governance and organizational structure of its risk management procedures.

Risk & Capital Models – To monitor, control, and manage risk exposures, indicative, predictive, and sensitivity risk measures. Indicative measures are available in accounting, administrative or underwriting systems. Some examples include life insurance sum insured, probable maximum loss, premiums earned, asset values, staff turnover rates and auditing. Predictive measures can be estimated using complicated and simulation models that take into account the expected shortfall and value at risk.

Strategic Risk Management – The risk involved due to the changing technological processes. It is therefore important for an organization to develop an action plan that will look into risk that will potentially disrupt the operations of the company due to technological shifts

It is important that businesses develop and create risk management plans and procedures to help reduce the likelihood of future claims or incidents from occurring. Having a simple and effective risk management plan helps businesses create credibility in their respective marketplace which hence attracts a higher sophisticated customer base leading to greater profitability.” Many thanks to Jeremy O’Connor for granting permission for me to reproduce this article. 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

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JULY 2022 | FIND YARRA RANGES

Personal Insurance – How much cover should I have? FINANCIAL PLANNING

Income Protection Required Insurable Income

By Warren Strybosch

Last month I shared with you two stories about people who had personal insurance. The first person had it, cancelled it, and then was diagnosed with terminal cancer. The second person, had it, wanted to cancel it but thankfully spoke to me before they cancelled it and we managed to get the client over $400,000 in claim payments. The need for personal insurance is a real one. This month, I want to provide a guide as to how much personal insurance you should consider taking out. This is only a guide, and you should seek professional advice from a licensed financial planner before making any decisions regarding personal insurances. We suggest you book in a time with an advisor like myself (https://calendly.com/findgroup/15minute-phone-conversation) to discuss your insurance needs. We will help you work out what you need and provide you with a Free Insurance Report containing quotes for your consideration.

70%

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to future education costs, you estimate how much you are spending each year on kids’ education and multiply that by the number of years left before each child finishes high school. For instance, if your education costs are $12,000 per year, you have three children and the total number of years left for all three children is 8 years, then multiply $12,000 x $8,000 = $96,000. This figure would go also under Life, TPD and Trauma. Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

Future Education Costs

$96,000

Medical Costs

Modifications to Home/Car

When working out how much cover you will need you have to take into account the following: debt, future education costs, medical costs, modification costs, tax, and other costs, that might have a bearing on our future financial situation, should we suffer an illness or injury (refer Table 1: Working out Cover you need (Basic)).

Provision for Tax

Other Provisions

Total Insurance Required

Table 1: Working out Cover you need (Basic)

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

Future Education Costs

Medical Costs

Modifications to Home/Car

Provision for Tax

Capital Requirements

Client Capital Requirements

Income Protection Required Insurable Income

Client

Total Insurance Required

Capital Requirements

Required Insurable Income

70%

Medical costs vary between advisors. Given it is hard to predict what the out-of-pocket medical costs will be if you suffer an injury or illness, advisors tend to pick an arbitrary figure. For myself, I have done some research in out-of-pocket medical costs, and I found that leukemia was one of the costliest illnesses a family would have to deal with. It is estimate that the out-of-pocket costs for leukemia is about $150,000. As such, I use $150,000 in my calculations.

Other Provisions

Income Protection

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

Future Education Costs

$96,000

$150,000

Waiting Period

30 days | 90 days | 180 days

Medical Costs

Benefit Period

2 years | 5 years | up to Age 65

Modifications to Home/Car

Provision for Tax

Other Provisions

Total Insurance Required

Let’s start by considering your debt. Assuming you had a mortgage of $500,000 and other debts totalling $35,000 e.g., credit card or car loan, you would then place the total amount of debt in the Liabilities row under Life, TPD and Trauma. Client

Life

TPD

Trauma

$535,000

Waiting Period

30 days | 90 days | 180 days

Future Education Costs

Benefit Period

2 years | 5 years | up to Age 65

Medical Costs

Modifications to Home/Car

Provision for Tax

Capital Requirements Liabilities to Clear (Mortgage)

Income Protection Required Insurable Income

Other Provisions

Total Insurance Required

70%

When it comes to modifications to home or car, this is where I do use an arbitrary figure of $100,000. If someone suffers a major Total and Permanent Disability (TPD) and needs wheelchair access, the cost could easily be $100,000 to upgrade the car and modify access to the home, bathroom, toilet, etc. JULY 2022 | FIND YARRA RANGES

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I am going to jump to Income Protection Cover as this will have a bearing on Other Provisions and Provisions for Tax. Laws have changed and most insurers will now only allow you to cover 70% of your earnings. So, if you are earning wages of $120,000 per tax, they will only allow you to insure yourself for $84,000 ($120,000 x 70%) or $7,000 per month. Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

Future Education Costs

$96,000

Medical Costs

$150,000

Capital Requirements

Modifications to Home/Car

$100,000

Provision for Tax

Other Provisions

Total Insurance Required

Income Protection Required Insurable Income

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

For Other Provisions, we include Funeral costs of $25,000 under Life. Under TPD, assuming you are getting Income Protection Cover, we calculate how much income you would not have received from income protection e.g., 30%, and multiply that by the number of years left until you are able to apply for the age pension at age 67. If your wages were $120,000, then 30% would be $36,000. If your age was 52, you would have 15 years until you were able to apply for the age pension. Therefore, we multiply 15 x $36,000 = $540,000. For Trauma, we ask the question as to whether you need any additional funds before your Income Protection starts to be paid. Given most people are on a 90 day wait then they may need 3 months’ worth of wages (assuming no savings) = 3 x $10,000 = $30,000. Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

Future Education Costs

$96,000

Medical Costs

$150,000

Modifications to Home/Car

$100,000

Provision for Tax

Other Provisions

$25,000

$540,000

$30,000

Capital Requirements

Total Insurance Required

Client Liabilities to Clear (Mortgage)

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to provision for tax, many clients are unaware that if you suffer a TPD event and the TPD is held in super, you will have to pay about $25% in tax on the amount you have insured. For instance, if you have $100,000 of TPD cover in super and are entitled to be paid out, you are likely to lose $25,000 in tax and only be paid around $75,000. So, it is important to consider the tax side of things when it comes to TPD. With our example, assuming the total amount of TPD is to be held in Super then the taxable amount would be around $355,250 in tax.

TPD

Trauma

$535,000

Future Education Costs

$96,000

Medical Costs

$150,000

Modifications to Home/Car

$100,000

Provision for Tax

$355,250

Other Provisions

Total Insurance Required

$25,000

$540,000

$30,000

$806,000

$1,776,250

$811,000

Income Protection Required Insurable Income

$120,000

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

70% = $7,00 per month

We now have a rough idea as to how much cover we should have in place for Life ($806,000), TPD ($1,1776,250), Trauma ($811,000) and Income Protection ($7,000 per month). Life, TPD and Trauma are lump sum payments. This means that if you have an illness or injury and meet the insurers definition for a payout, then you or your loved ones will receive these amounts as a lump sum. Income protection is not a lump sum payment but a regular monthly payment to replace lost income from injury or illness. After the waiting period has passed, you will start to receive payments until you return to work or for the length of your benefit period, whichever occurs first. Needless-to-say, those of you who have a mortgage or debt, the amount of insurance you should hold will be higher than those without debt. Once you have an idea as to how much cover you need, the next step is to work out how much cover you can afford. I call this the difference between what is ‘ideal’ (what the advisor works out) to what is ‘real’ based on your cash flow and affordability. I jokingly state that the two shall never meet because it is not often that clients are able to afford the ‘ideal’ e.g., all the cove, that has been calculated. Once you decide on how much cover you require, then you need to request quotes to determine if the amount you requested is in fact affordable. You need to be aware, when requesting quotes of the following: a. b.

Income Protection Required Insurable Income

Life

Capital Requirements

Level vs Stepped – if you are young, you should consider Level premiums. First year premium compared to cumulative premiums – it is now law to be told what your cumulative premiums will cost under Stepped and Level cover and not just told the first years Stepped premiums. Industry default cover vs Retail cover – it is often cheaper to obtain Life and TPD via a retail insurer than via your industry fund. These days you can have industry fund super but hold your insurance in super somewhere else. You don’t have to have your insurance with your super fund anymore. TPD ‘Any’ vs TPD ‘Own’ definitions – super funds do not offer TPD ‘Own’ cover. You should consider having TPD ‘Own’ definition, especially if you are a professional or work in an office type roll. Everyone should try and obtain TPD ‘Own’ if they can. IP and TPD in super or Super-linked – if you have a mortgage you might like to consider taking out Superlinked IP or TPD.

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We will discuss in further details the above, but it is worth noting that personal insurance is not just about the amount of cover you should get. There are a lot of other factors to consider. Therefore, it is important to speak to a qualified financial advisor about your personal insurance needs and not to simply read a book that tells you to take out cover with industry fund. Industry fund cover is ‘good’, but it is not ‘better’ or ‘best’ practice. That type of simply advice might have applied 10 years ago but it does not apply now. If you simply take out cover with an industry fund you are likely to pay more in cover and be provided with sub-standard terms.

insurances sorted out once and for all. Rather than putting it off, spend 30 mins having a conversation to work out what you need, and finally put this to bed knowing you and your family will have the right amount of protection in place for your current needs. This information is current as at June 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be

Just to re-iterate, the above figures are a quick way to work out the amount of cover you might need to consider having but we strongly recommend you seek advice from a professional licenced financial advisor and do this process correctly and get appropriate quotes once you know how much cover you wish to have in place. Book a time with myself (https://calendly.com/findgroup/15minute-phone-conversation) and get your personal

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

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

Strong outlook for Australian agriculture Mr Smith said beef, sheep meat, wool and dairy production were all forecast to deliver strong results in the second half of 2022. He told AAP that while global trade conditions have been challenging for some exporters, Australia has also been able to diversify the number of countries it sells to over the past year. By Liv Casben (Australian Associated Press)

Wet conditions across parts of the country haven’t dampened Australia’s agricultural outlook according to the latest report from Rural Bank.

strong production across most agricultural sectors. The report doesn’t account for this week’s wet weather across NSW.

Australian farmers continue to cash in on high commodity prices and strong production despite a volatile global environment, according to the bank’s half yearly outlook report.

Wet conditions are forecast to continue through to September across much of the country with the chance of a third La Nina weather event over the summer. Southern parts of Western Australia and Tasmania will likely see average rainfall.

Rural bank’s Andrew Smith says strong seasonal conditions for most of the country has seen strong results for farmers with forecasts that will continue. “It’s a good outlook and quite positive, and it’s great to see this three years in a row for our producers … where we’ve had good conditions across both the seasons and commodity prices,” Mr Smith told AAP. While heavy rainfall and flooding has provided a challenge for producers in Queensland and NSW, seasonal

The forecast is for above average Australian winter crop production for a third season in a row thanks to favourable weather conditions in most parts. Horticulture is also expected to see a return to strong production, after flooding in Queensland recently impacted supply.It’s expected the wet conditions will provide a boost to the nation’s cattle herd and sheep flock which are continuing to rebuild after the drought.

“For example lamb, we’ve been growing pretty strongly our lamb exports into the US for the last couple of years, but this last 12 months we’ve seen markets like the UAE, South Korea, Malaysia, Saudia Arabia increasing as well.” Australian sheep meat, almond, wool, lentil, and wine producers are expected to see big benefits from improved access to the Indian market with the recently signed interim Australia-India economic cooperation and trade agreement. The report concluded the relationship with Australia’s largest trading partner China has shown no tangible signs of improvement with a range of tariffs in place on Australian barley, wine, lobster and beef. It says little to no supply of grain available from Ukraine has driven strong demand for Australian grain, particular throughout Asia. Mr Smith said seasonal conditions, trade conditions and supply chain disruptions would all continue to impact output in the second half of 2022.

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2022 TA

Small business skills and training boost

Small businesses will get an additional tax deduction on top of the allowable deduction for training their employees. Announced in the 2022 Federal Budget, a business with aggregated turnover of less than $50

Announcement(29-Mar-2022)

million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to

Consultation

external training courses delivered to a business’s employees by a registered training organisation in Australia.

Introduced Passed Royal Assent

The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.

Date of effect

Apprentice wage subsidy programs All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets.

Announced: 12-Mar-2020 Updated: 12-Apr-2022

Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected economic downturn due to COVID-19. The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%. The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for

Royal Assent(31-Mar-2022)

businesses who claim fuel tax credits.

Date of effect(30-Mar-2022)

50% minimum pension drawdowns extended for another 12 months Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year. This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023. This measure is intended to support retirees in managing the impact of the: •

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

Announced: 22-Mar-2020 Updated: 12-Apr-2022

AX UPDATES Non-commercial losses and the Commissioner’s safe harbour

Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

Announcement(11-May-2022) Consultation period(21-Jun-2022) Released

The business will be required to show necessary evidence to support using the safe harbour. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

Non-commercial losses and the Commissioner’s safe harbour Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic. The business will be required to show necessary evidence to support using the safe harbour. On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted

Announcement(23-Feb-2022)

from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include

Consultation period(29-Apr-2022)

significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings.

Released

These dealings are excluded from the anti-avoidance provisions. Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing. Trustees need to make sure that their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

Queensland land tax to include interstate landholdings Queensland has become the first jurisdiction in Australia to change land tax rules relating to taxable landholdings. Under the proposed changes, a landholder will have their land tax calculated based on their total

Announcement(21-Jun-2022) Consultation

Australian landholdings. The calculation will then be pro-rated to reflect a taxpayer’s Queensland-only

Introduced(21-Jun-2022)

taxable landholdings.

Passed(24-Jun-2022) Royal Assent

Once passed, the new legislation will commence from 1 January 2023, meaning that the first calculation

Date of effect

under the new rules will take place on 30 June 2023.

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022) Royal Assent(31-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for

Date of effect(30-Mar-2022)

businesses who claim fuel tax credits.

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HOUSE OF THE MONTH

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Yarra Ranges Council Peninsula Shire are ‘peri-regional’ status Government, which funding opportunities projects.

and Mornington seeking a new from the State would unlock for community

Yarra Ranges Council endorsed its position to advocate to State Government for peri-regional status at last night’s Council Meeting. Council has written to the State Government and shared a report commissioned in partnership with Mornington Peninsula Shire, which provides the evidence and analysis underpinning their advocacy for a new status, peri-regional. This new status would allow both Councils to retain their metropolitan classification while gaining access to regional funding programs to better support their outer, more-regional communities. Yarra Ranges Mayor, Cr Jim Child, said this new status would allow both municipalities to deliver more benefits for their regional communities, and for the state as a whole. “Really, this is just the inverse of the precedent that’s been set by the periurban group of councils,” Cr Child said.

Council Seeks Peri-regional Status

“We’ve heard from our residents and local businesses for many years now that the challenges, opportunities and potential of our regional areas need to be better recognised by the State Government. There are funding streams available to support regional communities, but neither Yarra Ranges or Mornington Peninsula have consistent access to these programs, despite having towns that locals would call ‘regional’. “A peri-regional status would unlock our ability to apply for regional funding streams from both State and Federal Governments, creating greater opportunities for our tourism, agricultural and cultural industries in the process.

creatively delivered, when the simplest answer is a small administrative adjustment by the State, to better recognise our regional areas.

charities and organisations, who deliver services to our regional areas, rendering them unable to access regional funding programs also.

“Currently, we need to dip into urban funding streams to deliver regional projects.

“As a result this leaves us spreading ourselves thin with what we can apply for and puts a handbrake on how much we’re able to deliver to our community.

This means that proposals for funding can get knocked back, or have to be

“Our current metropolitan status also has an impact on our local community groups,

For more information on Council’s periregional advocacy, including a fact sheet and the full report, visit https:// www.yarraranges.vic.gov.au/Council/ Advocacy/Peri-regional-status.

Council News

Council seeks peri-regional status Council has been working with and supporting highly impacted residents following the June 2021 storm which destroyed several homes in the Yarra Ranges. This support includes providing free dedicated planning advice and counselling. All land has some form of planning controls and the steep slopes that some properties are on in the Dandenongs means that there is a risk of landslip – which is why an Erosion Management Overlay (EMO) covers part of this location – and many others in Victoria. Overlays are part of the Victorian Planning Scheme which is applied by Yarra Ranges Council. This Overlay was introduced in 2000 following a number of landslides that caused deaths elsewhere in Australia. The steep slopes, combined with the extensive loss of the trees in the storm which had previously helped bind the soil, has exposed the soil structure, further increasing the risk of landslip. In order to assess the level of risk that a piece of land has, a Geotechnical Assessment needs to be undertaken by a specialist company. That assessment provides a level of risk that applies to the land and potential property. This is an early step in the planning application process for properties that are covered by an EMO. Recently a property that was destroyed in the June storm had a geotechnical assessment completed which identified a ‘moderate risk’ level. If a geotechnical assessment reports a ‘moderate’ or higher risk of property loss, that cannot be mitigated, a planning permit cannot be approved by Council as it does not comply with the current Yarra Ranges Planning Scheme. Yarra Ranges Mayor Cr Jim Child said, “We feel very deeply for the resident concerned in this matter to have gone through a disaster like the storm and then to face these complex planning

challenges is upsetting. “Due to the complexities of these properties, DELWP have funded some residents, including the impacted resident, with a planning consultant to help them navigate the process. In this instance the consultant has been working with the resident since the start of the year. “Council is yet to receive a planning application from the resident and the planning consultant and the resident’s technical team are examining if there is any way to mitigate the landslip risk and bring the classification down to low to see if the resident wants to continue with the planning permit process. “We have been discussing the issue of complex planning matters with the Department of Environment, Land Water and Planning (DELWP) and Bushfire Recovery Victoria (BRV) since the storm and have raised this specific issue. “Back in November 2021 we provided the State Government with our business cases for our storm recovery. This included requested funds to undertake geotech assessments for all properties lost in the storm covered with an EMO however this has not yet been agreed to. “We have raised this again and hope to work collaboratively with DEWLP and BRV to help our residents faced with this difficult situation. Together we are exploring a number of options that may help residents facing this situation some of which are established responses. “We are also reviewing work undertaken by other Councils in relation to landslips and exploring the possibility of a Planning Scheme Amendment to review and update the existing EMO. Any amendment would need to be based on a review undertaken by a geotechnical expert and these processes take time. “Council is aware of a small number of other properties that are storm effected and may be facing a moderate risk of landslip but this is not clarified until individual sites undertake their

geotechnical studies to submit with a planning permit. Council officers have already contacted these people. “Planning controls change over time, and often after a disaster it is when people discover that new or unknown controls apply to their property. For example, following Black Saturday Bushfire Management Overlays came into place and changes were made to the types of material and construction required to make properties safe and comply with the new standards. “But what often seems to happen is that people don’t know about these complex planning matters until they are faced with needing to rebuild. “The recent news about a resident who is facing struggles to rebuild on their land would be disconcerting to many of our residents. But not just our residents. These are serious conversations that more and more communities are being confronted with in the face of heightened extreme weather events and Council is committed to continuing to raise awareness of these risks and work with our community on these matters. “The Dandenongs is a beautiful place to live however it does come with some risks. Landslip and bushfire are known to be issues in this location. “Understanding what planning controls apply to your home is important and residents can find out what overlays apply by contacting our planning officers or searching the www.planning.vic.gov.au and entering your suburb. Even if you do have an Erosion Management Overlay applied to your land, it does not mean that it will necessarily be a risk. Only a geotechnical report will provide you with that information. “We will continue to work closely with our residents as they navigate through the planning scheme and we also have counselling support available. If you need assistance after the June storm you can contact our recovery team with by calling Council on 1300 368 333or emailing communityrecovery@ yarraranges.vic.gov.au.

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Walling Ward Councillor, Len Cox, said he was excited to see the community using the space, but encouraged community members to take their rubbish with them.

Making the Most of Community Parklets Council is encouraging people to make the most of community parklets, following recent littering in Montrose. Eleven parklets were set up during the pandemic, with funding from the State Government, offering alternative public seating while businesses were operating at reduced capacity, and reducing footpath traffic while encouraging social distancing. Recently, Council has received reports of littering at some parklets – from people leaving behind food and rubbish. Montrose Township Group President, Chelsey Cooper, said the parklet in town was a place to be treasured, and had to be treated with respect. “When we heard the parklet was coming to Montrose, and that it featured beautiful artwork and poetry from locals, we were delighted with the idea. This parklet is another way we can gather together and also celebrate local talent,” she said.

“A small minority of people aren't treating it with respect and rubbish has been found strewn around the space regularly. Just recently, two locals came by with mops and brooms to tidy it up after a particularly messy evening - they cared that much about this new space, and we are so grateful for them! “Most locals take a real pride in our town, and we see that through people actively caring for our place. Whether it be official clean up days where the community gathers together to tidy up the town, or when a couple of friends or family members venture out with a bag to pick up items, there are so many locals who show they care about our town. “It’s a good reminder to all of us that we all have a responsibility to make it a place we can feel proud of.” While the community parklets were an aspect of Council's pandemic recovery response, the long-term benefits of the spaces are valued by community members and businesses alike.

“Parklets are a popular place to linger over a takeaway coffee or share a takeaway meal, while still enjoying the local ambiance and atmosphere of the town,” he said. “These community spaces are there to be enjoyed responsibly, and with respect to all community members that access the space. Councillor Cox said that although the parklets are designed to be moveable, and other townships are interested in having a parklet in their community, he was committed to supporting the Montrose community to keep the space. “Council has increased the number of visits to the area by the Infrastructure Team to assist with regular cleaning and is installing a third rubbish bin in the location. We encourage the whole community to value this space, keep it clean and keep it in Montrose.” Ms Cooper said the Township Group was also hopeful the parklet will stay in Montrose. “The parklet is a lovely addition to our town, and it has the potential to stick around throughout summer so we can enjoy it over the warmer months too. But if we don't care for it, it will go - as will the local colourful artwork and poetry. If we can all take a moment to remind ourselves and each other we are all responsible for caring for our town, perhaps this parklet can remain a clean and safe space for us to gather for months to come.”

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JULY 2022 | FIND YARRA RANGES

Introducing Region of Choice Yarra Ranges Council is excited to launch our employment campaign, Region of Choice, which will tackle employment challenges for our businesses and celebrate the region as a premier employment destination. As part of Region of Choice, businesses will be invited to sign up to a values charter, while a jobseeker-focussed marketing campaign will highlight the Yarra Ranges’ variety of industry, spectacular environment and accessibility to Melbourne. The campaign will target job seekers, commuters, locals and those within 50km of the Yarra Ranges, encouraging them to come and work in Yarra Ranges – and find a job they will love. Jessica Hillbrick of Montrose hospitality venue, Mary Eats Cake, said that they joined Region of Choice to be recognised as a great business to work for. “We were looking for a body that would represent us as a good employer, and help us build that reputation,” she said. “It’s also good to have a variety of options – like JobLink – when looking for staff. Yarra Ranges Mayor Jim Child said the campaign would help businesses draw in new staff, and help connect job seekers with engaging, interesting, and fulfilling careers in one of the most visited regions of Victoria. “Yarra Ranges is in the enviable position of being so close to Melbourne, and the suburban employment pool, while being situated in some of the most beautiful landscape in Victoria,” he said. “We know our businesses need more staff across all industries. Council is excited to lead the way in showcasing everything the region offers to jobseekers. We have value-driven employers who take care of their staff, opportunities for careers in growing industries from tourism to health, manufacturing to the creative arts, construction to retail. And it is all right here, on Melbourne’s doorstep.” “Why would you work anywhere else?” The Your Reason Your Ranges campaign will be rolled out across digital and traditional media to reach as many potential employees as possible.

The campaign will tell the story of how diverse and unique industries are in the Yarra Ranges, highlighting the opportunities for people looking for work – no matter what stage of their working life they may be in. “This campaign is launching at a crucial time for our region, as tourism returns and our world-leading manufacturers access to interstate and global markets begins to stabilise,” Cr Child said. “Staff shortages can have a devastating effect on both production and supply chains, hampering recovery efforts.” “There’s never been a better time to encourage people to work in the Yarra Ranges.”

Underpinning the campaign is Yarra Ranges JobLink, the job search portal connecting local people to local jobs. Businesses can list their jobs on the platform for free. The Region of Choice strategy has been developed in consultation with our business community and forms a key piece of our COVID-19 Relief and Recovery strategy. Yarra Ranges businesses can sign up to be part of Region of Choice here.

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Yarra Ranges

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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.

Eat

Shop

JOIN US FROM 8PM EVERY FRIDAY AND SATURDAY NIGHT FOR LIVE ACOUSTICS! Book your table now: https://www.sportingglobe.com.au/whatson/acoustic-sessions/chirnside-park

THE SPORTING GLOBE STORE DETAILS

11:30am - 10:30pm today | View on Map | 03 7002 2947 | More about the store

NORTHERN TERRITORY ON SALE Flight Centre will help you say 'see ya later' to the daily grind and 'g'day mate' to the beauty of the Red Centre. Discover an array of fascinating sacred sites and wander through the field of light. The Red Centre is on sale now and there's no better time to tick Uluru, Alice Springs and Kings Canyon off your bucket list. Still not sure? You will also receive a $250* discount for every $1000* spent (that's pretty much 5 cases of Great Northern, on us). Book now!

THE SPORTING GLOBE STORE DETAILS 9am - 5:30pm today | View on Map 03 9726 7944 | More about the store JULY 2022 | FIND YARRA RANGES

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

Downsizer Contribution RETIREMENT By Warren Strybosch

What is the downsizer contribution? The downsizer contribution is an amount of up to $300,000 that can be paid in to your super, from the proceeds of selling your home. If you have a spouse, the total contribution is up to $600,000 ($300,000 each). A downsizer contribution does not count towards your contribution caps,1 and can still be made if you have a total super balance of $1.7 million or more. Downsizer contributions are only available where the contract of sale was exchanged on or after 1 July 2018, and must be made within 90 days of receiving the proceeds of sale. Who is eligible?

Eligibility is determined by the Australian • Taxation Office (ATO). The ATO outlines eligibility to make a downsizer contribution as follows: • You (and if applicable, your spouse) will be eligible to make a downsizer contribution to super if you can answer yes to all of the following: •

•

You are 60 years old or older at the time you make a downsizer contribution (there is no maximum age limit)

•

The amount you are contributing is from the proceeds of selling your home, where the contract of sale was exchanged on or after 1 July 2018. • Your home was owned by you or your spouse, for 10 years or more prior to the sale (the ownership period is generally calculated from • the date of settlement of purchase, to the date of settlement of sale).

Your home is in Australia and is not a caravan, houseboat, or other mobile home. The proceeds (capital gain or loss) from the sale of the home are either exempt, or partially exempt from capital gains tax (CGT) under the main residence exemption, or would be entitled to such an exemption, if the home was a CGT rather than a pre‑CGT (acquired before 20 September 1985) asset. You have provided your super fund with the Downsizer Contribution into Superannuation form either before, or at the time of making your downsizer contribution. You make your downsizer contribution within 90 days of receiving the proceeds of sale, which is usually at the date of settlement You have not previously made a downsizer contribution to your super from the sale of another home.

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JULY 2022 | FIND YARRA RANGES

Please note If you sold your house and your name (and not your spouse’s) was listed on the title of your property, your spouse can still make a downsizer contribution, or have one made on their behalf, provided you both meet the eligibility criteria. If you have a spouse, the combined total contribution is up to $600,000 ($300,000 each), and both you and your spouse will need to complete the form at the end of this factsheet.

Downsizer contribution examples

A couple sells their home for

The maximum contribution cannot exceed $400,000 in total. This means they can choose to contribute half each, or split it - for example, $300,000 into one account and $100,000 into the other.

A couple sells their home for

Out of John and Fatima, only John is on the title. They both meet all the other requirements, therefore John and Fatima can make a downsizer contribution of up to $300,000 each.

$400,000

$600,000

A couple sells their home for

$800,000

Each spouse can make a contribution of up tp $300,000.

How to make a downsizer contribution

What else should I know?

• •

•

While the downsizer contribution must be made within 90 days of receiving the proceeds of sale, in some circumstances you may be able to request an extension from the ATO. Please contact the ATO for more information.

•

The downsizer contribution does not count towards your contribution caps. However, when you move your super savings into retirement phase, it will count towards your transfer balance cap,1 currently $1.7 million.

•

You can make more than one downsizer contribution from the proceeds of a single sale (up to your limit). However, all contributions must be made within 90 days of receiving the proceeds of sale, unless you have been granted an extension.

• •

Downsizer contributions are not tax deductible. Downsizer contributions will be taken into account or determining eligibility for the Age Pension.

• •

Check your eligibility to make the contribution Complete the Downsizer Contribution into Superannuation (obtain from ato). Send this form to your superannuation fund. Ensure that you send the form before or at the time that you make your downsizer contribution.

What if ATO determines that I’m not eligible? Eligibility to make a downsizer contribution is determined by the ATO. If the ATO subsequently determines that your contribution does not meet the downsizer contribution eligibility requirements, they will notify you, and QSuper. Once we are notified, we will assess whether your contribution could have been made as a personal contribution, and which contribution cap it will count towards. If it is decided your contribution can not be accepted, we will return the contribution amount to you.

Where can I find more information? The ATO provides detailed information on downsizer contribution eligibility. Visit ato.gov.au/downsizing or call the ATO on 13 10 20

1 Transfer balance cap – A limit on the total amount of superannuation that can be transferred into tax-free retirement products. You can find more information on the transfer balance cap in the Tax Explanation factsheet. This is general information only, so it does not take into account your personal objectives, financial situation,or needs. You should consider whether the product is right for you by reading the relevant product disclosure satement (PDS) and target market determination. (TMD) available at qsuper.qld.gov.au/PDS or call us on 1300 360 750 to request a copy. Where necessary, consider seeking professional advise tailored to your individual circumstances.

JULY 2022 | FIND YARRA RANGES

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PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home. Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address. 2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required). 3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes. 4. We will then require you to upload your documents to our secure portal. 5. Once we have received all your documentation, we will complete the return. 6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • • • • • • • • • • •

Find Accountant ----------------- 30 Financial Planning ------------- 00 Find Insurance -------------------- 31 Bookkeeping ---------------------- 00 Editor|Copywriter --------------- 00 General Insurance ------------- 31 Life Coach --------------------------- 00 Signages ------------------------------ 00 Mortgage Brokering ----------- 00 Solicitor/Lawyer ------------------ 00 Architect ------------------------------ 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.

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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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.

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

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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the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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.

JULY 2022 | FIND YARRA RANGES

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LOCAL TRADIES

TRADIES - FREE ADVERTISING Consider the Local Tradies as a Find Network Members in Yarra Ranges and receive referrals. If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

info@findnetwork.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • 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

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.

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.

JULY 2022 | FIND YARRA RANGES

HOME & GARDEN HOME & GARDEN

PAGES

TRADIES - FREE ADVERTISING Do you provide services in the Yarra Ranges area? Join as a Find Network Member in the Find Yarra Ranges. To be able to tell your services and advertise for FREE in our community paper. If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

info@findnetwork.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

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

PAGES

Warren Strybosch 1300 88 38 30

info@findnetwork.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

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

JULY 2022 | 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.

JULY 2022

FREE ADVERTISING Religious Groups and Churches Services Times

Public Notices

Yarra Ranges 1300 88 38 30 editor@findyarraranges.com.au JULY 2022 | FIND YARRA RANGES

Birth, Deaths & Marriages JULY 2022

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

SEND US YOUR NEWS!

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

Birth, Deaths & Marriages JULY 2022

Email: info@findnetwork.com.au

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

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

JULY 2022 | FIND YARRA RANGES

YARRA RANGES

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

LOCAL COUPONS

31 February 2022 - 31 February 2023

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

FIND CARD LOCAL OFFERS

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003

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

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Brekky, Brunch & Lunch The best memories are made when gathered around the table

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

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

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Entertainment

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

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Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site. The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

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

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

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Yarra Ranges JULY 2022