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JULY 2021 Edition 123

WESTERN SYDNEY BUSINESS

BUSINESS | LIFESTYLE

AIRPORT SOARING CEO forecasts great opportunities Artist impression of the new Western Sydney Airport.

at keynote talk to APEX Summit

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.ESTERN Sydney Airport is well on track for completion in 2026, according to CEO Simon Hickey. Major earthworks are more than half done and the tender for the terminal build is expected to be awarded this year. Mr Hickey told a recent conference the new airport will open big opportunities for Australia’s biggest city. “This is about

developing a new future for people living in Western Sydney and Sydney and connecting us with a 24/7 airport to the world,” Mr Hickey told the recent FTA/ APEX summit. Work on the airport started in 2018 after decades of postponements, studies, stopping and starting. The Airport is located 40km miles west of Sydney’s downtown and the present airport. Full story page 11.

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Legacy pension changes welcome: FAMILY BUSINESS: 20 Blue Mountains aims to reboot its tourism industry: 10


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West in top 10 hottest suburbs NEW paper commissioned by Muval shines light on the record levels of net migration since March 2020. A national survey, included in the paper, confirms we are a nation of movers with half the population keen to relocate for a change of scene. The survey also found that 40 per cent of Aussies want to own their own home and nearly equal amounts (38 per cent) want to own their home in addition to being a landlord. In the report, Parramatta has been named in the top 10 hottest suburbs (where people are moving) across NSW and ACT. The new report offers insight into where, why and how people are moving and has found that unlike Melbourne, Sydneysiders are staying local to their city with no spike in them wanting to leave since the lockdown started. In fact, Muval’s data on the top 10 hottest relocation suburbs across NSW and ACT shows loyalty to the beloved inner-city suburbs despite the tempting regional draw card. “Since government restrictions began in March 2020, there have been over one million searches for ‘moving house’ COVID related questions,” says James Morrell, Co-Founder of Muval–an online search engine for vetted removalists–a

• Braddon. • Newtown. • Alexandria. • Darlinghurst. • Glebe. • Waterloo and Byron Bay (equal place).

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Key research findings

Parramata has been named in the top 10 hottest suburbs where people are moving.

sector which is being challenged to keep pace with demand. The survey findings shine a light on how transient Australian adults are compared to years gone by. It reveals Australians’ property and financial goals, why they move and how they move. The paper includes the latest Muval statistics which have, over the past year, become a trusted early indicator of net migration data released quarterly by the Australian Bureau of Statistics. The data and research inside the paper identifies key trends when it comes to moving home including Australia’s most

popular suburbs and insight into job vacancies across the States and Territories. Morrell says the paper aims to discuss the shape of the nation as work from home continues, governments incentivise workers to move regionally and housing affordability pushes many Australians outside capital cities.

The hottest suburbs in NSW and ACT (where people are moving to:): • Surry Hills. • Belconnen. • Parramatta. • Paddington. WSBA enables readers to appreciate and engage with the physical, community, cultural and business environments of one of Australia's fastest growing regions, Greater Western Sydney.

CONTENTS News Liverpool Penrith Parramatta Sydney Hills Property Family Business Travel

• A third (33%) of Aussie renters want to own their home and 28% of renters are content renting without the burden of a mortgage. • Aussies between 18-34 years old are most ambitious with their property and financial goals with 44% of 18–24-year-olds and 47% of 25–34-year-olds wanting to be home owners and landlords (compared to just 23% of 55-64 year olds.) • Just 20% of Australians are working towards having paid off their mortgage by the time they retire and 32% of homeowners are aiming to pay it off before they retire. • The rising popularity of Airbnb and Stayz has led nearly 20% of Australians to having a goal of owning their own home plus a holiday rental. • Nearly a third of Aussies say they’re likely to change their home loan product when moving house. • West Australians (35%) and Territorians (38%) less loyal to their existing home loan. • The most loathed parts of moving are packing, cleaning and unpacking–with 63% of Aussies rate packing in the top three things they loathe the most about moving house • 18% of men compared to 13% of women loathe setting up home providers. • 34% of women loathe packing compared to 28% of men.

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JULY 2021

WESTERN SYDNEY MEDIA ALLIANCE Western Sydney Business Access (WSBA) ACCESS NEWS AUSTRALIA PTY LTD ABN 39 600 436 799 Publisher/editor: Michael Walls M: 0407 783 413. E: michael@wsba.com.au Associate Editor: Dallas Sherringham Journalists: Elizabeth Frias, Paul Haigh. Account Managers: Julie Jackson: 0447 291 780; Graham Maughan: 0431 557 791 Contributors: Pierre Wakim, Adam Simpson, Jacob Richardson, John Mellor. Printer: New Age Printing Design: Design2Pro, DMC Advertising Group. General enquiries: info@wsba.com.au Phone: 02 4572 2336 Fax: 02 4572 2340 We pay respect to the Traditional Custodians and First Peoples of our region and acknowledge their continued connection to their country and culture.

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DISCLAIMER: The publisher, authors and contributors reserve their rights in respect of the copyright of their work. No part of this work may be reproduced or copied in any form without the written consent of the publisher. No person or organisation should in any way act on the information and content of Western Sydney Business Access or www. wsba.com.au without first seeking professional advice. The publisher, contributors and agents accept no responsibility for any actions that may arise from the contents of this newspaper or website www.wsba.com.au. The opinions and views expressed by contributors are not necessarily those of the publisher. Advertisements are published in accordance with WSBA terms and conditions published in the media kit downloadable at www.wsba.com.au. Advertisers agree to indemnify the publisher and his agents for any actions that may arise as a result of published advertisements or contributions. Advertisers agree to abide by the terms of trade outlined by the publisher.

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Why house prices in COVID are soaring Fewer properties available

 DR BRENDAN RYNNE NE of the conundrums of the COVID-19 era to many is why during a pandemic – with recession only having been staved off by mass government stimulus packages – house prices have been soaring. Surely they should be declining? To answer this question KPMG Economics expanded its previous house price modelling for Sydney and Melbourne to all capital cities and for both houses and units and then looked at what has actually happened over the past 18 months and compared it to a scenario of ‘what would have happened if COVID-19 had not occurred.’ The analysis was based on macroeconomic forecasts it prepared just before the pandemic struck (ie: the no-COVID scenario) and its most recent forecasts (ie: the COVID scenario). What the analysis shows is that by the end of 2023 house prices are expected to be between 4-12 percent higher and units up to 13 percent higher than they otherwise would have been, if (a) there has not been a global pandemic and (b) various policy responses hadn’t been necessary to implement, such as pushing the cash rate down to 0.1 percent, introducing the HomeBuilder program or starting Quantitative Easing. So why the difference? The ultra-low interest rates that the RBA has maintained during this period, allied to the government support to the housing market, has outweighed the longer-term negatives associated with the housing market such as lack of migration and slower population growth.

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There will, however, be an end to it. The currently red-hot price growth is expected to temper over the next two years, as mortgage rates rise and the fundamentals of the housing market begin to reassert themselves. Pre-COVID, going into 2020, property prices in Australia capital cities were due for a cyclical upswing. Initially at least, this was stymied by the uncertainty caused by the pandemic and consequent economic downturn, which saw a three percent fall in prices in the June 2020 quarter.

But once market participants became confident that the pandemic would not result in a free-fall of home values, a combination of monetary and fiscal policies quickly began to push things the other way. The material decline in mortgage interest rates; extra savings from not spending on holidays and leisure; and generous income support from government and housing market support specifically, has seen property prices rise dramatically in the past six to nine months, past the point to where they would have risen under a noCOVID scenario.

Supply too plays a role. Our analysis of dwelling approvals in the big cities shows that in Melbourne and Sydney there are likely to be 25,000 and 20,000 respectively fewer houses and units available than would have been the case in a no-COVID scenario. In KPMG’s analysis, the differences in the prices in capital cities, over the four years Dec 2019-Dec 2023 in COVID and no-COVID scenarios are led by Sydney with a predicted 25 percent rise now, compared with what would have been a 13 percent rise. Brisbane is next with a 19 percent rise compared with a no-COVID 8 percent increase. There are certainly issues here that the RBA in particular, needs to consider. Last week, the Governor trimmed back a little on the bond-buying program but essentially kept up the extremely dovish monetary policy settings. These clearly played a key role in staving off recession early in the pandemic, but the domestic economy has rebounded strongly, with unemployment returning to preCOVID levels, and asset price inflation is still accelerating. So the challenge now is how to steer the economy through this stabilising period without it becoming unbalanced. Of increasing concern is the balance between investment activity in the residential property sector and investment activity in the business assets that will potentially stimulate productivity and generate higher returns in the future. If this continues there is a risk the nation’s portfolio of economic assets could become distorted, which will negatively impact living standards in the future. Dr Brendan Rynne is Chief Economist, KPMG Australia.

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Mounties in amalgamation talks  DALLAS SHERRINGHAM ESTERN Sydney club giant the Mounties Group has confirmed it is in talks with Breakers Country Club’s board over a potential amalgamation. If it comes off, Breakers would be the third Central Coast venue to join Mounties Group in less than 12 months. Halekulani Bowling Club and Club Wyong joining in March and April. Mounties Group board said it was ‘very excited’ to announce that

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it was currently working through the amalgamation process with Breakers Country Club. The Board at Breakers Country Club said it had recently entered a Memorandum of Understanding with Australia’s number one registered Club group, Mounties Group. “This is an incredibly exciting prospect for us as a community-focused club with a number of successful sub-clubs under our wings,” CEO Ken Pearson said. “Earlier in the year, we entered into discussions with several club groups with regard to the prospect

of amalgamation. Ultimately, the decision on who to proceed with, came down to three important factors: • Values and vision alignment. • Future opportunity for stability and growth. • Greatest benefit to our members, staff and community “Mounties Group has a fantastic history of successful amalgamations, which is why we feel this is the right fit for us as a Club.” Mounties Group CEO Dale Hunt attended an information

night for members will have the opportunity to vote on whether to approve the proposed amalgamation in due course. Should the Amalgamations be successful Mounties Group will be the Parent Company. During the past 12 months Breakers received merger-amalgamation offers from Mingara Recreation Club Limited and Doyalson Wyee RSL Club Limited. However, the Board resolved to amalgamate with Mounties and consequently, it did not pursue an amalgamation with either of those clubs.

Dale Hunt.

Astonishing 92% recycling rating ALKER Corporation’s Parramatta Square has been awarded Six Stars in the Green Star ratings for its first two towers. Responding to the announcement, Executive Chairman Lang Walker said the vision for the $3.2B development had sustainability at its core. “The awarding of the Six Star ratings is an important statement for major corporates seeking state-of-the-art environmental features combined with cost-effective, premium grade office space with fast transport at the doorstep,” Mr Walker told Architecture & Design Magazine “Parramatta Square is an example of our commitment to collaboratively deliver vibrant office and public spaces, as well as a range of amenities, both for the 30,000

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Lang Walker.

workers who will be working every day in Parramatta Square on completion as well as the entire Western Sydney community.” The 70,000sqm 4 Parramatta Square is now the first and only building in Parramat-

WESTERN SYDNEY BUSINESS ACCESS JULY 2021

ta to achieve a Six Star Green Star - Interiors rating as well as a Six Star Green Star - As Built rating. The result provides not only carbon emissions reduction, but also increases comfort and wellbeing benefits to the 5500 government workers housed in the tower, at capacity. NSW Minister for Energy and Environment Matt Kean said: “This project at Parramatta Square was able to achieve an astonishing 92% recycling rate across all construction and demolition waste which was taken to a state-of-the-art materials recovery facility.” . Forming part of Australia’s largest current urban renewal project, 3 and 4 Parramatta Square achieved the ratings through their energy efficiency, low emissions,

strong public transport links, materials selection, technology and innovation. On top of the excellent Green results, 4 Parramatta Square has also just achieved outstanding NABERS ratings with 5.5 stars for Base Building Energy and 5 stars for Water. NABERS measures the energy efficiency, water usage, waste management and indoor environment quality of a building or tenancy and its impact on the environment. Green Building Council of Australia CEO Davina Rooney said: “Parramatta Square is an example of world leadership in design and construction.” On completion, Parramatta Square combined will be Australia’s largest commercial office tower. Source: Architecture & Design Magazine

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Speedway construction at halfway  DALLAS SHERRINGHAM ONSTRUCTION on the new Sydney International Speedway at Eastern Creek has passed the halfway mark and is on track to be hosting race fans at the start of the 2021 racing season. It is a great opportunity for Speedway to once again with the hearts of motor racing fans in the west. Speedway was once a major sport in Western Sydney, drawing up to 40,000 people and producing top drivers such as Triple F1 World Champion Jack Brabham. However the loss of tracks at Westmead and Cumberland Oval and declining standards at Parramatta raceway in Clyde, led to a fall in attendances and the Touring Car Championship replaced it in the minds and lounge rooms of motor sport supporters. The new speedway should see it come roaring back, especially if it can score a major TV contract. Minister for Sport Natalie Ward and Minister for Transport Andrew Constance recently inspected construction works at the Eastern Creek site. “This is an exciting and revolutionary addition to motorsport in Sydney which will bring in interstate and overseas com-

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Artist impression of the speedway in action.

petitors, crews and spectators, delivering a boost to our economy,” Ms Ward said. Mr Constance said the project provides for more than 325 workers onsite and 60% are local to Greater Western Sydney. The project is also using the services of 58 local small to medium businesses. Construction started in December 2020 and has included: • Excavating one million tonnes of soil and rock at the site to support construction. • Constructing a 500m long reinforced retaining wall using almost

Minister Natalie Ward.

itors and an additional car park for Dragway events also under construction. The speedway circuit is also taking shape, while the grandstand, seating and corporate boxes will all be installed in the coming months. The new speedway is expected to be operational by the start of the Speedway season in late September following the decommissioning of the previous speedway at Clyde, which was on land required to stable new metro trains for the mega Sydney Metro West project.

1000 precast concrete panels and 40,000 tonnes of recycled sandstone from the WestConnex project. • Work on the construction of a 1,200,000 litre storm water retention tank. The tank’s capacity is the equivalent of 60% of a standard Olympic-size swimming pool and is one of two water retention tanks being built for the project. • Construction of new dedicated car park for speedway compet-

New bridge for key route in the Hawkesbury NEW Richmond bridge and bypass will now become a reality, cutting travel time and creating jobs, following an additional $250M investment from the NSWS and Federal Governments. The new two-lane bridge across the Hawkesbury River will also include a by-

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pass of Richmond and North Richmond, creating an estimated 850 direct and indirect jobs. The funding boost includes $200M from the Commonwealth and $50M in the 2021-22 NSW Budget, and brings the total joint commitment to $500M.

The preferred route will involve a bypass of North Richmond connecting to a new two-lane bridge north of the existing bridge. A new roadway will bypass Richmond to the south, connecting from Old Kurrajong Road to the Driftway. Prime Minister Scott Morrison said

the Commonwealth’s $400M commitment to the project would help improve road safety and reduce travel times in the area and support the future growth of Western Sydney. Visit nswroads.work/richmond-bridge.

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From paddock to global CBD  DALLAS SHERRINGHAM RADFIELD City Centre at the Aerotropolis is set to become Western Sydney’s newest boom CBD following a commitment of $1.15B by the NSW Government. The massive injection of funds will kick start work on Bradfield City, supporting thousands of jobs on the doorstep of the new Western Sydney International Airport. It ensures that the Airport will have its own CBD which will rise from a paddock and develop into a cosmopolitan city. This in turn will encourage visitors to Sydney will be more inclined to bas themselves close to airport during their stay. Premier Gladys Berejiklian said the funding paved the way for work on the project to start this year, starting the creation of a world class city precinct that would support up to 17,600 highly skilled jobs. “This is another exciting step forward in realising the Government’s vision for this city-building project,” Ms Berejiklian said. “We have named the new Aerotropolis city, Bradfield and now work is set to begin to turn what is essentially a paddock today into a thriving global city centre.” The commitment includes $975.5M in enabling works to establish, remediate and allow site access to about 100ha of land, driving the COVID-19 economic recovery not only in NSW, but across the nation. The funding will also help to create a key Indo-Pacific economic hub, unleashing international investment in advanced manufacturing, aerospace and Defence, agri-business, pharma, freight and logistics, health and education.

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NSW Treasurer Dominic Perrottet said this vital investment would lay the foundations for Bradfield to be transformed into a world-class precinct that would drive jobs now and into the future. “Bradfield City will be the next jewel in Sydney’s crown and we’re putting in the groundwork to deliver an iconic city that will unlock new economic opportunities, particularly for the people of Western Sydney,” Mr Perrottet said. Minister for Jobs, Investment, Tourism and Western Sydney Stuart Ayres said there was also funding to establish the First Building in the Bradfield City Centre

and for a four-year pilot of the New Education and Training Model. “The government has committed $138.2M for the First Building which includes a $24.9m high-tech facility which will house $22.9M worth of shared-use equipment for research institutions and industry to collaborate,” Mr Ayres said. The funding commitment will deliver the first stage of Australia’s first 22nd century city, attracting global competitive advanced industries and driving the creation of 200,000 new jobs across the Western Parkland City.

Top: artist impression of Bradfield and above, Minister Stuart Ayres.

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Tourist icon, The Blue Mountains.

Blue Mountains to reboot tourism LUE Mountains Tourism (BMT) will create more than 1000 local jobs and re-introduce the destination to the world through a $2.609M bushfire recovery grant. The grant was announced on under round two of Bushfire Local Economic Recovery Funding. Jointly funded by the Federal and State governments, the program supports social and economic recovery in regional communities most affected by the 201920 bushfires. Blue Mountains Tourism, as the leading tourism authority in the region, will administer and manage the Blue Mountains Visitor Economy Revitalisation Project, a two-year destination management program that will reinstate the Blue Mountains as a key tourist destination in NSW and Australia. It will involve destination branding, marketing, website development, major events, industry communications and a business resilience program. BMT will deliver the project in partnership with Blue Mountains City Council, which will deliver the industry development and branding component. The Blue Mountains was one of the hardest hit regions in the 2019-20 Black Summer bushfires with a loss of 2500 jobs and $341M to the local economy, not including environmental and social impacts. The fires were followed by the Covid-19 pandemic which further decimated the tourism industry which, even now, is struggling to recover from a lack of consumer confidence, border closures and lockdowns. Blue Mountains Tourism president Jason Cronshaw said tourism, as the second largest employer in the region with more than 3000 jobs (16 per cent), was critical to the Mountains economy. ``This funding is recognition of the Blue Mountains’ key part in Australia’s tourism offering and that it needs help to get back on its feet.’’ The project was expected to create more than 1000 local jobs and bring more than 500,000 visitors back to the region. He thanked the State and Federal governments for ``providing this lifeline to the people of the Blue Mountains, given that so many rely on tourism and its supplier industries for their livelihoods’’. With the project set to deliver a new consumer brand for the Blue Mountains (lead by the council), the visitbluemountains.com.au website upgrade, a new CovidSafe destination event, as well as a

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Jason Cronshow.

24-month rolling marketing campaign, the Blue Mountains will be well placed to compete with other destinations nationally and internationally once borders re-open. To support the industry through the next 24 months, the grant will support an ongoing industry communications initiative and the council will roll out the Building Better Business Program for Tourism Operators. Blue Mountains Mayor Mark Greenhill said: “A strong Blue Mountains tourism sector is vital for our local economy and the last 18 months have been incredibly challenging for our tourism operators. “It’s the big attractions, but also the small businesses that dot our main streets, that desperately need visitors. “Council looks forward to partnering with Blue Mountains Tourism to roll out this destination management program as soon as possible, as it will retain and create new jobs in our city and build resilience.’’ WESTERN SYDNEY BUSINESS ACCESS JULY 2021


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Opportunity aplenty, says CEO Airport on track for 2026 completion  DALLAS SHERRINGHAM ESTERN Sydney Airport is well on track for completion in 2026, according to CEO Simon Hickey. Major earthworks are more than half done and the tender for the terminal build is expected to be awarded this year. Mr Hickey told a recent conference the new airport will open up big opportunities for Australia’s biggest city. “This is about developing a new future for people living in Western Sydney and Sydney and connecting us with a 24/7 airport to the world,” Mr Hickey told the recent FTA/APEX summit. Work on the airport started in 2018 after decades of postponements, studies, stopping and starting. The Airport is located 40km miles west of Sydney’s downtown and the present airport. However, an article in ‘Simple Flying’ web site said: “Critics of the new airport say the distance will make Western Sydney Airport a costly white elephant”. But Simon Hickey dismisses this. He said three million people lived in the local catchment area, giving the future airport the third biggest catchment area of any airport in Australia. “Western Sydney is home to one in 10 Australians. It is the third-largest economy after Sydney and Melbourne. It is one of Australia’s fastest-growing areas in terms of population and it will have the third-largest catchment of any Australian airport on day one of operation.” When Western Sydney Airport opens in 2026, it will be able to handle 10 million passengers annually. Simple Flying said the airport’s master plan revealed ‘Dubai style’ aspirations.

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Artist impressions of the new airport.

82 million passengers will pass through By the time the full build is completed, by 2060, up to 82 million passengers will be able to pass through the airport. By comparison, in 2019, Australia’s busiest airport, Sydney’s Kingsford Smith Airport, handled 44.4 million passengers. While convenient to Sydney’s downtown and eastern suburbs, Kingsford Smith Airport is curtailed by a curfew and a lack of space to expand. There will be no curfew at Western Syd-

WESTERN SYDNEY BUSINESS ACCESS JULY 2021

ney Airport. Plus, there is ample room for the airport to expand. Toss in those three million potential passengers living within one hour of the airport and Mr Hickey thinks Sydney’s new airport is set for success. “Great metropolises these days are built around airports. And that’s what we’re doing, becoming the lynchpin for growth here in Sydney, and Western Sydney in particular.” Another interesting question is, having built the airport, will the airlines come? The answer is ‘yes, kind of ’.

Mr Hickey is initially targeting cargo and leisure airlines. Western Sydney Airport has signed memorandums of understanding with 12 cargo operators, including FedEx, DHL and Qantas Freight. But MOUs are not firm commitments and Simple Flying said no passenger airline had confirmed it would use Western Sydney Airport. “Given completion is still five years away - and that’s a couple of lifetimes in airline terms - that’s not necessarily unexpected.” Qantas’ low-cost subsidiary Jetstar has previously expressed interest in Western Sydney Airport. Virgin Australia has also flagged the possibility of operating some flights from the new airport. But there is no word on whether Australia’s largest airline, Qantas, plans to shift any flights to Western Sydney Airport. However, Qantas CEO Alan Joyce has previously said the new airport was “an important part of Australia’s aviation future’’. Simple Flying said: “There is an assumption that airlines and their passengers prefer the ‘convenience’ of Sydney’s present airport and its proximity to the downtown area. The flaw in that assumption is that everyone landing at Kingsford Smith Airport is heading to Sydney’s downtown area or the harbor and beach suburbs.” However, Mr Hickey pointed out beyond that tight Sydney downtown centric geographic zone was an enormous, sprawling city that was home to the bulk of Sydney’s population and an economic powerhouse in its own right. He said Western Sydney Airport may suit them far more than Sydney’s present airport. Source: Simple Flying, Western Sydney Airport

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Regions - LIVERPOOL

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Council approves delivery plan and budget IVERPOOL City Council has approved its Delivery Program 20172022, Operational Plan 2021-2022, and Budget, including Revenue Pricing Policy, Fees and Charges at its June Council meeting (30 June 2021). Liverpool Mayor Wendy Waller said this year Council will continue to provide essential services such as domestic waste collection, library and community services and maintaining Liverpool’s many parks and playgrounds while also delivering a range of impressive new community initiatives and major capital works. “It is an exciting time for Liverpool as we undergo great transformation as one of the fastest growing local government areas in NSW experiencing vast growth in urban and release areas and redevelopment in established area. “Infrastructure is a key highlight within the plan with $256M allocated for new community infrastructure as well as for the renewal of assets such as roads, bridges, footpaths, parks, drainage to improve our city for the long-term,” Mayor Waller said. “Over $18M will be spent on pavement reconstruction and resurfacing covering over eight kilometres of local and regional roads as well as over three kilometres of rural roads. “Recreation and Open Space improvements of over $8M will see enhancements to parks including the progression of Light Horse Park to detailed designs and tender documentation, upgrades to 14 playgrounds and the installation of three new outdoor gyms”. “Council will oversee a budget of $475M in 2021-22 which includes $256M for capital works and $219M for operating expenditure,” said Mayor Waller. Key project highlights for Liverpool in 2021-2022 include:

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Liverpool Mayor, Wendy Waller.

• Liverpool Civic Place: The demolition phase of Liverpool Civic Place–the city’s biggest commercial redevelopment is complete, and the excavation phase has commenced. This exciting new complex will include a civic plaza, new Council offices, a childcare facility, city library and public parking; • Liverpool City Centre Urban

Forest Strategy: Council is progressing the first phase of the Liverpool City Centre Urban Forest Strategy, which includes the installation of more than 200 new trees within the Liverpool city centre. This project is co-funded by the NSW Department of Planning, Industry and Environment under the ‘5 Million Trees for Greater Sydney’

grant program and will increase the quantity of tree canopy and shade to assist with cooling the city centre; and • Resilient Sydney Program and the Western Sydney City Deal: This will present opportunities to collaborate with our surrounding councils and deliver coordinated projects that facilitate beneficial outcomes for the city.

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Regions–Penrith

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Plans for Emu Plains jobs hub  DALLAS SHERRINGHAM ENRITH City Council has bought 16ha of prime industrial land in Emu Plains which it plans to turn into a major jobs hub for the west. Council said in a release that the purchase of the industrial land at 158-164 Old Bathurst Rd, Emu Plains, would enhance local employment opportunities and stimulate the local economy. The site, previously home to concrete pipe supplier Rocla until 2020, is in a prime position to become a new industrial and employment hub set to unlock one of the biggest industrial land parcels in the suburb in more than 14 years. Penrith Mayor Karen McKeown said the purchase of the site aligned with Council’s strategic vision for Penrith to become a world-class city with employment opportunities close to home. “These will complement our other city transformation projects at Soper Place, 131 Henry Street, City Park and Regatta Park.” “As part of the revitalisation of our city, Council has purchased the site for a future industrial precinct to diversify our local job opportunities, attract investment to our city and locate businesses close to home,” Cr McKeown said. “We need to significantly increase our employment hubs in Penrith with our population set to grow by 60,000 in the next 10 years and over half of our working population already commuting outside the area each day for work. “Our proposed industrial precinct at Emu Plains will help us to achieve our employment targets by creating 300–350 new jobs once complete in essential industries such as advanced manufactur-

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Above: Nepean River and right Penrith Mayor, Karen McKeown.

ing, logistics, warehouse distribution and construction. “This new project will also inject $36.4M into our local economy each year, helping to support our recovery from COVID-19,” Cr McKeown added. Council will seek to subdivide the site to improve the limited supply of medium-sized industrial land in the Penrith Local Government Area. This will help to attract more than 40 businesses, large and small, to base their operations in Emu Plains and provide much-needed space for local businesses to start up or scale up.

This strategic site will leverage the close proximity to the Penrith CBD, Blue Mountains, the M4 Motorway, Emu Plains train station and the proposed adjacent State Government commuter car park. As an industrial site, 158-164 Old Bathurst Rd will help Council to diversify its portfolio of projects, to reduce reliance on rate income and allow Council to continue to provide high-quality services for the community now and into the future. Council has now finalised contracts with settlement due in 2023 and can now

start the planning phases of the project with a development application expected to be lodged in mid-2022. SOURCE: Penrith City Council

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Regions–Parramatta

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Cybersecurity centre for Parramatta HE Federal Government has announced $745,920 in funding for Western Sydney University to establish the Cybersecurity Aid Centre to train and support small business with Cyber Incident Response. Funded through the Cyber Security Business Connect and Protect Grants Program, the Centre will be located at Parramatta and led by Western Sydney University in partnership with four leading New South Wales cybersecurity businesses: Emergence, Gridware, DCEncompass and Secolve. The Training Centre will provide Cyber Incident Response support for small businesses experiencing data breach, ransomware or email business compromise, and will host training seminars around NSW. The project will enhance cybersecurity resources through the development of a Cyber Suite and Toolkit for Small Businesses — a hotline for assistance with cybersecurity incidents and will integrate applied support with learning and skills development for Western Sydney University students. Liberal Senator for Western Sydney, Senator Marise Payne, commended Western Sydney University on its collaborative approach to supporting businesses to recognise cyber risks and opportunities. “The ‘Cybersecurity Aid Centre’ will enhance business’ security and cyber capabilities which will help ensure Western Sydney’s strong economic prosperity and development continues as we come back from the COVID-19 pandemic,” Senator Payne said. “This latest investment is part of the Australian Government’s Cyber Security Strategy 2020 and complements our

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Senator Marise Payne with Prime Minister Scott Morrison.

$1.2B Digital Economy Strategy, which will be part of this year’s Federal Budget 2021-22.” Project lead Professor Alana Maurushat, from the University’s School of Social Sciences and School of Computer, Data and Mathematical Sciences, said the Centre will deliver new programs to upskill small and medium enterprises and students with the latest skills in the tech-

nology and psychology of cybercrime. “Tackling cybercrime is a high priority. Businesses need a resource centre that will help them when a cybersecurity crisis arises, as well as help to build resilience and awareness around cybercrime and the kinds of behaviours, technologies and change management practices they need to adopt to protect themselves,” Professor Maurushat said.

“The Centre will enhance cybersecurity knowledge and capacity across Western Sydney,and will provide a robust hub for industry and students to connect and learn from each other.” Cyber security expert and Secolve CEO Laith Shahin said the initiative was an example of industry successfully partnering with the education sector to support local businesses.

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Regions–Inner West

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Focus on stimulating the economy NNER West Council will build on last year’s infrastructure budget with a continued focus on stimulating the local economy, upgrading local infrastructure and greening the Inner West. Mayor Darcy Byrne said this year’s budget reflects the key priorities of Inner West. “This is another responsible budget. One that is literally all about roads, rates and rubbish. It’s a budget that reflects the times and gets the basics right,” said Mayor Byrne. “Last year was all about accelerating and fast-tracking projects such as installing new shade sails at Council’s aquatic centres, traffic calming works, new bike paths, increased tree planting, solar installations and water sensitive design works. “We did this in two ways – by pooling our developer contributions reserves and, for the first time, setting aside and ring-fencing funds purely for renewing Council assets at the appropriate time in their life-cycle. “I’m pleased to say that we are continuing that focus, as well as delivering projects such as new roads, footpath and stormwater works. “I am especially proud of the minimum $2M investment in tree plantings that will occur each year for the next term of Council. This follows on from our record breaking $5M investment in new tree plantings in 2020/21. This is far by the biggest investment in green infrastructure in the history of the Inner West,” Mayor Byrne said. Inner West will also be harmonising rates as required by the State Government. These changes will be phased in over an eight-year period. While Council is not increasing its overall rates income from rates, harmonisation has meant that some individual ratepayers’ rates may change over time.

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Above: tree planting ranks high on Council’s budget and right, Mayor Darcy Byrne.

“We opposed the State Government’s harmonisation process and won the ability for a phased approach,” Mayor Byrne said. Council will offset some of the effects of rates harmonisation by reducing the Domestic Waste Charge (DWC) to most residents. Key highlights from the budget include: • A minimum $2M investment in tree planting each year for the next term of Council. This follows on

from our record breaking $5M investment in new tree plantings in 2020/21. This is far by the biggest investment in green infrastructure in the history of the Inner West • Reducing Council’s infrastructure backlog by segregating funds to ensure footpaths, roads, stormwater and other key assets are renewed at the appropriate time in their life-cycle

• Town centre upgrades including Dulwich Hill Station and Marrickville Road (east) public domain masterplan implementation and Darling Street, Balmain streetscape renewal and upgrade ($7.5M). • Upgrading Leichhardt Park Aquatic Centre and Annette Kellerman Aquatic Centre ($4.7M). • Delivering Tempe Reserve upgrade. • Town hall and community centre upgrades ($6.8 million) including Marrickville, St Peters and Balmain town halls and Tom Foster Community Centre for relocation of Newtown Neighbourhood Centre. • Commencing construction of the GreenWay central links ($6.9M) and delivering the Urban Amenity Improvement Program Parramatta Road and surrounds ($7.5M). • Expanding solar and food organics recycling throughout the community.

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Regions–Sydney Hills

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Local Business Awards to go ahead  CHRIS JAMGOTCHIAN HIS year’s Sydney Hills Local Business Awards program will go ahead despite the current COVID-19 health crisis. Precedent Productions Managing Director Steve Loe, said the program would proceed on schedule, with an extended period for businesses to receive nominations. Nominations for the Sydney Hills Local Business Awards will now close on Wednesday 21st July. “I have no doubt everyone is experiencing the stress of uncertainty during this unprecedented and challenging time,” he said. “All of us at Precedent Productions extend our thoughts to those of you who are doing it tough”. “Now, more than ever, small businesses and their staff in the Northern Districts area need the support of their community,” he said. “These are extremely challenging times for every member of our community, and the number one priority for all of us is to listen to the regulations being put in place by government at all levels and heed the

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advice of our health professionals”. “We also need to support each other physically and emotionally in any way that we can, in particular keeping in touch with friends, neighbours and relatives (especially the elderly) via phone or email”.

“Business owners and workers everywhere are naturally concerned for their health as well as their livelihoods”. “But in more than 36 years of running the Local Business Awards I have come to learn that Australians are courageous, resil-

ient, resourceful and community spirited people”. “We can and we will get through this by sticking together.” Mr Loe said the Local Business Awards had always provided a morale boost to businesses and their staff by allowing the community to show their appreciation and support for their hard work and dedication. “There is still time to nominate and vote for your favourite local businesses in this year’s awards,” Mr Loe said. “I urge residents of the Sydney Hills community to show their support for the local businesses and their workers, who deserve a boost now more than ever.” “Finally, allow me to stress that by being positive and supporting each other as local businesses we can influence how we make it through this period. “Please make an effort to ‘Shop Local, Buy Local’ wherever you possibly can, and ensure a local business benefits from your trade.” For more information about the Local Business Awards program, call Precedent Productions on 8363 3333. Chris Jamgotchian is Project Manager at Precedent Productions. Visit www.precedent.net

Scenes from a previous Hills Local Business Awards.

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WESTERN SYDNEY BUSINESS ACCESS JULY 2021


PROPERTY SHOWCASE WESTERN SYDNEY

Published in Western Sydney Business Access | Parramatta Times | Blacktown News | www.westernpropertyguide.com.au

WHO WANTS TO BE A MILLIONAIRE?

Property prices still skyrocketing  DALLAS SHERRINGHAM T’S a case of Who Wants to Be a Millionaire’ in July with Sydney prices continuing to skyrocket in the unprecedented property boom gripping the city. Old houses that were bought for a few thousand dollars last century in a prime location are now bringing up to $5m in parts of the Inner city. The Sydney median price reached $1.3M recently, increasing 8.5% in the quarter which is the highest level since records were first taken in the 1990s. A derelict five-metre-wide house with a hole in the ceiling has sold for a whopping $4.62M, becoming one of the most expensive homes for its size ever sold in Sydney. Massive quarterly gains in the eastern suburbs, Northern Beaches, Baulkham Hills and the Hawkesbury are behind the quarterly median price rise of more than $100,000. The decrepit inner-city terrace sold for an unbelievable $4.6m, surpassing its reserve by more than $500,000. More than 100 people turned up to watch the uninhabitable house at 112 Surrey St, Darlinghurst go under the hammer. The five-to-six-bedroom property spans four levels with water damage throughout, rotting floorboards, a fallen-in ceiling and a collapsed balcony. But that did not stop 16 buyers registering to bid on the property, which was considered a bargain and could fetch $8m when renovated. Over the year, Sydney house prices have jumped by 12.6%. Domain’s Senior Research Analyst Nicola Powell said in an interview it had been a “rapid acceleration” in prices. “It’s the fastest acceleration of house prices over a single quarter since our Domain records began in 1993,” she said. “We’ve got double digit annual gains and that’s the steepest rise since mid-2017. “Previously we’d seen very much the low end of the market supporting price growth ... now we’re starting to see the upper end of the market is leading.” Dr Powell speaking to the ABC said no area of Sydney escaped the pricing boom and every region had hit record highs.

Over the year, Sydney house prices have jumped by 12.6%.

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It’s a two-edge sword The median house price of more than $1.3M is backed up by SQM research. SQM research managing director Louis Christopher said it had been an “extraordinarily” strong quarter. “It was driven by a multitude of factors, particularly government stimulus,” he said. “From the outset of this current recovery and effectively, current housing boom, there’s been great demand for freestanding houses. “People have been looking for larger properties because they’ve been working from home, and that trend is still with us.” And the West and Hills district are benefitting greatly because of the stock of

free-standing homes on larger blocks. Unit buyers aren’t much better off because the median price of a unit in the Sydney region has just topped $1m. It came on the back of incredible growth earlier this year, which has meant a typical Sydney house is now about $117,000 pricier than it was at the end of February. Close to $40,000 of that increase was from May growth alone. Sydney’s price rise was 66% higher than in Melbourne and about 36% higher than the national average. There may be a two-edged sword for struggling homebuyers. On the one hand, prices will slow down because of auctions

cancelled in the lockdown, but this could be accompanied by a predicted increase in interest rates. They can also look forward to housing supply beginning to increase in many suburbs in the west and a further increase would take pressure off of buyers to bid up prices. A shortage of listings has been one of the biggest drivers of the recent price boom, according to experts. South Strathfield is particularly popular with buyers because of the quality homes available in this once showpiece area of early 20th century Sydney. The average price is now $1.8m, which is $500,000 more than the city median.

APRIL 2021 Edition 120

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LO OUR CA CI L PA TY PE ’S R

HOW TO WIN THE WEST

ParramattA Voice of Australia’s most progressive city

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ISSUE 9 | April 2021

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Minister pushing for more women on Parramatta Council: 3

%ඔඉඋඓග඗ඟ1 Issue 1 | April 2021

Blacktown's LOCAL media voice

EXCLUSIVE: Bob Turner on his new role at Blacktown FC.

BEST GIFT SINCE THE OPERA HOUSE POWERHOUSE Parramatta CEO Lisa Havilah is more interested in the flood of excitement over the controversial $920M project than any flood-waters that may lap at its riverside approach. After the recent devastating rains that saw Parramatta River break its banks between the ferry wharf and the site of the museum, Ms Havilah is adamant that the building and its exhibits will not be affected.

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New suburb named BradÀeld

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Family business in COVID

How many leveraged patience capital during COVID: 12

TALE OF TWO POOLS

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Фf^ÌÓ杓âîî±Ëæ®†þ’ÌîÓ󩮝æîÓÌ EÓÿâî†±Åâ殆þâþ†Å™æÓÅóî±ÓÌæ†Ì™ ❓Ó♨ÓâwæîâÌ^ą™ÌąФæУ’â±“Âæ†Ì™ËÓâî†âФ æóßßÓâæóâæ̝™™¨Óâ±Ì™óæîâą’Óó̓ âî†±Å±Ì™óæîâąϻ’óîî®±æ杓îÓ⮆æ†ßâÓó™ ’†“Âî®±æą†â†Ì™’ąÓ̙Ϻ ®±æîÓâąÓ¨’Óó̓±Ì©’†“¨âÓË®†â™æîÓ¨î±ËæϺ FULL STORY PAGE 5

How hope really works

Feature on the Salvation Army Red Shield Appeal: 15

SALOVS: How hope really happens: 19

FTER a few hot summers for swimmers who loved Parramatta and wÌîÿÓâî®þ±ÅŝßÓÓÅæ†Ì™æóđâ™ during their closures, relief is on the way. Just a day apart, the refurbished Wentworthville pool opened and Ĝâæîæәÿ†æîóâ̝™ÓÌ spectacular Parramatta Aquatic Centre. Both communities have been without a pool since 2017, the Parramatta Memorial Pool demolished to make way for Bankwest Stadium and the previous Holroyd Council wanting to close the tired Wenty pool

rather than refurbish it. After a bit of †æ“óĖ’îÿÌW†ââ†Ë†îî†Óó̓±Å and the NSW Government on who would pay for its replacement, an agreement was reached on funding for the state-of-the-art aquatic centre. And in Wentworthville, a concerted community campaign and the Cumberland Council, saved the beloved pool with an upgrade. While Parramatta residents wait two years for their pool, they are welcome to dive to Wenty.

FULL STORY PAGE 6

Young people turning their lives around at BYSA.

Youth Needs Our Support

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VITAL youth service in Blacktown is set to close after missing out on important State Government funding. The Blacktown Youth Support Association’s Youth HQ program helps young people at risk - those who have

been in trouble with the law or those who may be headed that way. But the service was told at the end of last year by the Department of Communities and Justice that they had missed out on funding, in favour of more “targeted” youth

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ELCOME to Blacktown's NEW LOCAL media voice, The Blacktown News (BN). The Blacktown News is the much-anticipated new newspaper and digital media brand that covers Blacktown LGA with local news written by experienced journalists. The Blacktown News is Blacktown's ONLY printed newspaper and is independently owned and managed locally by a management team that has been working in Blacktown for almost 20 years.

The News will be distributed across 110 strategic distribution points in the LGA. Published in digital and print editions the Blacktown News ođers maximum impact for targeted advertising opportunities and reach to Blacktown's diverse population. With a mission of championing community and business issues, the BN is a proud media partner of the Greater Blacktown Chamber of Commerce, the Blacktown Local Business Awards and Blacktown FC.

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News N ews

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Family Business Welcome Legacy pension changes welcome but the devil, as always, is in the DETAIL Welcome to KPMG Family Business feature articles. If you would like to discuss these articles or how KPMG can help with your business please feel free to contact me on 8865 6117 or pwakim@kpmg.com.au

 JULIE DOLAN LONG-awaited and welcome change to so-called ‘legacy pensions’ was proposed in the recent Federal Budget. This will benefit some older Australians who have been trapped in certain retirement income streams which started before September 2007. People in these schemes – it is not clear quite how many there are – have been unable to exit plans which may no longer have been suitable for them and which have often incurred growing fees. In the late 1990s and early 2000s pensions arrangements for self-funded retirees offered attractive tax advantages but in return for the concessions, there were strict criteria which meant exiting the plans was very difficult. After 2007, tax advantages were eased and these products fell out of favour, but for those locked in there was no way out. Until now. It is proposed that the government will allow recipients to exit a range of legacy retirement income streams (inclusive of associated reserves) over a two-year period. Recipients will have an option to fully commute and start an account-based pension (subject to personal transfer balance caps), leave in accumulation or cash out of the fund. Of course, however promising proposals are in theory, the devil is always in the detail. So, let’s examine some of these details. The measure only includes specific retirement income streams that were commenced prior to 20th September 2007. It is to include market-linked, life-expectancy and lifetime products, but not flexi-pension products or a lifetime product in a large APRA-regulated or public sector defined benefit scheme. These types of retirement income streams were initially established for a variety of reasons, predominantly Reasonable Benefits Limit compression and social security treatment. The new measure will not grandfather the social security treatment. On commutation, the normal social security rules will then apply, but there will be a concession to make sure that a reassessment does not occur to prior years.

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In relation to the commuted reserves, it is proposed that these reserves will be taxed as an assessable contribution. Reserves are made up initially of capital and earnings on that capital. The source of this capital would have been taxed accordingly and the earnings taxed at 15% during the life of the reserves. I believe that taxing the capital plus post-tax earnings again at 15% needs further thought. The date of prior to 20th September 2007 has initially raised concerns in the industry. Many examples have been raised which the proposed measures do not seem to cater for. This is where the detail in the legislation will be essential. There are so many variants on these types of pensions, especially when you

factor in death of the primary recipient, reversionary status, type of pension, treatment of reserves and what makes up the reserve. The list goes on. On a promising note, Treasury has confirmed that the Budget proposal will apply to the specified range of legacy pensions that commenced prior to 20 September 2007, even if the pension had subsequently restructured to a different type i.e. market linked pension. Further clarification is still required on the many other variants that can occur. As mentioned, flexi pensions are also explicitly excluded. On one side this is reasonable as these types of pensions have always been commutable. However, the commutation value is usually less than

the capital value which results in reserves remaining. The proposed measure does not seem to cater for this situation. This measure is due to commence on the 1 July after the legislation receives Royal Assent. Practically, one would assume that the start date will be 1 July 2022 with the two-year transition period starting then. Overall, the Budget measures on legacy pensions were a good step forward. We must hope the remaining issues highlighted here could still be addressed before implementation. First published on KPMG Newsroom by Julie Dolan, Partner and Head of SMSFs and Estate Planning, Enterprise, KPMG Australia on 6 June 2021.

WESTERN SYDNEY BUSINESS ACCESS JULY 2021


Family Business

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Intergenerational report highlights key CHALLENGES for the future  GRANT WARDELL-JOHNSON ANDY HUTT HE Federal Government has released its 2021 Intergenerational Report (IGR), which examines the outlook for the Australian economy and the Government budget over the next 40 years. It presents a picture of a nation in 2061 where the population is nearly 39 million, and real gross national income (GNI) per person has grown annually by 1.3 percent on average since 2021. So a more populous and seemingly more prosperous Australia – but what are the key assumptions underpinning these forecasts? The IGR highlights the importance for Australia’s future of skilled migration, broad engagement in the workforce and innovation for Australia’s economic future. It sums these up as the “3 Ps – population, participation and productivity”. A revealing element of the IGR is the trend in the ratio of the population aged 15-64 to the population aged 65 and over. In 2010-11 this was around 5:1, yet in just the 10 years to 2020-21 it has decreased to less than 4:1. The IGR forecasts that by 2060-61 the ratio will fall to just 2.7:1. This steady decline means that progressively fewer people of working age are likely to be contributing to the tax revenues that can support government services for each elderly person. The IGR’s future population expectations include net overseas migration of on average 235,000 people (about 0.9 percent of the current population size) per year from 2024-25. As Australia’s immigration rules generally favour the acceptance of younger, well-educated persons, one can speculate what the future dependency ratio might

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look like if net immigration was lower than forecast, for any reason. Treasury modelling indicates that the average lifetime fiscal impact of a permanent migrant who is the holder of a primary visa granted under the Skilled stream is overwhelmingly positive, whereas the average for the general population is negative.

40 years and Treasury expects this decline to continue. The largest contribution to the increased participation rate has come from greater female participation in the workforce. The IGR notes that historically high levels of female participation would need to be sustained over future years to offset the impact of the ageing of the general population.

On average, these migrants contribute relatively more in income taxes and indirect taxes, and on average they receive relatively less in health care, aged care and transfer payments. Therefore, attracting skilled migrants remains a critical long-term contributor to the improvement of living standards across the general population.

However, Treasury anticipates the female participation rate dropping slightly between now and 2060-61 and continuing to lag male participation by 8 percentage points or more. This begs the question as to what more can be done from a policy standpoint to instead increase female participation over the next 40 years. KPMG has consistently advocated for reform of the childcare subsidy (CCS) and the paid parental leave scheme as means to support female workforce participation. The Government’s announcements in the 2021-22 Budget represent a welcome step forward in terms of the CCS and we

Average hours declined On participation, the IGR notes that in March 2021 the participation rate was at 66.3 percent, the highest level on record. However, average hours worked have declined by nearly 10 percent over the last

look forward to the development of further policies to address this challenge. Productivity is perhaps the greatest of all the issues highlighted in the IGR. The IGR assumes that over the next ten years the long-run labour productivity growth rate will return to 1.5 percent per year (the 30-year historical average to 2018-19) even though it averaged only 1.2 percent over the seven years to 2018. The sensitivity of this assumption for the IGR’s forecasts is significant. Treasury estimates that by 2060-61 GDP would be around 9.5 percent lower if labour productivity growth only remained at 1.2 percent, and that the budget’s underlying cash balance would be lower by a further 2.2 percent of GDP. The IGR notes that improvements in education to meet the demands of employers will be critical. It also highlights the acceleration of the adoption of digital technology, bankruptcy reform, the implementation of national licensing and qualification regimes, research and development tax incentives and transport infrastructure investment as government initiatives that will contribute to addressing the productivity challenge. However, Australia will be competing with other countries to attract increasingly mobile capital to take advantage of these enhancements and so it will need to not just improve but improve by more than its counterparts do. The IGR therefore lays down a challenge for all stakeholder groups and individuals in our society to work together to address the “3 Ps” in a constructive and sustainable way. First published on KPMG Tax Now and KPMG Newsroom by Grant Wardell-Johnson Lead Tax Partner, KPMG Economics & Tax Centre, KPMG Australia and Andy Hutt, Director, Australian Tax Centre, KPMG Australia on 29 June 2021.

Dr Brendan Rynne, KPMG Chief Economist, comments on July’s RBA announcement HE RBA Board has announced it will continue with highly accommodative monetary policy settings in the near term, albeit with a couple of the monetary policy levers notched back a step, in line with a strengthening domestic economy. The cash rate, as expected, has been maintained at 0.1 percent, and the main announcements are that the Quantitative Easing (QE) bond buying program will be tapered to a daily run rate of $4bn at the end of the current $100bn tranche (which is due to finish in October 2021) and that yield targeting has not been extended beyond April 2024. Overall these changes are less dramatic than many financial market economists had anticipated, suggesting the RBA remains cautious regarding the sustain-

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ability of employment growth and higher inflation. In the October 2020 meeting the RBA Board noted that it wanted to place more weight on ‘actual, not forecast, inflation in its decision-making’, while it also indicated it was less worried about maintaining loose policy settings for too long and overshooting the inflation target and more concerned about tightening rates too early and not achieving the inflation target for a sustained period. All of this suggests the RBA is going to be in the game of bond buying and QE for some time to come, even though its holding of Australian government securities has already increased by more than $150B since the end of March 2020. While this seems like an enormous increase – which it is by our own histori-

WESTERN SYDNEY BUSINESS ACCESS JULY 2021

cal standards – it pales into insignificance when compared to the US QE program. The US Federal Reserve Bank is currently spending US$120bn (AUD160bn) per month in its QE program, which has seen its balance sheet expand from $4.3 trillion to $8.1 trillion between the beginning of March 2020 and the end of June 2021. The Federal Reserve Balance Sheet is now sized at about 42 percent of US GDP, whereas the RBA’s Balance Sheet is only about 26 percent of Australia’s GDP. So in comparative terms we still have some headroom in unconventional monetary policy, suggesting the continuation of our QE even at a tapered rate of AUD$4bn a week is more than reasonable. The bigger questions in all of this are: when will the monetary expansion stop; when will the pull back in money supply

start and what will it look like. The monetary taper in the US began about three years after its last QE instalment, with the taper resulting in the Federal Reserve Balance Sheet contracting by $750B between August 2017 and August 2019 (or about 20 percent of the balance sheet expansion that occurred responding to the GFC). If the Fed provides a guide to the RBA then we can expect not only monetary settings to stay loose for some time, but also the level of cash to also stay elevated for the near future – which itself will also help maintain downward pressure on interest rates for a protracted period. First published on KPMG Newsroom by Dr Brendan Rynne, Chief Economist, KPMG Australia on 6 July 2021.

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Cattle dogs stop traffic on the Savannah Way.

Sections of single lane ‘ribbon road’ feature on parts of the Savannah Way.

Cairns to Karumba on the Savannah Way  STORY AND IMAGES BY JOHN MADDOCKS HEe cow stares at me and I stare back. Finally this huge, prime example of a Brahman cow decides to move, and I’m grateful. Grateful that it’s going to amble off the road and grateful that I didn’t hit its bovine bulk at 100 kilometres an hour. On this remote far north Queensland road the results could have been catastrophic. Fortunately I’ve been warned, as graphic road signs alert me to the dangers of cars meeting cows head-on. On this part of the Savannah Way between Cairns and the Gulf of Carpentaria town of Karumba, the main dangers are cattle, kangaroos and 50-metre long road trains. Travelling on the Savannah Way has always been an ambition of mine, so I’m excited by the prospect of adventure long before my cow confrontation. The fun begins as my snappy, agile Hyundai SUV climbs the steep Gillies Range south of Cairns, which is renowned for its 263 sharp bends in only 19 kilometres of road. Soon I’m traversing the magnificent Atherton Tablelands, where I stop at a quaint teahouse beside gorgeous Lake Barrine. Lake Barrine is part of the Crater Lakes National Park and I stretch my legs on the 6-kilometre track that winds among magnificent giant kauri and red cedar trees. I overnight in a luxurious pole cabin set on the side of a volcanic crater at Mt Quincan Crater Retreat near Yungaburra, 70 kilometres from Cairns. As I sit in the spa absorbing fantastic views of the surrounding plains and the peacefulness of the setting, the only sounds are the breeze moving through the milky pines and the distant lowing of cattle in the fields below. Next morning at nearby Herberton Historic Village I wander through an amazing collection of over 50 period buildings housing antiques and memorabilia of pioneering life in the late 19th and early 20th centuries. The detailed presentation of everything from farm machinery, printing equipment and vehicles to toys, radios and frocks is quite outstanding. My favourite exhibit is the 1926 Citroen rail ambulance, which is still in working order. From Herberton I travel through the attractive town of Ravenshoe towards Undara. On the way I call in at the Innot Hot Springs, whose healing waters reach 78 degrees Celsius. Bottled mineral water from these natural springs was exported to Europe until the early 20th century. The outback is like a treasure hunt: you travel for hundreds of kilometres through empty, expansive countryside and suddenly come upon a unique and fascinating attraction. The Undara Experience is a good example. One hundred and ninety thousand years ago a massive volcanic explosion caused lava to spread over 160 kilometres in one direction and more than 90 kilometres in another, creating one of the planet’s longest lava flows. As the lava flowed down riverbeds, the outer layer cooled to form a crust while the hot lava beneath flowed on, forming enormous tubes, or tunnels. When the thin crust collapsed in places over the years, massive caves were revealed beneath.

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The magnificent interiors of the Undara tubes form part of massive volcanic remains from an explosion 190,000 years ago

Truly memorable experience Visiting these impressive tubes is truly memorable. The vast ceilings of blue, white, brown and orange are reflected in the crystal clear water at the base of the tubes, where the roots of giant fig trees penetrate for many metres. In one spot an incredible arch towers overhead. On Undara’s Wildlife at Sunset tour some of the area’s residents appear, including a variety of kangaroos and wallabies. The most attractive are the aptly named pretty faced wallabies, which have distinctive white markings along their jaw lines. After viewing a spectacular sunset from a rocky knoll, we visit Barker’s Cave to see some of an estimated 250,000 tiny ‘micro bats’ that inhabit this tube.

The towering edifices of Cobbold Gorge create a cool, tranquil outback retreat.

what is known locally as ‘ribbon road’. This is single lane sealed road with wide dirt verges, so I have to move onto the unsealed section when another vehicle approaches. This is rather daunting when the other vehicle is a road train that throws up a dust storm as I pass. This section of the outback is very different from other remote areas of Australia. Unlike the red dirt of the Territory or the sandy deserts of Western Australia, the Savannah region is softened by grasslands stretching to the horizon in every direction. After some challenging driving I arrive at Croydon, where I check into the rambling Croydon Club Hotel, the last of 36 hotels that flourished during a gold rush at the end of the 19th century.

Normanton’s legendary Purple Pub is always busy.

Our guide goes down to the cave ahead of us to check that there are no brown tree snakes hanging from nearby branches. These snakes position themselves at the tube’s entrance and lash out at lightning speed to catch the tiny bats as they fly out. After spending the night in a restored turn of the century railway carriage, I enjoy an outdoor bush breakfast. Cheeky kookaburras watch the tourists eating and occasionally dive down to try and steal food. An hour or so later I reach Mt Surprise, a favourite venue for gem fossickers. Topaz, quartz, spinel, garnet, cairngorm and aquamarine can all be found here. Another 90-kilometres on I arrive at Georgetown (population 250), home of the award-winning Terrestrial Centre, which contains over 4,500 mineral specimens in a myriad of arresting colours and shapes. The standouts are agates, which are formed by bubbles in lava filling with minerals, and those on display here are the most striking in the world. On the way to Georgetown and beyond I find myself travelling from time to time on

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Croydon is best known as a terminal for the 120-year-old Gulflander Railway, which travels between here and the river port of Normanton, 150 kilometres to the east. Originally built to transport gold, the railway is sometimes described as going from ‘nowhere to nowhere’ because it has never been connected to the Queensland rail network. Today the railway’s apparent pointlessness seems to add to its charm as a tourist attraction.

Largest crocodile ever shot The Gulflander railway station at Normanton is noteworthy for its Victorian architecture. Normanton also has a number of other eye-catching colonial buildings as well as the bizarre ‘purple pub’ on the main street. A replica of Krys, the largest crocodile ever shot, is not to be missed. Krys is in the Guinness Book of Records as being 8.63 metres long and having an estimated weight of 1.8 tonnes. At last I arrive in Karumba for my first visit to the Gulf of Carpentaria. Karumba is

a barramundi fisher’s paradise and the boat landings are always busy. It is also the base for a large prawning fleet, which is preparing to head out to sea during my stay. In the evening the Ferryman sunset cruise gets off to a dramatic start when our guide Allison places some baitfish on a platform at the front of the boat. Allison has done this to attract black kites, which dive to seize the fish in a spectacular display. As we cruise the shoreline we see white-bellied sea eagles, Brahminy kites, striated herons and jabirus. Several large saltwater crocodiles laze beside the mangroves. It is the legendary Gulf sunset, however, that steals the show. Next morning I’m up early for a fishing trip on a charter boat. My fears of being revealed as a novice are quickly allayed when I find that others on the trip are equally unskilled. Our clumsy efforts turn out to be a lot of fun and I even manage to catch 5 fish. I spend the evening celebrating at the relaxed Sunset Tavern. On the return journey to Cairns I check out Cobbold Gorge, located on the huge Robin Hood cattle station, which is 90 kilometres from Georgetown on a largely unsealed road. A tour of the gorge covers geological, botanical and historical points of interest. On the surrounding escarpment we are shown some fascinating plants, including a black tree orchid and the deadly gidee gidee, which was used by Aborigines to stun fish and catch them. We also see hundreds of common crow butterflies, which avoid predators by producing poisonous compounds to make themselves unpalatable. Later we board small, quiet electrically powered boats to enjoy the beauty and tranquillity of this steep, narrow gorge. Several freshwater crocodiles bask on rocks, numerous fish species swim in the water and we see kingfishers and bush stone curlews. When I resume my drive back to Cairns I encounter relatively few vehicles. Compared to tourist routes leading to Kakadu, the Kimberley and Uluru, this part of the Savannah Way in Far North Queensland is the road less travelled. But in terms of scenery, natural wonders and attractions, it should definitely be added to the outback ‘must do’ list. For more information visit www.queenslandholidays.com.au www.drivenorthqueensland.com.au www.savannahway.com.au

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Fitness

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My top 10 tips for Fat Loss  ADAM SIMPSON OU may or may not have heard this before, but when it comes to losing body fat. You need to be in a calorie deficit. Essentially, what this means is that you need to be burning off more calories per day than what you consume in your food. This leaves you with a few options, you can either eat less calories per day, burn more calories per day through exercise or for best results you could combine the two. I am a big advocate of improving your daily habits so that you can live a healthier lifestyle autonomously. Below are my top 10 Habits that you can try and adopt which will help you lose body fat, but allow you to keep it off once and for all. 1. Exercise more days than you don’t – This one is super obvious, the more you exercise the more calories you will burn each day which will aid in your fat loss. For best results, combine some strength training with some cardiovascular training. But above all, find exercise that you enjoy so you can stick to it long term. 2. Eat more protein – Foods that are high in protein will help keep you feeling fuller for longer, this should make it easier for you to eat fewer total calories for the day. The extra protein will also help you grow some lean muscle mass. Which will only speed up your metabolism and get you burning more calories each day without any extra effort. 3. Drink Less Calories – It can be really easy to drink too many calories quickly. Try to limit your alcohol intake, the amount of sugary drinks you consume and focus on drinking

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Adam Simpson.

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more water. Water has 0 calories, so it is a great way to reduce the total amount you consume for the day. 4. Eat More Fruit and Vegetables – Fruit and Vegetables are not only jam packed with nutrients they are also pretty low in calorie density. Meaning you can eat a whole lot of these without really adding too many extra calories to your intake. If you are still hungry after dinner, fill up on a big plate of greens. Or if you have a sweet tooth, choose berries and a bowl of fruit as a dessert option. 5. Choose Lower Calorie Food Swaps – Calories are king when it comes to fat loss. When you are shopping,

look at the nutrition label on the back of the items you are purchasing and see where you can find lower calorie options. A quick google search will give you endless food swap ideas. EG: Fresh fruit over dried, Greek Yoghurt over Sour Cream, Pistachio’s over Walnuts, Olive oil spray over a tablespoon of oil. 6. Reduce your portion sizes – Sometimes it can be easy to just mindlessly eat, even when you are no longer hungry. A simple trick to reduce your portion sizes can be to just use a smaller plate. 7. Watch Less TV – Sitting and watching Tv burns almost no calories. If

you are someone who can watch TV for hours on end, it is going to make your fat loss that little bit harder. Instead limit your TV time and try find other hobbies that you enjoy where you are more active. 8. 10,000 Steps a day – Using technology to track how much you are moving each day is a great way to monitor your movement. Setting a step goal for the day is a great way to ensure you are being active enough. 9. Choose the Stairs – Little things like choosing the stairs over the elevator or parking further away at the shops will mean that you are going to be burning more throughout the day. It may not seem like much, but little decisions we make on a daily basis can add up to a big result at the end of the year. 10. Take Phone calls while you walk – If you have a job where you are at a desk all day, it can be very easy to hardly get off your chair. If you can take phone calls while you walk you can drastically increase how much movement you get in each day. Pacing the hall while you take a 15minute phone call could almost add up to a kilometre walk. When it comes to fat loss, keep things simple so you can stick to the plan. Choose 2-3 of these habits that you can adopt and stick to them for a couple of months. If you are consistent the result will come. Once you have these habits formed, you can adopt another one until you have the results you are after. Adam Simpson is lead trainer and founder at Repetitions Group fitness and Personal Training. Visit: Gwww.repetitionspt.com.au

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Auto

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Priced from $76,990 + ORCs, Volvo is EV-ready with XC40 Recharge Pure Electric

 CALLUM HUNTER OLVO Car Australia has confirmed local pricing and specifications of its first electric vehicle, the XC40 Recharge Pure Electric, revealing the compact family hauler will cost from $76,990 plus on-roads when it arrives here in August. This pitches it head-to-head with the similar-sized Mercedes-Benz EQA 250 that will cost $190 less for more battery range but less performance. A Tesla Model 3 starts from $66,625 before on-road costs for the Standard Range Plus model providing comparable performance to the XC40 but slightly more range. Like the plug-in hybrid version that came before it, the Pure Electric will be sold here in a single, highly specified trim level, cresting the XC40 range in terms of price, equipment, power and performance. Brandishing all the familiar XC40 styling elements plus a unique enclosed front grille, the Pure Electric’s party piece is the dual motor set-up – one on each axle – that develops 300kW of power and 660Nm of torque. Fed by a 78kWh lithium-ion battery pack, Volvo says its inaugural EV will spring from 0-100km/h in a hot hatch-poaching 4.9 seconds and cover up to 418km on a single charge.

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In terms of sheer firepower, the XC40 Recharge Pure Electric punches well above its class and price bracket, well and truly taking the fight to much more expensive offerings like the Jaguar I-Pace (294kW/696Nm), Audi E-Tron 55 (300kW/664Nm), Mercedes-Benz EQC (300kW/760Nm) and even the Tesla Model X Long Range (311kW/660Nm) for half the price. The flipside however is range; of all the premium offerings outlined above, the Volvo only betters the Mercedes (353km) and just matches the Audi (“in excess of 400km”).

Google Android Infotainment operating system Pricing of the green Swede positions it between these larger luxury models and mainstream electric SUVs sold in Australia – such as the Hyundai Kona Electric and Kia Niro Electric – with the extra dollars buying both better performance and premium brand perks. However, both mainstream offerings mentioned beat the Volvo on range, the Kona by more than 60km. The more conceptually similar Mercedes EQA 250 also claims to trump the Volvo on range with up to 480km on a single charge, though its 140kW/375Nm outputs are slightly down on the more affordable Hyundai and Kia (a more expensive EQA 350 4Matic will up the ante to 215kW/520Nm).

Volvo says the XC40’s battery can be charged from 0-80 per cent in 40 minutes when using a DC fast charger. Unlike other EVs, the Pure Electric has not been fitted with a distinct start/ stop button – drivers and occupants simply unlock the car, get in, fasten their seatbelts and pull away. Minimalist in design but not in nature, the XC40 Recharge Pure Electric will come loaded with gear when it arrives in local showrooms with the whole package rolling on unique 20-inch alloy wheels Standard equipment highlights include a Harman/Kardon premium sound system accessed via a 9.0-inch Google Android infotainment and operating system with DAB digital radio, wireless smartphone integration and mirroring, speech recognition, inductive phone charging, 360-degree camera, keyless entry and hands-free tailgate, electronic folding exterior mirrors, auto-dimming mirrors, LED headlights, dual-zone climate control, leather accented seats with heating function and power folding rear headrests. Safety features are headlined by Volvo’s City Safety autonomous emergency braking system, front and rear collision warning and mitigation, camera-based front and rear park assist, blind spot information system with cross traffic alert, adaptive cruise control, pilot assist, lane keeping aid, hill start assist and hill descent control as well as parking sensors front and rear.

“The XC40 Recharge Pure Electric is Volvo's first all-electric vehicle and reinforces the Swedish company's commitment to electrifying its entire car range by 2025, with full electric or plug-in hybrid variants,” the brand said in a statement. “The Volvo XC40 Recharge Pure Electric is the first vehicle in Australia to come with a fully integrated Google Android Infotainment operating system, with Google Assistant, Google Maps and Google Play Store built in.” Like every other Volvo currently offered here, the XC40 Recharge Pure Electric will be covered by a five-year/unlimited kilometre warranty, three-year 100,000km service wear and tear plan which (wiper blades, brake pads and rotors), eight-year roadside assistance plan and an eight-year battery warranty. The Swedish-founded, Chinese-owned brand has sold 1881 XC40s in Australia to the end of May this year, enough to make it one of the dominant forces within the $40,000-plus compact SUV segment with its 19.2 per cent share being second only to the Audi Q3 (2616/26.8 per cent).

2021 Volvo XC40 pricing* T4 Momentum (a) T4 Inscription (a) T5 R-Design (a) Recharge Plug-In (a) Recharge Pure Electric (a)

$46,990 $51,990 $56,990 $64,990 $76,990

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Legal

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Partnering up in life and business  LEGAL WITH KATHERINE HAWES BUSINESS partnership is like a personal partnership as both need clearly communicated understandings. Often people in business have both these types of relationships happening simultaneously.

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Personal Partnerships In a personal partnership, if something happens to one of the personal partners or there is a dispute between those partners, most people understand the avenues that exist to resolve these situations. Where something happens to a personal partner the Estate Plan will spell out what is to happen at death or incapacitation. That is why we have not only the Will but an Enduring Power of Attorney that directs financial management responsibility and an Enduring Guardianship that is a form of living will, to signal your wishes if you become incapacitated. In the case of a personal partnership dispute the result may be separation and divorce, with a property settlement and parenting plan (if there are children).

Business Partnerships Often couples fail to plan for the “what happens if” the personal partnership dispute interferes with the business partnership. A partnership agreement is the best way to assure that the business—and personal—part of the relationship can survive both long-term and well. A partnership agreement is essentially a contract between partners, in a partnership, which sets out the terms and conditions of the relationship between the partners, including:

Partnerships take many forms.

• Percentages of ownership and distribution of profits and losses. • Description of management powers and duties of each partner. • Term (length) of the partnership. • How the partnership can be terminated. • How a partner can buy his/her share of the partnership. A partnership agreement should be prepared when you start a partnership. A solicitor would typically assist you with the

partnership agreement, to make sure you include all-important “what if” questions and avoid problems when the partnership ends. In addition, when a business partnership is in play it is also wise to ensure you have a Corporate Power of Attorney who can represent your financial and decision-making interests in the case of incapacitation. Katherine Hawes is principal solicitor at Digital Age Lawyers. Visit www.digiatlagelawyers.com

Often couples fail to plan for the “what happens if” the personal partnership dispute interferes with the business partnership.” – Katherine Hawes.

SERVICES: • COMMERCIAL LAW • DIGITAL & SOCIAL MEDIA LAW • ASSET & PROPERTY MANAGEMENT • ESTATE PLANNING • FAMILY LAW • LITIGATION SPECIALIST • SOLICITOR ADVOCATE

SPECIAL: Legal Strategy Session for $275 + GST

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Films

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In The Heights – 5 Stars AN effervescent, bubbly and beautiful musical extravaganza. snavi (Anthony Ramos) is a local bodega owner in Washington Heights – a man who saves every penny as he hopes for a better life back in the Dominican Republic. He is ecstatic about the fact that he has enough to buy back his father’s old bar in that part of the world, a place that holds nothing but good memories for him. Yet his excitement is tempered somewhat as he begins to realise what he’ll leave behind–a home, filled with a collection of exciting and extravagant characters. That feeling isn’t helped by his best friend Nina (Leslie Grace), a Stanford student who is back for the holidays and whose presence not only reignites her old romance with Benny (Corey Hawkins), but also expands on Usnavi’s nostalgia for this place. It’s also not helped by his upcoming date with Vanessa (Melissa Barrera), who Usnavi has longheld feelings for. As the Heights descend into chaos due to a blackout, Usnavi has to decide whether to leave forever and chase his dream across the seas, or to stay and build his dream right here in Washington Heights. In The Heights has an undeniable sense of fun about it. You’ll be hard pressed to resist it’s vitality, and it will breathe a huge sense of joy and relief through your very soul. Written by Lin-Manuel Miranda of Hamilton fame, it brings much of the same lyrical styling, but feels even more connected to it’s latin roots. Anthony Ramos is far and away the standout, delivering a star turn in his first real lead role. With an incredible voice and physicality, and the ability to deliver the required emotion even in the musical numbers, he’s an anchor that holds this piece together. That being said, the supporting cast is uniformly incredible also, with Barrera, Grace and Hawkins all performing admirably alongside Jimmy Smiths, Stephanie Beatriz, Daphne Rubin-Vega, Dascha Polanco and more. Indeed, it may even be the young Gregory Diaz IV as Sonny who stands out the most, certainly delivering the most laughs in our screening. Director John M Chu brings the same bombastic sensibility that he brought to Crazy Rich Asians, and through his eyes this neighbourhood in New York is bursting with colour, sound and music. It’s a tremendously fantastical depiction, but for this content it works. The film occasionally stumbles, particularly when it has to cut elements from the stage version, or shoehorn in updated causes, but for the most part this is an irrepressibly enjoyable time in the theatre. In The Heights will bring you nothing but joy. It’s a gorgeous cinematic experience that you should seek out as soon as you can.

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Reviews by Jacob Richardson Creative Director | Film Focus www.filmfocusau.com

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Films

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Fast and Furious 9 – 3 Stars HE latest installment in the juggernaut series delivers all the classic beats, but struggles to find anything fresh despite literally leaving planet Earth. Dom (Vin Diesel) and Lettie (Michelle Rodriguez) are living the quiet life,but are called back into the fray when Mr Nobody (Kurt Russel) is attacked by a mysterious foe after a world ending device. The re-assembled team, including Roman (Tyrese Gibson), Mia ( Jordana Brewster), Tej (Ludacris), and Ramsey (Nathalia Emmanue), are shocked to discover that the man they are chasing is none other than Dom’s long lost brother Jacob (John Cena), who has teamed up with a mad billionaire and captured Cipher (Charlize Theron). The issue with Fast and Furious 9 could be put down to the absence of Dwayne Johnson, whose ass-kicking Hobbs has been a staple and fan-favourite of the series for the last four movies. But that would be a little too all-encompassing, because Fate of the Furious (Fast 8) had DJ in prime position and still wound up short. It could also be put down to Cipher as the villain, hacking her way from a point of remoteness and removing the nuts-andbolts physicality of the threat of either of the Shaw boys. Or, perhaps more compellingly, it could be down to the tragic loss of Paul Walker, whose absence continues to prove he was

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really the glue that held this whole precarious mess together. Either way, Fast and Furious 9 suffers the same issues as Fate of the Furious–it’s big, it’s bold, and it’s brash, but despite ratcheting up the insanity like never before, it feels unsurprising. One longs for the days of a car chase through three buildings in Abu Dhabi, or even a simple cast break and one-liner from DJ. The funny thing is the rockets strapped

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to a old car, taking Tyrese and Ludacris to space in the final set piece of the film aren’t even the least believable element of this movie–instead, it’s the way things like magnets and computers work that really make you struggle to suspend disbelief. That being said, there is still a lot to love here. Cena is a welcome addition, grumbling his way through the terrible dialogue in the same manner as Diesel, who goes a long way to proving that Dom Torretto is really his only strong role.

Tyrese and Ludacris are a lot of fun, with a good recurring meta gag about how Tyrese is invincible. Helen Mirren steals the show in a brief cameo. Coupled with these performances are a series of unbelievable, mile-a-minute stunts, which have varying degrees of exciting engagement. The most engrossing inevitably wind up being the physical stunts, with the fist fight between Cena and Diesel a particular highlight. In the end, if you’re a fan of the franchise, you’ll probably love this film. It’s not the best in the franchise, but nor is it the worst–it’s middle of the road, but it’s also starting to feel like the more characters they bring back from the dead, the more of a swansong these films become. Which would be a shame, because when they work (much like when this film works), they work really well and are a hell of a lot of fun. Fast and Furious 9 doesn’t reinvent the franchise wheel but delivers exactly what you expect from the series–fast cars, an ever more unbelievable set of skills for a group of LA-based mechanics, and a bunch of gruff machismo couched in innumerable utterances of the word ‘family’. Reviews by Jacob Richardson Creative Director | Film Focus www.filmfocusau.com

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BREED Australia

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Transforming co-working office spaces  EMMANUEL MARTIN MALL businesses are finding it easier to network in BREED Business Centre, with free coaching seminars and training on offer giving them the opportunity to meet potential clients. Shared amenities and coworking spaces give BREED tenants the opportunity to expand their networks and collaborate with like-minded small businesses in the wake of the current COVID-19 crisis. Tenants at BREED also have more frequent opportunities to a sense of community, with many coworkers willing to help each other out. Cristina Hernandez, owner of F1 Tax, said that common services and interaction with other businesses were a key part of what made the BREED Business Centre appealing. “We’ve actually gained some clients from within the BREED building.” F1 Tax is a tax agency that offers tax preparation and accounting services, and have been operating since 2020. Ms Hernandez also praised BREED’s seminars and said she had learned a lot from attending them, allowing her to further grow her business. “It’s really economical because there are other services in the building, and there’s also a lot of space to work with, there are training and meeting rooms readily available.” As a coworking space focused on helping local small businesses in Western Sydney, BREED Australia has seen the benefits of coworking firsthand. Coworking spaces increase productivity and company culture, and businesses reflect

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BREED Tenants: L-R Cristina Hernandez, Durgeshan Naiver.

the behaviour of the environment they are in, aligning work ethics with those who surround them. BREED gives tenants the opportunities to interact and work with each other, with many of the businesses within the building finding clients through other tenants. Taking advantage of the coworking space at BREED provides tenants with the ability to build relationships outside of the office world.

Durgeshan Naiker, owner of iEngineering Australia, (https://iengaust.com.au/), said that the social networking within the building was a major plus for their business. “BREED offers free coaching that’s very informative, they have industry experts on a variety of topics presenting.” iEngineering Australia is a business that offers engineering and operations management services across the industrial, commercial and utility sectors.

Mr Naiker said that BREED was an affordable and accessible option compared to many commercial offices, and that he enjoyed having all of the facilities he needed within the same space. Coworking spaces also provide a welcoming environment for those who need an outlet from their workday or want space away from home to focus on specific tasks without distractions. People are also more productive when surrounded by others who are enthusiastic about growing their business, and working toward certain business goals. Ben Richardson, owner of Yurich Design Services (https://yurich.com.au/), came to BREED after working from home with limited space. He found BREED through another tenant in the building. “I’ve got a lot more space for my workshop now. The cheap rent was also an attractive option.” Yurich Design Services is a business that offers 3D printing, product design and customization solutions, as well as product development. Mr Richardson said that the environment within the BREED is that businesses with collaborate and help each other out. With access to business incubator programs, the tenants at BREED can tap into a wealth of knowledge and support that other co working workspace models do not offer. This greatly benefits tenants who are just starting up, making the challenging world of entrepreneurship less daunting. For information on BREED Australia and its services including office hire, please visit. www.breedaustralia.com.au or contact via phone on 02-98533200 Emmanuel Martin is General Manager at BREED Australia. Visit: www.breedaustralia.com.au

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Crosswords/Games

Solutions page 45

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CROSSWORD ACROSS 1. Surrender signal, white ... 4. Studied for exam 8. Celebrity status 11. Advantages 13. Look forward to 15. Large horned African beast 17. Catch (thief) 18. Steak cut (1-4) 20. Human males 21. Wrote by machine 24. Grill 27. And not 28. Eskimo house 30. Crypt 31. Paved with ceramic squares 33. Harsh experience 34. Moral principles 35. Pre-owned 36. Rush 39. Yacht's cooking area 42. Elegance 44. Flippers 45. Titled ladies 46. Chop wildly 48. Reform 49. Bird claw 50. Grew old 52. Slights 54. School market 55. Long tales 56. Desires greatly 57. Dress ribbon 60. Periods 62. Open wounds 65. Birthright 67. Unprincipled person 69. More senior 70. Prevents, ... from 72. Mobile phone chip, ... card 73. Unrefined 75. Other way round, vice ... 77. Bloodshot (eyes) 79. Snap (fingers) 81. Owing 82. Brown in pan 84. Trifled 85. Part with cash 86. Is compelled 87. Manage 88. Holler

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DOWN 1. Solid 2. Mimicking 3. Post-baby-boomers, ... X 4. Invitation footnote (1,1,1,1) 5. Buildings defacer 6. Understated 7. Information 8. Trivial lie 9. Make reparation 10. Jug 12. Helicopter blade 14. Room beneath a roof 16. Successors 19. Growths 22. Sings Swiss alpine-style 23. Shirked 25. Water mammals 26. Embroidery loop 29. Submitting (application) 32. Acid drug (1,1,1) 35. Reveals 37. Foot joint 38. Stinging insects 40. South American mountains 41. Gapes 42. Survive (3,2) 43. Consumed 44. Deeds 47. Reflective road marker 51. Ballroom performer 52. Holy 53. Stern 54. Weirdos 58. 4th month 59. Squeeze fondly 61. Financial holding 63. Fortunate 64. Snow vehicle 65. Crowbars 66. Let up 68. Leaves out 71. Prig 72. Rip-off 74. Unbutton 76. Ascend 78. Bargain 80. Cradle 83. Some

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NSW Budget

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Driving towards electric vehicles

From September this year, we will waive stamp duty for eligible EVs under $78,000 and $3000 rebates will be up for grabs for the first 25,000 purchasers of battery and hydrogen fuel cell electric vehicles under $68,750.” –Treasurer Dominic Perrottet. NSW Treasurer Dominic Perrottet.

 DALLAS SHERRINGHAM he State Government’s big push towards electric vehicles has been given a massive rev up by a $500m investment in technology in the recent State Budget. It means NSW will be the best place in Australia to buy and drive an electric vehicle…and will have a statewide network of charging facilities to back it up. ‘EV’s’ be literally buzzing all over the state under the NSW Government’s nation-leading Electric Vehicle Strategy, with tax cuts and incentives to drive then electric revolution. Treasurer Dominic Perrottet said $490m was being committed in the 2021-22 NSW Budget to cut taxes, incentivise uptake and reduce barriers for electric vehicle purchases during the next four years. “Our comprehensive strategy is about making sure we have the right mix in place to incentivise the take-up of electric vehicles while ensuring everyone who drives on our roads contributes to funding and maintaining them,” Mr Perrottet said.

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Electric vehicles are coming.

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“Our strategy also commences longterm major tax reform. Today we begin the process of permanently phasing out stamp duty on electric vehicles and a deferred transition to a fair and sustainable per-kilometre road user charge for electric vehicles. “From September this year, we will waive stamp duty for eligible EVs under $78,000 and $3000 rebates will be up for grabs for the first 25,000 purchasers of battery and hydrogen fuel cell electric vehicles under $68,750. “From young adults saving for their first car in Western Sydney to retirees planning a road trip to Broken Hill, these incentives will make electric vehicles accessible and affordable for all NSW residents.” Minister for Transport and Roads Andrew Constance said the EV Strategy would help the NSW Government take action on climate change. “Our transport sector currently makes up 20% of the state’s emissions, with almost 50% of those coming from passenger vehicles,” Mr Constance said.

“Electric vehicles are not only cheaper to run and quieter on our roads, but they also reduce both carbon emissions and air pollution which results in dramatically improved health outcomes for our communities. “As the world’s right-hand drive market moves to manufacturing electric vehicles, we have to make sure we have the policies in place to give industry the green light to increase model availability and cut entry price points. “The average NSW driver will save around $1000 a year in running costs by switching to an EV, and those savings can be up to $7500 a year for businesses, taxis and freight.”

Drivers need more options Energy and Environment Minister Matt Kean said the Govt needed to give drivers more options to make their next car an EV. “Countries and car makers around the world are moving to EVs and NSW consumers deserve access to the latest

vehicle models when they go to buy a car,” Mr Kean said. “We also know that, with new cars staying on the road 15 years on average, the vast majority of new cars sold in NSW need to be EVs by 2035 to achieve net zero emissions by 2050. “Our aim is to increase EV sales to more than 50% of new cars sold in NSW by 2030 and for EVs to be the vast majority of new cars sold in the State by 2035. “This nation-leading plan will help us achieve these objectives by tackling the three biggest barriers to purchasing an EV – range anxiety, upfront cost, and model availability – and is forecast to see EV new car sales hit 52% by 2030-31. “We want new and cheaper models of EVs to be available here in NSW and this strategy is designed to drive that outcome.” The $490M in funding and tax cuts includes: • Stamp duty will be waived for eligible electric vehicles (battery and hydrogen fuel cell vehicles) priced under $78,000 purchased from September 1 2021; • Rebates of $3000 will be offered on private purchases of the first 25,000 eligible EVs (battery and hydrogen fuel cell vehicles) under $68,750 sold in NSW from September 1 2021; • $171m for new charging infrastructure across the State. This includes $131m to spend on new ultra-fast vehicle chargers, $20m in grants for destination chargers to assist regional tourism and $20m for charging infrastructure at public transport hubs on Transport for NSW owned land. • $33m to help transition the NSW Government passenger fleet to EVs where feasible, with the target of a fully electric fleet by 2030. These vehicles typically are onsold after three to five years, providing availability for private buyers in the secondhand market. The Strategy builds on the programs in the State’s Net Zero Plan Stage 1: 20202030 and Future Transport 2056 Strategy. For more information, visit: www.nsw.gov.au/ electric-vehicle-reform

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Why WELLNESS is the new buzzword

 DALLAS SHERRINGHAM ELLNESS has suddenly become a key word in attracting and maintaining employees in the new age of the COVID-19 pandemic. A quick search of Google will find a plethora of companies springing up to provide wellness resources for companies keen to establish a ‘healthy’ reputation. But what is wellness and how can it be applied to the workforce? Google defines wellness as: “the act of practicing healthy habits on a daily basis to attain better physical and mental outcomes”. So instead of just surviving you will be thriving and as a result you will be a better performing staff member, whether you are in management or a worker. In the past, the wellness of staff was of little concern to management, except when

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somebody took “too many sick days” or had a mental meltdown. Today’s manager must be more than just a leader and slave driver. He or she must be part doctor, part fitness expert and part social worker to keep staff happy and productive. For progressive companies it may mean converting unused office or factory space into a wellness centre. One new age company is Wellness Solutions. It creates wellness centres for businesses looking to join the health revolution. Its aim is to assist companies considering converting an existing room into a wellness lounge. Wellness Solutions has a range of options including: • Immersive Studios for Movement. • Innovative Wellness Pods with privacy screens. • Community areas such as lounges, co-working spaces and wellness cafes.

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The company says If you're limited for space it's easy to create your own custom wellness lounge. And the wellness pods are a new innovative type of retreat where you can enjoy breathing, massage and meditation sessions while relaxing with your feet up.

It’s now WE not ME Employee wellness is high on employers’ to-do lists as they look to not only cut health care expenses but improve productivity and recruit and retain top talent. And as with the rest of their benefits portfolio, employers are looking for ideas that will not only set themselves apart from the competition, but also actually drive excitement and interest among employees. Some places are getting truly creative in the ways they’re working to engage employees in their own wellness, with ideas unique to them.

Others are picking up on what others are doing and then tweaking those ideas to suit their own employee populations. Another wellness firm Benefits Pro said some companies were really taking on the challenge and reflecting it in the very design of the workplace. “Whatever strategies they’re trying, companies are finally recognizing that, when it comes to wellness, it’s not enough to talk the talk. They have to walk the walk and incorporate ideas into the mission and values of the company.” However, companies are now finding that wellness really needs to be a “we” rather than “me” rejuvenation. “Workplace wellness programs are implicitly focused on the individual: biometric screenings, individual incentives, gym member reimbursements,” Benefit Pro said. SOURCES: Google, Benefits Pro, Wellness Solutions

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