Homescape Winter 2008

Page 1

8*/5&3

( 0 6 - # 6 3 / . 6 3 3 ": 7" - - & : 4 1 3 & . * 6 . ) 0 . & - * ' & 4 5 : - & . " ( " ; * / &

.PBNB #PXMJOH $MVC

.PBNB T NPTU FYDJUJOH WFOVF

$2.95

INC GST

Published by:

Prominent Group Pty Ltd

4FCBTUJBOT

" 4PQIJTUJDBUFE EJOJOH FYQFSJFODF

1BTTJPOBUF (BSEFOJOH

"O &EOB 8BMMJOH FOTQJSFE HBSEFO

8F TQFBL UP MPDBM JEFOUJUZ BOE "VTUSBMJBO /FUCBMM $IBNQJPO 4IBSFMMF .D.BIPO )FBMUI 8FMMCFJOH t 'JOBODF t 5SBWFM "EWFOUVSF t %FTJHO *O 0VU t 3FDJQF 1BHF t (JGU *EFBT


How Dennis Family Homes

Display home

Every single home carries our family name – you bet we care about the business. Honesty and integrity are at the core of our business. Dennis Family Homes take great pride in helping our customers every step of the way. You can rest assured, we’ll do everything it takes to deliver a

THE MACQUARIE 28.7 SQ $179,400*

home your family will love.

The free flowing Macquarie is designed for the growing

“Quality never goes out of style”. Bert Dennis OAM.

family. Three living zones plus an under-cover alfresco ensures plenty of space for everyone. The home comes with a range of designer upgrades as standard.

Designer upgrades at no extra cost.

Call 5823 1758 Visit dennisfamily.com.au Experience our display homes today


became our family home.

Our home

As soon as we walked in, we knew it was ‘us’. From the beginning, Dennis Family Homes were there to make sure it was ‘our dream’ being built. With plenty of options available, we were able to create the home we really wanted and it felt like ours the moment we walked through the door.

THE LATROBE 32.5 SQ $196,400* The family sized Latrobe includes stone benchtops and glass splashback to the kitchen. Designer tapware and basins throughout, 900mm SS European appliances and sectional garage door all included in the price.

That’s over $12,000 of added value. Shepparton Displays Wendouree Drive, Kialla Mon to Sun 1–5pm Ph: (03) 5823 1758

Shepparton Office 374 Wyndham Street Shepparton VIC 3630 Ph: (03) 5823 7100

Bendigo Displays 76 McIvor Forest Drive, Junortoun Mon to Sun 1–5pm Ph: (03) 5449 3100

Shepparton North Displays Canterbury Avenue, The Boulevard Mon to Sun 1–5pm Ph: (03) 5823 1758

Echuca Office 224 Hare Street Echuca VIC 3564 Ph: (03) 5480 7931

Wodonga Displays Yarralumla Drive, Wodonga Mon to Sun 1–5pm Ph: (02) 6056 5203

* Prices based on Classic facade. Facades shown for illustrative purposes only. Copyright Dennis Family Homes 2008. ABN: 83056254249. DFH1072


discover

the

gif t of giving

'30. */%003 50 065%003 )0.&8"3&4 8& )"7& 5)& #&45 0' #05) 803-%4 " '"#6-064 3"/(& 0' 53"%*5*0/"- "/% $0/5&.103"3: '06/5"*/4 "/% 8"5&3 '&"563&4 &:& $"5$)*/( %&4*(/&3 )0.&8"3&4 #&"65*'6- (*'5 *%&"4 6/*26& *5&.4 '03 :063 )0.&

/0 */5&3&45 &7&3

1",&/)". 453&&5 &$)6$" 01&/ %":4 BN QN .PO 'SJ BN QN 4BU BN QN 4VO ] 1I )4$(


Homescape Magazine Managing Editor Paul McInneny Art Direction Craig Thorne

Welcome to the Winter edition of Homescape Magazine.

Design Craig Thorne Brad Campbell Adelene Alampi

In this edition we feature Rocky Costa’s Toolamba garden. This Edna Walling inspired garden is truly a delight, and Trevor Phillip’s photography has captured the essence of this garden beautifully.

Production Manager Darren Hall Contributing Writers Cheryl Hammer Rhonda Sutton Photography Trevor Phillips Craig Thorne Advertising Sales Lisa Comline

Our cover shows one facet of the Moama Bowling Club’s huge renovation. We feature it in detail and hope our readers will visit the Club to enjoy the atmosphere first hand. Australian champion netballer Sharelle McMahon is our guest in our extended version of “5 minutes with”. All our regular columns appear again with more tips for Travel and Finance, not to mention Health & Wellbeing.

Administration Sharan Rossignoli

We also welcome a new member to the team at Homescape. Carmel Johnson joins us as our new Managing Editor, this will begin from our next issue. Carmel brings a wealth of knowledge and experience to the team and we look forward to some new and fresh ideas for Homescape.

Advertising Enquiries Lisa Comline - Mob: 0417 557 965

We really hope you enjoy this Winter edition of Homescape Magazine and we look forward to your continued support.

Design Prominent Design Pre-press Prominent Digital Printing Prominent Press

9 Published by Prominent Group Pty Ltd ABN 70 539 890 061 57-61 Drummond Road Shepparton Vic 3630 Phone: 03 5831 2455 Email: enquiries@prominentgroup.com.au www.prominentgroup.com.au The information in this publication is presented for entertainment purposes only. Although every care has been taken to provide accurate information, individual readers should seek independent advice before acting upon the information presented. © Copyright 2008 Prominent Group Pty Ltd. All rights reserved ISSN: 1833-7473

Welcome

Prominent Group DESIGN PRE-PRESS PRINT FINISHING

Post Script: As we went to print, Sharelle McMahon was named as the new captain of Australia’s netball team - congratulations Sharelle.

Contents 13

19

34

Product Space – It’s child’s play

6-7

5 minutes with – Aussie netball champ Sharelle McMahon

8

Food & Wine – a visit to Sebastian’s Restaurant

9

Gardening Passion – a look at Costa’s beautiful garden

13

Architecture – Moama Bowling Club’s facelift

19

Building a New Home – an experience to remember with Dennis Family Homes

27

Design: In & Out – Michaela Walsh gives us some handy hints on colour

32

Health & Wellbeing – Keep fit during & after pregnancy

34

Travel & Adventure – a look at what’s hot in travel with Travelscene

38

Wealth & Finance - Can you afford to pay for it?

40

Guest Chef & Recipe – Pauline Gadsby from Madisons shows her flair

43

HOMESCAPE Magazine

5


Create your child’s

It’s just

INDIVIDUAL ST YLE

2

3

4

Available in Shepparton... ... exclusively at: HSPS080660013

4

113 Fryers Street Shepparton 3630 Ph: 58 315 315 (next to carpark)

GIFTS • KITCHENWARE • STYLISH HOMEWARES

1

SPS080660013

1

ADELENE

Let us help finish your home with feature lighting. Energy efficient, practical and beautiful... “Echuca’s Lighting Experts since 1987”

169 Pakenham St, Echuca Ph 5480 2238 Fax 5482 6331 www.roundaboutlighting.com.au HSRL080660034

6


child’s play

When your children’s imagination CAN come to life!

14

16 18 13 5 15

17

12

19

11

20

10

21

22 23

9

24

25

8 7

1 “Turner” Leather Recliner Chair with matching Footstool from Oz Design Furniture, Shepparton. 2 The “Laurel” Floor Lamp is ideal for every nursery available from Roundabout Lighting, Echuca. 3 Stylish nursery robe made from English Oak from Oke’s Toy Warehouse, Shepparton. 4 Hand made teddy’s in various styles and colours from The Complete Garden, Echuca. 5 Traditional English Oak Cot/ Bed made by “Alice” (Plus pink throw, pillows, matching blankets and musical mobile) all from Oke’s Toy Warehouse, Shepparton. 6 Perry Penguin is only one of the four ‘Huggins soft friends’ range that you can choose from. Oke’s Toy Warehouse, Shepparton. 7 White and rainbow spotted cushion accompanied by a lively pink flower cushion available at Finny’s, Shepparton. 8, 12 & 15 Whether it’s Donald Duck, a little red horse or book ends, this vintage range of toys

will take you back to your own childhood available from Pinch of Salt, Shepparton. 9 There are toys that last the test of time... Noddy and Co. are no exception available from Pinch of Salt, Shepparton. 10 Multi coloured velour blankets brighten up any child’s room from Oke’s Toy Warehouse, Shepparton. 11 When space is an issue this dual three drawer/change table is the answer from Oke’s Toy Warehouse, Shepparton. 13 Display stackable boxes in multiple designs give your nursery that individual look from Pinch of Salt, Shepparton. 14 Fill your child’s imagination with these exquisite blue and green wall hanging butterflys from The Complete Garden, Echuca. 16 Traditional pink and white led-light lamp available from The Complete Garden, Echuca. 17 Sylish 3 tier change table in English Oak from Oke’s Toy Warehouse, Shepparton .

18 Great gift idea for mother and baby, fully lined basket with fluffy white throw from Finnys, Shepparton. 19 Suitable for either a boy or girl, try these embroided lemon Pyjamas available at Finnys, Shepparton. 20 When it comes to bath time, nothing quiet matches up to the old yellow “Rubber Duckie” from Pinch of Salt, Shepparton. 21 Pom pom pink puffy pillow - perfect for your little princess from Finnys, Shepparton. 22 Winter normally means wet soggy feet, however with these trendy gumboots puddles become fun! Pinch of Salt, Shepparton. 23 Soft white shabby musical lamb tempts every child available from Finnys, Shepparton. 24 Fluffy blue, green and orange echidna toy for that nursery with a difference from Finnys, Shepparton. 25 Musical Pooh Bear buddies are all looking for a nice new home. Available from Oke’s Toy Warehouse, Shepparton. HOMESCAPE Magazine

7


5

Sharelle McMahon

M i n u t e s

It’s hard to put a finger on an exact event, but the lessons I learnt while doing athletics training with Debbie Flintoff-King and Russell Parsons were invaluable. Being named in the state team in 1993 lead to my selection into the 17 & Under Australian Talent Identification Squad and an invitation to take up a full-time netball scholarship with the Victorian Institute of Sport.

What do you consider are the highlights of your career so far? There have been a lot, but stand-outs would be winning the 1999 World Championships by one goal and achieving a gold medal at the 2002 Manchester Commonwealth Games in double extra time.

W i t h . . .

In 2005 you put your honeymoon on hold to train for upcoming tests against South Africa and England. How do you balance your professional and private life? We still haven’t been on our honeymoon! It’s challenging balancing the time and commitment I put into my sport and professional life and my family/social life. I’ve learnt how to say ‘no’ when necessary…..and I keep a very up to date diary!! Luckily, as marketing assistant to Netball Victoria, I can take time off work for netball commitments. Photo courtesy of Kangaroo Photos

Australian Netball Champion & Vixens Captain Netball is the most popular women’s sport in Australia, with an estimated one million players nation-wide. It’s a fast, physical and exciting game. Described as “one of the world’s best netballers”, Sharelle McMahon was acting Captain of the Australian Netball team in the Commonwealth Games and is currently captain of Melbourne Vixens.

You started playing netball in Bamawm, near Echuca, when you were seven and later selected in the Victorian and Australian Under 21 teams. How difficult was it to develop your sporting skills whilst living in a small country town? I had a great childhood and sport was a huge part of our lives. I was always active – playing in the backyard, riding bikes or swimming in the channel! This was a really positive environment to grow up in and a great way to develop a range of sporting and life skills.

There are many talented country netballers for whom the costs to reach the elite level are prohibitive. What support is available for aspiring young netballers from the country? Netball Victoria has an extensive Talent Identification Program. Through its “Zone Academy” program talented young netballers access high quality coaching and training sessions with the best netballers in their age group in the area, without having to travel to Melbourne. For me, I remember lots of trips around the countryside and to Melbourne with family and school to participate in sport. This was often tough because of the financial and time pressures but without this support I wouldn’t have achieved what I have in netball.

What advice would you give to young athletes? Work hard towards your dreams and have fun!

8

What was your first break into becoming an elite netballer?

What impact do you think that the new Trans Tasman netball competition will have on the local and international netball scene? The ANZ Championships are fantastic for netball. Hopefully the competition will improve the professionalism of the sport and help it attract and sustain healthy relationships with sponsors and partners. It will provide great development opportunities for players both within Australia and New Zealand and internationally. We’ve already seen players from Jamaica, England, Fiji and other countries come in and benefit from the high quality standard of play.

How do you cope with the frequent travel across Australia and New Zealand? I’ve loved the opportunity for travel that my netball career has provided. During the season travel can sometimes be tough in terms of recovery and performance but we have strategies to overcome this.

Do you get home to Bamawm very often? Not as much as I would like but I love heading home to catch up with family and friends.

Many people are disappointed that netball competitions can now only be viewed on pay TV. How can netballers, as Liz Ellis came close to achieving, gain the media profile of footballers and cricketers? We are trying increase the profile of our players and get the message out that netball is a fast, physical, and exciting game. Liz Ellis is a great ambassador for the sport. The deal with Fox Sports was one factor in the sport of netball securing one of the biggest sponsorship deals seen in women’s sport in Australia, with ANZ. This partnership sees financial support being given at an elite and grass roots level.

What are your plans for the future? I am still really enjoying the challenges and fun times that netball gives me, so will hopefully stay involved as a player for a while yet – as long as my body holds up. I look forward to having a family but just need to find a time to fit it in!


&

Restaurant

F o o d

Sebastian’s

W i n e

Sophistication at Sebastians

Seba stian’s Rest aura nt, Sheppart on by Cheryl Hammer

An inherent love of serving fabulous food is the secret behind the longevity of Shepparton’s Sebastians Restaurant.

For nearly 30 years two generations of the Mangiameli family have breathed life into their fine dining menus which have kept customers coming back over the decades.

The restaurant’s namesake, Sebastian Mangiameli, watched his parents, Sam and Rosa, work together from 1979 to build the then small dining experience and together with Rosa and Sam sharing the cooking and front of house role.

continued over...

HOMESCAPE Magazine

9


F o o d

Sebastian joined the family business and took over the running of the restaurant for six years in the 1990s

&

shortly after a major expansion.

W i n e

Today he manages the family’s adjoining motel, Wyndhamere, and leaves the restaurant in the very capable hands of wife Connie, brother Cam, (who joined the business in 1986) and sister-in-law, Angela, who works with two chefs to continue the strong traditional family influences in the restaurant and function room.

A major face lift two years ago, including an al fresco area at the front of the venue, has given the restaurant a modern contemporary feel but the one constant is the a la carte dining experience.

This season’s hottest looks

SHEPPARTON 187-197 High St Ph: 5821 0353 OPEN 7 DAYS Mon-Fri 9am-5.30pm Sat 9am-3pm Sun 11am-3pm

For our latest promotion visit www.ozdesignfurniture.com.au


fo r t he fin e s t

CUISINE Sophisticated dining has always been on offer with the venue very popular for special occasions and celebrations as well as loyal local customers and in-house guests.

Those wanting to taste a variety of home made Italian dishes can order the sumptuous banquet which caters for groups from 10 to 60 people.

The establishment is also renowned for its succulent steaks - and the lamb shanks are a confirmed favorite.

“There is still plenty of passion in the kitchen, and we love serving people great food in our lovely venue. That will always be the case,” Sebastian says. [hs]

Cuisine • Open 6pm til late Mon-Sat • Private dining • Conference room available • A La Carte • For fine dining and intimate atmosphere

65 Wyndham Street, Shepparton Ph (03) 5821 3088 Fax (03) 5831 1923

HSSR080660035

• Fully licenced



the

passionate

gardener by Cheryl Hammer

For nearly three decades Rocky Costa has been able to fulfill his passion for gardening by weaving his green thumb magic over the backyards of many clients throughout the Goulburn Valley. But his most prized project is in his own backyard,

When describing his garden Rocky said “There is

where he has transformed half a hectare of barren,

nothing formal about this garden, I have structure which

weed infested paddock to a lush and tranquil oasis.

makes it pleasing to the eye but I enjoy a rambling, more free flowing style.

Characteristic of the many beautiful, historic Edna Walling gardens throughout Victoria, this piece of rural

Edna Walling is my inspiration. Our styles are very

paradise features semi formal and informal garden

similar and I have found I can draw on her ideas and

beds brimming with time-honoured shrubs and trees

creativeness when I am in the garden.

and traditional varieties of flowers all in his favourite red colour.

You should never be intimidated by other people’s gardens, do your own thing and build your garden for you. That’s the most important thing.” HOMESCAPE Magazine

13


Rocky, a self taught gardener, has built this enchanting space with his own bare hands. To make it truly his own it is filled with many sentimental ornaments, quirky and quaint gifts from treasured friends and hand crafted features that “just come to me when I am working in the garden”. A recent project , a low dry stone wall on the south side of the property, consumed more than 20 tonnes of rock, half of which Rocky cartered from the Longwood quarry a tonne at a time. It is capped with Castlemaine stone which was given to him by “a dear friend and kept for just the right purpose” he added. A set of ornate iron panels have been turned sideways and secured as gates which take you to the bottom of the garden - and a round, medieval looking structure doubles as a garden shed. Stone pots from the Cotswolds and a pair of iron cranes, transported all the way back from Byron Bay in the back seat of the family car, are discovered as you wander through the property. There is no rush here.

ISN’T IT TIME FOR NEW

‘STAINFREE’ CARPET? SEE THE TEAM AT CARPET COURT, SHEPPARTON

Melbourne Road, Shepparton (next to Harvey Norman) Ph 5823 2600 HSCC080660030


Each section of the garden, which is becoming increasingly drought tolerant, is dominated by circles – Rocky’s favoured shape. Affectionately known as “Lord of the Rings”, Rocky confesses to calling his patch “the round garden”. Whether it be a perfectly formed circle of the ground cover Creeping Boobialla (myoporum) around a centre piece, or a manicured piece of lawn fringing a large shade tree, Rocky’s penchant for the round creates a restful place. “The hard lines of geometric gardens all matching and everything in its place is not an inviting garden to me. I like things tidy but I allow them to ramble and change as they please. “I love soft edges, lots of plants for interest and I need space.” Chinese Elms are prevalent due to their hardiness and gorgeous autumn color along with the spectacular Manchurian Pear, Chinese Pistachio and Claret Ash. Thirsty trees such as Silver Birch will be replaced with tougher alternatives.

Natives that blend with the preferred European plantings have started to creep in, with an informal hedge of red Grevillea, Wystringia (native Rosemary) and Emu bush (Eremophila) which doesn’t require any water. Expanses of lawn have given way to garden beds full of bulbs, bushes of Oleander, Indian Hawthorn, May bush, Prunus and Salvia. Abelia makes an easy care hedge as an alternative to box hedge. The conifer, Leighton Green, has been clipped to create a walled space capturing the warmth of the sun – a special place to relax this time of year. The rose, Red Coat, is a favorite and a 10 year old espaliered Crab Apple is a feature from the bathroom window.

HOMESCAPE Magazine

15


“There is no other place I’d rather be.”

Protect your business with the help of Landmark Through our relationships, we are proud to facilitate the provision of insurance by Wesfarmers Federation Insurance Limited* (in all states) and (other than in WA) CGU Insurance Limited.* We work closely with either company to help regional and rural customers meet their insurance objectives. We can assist with the provision of a competitive quote and cover to suit different areas of your business, including cover for: • Buildings, Contents & Stock • Business Interruption • Theft • Glass Breakage • Public & Products Liability • Money • Commercial Motor Vehicles • Employee Dishonesty • Machinery & Electronic Equipment Breakdown Insurance quotations can be designed to suit different circumstances, budgets and business requirements. To find out more contact: Mathew Cucinotta 104 - 106 Drummond Rd, Shepparton 3630 Ph 03 5821 4822

Catherine Franklin 61 Ogilvie Ave, (PO Box 301), Echuca 3564 Ph 03 5482 1588

*This information is provided by Landmark (Qld) Limited ABN 31 008 996 218, and Landmark Operations Limited ABN 73 008 743 217 (AFSL No: 247332) which, respectively, act as an Authorised Representative (No. 275322) of CGU Insurance Limited ABN 27 004 478 371 (CGU) (AFSL No: 238291), an IAG Company, and a lead referrer for Wesfarmers Federation Insurance Limited ABN 18 009 027 221 (AFSL No: 239181) (WFI) and relates to financial products issued by CGU and WFI. This brochure may contain general financial product advice which has been prepared without taking account of your objectives, financial situation or needs. You should, before acting on the advice, consider the appropriateness of the advice having regard to these matters. You should also obtain and consider the Product Disclosure Statement for the relevant product, which is available from your local Landmark agent, before making any decision about whether to acquire or continue to hold the product. The cover available from CGU and WFI products differ in certain respects. Landmark receives a commission of between 1.5% and 22.5% of any premium written (excluding taxes and charges). # Also offered by NTI Limited ABN 84 000 746 for which Landmark (Qld) Limited acts as an Authorised Representative (No.275322 and receives a commission. lmk 006


A series of

patterned paths from recycled brick,

stone and concrete draw you through this seemingly never ending garden – another feature shared by this Toolamba gardener and the famous Edna Walling. By his own admission his patch does take up much of his time but he loves being outdoors among the plants. “There is no other place I’d rather be.” “This is not gardening, this is my life, my lifestyle. I have to have my chooks. They are essential in my garden as is the vegetable patch. I couldn’t imagine not having them,” Rocky says as he bends to run his hand through a sweet smelling herb. This is truly a place to please its passionate creator.

Take the Liberty to improve your Kitchen!

HSLK080660009

“For the best service and advice talk to our staff at Liberty Kitchens”

60 Williams Road, Shepparton Ph 5831 2620 sales@libertykitchens.com.au www.libertykitchens.com.au


Features of a Edna Walling garden. •

Use of stone, especially in low fences or walls and steps.

Dense greenery with few flowers, and a naturalness that softens and unites the garden to its house

Walling created ‘rooms’ in her garden plans. A room may be for the vegetable patch, to encompass a pool, as a place of repose or to be used as a formal space.

Edna Walling is one of Australia’s best loved landscape designers.

She often used pathways to connect these rooms creating the romantic feel Walling sought.

The first impression of a typical Walling garden is of tall trees

The English born Walling made her mark in Australian

gardens at a time when Australians loved all things English and when English migration was at its peak.

softened lines with nooks and crannies to be discovered •

Privacy was always respected by Walling and her gardens reflect this.

Walling’s English style designs complemented the stately manors that were fashionable during the early

Walling’s gardens are romantic. Overflowing garden beds,

Her gardens are peaceful sanctuaries

1900s. [hs]

Knights homemakers your complete home furnishing store!

t 'PS BMM ZPVS øPPS DPWFSJOHT t 'PS BMM ZPVS CFEEJOH CFESPPN GVSOJUVSF t 'PS BMM ZPVS DVSUBJOT CMJOET BOE PVUTJEF BXOJOHT t 'PS BMM ZPVS NBODIFTUFS BOE HJGUXBSF HSKH080660026

THE RIGHT CHOICE

67-69 Union Street, KYABRAM Ph 5852 2388


Join the Club... Moama’s Most Exciting Venue

by Rhonda Sutton

HOMESCAPE Magazine

19


This refurbishment makes effective use of light and space.

The flawless interior is a credit to the craftsmanship of local tradespeople

MASTER BUILDERS

KGB Constructions is one of the leading commercial building companies in the Echuca district. Formed in 1986, we have carried out a full range of commercial projects within the dairy industry, club, hotel and motel accommodation areas, retail and education fields spanning over more than two decades.

HSKG080660033

KGB Constructions would like to take this opportunity to sincerely thank the Board of Directors of the Moama Bowling Club for selecting a local construction company to carry out this project. During the construction process KGB Constructions employed the skills and excellent craftsmanship of the following local contractors and suppliers:

PO Box 88, Echuca Ph 0418 505 743 Fax: 54826214 kgb@bigpond.net.au

K G B CONSTRUCTIONS

MASTER BUILDERS

Macca’s Demolition, Thomson’s Electrical, Moama Electrical Services, Hearn Plumbing, Hilet Constructions, Davey and Williams, Sutton Constructions, Norvic Tiling, Rivafab, Total Plaster Supplies, HiWay Joinery, Campaspe Kitchens, Mark Haydon Painting, Glass Vision, Terry Gilby Carpets, Central Auto Doors, Andy’s Garage Doors, C&D Tiles, Dempsey GalvinTimber Supplies, Polvere Kitchens, Campbell’s Excavation, The Nursery, Echuca Moama Fencing, Henery Concreting, Echuca Hire, Hire Me, Echuca Mini Mix, Control Coating Australia, Rich River Brick & Tile, Rich River Sand & Soil, O’Reilly Haulage, Echuca Photocopying and Enlargements, Rich River Scaffold Hire, Jackpot’s Bobcat & Tipper Hire, Echuca Locksmiths, Lyndale Plastering, John Jackson Bricklaying, Rentex Rendering, Reece Plumbing Supplies, Hale Upholstery, Echuca Metaland, MCG Refrigeration, Echuca Mitre 10, WB Hunter, Cummings Crane Hire, Ellwaste, One Stop Paint Centre, Campaspe Cleaning & Carpet Care, Northvic Asphalting, Echuca & District Cable Locations, Moama Timber & Hardware, Riverina Concrete Cutting, Dahlsens, Echuca Roofing, AgParts, Castles Building Services, Ferrier Constructions.

KGB Constructions and Moama Bowling Club – partners in supporting local business.


Snuggled besid e the coz y fires i n t h e Pav i l i o n B a r at M o a m a Bowling Club it’s hard to b e l i e v e t h at yo u ’ r e i n o n e o f the region’s l argest clubs.

In the first stage of a massive re-development of Moama Bowling Club Sydney’s top designers were asked to create an up-market dining and entertainment venue that reflects the natural environment of the river. The result is arguably the most jaw-dropping piece of commercial architecture in northern Victoria.

Set against stone walls and lustrous timber paneling are sumptuous rugs and furnishings which have been individually designed to suit the space. Chandeliers sculpted from intertwining branches hover over the massive bar.

At one end of the building huge glass doors open to a handsome patio, with stone fireplaces set into walls that jag out from the exterior of the building. With its relaxed seating this elegant outdoor area is a pleasant place to enjoy the sunshine or take a breather from the dance floor.

HOMESCAPE Magazine

21


A gleaming grand piano is the centrepiece of the Piano Lounge

No matter what your insurance needs, we’ve got you covered.

Whether you run a small, sole proprietor business or a large, diversified company,

As one of the largest privately owned insurance brokerages in the nation, GGIB

GGIB has the industry experience and technical expertise to construct an insurance

offers a complete insurance broking package encompassing technical insurance

program that will fit your specific needs. Our trained professionals recognise these

advise, market analysis, risk management and claims management services. Give

differences and ensure that you get the right cover for the right price.

us a call today to discuss your insurance requirements.

22 Welsford Street, Shepparton | PO Box 1377. Shepparton, Victoria 3632 Ph: 03 5821 7777 | Fax: 03 5822 2916 Email: ggib@ggib.com.au | Web: www.ggib.com.au


There’s a stylish interplay of organic shapes and textures.

A gleaming grand piano is the centrepiece of the Piano Lounge. Comfortable chairs nestle beside gas log fires set in niches in the stone walls, accompanied by low tables crafted from natural timbers.

Nearby is the Players Terrace, where water features line a pleasant courtyard and bring the outdoors in.

With plenty of activities to occupy guests the Moama Bowling Club is an ideal venue for small or large gathering such as weddings, anniversaries, corporate social functions or product launches. The Pavilion Bar can be used in conjunction with the adjoining Jubilee Room for balls or other major events. Alternatively the new Bistro Terrace is available for more intimate private dinner or cocktail parties, with glass doors opening to an attractive outdoor courtyard.

The dramatic interior of the Pavilion Bar is a real show stopper.


The Pavilion Bar’s dramatic interior is sophisticated yet inviting, making it a popular place to meet friends and relax. Graze on authentic house-made pizza or mouth-watering satays such as pork, cumin and coriander or lamb, rosemary and yoghurt. Nurse a glass of hand picked wine or ale. Listen to live music on Friday or Saturday evenings. Your only problem will be extracting yourself from the soft leather sofas when it’s time to leave. [hs] NB: Club rules specify that children under 18 are not allowed in the Pavilion Bar and Piano Lounge

A popular place to meet friends and relax.

The grazing menu enables dining at an affordable price

• The Pavilion Bar is open Wednesday to Saturday from 5 pm and Saturdays from noon until 5 pm • On Friday nights enjoy acoustic style music in the Piano Lounge • On Saturdays nights dance to a live band in the Pavilion Bar

24

www.homescapemag.com.au


You’ll love it You’ll love Echuca-Moama’s premier entertainment and function venue. You’ll experience a level of customer comfort and ambiance like never before. You’ll feel like you belong. You’ll want to belong. You’ll love it.

6 SHAW ST., MOAMA. 2731 Tel: 1800 806 777 www.moamabowlingclub.com.au ABN 58001046939


Shepparton Villages

Caring for our Community 2008 marks the 40th consecutive year of operation for

doesn’t end there. Shepparton Villages also contribute

Shepparton Villages, and to celebrate they’re opening

to community education by regularly taking on students

the brand new Banksia Lodge residence at Kialla

for nursing and medical placements.

Gardens Kialla. The launch of the new Banksia Lodge residence is a The new 10.5 million dollar premises is the culmination

tribute to the hard work and dedication of our staff and

of several years of hard work and community support.

more than 140 volunteers and numerous community

Featuring 65 beds, up to the minute recreational

bequests. On behalf of our current and future residents,

facilities, and an enduring commitment to safety, family

the staff, management and board of Shepparton

and comfort, Banksia Lodge represents aged care at

Villages would like to thank the Greater Shepparton

its very best. Of course, that’s exactly what Goulburn

community for their outstanding contributions.

Valley locals have come to expect from all Shepparton Village residences. If you would like to support this wonderful project, fundraising With 650 residents under their umbrella of care,

opportunities still exist. For more information contact:

Shepparton Villages are renowned for their quality services and well-appointed independent living units.

Shepparton Villages, 9 Batman Avenue, Shepparton

Each of the Villages’ three locations (Tarcoola Village

Phone (03) 5832 0800 or visit www.sheppvillages.com.au

Shepparton, Rodney Park Village Mooroopna and Kialla Gardens Village Kialla) provides state of the art health care and entertainment facilities. From exercise classes and indoor bowls, through to movie nights,

W E P R O M I S E YO U

card games and festive dinners, residents are able to engage as much or as little as they wish.

BR IG H TER

the health and well being of your loved ones. Should ill health become a problem, the Villages have the necessary facilities to provide a higher level of personal

HSSV080660035

Shepparton Villages are deeply committed to ensuring

TOMORROWS

care. Shepparton Villages also provide a specialised Alzheimer’s facility and is a leading dementia carer in

not for profit aged care community organisation, community. Much of the villages’ $15 million dollar annual turnover is channeled back into the local

40 years off o

for

g

Shepparton Villages plays a strong role in the local

Carin

As the City’s region’s only locally owned and managed

uni

loved ones.

m

provides on-call monitoring and assessment of your

ty

the Goulburn Valley region. This includes dementia care mapping facility in which a division one nurse

our Com

economy through the employment of local trades people and medical staff. And the community spirit • TARCOOLA VILLAGE Shepparton • RODNEY PARK VILLAGE Mooroopna • KIALLA GARDENS VILLAGE Kialla

26

www.homescapemag.com.au

9 Batman Avenue, Shepparton Ph (03) 5832 0800 www.sheppvillages.com.au


Living the Lifestyle Dream... The Brookdale From Dennis Family Homes

Hayden Lewis is living his lifest yle dre am in a br and new home made possible by Dennis Family Homes.

Hayden and his young wife, Lara, have built their 26 square

The 26 year old’s first home was a DFH 14 square

home, The Brookdale, at Kialla Lakes in Shepparton and

house and land package which he sold to upgrade into

couldn’t be more pleased with the results.

a larger property due to the couple’s plans to start a family.

It is Hayden’s second foray in building a home with Dennis Family Homes (DFH) and his experiences have

“When we decided to build another home we did look

been so positive he is actually thinking of doing it all

around and talk to many of the home builders but we

over again.

kept coming back to Dennis Family. HOMESCAPE Magazine

27


Curtains

1

ADELENE

SAVEENERGY

“We really liked the plans for The Brookdale, we were also able

BLINDS SAVE UP TO 40%

DRAPES & PELMENTS SAVE UP TO 60%

OFF YOUR ENERGY BILL Saving energy not only helps fight climate change but can also save you money. Choosing the right curtains for your home not only makes your home feel more inviting but it will also drastically reduce your household bills. Its a fact: curtains regulate heat flow via your windows far more effectively than any other type of window covering. It can reduce the need for turning up your heater.

Stop waisting time and energy... contact the team at dollar curtains and blinds today to get your FREE measure and quote... and SAVE MONEY! HSDC080660025

638 - 640 Wyndham Street Ph (03) 5831 5622

S H E P PA R TO N


“We really liked the plans for The Brookdale but we were able to customise many features of the home as well. A lot of the other houses we looked at were pretty much locked in design,” Hayden says. But the biggest consideration for the couple was the fixed cost DFH could offer them. “So many others gave us a ball park figure for the project but could not lock a price in for us to work on. It was very frustrating. “In the end, when you know there are no big surprises at the end of the job, that the price given is what it will cost and that is real peace of mind,” Hayden added. The home construction was an exciting time. An open line of

communication with the building supervisor

meant that at every stage Hayden and Lara were consulted and there were no hold ups or fix ups due to this process.

to customise many features of the home as well.” “We always felt we were kept informed and in the loop with our house. Both experiences with this company have been fantastic. We would recommend them to anyone.” The Brookdale is a modern contemporary home with open plan living spaces, four bedrooms, the master bedroom with an ensuite and a decked outdoor area under the roofline. The Lewis’ loved the layout of the home with the master bedroom at the back and direct access onto the outdoor decking. A living room at the front of the home has been turned into a home theatre and the kitchen dining area is big enough for a dining table.

HOMESCAPE Magazine

Photography courtesy of Dennis Family Homes

29


FAITH CC1126

It’s always the right choice with Carpet Choice. The specialists in decoration, colour and design advice.

FINER FLOORS CARPET CHOICE 186 High Street, Shepparton. 5822 2777

RICH RIVER CARPET CHOICE

1/188 Annesley Street, Echuca. 5482 3883

www.carpetchoice.com.au

EUROPEAN STYLES, AFFORDABLE PRICES Exclusive furniture designs that you wont find in other stores • Supply architects, major builders, interior designers & the hospitality industry • Visit our new Echuca showroom & direct to the public outlet • You wont be disappointed Showroom - 2 Radcliffe Street. Echuca Ph 5480 0959 Email lmiechuca@lmiconcepts.com.au View Complete Range www.lmiconcepts.com.au


With the addition of Hayden and Lara’s seven month old baby boy the space is perfect for a growing family. The last project for Hayden now is to finish the landscaping in the backyard, but already he and Lara are planning their next project. “We are not afraid to build again. We have been very lucky with our experience with Dennis Family and we have some bigger and better ideas for the next project,” Hayden says confidently. “We just have to find the right spot to do it and I know Dennis Family Homes can help us with that too.”

“We are not afraid to build again. We have been very lucky with our experience with Dennis Family Homes”

Photography courtesy of Dennis Family Homes

HOMESCAPE Magazine

31


Design: in out

Let Your Colours Shine Colour! What a dull world it would be without it. Colour can dictate our moods, influence the way we think and portray much about our personalities. That is why it is so important for us to choose colour carefully when designing and decorating our homes and work spaces. The colour of walls, furnishings and accessories should reflect ones personality making it easy to live in Interior designer, Michaela Walsh, is an advocate for choosing what YOU like, not what is in fashion. This is more important than ever when choosing colours. “Your personality comes from your life experiences and colours in your living and work spaces should reflect that. Everyone has their own sanctuary colours. “Sure it is great to be “in the look” but what about your personality? Does the trend suit you? Are you comfortable in that look?

“That’s how I created the term ‘sanctuary colours’.” When working with clients, Michaela strives to create the perfect balance for the family or group by introducing a harmonious blend of their sanctuary colours. “These colours are chosen because of the effect they have on the client – to relax, to energise, to inspire – but most of all because that is what they are comfortable in.” Michaela shares her observations of how people react differently to colour.

32

www.homescapemag.com.au


D e s i g n :

“For instance red can be exciting for one but over the top for another. Some would consider using bold colours like red as courageous, but when used correctly it is actually the best option, when using white may highlight problem areas.”

overwhelming influence on the way most of us act, but we must not become inhibited about using colour,” Michaela says. “Children are influenced by primary colours that are as bright and pure as they are but as we travel through life

Terracotta - reminiscent of the red

our preferences change.”

earth of the hot, dry Australian landscape,

I n & O U t

“I understand that some colours do have an

from the bush to the bricks in our urban cities, “They generally change toward the more subtle hues

it has a stimulating effect on us.

of these primary colours and sometimes depending on our experiences, our preference can change totally.”

Green is alive, growing and always restful. It helps us to reenergise and is perfect for the busy and over stimulated among us. “Given that we like to live harmoniously within our environment, taking notice as to what makes us smile and feel good is the first step to achieving our sanctuary colours.” The skill is where, when and how much of these colours we should use and what responses we want from them? “So my advice is to get advice and let your colours shine.”

Neutral schemes help to create a stylish and minimalist

To discuss your colour requirements,

look and are compatible with those personalities who

contact Michaela Walsh - colour

enjoy order and calm.

consultant & designer.

Yellow is warm like sunshine and perfect for bright, cheerful, happy-go-lucky people, but when overdone it can be overwhelming. Definitely less is more in this instance. Nature offers the greatest emotional responses to

Telephone: 0409 181 063

colour and texture. Think of the sea and its blues, turquoise, teal, and sapphire. All can evoke childhood memories of happy holidays.

HOMESCAPE Magazine

33


Health Wellbeing

Forever Fit – What Bliss! When Fiona Wallace decided to loose weight and get fit after her second baby, she underestimated how setting that goal would change her life. She now has three children, has competed in her first triathlon and has turned her passion for fitness into a business, Bliss Fitness and Wellbeing. “I had been fairly unfit all my life, not sticking to any exercise routine for long but when I started seeing results at the gym after my second

“I competed in my first triathlon about 12 months after

baby, I was hooked.

and then studied to open my business.” Fiona is serious about keeping fit and healthy during and after pregnancy and she can empower others to do the same through a range of classes and programs she offers at her private studio. “I work on a complete sense of wellbeing, being happy

“I work on a

and healthy, as well as fit, during and after pregnancy.

complete sense of wellbeing, being happy and healthy,

“My goal is to empower others to cherish life and enjoy health, fun, food, fitness and family in their lives– a balance of mind, body and spirit.”

as well as fit, during and after pregnancy”

Bliss Fitness and Wellbeing is designed to create a comfortable and relaxed environment for pregnant women, women with babies and other women that may be uncomfortable in a gym situation. The classes are designed and instructed by Fiona to meet the client’s individual needs and level of fitness, so its like having a personal trainer rather than participating in a large class situation. “We don’t have any intimidating equipment and our small groups are a more friendly way to exercise. It is also social interaction for women who have things in common, being able to share experiences and information,” Fiona says. [hs]

34

www.homescapemag.com.au


H e a l t h

Calling All Mums A challenging work out with a small group of like minded women was exactly what young mum, Rochelle Telford,

&

was looking for when she decided to start exercising again after her third baby.

and she jumped at the chance to get fit again. The program has been developed to cater for time poor mothers of all ages who want better fitness and improve their shape.

Personal trainer and Instructor, Kym Hanley, says GI Mums is a very social way to exercise and the

“It was just what I needed at the time. I could put my

camaraderie among the group keeps everyone

three children in the crèche and get a fantastic work

challenged and motivated.

out in the hour long session.

W e l l b e i n g

With baby Austin just 10 weeks old, Rochelle was introduced to the program, GI Mums, at Aquamoves

GI Mums is perfect for those who might be intimidated “I had committed to be there three times a week for

by the more intense programs such as Boot Camp or

the five weeks and I saw fantastic results in that time,”

the much larger classes held throughout the gym.

Rochelle says. Much of the program is conducted outdoors offering In fact the 29 year old improved her fitness level by 49

a variety of challenging activities and having fun is

per cent in areas of cardio, strength and flexibility.

compulsory.

“I think this program gave me a much better result in a

“We saw fantastic results in the first group with one

quicker time than I would have managed on my own. I

mother of a six week old baby improving her fitness by

would recommend it to anyone who needs a kick start

34 per cent and losing five kilograms. Another woman

back to fitness.”

who was quite fit when she joined had a 21 per cent increase in fitness.” “It is more like personal training than a class. It is hard work but I feel a huge sense of achievement and I am well and truly back on track with my fitness,” says a happy Rochelle.

It’s a five week program that starts on:

4 August with three sessions a week. To book or for more infomation contact:

AQUAMOVES LAKESIDE SHEPP ART ON

Aquamoves Lakeside Shepparton | Tom Collins Drive, Shepparton VIC 3632 Phone: (03) 5832 9400 | www.aquamoves.com.au

HOMESCAPE Magazine

35


Health Wellbeing FOR THE PUREST... TOUCH & HUG

It has to be Organic! New babies need lots of care and attention, and as a new parent, it’s only natural to want to give your baby the healthiest and best start in life. So it‘s good to know that by choosing 100% organically grown naturally cotton products that is exactly what you are doing!

Parents should also be always aware of checking their babies for overheating, especially during the warmer months. To ensure that your child is in the appropriate clothing /linen for their environment, there is a European warmth rating measurement called a TOG.

Everybody knows that cotton is the best natural material for baby wear, however not all cottons in the world are created equal!

This system is simple to understand, the higher the TOG rating the warmer the product on your child.

The feel of the finished products, without using dyes or harmful chemicals, is so soft and gentle. The cotton fibres rich in vegetable proteins gently caress the baby’s delicate skin. So it is just right for your newborn baby!

TOG RATINGS

This is especially helpful for first time parents. Organically grown naturally colored cotton jersey is produced without the use of dyes or pesticides and chemicals. The cotton buds grow in natural shades of cream, brown and green. They are then processed to make the most wonderful natural and pure fabrics.

hot weather and very warm 0.5 For nursery environments of 24º - 27º use during warmer weather 1.0 For and in nurseries of 20º - 24º standard nursery room 1.5 For temperatures of 16º - 20º

natures

p u r e s t

naturally coloured cotton

HSOT080660034

organically grown no harmful pesticides no dyes

(Part of Oke’s Toywarehouse)

Lorrain St, Shepparton Ph 5831 1055 (off Benalla Rd)


Classic & Timeless AUSTRALIAN VIC ASH TIMBER FROM BEDSHED

• A classic and timeless bed setting made from Australian Vic Ash timber • English dovetail bedside drawers with traditional metal handles and full extension ball bearing draw runs • Everything you need to create your own bedroom masterpiece

• The exquisite mattress has a spring in a spring system for optimum comfort and support • 50% more coils which provides superior support and correct spine alignment • Individually pocketed coils to minimise partner disturbance HSBS080660002

2/130 Benalla Road, Shepparton Ph 5822 0522


Travel Adventure

Enchanting Europe, by River The stunning scenery, history, architecture and culture are

The boutique size of these ships offers a personal cruise

stand-outs in their own right, but when you add the comforts of

experience as well as allowing the ships to enter central ports

a luxury rivership, cruising the grand rivers of Europe becomes

which are often denied to larger ships. They will be the last

a very special experience.

ordered from the water in adverse conditions or when levels are low and they manoeuvre easily around bends and into

From the decks, lounges or cabins, glide quietly by vineyards,

locks.

castles clinging to cliff faces, forests and villages which make river cruising so enchanting.

Custom-designed French Balconies in most staterooms and suites and less passengers on board ensure the ships

It is a comfortable, serene and beautiful trip with land excursions

boast more floor space per person in both public areas and

set to a relaxed timetable.

suites than on almost any other European river ship, says the Australian family-owned APT.

This special group departure runs over 15 days, cruising first on The Blue Danube, then Mine Danube Canal and Main

The French balcony design also ensures passenger views from

River, onwards to the Rhine, disembarking along the way to

inside the room are not be impeded by a balcony.

visit Bratislava Castle and its views overlooking Slovakia, Austria and Hungary; Vienna, Melk’s magnificent Benedictine

Life on board is what you make of it. As well as lounges and

Abbey, Mozart’s birthplace Salzburg, the Imperial Castle at

bars, the ship features a glassed in wellness area for fitness

Nuremberg, the walled medieval city of Rothenburg, the old

work-out, a relaxing massage, or a beauty treat. Why not do

Franconia town of Miltenberg, 2000 year-old Koblenz finishing

the lot?

in Amsterdam. Or, take a complimentary bicycle on board for independent A special treat in Budapest is a private music performance by

explorations on shore. Off you go under your own steam for a

the Hungarian State Opera over a glass of champagne.

pedal around cities like Amsterdam, Budapest and Vienna.

The trip is on board APT’s own ms Amadagio, ms Amalegro,

While the timetable is fixed, Freedom of Choice – at no extra

ms Amacello, ms Amalyra, ms Amadolce or ms Amadante,

cost – presents optional excursions at many stops on APT’s

75-cabin riverships purpose built by APT World Discoveries in

“Exclusive Sailings”, which mean only Australian and New

partnership with Amadeus Waterways, one of Europe’s most

Zealanders are on board.

experienced rivership operators. Regardless, Europe looks marvellous from the water! These ships are stylish “holiday homes”. Stateroom and suites feature plush bedding, down pillows and duvet, flat-screen TV with local and satellite channels and internet access if you find the need to connect to your family back home and report (quietly brag, perhaps) the trip experiences.

38

Let our Experience enhance yours Travelscene @ Lyn McNaught, 114 McLennan Street, Mooroopna 3629 Ph: 03 5825 1866 Fax: 03 5825 3165 Email: travelscene@lynmcnaught.com


T r a v e l

River Cruising 2009

SPECIAL GROUP DEPARTURE

& Sweden

a d v e n t u r e

Iceland

Lake Lodoga

23 Day Magnificent Europe cruise featuring Prague, Paris and London DEPARTS 25 JULY 2009 FROM SELECTED GOULBURN VALLEY TOWNS

$10,980*

23 DAYS FROM per person, twin share + port charges

Netherlands Coach Amsterdam 14 Cruise Cruise Rhine ne 1 3 14 No. of night stays g o l z Co len Belgium Kob erg Prague Main mb 3 Lux. Ba m rg i e Czech Rep. 3 Paris sh be urg ein de en sau Slovakia nst Ru Milt ürzb berg g s Pa Linz Dür enna W em bur i r V s France u N gen Danube lk va Re Salzburg Me tisla ubeBudapest Switzerland a Austria Br Dan Hungary Slovenia

APT Guaranteed Inclusions: Services of an APT Cruise Director, Cruise staff gratuities included – save up to $600 per couple, Free airport transfers on first and last day – save up to $300 per couple, Freedom of Choice Touring at no cost in Amsterdam, Nuremberg, Passau and Vienna, Exclusive! Enjoy champagne and a private recital at Budapest’s State Opera House, 14 nights aboard one of APT’s luxury river ships, All meals included on board, Quality local wines included with dinner, Cocktail Reception, Captain’s Gala Welcome Dinner, Gala Farewell Dinner, Also includes wine tastings and traditional theme dinners, 4 nights deluxe accommodation in Prague, 3 nights deluxe accommodation in Paris, Eurostar from Paris to London, 1 nights deluxe accommodation in London. Add: $280 port charges per person.

EXCLUSIVE SAILINGS

FRENCH BALCONIES Portugal

1 London

EXPLORE BY BIKE

APT OWNED SHIPS

Tunisia

Morocco

WHY CRUISE WITH APT?

WHY EUROPE RIVER CRUISING? Hassle free Unpack and check-in once Avoid congested highways Relaxing pace Dock in the heart of cities & villages Panoramic views from the Sun Deck

Call 13 13 98

Ukraine

Algeria

Australian family owned Pioneers of River Cruising APT’s custom-designed fleet of river ships are the newest in central Europe Transfers on first & last day SAVE $300 per couple

All inclusive price Tipping included on Exclusive Sailings SAVE up to $600 per couple APT Exclusive! Champagne Music Recital at Budapest Opera House at no extra cost

Freedom of Choice Touring at no extra cost Complimentary quality wine Libya with dinner Travel with Australians & New Zealanders

Travelscene @ Boomerang Travel – Kyabram

Travelscene Deniliquin

Travelscene @ Lyn McNaught – Mooroopna

Travelscene Shepparton

Travelscene Echuca

*Conditions apply. Tour price based 25 July 2009 departure. Cat. E cabin. Subject to availability. Price is excluding airfare and air taxes. Airfares and air taxes will be released end October 2008. Strictly limited to 40 seats. For full terms and conditions refer to APT 2009 Europe River Cruising & Touring brochure and flyer. Lic. No. 30112 MKT5621

39


Wealth Finance You’ve found a property, but...

Can you afford to pay for it? Borrowing

The first step is saving enough money for a deposit. The more that you can contribute the lower your costs will be.

Savings Strategies 1. Assess your current spending habits and identify areas where you can consistently tighten the belt. Try to replace some essential items with cheaper alternatives. 2. Many people incur penalty fees for dipping into an overdraft or overspending on credit cards. Try to eliminate such waste. 3. Consolidate debt. You can often reduce the interest you are paying by simply placing all your debt in one loan or with one financial institution. The loan aside, you will need cash to meet other costs such as stamp duty, conveyancing and other legal fees.

Talk to a local about making a house your home.

Home Loan Choices

Standard

Interest

Standard

Basic

Variable

Introductory Fixed for 6 months then variable

Fixed

Fixed for 1,2 or 3 years

Extra Repayments Redraw Owner Occupied Investment First Home Owner Split Loan Use for construction Low deposit

GMCU is your local lender in central Victoria. Whether you are buying, building or refinancing, GMCU offers friendly personal service and local knowledge.

Shepparton Benalla Echuca

Euroa Kilmore Kyabram

We offer a choice of mortgage loans, with competitive rates and terms to help you own your home sooner. We understand your community, we understand

Mooroopna Numurkah Seymour

mortgages and we understand your needs. Make yourself at home with a GMCU Home Loan. Whatever your home lending needs, talk to a local lender at the GMCU.

Violet Town Alexandra gmcu.com.au

Goulburn Murray Credit Union Cooperative Limited. ABN 87 087 651 509 AFSL 241364 Terms, conditions, normal lending criteria, fees and charges apply.

Goulburn Murray

Credit Union


When applying for a loan, try to gather the following documentation:

deal. Lenders may impose a borrowing limit based on a percentage of pre-tax income; for example, 30 per cent. If your pre-tax income is, say, $50,000 a year, your maximum repayment could be about $1250 a month. The interest rate on the mortgage you choose will dictate your borrowing power for that level of monthly repayment. If you are buying an investment property, financial institutions will often let you count a certain percentage of the property’s rental as income. Visit a range of financial institutions, including credit unions, building societies and banks. Ask some basic questions of your lender: • • • • •

What loan options are available? What will my repayments be? What deposit is required? What are the fees and charges? What are the loan conditions and penalties?

When you have selected a lender, get a clear statement of their approval conditions in writing.

What Lenders Want Lenders take into account four main considerations when assessing a loan application: Capacity - Can you afford to repay the loan? Character - Are you a good financial risk? Do you have a history of paying your debts?

The Case for Credit Unions Credit unions, like the GMCU, are financial co-operative institutions owned and operated by the people who save and borrow with them. Australia’s credit unions have a network of more than1000 branches and agencies throughout the nation. They are democratic, member-owned financial institutions that focus on the members they serve.

F i n a n c e

Investigate your home loan options thoroughly. The market is extremely competitive, so shop around for the best

&

Choosing a Lender

• Bank account statements and any loan or credit account details; • Proof of any assets such as shares; • An estimate of your monthly household expenses and a summary of assets and liabilities; • Copies of your pay slips; and • Recent tax returns and group certificates.

W e a l t h

The Paper Chase

Credit union members can borrow and deposit on reasonable terms and expect competitive rates and account-keeping charges because there are no external shareholders demanding dividends. In addition to providing a range of home loan options, many credit unions will help you set a budget and make sure the loan repayments are right for your circumstances. Many also offer building and contents insurance. For a free full educational booklet on Buying Property visit www.gmcu.com.au. There are also other educational booklets on Budgeting, Buying a Car, Wealth Creation and many more.

S O L D

Collateral - Is the property you are buying adequate security for the money you are borrowing? Capital - What you already own. HOMESCAPE Magazine

41


The team at Metzke + Allen have expanded!

Metzke + Allen is a well respected Chartered Accounting firm with offices located in Shepparton and Melbourne.

Since

1960, when the firm was first established under the name of Wilson, Dandby and Giddy, the current day Metzke + Allen has evolved and developed into a firm with a long history of nurturing their strong client relationships with long established client groups in the local and wider community. It prides itself on providing a comprehensive range of professional services designed to meet the challenging demands of both local and national clients. In a number of cases, Metzke + Allen has been providing these services to fourth generation clients. The firm provides specialist accountancy, taxation, management consulting and audit services to both the private and government sectors. It also offers other services including superannuation administration of self managed superannuation funds. Through the financial planning arm, Metzke + Allen Financial Advisers Pty Ltd, an authorized representative of Financial Wisdom, offers a wide range of specialist financial advice. The firm’s current directors, Frank Metzke and Russell Allen are pleased to announce an exciting new direction for the firm with the addition of three new directors. Michelle Collins, Michael Milne and Gavin Napier will be joining the firm as directors as of July 1 2008. Michelle, Michael and Gavin have been valued employees of Metzke + Allen over many years, each contributing with a wide range of experiences, and are now taking a new step in their career by joining existing directors Frank Metzke and Russell Allen to expand the services that Metzke + Allen have to offer.

L-R: Frank Metzke, Michael Milne, Michelle Collins, Russell Allen, Gavin Napier They have contributed significantly with the development and growth of the firm and will continue to be an integral and influential part of the team. Together they will bring their youthful enthusiasm, industry knowledge and expertise to the firm which are all attributes Frank and Russell believe will further enhance Metzke + Allen’s services to each of their valued clients. The offices and staff at Metzke + Allen specialize in offering the following services, including:

CHARTERED ACCOUNTANTS

FINANCIAL ADVISERS

Accounting Services Taxation Services Business Restructuring & Management Advice Business Consulting & Strategic Planning Capital Gains Tax Advice GST Advice External & Internal Audit Succession Planning

Superannuation Advice Financial & Investment Advisers Insurance/Risk Management Retirement Planning Estate Planning

The firm also offers a complete package of superannuation administration functions, ranging from establishment of a superannuation fund to annual reporting requirements. Each and every one of the 37 staff at Metzke + Allen enjoy the challenge of solving business issues and working with their clients to provide innovative solutions to meet their expectations. So come and see the new Metzke + Allen team for their business and financial solutions this financial year.

368 - 370 Wyndham St, Shepparton Ph (03) 5831 5233 www.metzkeallen.com.au HSMA080660036


R E C I P E

“Let’s do Lunch” PHIL & PAULINE INVITE YOU BACK

Rico tta Gno cchi with Tom ato & Basi l Nap oli Sauc e Serves Recipe supplied courtesy of Madisons Food Store. Four Gnocchi Foodies with an appetite for natural and fresh ingredients, gourmet style meals, desserts and a range of quality condiments will be in heaven at Madisons Foodstore. The modern contemporary food store / café is the latest venture of Shepparton duo Phillip and Pauline Gadsby. It is a one stop gastronomic shop for families wanting to take home a freshly cooked meal, hungry workers at lunchtime and those organising a business function. Full catering for business and private events and a take home service of gourmet meals are two main features of the new food store which buzzes daily with customers who have discovered Pauline’s hand made desserts. The café is also stocked full of condiments like relish, olives, pesto, conserves, mustards and chocolates, coffee beans and cheeses.

• 600 grams fresh Ricotta • 2 x Eggs - small • ½ Cup Grated Parmesan • ½ Cup Plain Flour • Salt & Pepper to taste • Extra Parmesan (if required)

Directions

• Combine fresh ricotta, eggs, flour, parmesan, salt & pepper in a large bowl. • If needed add a little more flour to bind the dough together. • Then roll into small round dumplings, once finished cover and refrigerate (30 Mins). • Bring a large pot of salted water (1 tsp salt) to the boil, and then gently place each gnocchi in • Once they rise to the surface of the water, remove with a slotted spoon. • Plate gnocchi and top with freshly grated parmesan cheese and hot Napoli sauce.

Tomato & Basil Napoli Sauce

• 3 x 400gram tins of SPC crushed tomatoes • 3 x large onions • ½ handful of fresh basil • 4 x cloves of garlic (finely chopped) • ½ glass red wine (optional) • Olive oil - for frying • Salt & pepper to taste.

Directions

• In a heavy based pot, fry off onions and garlic in olive oil. (Note: do not brown the garlic as it will have a bitter taste) • Add the red wine (if desired) along with the tomato’s and basil. Cook for approximately 1 hour or until the sauce has reduced to a thick consistency.

Chef’s Tips:

OPEN: 9 am to 5pm Mon to Fri.

Fraser Street. Shepparton | Ph: 5821 2486

• If you do not like the taste of basil, you can substitute it with fresh parsley. • When tomatos are in season (during the summer months) you may like to substitute your tinned tomato’s for fresh. You will need to keep them on a fast simmer to reduce them to the correct consistency. HOMESCAPE Magazine

43


"UILDING¬IN¬¬ YOUR¬TOWN¬NOW !WARD WINNING¬HOMES¬ 7EæHAVEæAæPROUDæHISTORYæOFæAWARD WINNINGæ HOMEæDESIGNS æASæONEæOFæ!USTRALIA SæMOSTæ AWARDEDæHOMEæBUILDERS æ7EæHAVEæRECEIVEDæTOPæ DESIGNæAWARDSæFROMæBOTHæTHEæ()!æANDæ-"!

9OUR¬CUSTOMISED¬HOMEæ "UILDINGæAæHOUSEæISæNOTæJUSTæABOUTæBRICKSæANDæ MORTAR æTOæADDæYOURæPERSONALæTOUCHæREQUIRESæ STYLING æDESIGNæANDæDECORATION æ7EæPRIDEæ OURSELVESæONæOFFERINGæYOUæTHEæABILITYææ TOæINDIVIDUALISEæYOURæHOMEæATæOURæINDUSTRY LEADINGæSELECTIONæCENTRES æ3TUDIOæ æANDææ 3TUDIOæM æ4HISæISæALLæPARTæOFæOURæSTEPæBYæSTEPæ BUILDINGæPROCESS æ

/UR¬1UALITY¬!SSURANCE¬0ROGRAMæ !æGUARANTEEæBUILTæONæTHEæVERYæFOUNDATIONSæOFæTHEæ MATERIALSæUSEDæTOæBUILDæYOURæHOME æ!æRIGOROUSæ QUALITYæCONTROLæPROCESSæENSURESæYOURæHOMEæISæ COMPLETEDæTOæTHEæHIGHESTæBUILDINGæSTANDARD æ4HISæ ISæWHYæEACHæHOMEæISæSUPPORTEDæWITHæAæROCK SOLIDæ æYEARæSTRUCTURALæGUARANTEE æ

7E¬DESIGN¬HOMES¬THAT¬CELEBRATE¬FAMILY¬AND¬ LIFESTYLE¬AND¬ALWAYS¬OFFER¬OUTSTANDING¬VALUE¬ FOR¬MONEY ¬!¬HOME¬THAT¬YOU¬CUSTOMISE¬ AND¬CREATE ¬BACKED¬BY¬OUR¬ ¬YEARS¬OF¬ EXPERIENCE¬AND¬OUR¬QUALITY¬ASSURANCE¬ PROGRAM ¬4HAT S¬THE¬-ETRICON¬DIFFERENCE

4RIBECAæ-ETRO

!N¬EXCELLENT¬HOME¬BUILDING¬EXPERIENCEæ 7ITHæOVERæ æYEARSæOFæEXPERIENCEæANDæKNOW HOWæWEæWILLæENSUREæTHEæPLANNINGæANDæBUILDINGææ OFæYOURæHOMEæRUNSæSMOOTHLY æ/URæPROUDæTEAMææ OFæPROFESSIONALSæAREæCOMMITTEDæTOæOURæ CUSTOMERS æNEEDSæANDæDELIVERINGæEXCELLENCEææ INæCUSTOMERæEXPERIENCE

3PEAK¬TO¬A¬-ETRICON¬.EW¬(OME¬#ONSULTANT¬TODAY¬OR¬VISIT¬OUR¬DISPLAY¬THIS¬WEEKEND 3(%00!24/.¬¬ $)30,!9¬#%.42% /PEN¬EVERY¬DAY¬ n PM 7ENDOUREEæ$R æ+IALLAæ,AKES 6IC2OADSæ æ- 0H æ æ æORæ æ æ

.%7¬3(%00!24/.¬¬ 3!,%3¬/&&)#% /PEN¬WEEKDAYS¬ n PM æ'OULBURNæ6ALLEYæ(IGHWAYææ +IALLA æ6IC2OADSæ æ. 0H æ æ

3(%00!24/.¬.%7¬¬ (/-%¬#/.35,4!.4 *ODIE¬7ILSONæ æ 0H æ æ æ .ATALIE¬(EATHææ 0H æ æ æ

!LLæPHOTOGRAPHSæAREæFORæILLUSTRATIVEæPURPOSESæONLYæANDæMAYæCONTAINæITEMSæTHATæAREæNOTæINCLUDEDæINæTHEæ-ETRICONæSTANDARDæSPECIlCATION æ-ETRICONæMAKESæNOæWARRANTIESæABOUTæTHEæACCURACYæORæCOMPLETENESSæOFæINFORMATIONæANDæRESERVESæTHEæRIGHTæTOæALTERæ PRICESæORæTHEæTERMSæOFæTHEæOFFERæWITHOUTæNOTICE ææ -%4æ2


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.