Find Geelong 2021 - August Edition

Geelong The

AUGUST 2021

WHAT’S INSIDE: 04

LOCAL STORIES

09

COLUMNIST ARTICLES

28

TAX UPDATES

30

NOT-FOR-PROFITS EVENTS & ARTICLES

38

RENTAL LISTINGS FREE ADVERTISING

40

GEELONG COUNCIL NEWS

80

FIND BIRTH, DEATHS & MARRIAGES

81

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

COVID MUTANT VARIANT...

When will it end?

The way out of Lockdown (Page 6)

MarkMogato ADAM SIMS WEB DEVELOPER adam@awebpage.com.au

info@findaccountant.com.au| www.findaccountant.com.au

PLATINUM SPONSOR

www.codeberg.com.au

AUGUST SPONSOR

KERRY KASPI BRANDED APPAREL & MARKETING Kerry@gim.net.au www.gim.net.au/

AUGUST SPONSOR

CLUB SPONSORS

COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

GARAGE DOORS

SALARY PACKAGING

CHANTAL DJURIC BOOKKEEPER

MARY-CLARE SWITZ

DAN NICHOLLS VIDEO CONSULTANT

ZOË WOOD

LAWYERS

JOHN VAN BEVEREN

PAINTING & DECORATING

STEVE DAHLLOF

WEB DEVELOPER

BUSINESS COACH

ADAM SIMS

DEB FRIBBINS

FINANCIAL PLANNER

GENERAL INSURANCE

MARK KRUGER

NICOLE NELSON

LIFE COACHING

PROPERTY SERVICES

FINANCE BROKER

ELECTRICAL OPERATIONS

LOUISE LUGSDIN

DANIEL TOMLINSON

ALLAN HOULISTON

MARK CLUTTERBUCK

BRANDED APPAREL & MARKETING

HAIRDRESSER

?

TRAVEL AGENT

Are you our next Hairdresser?

?

PERSONAL TRAINER

Are you our next Travel Agent?

Are you our next Personal Trainer?

KERRY KASPI

?

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About the Find Geelong

By Warren Strybosch

The Find Geelong is a community paper that aims to support all things Geelong.

We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Geelong for Free.

We will also try and showcase different organisations throughout the year so you, the reader, can learn more about what is on offer in your local area.

We do not proclaim to be another newspaper and we will not be aiming to compete with other news outlets. You can obtain your news from other sources. We feel you get enough of this already. We will keep our news topics to a minimum and only provide what we feel is most relevant topics to you each month.

To help support the paper, we invite local businesses owners to sponsor the paper and in return we will provide exclusive advertising and opportunities to submit articles about their businesses. As a community we encourage you to support these businesses/columnists.

Without their support, we would not be able to provide this community paper to you.

We invite local council and the current council members to participate by submitting information each month so as to keep us informed of any changes that may be of relevance to us, their local constituents.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years.

Our aim is to help as many NFP and other like organisations to raise much needed funds to help them to keep operating.

Our fundraising initiatives will never simply ask for money from you.

We will also aim to provide something of worth to you before you part with your hard-earned money. The first initiative is the Find Cards and Find Coupons – similar to the Entertainment Book but cheaper and more localised.

Any NFP and similar organisations e.g., schools, sporting clubs, can participate.

Follow us on facebook (https://www. facebook.com/findgeelong) so you keep up to date with what we are doing.

We value your support, The Find Geelong Team.

Geelong The

EDITORIAL ENQUIRES: Warren Strybosch | 1300 88 38 30 editor@findgeelong.com.au PUBLISHER: Issuu pty Ltd POSTAL ADDRESS: 248 Wonga Road, Wararnwood VIC 3134 ADVERTISING AND ACCOUNTS: editor@findgeelong.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: editor@findgeelong.com.au WEBSITE: www.findgeelong.com.au

OUR NEWSPAPER The Find Geelong was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Geelong has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS GEELONG The City of Geelong is one of Victoria’s largest regional capital cities. Geelong had a population of approximately 230,000 as at the 2019 Report which includes 16,000 businesses.

Geelong’s location is in strong growth corridor, making it an ideal location for businesses to explore options outside of the capital city.

ACKNOWLEDGEMENT The Find Geelong acknowledge the Traditional Owners of the lands where Geelong now stands, the Wadawuarrung people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

DISCLAIMER Readers are advised that the Find Geelong accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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NEXT ISSUE Next Issue of the Find Geelong will be published on Thursday September 9, 2021. Advertising and Editorial copy closes Friday September 3, 2021.

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Albanese makes backflip announcement to Labor’s tax policy to try and win back ex-Labor voters A key part of Labor’s policies during the 2019 election was to remove negative gearing and either do away with or reduce the benefits of franking credits. It was Labor’s way of trying to tackle the affordability crises.

Now, the federal opposition has done a back flip with the hope to re-engage voters or bring back to the fold ex-labor voters who have become disenfranchised with what the opposition party has to offer.

Labor leader Anthony Albanese confirmed that Labor will uphold the current, legislated changes to personal income taxes and maintain the existing regimes for negative gearing and capital gains tax – basically they will do what the Liberals are doing.

“An Albanese Labor government will deliver the same legislated tax relief to more than 9 million Australians as the Morrison government,” Mr Albanese said.

He confirmed that the Labor shadow cabinet and caucus had ratified the party’s new position.

As the next federal election looms over the horizon, Labor is trying to find ways to pretty up the party’s image and their policies. So far, they have introduced dog parks and safe housing for minority groups. Now, they are throwing out their own policies and falling into line with the Liberals.

Again, what does Labor stand for? They used to be the party for the people but now they seem to be a party for minorities and the policies they introduce seem to be more populace in view rather than actually making long term differences to ordinary Australians.

By Warren Strybosch

COVID:

NEW VICTORIAN

BUSINESS SUPPORT PACKAGE

A new Victorian Business Support Package has been established in conjunction with the Commonwealth. The new package will deliver $5,000 grants to businesses that remain impacted by capacity limits; the existing Licenced Hospitality Venue Fund will make grants of up to $20,000 to support licensed venues; the Commercial Tenancy Relief Scheme and Landlord Hardship Fund will provide support to landlords that provide rent relief to their tenants (and the Commercial Tenancies Relief Scheme will be reinstated to provide rent relief too small to medium commercial tenants and their landlords); and, the existing Alpine Business Support scheme will deliver grants of between $5,000 and $20,000 to 430 Alpine based businesses Also, a new Small Business COVID Hardship Fund will be established under which small businesses with a payroll of up to $10m who have experienced a 70% or greater reduction in revenue will be eligible for grants of up to $5,000. At time of writing we are still waiting to hear what how the 70% reduction in revenue test will be calculated and when these funds will be ready to apply for

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RBA Warns Of Rise In Unemployment Rate Colin Brinsden, AAP Economics and Business Correspandent (Australian Associated Press)

The Reserve Bank of Australia has warned the unemployment rate is expected to increase in the near term due to the lockdowns in parts of the country which will see the economy contract in the September quarter.

This is largely the result of the lengthy virus lockdown in Greater Sydney and regional NSW areas.

Last month’s lockdowns in Victoria and South Australia will have also left a negative mark, as will the current restrictions in Queensland.

“The economic outlook for the coming months is uncertain and depends upon the evolution of the health situation and the containment measures,” RBA governor Philip Lowe said in a statement.

“Beyond that, the bank’s central scenario is for the economy to grow by a little over four per cent over 2022.”

Dr Lowe also expects the jobless rate will resume its downward trend, reaching 4.25 per cent at the end of 2022 and four per cent a year later.

The unemployment rate fell to a decade low of 4.9 per cent in June.

The central bank left its key interest rate policies unchanged at Tuesday’s monthly board meeting, including the cash rate at a record low 0.10 per cent.

This was the third consecutive monthly decline reflecting the unwinding of pandemic stimulus measures, such as HomeBuilder, the ABS said.

Dr Lowe reiterated that in an environment of rising housing prices and low interest rates, the bank is monitoring trends in housing borrowing carefully and it is important that lending standards are maintained.

Unsurprisingly, confidence among Sydneysiders fell sharply in the past week following the extension of the NSW virus lockdown to the end of this month.

The central bank may draw some comfort that demand for home loans and applications to build homes are falling.

New Australian Bureau of Statistics data shows the value of new home loans fell 1.6 per cent in June to $32.1 billion. For owner-occupiers, loans fell by 2.5 per cent to $22.9 billion.

“While this was the largest fall since May 2020, owner-occupier commitments remained 76 per cent higher compared to a year ago and 64 per cent higher than pre-COVID levels in February 2020,” ABS head of finance and wealth Katherine Keenan said.

The number of home building approvals also fell 6.7 per cent to 18,911 in June, including an 11.8 per cent tumble in private sector houses to 12,037.

However, Australians have got a spring back in their step in other parts of the country after restrictions were eased in Victoria and South Australia.

Overall, the weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – rose 1.1 per cent after two weeks of hefty falls.

Confidence slumped by seven per cent in Sydney, but was partly offset by a two per cent rise in Victoria and a 2.9 per cent increase in South Australia.

Sentiment in Brisbane was also up 2.7 per cent, but the majority of the survey was completed before the three-day lockdown in southeast Queensland was announced, ANZ head of Australian Economics David Plank noted.

That snap lockdown has since been extended until next Sunday.

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National Plan to Transition Australia’s National COVID-19 Response The National Cabinet agreed in-principle to an updated fourstep National Plan to transition Australia’s National COVID-19 Response (National Plan) taking into account the Doherty Institute COVID-19 modelling and the Commonwealth Department of Treasury economic analysis.

The National Plan charts the way back.

The National Plan sets out four phases to effectuate this transition. Each phase will be triggered by the achievement of vaccination thresholds of both the nation, and the individual state or territory expressed as a percentage of the eligible population (16+), based on the scientific and economic modelling conducted for the COVID-19 Risk Analysis and Response Taskforce.

The National Plan provides a graduated pathway to transition Australia’s COVID-19 response from its current prevaccination settings focused on continued suppression of community transmission, to post-vaccination settings focused on prevention of serious illness and fatalities, whereby the public health management of COVID-19 is consistent with other infectious diseases.

The updates agreed in-principle today by the National Cabinet are the Vaccination thresholds to move to Phase B and Phase C. The National Cabinet will commission further detailed modelling over the coming months to update and refine the National Plan as required.

A sub-group of National Cabinet consisting of Victoria, Tasmania and the Northern Territory will also prepare options on how restrictions can be eased for vaccinated Australians in Phase B.

level restrictions. Measures may include maintaining high vaccination rates, encouraging uptake through incentives and other measures, minimising cases in the community through ongoing low-level restrictions and effective track and trace, and with lockdowns unlikely but possible and targeted.

Phase A. Vaccinate, Prepare and Pilot (Current Phase) Australia will continue to strongly suppress the virus for the purpose of minimising community transmission. Measures may include accelerating vaccination rates, closing international borders to keep COVID-19 out, and early, stringent and short lockdowns if outbreaks occur.

Phase C. Vaccination Consolidation Phase (≥80% of adult population fully vaccinated)

Phase B. Vaccination Transition Phase (~70% of adult population fully vaccinated)

In Phase C, Australia will seek to minimise serious illness, hospitalisations and fatalities as a result of COVID-19 with baseline restrictions. Measures may include maximising vaccination coverage, minimum ongoing baseline restrictions adjusted to minimise cases without lockdowns, and highly targeted lockdowns only.

In this phase, Australia will seek to minimise serious illness, hospitalisations and fatalities as a result of COVID-19 with low-

(Source: https://www.pm.gov.au/media/national-cabinetstatement-10)

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National Plan to transition Australia's National COVID-19 Response National Cabinet agreed to formulate a national plan to transition Australia's National COVID-19 Response from it's current pre vacination settings, focussing on continued suppression of community transmission, to post vaccination settings focused on prevention of serious illness, hospitalization and fatality, and the public health management of other infectious diseases.

Phases triggered in a jurisdiction when the average vacination rates across the nation have reached the threshold and that rate is achieved in a jurisdiction expressed percentage of the eligible population (16+), based on the scientific modelling conducted for the COVID-19 Risk Analysis and Response Task Force

~ 70% vaccination (2 doses) A. Current Phase: Vaccinate, Prepare and Pilot* Continue to strongly suppress the virus for the purpose of minimising community transmission

≥ 80% vaccination (2 doses)

B. Vaccination Transition Phase Seek to minimise serious illness, hospitalization and fatality as a result of COVID-19 with low level restrictions

C. Vaccination Consolidation Phase

D. Final Post-Vaccination Phase

Seek to minimise serious illness, hospitalization and fatality as a result of COVID-19 with baseline restrictions

Manage COVID-19 consistant with public health manangement of other infectious diseases

Measures may include:

Measures may include:

Measures may include:

Measures may include:

• Accelerate vaccination rates

• Maintain high vaccination rates,

• Maximise vaccination coverage

• Open international borders

• Minimum ongoing baseline restrictions,

• Quarantine for high-risk inbound travel

• Close international borders to keep COVID-19 out • Early, stringent and short lockdowns if outbreaks occur • Minimise cases in the community through effective test, trace and isolate capabilities • Implement the national vaccination plan to

encouraging uptake through incentives and other measures • Minimise cases in the community through

• Highly targeted lockdowns only

track and trace

• Continue vaccine booster programme;

• Lockdowns less likely but possible • International border caps and low-level international arrivals, with safe and

vaccinated with the necessary doses of the

proportionate quarantine to minimise the risk

relevant vaccine as soon as possible; reduced • Domestic travel restrictions directly proportionate to lockdown requirements.

• Commonwealth to facilitate increased commercial flights to increase international repatriations to Darwin for quarantine at the

lockdowns

ongoing low-level restrictions and effective

offer every Australian an opportunity to be

• Inbound passenger caps temporarily

adjusted to minimise cases without

of COVID entering • Ease restrictions on vaccinated residents (TBD)

• Exempt vaccinated residents from all domestic restrictions; • Abolish caps on returning vaccinated Australians • Allow increased capped entry of student, economic, and humanitarian visa holders;

• Restore inbound passenger caps at previous levels for unvaccinated returning travellers and larger caps for vaccinated returning travellers;

vaccinated persons, without quarantine; and • Allow uncapped arrivals of non-vaccinated travellers subject to pre-flight and on arrival testing.

new candidate countries (Singapore, Pacific) • Gradual reopening of inward and outward

• Allow capped entry of student and

international travel with safe countries and proportionate quarantine and reduced

arrangements and availability;

requirements for fully vaccinated inbound

quarantine options, including home

• Allow uncapped inbound arrivals for all

vaccinated Australians; and

Springs;

• Trial and pilot the introduction of alternative

with influenza or other infectious diseases • Boosters as necessary

• Extend travel bubble for unrestricted travel to

economic visa holders subject to quarantine

extended

ongoing restrictions or lockdowns • Live with COVID-19: management consistent

• Lift all restrictions on outbound travel for

Centre for National Resilience in Howard • International Freight Assistance Mechanism

• Minimise cases in the community without

• Introduce new reduced quarantine

travellers.

arrangements for vaccinated residents; and • Prepare/implement vaccine booster programme (depending on timing).

quarantine for returning vaccinated travellers; • Expand commercial trials for limited entry of student and economic visa holders • Recognise and adopt the existing digital Medicare Vaccination Certificate (automatically generated for every vaccination registered on AIR); • Establish digital vaccination authentication at international borders;

*No jurisdiction required to increase restrictions beyond current settings The Plan is based on the current situation and is subject to change if required The COVID-19 Risk Analysis and Response Taskforce’s report will be available once finalised at: pmc.gov.au.

• Prepare vaccine booster programme; and • Undertake a further review of the national hotel quarantine network.

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COVID-19 disaster payments are now tax-free: Do you need to amend your tax return?

By Warren Strybosch

Prime Minister Scott Morrison has declared that COVID-19 disaster payments will now be tax-free. For all of those who have submitted their tax returns before 1st August 2021, you may need to amend your returns or lose the tax you otherwise previously paid.

On Tuesday, the Treasury Laws Amendment (COVID-19 Economic Response No. 2) Bill 2021 was introduced into Parliament, confirming Prime Minister Scott Morrison’s comments that COVID-19 disaster payments would now be tax-free.

Previously, COVID-19 disaster payments were taxable income. However, after the announcement, they will now be treated as non-assessable non-exempt income.

The Institute of Public Accountants general manager of technical policy, Tony Greco, said granting the $750 a week payment with a tax-free status would mean workers will take home more than they did under the original JobKeeper program.

Disaster payment recipients can expect to be better off by $90 a week compared with the JobKeeper wage subsidy, based on an annualised $39,000 income of $750 each week.

“The main concern is that these payments have always been stated as assessable, so now there’s confusion,” said Mr Greco. “It is a significant shift in treatment from what people have been told and what we have come to expect.

According to Mr Morrison, more than $490 million in COVID-19 disaster payments have been paid to over 955,000 workers in NSW and Victoria.

The payments, which were increased on Wednesday from $600 to $750 a week for workers who lost more than 20 hours and raised from $450 from $375 for those who lost between eight and 20 hours, are expected to cost the federal government $750 million a week.

For those of you who have already lodged your returns and the COVID-19 disaster payment was included as taxable income, you might like to consider amending your returns and potentially getting some money back from the ATO.

Date of Birth

Pension age

Date pension age changes

From 1 July 1955 to 31 December 1956

66 years and 6 months

1 July 2021

From 1 July 1957 to onward

67 Years

1 July 2023

CGT exemption for granny flat events becomes law In last year's budget, the Goverment announced that a CGT exemption will apply to the creation will apply to the creation, variation or termination of a granny flat arrangement that is providing accomodation for older Australians or those with a disability, where there is a formal written agreement in place. This exemption has now become law and commenced 1 July 2021.

This change is hoped to help families, who currently avoid creating formal, legally binding agreements because of the potential significant CGT consequence, to start creating agreements to protect all involved.

To be eligible for the CGT exemption: • The arrangement accommodation for life • The person entering the arrangement must be pension age or have a specified disability • The parties to the agreement don't need to be related • The arrangement can't be on a commercial basis (eg formal rent agreements).

Eligibility for the exemption is determined at the time the granny flat agreement is entered into as long as the CGT event occurs after 1 July 2021.

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SuperStream for SMSF ACCOUNTANT

By Warren Strybosch

All BGL clients must use Australia Post as their default gateway as Simple Fund 360 will not integrate with any other gateway provider. If you register with another gateway, you will not be able to use the SuperStream data in Simple Fund 360.

SuperStream is the new standard for super transactions designed to improve the quality of data and improve processing efficiency for both employers and super funds.

SuperStream servicea will collect contribution data from employers and distribute this data to SMSF software providers.

Where can I find the Electronic Service Address (ESA)?

As part of this, all trustees of SMSFs must comply with a new data and e-commerce standard. Employers will be able to send superannuation contributions and data to multiple funds in one standard electronic format, instead of sending information to separate funds in multiple formats.

The ESA is available in the Trustee/Employer Notification Letters which can be prepared after you or your accountant has registered the fund for SuperStream.

What is SuperStream?

Once registered, SMSF Trustees will need to provide the following information to their employer:

SuperStream is a government reform designed to enhance the efficiency of the super system. Under SuperStream, employers are required to make super contributions, both data and payment, on behalf of their employees electronically. All super funds, including SMSFs, must receive contribution data and payments electronically in accordance with the SuperStream standard.

SuperStream Gateways will collect your contribution data from employers and distribute this data to your SMSF.

The Electronic Service Address (ESA) is required by employers so that they can send contribution data to that address. Each SuperStream Gateway has a unique ESA.

The ESA will also be saved under Fund | Fund Details.

Self Managed Super Fund name, ABN, The Electronic Dervice Address (ESA), BSB and Account Number. An Employer Notification Letter can also be generated in Simple Fund 360.

Thankfully, the ATO has confirmed it will not take a hard-line enforcement approach to SMSFs that do not comply with the new SuperStream requirements set to be implemented on 1 October this year even though funds in this predicament will be considered to have committed a regulatory contravention.

When speaking to the SMSF Association, the ATO superannuation and employer obligations director, Belinda Black said: “Not complying [with the SuperStream requirements] is a breach of the payment standards and penalties may apply. However, like any new functionality and change, the ATO wants to support those impacted and therefore will allow a transition window for the industry to get up to speed and understand SuperStream.”

There are currently several SMSF software providers already compliant with SuperStream. For Trustees of SMSF, it is best to talk to your accountant regarding SuperStream to make sure they, more importantly, you as the Trustee, will be able to meet your obligations after the 1st of October 2021.

Go to ATO website to read more: https://www.ato.gov.au/super/superstream/

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

Warren Strybosch Australia Post will provide Simple Fund 360's SuperStream Gateway

BGL has partnered with Australia Post to provide SuperStream services. Registration can be done directly through Simple Fund 360 free of charge. Do not register directly through Australia Post as a cost will be incurred.

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

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How To Make Uncertainty Work For You, Your Team AND Your Business.

RESILIENCE COACH

By Sally Higoe

This new working-from-home norm has many positives!

But it’s also becoming a little dull... don’t you think?

Sure, it’s easier to get up last minute, set up the way we want and eat as we feel.

But is it too comfortable?

Comfort may equal ease, but day in day out comfort becomes predictable, and predictability suffocates growth.

When you look in the mirror in the morning, how bright is the twinkle in your eyes?

Do they shine and sparkle at the thought of what’s happening next?

Or do they lay dull in their sockets because it’s ‘the same old thing’ today?

Have you considered that you may be too comfortable?! And this could be spilling over into your leadership style!

Another word for comfort is certainty.

Some people get addicted to the certainty of things. Get addicted to having control. Predicting results is much easier when you’re in your little bubble of comfort and don’t look beyond.

But getting stuck here can unknowingly stifle results – for everyone.

Certainty, Control, and Comfort DO NOT inspire creativity, opportunity, and change.

There is an overwhelming need for all people, across the globe to fill their lives with certainty right now... simply to balance the enormous level of uncertainty in the outside world. It’s a natural and subconscious response and is commonly happening in the work environment. Perhaps for you it’s in your set-up, your approach or directly shown

in your leadership – are you micromanaging or lacking delegation, avoiding online team meetings with too many variables or avoiding giving feedback?

Self-awareness is the key here... and a must in any great leader. When you understand how you respond in different situations you are then able to adjust accordingly to continue to motivate and inspire yourself and those around you.

Too much uncertainty, drives a need for certainty.

This is a universal response... that is, it applies to everyone (and often without awareness).

So, there is a big possibility that you and/ or your team have overcompensated with comfort in your home work space and if so, that spark, that urge to think outside the box, to challenge, to create, will surely be stifled and choking your bottom line results.

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It’s time to encourage greatness, bring back some spark – to you and those around you!

Hiding behind the screen cannot be the new norm.

Here’s some easy steps that you and your team can follow to stimulate originality and expression, go back to basics, and EMBRACE THE UNCERTAINTY of the new work-from-home life!

1. HAVE A GO! Say Yes and then work out how. The key is to make up your mind quickly and change it slowly. When you say YES, it confirms you’re worth it. You will then back yourself to figure out the rest. This way you’ll consistently discover that you’ve got more to give, and you have yet another level within.

2. TRUST YOUR SENSES Doing this effectively will form a belief within yourself that you can draw on at times of uncertainty - this will carry you through. By believing in yourself and trusting your senses, you’re more likely to give it a go in the areas that you may not think you know so well.

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3. DO ONE THING EVERY DAY TO GET YOU OUT OF YOUR COMFORT ZONE Could be as simple as speaking to someone you wouldn’t usually, going down a slide at the park (with or without the kids!), go bare foot on a trail walk.

Commit to building a resilient team that promotes individual greatness yet moves seamlessly together as one... this is where the magic happens... get in touch if you’re keen to know more on how.

4. DO THE LESS PREDICTABLE THING Not to shock others, but to surprise yourself. This will build your inner trust.

If you’re looking to build a resilient culture in your business and would like support around this, reach out for a chat

5. CHOOSE A MORE POSITIVE ATTITUDE AND LOOSEN UP – You’ve got this!! Think... “I have no idea how to do this, yet I’m going to have a good ole crack at it and work out where I suck”. Through striving forward and giving it a go, we discover where we struggle and where the gaps are for us to move forward. “Fantastic, I now know what I have to learn and where to progress” With a deeper understanding of how you work, what makes you tick and why you do the things that you do – both individually and as a team – you’re able to hone in and create a tailored work environment that’s inspiring and fun, innovative, motivating, and productive.

Sally Higoe Team/Leadership Coach Team Resilience Method 0490388017 sally@team-resilience.com.au

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one....

SERVICES

Leadership coaching that connects your team and drives results

LEADERSHIP COACHING & DEVELOPMENT TEAM COACHING & DEVELOPMENT BEHAVIOURAL PROFILING BUSINESS GAP ANALYSIS IN-HOUSE & ONLINE TRAINING

CONTACT SALLY HIGOE Resilience Coach Team Resilience Method 0490 388 017 sally@team-resilience.com.au

WORKSHOPS/WEBINARS

www.theresaliantcemethod.com.au

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How Does The Probate Process Work?

LAWYERS

By John Van Beveren

A loved one’s legacy, like their life, is very important to protect. Therefore, it is critical to ensure what they leave behind is distributed and carried out according to their wishes.

What is Probate?

Probate is a step that allows a representative person (also known as an executor or administrator), to take control of a person’s estate and distribute it to the intended beneficiaries after they passed away.

A “Grant of Probate” from the Supreme Court of Victoria gives a person authority to deal with the assets of a deceased, such as bank accounts, shares and property, so that they can deal with them according to their loved one’s wishes that is written in their Will.

What do I need to do if I am an executor?

Once you apply for a grant of probate, some of your roles will include: •

Contacting the beneficiaries in the Will, including anyone interstate or overseas

•

Protecting the person’s assets -this might include taking out insurance

•

Providing death notifications to Centrelink, banks, and other authorities

•

File a death taxation return or notify the Australian Taxation Office that a tax return is not necessary. Any outstanding tax return need to be lodged (otherwise you run the risk of being personally liable for any outstanding tax as the executor).

•

Pay any outstanding bills and debts from the estate funds

•

Defend the estate against any legal action

•

Transfer the assets, including any properties owned by the deceased, according to the Will.

How to apply for Probate?

The court will need to issue a formal legal document confirming that the Will is valid. The Court also decides if the Will was the last Will that the deceased made and confirms that there are no objections to the Will being valid.

The Court will need proof that the executor listed in the Will is alive and willing and able to complete the wishes written a person’s Will. The Court will confirm the appointment of the executor and them authority to administer the estate of a person who has died. If awarded this is known as a “grant of probate.”

What if there is no Will?

When a person dies without a Will, it means they did not appoint an executor to administer the estate. In these cases, the closest next of kin can apply for “Letters of Administration” to legally authorise them control to distribute the deceased’s assets.

If there is a particular person you trust and want to take care of your affairs after your passing, we strongly encourage you to ensure you have a valid Will in place so there is a clear and trustworthy executor that the Court can give legal authority to handle your affairs as per your wishes.

Does the size of probate matter?

A probate may only be required if the monetary amount of the deceased’s asset is above a certain amount. For smaller amounts, other documents, such as a copy of the death certificate and the deceased person’s Will, may be enough for a financial institution to release the money.

Each financial institution is likely to have its own policy regarding deceased estates.

For example, if there is money in a bank account and the deceased was the sole account holder, the financial institution may ask for a grant of probate or letters of administration before releasing the funds to the executor.

Similarly, if the deceased person held many shares, the company may require a grant of probate before they will release the shares.

Is Capital Gains Tax applicable to deceased estate?

the deceased within a set period.

However, it may apply if you later dispose of the asset to someone else.

You are exempted from CGT on disposal of an inherited dwelling if you dispose of it within two years of the person’s death.

CGT will apply if the asset is transferred under the Will to a tax-advantaged entity (such as a charity or superannuation funds), or to a foreign resident regardless when it is being transferred.

If the deceased had any unapplied net capital losses when they died these do not transfer to you as a beneficiary or legal personal representative. This means you can’t use any such losses to offset against any net capital gains.

What are the key things to consider when running a business?

Sole traders: If you are a sole trader, estate planning is a simple exercise where you can pass the assets to your chosen beneficiaries through your Will.

In some situations where successors have no interest in running the business, you should then address how the business should be sold.

Partnerships: In a partnership, it’s advisable to have a legally enforceable Partnership Agreement that outlines what happens in the event of a partner’s death.

This makes it easier for the other partners to buy out the share. The proceeds of the sale are then distributed to the deceased partner’s beneficiaries according to their Will.

Alternatively, the Partnership Agreement may simply pass on the deceased partner’s share of the business to his or her successors.

In the absence of the agreement, then the Partnership Act will then take effect.

Companies: If you run a company, it will be important to have a Shareholders’ Agreement to determine what happens to the ownership of the company in the event of your death. A shareholders’ agreement can deal with situations where the other directors or shareholders wish to buy your share, as well as how voting rights will work and how the dividends and capital works be distributed.

If you are a beneficiary or legal personal representative, you acquire the asset on the day the person died.

You can also pass your shares to your intended beneficiaries through your Will (but not the assets of the business, such as a property, which are owned by the company).

Capital Gains Tax (CGT) does not apply when a beneficiary acquires the asset from

So, as you can see from above the importance of having a clear estate plan

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to protect your assets according to your intentions. It also helps your loved ones navigate the probate process to ensure your asset pass according to your wishes.

Why use a testamentary trust?

Testamentary trusts are created by a Will to provide a greater level of control and protection over the asset when they are distributed to the beneficiaries.

The overriding objective for all Testators in this kind of trust is to ensure that each beneficiary’s inheritance is protected and preserved from waste and dissipation by the beneficiary.

It also protects the person against claims on the beneficiary’s assets due to any marital or commercial breakdown.

Other special benefits of testamentary trusts are the reduction in tax needed to be paid by beneficiaries from any income earned from the inheritance.

This is useful where the beneficiary has a high personal tax rate, have a partner on a lower income, or have any minor children and grandchildren.

Trustees need to obtain specific advice regarding taxes payable for a testamentary trust, particularly where assets are held in trust for more than three years.

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Probate legal matters, including advising and executing a Will, applying for Probate and Letters of Administration, as well as distributing and managing the Estate.

Contact us for an initial consultation.

Do you want to talk to a lawyer about property matters? Call JohnVan Beveren on 0429 312 986 for a free 15 minute call.

How can we help you?

At Van Beveren Lawyers, we understand that dealing with the estate of a loved one is one of the most difficult challenges in life. We can help you in ensuring that their intentions are carried out so that they are remembered the way they intended. We can assist in a full range of

John Van Beveren LAWYER Van Beveren Lawyers 0487 044 478 www.vanbeveren.com.au

GEELONG’S PREMIER NEWLAW FIRM WITH A PERSONAL APPROACH. WE PROVIDE HIGH QUALITY, TIMELY & TAILORED LEGAL SOLUTIONS WITH PRICE CERTAINTY AUSTRALIA WIDE. OUR SERVICES CONVEYANCING & LEASES

PROBATE

COMMERCIAL & CORPORATE

CRIMINAL LAW

FAMILY LAW

ADVOCACY & MEDIATION

WILLS & ESTATE PLANNING

IMMIGRATION & VISAS

CONTACT US Suite 3, 50-58 Moorabool St Geelong VIC Australia 3220 Available 24 hours 0429 312 986 john@vanbeveren.com.au

Van Beveren Lawyers based in Geelong provide high-quality, timely and tailored legal solutions with price certainty Australia-wide. We focus on quality services, building relationships and forging long-term partnerships. Together, we invest in your ongoing success

JOHN VAN BEVEREN Lawyers & Conveyancers AUGUST 2021 | FIND GEELONG

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Feature Walls For The Wow Factor PAINTING & DECORATING

By Steve Dahllof

Do you want your house to wow people as they walk in? A feature wall can be an exciting opportunity to express your creativity and stamp a sense of who you are onto your living spaces.

As a painter with decades of experience, people often ask me for advice on which wall to feature, and how. I’m more than happy to help! Here are my top tips to make your house feel unique and welcoming.

Which wall to choose You want to place the feature wall where a person’s eye is naturally drawn. By featuring the wall that draws your eye, you add an illusion of spaciousness.

As you walk to your room, notice where you look. If it’s a bedroom, feature the wall behind the bed head. If it’s a dining room, you want the wall behind the dining table to stand out. In your living room, choose the wall behind your TV, or behind your couch, depending on which wall you first see as you enter.

What colours to choose The colour of your feature wall should match the look and feel of your house.

Consider, too, whether you will be planning to sell the home again before the next repaint. Generally, if your house is neutral colours, you should stick to neutral tones.

Take into account the amount of daylight that comes in. If the room has big windows, a pastel wall is going to look best in the day, because the contrast between a dark wall and the rest of the room will look too harsh. If the room is naturally darker, then adding a rich colour can add a touch of drama, mystique, and majesty.

What materials to use The materials you use depends on your budget. You can create a jaw-dropping feature wall just with paint and the right decore. If you have more resources available for your project, then stone, tiles or luxury wallpaper will give your house that air of opulence which will be the talk of your next dinner party for years to come.

If in doubt, consult an interior designer, or talk with me when you book your free consultation and quote.

What’s a feature wall?

A feature wall is a wall that stands out compared to the other walls in a room. It can be done with paint, or wallpaper, and also with textures like reclaimed wood or tiles.

Selecting your room Any room in the house can have a feature wall, so long as the room isn’t too cosy.

Sometimes small rooms can have a feature wall (like a bathroom) but consistency helps to create a feeling of space in small spaces.

Steve Dahllof PAINTING AND DECORATING Dahllof Painting services 0407 365 372 www.stevedahllofpaintingservices.com.au

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What is Landlords Insurance?

GENERAL INSURANCE

By Nicole Nelson

What is landlords Insurance?

There are different types of Insurance to consider for your investment property – so what is landlords Insurance? And do I need it?

Owning an investment property can be one of the biggest financial investments you can make. So protecting it with the right insurance landlord insurance is important.

Here’s what you need to know about landlord insurance for your investment property!

tenants are unable to live in the property as a result of building damage. For example a flood.

This article provides general information

This is also handy to cover your rent while the property is being fixed or while you find new tenants.

your particular circumstances before

Rent Default - ordinarily, this covers events such as missed rent payments, loss of income due to a property being vacant, and legal costs involved with pursuing a tenant for rent.

reliable, we do not guarantee that it is

Theft by Tenant - this typically covers loss or damage caused by theft or attempted theft by tenants or guests

any statute cannot be excluded, we

Liability – Do I need this with my rental property?

resulting loss or damage of the reader or

Whether accidental, on purpose or for any reasons beyond our control, damage to a rental property can happen. Having insurance means the landlord’s loss may be significantly reduced.

Liability coverage is a standard offering in most landlord insurance policies. It helps pay for your expenses if you’re found legally responsible after someone is injured on your property or if you are required to pay for damage done to someone else’s property.

Unpaid Rent can be covered with landlord insurance

Contents – But what is contents in my rental property?

Rental loss can happen for all types of reasons- these aren’t always the fault of the tenant.

Contents in your property for example are: Carpets, curtains, light fittings and any furniture that has been left for the tenants use.

Landlord Insurance – Property damage

With landlord insurance you can have: Loss of rent - can cover you for lost rental income should the insurer deem your property to be uninhabitable, and your

The tenant will need to ensure their own contents is covered with their own policy.

Getting the correct insurance for your rental property is a must!

and hasn’t taken your circumstances into account. It’s important to consider deciding what’s right for you. Although the information is from sources considered accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under do not accept any liability (whether under contract, tort or otherwise) for any any other person.

Nicole Nelson GENERAL INSURANCE Belmont Insurance Centre 419387012 nicole@belmontinsurance.com.au AUGUST 2021 | FIND GEELONG

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You Have A Face For Video! Smile!

VIDEO CONSULTANT

By Zoë Wood

Getting in front of that camera lens is one of the most terrifying things any of us could possibly do in this day and age. Seeing how the world views you through a camera lens can be quite confronting if you don’t film and watch yourself often. If everyone feels this, then why do so many people, businesses, and charities put faces on everything they touch? What makes putting a face to their story keep your eyes glued to the screen better than anything else?

Turns out humans like faces. We are always looking out for them without even trying. We even see human face-shaped patterns in sink taps, rocks, and burnt toast in a phenomenon known as Pareidolia1. So when you put a moving face in a video it grabs our attention and results in people engaging with your video for longer and over others with no motion or faces.

When you start using video in your communication with customers, staff, and strangers. You virtually meet over 100,000 times more people than you ever could in a lifetime using the power of the internet. Putting a human face to your cause and stories that motivate you to serve are what make them real to people and something that they want to connect with and fight for. All of that with the power of your face!

You may be saying: This may be all well and good Zoë but my face is too this or too that. You may not feel ready, you may not feel like you could ever do it, but the fact is that if you believe in who you are serving. You believe in why you are serving them. You can push past any unfounded fears, any stresses of not being enough, or not being a pretty face because you are not creating videos for yourself. You are creating them for your customers, clients, viewers, and people who need to understand your message and who need your help.

Reach out to the Video Confidence Coach on YouTube, Instagram, Facebook, and LinkedIn to have a complimentary 30-minute focused call. Using your face and your story can only help you and your organisation serve more people.

Zoë Wood VIDEO CONSULTANT 0430 473 204 zoe@vcc.training

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From Surviving To Thriving In An Age Of Lockdowns Let’s break down how it works.

1. Customers use the distributor’s commerce webpage to browse, purchase and pay for an item.

2. The distributor then acknowledges payment and proceeds to pick, pack and place the order in a dispatch location for customer pickup in a timely manner.

3. Customer is then notified that their order is ready for pickup and travels to the pickup location and receives the goods.

WEB DEVELOPER

By Adam Sims

Since “two weeks to flatten the curve” has become many months of rolling lockdowns and compounded by uncertainty around if bureaucrats will lose their powers to impose lockdowns or not, many small businesses have important decisions to make.

For those who have been brave enough to take up the challenge of surviving in this new and rapidly changing world and want their businesses to continue to survive long enough to provide for themselves, communities and the families, rolling with the punches thrown by our goliath of a state bureaucracy is a must. This article includes a handful of tips and tricks to help leaders and decision makers amend their operations and use their webpage to do just that.

Click and collect If you have purchased something from a large distributor or retailer during lockdown, you would have come across the option to purchase via “click and collect”.

Despite appearances, “Click and collect” is not a new approach invented during lockdown; many businesses have been providing this service for some time and was formerly known as “in-store pickup” or “local pickup”. That said, this practice’s prominence has certainly grown and is now top of mind and sought after by many buyers as a consequence of the restrictive circumstances we find ourselves in.

There are a range of online collaboration tools, some of which have no monetary cost, such as the Google Apps Suite, which provides instant messaging, spreadsheets, word processing, and more with the added benefit of allowing more than one user to edit them, while being able to observe each other’s changes in real time.

It’s never been easier to collaborate online, so with a little know how and patience, businesses can take advantage of these tools.

Contactless delivery

The biggest challenge businesses face when implementing a virtual office is the loss of being able to engineer and design a productive working environment.

This responsibility is deferred to staff and depends on how conducive their at home working space is to being productive. As tempting as it is to dive into this subject here in this article, I wouldn’t be able to give it justice in the small amount of remaining space, so stay tuned and we may cover this topic in future articles.

As the name suggests “contactless delivery” is an order to fulfillment process that allows businesses and customers to trade without making in-person contact with each other. This gives anxious customers assurance that they won’t come in face to face contact with a person that may make them ill.

In closing, I hope you found this article helpful and demystifies some of the buzzwords floating around at the moment.

Wish you best of luck and looking forward to seeing your business go from surviving to thriving on the other side of the next lockdown.

4. The purchase is now fulfilled and the click and collect workflow is complete.

If you run a product based or remote service business, there is really no reason you shouldn’t be taking steps to implement Click and Collect as one of your businesses standard workflows today

You may have guessed already that for most businesses “contactless delivery” is very similar to “Click and collect” with the addition of assuring that the customer doesn’t make in-person contact with staff or other customers.

This can be achieved by having a pickup location that may or may not be monitored by camera, where the customer can come alone, one at a time, to pick up the goods.

Again, nothing overly complex here. This process is accessible to any business that may have customers who would see this as a benefit.

Virtual Office This is a fancy term for working remotely and contacting staff and customers via the telephone or tools available through the internet.

Adam Sims WEB DEVELOPER

aWebpage 1300 667 141

www.awebpage.com.au/#services

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How Do I Start Helping My Employees Save $$$?

SALARY PACKAGING SERVICES

By Dan Nicholls

Last month we explored which businesses can offer salary packaging to their employees and detailed some of the key reasons why business owners shouldn’t ignore this opportunity. Remember itdoesn’t matter when you start, the door is open all year round! The benefits have been explored in some of my previous articles and will continue be themes for the future.

Once a business makes the decision to offer salary packaging the next step is then to work out how to do it. The simple answer is to contact us! We will explain the typical steps involved and provide the structure required for any business to be able to roll this out and help their staff to start enjoying saving tax and improving their incomes. Do not forget that this service is free to the business, the fees are paid by the employees from their pre-tax income.

We encourage business owners (or employees for that matter as they can often be the driving force to improve their benefits) to pick up the phone and talk to us at the earliest opportunity but in reality it can be at the beginning, middle

or end of the plan for a business. Most businesses want to ensure they can begin salary packaging as soon as possible and we can work in partnership to ensure everything is in place.

A Typical Journey:• • •

• • •

• •

Engage with the specialists – make contact with The Salary Packaging People Business FBT tax status confirmed Assessment of business structure – Numbers of employees/location/ contract terms (Full time, part time, casual) Determine eligibility – Which employees will be allowed to package Salary Packaging Policy – Provided or updated Programme launch * Information sessions * 1:1 meetings with employees * Integration with payroll Deductions start Employees save $$$

This is a typical example of how to approach establishing a salary packaging programme. Rest assured we will guide you through each of these steps and ensure everything is right at every step for the organisation and the workforce.

There are no set rules around this and our experience allows us to design a journey

which is right for each business, tailored for the particular circumstances that exist.

We look forward to helping all Geelong businesses to save their employees tax.

KEY TAKEAWAY We offer a fully outsourced service so we will design, implement and administer a salary packaging programme to work successfully for a business and it’s employees. We look forward to hearing from you

If you have any questions relating to this or any other aspect of salary packaging please do not hesitate to contact us on 03 5229 4200.

Dan Nicholls SALARY PACKAGING SERVICES Salary Packaging People 0400 479 998 dan@salarypackagingpeople.com.au

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Our Focus Shapes Our Thoughts, Emotions And Actions!

Where Is Your Focus?

Are you aware of your focus?

Just think about it this way. When we want to search a topic, we type a key word or two into google. Google then provides us with all relevant information about that topic. Those key words are the same as our focus. What we focus on, surrounds us, to the exclusion of everything else. It is what we see, hear, feel, and tell ourselves, and influences what happens next – our actions and responses.

What do you spend most of your time thinking about, talking about, and doing?

Did you know we can choose what our predominant focus is?

There are some people that are tuned into their thoughts and can reflect on where their focus is and has been. But, for most of us we don’t stop for long enough to notice what our predominant thoughts are, let alone reflect on them. We tend to just live our lives day by day without really taking a moment to check in with ourselves. When we live like we are on autopilot, we are not as tuned in to what is really happening in our lives, and we often don’t take the time to evaluate if we are getting the results we want.

We can focus on positive things or negative things. We can see ourselves as creating our reality or being the victim of it. We can make resourceful decisions or unresourceful decisions. We can believe we have choice or that we have no choice. We can view our world as abundant or small.

LIFE COACH & COUNSELLOR

By Lou Lugsdin

Our focus determines what we think, how we feel and what happens on a day-today basis.

What we focus on in our lives determines our happiness, our results, our success, the quality of our relationships and the amount of fulfilment we will experience.

So, our focus is important!

We can have fulfilling relationships or dramatic ones. We can view our life as rewarding, interesting and positive or see it as dull, unstimulating, and negative.

The quality of our thoughts, that is what we choose to focus on and spend time thinking about, determines the quality of our life. Good quality, positive, and proactive thoughts encourage good quality, positive and proactive results.

Similarly, poor quality, negative and unresourceful thoughts encourage poor quality, negative and un-resourceful results.

If you were able to verbalise your current focus, what key words would you use?

If you were to draw a picture that displayed your focus, what would your picture be of?

If you had a flashlight shining on your focus, what would you see?

The good news is – we can change our focus at any time – if we need to.

So, what does the word FOCUS mean you may ask?

Our focus is what we take notice of and concentrate on. It’s what we think about, tell ourselves, perceive, and believe to be true. It is what consumes our thinking.

It also includes our beliefs, values, experiences, attitudes, and experiences.

Lou Lugsdin MyY Life Coach and Counsellor 0408370757 info@my-y.com.au AUGUST 2021 | FIND GEELONG

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How To Stand Out In A Crowd

BUSINESS COACH

By Deb Fribbins

”Retail is tough right now!” We can’t change the current status of the world, but we can change the way we deal with it and how we continue to grow and thrive through the tough times.

Take a step back and spend an hour or two a day, or close the shop for one day or a week and spend the time relaunching. Every time you close your doors whether by choice or to conform, come back with a point of difference both in the store and online that will drive traffic to you. This will create an interest in your business as your clientele will want to know what is next. This is not hard to do with a little planning in the time out.

There are 5 key areas of your business that you need to work ON. The 5C’s will support you with a clear direction to your end goals.

• • • • •

Consumer Competitor Creativity Campaigns Course

CONSUMER: The consumer is always Number 1 Understand your consumers and their needs. What changes do you need to make, if any, to your range offer, to meet the demands in today’s climate?

COMPETITORS:

COURSE:

What are your competitors doing differently? You do not want to be a “me too”. To stand out to your customers and attract new clientele, what can you do to make their life easier, so they want to come to you? If any of your competitors have closed their doors, examine why.

What did they do, or not do to lose their customers, and how can you attract these customers to you?

The course of action you now take will fall into place as you focus on the key points identified. Tie together, the offer itself, with your advertising, marketing, instore presentation, online presentation.

Being creative in the presentation, will enable you to address their needs not rely on price. Highlight your point of difference that makes you stand out in the crowd to service their needs.

CREATIVITY:

Following the 5C’s format each time becomes quicker as you start to tweak any changes you note and focus on each opportunity of your consumers needs you can service with different product offers that make you stand out in the crowd.

Knowing your consumer’s needs, and the environment around you, how creative can you be to create an interest that will draw customers to your store or web site. What services can add value to your consumer without adding cost to you? How can you improve their lifestyle? What are the differentiators in your business that make you stand out? It may be in your Presentation, Marketing, Advertising, Exclusivity, Range Expansion, Technology, Support Services? There are so many options to explore. Create, theatre, excitement, and a call to action in all you do.

CAMPAIGNS: Create an advertising and / or marketing campaign to promote your new initiatives. Check for key dates. Being very targeted with the customers you are aiming for and their physical and emotional needs you are addressing.

Deb Fribbins Developing Excellence in Business 400 524 451 deb@debconsulting.com.au

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Increase in the Demand for Fixed Interest Rates

FINANCE BROKER

By Allan Houliston

Recent finance industry analysis has shown that more borrowers are taking advantage of the record low interest rates and securing fixed rates products and that these numbers are trending upwards when compared to the same time last year.

This demand has potentially climbed over recent months as some lenders have been increasing their fixed rates due to higher funding costs for longerdated loans and the need to manage pricing changes sustainably. This in turn has caused a ripple effect in the market, where borrowers fear that they may have ‘missed the boat’ in regards to locking in their ideal rate but are still searching the market in order to lock in the next best thing.

The Reserve Bank of Australia has insisted that it won’t raise interest rates until at least 2024 which bodes well for the Australian property market in general.

However, several of Australia’s top economists are tipping that the RBA will lift the cash rate in the March quarter of 2023, despite of a predicted slowing in the housing market in 2022. Economists at CBA have even predicted that this first rate rise in the official cash rate will take place as early as November 2022. The RBA have however stated that prior to any future rate rises, that the bank will need to achieve its full employment and inflation objectives first.

Another reason which could account for the significant rise in fixed rate home loans is due to the Covid-19 pandemic, which unfortunately has been part of the Australian way of life since early 2020. In times of uncertainty, consumers look to things that they can control and that give them certainty. By securing a competitive interest rate on their largest household expense, it can give borrowers peace of mind for a specific period of time.

When considering a fixed rate product, it’s worth considering the following factors. Lenders fixed interest rates will potentially differ for owner-occupied products verse investment loan products.

Several lenders will also price their fixed rate products based on risk, e.g., a loan that represents 60% of the property value could attract a lower interest rate than a loan that represents 80% of the property value. Lastly some lenders may be particularly competitive over a specific fixed term but not so competitive over other fixed terms, e.g., market leading for their 3-year fixed term but average for their 4-year fixed term home loan.

It therefore pays to speak to a broker who can offer a suitable product from a ‘whole of market’ perspective. It is also advisable to speak to your current lender first to see what they can offer, and the costs associated with changing products.

There are always costs associated with moving your borrowing to a new lende

r but in the current competitive market, several lenders are offering cashback incentives post settlement ranging between $1500-$4000, which can assist in covering part or all of these costs.

Borrowers can still secure a 3-year fixed rate home loan under 2% and there are 4 year-fixed rate home loans in the current market starting at 2.14%. Even if you decide to stay on the same deal and with the same lender, my advice is that you review your lending at least every three years. This will ensure that the rate and product that you have is still competitive and the most suitable for you based on your personal circumstances and the current market conditions at that time.

Allan Houliston Aisling Financial Finance Broker 405 140 003 allanh@aislingfinancial.com.au

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Installing A Shed Roller Door GARAGE DOORS

By Chantal Djuric

There is much advice on the internet on how to install your own shed roller door. If you are thinking of installing one yourself, read on.

This is a summary of what we do at Cruzin. We begin by measuring the width of the roller door against where it will be installed as the roller door curtain needs to be 100 mm wider than the opening.

There has to be enough room on the side and the correct space between the wall bracket and the edge of the door curtain. After measuring accurately where the brackets will be fixed, we attach them with the appropriate equipment, depending on whether they are being fixed to brick, masonry, concrete or steel sheeting. This is not a job for the shed owner as working at heights is an OH&S issue that we take seriously.

Is the chain operator a planetary geared one, a direct drive one or an electric one? Each one has specific instructions on how to be attached. This is fiddly and fraught with the potential to make mistakes. Only a trained garage door specialist will have the requisite expertise to assemble and attach it properly.

Now we lift the roller door onto the brackets and loosely secure the axle to them. We never use the wall brackets to mount the door lifting gear as they are only

designed to support the door.

Remember, roller doors can weigh up to 200 kg, around twice the weight of most adult males.

The door is now centred within the opening with the same amount of curtain overlap on each side. If the operator is an electric one, we position it as required at the same time.

We remove strapping and packaging material, without cutting the centre nylon strap, and move the door to the rear of the bracket slots, turning the axle so the door is relaxed on the axle with the bottom rail at the bottom of the curtain.

Without letting go of the curtain, we now cut the centre strap. Holding the centre of the bottom rail, we open and close the curtain to ensure it is correctly aligned on the roll before fitting the guide tracks.

As you can see, attaching the door precisely with the correct amount of tension is a tricky process that should be done by an expert.

Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners.

With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.

With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through.

The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it!

If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury.

Our advice is – leave it to the experts!

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au

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SMSF Trustees Need to Prepare for the Retirement Income Covenant (RIC) In other words, the investment strategy will need to show that the investments will indeed benefit the members and compared to other options, it was a suitable one at that. It will also need to be reviewed annually.

FINANCIAL PLANNER

By Mark Kruger

The Retirement Income Convent is set to come into force on 1 July 2022, and this will apply to all superannuation funds including Self-Managed Super Funds.

The retirement income covenant (RIC) proposed by the federal government in 2018, that was meant to be in force in 2020, and now looks to come into effect on 1 st July 2022, will require all superannuation funds, including SMSFs, to have a documented strategy to identify the retirement income needs of fund members and provide a plan to service those needs.

It is likely to lead to a greater variety of products being made available after the covenant comes into play. Dr Deborah Ralston, who sat on the Retirement Income Review, said: “I can see in a decade how superannuation funds will have a portfolio of products sitting on their platforms for retirees to help them through that phase of life.”

When the position paper was first released, the Digital Economic Minister, Jane Hume, said: “The introduction of the retirement income covenant is an important step in encouraging the further development of the retirement phase of superannuation.”

However, it is our belief that many products will come and go, and retirees will find it hard to move away from the products they are so familiar with e.g. allocated pensions with access to a variety of investment options, and lifetime income streams or annuities providing a guaranteed income stream.

“The covenant will codify the requirements and obligations for superannuation trustees to improve retirement outcomes for individuals, while enabling choice and competition in the retirement phase.”

Sally Evans, director at Allianz Retire Plus, when discussing the proposal, said: “The covenant is essential because our industry is so heavily weighted to the accumulation phase of retirement.

A covenant will help us focus on the purpose of superannuation and what is the right way for individuals to smooth their income to last a lifetime”.

Currently, retirees are unwilling to draw down their capital in retirement for fear of running out of money. Allianz Retire Plus surveyed many retirees, and 61% were fearful of running out of money more than they were worried about dying.

“People don’t know how long they will live, how long they will work or what their health status will be. Those uncertainties play out in fear and a lack of confidence.

That creates an enormous challenge for people to overcome,” said Evans.

A key finding of the Retirement Income Review, which has led to the RIC, is that they believe it is possible for retirees to increase their standard of living by better utilising their assets in retirement.

What we are sure of is the additional cost this will place on SMSF Trustees, who will be required to provide an Investment Strategy that meets these new requirements related to the RIC. The paper states: “Trustees are required to formulate, review regularly, and give effect to a retirement income strategy for the retired members of their fund, and the members of their fund approaching retirement. The strategy can be formulated for all members in generality, or cohorts of members in generality, as identified by the trustee.”

Already we have seen auditors requesting more details regarding the investment strategy. Given most accountants cannot develop an investment strategy, trustees have had to engage financial planners to prepare the investment strategy which has placed increased costs on the SMSF members.

When the RIC comes into play, auditors will be scrutinizing the investment strategy even more to make sure it meets the RIC requirements. Our opinion is that modelling will have to form the basis of each investment strategy so that trustees can demonstrate how the investments will give effect to member’s retirement.

Interestingly, according to the paper, the development of the retirement income strategy would not fall under the provision of giving financial advice to members. The paper states that “the retirement income strategy expresses the broad actions the trustee will take to assist their members to balance key retirement income objectives and does not consider the specific circumstances of individual members.”

However, given the retirement income strategy will need to take into consideration the members’ balance, future goals, risk profile, age or retirement and so on, it is more likely the development of the RIC will require input from financial planners.

The paper is open for consultation until 6 August and further consultation on exposure draft legislation will take place later this year.

Subject to the passage of legislation, the covenant will commence from 1 July 2022.

All in all, SMSF trustees can expect the ongoing costs of managing a SMSF to rise.

This article provides general information only. It does not consider your objectives, financial situation or needs. You should consider seeking independent legal, financial, taxation or other advice to check how this information relates to your unique circumstances. MoneyRocket is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by this article.

Mark Kruger FINANCIAL PLANNER Money Rocket 0429 446 229

mark@moneyrocketadvice.com.au www.moneyrocket.com.au AUGUST 2021 | FIND GEELONG

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An Introduction To Our 3rd Generation Family Business EMBROIDERY SPECIALIST

By Kerry Kaspi

Back in 1985 my parents, Adrian & Jan Summers, holidayed in sunny Queensland when they spotted an embroidery machine for sale. Always being in business they had an eye for new opportunities and this time was no exception. They ended up coming home with the single head embroidery machine.

Setting up a store in the newly opened Market Square with the single header, it was the first to be seen in the region.

People would stand at the window to watch it sew out various designs and names all day long. They just loved watching this machine works its magic all the way to the finished product.

Fast forward 10 years and we have large quantities of work from some of Australia’s largest workwear companies such as Can’t Tear‘em and Hard Yakka.

From the one single-head machine we worked our way up to five eight-head machines with 22 staff and worked like this for another 15 years. During this time I acquired the business from my parents.

The machines back then were nowhere near as advanced as today, over the years we had to move with the everexpanding technology available in this

business and as the large workwear companies moved overseas to a more cost-efficient country to operate in, we lost 85% of our income and had to scale down immensely leaving us to struggle to keep busy.

After working hard on improving our marketing and hiring reps to go out on the road to bring in business from all over we slowly began to build the company to what it is today. By showing customers how important experience is in this business we were able to bring in new customers from various walks of life who could see our expertise in operating for so long, they loved their final product and we built our business again, from this stand point.

In the last 10 years both my children have started working here with my youngest, Julian, expressing great interest in learning the ropes. During this short time, he has added great value to the business showing what fresh eyes can do to change things for the better. Now we are on a steady path to growing bigger and expanding our team constantly.

The road in business has been both challenging and exciting, I’ve been surprised by people and proud of people.

But one of the things I’ve been most proud of is accepting all the challenges that has been thrown at us, never giving up, knowing who and what we have become and being strong in the belief that we can get through any challenging times.

But in the end nothing would make me prouder than to continue this business to the 4th or 5th generation.

“From small startup clothing brands to companies as big as Cotton On and Yakka we’ve worked with them all and helped add value to products for over 35 years.”

Kerry Kaspi Branded Apparel & Marketing Geelong Industrial Monogramming 0412 670 310 Kerry@gim.net.au www.gim.net.au

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AUGUST 2021 | FIND GEELONG

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Tips For Insuring A Shopfront Well Covered (Steadfast)

When you’re ready to push your home business from the nest and into a shopfront, it’s an exciting time. It can also expose you to a whole new world of risk that could cripple your fledgling business before it can soar.

Running a business from home is one thing, but taking the leap to a shopfront is altogether another. Fortunately, as millions before you have proven, it can be done.

But not only does it require planning, budgeting and a solid understanding of the risks you’ll face, it also requires you to take out the right insurance, says John Clark, Steadfast’s Broker Support Manager.

“If you have a computer that has your records on it and they’re not backed up properly, then you’re risking interruption to your ‘from home’ business that you can’t easily deal with” 1. Theft First cab off the rank is ensuring you have adequate security measures in place to protect the equipment, stock and cash within your new premises.

Depending on what’s most suitable for your business, that could include a safe, bars on windows, a security guard or advanced alarm systems.

It’s also worth considering insurance against theft and property damage.

“What happens in most burglaries is that, not only do they come in and take stuff, but they damage things” Clark says.

2. Fire No one wants to see their dreams go up in smoke.

Not only do you need to identify fire risks within your business, such as electric radiators, but you should install fire extinguishers and smoke alarms.

Speak to an experienced broker about appropriate insurance and backup all your business documents and files offsite.

If you have a computer that has your records on it and they’re not backed up properly, then you’re risking interruption to your ‘from home’ business that you can’t easily deal with” says Clark.

3. Public liability Let’s say someone strolls into your store and trips over something you’ve accidentally left on the floor, injuring themselves badly in the process.

“She’s on a big income so she sues you for $200,000. What do you do then? You’d need Public Liability insurance” says Clark. “All those exposures should be fleshed out when you talk to a broker, and an appropriate insurance solution found.

4. Business interruption insurance Whether it’s a roof-raising storm, a wallshattering earthquake or a car through your shop window, it’s important to help protect your business against things that can suddenly and unpredictably bring your income stream to a halt.

“If you’re an owner/operator or a single tradie, how would you pay your expenses – the rent, the wages, the electricity – without an income?” he asks. “That’s why you need Business Interruption Insurance.

5. Ask an expert While you can always take steps to mitigate against worst case scenarios, the fundamental risk mitigation strategy is to have an expert review your insurance and ensure it is appropriate.

“That helps transfer the risk from you to the insurance company” Clark says “and underscores the importance of seeking the advice of an experienced broker Important notice – Steadfast Group Limited ABN 98 073 659 677 and Steadfast Network Brokers This article provides information rather than financial product or other advice.

The content of this article, including any information contained in it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.

Information is current as at the date the article is written as specified within it but is subject to change. Steadfast Group Ltd and Steadfast Network Brokers make no representation as to the accuracy or completeness of the information. Various third parties have contributed to the production of this content. All information is subject to copyright and may not be reproduced without the prior written consent of Steadfast Group Limited.

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2021 TA Super contribution age limits to change Members of regulated superannuation funds now have no restrictions for making voluntary contributions prior to reaching 67 years of age.

nnouncement(17-Apr-2019)

The new legislation also extends the ability for members to make bring forward contributions, making more individuals eligible to make 3 years' worth of contributions.

Consultation(3-Apr-2020) Introduced(13-May2020) Passed(17-Jun-2021) Royal Assent(23-Jun-2021)

The legislative and regulatory changes only relate to voluntary contributions, as employer contributions

Date of effect(1-Jul-2020)

have different rules relating to individuals over the age of 65.

FBT exemption for retraining and reskilling An exemption from fringe benefits tax has been proposed for when an employer provides an employee with retraining or reskilling opportunities at or prior to redundancy.

This new law takes effect from 2 October 2020, and is now law.

Announcement(6-Oct-2020) Consultation(29-Apr-2021) Introduced(26-May2021) Passed(24-Jun-2021)

These measures may provide a tax incentive for employees to change careers, in particular if they are

Royal Assent(29-Jun-2021)

about to be made redundant. For employers, it is an opportunity to provide a group of employees with

Date of effect(2-Oct-2020)

training opportunities in situations where part of the business is due to close down in coming years.

Low and middle income tax offset The low and middle income tax offset (LMITO) was introduced in the 2018 federal budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents.

Originally due to run over 4 years, in the 2020 federal budget phase 2 of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of 30 June 2021.

Announcement(8-May-2018)

In the 2021 federal budget it was announced that LMITO would be extended to the 2021-22 income year.

Consultation(11-May-2021)

Legislation to enact this change has been passed by both houses of parliament and will become law in

Introduced(26-May-2021)

the very near future.

Passed(25-Jun-2021) Royal Assent(29-Jun-2021)

The LMITO will provide an additional offset of up to $255 for individuals on a taxable income of $37,000 or

Date of effect(1-Jul-2021)

less. Taxpayers up to $48,000 will get an increased LMITO up to the maximum amount of $1,080.

The maximum LMITO is available for Australian residents on incomes up to $90,000 and will tapers off to $0 for individuals with a taxable income of $126,000.

Granny flat arrangements set for CGT exemption A "targeted" capital gains tax exemption relating to granny flat arrangements has passed through parliament and will become law.

The intention of the new legislation is to remove financial impediments when a granny flat arrangement is legally created. A formal arrangement would generally trigger CGT event D1, which often leads to informal

Announcement(6-Oct-2020) Consultation(29-Apr-2021) Introduced(26-May-221)

arrangements. As family is usually involved, often it is these informal arrangements which can inevitably

Passed(25-Jun-2021)

lead to financial and elder abuse.

Royal Assent(29-Jun-2021)

The CGT exemption will have effect from 1 July 2021 after receiving royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Unpaid present entitlements and extension of repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan.

30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year.

Announcement(19-Jul-2017) Consultation period(19-Jul-2017) Released(19-Jul-2017)

The PCG has recently been updated to relate to arrangements ending in the 2017, 2018, 2019, 2020 or 2021 income years.

Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009-10 income year.

Business support grant for 2021 greater Sydney lockdown An economic stimulus payment is due to be made for businesses under $50 million in annual turnover amidst the June-July 2021 greater Sydney COVID lockdown. The new business support payment will be available for businesses who can demonstrate a 30 per cent decline in turnover. It is understood that the support payment will be made through the ATO running balance account. An eligible entity, including not-for-profit entities, will receive payments of between $1,500 and $10,000 per week based on the level of their payroll. Non-employing sole traders will receive $1,000 per week. To receive the payment, an eligible

Announced: 13-Jul-2021 Updated: 14-Jul-2021

entity will be required to maintain their number of employees held as at 13 July 2021. These temporary cash flow boosts are available where a business has been locked down by public health order for at least three weeks. The business is required to be based inside a Commonwealth Government declared hotspot.

COVID-19 Disaster Payment increased for extended lockdown Changes to the support payment for individuals who are unable to work during a COVID-19 lockdown were announced by the federal government on 13 July 2021.

The COVID-19 Disaster Payment was initially a payment of $325-500 a week for people who reside or work in a Commonwealth declared hotspot, depending on the hours of work a week lost by a person.

The enhanced support sees the payment rate increase to $375-600 for eligible periods due to a Commonwealth declared hotspot.

The announcement also extends the availability of the payment to:

Announced: 3-Jun-2021 Updated: 21-Jul-2021

​impacted individuals who are still working at reduced hours, and individuals outside Commonwealth declared hotspots in NSW, provided they meet the updated criteria for the payment.

Like other support payments, it will be available through Services Australia. Further details on the payment and key eligibility dates can be accessed on the Services Australia website.

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SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Not-For-Profit of the Month

Phillipa Challis OAM

The Geelong Region Cancerians was formed in response to the desire of our Founder Phillipa Challis OAM to give back to the community after becoming a uterine cancer survivor in 2017.

Her aim to raise awareness of cancer detection while raising funds that support research for uterine and all other cancers became the vision of the Geelong Region Cancerians. Her aim also included the education and dissemination of information about the warning signs of uterine cancer.

Each year about 2700 Australian women are diagnosed with uterine cancer, also known as cancer of the womb. The majority of these women are over 50. In Australia it is the fifth most common cancer diagnosed in women and also the most commonly diagnosed gynecological cancer. One in 60 women is likely to be diagnosed with uterine cancer by the age of 75. The five-year survival rate for uterine cancer is 83%.

The Geelong Region Cancerians was launched in April 2018. The small devoted committee organised a selection of fundraising events during 2018 and 2019 which resulted in donations totalling $33,000 to the Australian Cancer Research Foundation (ACRF). Under difficult circumstances during 2020 caused by the COVID19 Pandemic restrictions $16,000 was added, bringing the total $49,000.

The ACRF, a registered charity with the Australian Charities and Not-for-profits Commission, was selected as the organisation that would receive the results of our fundraising efforts. It is the only charity in Australia dedicated to ending all forms of cancer by exclusively funding cutting-edge technologies, state-of-theart equipment and facilities that researchers and clinical teams need to fast-track discoveries and new treatments.

Geelong Region Cancerians in partnership with Geelong Regional Library Corporation are pleased to present a discussion panel themed “Strength and Positivity when Facing Cancer” at an information evening on Monday 6 September 2021. An inspiring panel of speakers will share their personal experience and expertise when facing cancer. The event is to be held at the Geelong Library & Heritage Centre, free to all however bookings are essential due to space limitations. Book online at https://events.grlc.vic.gov.au/ event/5420545 We invite all to go to www.geelongregioncancerians.com.au and register your support to share our vision in the knowledge that the achievements of the Geelong Region Cancerians will be immeasurable for those in Geelong and the wider community having to deal with uterine and all other cancers.

The Geelong Region Cancerians committee welcome enquiries from people interested in joining and become involved and contribute to our aims of educating and fund raising towards cures.

Working Together We Can Help Beat Cancer.

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Managing Screen Time The overuse of phones, gaming, iPads, computers and televisions is an increasing problem for many children and adults.

I recently watched ‘The Social Dilemma’, a documentary/film which depicts some of the issues surrounding social networking and the methodology behind the various mediums. It reveals some of the dangers and influence these networks have and how much they know about us.

A number of parents have shared with me the difficulties in getting children off their devices, the addictive nature of many of the games (they’re designed that way) and the conflict that often ensues when managing it all.

Here’s a few suggestions that may help in dealing with this difficult area. The suggestions may need modifying depending on children’s ages, differences and your family situations. Some serious planning and thought may be necessary to overcome bad habits.

• • • • • • •

• • • •

Try and stay as positive and controlled as possible throughout the process, without condemning the use of these devices Limits need to be put in place for children eg. a set time for after school and non-school days It is empowering for children to be involved in the decision making process – have an open discussion, asking what they think is appropriate, try their suggestions as an experiment A chart keeping a record of right behaviour with their devices culminating in a small prize can be a very helpful incentive Devices should be out of bounds at bed time – encourage other activities – see below It’s often helpful to give children a few minutes warning, preparing them for the end of a time limit Try and stay as connected as possible with your child’s games and activities, play the game with them sometimes – encourage them to use their devices in the family area as opposed to alone in their room Our modelling as parents/carers of how we behave around our devices is more powerful than we might realise – are we setting a good example with phones, games, TV etc?

Alternative activities may be the best strategy eg playing a board or card game with your child or as a family, develop a family project, go for trips, outings, begin a family night etc.

Eat dinner together as a family around the table with the TV off, phones away – try and develop this as a time when each person shares something about their day Ultimately and as a last resort, if devices aren’t used appropriately, they should be taken away from children for a set time – an achievable well thought through consequence

Good luck with this. I firmly believe it’s worth the effort to manage these things. Don’t forget, you’re the parent and you may need to be unpopular for a time to ensure your child is safe and well.

Kindest regards, Rob. Chaplain LPS. Robert.Hunter@education.vic.gov.au

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Warm your heart by helping our fuzzies.

Donate today! gaws.org.au/warmandfuzzies

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Transition Mentor for EdConnect Do you remember the time in your life when you started high school? Moving from one school to another can be a really daunting time for young people. Would you like to mentor a student through this transition? If so, read on – you can join EdConnect Australia as we look to Mentor students in the Geelong region during this important time.

EdConnect Australia is recruiting and training volunteer Mentors who can give long-term to support students as they transition through their middle years of education, be this a transition to different schools (primary-secondary) or to different campus’s in a multi-campus school setting. It can be one of the most vulnerable times in a student’s life and we wish to provide someone to “be there” to ease the path forward for Geelong students, providing strong social and educational support.

You need to be able to; - -

Provide one on one, one hour a week social and emotional support to a student until at least September 2022 Build a trusting relationship with the student, helping them to build confidence, self-esteem and resilience.

EdConnect has supported volunteers who are keen to develop positive intergenerational relationships with students in school settings for over 20 years. EdConnect also takes on volunteers who offer one-on-one mentoring to students in need of assistance in the classroom with subjects such as numeracy, reading, science or help around the school in garden projects, breakfast club, gardening, library and much more.

Through the generous support of Give Where You Live and their Pitch Up programme, and key supporters The Anthony Costa Foundation and GForce Employment Solutions and the Erdi Foundation EdConnect is introducing Transition Mentors to support local students. We encourage anyone with a passion for supporting young people and the desire to make a positive impact in a student’s life to email edconnect@edconnect.org.au to find out more information or to start your application.

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Victoria State Emergency Service Victoria State Emergency Service (VICSES) is the control agency for flood, storm, tsunami and earthquake in Victoria, managing responses to these emergencies and helping communities to prepare through planning and education. VICSES also operates the largest road crash rescue response network in the state and also provides a support role to other emergency service agencies.

VICSES Bellarine Unit The VICSES Bellarine Unit is one of 24 units located in the South West region and is made up entirely of volunteers. It is supported by professional staff both from state headquarters and the South West regional office. The units LHQ (local headquarters) is located on Grubb Road on the outskirts of Drysdale and its members reside in all corners of the peninsula.

The response area for the unit covers the entire Bellarine Peninsula and includes the towns of Clifton Springs, Curlewis, Drysdale, Indented Head, Leopold, Ocean Grove, Point Lonsdale, Portarlington, Queenscliff, St Leonards, Wallington and all areas in between.

In addition, our members may be deployed to other regions of the state to assist with large-scale operations such as major storms, floods or fires. We have even had members from our unit deployed across Australia to assist our interstate counterparts.

VICSES Bellarine Unit typically receives over 200 requests for assistance each year and we rely upon local volunteers to help in both operational and support roles.

Volunteers from VICSES Bellarine Unit come from all walks of life, all backgrounds and all professions. In fact, the main thing we have in common is a desire to make a contribution within our community.

“Each year we normally hold a tin rattle to raise much needed funds, however as with many other activities, we have been unable to do so, and don’t expect we will be able to in the near future. We have a number of Unit Vehicles that are due for replacement in the short term, and need to start planning for it now to ensure we have the necessary monies to be able to do so.

Given that we have been unable to have our annual tin rattle during these times, we are looking for support in a different way.

We have partnered with a Not-for-Profit organization that specializes in assisting organizations like ours with online donations.

The Unit would be humbled for any support that the community that we live in would be able to give us, so that we can be there for you, in your time of need.

Please head over to our Give Now page, and donate to a cause that directly supports your local community. All donations over $2 are Tax Deductible”.

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AUGUST 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

FREE RENTAL LISTINGS ADVERTISING

Email your Rental Listings to Find Geelong each week and we will update your Listing in the online community paper for FREE.

If you have any questions, contact Warren on 1300 88 38 30 or email to: editor@findgeelong.com.au

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Plan targets net zero emissions by 2035 A municipal-wide target of zero net emissions by 2035 is a key feature of the City’s Draft Climate Change Response Plan.

With a total of 80 actions, the draft plan is a roadmap for collaborative action, outlining how the Council can support an empowered community response.

The draft plan, which will guide the City’s corporate response and the community’s response to climate change issues and impacts, was endorsed for release by Council last night.

Councillor Belinda Moloney, Chair of the Climate Change Action portfolio, said climate change threatens every aspect of our lives.

The key target is supported by an action plan that addresses priority areas of community support, energy, transport, waste and climate resilience.

It lists a number of principles that would see the region become a zero- emission, climate ready city, including: •

A coordinated and collective response from the whole community;

•

Supporting an empowered active community;

•

Increasing energy efficiency and renewable energy production; and

•

Switching to sustainable transport and cleaner fuels.

and

“After heavy campaigning by constituents and protests around the world, I am glad that Council is taking action on what is a dire emergency situation of life-or-death consequences,” Cr Moloney said.

“Sustainable caretaking of our environment must be placed at the forefront of our decision-making, not because it is on trend or winning votes.

“Council and councillors have a duty of care to educate ourselves and our community as to how to correct our actions and do our part to avoid widescale catastrophic climate-related events.”

The draft plan notes the City successfully exceeded its last corporate emission reduction target of 50 per cent by 2020 and was well placed to assist community efforts.

Emissions have been falling for the past five years, following investments in renewable energy, capturing and using methane from landfill and major building efficiency improvements.

Notable projects include the installation of more than one megawatt (MW) of solar PV across 27 Council facilities.

All of Greater Geelong’s 25,000-plus street lights are being converted to LED luminaires, while Council is also procuring zero-emissions electricity for all operations over the next decade, as part of the Victorian Energy Collaboration Project.

The Draft Climate Change Response Plan has benefited from extensive public consultation, with community groups, business and peak body groups, government agencies and nongovernment organisations all providing input.

Council has released the Draft Climate Change Response Plan for further stakeholder and community consultation for 30 days.

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What’s open – COVID-19 We have to do things a bit differently at the moment, both to comply with restrictions and keep our community safe.

Following is a summary of what’s open, what’s closed and what is operating differently. If a service has been closed due to a detected coronavirus case, we will also note that here.

Where possible, we’ve provided links to each service and facility for further information.

Service or Facility

Status

Further Information

Armstrong Creek East Community Hub Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Barwon Valley Activity Centre

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Belmont Market

Closed

Market on Sunday 8 August cancelled.

Bellarine Aquatic & Sports Centre

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Breamlea Caravan Park

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Carousel

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Child Care

Open

Community centres and halls

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Community Buses

Closed

Buses are unavailable for hire

Customer service centres

Change

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown. Contact us via phone and online.

The Fort

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Geelong Arena

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Kardinia Aquatic Centre

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Kindergartens

Open

Lara Aquatic Centre

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Leisurelink

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Leisuretime Sports Precinct

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Maternal Child Health services

Change Open

National Wool Museum

Closed

Outdoor fitness equipment

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Open

Parenting programs

Change Open

Potato Shed

Closed

Playgrounds

Open

Skate parks

Open

Splashdown

Closed

Supported playgroups

Change

Waterworld

Closed

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

Closed from 8:00pm Thursday 5 August for seven-day statewide lockdown.

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Geelong Small Business Festival 2021 Save the date! The Geelong Small Business Festival (GSBF) is back in 2021.

From Wednesday 18 August to Friday 3 September, GSBF2021 will deliver events that cover: • • • • • •

Business essentials (cash flow, finance, tax, legal, applying for grants) Marketing, social media and promoting businesses online (branding, social media, digital marketing, moving business online, new digital technologies) Starting a business (business/marketing plans, getting permits, home-based businesses, side hustles and co-working spaces) Growing business and sales, and expanding networks (networking, local procurement, business mentoring, tips for success) Career development, leading and managing people (leadership, employing staff, outsourcing, managing/motivating a team, culture, diversity) Health and wellbeing (keeping connected, staff safety and OH&S, mental and physical health)

We’ll be launching the GSBF2021 program in July-August. Follow EcoDevGeelong on Facebook and subscribe to our e-newsletter for GSBF2021 updates.

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When

Daily from 18 August 2021 to 03 September 2021

ContactAlex Boyle Email: ecodev@geelongcity.vic.gov.au Phone: 03 5272 4888 Associated organisation: City of Greater Geelong Website: https://gsbf.com.au/

MONDAY

TUESDAY AUGUST

WEDNESDAY 18

THURSDAY 19

Growth through diversity employment

Present like an online superstar

Growth through diversity employment

Side Hustle

FRIDAY

SATURDAY

SUNDAY

20

21

Storytelling for business

Make your business Instagrammable!

22

Starting your online business

SEO essentials of ecommerce stores Leadership for our new reality View All 4 Events

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24

25

26

27

How to showcase your business

Manage your time, manage your life

Motivating high value teams

Turn your dreams into a successful business

Soar like an eagle

Delight your customers, every time

Ingredients to starting a business

Smarter social media for success

Starting a business – key accounting and tax decisions for new businesses

Business essentials

Get back an hour in every day

Time out for wellbeing in business

View All 4 Events

View All 6 Events

View All 7 Events

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31

September

Hiring and onboarding staff

Creating a pet-friendly workplace

Leadership for Business Resilience

Smarter phone photos in business

Geelong Chamber of Commerce Master Class

Build and grow great teams remotely

Employment law for small business

Level up your digital game

Are you friends with your numbers?

How to drive online sales

Geelong Bellarine Tourism Conference

View All 5 Events

View All 4 Events

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28

Powerhouse podcast marketing

29

Idea development and evaluation

Grassroots plastics recycling

Social media refresher The art of your business

Digital marketing strategies View All 6 Events

02

View All 4 Events

03

04

05

Sustainable startup pitch party

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The best leadership practices that will assist you to build a people focused business with certainty, structure, growth and excellence.

About this event The success of a business is defined by it’s returns. From systems, products and services, leaders must be certain that their time spent is valuable.

A resilient business is one that exudes control, commitment and sees challenges as opportunities. As a leader, you have the potential to control the success of your business; and behind every business success story, there’s a great team making it happen!

In this interactive webinar, you’ll discover how to thrive in uncertainty and make it work for you, your team and your business. When you know where to focus and the best strategy to apply, you’re equipped to handle any upheaval - be it global or from within. This gold standard leads to longevity and sustainability... a mustknow approach for any business leader.

For businesses who want to; •

Recharge and take it to the next level

•

Take it up a notch and

•

Identify new opportunities

•

Plan for change This webinar is presented by Sally Higoe, founder of Team Resilience Method.

DATE and TIME WED, 1 SEPTEMBER 2021 12:00 PM – 1:00 PM Leadership for Business Resilience

by Team Resilience Method

Sally is a uniquely world-experienced leader, authentic and with a mission to inspire leaders to trust in self, follow their heart and lead with purpose to reach business success.

She brings world-class, research based and result proven coaching models and methodologies to help you create a cohesive, collaborative, creative and profitable business environment.

Online Event

Register

Follow

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Contact: Event Coordinator

Website: www.thegordon.edu.au/openweek

Email: events@gordontafe.edu.au

Facebook: www.facebook.com/thegordongeelong

Phone: 5225 0600

Twitter: https://twitter.com/GordonTAFE

Associated organisation: The Gordon Tafe AUGUST 2021 | FIND GEELONG

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From Diagnosis to O.A.M. - A Personal Autism Journey - Geelong Daniel Giles OAM and his father Daryl will present Daniel’s autism journey from diagnosis until now. This presentation will be of special interest to educators, parents and carers of people on the autism spectrum and family members.

Daniel is a 30 year old young man living on the autism spectrum who is a passionate self-advocate. Daniel is actively involved in many roles including the Victorian Disability Advisory Council, the Public Transport Access Group and the City of Greater Bendigo’s Disability Inclusion Reference Committee.

In 2017 at the age of 27, Daniel received an Order of Australia Medal for his voluntary work in the areas of disability and the underprivileged. He has been speaking at professional development events, to health care workers, educators and families since the age of 13 years old and has a unique ability to give a clear insight of what it is like to live day to day on the autism spectrum as well as strategies that have helped him to manage his autism and achieve great things.

Daryl provides a parents perspective including strategies to achieve best outcomes for your child.

Dates: 25 Aug 2021, 25 Aug 2021 Cost: All tickets $30.00 - $60.00 Autistic individuals, family members and carers: $30 Professionals (price for Teachers, Caseworkers and Therapists – includes professional development certificate): $60 Educators: This CPD addresses 6.4.2 from the Australian Professional Standards for Teachers towards maintaining Proficient Teacher Accreditation. Plus a $0.50 booking fee.

BOOK NOW Website 0418 522 277

Email

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On the Land - Our Story Retold *THE EVENT MAY BE IMPACTED BY THE CURRENT RESTRICTIONS IN VICTORIA. PLEASE CHECK WITH THE EVENT ORGANISER AT THEIR CONTACT DETAILS BELOW FOR THE STATUS OF THIS ACTIVITY* National Wool Museum invites visitors to re-connect with our land, culture and heritage On the Land: Our Story Retold is the first major exhibition on Australian Wool in over two decades. This exhibition is all about change, it is about people and places and our impact on the land.

It is a contemporary, interactive exhibition which offers a deeper cultural and environmental understanding of the Australian wool story and explores culturally relevant themes including ‘Wadawurrung Country’ - Geelong’s Traditional Owners, a history of farming, land management practice and innovations in the industry.

Visitors to ‘On the Land’ will experience parts of the Museum’s extensive collection, charting tools of the trade from the early nineteenth century up until the present day. On public display for the first time, an 1820 cloth fragment made from John Macarthur’s first wool clip.

The exhibition features contributions from leading Geelong artists including a new sculpture by Mary-Jane Walker, immersive sound installation from Vicki Hallet, Wadawurrung art from Deanne Gilson, photography from Nicole Marie and Pete James and Andrew Chapman as well as painting by Richard Weatherly.

Even our taxidermy sheep have had a makeover courtesy of Melbourne illustrator Ashley Ronning.

National Wool Museum Director Padraic Fisher invites you to visit this new core exhibition and be inspired by our collective history, the land and this place we call Geelong.

When Daily from 22 February 2021 to 30 December 2021 Time: 10:AM - 3:00 PM Where National Wool Museum 26-32 Moorabool Street, Geelong 3220 Contact National Wool Museum

Email: nwminfo@geelongcity.vic.gov.au Phone: 03 5272 4701 Website: http://www.nwm.vic.gov.au Facebook: http://www.facebook.com/ NationalWoolMuseumGeelong

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Parenting Programs Group Parent Education Events for the Barwon South Western Region.

To help protect public health our parenting programs will be run online. For more information please visit our childcare page.

The Regional Parenting Service collates parenting activities in the Geelong and Barwon South Western Region.

Activities may include things such as: • • • • • • • • • •

Positive Parenting Program Parenting Your Teenager Parenting as a Team Repartnering - Living in a Stepfamily Tuning into Kids Toddler Series Kids Matter - Key Steps to parenting after Separation Parenting after Separation - Mixed gender group Navigating the Rough Swells - Separation Little ones need big Dads.

Some activities are free - others operate for varying costs and fees.

Times for courses and programs vary - check the latest calendar for details of each activity.

The calendar is provided each school term.

Numerous agencies contribute their programs to this service including: • • • •

Regional Parenting Service BCYF (Barwon Child Youth & Family) Drummond St Services Family Relationship Centre

Over the centuries, the Fisherman’s Flat area of Queenscliff has seen the ceremonies of the Wadawurrung People and the arrival of the Sea Pilots, fishermen, Chinese, boat builders, sail makers and their families and all have left their mark.

Queenscliffe Historical Museum Researcher and Author, Maggie Stowers weaves a fascinating story of hardship and triumph, of the of early years and the strong women and men who forged a life from the sea and the land to provide for their families.

Dates: 27 Aug 2021

Website Email

Cost: Adult $10.00 Member $5.00

Phone: 03 5258 2511

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Portrait Exhibition

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ANNUAL PORTRAIT EXHIBITION SHEARERS ARMS GALLERY

Tuesday 3 August - Saturday 28 August Come along and vote for the three PEOPLE’S CHOICE AWARDS that will be presented at the end of the exhibition.

When Various dates from 3 August 2021 to 28 August 2021 Upcoming dates 03 August 2021, 11:00 AM - 03:00 PM 04 August 2021, 11:00 AM - 03:00 PM 05 August 2021, 11:00 AM - 03:00 PM 06 August 2021, 11:00 AM - 03:00 PM 07 August 2021, 01:00 PM - 04:00 PM Show more dates (18) Where Shearers Arms Gallery 202 Aberdeen Street, Geelong West VIC 3218 Cost This is a free event Contact Sue Robinson Email: geelongartsociety@gmail.com Phone: 03 52231825 Associated organisation: Geelong Art Society

Shauna Wilson - You Say Different: I Say Individual *IN-PERSON EVENT* Shauna provides insight into how she has navigated through a complex life journey as a transgender woman.

Shauna shares the torment she once felt in reconciling who she was brought up to believe she would be, with who she eventually accepted herself as.

Shauna provides insight into the pressure bestowed upon a child with a conflicted gender identity and the pain-filled path she walked to eventual happiness.

This book will take you through Shauna’s complex life journey, including the cover up of various issues relating to her gender identity disorder; her sexuality, dating and relationships, her medical health, and mental health as a transgender woman.

This book is aimed at educating and informing its readers on a topic that has been considered taboo and misunderstood for too long.

When: 11 August 2021, 06:30 PM - 07:30 PM Email: events@grlc.vic.gov.au Where: Waurn Ponds Library 230 Pioneer Road Grovedale VIC 3216 Contact: Geelong Regional Libraries

Phone: 03 4201 0600 Website: www.events.grlc.vic.gov.au/ event/5153779 AUGUST 2021 | FIND GEELONG

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Forest Therapy Awareness Workshop We are delighted to invite you to a FREE community workshop on the public health practice of Forest Therapy.

The International Nature and Forest Therapy Alliance (INFTA) are proud recipients of the City of Greater Geelong’s Healthy and Connected Communities Grant.

These workshops are designed to provide members of the community with an insight into the benefits of Forest Therapy. This wellness practice originates from Japan, where it is known as Shinrin Yoku.

During this workshop, you will learn more about the science behind the practice and the physical and mental health benefits of connecting to nature through the senses.

Use this link to register your interest: https://infta.net/home/publichealth/activities/greater-geelong/

Cost This is a free event

We acknowledge the Traditional Custodians of the land, the Wadawurrung People of the Kulin Nation. We pay our respects to their Elders past and present, Elders in our community, and Elders emerging.

Contact Hailey Docking

When Various dates from 25 March 2021 to 26 August 2021

Phone: 0447050181

Email: hailey@inmynature.life

Associated organisation: International Nature and Forest Therapy Alliance

Upcoming dates 12 August 2021, 06:00 PM - 07:00 PM 26 August 2021, 06:00 PM - 07:00 PM

Website: https://infta.net

Where Belmont Library 163 High St, Belmont VIC 3216

Facebook: https://www.facebook.com/INFTA.org Twitter: https://twitter.com/infta_ftguide

Sing a Song of Sixpence Songs are magical things: some fall suddenly from the ether, others are a slow labour of love.

Universally however, they’re inspired from personal experiences and observations of life.

In reverence of such alchemy, Delsinki presents “Sing a Song of Sixpence” - which brings the tradition of a writer’s round to audiences: artists sharing the bare bones of their songs and the stories behind them in an intimate setting.

The next round will feature Debra Byrne, Joyce Prescher, Simon Phillips, Delsinki, Wayne Jury and will be accompanied by John Kendall (Row Jerry Crow).

Book online now! Or alternatively call The Potato Shed to speak to our friendly staff!

When 06 August 2021, 07:00 PM - 09:00 PM

Contact Lisa Harvey or Rob MacLeod

Where Potato Shed 41 Peninsula Drive, Drysdale 3222

Email: potatoshed@geelongcity.vic.gov.au

Cost • Adult: $28.00

Website: www.geelongaustralia.com.au/ potatoshed

•

Facebook: www.facebook.com/ potatosheddrysdale

Concession: $24.00

Phone: 03 5251 1998

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Bellarine Secondary College presents The Addams Family School Edition.

A comical feast that embraces the wackiness in every family with an original story that’s every father’s nightmare: Wednesday Addams, the ultimate princess of darkness, has grown up and fallen in love with a sweet, smart young man from a respectable family – a man her parents have never met.

And if that wasn’t upsetting enough, Wednesday confides in her father and begs him not to tell her mother. Now, Gomez Addams must do something he’s never done before – keep a secret from his beloved wife, Morticia.

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Everything will change for the whole family on the fateful night they host a dinner for Wednesday’s “normal” boyfriend and his parents.

The Addams Family School Edition has been adapted from the original OffBroadway Production.

Book online now! Or alternatively call The Potato Shed to speak to our friendly staff!

When Various dates from 14 August 2021 to 15 August 2021 Upcoming dates 14 August 2021, 07:00 PM - 09:00 PM 14 August 2021, 02:00 PM - 04:00 PM 15 August 2021, 02:00 PM - 04:00 PM

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Where Potato Shed 41 Peninsula Drive, Drysdale 3222 Cost • Adult: $15.00 • Concession: $12.00 • Family $50.00 Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com. au/potatoshed Facebook: www.facebook.com/ potatosheddrysdale

Into the Woods Junior Into the Woods Junior is performed by The Bellarine Jongleurs amateur theatre company.

The musical centres on a baker and his wife, who wish to have a child; Cinderella, who wishes to attend the King’s festival; and Jack, who wishes his cow would give milk. When the baker and his wife learn that they cannot have a child because of a witch’s curse, the two set off on a journey to break the curse and wind up changed forever Book online now! Or alternatively call The Potato Shed to speak to our friendly staff!

When Various dates from 12 August 2021 to 14 August 2021 Where Potato Shed 41 Peninsula Drive, Drysdale 3222 Cost • Adult: $15.00 • Concession: $12.00 Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: www.geelongaustralia.com.au/potatoshed Facebook: www.facebook.com/potatosheddrysdale AUGUST 2021 | FIND GEELONG

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Human Nature - People Get Ready Tour

Australia’s homegrown heroes & Hall of Fame inductees Human Nature are returning to their roots, bringing together 30 years of performances for a never-before-seen intimate concert tour of the Aussie heartland.

Book your tickets and get ready for a night of the best songs ever written, including their original hits, Motown classics and more - all performed with vocals upfront in an acoustic mode. Hits including “Telling Everybody”, “Wishes”, When You Say You Love Me”, “Reach Out I’ll Be There”, “Will You Love Me Tomorrow” and many more.

Hear them stripped back but with everyone still dancing on their feet! With stories behind the music and how they have become internationally renowned vocalists and so much more, this is an up-close and personal night with four of the entertainment industry’s most popular and beloved stars. A night not to be missed by music lovers of all generations.

When 06 August 2021, 08:00 PM Where Costa Hall 1 Gheringhap St, Geelong VIC 3220 Cost Adult: $89.90 Facilities • First Aid available • Seating/viewing areas

• • •

Toilets available Undercover areas Wheelchair accessible

Contact Geelong Arts Centre Box Office Email: boxoffice@geelongartscentre.org.au Phone: 1300 251 200 Associated organisation: Geelong Arts Centre Website: www.geelongartscentre.org.au/

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EVENT POSTPONED TO SUNDAY 29 AUGUST 2021 *** Sweetfest 2021 is the 2nd instalment of a FREE, all-ages music festival brought to you by the Sweethearts Foundation.

RSVP here and go in the running to win a stack of sweet prizes on the day.

Four stages of live music from a selection of the best national and local female musicians as well as industry workshops/Q&A panels.

Line-up: Alex Lahey (Solo) Haley Mary • Emma Donovan & The Putbacks • Sweethearts Ebony and the Dilemmas • Fulton Street • Cry Baby • Sirens • Rach Brennan • Libby Steel • Ella Sweeney • Young Hearts • Mink Mila • Kim Cooper • Lique • Andrea Robertson • Carly Robertson • Hassall • Operation Karma • Brunette Red Dress This project is supported by the City of Greater Geelong through the Arts & Culture Arts Industry Commissions.

When 29 August 2021, 11:00 AM - 06:30 PM

Email: michael@sweethearts.com.au

Where Little Malop St Precinct: an outdoor stage, and venues including Beav’s Bar, Pistol Pete’s Food & Blues & Ripe Pizza Bar.Little Malop St Precinct

Phone: 0438911478

Cost This is a free event Contact Michael Fitzgerald

Associated organisation: The Sweethearts Foundation Inc. Website: www.sweethearts.com.au/sweetmusicfest/ Facebook: https://fb.me/e/cYVkLDRxT

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Victorian Teachers Games The Victorian Teachers’ Games (VTG) is an annual event for education professionals, held in the first week of the September school holidays.

More information regarding registration, schedule and events will be released on April 28, and registrations will open on May 17.

More information regarding registration, schedule and events will be released on April 28, and registrations will open on May 17.

Participants have the opportunity to compete in over 40 sporting and social activities with almost 80 competition categories spread over four days of competition.

This event is proudly supported by the City of Greater Geelong via Geelong Major Events funding.

This event is proudly supported by the City of Greater Geelong via Geelong Major Events funding.

When Daily from 19 September 2021 to 22 September 2021

Email: VanPinxteren.Pieter.C@edumail. vic.gov.au

While the primary focus for the event is on sporting competition, the Games also has a social and educational component.

Upcoming dates 19 September 2021

VTG is seen as a great way to extend what we do in schools to educate Victoria’s teachers of the value of sport competition, participation and the role being active plays in overall health and wellbeing.

20 September 2021

VTG also provides significant professional development and team building opportunities for whole staff and individual teachers.

Where Various locations Geelong region

Up to 3,000 teachers from around the state will descend on the Geelong region for the 25th edition of the games from 19 to 22 September 2021.

Given access to beaches, the bay and river, we expect some exciting water based events will be on the program in 2021!

21 September 2021 22 September 2021

Contact Pieter Van Pinxteren

Phone: (03) 9084 9002 Associated organisation: School Sport Australia Website: www.victeachersgames.com. au/

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Geelong Botanic Gardens Open Day The Geelong Botanic Gardens are having an open day!

This family-friendly FREE event includes: Book signing/meet and greet with Sally Leary, the author for Corio Bay Quest. The new enthralling picture book celebrating and taking you on a journey around Geelong (also featuring the Geelong Botanic Gardens!)

Local historian, author and ex curator of the Geelong Botanic Gardens, Ian Rogers, will be signing his new book and taking garden tours.

Guided walks around the gardens Discovery tables where you can meet the Botanic Gardens volunteers and see what it is they do.

Behind the scenes tour of the Botanic Gardens Nursery. This is normally off limits to the public, runs every 30min • • •

Book Sales Plant Sales Mini art expo / sales from our Botanic Artists

Bring a picnic or have a cuppa at the Teahouse.

Dogs (on a lead), welcome!

When 10 October 2021

Where Geelong Botanic Gardens Corner Podbury and Eastern Park Drives, East Geelong, 3219

Cost This is a free event Facilities • Parking available • Toilets available • Wheelchair accessible

Contact Geelong Botanic Gardens Phone: 5272 4379 Associated organisation: Geelong Botanic Gardens Website: www.geelongaustralia.com. au/gbg/default.aspx

When 27 October 2021, 07:30 PM

Kate Miller-Heidke

Where Costa Hall 1 Gheringhap St, Geelong VIC 3220

Cost Adult: $89.90

- Child In Reverse Tour

Contact Geelong Arts Centre Box Office Email: boxoffice@geelongartscentre.org. au Frontier Touring are delighted to announce award-winning singersongwriter Kate Miller-Heidke’s Child In Reverse Tour!

Joined by her a six-piece band, the tour will see Kate play regional towns and cities across Australia, performing 15 shows over four months.

Don’t miss your opportunity to witness the only performer to have ever graced the stage of Coachella, Eurovision and the New York Metropolitan Opera LIVE in Geelong!

GRAB YOUR TICKETS NOW

Phone: 03 5225 1200 Associated organisation: Geelong Arts Centre Website: www.geelongartscentre.org.au Facebook: www.facebook.com/ geelongartscentre AUGUST 2021 | FIND GEELONG

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White Night Geelong 2021 Geelong will shine bright when White Night returns this year, giving locals and businesses a boost as major events return to the calendar in 2021.

White Night Geelong will this year take place on 6 November, after the colourful spectacle made its debut in 2018.

Colourful projections and installations will bring the city’s streets, laneways and parks to life, and also transform the Geelong foreshore.

An expression of interest is now open to artists in the categories of installation, visual art, lighting, audio-visual, projection, film, music and performance exploring the theme ‘everything on the land is reflected in the sky’.

The 2021 program will embrace the global spirit of White Night as a vibrant and inclusive celebration of community participation through immersive art installations in city spaces.

The city will be transformed through stunning illumination and projection, music, performance, art, culinary experiences, and interactive works from local, national, and international artists.

The program will capitalise on what makes Geelong unique and elevate the city’s cultural and gastronomic credentials, as well as its reputation for design and rich music scene.

Supported by the state’s primary tourism and events body, Visit Victoria, White Night 2021 is led by internationally acclaimed artist Joseph O’Farrell (JOF) who will lead the charge as creative director.

White Night Geelong 2018 attracted 70,000 attendees and delivered an economic impact of $6.1 million to the region.

The return of White Night Geelong in 2021 will provide more good news for local businesses and showcase local talent and produce as visitors converge on the city and give local tourism operators a boost.

White Night is a State Government of Victoria initiative that is owned and managed

by Visit Victoria.

When 06 November 2021 Where Various locations in Central Geelong Johnstone Park, Geelong 3220 Cost This is a free event Facilities • Catering and/or dining • Children’s activities • Wheelchair accessible Contact Associated organisation: Visit Victoria Website: www.whitenight.com.au

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Blues Train Revival Concert Series The Queenscliff and the Bellarine’s iconic Blues Train is back!

Head to the Blues Train website to book your tickets and secure your place at The Blues Train Revival Concert Series in October.

See amazing blues acts, enjoy dinner and drinks while you journey along the Bellarine Railway!

October will take the form of regular trains under the banner “The Blues Train Revival Concert Series, with thanks to support from the Borough of Queenscliff and the Melbourne Arts Centre.

Stay tuned for further announcements to come regarding November shows.

When Every Saturday of every week from 02 October 2021 to 23 October 2021

• • •

Upcoming dates 02 October 2021 09 October 2021 16 October 2021 23 October 2021

Contact Bay City Events

Where Queenscliff Railway Station 20 Symonds St Queenscliff Facilities • Catering and/or dining • First Aid available • Parking available • Seating/viewing areas

Toilets available Undercover areas Wheelchair accessible

Email: info@baycityevents.com.au Phone: 1300885993 Associated organisation: Bay City Events Website: www.thebluestrain.com.au Facebook: www.facebook.com/thebluestrain/

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2021 Australian International Airshow

***EVENT RESCHEDULED TO 30 NOVEMBER - 5 DECEMBER 2021 *** Deferring AVALON 2021 to late in 2021 will ensure the event serves its purpose as a spectacular celebration of 100 years of the Royal Australian Air Force.

We are so pleased to see so many of our events including virtual elements during this difficult time. And if you’re getting a bit bored of isolation baking and video games, we’ve got something to brighten your day.

The Airshow is a unique and exciting event appealing to patrons from all facets of the community; members of the defense forces, corporate business and aviation enthusiasts alike. Patrons can mingle in the elaborate trade halls, wander amongst the most exciting crafts in the world, be entranced by the dazzling aerobatic displays or just soak up the atmosphere by the runway.

With earplugs at the ready thousands huddle together, and gaze in amazement as pilots take their crafts to the ultimate extreme.

It will also boast a large number of vintage, classic and experimental aircraft and high flying barnstormers and precision stunt performers.

When Daily from 30 November 2021 to 05 December 2021

The ambience is exciting, and the sheer volume rattles you to the core!

AIRSHOW 2021 will feature a vast array of the latest military heavy metal from Australia and overseas including super sonic jet fighters and attack helicopters.

Try something new this weekend with free to Avalon Airshow colouring pages.

Creative, fun and a great mindfulness activity for the whole family! Save the colouring images on the right to your computer and get started or download via the official Airshow web page.

The Australian International Airshow is a pinnacle event for the Geelong Region, attracting crowds in the tens of thousands worldwide!

In 2021, see the centenary of the RAAF milestone event. The skies over Avalon will erupt with the biggest and best Airshow ever staged in Australia! Don’t miss the boom and zoom of military and civil aircraft, death defying aerobatics and celebrate 100 Years of The Royal Australian Air Force. Plus loads of fun for kids and the whole family.

Among the many attractions will be Night Alight, an after dark aviation spectacular with its totally breathtaking, fiery and explosive finale.

The Avalon-based event will also present a host of ground attractions and historic re-enactments.

This event is proudly supported by the City of Greater Geelong.

Where Avalon Airport, Geelong 80 Beach Rd Lara Contact Airshows Downunder Email: airshow@amda.com.au Phone: 03 5282 0500 Fax: 03 5272 4455 Associated organisation: Airshows Downunder Website: www.airshow.com.au

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Geelong Ferris Wheel A trip to the Geelong Waterfront isn’t complete without a ride on the Giant Sky Wheel.

Offering spectacular views of the Geelong beachfront and Corio Bay, the Ferris Wheel is the largest in the southern hemisphere.

At night it lights up in a kaleidoscope of colour with over 24 dazzling light patterns – a Geelong must-see.

The Sky Wheel visits Geelong for six months of the year (Oct-March). You’ll find it perched beside the Geelong Yacht Club.

Rides last between 7-10 minutes.

Royal Geelong Yacht Club The Royal Geelong Yacht Club is one of Australia’s leading yacht clubs with an impressive history that goes back more than 160 years.

Playing host to many major yachting events the club plays an important role in attracting visitors from around the country and across the globe.

Two of the most popular events are the biennial Wooden Boat Festival Of Geelong, and the Festival Of Sails the largest keelboat regatta in the southern hemisphere.

Tucked in behind the club is the Marina View Cafe offering lovely views of the moored yachts. The food here is simple and the service can be slow, but if you’re not in a hurry it’s a lovely spot for a relaxed coffee and sweet treat.

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Geelong

Located in the heart of the city, Westfield Geelong is your one-stop hub for shopping, food, fun and relaxation.

Geelong’s premier shopping destination for fashion and beauty.

Home to some of Australia’s best-known retailers including Myer, Big W, Target and Coles as well more than 160 specialty stores.

A great range of cafes, restaurants and lunch options.

A friendly Concierge team is available to help with: Westfield gift cards, personal styling sessions, hiring mobility equipment, Kiddy cars, mobile phone charging station, and parking information and more.

There are plenty of amenities, a parent’s room on each level and an adult change facility; Changing Places.

Located two blocks back from the water front, between Malop Street and Brougham Street.

Shop

Eat

5. Lounge in snuggly sleepwear

7 winter essentials to get your home cosy for the chilly season Winter is here! To keep your home as snug and warm as possible while you’re lounging around indoors, it’s time to dust off your portable heaters, get the electric blankets out of storage and check off these winter essentials to beat the cold this chilly season.

How many cosy weather essentials do you already have from this list, and which ones are you missing? Read on to find out.

3. Rug up in style

Let’s be honest – winter is all about plush robes, fluffy slippers and flannelette pyjamas!

Stay cosy and cute in the softest sleepwear, and for colder nights, wrap yourself up in plush fleece bathrobes to keep snug. To finish off the ultimate winter ensemble, slip into a pair of slippers and prepare to take comfort to the next level.

Shop for your favourites at Peter Alexander, Country Road, Cotton On Body, Bras N Things, Target or Myer.

If you don’t have carpeted floors, combat cold tiles and wooden floors with a statement rug from Big W, Bed Bath N’ Table or Target. They work wonders in any room, providing warmth underfoot whilst amping up the aesthetic, too.

1. Turn up the heat Perfect for keeping small spaces like studies and bathrooms toasty, a portable heater is one of winter’s must-have luxuries.

Plus, you’ll save on your electricity bill by heating only the room you’re in. Check out the range at Myer, Big W or Target to find the best option for your home.

6. Get techy with more heated gadgets

4. Hibernate in your own haven

2. Create the ultimate cosy nook There’s no better feeling than curling up on the couch with a hot chocolate during freezing winter nights. Style your living room and bedrooms with faux fur throws, tassel embellished blankets and a scattering of velvet cushions from Bed Bath N’ Table, Myer or Target for an extra cosy touch.

Transform your bedroom into a cocoon of cosy textures! Go back to basics by adding a heated mattress topper – it’s a total game changer. Next, switch your summer linen for a set of flannelette sheets. Top it all off with a weighted blanket or shearling throw, and your winter retreat is ready. Country Road, Bed Bath N’ Table, Myer, Big W and Target have everything you need to transition your bedroom.

Bonus tip: a hot water bottle will keep you toasty all winter long - Nanna was onto something here.

While a portable heater and electric blanket are winter home must-haves, these other gadgets make worthy investments too. A heated towel rack or rail is a true everyday luxury – just think about warm fluffy towels at the ready when you need them. It takes a mere few minutes to heat up, and comes with timer options too.

For the ultimate winter indulgence, why not purchase a heated foot spa? Soothe your tired soles (and soul!) and revel in pure bliss.

Check out Myer, Big W or Target for great options.

7. Luxuriate in scents Smell plays a big part in setting the mood, and certain scents like lavender, ylang ylang, or eucalyptus can inspire calm and mindfulness.

While candles and home fragrances are convenient, why not splurge on an essential oil diffuser? The combination of soft, multicoloured lighting and delicately fragranced mist creates a relaxing ambience.

Visit MECCA, Myer, Bed Bath N’ Table, Priceline or Dusk to find the right scent for your abode.

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RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

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

WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions.

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. Superannuation, tax and Centrelink and other relevant information is based on our interpretation and continuation of law current as at the date of this document. The information contained in this document does not constitute legal or tax advice. You should seek expert advice in this regard. Warren Strybosch, Find Wealth Pty Limited ABN 20 140 585 075 trading as Find Retirement, Corporate Authorised Representative No. 236815 of ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367.

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People Who Live The Longest

RETIREMENT

By Bernard Kelly

They are known as the Blue Zones – where people live exceptionally long lives.

One is a cluster of Seventh Day Adventurists in California, another cluster is in Nicoya in Costa Rica, the others are basically the entire populations of Okinawa (Japan) Sardina (Italy), and Icaria (Greece).

Dan Buettner, writing in the November 2005 issue of National Geographic magazine, identified the first four in a cover story, “The Secrets of a Long Life” and then published his finding in a book “The Blue Zones” in 1998. It was later established that Icaria, additionally, met all of the criteria to be included.

COMMON FEATURES But what are the common features of all five? How do these populations actually achieve the widespread ability to live healthy and vigorous lives well into their 90s, with many living substantially longer?

It all revolves around their simple lifestyles. Their diet is heavy on greens and legumes, they exercise daily in their own vegetable gardens, they are far removed from the stress of watching the nightly TV news, they adhere to spiritual values and maintain strong family kinships.

Research published in November 2019, from the Loma Linda University in California concluded that Adventists have a lower cancer risk and a longer life expectancy than the general US population.

This is an important finding for those of us in developed countries, as the study measured the link between lifestyle, diet, disease and mortality of Seventh-day Adventists. We can all learn from these lessons.

PLANT BASED DIET Five simple health behaviours promoted by the Seventh-day Adventist Church for more than 100 years (not smoking, eating a plant-based diet, snacking on

nuts, regular exercise, and maintaining normal body weight) appear increase life span up to 10 years. If cattle can live off plants, why can’t humans?

Barbara Moore proved it can be done.

A famous vegetarian and long distance walker, in 1960 she walked from San Francisco to New York in 86-days, with only nuts, honey, raw fruit and vegetable juice for nourishment. Her mantra was that people could live to be 200 years old by abstaining from smoking, alcohol and sex.

Given this knowledge, perhaps our health system, and particularly the aged care sector, needs to embrace a transition to plant based diets.

Bernard Kelly 0414 778 518 Bernard Kelly has a focus on offering solutions to retirement issues. His email is

bernardkellygeelong@gmail.com AUGUST 2021 | FIND GEELONG

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Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

2. A Tax engagement letter will be emailed to you for signing via your mobile (no printing or scanning required).

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

5. Once we have received all your documentation, we will complete the return.

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • Find Accountant ----------------- 64 • Find Insurance ------------------- 64 • Financial Planner --------------- 75 • Finance Broker --------------------67 • Bookkeeping ---------------------- 65 • Business Coach ------------------ 75 • Business Knowledge System --- 67 • Lawyers ------------------------------- 65 • Video Confidence ------------- 66 • Web Developer ------------------ 67 • General Insurance ------------- 66 • Life Coach --------------------------- 66 • Salary Packaging Services 66

Leadership and Team Development .....Imagine a team where each individual is so strong in self that their focus is how to move together as one....

SERVICES LEADERSHIP COACHING & DEVELOPMENT

Leadership coaching that connects your team and drives results

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CONTACT SALLY HIGOE

BUSINESS GAP ANALYSIS

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An example of this is reducing insurance when appropriate so you aren’t paying more than you have to.

MARK KRUGER Financial planner

Retirement planning

Super, investments Insurance - Life, TPD, Income, Protection, Trauma Saving for education Purchasing your first home

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Business Services

Biscuit Business Services provides professional, confidential and comprehensive bookkeeping, payroll, BAS and administrative solutions to small to medium businesses. We specialise in working with ‘in the cloud’ bookkeeping and document solutions to effectively keep your business up to date and on track. We believe in a strong team approach when working with our clients and their Tax Agents.

GEELONG’S PREMIER NEWLAW FIRM WITH A PERSONAL APPROACH. WE PROVIDE HIGH QUALITY, TIMELY & TAILORED LEGAL SOLUTIONS WITH PRICE CERTAINTY AUSTRALIA WIDE. OUR SERVICES

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Van Beveren Lawyers based in Geelong provide high-quality, timely and tailored legal solutions with price certainty Australia-wide. We focus on quality services, building relationships and forging longterm partnerships. Together, we invest in your ongoing success

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EVERYONE HAS THEIR THING. OURS IS DOMAIN NAMES. Whatever your thing is, your domain name is an important part. We want to make that part better.

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Ever since Childhood, I’ve been distracted by moving pictures. So it only seemed natural to seek work and education in his field when the time came. After many years working such as director, editor, crew member and camera operator for other video production companies I decided to take the plunge and start my own.

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Belmont Insurance Services is a locally owned, independent insurance agency with offices in Bluffton, South Carolina. We rely on a wealth of experience – three generations of industry service – to provide the precise amount and type of insurance coverage for individuals or companies.

NICOLE NELSON General Insurance

Belmont specializes in serving families, businesses and individuals with insurance coverages customized for you and your specific situation. A “hands-on” depth of insurance experience and the commitment to choose the right coverage with the highest level of personal service is what makes Belmont different.

Without why, we have no direction!

Find your WHY! Move Forward - Create Change!

At My Y, we believe you really can do anything if you know and understand your why! We work alongside you to help you find your why and show you how to use the information and skills to really do anything your heart desires.

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Make great decisions, achieve personal and professional success and navigate life’s challenges.

Salary Packaging means you can pay less tax, use your pre-tax income to pay for everyday expenses and make your salary go further.

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Call us now (03) 5229 4200

We ensure your staff get the full advantage of their entitlements, because taking care of your staff is our business.

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Welcome to aWebpage, your one-stop-shop for brocure sites & bespoke web applications.

Our project delivery process maximises you project success.

our services

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The name Aisling is derived from the Celtic word for ‘dream’ or ‘vision’. Our company’s vision is that all our clients receive advice tailored to their individual goals and objectives, which will enable them to achieve their financial dreams.

DEVELOPING EXCELLENCE IN BUSINESS SERVICES MENTORING

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HOME & GARDEN

We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to editor@findgeelong.com.au

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PRISTINE OUTDOOR PROPERTY SERVICES

PROFESSIONAL SERVICES • • • • • • •

Property Services ------68 Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

SERVICES ( Covering Domestic and Commercial )

Mowing (small to acreage) Garden Clean Up/Maintenance Window Cleaning Gutter Cleaning Pressure Washing

DANIEL TOMLINSON

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0468 485 122 danatpops@gmail.com www.pristineoutdoorpropertyservices.com.au/ ‘Servicing Golden Plains and Geelong

A beautiful lawn doesn’t happen by itself

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AUGUST 2021LOCAL | FIND GEELONG TRADIES69

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We invite all who provide a Professional Services to advertise in the Find Pages - Professional Services section of the online paper. We want to support local tradies.

Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • • •

Painting Services------ 69 Garage Doors-----------70 Electrician---------------70 Embroidery-------------70 Building Inspection Nursey Flooring

DAHLLOF PAINTING SERVICES OUR SERVICES PAINTING SERVICES INTERIOR PAINTING

CONTACT US We are lacated in Geelong, Victoria!

Stephen Dahllof Painting Services Servicing Geelong and Surrounding Areas

0407 365 372 kerna1967@gmail.com www.stevedahllofofpaintingservices.com.au

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HOME & GARDEN

We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas Trustworthy 24/7 Garage Door Installation

A Garage Door Specialist you can Trust Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise to either repair or replace your current garage door. For new installations we are also the ones to call.

We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure.

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Contact us with you garage door emergencies at any time of the day or night.

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Not only that, but we are available 24 hours a day, 7 days a week.

Wooden garage doors Garage door locks Up and over garage doors sales@cruzingaragedoors.com.au

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Mark Clutterbuck Electrical Operations

0414 538 394

mark@clutterbuckelectrical.com.au

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Best Quality Embroidery

Geelong Industrial Monogramming has been established since 1982, and is proud to be a family owned and operated business.

During that time we have seen it grow from a small cottage industry to a fully operational factory and retail store with 20 experienced staff, servicing some of Australia’s biggest suppliers, including: YAKKA, Ford Motor Company, Rays Tent City Cant tear em’ and many more. We were Geelongs first embroidery business, and we strive to excel in our customer service and satisfaction by producing quality workmanship with garments made to last.

We are Geelongs first embroidery business, and we strive to exel inour customer service and satisfaction by producing quality workmanship with garments made to last.

0412 670 310

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www.gim.net.au

Kerry Kaspi Branded Apparel & Marketing

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HEALTH & BEAUTY

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Email your ad to editor@findgeelong.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

TRADIES - FREE ADVERTISING Email your artwork to editor@findgeelong.com.au. If you wish us to create your ad, we will do this for a minimal cost. Go to www.findgeelong.com.au/graphic-design to upload your details and we will create this for you.

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Geelong Cats - Season 2021 Let’s go blue and white! Stand proud and support our boys as they take on the 2021 AFL season.

“We are Geelong, the greatest team of all!”

•

Geelong Cats V Essendon - AAMI Community Series Game starts 7.10pm.

To keep supporters safe on game day, the traffic conditions around GMHBA Stadium will change from 6.00pm. Please refer to Major Event ‘Game Day’ Changes to Traffic Conditions below.

2021 Season (home games at GMHBA Stadium):

•

Round 6: Saturday 24 April Geelong Cats v West Coast, 2.45pm

•

Round 2: Friday 26 March Geelong Cats v Brisbane Lions, 7:20pm

The following dates are TENTATIVE - as part of the COVID Safe rollout of the 2021 AFL season

•

Round 5: Sunday 18 April Geelong Cats v Melbourne, 4.40pm

•

Show more dates

Round 10: Saturday 22 May Geelong Cats v Gold Coast Suns, 1pm

Geelong Harness Racing Where Geelong Harness Racing Club Beckley Park, 40 Broderick Road, Corio Vic 3214 • • • • •

Cost Adult Family Student This is a free event

There is an entry fee of $10 for Cup Night only.

Contact John Dunne Email: john@geelonghrc.org.au Race Nights 2021 Geelong - High Speed Racing Thursday 12 August Friday 10 September Wednesday 22 September Wednesday 6 October

Saturday 23 October (Cup Night) Wednesday 10 November Friday 3 December Wednesday 29 December

Phone: 0422 398 978

When

Website: http://www.geelonghrc.org.au

12 August 2021, 06:00 PM - 10:00 PM

Associated organisation: Geelong Harness Racing Club

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Victorian RSL Lawn Bowls The RSL Victoria bowls teams were very pleased to be able to hold their annual Duke of Edinburgh Shield this year after it was a victim of COVID-19 last year. They managed to get in just before Victoria’s most recent lockdown and chose a glorious autumn weekend in May. Around 1,600 Victorian RSL Service and Affiliate members representing 84 RSL Sub-branches headed to 14 locations across the state to pit their skills against each other for the 2021 Duke of Edinburgh Shield, sponsored once again by Vasey RSL Care.

This year’s Duke of Edinburgh Shield is perhaps its most poignant yet.

Played between RSL sub-branches, the first tournament was held in 1954 between four teams. Now there is about 90 sub-branches involved.

At Moama, RSL bowls co-ordinator John Munro decided to honour Prince Philip’s recent death with something a bit more special.

With Munro leading a flag-raising ceremony alongside Echuca Federal Band bugler Mitchell Clack, players observed a minute’s silence to honour and reflect on Prince Philip’s life to open the weekend’s play.

“Sadly on April 9 this year, The Duke of Edinburgh Prince Phillip passed away ... but we are standing here today, 67 years on, with over 1600 bowlers that compete for the Duke of Edinburgh Shield,” Munro

said during his speech on the day.

“All at the same tournament at the same time, one realises the magnitude of this event.”

The winning teams at each site were: • Moama RSL Gold • Waverley 1 • Inverloch Gold • Rochester • Deniliquin • Melton RSL • Western Composite • Doncaster

• Footscray • Queenscliff/Point Lonsdale • Epping • Lakes Entrance • Bundoora • Kyneton 1 • Moe/Trafalgar

Congratulations to overall winners Queenscliff/Point Lonsdale, and to Waverley 1 in second place.

AUGUST 2021 | FIND GEELONG

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Victorian Country Championships 2021 2021 Country League Football Association COUNTRY CHAMPIONSHIPS Friday 1st to Sunday 3rd October 2021 Hosting boys and girls representative teams from Regional Victoria for a football extravaganza at Myers Reserve and Stead Park.

Welcoming more than 4000 football players and visitors from Bendigo, Ballarat, Albury/Wodonga, Gippsland, La Trobe Valley, Mildura, Shepparton and Warrnambool.

This event is proudly supported by the City of Greater Geelong.

When Daily from 01 October 2021 to 03 October 2021 Upcoming dates 01 October 2021, 08:00 AM - 04:00 PM 02 October 2021, 08:00 AM - 04:00 PM 03 October 2021, 08:00 AM - 04:00 PM Where Geelong Rangers Soccer Club Myers Reserve, Creamery Road

Cost This is a free event Facilities • Catering and/or dining • Change room facilities • Children’s activities • First Aid available • Parking available • Toilets available • Undercover areas Contact Lisa Brooks Email: countrychampionships@gmail.com Phone: 0407480026 Associated organisation: Geelong Region Football Committee Website: countrychampsvic.com Facebook: www.facebook. com/2021CountryChamps

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AUGUST 2021 | FIND GEELONG

bet365 Geelong Cup

The Geelong Racing Club invites you to be part of the long-awaited return of the 2021 bet365 Geelong Cup. Book your tickets now - it’s time to gather together as a community and celebrate all that is Geelong.

We look forward to showcasing a spectacular day of racing, fashion, fine food and wine, served with the utmost flavor and style. Let’s return to what is important - friends, family and colleagues enjoying the pinnacle of Geelong’s events calendar, the bet365 Geelong Cup.

We are pleased to announce that this event will be open to members, sponsors, owners and the general public. This event will be a COVIDSafe event and will be run in accordance with the Public Event Framework. Please note that this event will be capped at 12,000 persons, so to secure your spot make sure you prebook.

The Geelong Cup is an annual Group 3 Thoroughbred horse race, open to horses of all ages and sexes. The race is held over a distance of 2400 metres and was first run in 1872.

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Since 1947, the Cup has been run in Spring, traditionally on the Wednesday after the Caufield Cup and 13 days prior to the Melbourne Cup. This event is proudly supported by the City of Greater Geelong

We are pleased to announce that this event will be open to members, sponsors, owners and the general public. This event will be a COVIDSafe event and will be run in accordance with the Public Event Framework. Please note that this event will be capped at 12,000 persons, so to secure your spot make sure you prebook.

The Geelong Cup is an annual Group 3 Thoroughbred horse race, open to horses of all ages and sexes. The race is held over a distance of 2400 metres and was first run in 1872.

When 20 October 2021 Where Geelong Racing Club 99 Breakwater Rd, Breakwater VIC 3219 Facilities • Catering and/or dining • Children’s activities • First Aid available • Parking available • Seating/viewing areas • Toilets available • Undercover areas • Wheelchair accessible Contact Geelong Racing Club Email: hello@geelong.countryracing. com.au Phone: 5229 4414 Associated organisation: Geelong Racing Club Website: www.grc.com.au AUGUST 2021 | FIND GEELONG

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Birth, Deaths & Marriages August 2021

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

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

Birth, Deaths & Marriages August 2021

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

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

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GEELONG

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

LOCAL COUPONS

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

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Part of the secret of success is to eat what you like and let the food fight it out inside.

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

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

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& Lunch

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Coffee

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

FIND ADVERTISING COUPONS editor@findgeelong.com.au 1300 88 38 30

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Takeaway

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

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NEW OFFERS COMING

Entertainment

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

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Coupons &

Any changes or updates to these ‘Terms of Use’ of the

Non-Transfer The barter trade, sale, purchase, or transfer of the Find Coupons &/or Find Cards, by any person or entity, including but not limited to business placing offers in the Find Paper, printers, publishers, and distributors of the Find Coupons /Find Card, is strictly prohibited, unless expressly authorized by Find Pty. Ltd. Find reserves the right to make changes to the participants and their offers at its sole discretion. Members will be notified of these changes via email or via the Site.

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons.

Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted.

Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2020 Find.

Find Cards Policy

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

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

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards.

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentication code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

Present the Find Card and ID prior to paying bill. Card is Non-Transferable. Each offer corresponds to a number on the card. Number will be crossed off once offer used. This is not a credit or charge card.

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