Yarra RangesThe SEPTEMBER 2022 WHAT’S INSIDE: 04 LOCAL STORIES 14 COLUMNIST ARTICLES 20 TAX NOT-FOR-PROFITUPDATES EVENTS & ARTICLES 24 26 YARRA RANGES COUNCIL NEWS 22 42 FIND REALCOUPONSESTATE-RENTAL LISTINGS SUPPORT LOCAL, BUY LOCAL, DISCOVER YARRA RANGES 40 FIND BIRTH, DEATHS, & MARRIAGES info@findaccountant.com.au | www.findaccountant.com.au PLATINUM SPONSOR SEPTEMBER0418GeneralCRAIGSPONSORANDERSONInsurance300096 sales@heightsafetyinsurancebrokers.com.auwww.heightsafetyinsurancebrokers.com.au
COLUMNIST
REFERRALS
COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT WARREN STRYBOSCH GENERAL INSURANCE INSURANCE BROKERS CRAIG ANDERSON We are looking for business owners who would like to be part of the Find Yarra Ranges Network Group. • LAWYER • SOLICITOR • MARKETING • FINANCIAL PLANNER • FINANCE BROOKER • ARCHITECT • BOOKKEEPER • ELECTRICAL OPERATIONS • BUSINESS COACH • PHOTOGRAPHER • TRAVEL AGENT • PSYCHOLOGIST • WEBSITE DEVELOPER • PROJECT MANAGEMENT • WEDDING PLANNER • FITNESS TRAINER • LEFE COACHING • PERSONAL TRAINER • PLUMBER • PAINTER • GARAGE DOORS Your membership will be entitle you to the following: EXCLUSITIVITY 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. SUPPORT Be with other like minded business owners who will encourage your endeavours.
Recieve referrals from the other business owner’s. OUR MISSION TO SUPPORT AND PROMOTE ALL THINGS YARRA RANGES. ADVERTISEMENT Free advertisement in Find Pages of the online paper.
Write Article each month about your business. Become known as the expert in your field amongst the local community
EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 info@findnetwork.com.au
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.
EMAIL SPORT: info@findnetwork.com.au
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.
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.
ALL THINGS YARRA RANGES
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.
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.
By Warren AboutStrybosch the Find Yarra Ranges
GENERAL ENQUIRIES: 1300 88 38 30
Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing
Follow us on facebook (https://www. facebook.com/findyarraranges) so you keep up to date with what we are doing.
The Find Yarra Ranges Team.
ACKNOWLEDGEMENT
ADVERTISING RATES (INCLUDE GST) Available Sizes: NEXT ISSUE Next Issue of the Find Yarra Ranges will be published on Friday October 8, 2022. Advertising and Editorial copy closes Monday October 3, 2022. Rates: • Double Page Spread (408 x 276mm) $1650 • Full Page (198 x 276mm) $1100 • Half Page Landscape (198 x 138mm) $715 • Half Page Portrait (95 x 276mm) $715 • Third Page (189 x 90mm) $550 • Quarter Page (97 x 137mm) $440 • Business Card Size (93 x 65mm) $275 • Ads Smaller than (85 x 55mm) and Below $121 We can Create your ad for you. Prices start at $77 for the very first hour and $22 for each other thereafter. • Design Services
PUBLISHER: Issuu pty Ltd
ADVERTISING AND ACCOUNTS: info@findnetwork.com.au
WEBSITE: www.findyarraranges.com.au
We value your support,
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.
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.
The
OUR NEWSPAPER
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.
POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134
We value your support,
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.
findyarraranges.com.au 3SEPTEMBER 2022 | FIND YARRA RANGES 3AUGUST 2022 | FIND YARRA RANGES
DISCLAIMER
Yarra Ranges
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.
PLAN YOUR DAY!
Where do else do you want to be but in a space filled with fluffy, cuddly, adorable baby animals? The animal nursery is a cuteness overload. Get up close to baby goats, lambs, ducklings, chooks and more. Buy a cup of feed to hand-feed the animals and chat to the farmer to learn about how the animals are cared for and raised back home on their
With all kids aged 14 years and under free, this year's show is even greater value.
Show plans sorted
As you browse the Melbourne Royal Show website you can add events to your favourites, and get a custom itinerary for the day you want to visit.
Come and explore this new family friendly farm-themed precinct. full of free activities for the whole family, it's not to be missed. Be sure to snap a pic in front of the amazing hay bale animals, get stuck into digging for veggies!
Greattoday.Value
The agricultural competitions are the heart of the Melbourne Royal Show. The Kubota Australia Livestock Pavilion is a hive of activity throughout the Show with different animals competing every single day, so head there to cheer on the champions!
Milking Experience
Tickets are only available for purchase online this year - head to royalshow.com.au to plan ahead and make your ticket purchase Tickets
With lots of events already up and more being added daily leading up to this year's Show, it's time to plan your day!
4 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
Pentavite Junior Harvest Journey
Animal Nursery
MELBOURNE ROYAL SHOW - THE SHOW IS BACK! HERE!
PURCHASE YOUR TICKERST
LEARN MORE IT's HAPPY Time
PURAfarm.
Are you wondering "how am I going to see EVERYTHING at the show this year?" Wonder no more because the daily program has arrived!
Animals on Show
Try your hand at the milking experience at the PURA Pavilion. Meet some friendly Jersey cows, learn a new skill and find out more about life on a dairy farm!
It's CREATE time!
MeetShow.Local Heroes
Go Behind The Scenes
Meet local heroes in the 9News Lifestyle & Local Heroes Pavilion at the 2022 Melbourne Royal Show. Don't miss the familyfriendly activities from Fire Rescue Victoria and Victoria State Emergency Service, as well as free education activities for children. Learn more about railway safety with Metro Trains as they set up on of their very own carriages.
elbourne based printmaker Jackie Jackson from Jax Studio Melbourne, takes up residency in the Spotlight Makers Pavilion. She will work on a variety of pieces and be on hand to answer an6 creative questions you may have! Add this must-see event to your favourites using the Daily Program!
Artist In Residence
IT'S CRAFTING TIME
Get creative and take home your on handmade Show memento from the Spotlight Makers Space in the Spotlight Makers Pavilion. Try a range of art ad craft activities with the help of talented makers.
findyarraranges.com.au 5SEPTEMBER 2022 | FIND YARRA RANGES 5AUGUST 2022 | FIND YARRA RANGES
Spotlight Create Space
IT'S FUN TIME
LEARN MORE
Ever wonder what it takes to present the news each night? This is your chance to sit in the main chair and record your own 9News bulletin. Are you a fan of the block? Take a photo at Block HQ and have a crack at building your very own block house. Don’t miss all the action at the Channel 9 site, located in the 9News Lifestyle & Local Heroes Pavilion, from 10am to 6pm daily during the 2022 Melbourne Royal
6 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
give blood
to download the
findyarraranges.com.au 7SEPTEMBER 2022 | FIND YARRA RANGES 7AUGUST 2022 | FIND YARRA RANGES
Donate Blood App the code below with smart phone Donate Blood app from your device’s app store.
your
13 14 95 Our Donate Blood app is app-solutely the easiest way to manage your appointments! Scan
Can I donate?
• you’ve had at least 750 mL (3 large glasses) of fluids in the 3 hours before your donation you’ve completed the Donor Questionnaire and met any eligibility criteria, and
• you’ve been assessed at the blood donor centre (we’ll check you have suitable veins and haemoglobin levels).
• you weigh at least 50 kg you’ve got your photo ID, donor card or the Donate Blood app
1. When you arrive, you’ll need to complete our Donor Questionnaire. It’s totally confidential and designed to protect you and the person who receives your blood.
• Rest in the chair for five minutes and, when you’re ready, sit up with your legs dangling over the edge. Take a seat in our refreshment area. It’s important to rehydrate and have something to eat, so help yourself to a cool drink and a savoury snack. You’ll need to stay at the donor centre for at least 20 minutes (even if you feel fine). It’s a great time catch up on some reading, listen to music, or make the most of our free Wi-Fi.
To do the most good, every donation needs to be as safe as possible for the donor and the person receiving it.
8 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
4. You’ll be with us for about an hour, but the actual giving process takes just 15 minutes (sometimes less!). Our team will be on hand to help the whole way through, so if you’re feeling unwell or uncomfortable, let someone know straight away.
You’ll have done something genuinely life-saving and we hope you’ll be feeling great about it. However, it’s really important to relax, refresh and follow our advice.
For at least 8 hours: don’t do any heavy lifting drink plenty of water (at least another three large glasses) eat regular meals don’t stand up for long periods
You should be good to give if:
• on the day before your donation, you’ve had 8 glasses of fluid if you’re a woman and 10 glasses if you’re a man, as well as plenty to eat
What happens on the day?
2. Before we get going, you’ll be asked to have two more glasses of water and we’ll give you some information on easy muscle tensing exercises that can help stop you feeling faint during your donation.
There are some cases where we may have to re-schedule. Like, if you take certain medication, you’re pregnant, you’ve travelled recently, you’ve had dental treatment in the last week, or you’ve had a tattoo in the past 4 months. However, if the tattoo was done on licensed or regulated premises in Australia (like a commercial tattoo parlour or a cosmetic clinic) and is healing well, you can book in to donate plasma instead.
• don’t drink alcohol.
An introduction to blood donation
Don’t worry, you’re in safe hands. But so you know what to expect, here’s a walk-through of what’s involved:
3. You’ll then have a private, confidential interview with a trained staff member and we’ll check your haemoglobin level (a protein that carries oxygen around your body and contains iron) and take your blood pressure. If it’s your first time donating, we’ll also ask for your height and weight. Safety is our top priority, so these health checks are for everyone.
Let us know how you go
After you’ve left the donor centre
Learn how blood donation makes a genuine difference
What it means to give blood
Giving blood has got to be one of the most rewarding things you can do to help another person — there’s no other feeling like it.
• keep the bandage on your arm, and • stay hydrated.
• stay cool — avoid hot showers, sitting or standing in the direct sun and choose cold drinks rather than hot drinks, and
Unsure if you can give blood? Find out more at donateblood.com.au or give us a call on 13 14 95
For at least 12 hours
December 2020
Straight after you donate
There is a chance that you’ll get a bruise or feel faint after your donation. To help stop this from happening, be sure to follow the advice below.
• you’re aged 18–75, if it’s your first time (you can be older than 75 if you’ve donated in Australia before) you feel fit and healthy, and don’t have a cold, flu or any other illness
Avoid strenuous exercise (e.g. riding, jogging, or going to the gym) or hazardous activities, including activities or jobs where public safety may be affected. You should check any employment or safety requirements you have. If unsure, please ask us at your interview.
If you start to feel unwell, or if you’re worried about anything at all, don’t hesitate to give us a call on 13 14 95
Donated blood can be used in many life-giving ways. The person receiving it could have cancer, be going through a difficult pregnancy, or they could be someone who relies on regular transfusions to live a healthy, happy life — or even to live.
Your guide to giving life
For the next 2 hours:
Platelets
One Yourdoesdonationwondersbloodcanbemade
Most people give less than 10% of their blood volume in one donation, which is usually replenished in just two days. But, because it takes longer to replace the iron in your blood, you’ll need to wait 12 weeks before you can give again.
After you give blood, your body needs iron to help replace the haemoglobin and red cells you give in your donation.
Plasma
An introduction to blood donation
O- 9% O+ 40% A+ 31% A- 7% B+ 8% B- 2% AB+ 2% AB- 1% O-9% A+31% O+40% A-7% B+8%B- AB+ AB13 14 95 give blood December 2020
many different life-giving medical treatments — with a third of all donated red cells going to people fighting cancer.
We’ll always check that you have enough haemoglobin to give before you donate. However, this test is different to checking your iron levels (you can have normal haemoglobin but low iron), so if you’re worried, speak to your doctor before donating.
• 10% fractures and joint replacements
Women aged 18–45 are especially susceptible to becoming low in iron, which is why we recommend a short course of iron supplements after each donation. For more about looking after your iron levels, head to com.au/iron-health-womendonateblood.
Does my blood type matter?
Each blood donation you make is separated into three parts, each used in different ways.
Red cells
Over time, giving blood can contribute to low iron levels, so we’ve put together some helpful tips on replacing your iron at donateblood.com.au/iron-health
• 19% anaemia
findyarraranges.com.au 9SEPTEMBER 2022 | FIND YARRA RANGES 9AUGUST 2022 | FIND YARRA RANGES
• 2% road incidents and trauma
Used in 18 life-giving ways, including: Protecting people with immune againstProtectingTreatingProtectingdeficienciesagainsttetanusbraindisordersnewbornsRhdisease
into
Your guide to giving life
We use brand new equipment for every donation — that includes the needle, tubing and bags.
• 13% heart, stomach and kidney diseases
• 4% help pregnant women, new mothers and young children
To find your nearest donor centre, book a donation, or learn more about giving blood, get in touch on 13 14 95 or head to donateblood.com.au
about your blood type and how it can help at
We work hard to protect the people receiving your blood and test every donation for blood type as well as HIV, human t-lymphotropic virus (HTLV), syphilis and hepatitis B and C. Remember, we’re testing to protect the people who receive your blood donation. We’ll tell you if we find anything, but for your personal health, you need to get checked by a doctor.
What do we test for?
When someone is given blood (called a transfusion), it’s best to give them the same blood type as their own. Some blood types are more compatible than others, and some are universal, like O negative. Because it can help people with any blood type, O neg can save the day when there’s no time, or it isn’t possible, to find out a patient’s blood type — like in a life-threatening Learnemergency.more
• 34% cancer and blood diseases
WheretypesPercentageslearn/about-blooddonateblood.com.au/ofbloodinAustraliaRemember,everydonationgiveslife.So,whatevertypeyougive,someoneouttherewillbetrulygrateful.canIgiveblood?
Treats serious bleeding, often in patients with leukaemia and other cancers.
• 18% heart surgery and severe burns
Donating blood is a very safe process
“That’s why we took the pragmatic step of wanting to have a discussion about
Mr Bowen said more work needed to be done in order for emissions targets to be
Foundation
Opportunities for the workforce from increased climate action and clean energy are set to be a focus of the government’s two-day jobs and skills summit, which starts on Thursday.
Climate Change Minister Chris Bowen insists Australia is now on a track to reduce emissions following a change of government, after new figures showed a rise in greenhouse gases.
greenhouse gas emissions are now at 21.6 per cent below June 2005 levels, the base year for our 2030 Paris Agreement target,” he said.
The panel is expected to include energy sector representatives and climate action
“The job opportunities are not limited to tackling the climate crisis. Australia also faces an extinction crisis. Looking after nature generates jobs, especially in rural Australia,” she said.
“Australia’sreached.
Data shows rise in Australian emissions
“2030 is only 88 months away, and the Albanese government will continue to work hard with industry, the states and territories and the broader community, to turn this ship around.”
The latest update of Australia’s National Greenhouse Gas Inventory saw emissions rise 1.5 per cent in the year to March 2022.
small scale modular nuclear, about reducing emissions in our energy sector,” he said.
“From sustainable farming to Indigenous rangers caring for country to accountants helping businesses understand their reliance on nature, caring for nature generates abundant Thejobs.”government has already moved to enshrine a 43 per cent emissions reduction target by 2030, with its climate bill passing the lower house.
Mr Littleproud said Australia had lived up to “every international commitment” it had made on climate change action.
“We’re going to need a national energy plan and a national exports plan that align with net zero, co-investment to accelerate clean exports and a transition authority to make sure the transition is fast and fair.”
“While the impact of this neglect can’t be turned around overnight, the Albanese government is getting on with the job of creating the market signals and reforms necessary for a booming Australian economy on a trajectory to net-zero by When2050.”
asked if the Nationals would consider backing legislating climate targets, leader David Littleproud said the path to net-zero was not a “linear one” and said his party would consider the advancement of new technologies.
Australianadvocates.Conservation
The figures represented the last full quarter before a change of federal Mrgovernment.Bowensaid the figures were not
recession could only interrupt the LNP’s decade of climate policy neglect for so long,” he said.
Andrew Brown and Tess Ikonomou (Australian Associated Press)
Ms O’Shanassy said there were economic advantages from climate change solutions.
chief executive Kelly O’Shanassy, who is speaking at the event, said the summit would be an opportunity to examine how jobs would look with a bigger focus on “Ourclimate.greatest contribution to a net zero world would be to rapidly transition our exports from dirty to clean,” she said.
10 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
“Evensurprising.aglobal
The first day of the program will include a panel discussion on climate change jobs and skills, and is expected to include a virtual address from Mr Bowen.
“ForOctober.financial
It is important as consumers to ask the following questions of the advisors you sit down with:
Financial Adviser Standards and Ethics Authority (FASEA) is a Commonwealth entity that was established in April 2017 to set standards for the ethical conduct, educational qualifications and ongoing training of licensed financial advisers in OneAustralia.ofthe
The pass rate of the FASEA exam has been on a downward trend since the inaugural sitting in June 2019 which had 90 per cent of 579 candidates pass. That dropped down to 79 per cent in April 2020 (the first to include remote proctoring), 69 per cent in May 2021, and only 328 candidates (52 per cent) passed in July and August exams.
By Warren Strybosch
• Over 2,500 are ceased advisers on the FAR and may be re-authorised in the future.
• Over 700 were new to the industry.
• Over 3,300 unsuccessful candidates have re-sat the exam, with 74% passing at a re-sit.
Authorised Representative (example Theprovided).latestsitting was the last opportunity for advisers who are operating under the nine-month exam extension to pass the exam. From 1 October 2022, all financial advisers must have passed the exam to continue to provide personal advice.
ASIC confirmed that 76 per cent of the candidates were resitting the exam for at least the second time.
ASIC has confirmed anyone eligible for the extension who has not passed in any of the three cycles this year will not be able to provide personal advice from 1
“If your licensee ceases your authorisation on or before 30 September 2022, you will still need to pass the exam before you can become re-authorised and re-commence providing personal advice. However, you will not need to complete a professional year and you will have until 1 January 2026 to obtain an approved degree.
Note: Currently, you cannot view who has or has not passed the FASEA exam. All you can do is check the ASIC website to see if the advisor is still registered as a financial planner. Go to asic.gov.au and selecting the ‘Professional Registers’ on the right. You then type in the Surname of the advisor and choose the appropriate registry e.g., Australian Financial Services
new laws that was introduced for all financial advisors, existing as well as those entering the financial planning industry, was to sit the FASEA exam. Since the introduction of the exam and the requirement to update financial planning qualifications from a diploma to at least a bachelor standard, the profession as seen a increase in the numbers of those leaving. No longer is this a place for salespeople.
If the advisor has not passed the exam and is not likely to meet their education requirements by 2026, then you need to consider whether they are the right advisor you want to be dealing with. Otherwise, you might start off with the first advisor only to find you have no choice but to move onto another advisor. This is not an ideal situation for anyone especially retirees. Also, moving to another advisor might require you to start all over again and who wants to pay all those initial fees again?
At Find Wealth, all our advisors have passed their FASEA exam and either have completed all their studies or will have well before the 2026 deadline. You can have peace of mind when dealing with Find Wealth that you won’t have to start all over again.
findyarraranges.com.au 11SEPTEMBER 2022 | FIND YARRA RANGES 11AUGUST 2022 | FIND YARRA RANGES
1. Have you passed the FASEA exam?
Has your Financial Advisor passed their Exam? If not, they CANNOT provide advice from October 2022 onwards until they meet new requirements
“If your licensee does not cease your authorisation on or before 30 September 2022, it will cease by operation of the law and you will no longer be able to provide personal advice. To become re-authorised and re-commence providing personal advice you will need to complete a professional year and
2. Have you completed your education requirements or are on track to do so?
• Over 15,800 are recorded as current financial advisers on ASIC’s Financial Adviser Register (FAR), representing 95% of current advisers on the FAR.
Of those who have passed so far:
advisers who are eligible for the exam extension, but have not passed the exam in 2022, there is an opportunity for you to take steps with your Australian financial service (AFS) licensee to limit the effect of this outcome,” ASIC said in a statement.
obtain an approved degree in addition to passing the exam.”
12 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au Find Aged Care Services 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? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.Areyouan established and experienced Financial Planner providing Aged Care Advice? Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services
Every September, for one week, Women’s Health Week is a reminder to set aside time for your health and wellbeing. Make an appointment for a health check, get active, join an event or simply connect with other women. You don't have to do it alone.
time failures are the Australian Catholic Superannuation and Retirement Fund Lifetimeone product, the Energy Industries Super Scheme-PoolA Balanced (MySuper)
The four funds which failed a second time are therefore no longer able to recruit new Themembers.second
It's all about you
You’ll receive a daily email with videos, recipes, quizzes, articles and tools to help you unlock your own powers for good health. All the health information we produce is based on research and reviewed by our expert medical team.
Health Week. Thousands of women across Australia subscribed to take part in a week of events and online activities, learning more their Nowhealth.in
In the lead up to the week, you’ll receive helpful information on how you can participate. Either getting together with friends, community and colleagues or maybe hosting an online event.
Women's Health Week is a nation-wide campaign of events and online activities – all centred on improving women's health and helping you to make healthier choices.
its 10th year, Women's Health Week is a celebration of women in Australia, women from all walks of life. In 2021 (despite a second year impacted by lockdowns and restrictions), more than 128,000 women participated in 2277 events, over 54,000 women subscribed to the online campaign and we reached over 3.6 million people via social media.
Then, on each day of Women’s Health Week, we focus on an important women’s health topic.
product, the BT Super MySuper Retirement Wrap and the AMG Super, AMG MySuper product.
About
The number of failures is lower than was expected from the performance test, the criteria for which is now subject to review by Treasury.
findyarraranges.com.au 13SEPTEMBER 2022 | FIND YARRA RANGES 13AUGUST 2022 | FIND YARRA RANGES
The first-time failure was the Westpac Group Plan MySuper Retirement Wrap.
Four Super Funds Fail For The Second Time In A Row
We are proud that Women's Health Week attracts the support of organisations, high profile ambassadors, businesses, community, sporting and media groups across the country.
Women's Health Week is recognised as the biggest week for women’s health and wellbeing in Australia and takes place annually in the first week of September. 9453 whw@jeanhailes.org.au8999
Women, communities and workplaces are encouraged to get involved by hosting an event, sharing the health information and encouraging women, girls and gender diverse people from all corners of Australia to put good health first.
Why Women’s Health Week?
5-11 September 2022 Contact Us 03
What's involved?
Jean Hailes Women’s Health Week is a week dedicated to all women across Australia to make good health a priority.
The Australian Prudential Regulation Authority (APRA) announced today the five funds that failed included four which had failed for a second time.
APRA have announced that Five superannuation products have failed the latest superannuation funds’ performance test, with four of them doing it for the second time in a row.
If you are a member of one of the above superannuation funds who is approaching retirement, we encourage to you speak to Warren Strybosch of Find Wealth t/a Find Retirement. Warren is a retirement planning specialist who has one of the best superannuation offerings in Australia especially when it comes to fees. He has helped preretirees and retirees save thousands in fees each year without sacrificing on service and advice.
In 2013, realising that there was no event dedicated to women's health in Australia, Jean Hailes for Women's Health ran the very first national Women's
You can call Warren Strybosch, one of Australians most reputable financial planners, on 1300 88 38 30
introduced mandatory 3 per cent contributions (or 4 per cent for employers where their payroll was above $1 million) into an employee’s superannuation fund. In the early days, the employer would set up the superannuation fund on behalf of the employee, whereas now the employee can choose their own superannuation fund and provide that information to the employer. The employer ‘must’ place the SGC into the employee’s superannuation fund if the employee so directs.
For most people who retire in the next 20 to 30 years, their superannuation balance will likely be their largest asset, apart from the family home, and provide an income stream for them in retirement. Will ever increasing uncertainty regarding the age pension, it will be an important asset to have.
SG contributions is a legislative requirement that all employers must pay to most employees. It is contribution of money, paid by the employer, on top of the employee’s salary or wages, into the employee’s superannuation account of
There is no minimum amount you have to earn. Prior to 1st July 2022, you had to earn more than $450 per month to be eligible. This has now been removed.
aged under 18, or those classified as a private or domestic worker (like a nanny), must work for their employer more than 30 hours per week to qualify for SG payments.
Period Super guarantee rate 1 July 2002 - 30 June 2013 10.00%9.50%9.25%9.00% 10.50% 12.00%11.50%11.00% 1 July 2013 - 30 June 2014 1 July 2014 - 30 June 2021 1 July 2021 - 30 June 2022 1 July 2022 - 30 June 2023 1 July 2023 - 30 June 2024 1 July 2024 - 30 June 2025 1 July 2025 - 30 June 2026 and onwards Contributions:GuaranteeSuperannuation Who should be receiving it?
ACCOUNTANT
Thankfully,receiving.
Thechoice.government
is not required to make SG contributions if you are a non-Australian resident and are paid to do work outside Australia, are an Australian resident but paid by a non-resident employer for work done outside the country, a senior
Most employers choose to remit the SGC on a quarterly basis when they do their BAS however some employers will pay it monthly or even fortnightly.
The Superannuation Guarantee contributions (SGC) have increased since 1st July 2022. However, there are many employers who don’t know what the correct amount is that they should be paying and who should be getting SGC.
Currently the SG rate is 10.5% and increasing over time until it reaches 12%. SG payments is paid as a percentage of an employee’s salary and wages or ordinary time earnings (OTE). Ordinary time earnings (OTE) is the amount your employees earn for their ordinary hours of work. It generally includes leave (annual, sick or long service), commissions, allowances and shift loadings, but doesn’t include overtime payments.
Current SG rate
By Warren Strybosch
Superannuation Guarantee: What is it?
14 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
Superannuation Guarantee rate: 2002 to 2026Who
SGC is an important part of every person’s financial position. It represents, for most people, the key asset they will have leading into retirement. As such, it is important to understand if you are entitled to it, if your employer should be paying it and how much you should be
Temporary residents are also entitled to receive SG payments into their super Youraccount.employer
the rules around SGC were made a little simpler, with most employees able to receive it.
(Source: ato.gov.au)
is eligible to receive SG contributions?
If you are a full-time, part-time or casual employee, and over 18 years of age, you are Employeeseligible.
The MSCB for 2022–23 is $60,220 per quarter ($240,880 per year), which equals a maximum SG contribution by your employer of $6,323 per quarter ($25,292 per year).
WARREN STRYBOSCH
All SMSF must now be registered via SuperStream. Self-managed super funds (SMSFs) must be able to receive employer contributions and the associated data electronically using the SuperStream
You can call them on 1300 88 38 30 or email requireaward-winningAtmembers.contributionsSuperStreamwww.findaccountant.com.auinfo@findaccountant.com.audoesn’tapplytopersonalmadetoyourSMSFbyitsFindAccountant,weprovideSMSFtaxadvice.Oursenioraccountantisalsoanfinancialadvisor.IfyouSMSFadviceorareconsideringwhetherornottowindupyourSMSF,thenspeaktoWarrenStryboschatFindAccountantPtyLtd.
foreign executive on certain visas, or temporarily working in Australia for an overseas employer and are covered by super provisions in a bilateral social security agreement.
If you are employed by your family business and your super guarantee contributions go to your SMSF, these related-party employer contributions are exempt from the SuperStream standard.
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.
• an Australian business number (ABN), and
If you’re a trustee of a Self-Managed Super Fund (SMSF) it is important to make sure all members of the SMSF are receiving their required SG contributions and they are being allocated correctly.
Warren Strybosch
• an electronic service address (ESA) – you can get an ESA from an SMSF messaging provider
Find Group
• to ensure your SMSF’s details held by the ATO are up to date, including your SMSF’s unique bank account.
TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA
Fromstandard.1October
2021, you can only rollover into or out of your SMSF using ForSuperStream.SuperStream, you will need:
Exemptions
findyarraranges.com.au 15SEPTEMBER 2022 | FIND YARRA RANGES 15AUGUST 2022 | FIND YARRA RANGES
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.
Is there a limit on the SG contribution I can receive?
The current SG contribution rate is 10.5% of your gross earnings up to a limit called the maximum super contribution base (MSCB). If you earn above that amount in a particular quarter, your employer does not have to make SG contributions for the part of your earnings over the limit.
Provide Correct ABN and Trading Name. One fellow—insured with a direct insurer—had insured another company (not his own) with similar spelling for 6 years before realising that it was wrong from the very beginning. Details do matter. Double check this, otherwise you
16 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
Craig Anderson
Be Patient. Often insurers and their underwriters are overwhelmed with the volume of inquiry, so be prepared to wait for a quality answer to come back. Speed doesn’t always equate to efficiency or deliver accuracy. Not everything can be done using online quoting tools, and this is particularly the case for complex risks. So perhaps start your research well before you quit your job to allow ample time to get it right.
By CraigGENERALAnderson INSURANCE
Read All of the Paperwork. When we ask you to read through and confirm the details are correct, you must check! Once a quote turns into a policy, this is a legal contract between you and the insurer. If you fail to read it, and later have an issue caused by a failure to correct your answers, it’s too late once a claim has occurred. Read the Schedule and read the PDS. Ask your broker questions, as the answers could make a big difference to the cover selected, and to how you manage risk within your business.
Tell Us About Future Plans. The selection of insurers may depend on whether they can accommodate all of the required cover sections. A Business Pack PL (Public Liability) Policy may be more appropriate than a stand-alone PL policy if—in a couple of months—you might need to add contents, business interruption, and machinery breakdown cover sections for example. You may need a stand-alone PL Policy if your activity is “non-preferred” by Business Pack Policy Insurers. Your broker might have to place you with a specialty underwriter who understands that specific occupation. It’s better to know from the start what you plan on doing later, so a flexible insurance programme can be put in place.
To maximise your chances of getting a fair and accurate insurance quote:
Be Qualified. I can’t tell you how many times people have been unaware of the qualifications, licenses, registrations, or tickets which are essential not only to do the job they plan to do, but to convince the insurer they are a “good risk”. This is particularly the case if we are trying to get you Professional Indemnity cover. Best to do your research before telling the boss you’re leaving. We can’t insure the uninsurable.
may take out an entirely worthless policy when you go ahead. Again, facts have to be right from the beginning.
For a health check of your business insurance, contact Small Business Insurance Brokers via email: smallbusinessinsurancebrokers.com.ausales@
Clearly Define your Activities. If you describe yourself as a “glazier” but forget to tell us you are abseiling from the 40th floor to replace windows in a multi-storey office block, the insurer will incorrectly rate you and will decline any claims. Remember to describe and disclose your activities properly. We can’t provide accurate quotes without a correct description. An inaccurate quote could lead a worthless policy if care is not taken at this stage.
GENERAL INSURANCE Small Business Insurance Brokers www. Any0418brokers.com.auheightsafetyinsurance300096adviceinthisarticlehasbeen
Planning to start a business?
Consider Advice. We understand no one has an unlimited budget, but don’t cut corners that may put you out of business before you’re off the ground. For example, If you handle and store people’s details like phone numbers, names and addresses, you need cyber protection for yourself. If employing people, you may need Management Liability Insurance, if you give advice, you may need Professional Indemnity and so on. Take the time to familiarise yourself with the risks, so you aren’t taken by surprise, and so you can write a realistic budget. Deciding in advance you need the “bare minimum” may be a costly financial error.
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).
I get regular calls from people who are in the process of starting a new business. Many are after a “ball-park” figure for insurance costs so they can flesh out a business plan and budget for outgoings. No matter how the conversation starts, the outcome is largely dependent on the quality of the information provided by the client, and this can be… to put it politely, “a little thin” at times.
You can thank me later.
“You can’t deliver a health system with empty hospitals, which is why we are investing in hardworking nurses and midwives that are helping Victorian patients every single day.”
The Andrews Labor Government is backing Victoria’s healthcare system with free university and specialist training for thousands of nurses and midwives. In a $270 million boost to the health system, more than 17,000 nurses and midwives will be recruited and trained as part of a massive hiring and upskilling initiative – building an army of homegrown health workers to care for MoreVictorians.than
More midwives will join the workforce through an expanded postgraduate midwifery incentive program, which will provide scholarships to cover course costs and salary support for 150 existing nurses to continue working while they complete their specialist studies in Themidwifery.initiative,
• $11,000 scholarships for enrolled nurses to become registered nurses, covering course costs and boosting the number of registered nurses
The package also includes:
Allspecialities.newdomestic students enrolling in a professional-entry nursing or midwifery course in 2023 and 2024 will receive a scholarship of up to $16,500 to cover course Studentscosts.will receive $9,000 while they study and the remaining $7,500 if they work in Victorian public health services for two years.
Making It Free To Study Nursing And Midwifery
• $12,000 scholarships to support training and employment of 100 new Nurse Practitioners in both acute and community settings
Quote attributable to Minister for Health Mary-Anne Thomas
past eight years, the number of nurses in the public system has risen by more than 26 per cent – increasing by 9,400 to more than 45,000 nurses. The Labor Government has overseen a net increase of more than 22,000 healthcare workers in the system since 2014 – up by 27.6 per cent.
“Everycovered.”health
• More than $20 million to provide more support to the growing numbers of graduates and postgraduates as they transition to working in our hospitals – ensuring they have access to the clincial educators, preceptors and study time they need.
midwifery – go for it.We’ve got your HECS fees
Quote attributable to Minister for Training and Skills and Higher Education Gayle Tierney
“By providing more pathways and incentives to education, we’re giving our nurses and midwives the practical support that they need to continue caring for Victorians.”
10,000 students will have the cost of their nursing or midwifery undergraduate studies paid for, while scholarships will be available for thousands more who complete postgraduate studies in areas of need including intensive care, cancer care, paediatrics and nurse practitioner
findyarraranges.com.au 17SEPTEMBER 2022 | FIND YARRA RANGES 17AUGUST 2022 | FIND YARRA RANGES
The package recognises that the cost of study is a financial burden for prospective and existing nurses and helps our health services maximise the recruitment of new nurses and midwives in key areas of
“If you’re in Year 12 and you’ve been thinking about studying nursing or
together with the $12 billion Pandemic Repair Plan brings the number of nurses and midwives being supported to more than 20,000, including funding 13,000 nursing and midwifery positions and scholarships, and funding the upskilling of 8,500 nurses.
Inneed.the
• Scholarships for postgraduate nurses to complete studies in specialty areas such as intensive care, emergency, paediatrics and cancer care – worth an average of $10,000
Quotes attributable to Premier Daniel Andrews
system in the country is under enormous pressure due to the pandemic. The best thing we can do to support our hardworking staff is give them more support on the ground –that’s why this package will train and hire more nurses than ever before.”
Swedish researcher Ann-Marie Widstrom has shown that there are nine observable newborn stages that occur in the first hour or two after birth when a baby is placed immediately skin to skin with his mother. These are instinctive to the baby and occur in a sequential order.
The baby is placed skin to skin on her tummy on her mothers tummy or chest. Her hands will be relaxed. Baby will be calm and quiet, pausing to recover form the birth process.
her mouth, stick out her tongue and massages the breast with one or both hands. All of these movements increase the release of oxytocin in her mother’s body and prepares her body for bonding and breastfeeding.
Stage 4 – Activity
Baby becomes acquainted with the nipple by licking the nipple and touching and massaging the breast. This stage begins about 45 minutes after birth and can last 20 minutes or more. Baby starts making sounds to get mums attention. She looks at the other people in the room, familiarising himself with her new environment. Baby’s movements are quite purposeful. Again, don’t rush the
The baby may have periods of rest between these early activity during the first couple of hours after birth. This resting time does NOT mean baby is disinterested in the breast and needs help latching. Don’t intervene. Just let her be and she will continue in her own time. Don’t rush her. Enjoy this time together.
Baby “crawls” towards the breast and nipples. She will make her way there using sliding, pushing, leaping and crawling movements until she reaches her target. These are short periods of action usually starting around 35 minutes after birth.
www.childrensosteopathiccentre.comLACTATIONSc/GradB.App.Sc(Clin.Sc)/B.Osteo.DipPaedsCONSULTANT
Stage 7 – Familiarization
Osteopath
The baby and often mum too will fall into a beautiful restful sleep together.
Stage 1 – The birth cry
Stage 3 – Awakening
Dr. Joanna Strybosch
Stage 9 – The final stage is sleep
Stage 8 – The newborn takes the nipple, self-attaches and suckles
The distinctive cry occurs immediately after birth as the baby’s lungs expand and fill with air for the very first time. This is a wonderful sound to the parents ears and confirms their baby is alive and well!
Stage 6 – Crawling
Stage 2 – Relaxation
LACTATION CONSULTANT
The baby begins to explore her environment with her mouth by make mouthing and sucking movements. She has more stable eye movements now and looks at the breast and then looks at her mother. The dark areola attracts her to the nipple area and the smell there is familiar, as it is the same as the amniotic fluid that has been her environment til now. She starts to move her hand to
Stage 5 – Rest
By Dr. Joanna Strybosch
9 Stages Of BehaviourNewborn
About 3 minutes after birth, the baby starts to make small movements of the head and shoulders. She is no longer tightly confined inside her mother, and is free to stretch and experience the open space around her.
This usually begins about an hour or so after birth. If the mother has had anaesthesia during labour, it may take a while longer for baby to complete these stages.
18 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au
process. Relax and enjoy watching this amazing event as baby finds the breast and nipple by herself. Soon she will latch on and suckle without assistance or interference. Don’t try to help her latch – she is not ready just yet. Her tongue is flat and high in the roof of his mouth, whereas just prior to self-attaching, she will drop her tongue and while opening her mouth wide for a deep and effective latch. Be on baby time, not on hospital or doctor or nurse time.
The importance of providing a mother and baby with immediate skin to skin contact for at least an hour after birth is now being recognised. Changes in medical practice now encourage this continuous skin to skin contact beginning immediately after birth, without delay or interruption for routine procedures, and continuing though the first breastfeed. This practice has been shown to improve self-regulation of the baby and increase the likelihood of breastfeeding success.
Kathryn Messenger (Naturopathy)
Recreational lifestyle activities which reduce stress can also be helpful as chronic stress increases inflammation, leading to many disease states. Exercise can help by increasing blood flow and also reducing stress.
Naturopathic treatment of hormonal imbalance often includes strengthening and detoxifying the liver. The liver is where hormones are metabolised, are transformed into different forms, and excess hormones are removed from circulation. If the liver is not functioning well, this process will be impaired. Prescription drugs, alcohol, exposure to toxins, and poor diet all contribute to reduced liver function. Herbal medicine is highly effective in improving the liver, but below are some tips to get you started.
and
health:Men’s &PubertyProstate
findyarraranges.com.au 19SEPTEMBER 2022 | FIND YARRA RANGES 19AUGUST 2022 | FIND YARRA RANGES
With Father’s Day this month, it’s a great time to talk about men’s health. We’ll take a look at two conditions: teenage acne and Benign prostatic hyperplasia (BPH). These are both caused (at varying degrees) by male hormone imbalance.
By Kathryn Messenger
NATUROPATH
kathryn@wholenaturopathy.com.au
Similarly to with teenage acne, excess androgens are a major culprit in contributing to hyperproliferation of prostate tissue. This enlargement of the prostate gland also leads to BPH and prostate cancer. Once again Saw palmetto is an important herb in regulating androgen levels, and additional benefits have been found when used in combination with Urtica dioica (stinging nettle).
This advice is general in nature not intended to prescriptive. individualised prescriptive advice, please see a naturopath or other health care practitioner.
be
• Eat bitter foods such as roquette (rocket), and sour foods such as fresh lemon juice.
For
naturally with herbs formulated specifically for you, together with dietary changes that will best target your health issues.
Whole Naturopathy can treat your hormonal imbalance
BHSc
Androgens are a group of hormones of which testosterone (the predominant male reproductive hormone) is the most common. Testosterone levels increase for young men in their late teens, and the excess androgens contribute to acne. The sebaceous glands which secrete oil onto the skin, produce androgens, along with other glands, and in excess are converted to a hormone called dihydrotestosterone which promotes acne. Research has found herbs such as Serenoa repens (Saw palmetto) effective in treating hormonal acne, especially when combined with other androgen regulating herbs is. As a naturopath, I would also address elimination of waste products, inflammation, the liver (as detailed below) and any other factors contributing to the acne.
BPH is increasingly common in men as they age and is estimated to be present in 70% of men over the age of 70. Due to hyperproliferation (excess growth) of prostate tissue, the enlargement of the prostate gland obstructs urinary flow, resulting in poor urinary flow, increased urgency, and incontinence.
To improve liver function:
• Increase dietary fibre, particularly through vegetables
• Increase ‘green leafy’ vegetables such as kale, spinach, broccoli, cabbage, etc
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(10-May-2017)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(11-May-2021)DateRoyalPassedIntroduced(27-Aug-2022)ConsultationAnnouncement(27-Jul-2022)DateRoyalPassedIntroduced(3-Aug-2022)Consultation(12-Jan-2022)Announcement(8-May-2021)AssentofeffectAssentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2022)Assentofeffect(1-Jul-2018)
Individuals may soon have the ability to claim a higher deduction for self-education expenses from the 2022–23 income year. New legislation has been tabled into parliament following the original announcement by the former government in the 2021 Federal Budget.
Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action.
Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be repealed from the tax laws. This requires legislative approval.
Self-education removal of deduction limitation
Downsizer contributions to superannuation
Downsizer contributions are in addition to existing rules and caps and are exempt from the: age test, and $1.7 million total superannuation balance test for making non-concessional contributions.
Electric vehicles to be exempt from FBT
The exemption provides a viable option for employees to reduce their tax bill by salary packaging.
In the 2021 federal budget, it was announced that the AAT would be empowered to pause or modify ATO debt recovery action until the underlying dispute is resolved.
The announcement is somewhat related to a Treasury discussion paper released in December 2020. However, other matters addressed in the paper, such as deductions for expenses unrelated to current employment, have not been taken further at this stage.
AAT extended power to pause or modify ATO debt recovery
Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From that date, a person aged 65 years or older has been able to make a contribution up to $300,000 from the proceeds of selling their main residence. A legislative amendment originally from the 2021 Federal Budget reduced the age limit from 65 to 60 from 1 July 2022. Further, another legislative amendment has been issued by the new government in August 2022 to reduce the age limit again from 60 to 55. The change will not come into effect until after the new Bill receives royal assent. To be eligible to make a downsizer contribution, an individual must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.
An employer who provides an employee with an electric vehicle will not be liable for fringe benefits tax on the employee’s private use. The new legislation comes into effect for electric vehicle first held by employers on or after 1 July 2022. To be eligible for the exemption, the electric vehicle must be below the luxury car limit, which is currently sitting at $84,916.
2022 TAX
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.
There is a limit of $100,000 of eligible deductions able to be claimed by a business each income year but can be claimed on both business expenses and depreciating assets.
The Commissioner of Taxation will be given new powers to direct a taxpayer to undertake a record-keeping education course in lieu of an administrative penalty.
The identification of users of sharing economy platforms means that, as an adviser, you should be informing taxpayers who earn income off these platforms of their tax obligations. This includes short-term accommodation, ride-sharing transport and food delivery platforms.
The new directive will be initially limited to small business owners in order to assist them in keeping up to date with tax obligations.
Also, other task or time-based service platforms will be required to report for income years beginning on 1 July 2024.
21SEPTEMBER 2022 | FIND YARRA RANGES
A business with aggregated turnover of less than $50 million will be entitled to a 20% bonus deduction for expenditure relating to a digital business adoption.
The start date of the proposed changes have been delayed after the former Bill was prorogued at the last federal election.
The individual must then provide the Commissioner with evidence of completion of the course in order to avoid financial penalty. The new directive will be available after the Bill receives Royal Assent.
The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.
TAX UPDATES
Small business technology investment boost
The bonus deduction will be available for expenditure incurred from 7:30pm (AEDT) on 29 March 2022 (2022 Federal Budget night) until 30 June 2023.
Starting from 1 July 2023, operators of sharing economy platforms will be required to report transactional information to the ATO.
The Taxable Payments Reporting System already applies to some businesses in industries where noncompliance is deemed to be high risk. By adding operators of sharing economy platforms to the regime, taxpayers who hold or use assets for short-term lease or contract work will have their information collected.
DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(25-Aug-2021)DateRoyalPassedIntroduced(3-Aug-2022)ConsultationAnnouncement(3-Aug-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)DateRoyalPassedIntroducedConsultation(29-Aug-2022)Announcement(29-Mar-2022)AssentofeffectAssentofeffectAssentofeffectAssentofeffect(1-Jul-2023)
Small businesses will get a bonus tax deduction on top of the allowable deduction for training their Businessesemployees.with aggregated turnover of less than $50 million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to external training courses delivered to a business’s employees by a registered training organisation in Australia.
Sharing economy reporting system to be implemented
ATO to have power to make small businesses undertake tax education course
Small business skills and training boost
REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY R EAL E STATE HOUSE OF THE MONTH SEPTEMBER 2022
If you have questions, contact Warren on 1300 88 38 30 or email: info@findnetwork.com.au Email your Rental Listings to Find Yarra Ranges each week and we will update your Listing in the online community paper for FREE. RENTALFree RealAdvertisingLISTINGforEstateAgents
Discover these and other fascinating objects on display at Yarra Ranges Regional Museum, 35-37 Castella Street,
Yarra Ranges
When visiting water play parks and splash pads, sun smart behaviour is a must – make sure to apply sunscreen, wear hats and sunglasses and clothing to reduce skin exposure, and take breaks in the shade. Bring water and snacks for everyone with you, and watch out for sun burn or exhaustion.
On days where weather is forecast to be 35 degrees of higher, the water jets at our play parks will stay on for an extra hour –usually finishing at 9pm.
“In the spring and summer months, there are few better places to be than with your friends and family at a water play park, a pool, or a leafy, shady park,” he said.
“I’m excited that the water jets will soon be starting up again, giving our community a space to cool off and make the most of the warmer months.
Frommid-September.17September, water jets will be active at Seville Water Play Park at the recreation reserve, Lillydale Lake splash pad and Warburton Water World.
Local history on display in Lilydale Water play parks opening
Recently, the museum team installed the 20 new objects into the Connections Gallery chosen from the museum’s collection, the gallery’s most significant change since 2016.
Cr Child encouraged community members to have a back-up plan when visiting water play parks on warm days, weekends and public holidays.
REALESTATE
Yarra Ranges Mayor, Jim Child, said the parks provided a fun space to meet with friends in the warm weather.
Community members and visitors are invited to explore and play in Council’s water play parks in Lilydale, Seville and Warburton, when the season begins in
The newly displayed objects range from the jersey of AFLW player Emerson Woods to boomerangs made at Bill Onus' Aboriginal Enterprises in Belgrave.
“I’d encourage everyone in our community, particularly our families, to plan a picnic or grab some food from their favourite local restaurant or café, and head down for a day of water play and fun in the sun.”
TheLilydale.museum
“Our water play parks are very well loved, but this also means that we get a tremendous amount of tourists and locals flocking when the temperature rises,” he said.
“Our water play parks are extremely wellvisited – and for good reason. The jets, the equipment and the scenic surrounds make for a wonderful day out.
is open from Wednesday to Sunday, noon-4pm.
SEPTEMBER 2022
Water play park jets turn on between 8am-10am, depending on location and are turned off at 8pm.
Many in the community will be familiar with our region’s Museum on Castella Street, Lilydale, which opened in 2011.
Council News
When visiting water play parks and splash pads, sun smart behaviour is a must – make sure to apply sunscreen, wear hats and sunglasses and clothing to reduce skin exposure, and take breaks in the shade. Bring water and snacks for everyone with you, and watch out for sun burn or exhaustion.
Cr Child encouraged community members to have a back-up plan when visiting water play parks on warm days, weekends and public holidays.
For more information on your local water play park, visit yarraranges.vic.gov.au/ waterplay
25SEPTEMBER 2022 | FIND YARRA RANGES
News
Council hammers in new hollows to protect precious wildlife Lilydale Structure Plan finalised
Onsymptoms."daysof Extreme or Catastrophic Fire Danger Ratings, water play parks will not be active.
Photos by Cathy Ronalds Photography for Yarra Ranges Council
“Our water play parks are very well loved, but this also means that we get a tremendous amount of tourists and locals flocking when the temperature rises,” he said.
“If you arrive and see a full carpark or too many people, have a backup plan in mind – another water play park, or a playground you can visit, or a community outdoor pool when they open through November and December.
More & Updates
“Please, be covid safe and do not visit a water play park if you or anyone in your family is feeling unwell or displaying
Are Not-For-Profityouin Yarra Ranges Area? Advertise your events for FREE on the following pages. Are you a NFP with an up-and-coming event? If so, email your event to info@findnetwork.com.au and we will place it in the paper for FREE. Yarra Ranges
NOT-FOR-PROFITYOURSUPPORTLOCAL
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.
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.
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.
ShopEat
29SEPTEMBER 2022 | FIND YARRA RANGES
Take your taste buds on a journey to Havana nights and fairy lights.
Feel the Flavour with three new drinks at Boost!
One sip will leave you saying dios mio! So go try one, try two or... por que no los
Headtres?
to your local Boost to ‘Feel the Flavour’ today!
• Chilli Fiesta brings the heat - Choc chilli powder, strawberries, banana, low fat milk, vanilla yoghurt, sorbet & ice
• Avo Loco (Vegan) brings the smoothness - Avocado, mango, pineapple, mango nectar, tropical juice, frozen coconut cream & ice
• And Havana Guava brings the curiosity - Guava nectar, pink dragon fruit, strawberries, tropical juice, strawberry yoghurt & ice
THESE DRINKS ARE A FIESTA IN YOUR CUP! valid until JOIN US FROM 8PM EVERY FRIDAY AND SATURDAY NIGHT FOR LIVE ACOUSTICS! Open from 9am - 5.30pm today | 03 9728 4340 | VALID UNTIL 18 SEPTEMBER 2022 Book your table now: https://www.sportingglobe.com.au/whatson/acoustic-sessions/chirnside-park 30 September 2022
RETIREMENT SEPTEMBER 2022 We will look after your financial affairs so you can enjoy your retirement. WHO WE ARE Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients. WHERE WE WORK 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 planningBendigosolutions.|Geelong | www.findretirement.com.auMelbourne 1300info@findretirement.com.au883830 Mon - Fri: 9am - 5:30pm Sat: 10am -1pm Sun: CLOSED This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367. Find Aged Care Services 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? List in our Find Aged Care Services Website. Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services. Are you a Financial Planner looking for more clients? To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcare.services visit our website at www.findagedcare.services Are you an established and experienced Financial Planner providing Aged Care Advice?
findyarraranges.com.au 31SEPTEMBER 2022 | FIND YARRA RANGES 31AUGUST 2022 | FIND YARRA RANGES 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. List Your Aged Care Facilities with Find Aged Care Services Today.
32 FIND YARRA RANGES | AUGUST 2022 findyarraranges.com.au PROFESSIONAL SERVICES INDEX PROFESSIONAL SERVICES • Find Accountant ----------------- 32 • Financial Planning ------------- 00 • Find Insurance -------------------- 33 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 33 • Life Coach --------------------------- 00 • Signages ------------------------------ 00 • Mortgage Brokering ----------- 00 • Solicitor/Lawyer ------------------ 00 • Architect ------------------------------ 00 Special Tax Return Offer Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation 1300 88 38 30 $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. 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. TRADIES - FREE ADVERTISING 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. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
findyarraranges.com.au 33SEPTEMBER 2022 | FIND YARRA RANGES 33AUGUST 2022 | FIND YARRA RANGES 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. 1300 88 38 30warren@findinsurance.com.auwww.findinsurance.com.au 248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221 • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) Personal Insurances Include: 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. • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover We specialise in the following: • Business Pack Insurance • Professional Indemnity • Public Liability - Business related only • Landlord Insurance • Height Safety Insurance General Insurance We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes We work with only the most reputable insurers to bring you a range of insurance options for you to choose from: Visit Us Here 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 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. 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. 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. Height Safety Insurance Brokers ABN: 266892118030418 300 096 | www.heightsafetyinsurancebrokers.com.ausales@heightsafetyinsurancebrokers.com.au Australia’s Trusted Height Safety Insurance Brokers CRAIG ANDERSON GENERAL INSURANCE
PROFESSIONAL SERVICESPAGES INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00 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. TRADIES - FREE ADVERTISING 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. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are: TRADIES - FREE ADVERTISING *Available until your category is taken when a Tradie joins the Find Network Team. 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
TRADIES
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. -
35SEPTEMBER 2022 | FIND YARRA RANGES PROFESSIONAL SERVICESPAGES INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00 TRADIES - FREE ADVERTISING *Available until your category is taken when a Tradie joins the Find Network Team. 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 Email your artwork to info@findnetwork.com.au
FREE ADVERTISING 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. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00 HOME & GARDEN TRADIES - FREE ADVERTISING *Available until your category is taken when a Tradie joins the Find Network Team. 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 PAGES HOME & GARDEN 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.
TRADIES - FREE ADVERTISING 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. 53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait The Dimensions of the Ads are:
SPORTS We invite selections,clubfromrepresentativeaeachsportingtosubmitteamresultsand any interesting stories relating to your club/sport.
Religious Groups and Churches FREEServicesADVERTISINGTimesPublic Notices Yarra Ranges 1300 88 38 editor@findyarraranges.com.au30 SEPTEMBER 2022
39SEPTEMBER 2022 | FIND YARRA RANGES FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email editor@findyarraranges.com.au Religious Practitioner Stories & Services
SEND US YOUR NEWS! Yarra Ranges 1300 88 38 editor@findyarraranges.com.au30 Birth, Deaths & SEPTEMBERMarriages2022FREEAdvertisingisavailablerelatedtoDeathNotices,FuneralNotices,Births&Marriages.
41SEPTEMBER 2022 | FIND YARRA RANGES SEPTEMBER 2022 Free Advertising is available related to Death Notices, Funeral Notices, Births and Marriages. SEND US YOUR NEWS! For enquiries call 1300 88 38 30 or email info@findnetwork.com.au Birth, Deaths & MarriagesEmail:info@findnetwork.com.au
YARRA RANGES Support your Local Not-For-Profit Find Coffee Buy 1 Get 1 Offers Find Dining Fine, Contemporary & Bistro SupportFundRaisingYourLocalCommunity Find Travel Entertainment&FunforAllAges Great Local Deals Buy 1 Get 1 FREE Offers Up to 50% Off Find Takeaway Fine, Contemporary&Bistro Find Brunch,Brekky,LunchCafés&Bistro Contact your Not-For Profit to obtain your Find Card. Only Find Cards can be in conjuction with the offers and must be presented to participating businesses. FREE
LOCAL COUPONS Up to 50% of generated funds goes to Not-For Profit organisation. 31 February 2022 - 31 February 2023 FIND CARD LOCAL OFFERS PRESENT VALID FIND CARDS Registration of Find Cards Please go www.findyarraranges.com.au/registertoPleaserefertoPage52 LOCAL COUPONS OFFERS SAMPLE
TABLE OF CONTENTS BUSINESS NAME CARD NO. PAGE NO. FIND COFFEE COMING SOON FIND BREKKY, BRUNCH & LUNCH FINDFINDENTERTAINMENTTAKEAWAYFINDTRAVELFINDDINING CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. Bedford Coffee Co. 005 87 COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. COMING SOON CARD NO. PAGE NO. Sofia Croydon 003 64 The Quiet Vegan 003 64 Casalinga 001 87 Vulcan Pizza 002 91 Casalinga 001 91 Sofia Croydon 003 91 Casalinga 001 64 Bedford Coffee Co. 005 92
Dining
FIND ADVERTISING 1300info@findnetwork.com.auCOUPONS883830 Part of the secret of success is to eat what you like and let the food fight it out inside
SAMPLESAMPLE
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& Brekky,LunchBrunch FIND ADVERTISING 1300info@findnetwork.com.auCOUPONS883830The best memories are made when gathered around the table
49SEPTEMBER 2022 | FIND YARRA RANGES
& Lunch SAMPLESAMPLE
Coffee FIND ADVERTISING 1300info@findnetwork.com.auCOUPONS883830COFFEE WITH A FRIEND IS AHAPPINESSCAPTURINGLIKEINCUP.
SAMPLESAMPLE
Takeaway You don't need a silver fork to eat good food FIND ADVERTISING 1300info@findnetwork.com.auCOUPONS883830
53SEPTEMBER 2022 | FIND YARRA RANGES NEW OFFERS COMING SAMPLE
Entertainment Dance is the poetic baring of the soul through motion FIND ADVERTISING 1300info@findnetwork.com.auCOUPONS883830
SAMPLESAMPLE
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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.
Any changes or updates to these ‘Terms of Use’ of the
Coupons &
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 Cards and/or Find Coupons can be found here. Find Cards Policy Valid Periods Find Restaurant, Find Cafe & Find Coffee offers can be used at participating businesses any time except the following days: *Christmas Eve *Christmas Day *Boxing Day * New Year’s Eve *New Year’s Day * Valentine’s Day *Good Friday *Easter Sunday *Mother’s Day. Some restaurant/Cafe/Coffe establishments will have additional terms and conditions on the page where the business is advertising their offer). Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered. Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.
NOT VALID
Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.
Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card. Copyright 2022 Find © Pty Ltd.
PRESENT VALID FIND CARDS
Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards
RangesYarra
AUGUST 2022
