Find Geelong 2021 - October Edition

Geelong The

OCTOBER 2021

WHAT’S INSIDE: 04

LOCAL STORIES

32

COLUMNIST ARTICLES

54

TAX UPDATES

56

NOT-FOR-PROFITS EVENTS & ARTICLES

64

FIND FAITH

66

RENTAL LISTINGS FREE ADVERTISING

68

GEELONG COUNCIL NEWS

108

FIND BIRTH, DEATHS & MARRIAGES

110

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

COVID Targets To Freedom

MarkMogato

Mark Mogato

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

PLATINUM SPONSOR

ALLAN HOULISTON

DANIEL TOMLINSON

AISLING FINANCIAL

PRISTINE OUTDOOR PROPERTY SERVICES

www.aislingfinancial.com.au | allanh@aislingfinancial.com.au

www.pristineoutdoorpropertyservices.com.au | danatpops@gmail.com

OCTOBER SPONSOR

OCTOBER SPONSOR

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

CLUB SPONSORS

?

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

3

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

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

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

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

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

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

and rolling out over the coming years.

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

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

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

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

Follow us on facebook (https://www. facebook.com/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.

ADVERTISING RATES (INCLUDE GST) Available Sizes:

Rates:

• Double Page Spread (408 x 276mm)

$1650

• Full Page (198 x 276mm)

$1100

• Half Page Landscape (198 x 138mm)

$715

• Half Page Portrait (95 x 276mm)

$715

• Third Page (189 x 90mm)

$550

• Quarter Page (97 x 137mm)

$440

• Business Card Size (93 x 65mm)

$275

• Ads Smaller than (85 x 55mm) and Below

$121

• Design Services We can create your ad for you. Prices start at $77 for the very first hour and $22 for each hour thereafter.

NEXT ISSUE Next Issue of the Find Geelong will be published on Friday November 5, 2021. Advertising and Editorial copy closes Friday October 29, 2021.

OCTOBER 2021 | FIND GEELONG

3

4

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Geelong Port

GeelongPort is thrilled to unveil the design images of Spirit of Tasmania’s new terminal building set to be constructed at Corio Quay in Geelong.

The state-of-the-art building, as part of Spirit of Tasmania’s passenger and freight terminal precinct, will be operational in Geelong in 2022.

GeelongPort CEO Brett Winter said, “We are pleased to have completed the design phase of the precinct.”

“A lot of thought has gone into the design of the terminal building with inspiration for the building’s design being drawn from the beautiful landscapes that Tasmania is famous for,” he said.

The final design, created by Brand Architects, is both striking and functional, and it will provide the hundreds of thousands of visitors to Victoria and Tasmania every year, a contemporary, comfortable and streamlined experience as part of their voyage.

To find out more, visit https://lnkd.in/gRFjti3Z

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

5

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

Armstrong Creek East Community Hub

Open

Barwon Valley Activity Centre

Change Closed

Belmont Market

Open

Bellarine Aquatic & Sports Centre

Open

Breamlea Caravan Park

Open

Carousel Child Care

Open Closed

Community Buses

Closed

Customer service

Open

Fenced dog parks (Belmont & Corio)

Open

The Fort

Open

Geelong Arena

Closed

Kardinia Aquatic Centre

Open

Kindergartens

Open

Lara Aquatic Centre

Closed Open

Leisuretime Sports Precinct

Change

Maternal Child Health services

Change

National Wool Museum

Open

Outdoor fitness equipment

Open

Parenting programs

Open

Playgrounds

Open

Skate parks

Open

Splashdown

Open

Waterworld

In-person service has resumed at three centres and is open for phone and online inquiries

Bookings are essential.

Bookings are essential.

Change

Potato Shed

Supported playgroups

Booking are essential

Closed

Community centres and halls

Leisurelink

Further Information

Bookings are essential.

Change

Open

Bookings are essential.

OCTOBER 2021 | FIND GEELONG

5

6

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

$500k Renovation for Osborne House and Stables A renovation and safety upgrade to the historic Osborne House and stables in North Geelong is now complete, marking the first step in a planned major redevelopment of the site.

The City of Greater Geelong has carried out more than $500,000 in restoration works, including underpinning and stabilisation of the stable walls, followed by façade repairs and painting.

The works also included repair or replacement of 40 windows and more than 40 French doors throughout the main bluestone building.

A new fire detection system featuring 23 detectors is now monitored off-site and linked with a security system, while drainage has been installed in the car park.

Councillor Eddy Kontelj, chair of the Osborne House portfolio, said the work had improved safety and restored the beauty in some areas of the 1800s buildings.

“Osborne House and the stables have significant heritage value and sit in an important location on the North Geelong waterfront.

The works have made an improvement to the way the buildings look, and also ensured they can be safely accessed and enjoyed by the community once the future use of the site is decided.

While these initial works are encouraging and were necessary, there is still much work to do.”

In May this year the council launched an expressions of interest process seeking partners to help redevelop the Osborne House precinct.

Discussions are now continuing with potential partners on their visions for restoring the significant heritage buildings and transforming the precinct with a mix of community, public and commercial uses. This would be consistent with the concept of a community and cultural heritage precinct.

Retention of the buildings’ heritage values will also be prioritised.

The council has committed to keeping Osborne House in public hands, meaning any partnership will not involve the sale of the land or buildings.

Councillor Anthony Aitken, chair of the Finance portfolio, said council has allocated a further $8 million for restoration of the precinct over the next four years.

The works completed so far are the first step in what we hope will be an exciting journey towards opening this important site back up for the community and celebrating its heritage value.

The expressions of interest process has unearthed some promising ideas, which we are working through with the potential partners.

The total cost of redevelopment has been estimated at $21 million or above depending on the final plans.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

7

Wetlands Extension Out for Tender This best practice process will improve the quality of stormwater being released downstream.

Construction is planned to be completed in two phases.

Earthworks to shape the wetland will be carried out from March to August 2022, to avoid any conflict with the migration and nesting habits of the Latham’s Snipe shorebird.

Windermere Ward councillor Anthony Aitken said planting of aquatic-based species will follow from September 2022 to February 2023.

“The timing will ensure that the heavier construction works will not interfere with critical bird life, such as the migratory Latham’s Snipe, which relies on the wetland,” Cr Aitken said.

“Once finished, this project will be a beautiful space for the Lara community to enjoy and will add to the biodiversity in our north.”

The City is inviting tenderers to construct a clever and creative treatment wetland in Greater Geelong’s north.

“This project will expand the wetland by about 6000 square metres,” Cr Grzybek said.

The Lara Lakelands Reserve initiative was identified as one of the highest priorities in the City’s Priority Stormwater Projects Masterplan.

“The final design meets our key objectives of preserving native vegetation and bird habitat, ensuring the wetland plantings are sustainable and maintaining public open space.”

Greater Geelong has more than 100 individual wetlands, with many listed for their international importance for resident waterbirds and migratory shorebirds.

Under the plan, urban stormwater will be directed through the new wetland for the filtering of sedimentation and pollutants before the water enters the existing southern wetland.

Collectively, they make up one of the most important waterbird areas in Australia and host the highest concentration of several migratory shorebird species in Victoria.

A tender for the $2.25 million project was released on the weekend.

Windermere Ward councillor Kylie Grzybek said the works would create a larger and healthier wetland.

Further updates will be provided to the community as the project progresses.

OCTOBER 2021 | FIND GEELONG

7

8

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Premieres Sunday 10th October Online at Humans in Geelong YouTube. https://www.youtube.com/channel/UCFm8RuKjt_igzHj5IRfDmg About 20 dazzling videos available to watch ongoing.

Olaf from Frozen with giant bubbles and glitter tattoos, The Angel Abrabanel living statue by D. Gordon, Geelong Crusaders, The Empowerment Challenge mobile and information and SES interactive truck.

In-person 5th December at Deakin University Waterfront, 103pm.

Performances in the Courtyard:

Free Community event with everyone welcome and something for everyone. WE LIVE IN HOPE. View Expo 2019. https://www.youtube.com/ watch?v=yfSLh72YBBc&t=53s Fun in the Courtyard: Henna by Ani Qayyumi, Shazza’s Face Painting, Craft for Kids – decorating Humans in Geelong Bags to take home, Rock Painting with Encompass, Wooden Tic Tac Toe making with St Leonards Men’s Shed, TJ Sparks – Ana and

10.00 AM WELCOME TO COUNTRY

•

Wadawurrung woman Corrina Eccles, will welcome us in her native language and Norm Stanley Didge player will be alongside her.

10.15 AM OFFICIAL WELCOME

www.findgeelong.com.au

• • •

Darren Cheeseman MP Stephanie Asher Mayor of City of Greater Geelong Associate Professor Steven Moylan, Clinical Director, Mental Health and Drugs and Alcohol Services at Barwon Health

10.20 AM CHARLIE GREGORY • electric guitarist, extraordinaire 10.40 AM LITHUANIAN DANCERS • an original dance group to perform in the history of Pako Festa 11 AM SWEETHEARTS • High School, all-female soul band that revives and enlivens Soul, Funk & Blues with their trademark Sass 12.00PM DIDGERDOO • Didgeridoo Music by Michael Cussens and Liam 12.20 PM TBC 12.40 PM WILD MOVES DRUMMING • In 2019 they introduced “Hoodie Boogie”, a new song and dance about sharing our beaches with the hooded plover 1.00 PM WITH ONE VOICE CHOIR • With Renowned composer Kym Dillon 1.20 PM ALEXIS WARDEN • Accompanied by renowned composer Kym Dillon 1.40 PM WIDYALUVTARI • Local traditional Indonesian dance group 2 PM BARWON HEALTH TBC • Opening of Mental Health Month 2.30 PM LA VIDA SALSA • Local Cuban Salsa Dance group Speakers in the Lecture Theatre: 11 AM THE STREETS BARBER • Nasir Sobhani is not your average barber 12 PM lowercasepoetry • share a poem with Joshua Maxwell de Hoog & friends 1 PM SPOKEN WORD EXTRAVAGANZA • Express yourself 2 PM TBC

OCTOBER 2021 | FIND GEELONG

9

Speakers in Room D2.204: 11 AM CRAIG MORLEY • The Orange-bellied Parrot – a critically endangered species.

12 PM RENEWABLES NOT GAS • Think global, act local.

1 PM ABUSIVE RELATIONSHIP • Sandy J with support for women leaving an abusive relationship 2 PM BERNARD KELLY • hobby2income how, why when?

Speakers in Room D2.205: 11 AM THE CHOOK WHISPERER • Elaine Jane will have a few of her precious chooks with her 12 PM ONECARE GEELONG •

support and connection for locals who are in need

1 PM COLD + CONSCIOUS • Positive Mindsets through Cold Therapy 2 PM CATHY ROTH – PALZ • Professionals with Alzheimers and support for Alzheimers Exhibitors in the Gallery: Piano Bar Geelong Study Geelong Sandy J – Rise Up, support for women seeking to leave abusive relationships Geelong Field Naturalists Encompass Lazarus House Geelong Renewables Not Gas Soroptimists Geelong Barwon Health Palliative Care inclusion LGBTQI, Jen Walsh PALZ, Cathy Roth and Volunteering Geelong, Helen Hunter Belmont Toy Library Kardinia Rotary Club WILD – Women in Local Democracy Ability Disability Network – Kayla ABC Friends Geelong Grow – mental wellbeing peer support group AmAbility – Autism support One Fire Reconcilliation Group Rotary & Rotaract Clubs of Geelong Raise – mentoring of teenagers and young mums Liam’s Art Breatheablueocean Painter – Bridget Sweeney Word Art, Jae – myheadsajungle Mangroves from the Water, Zahidah Zeytoun Millie Helen Martin Artist Vicki Lee Clissold Artist Jo Mitchell Artist Emily Rastas Textile Artist Chloe Krivan Artist Deb Taylor Artist OCTOBER 2021 | FIND GEELONG

9

10

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

New Tougher Testing Measures For Those Seeking A Home Loan

By Warren Strybosch

If you thought, it was hard to obtain a home loan then it is now only going to get tougher. The Australian Prudential Regulation Authority (APRA), that supervises institutions like banks, has come out and stated that banks must increase the minimum interest test buffer when assessing home loan affordability/serviceability.

In a letter to authorised deposit-taking institutions, APRA has told lenders it expects they will assess new borrowers’ ability to meet their loan repayments at an interest rate that is at least 3.0 percentage points above the loan product rate.

This compares to a buffer of 2.5 percentage points that is commonly used by ADIs today. APRA’s decision, which reflects growing financial stability risks from ADIs’ residential mortgage lending, is supported by other members of the Council of Financial Regulators, comprising the Reserve Bank of Australia, the Treasury and the Australian Securities and Investments Commission.

Trade Surplus Surges To Another Record Exports rose by four per cent in August, led by a 17 per cent increase in cereal grain exports.

“Supply and production disruptions affecting key wheat exporting nations continue to create advantageous conditions for Australian exporters,” the ABS said.

Mineral fuel exports rose 16 per cent, led by strong demand for LNG from Asian customers as economic activity rebounds from COVID-related disruptions.

There was also a 13 per cent increase in coal products.

“The increase in thermal coal also coincides with strong energy demand in Asia, as well as reduced supply from other key thermal coal producing nations,” the ABS said.

By Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Economists had expected some moderation in the trade position as a result of the plunge in the iron ore price from above a record $US230 per tonne in May.

Australia’s international trade surplus surged to a record $15.1 billion in August, the third consecutive monthly peak.

The red metal was just under $US120 per tonne on Tuesday.

This compared with an upwardly revised $12.7 billion surplus in July and economist forecasts for a smaller $10 billion surplus in August.

“(Exports of) metal ores – including iron ore – fell by less than we expected, to be down by $0.7 billion, which was more than offset by broad based gains across the rest of resources,” Mr Hanlan said.

“Higher commodity prices have significantly boosted export earnings, driving the trade surplus to new record highs,” Westpac senior economist Andrew Hanlan said.

Imports declined one per cent in August, which Mr Hanlan thought could be supply chain disruptions impacting delivery timetables.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

11

Falling Job Ads Point To Unemployment Rise

By Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

Job advertising fell again in September, pointing to an unemployment rate above five per cent in the coming months largely as a result of the COVID-19 lockdowns in NSW and Victoria.

The ANZ job ads series fell 2.8 per cent in September, the third consecutive monthly decline, but were still over 20 per cent higher than their pre-pandemic level.

“The cumulative decline of 6.8 per cent over the past three months is only a tenth the size of the 64.4 per cent plunge between February and May last year, during the national lockdown,” ANZ senior economist Catherine Birch said.

“This is consistent with our expectation that the measured unemployment rate will only lift a little above five per cent later this year.”

However, he said the bank’s business liaison group found that many firms are seeking to hire workers ahead of the expected reopening in October and November.

As widely expected, the RBA board left the cash rate at a record low 0.1 per cent.

Dr Lowe reiterated that the rate won’t be increased until inflation is sustainably within the two to three per cent target, a condition that is not expected to be met before 2024.

Meanwhile, the prospect of leaving lockdowns has lifted the mood among Sydneysiders and Melburnians, but confidence in other parts of the country has turned sour.

Overall, the ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – rose 0.9 per cent in the past week.

It was the fourth consecutive weekly rise, taking the index to its highest level since mid-July. However, at an index of 104.6, it is still some way off its long-run average of 112.5.

The jobless rate currently sits at 4.5 per cent.

Reserve Bank of Australia governor Philip Lowe believes hours worked is the best indicator of the labour market at the moment, noting they declined by nearly four per cent in August.

The jobless rate currently sits at 4.5 per cent.

Reserve Bank of Australia governor Philip Lowe believes hours worked is the best indicator of the labour market at the moment, noting they declined by nearly four per cent in August.

“The restrictions on activity have had a significant effect on the labour market,” Dr Lowe said in a statement following Tuesday’s RBA monthly board meeting.

“With Sydney and Melbourne headed towards re-opening in the next few weeks, confidence increased in both cities by 4.4 per cent and 1.5 per cent respectively,” ANZ head of Australian economics David Plank said.

However, confidence in regional Victoria fell by 4.1 per cent, and there was a 2.1 per cent decline in Adelaide, while Brisbane tumbled by nine per cent and Perth dropped by 6.2 per cent.

The Australian Bureau of Statistics confirmed retail spending fell by 1.7 per cent in August, a third consecutive monthly decline.

But in its retail trade update for the month, it showed online spending soared by 15.1 per cent, a third month of double digit percentage gains.

“This elevated level of online spending is likely to continue right through to Christmas and Australians should make plans to shop earlier this year,” Australian Retailers Association CEO Paul Zahra said.

Separately, Australia’s construction industry saw something of a bounce in September as strong engineering activity more than offset further declines in house building and commercial construction.

The Australian Industry Group-Housing Industry Association performance of construction index rose 14.9 points to 53.3 in September, with the move above 50 indicating the sector is back in expansion territory.

“Looking ahead, the further easing of restrictions, and the resumption of work put on hold should see more decisive improvement in the sector in the months ahead,” Ai Group chief policy advisor Peter Burn said.

OCTOBER 2021 | FIND GEELONG

11

COVID Update Fair Work Commission: Employers Cannot Fire an Unvaccinated COVID Employee

By Warren Strybosch

There has been a lot of talk about whether an employer has the right to fire anyone who does not get vaccinated or has not been vaccinated by a certain date. Basically, you cannot, and all employers should read the Fair Work Commissioners decision regarding this matter.

As of the 1st of October, many health employees will have been required to take their first vaccination otherwise they will either lose their jobs or be placed on leave with or without pay.

By the 15th of October many other employees across Victoria will have to have their first jab to retain their jobs. Already, we have heard of many employees quitting their jobs rather than having to take the jab whilst some employers are stating their employees cannot work if they do not. One school has seen seven teachers resign just prior to VCE Exams starting.

The principal of the private school is finding it very difficult to replace those teachers at such short notice.

The issue employers face, over the COVID jab, is a dire one.

Do they fire their employees and face potential legal action for unfair dismissal or retain their employees and hope they do not receive a fine from the government?

The ruling by the Fair Work Commission [2021] FWCFB 6015 dated the 27th of September, 2021, has stated that it is unlawful for employers to fire any employee on the grounds of that employee not being vaccinated in relation to COVID. The commissioner has, in their ruling, stated that the COVID vaccine is different to other types of vaccines in that those who have been vaccinated can still get COVID and pass COVID on to others. The COVID was never designed to stop people getting COVID or stop the transmission of COVID to others. As such, the commissioner has stated that a better way to manage the health and wellbeing of employees and customers, is to continue to test staff and customers as they enter the business premises. In testing staff, you will be able to determine very quickly who does and does not have COVID. Whereas no testing could still result in vaccinated staff having COVID and passing it on to others.

The Fair Work Ombudsman has publicly stated that employers will need to have a “compelling reason” before requiring vaccinations, and that “the overwhelming majority of employers should assume that they can’t require their employees to be vaccinated against coronavirus”. (emphasis added) Safe Work Australia has publicly stated that “most employers will not need to make vaccinations mandatory to meet their [health and safety] obligations”. (emphasis added) The commissioner has made it very clear that, for most employers, it will be unlawful to fire staff if they choose not to take the COVID vaccine and she made it clear that employers who mandate vaccinations will be liable for any adverse reactions their workers may experience, given this is a foreseeable outcome for some people.

For employers, you are damned if you do and damned if you don’t.

To read the full decision and comments by the Commissioners go here: www.fwc.gov.au/documents/decisionssigned/html

Support Local, Buy Local, Discover Geelong Do you have photos from a local event or a great story you would like to share?

SEND US YOUR NEWS!

editor@findgeelong.com.au

COVID Update

Dan’s response after Fair Work Commissioner’s Decision: You can go get F*axxed.

By Warren Strybosch

A new vaccine mandate has been announced by the Premier days after the Fair Work Commissioner has made public her decision regarding employers and their right to fire staff if they do not get the jab. Dan has basically come out and said ‘in your face’ to her decision.

It is estimated that 1.25 million people will be now face the tough decision as to whether to get vaccinated and keep their jobs, quit, or get fired by their employers.

“Anyone allowed to leave their homes for work will need to have their first jab, if they have not had it already. We think a whole bunch of those people have already had a first dose.

And some will have had a second dose," Mr Andrews said.

"It's about protecting the freedoms that we're all trying to deliver and achieve, when we get to 70 per cent double dose, and 80 per cent double dose."

These employees have until the 15th of October to decide their own fates or have the decision made for them.

Already we are hearing of people quitting their jobs because they do not want to be forced to take the jab whilst some employers have indicated they will roll the dice, allow their unvaccinated employers to continue working, with the hope they don’t get a fine.

Employers are really caught up in the middle of all of this. Most employers don’t want to see their staff leave and are willing to risk their own livelihoods by not enforcing the mandate.

However, some employers see this as a good opportunity to get rid of certain staff and will not hesitate to fire them.

The issues employers face is a fine if they don’t obey or a claim if they fire their staff. It will be easy to track who is working and receiving wages as this information now flows through Simply Touch Payroll and into employee’s MyGov accounts.

The MyGov accounts also records who has and has not been vaccinated. As such, it will be easy to identify who is receiving wages without being vaccinated.

Then there is the issue of unfair dismissals.

The Fair Work Commissioner has come out and categorically stated that for most employers there is no reason to fire someone if they have not been vaccinated and to do so is unlawful. So, we can expect to see a significant rise in unfair dismissal claims being made throughout 2021. We also expect that government will face another class action over this matter either this year or next year.

Premier Daniel Andrews said separate mandates for those like teachers and construction workers would not change. “This is picking up all of those who were not specifically the subject of a vaccine mandate and making sure that they play their part in stopping the spread of this virus,” he said.

Government minister Jacinta Allan said new rules would apply to workers moving between metropolitan and regional areas.

Some workers who have had their first vaccine dose will be able to move between both those parts of the state, she said.

“That’s for large-scale construction and the state critical projects provided they also embark on an additional testing regime,” Ms Allan said.

“That includes surveillance testing and having a test at least twice a week to prove that they remain COVID free.”

In summary, essential workers will need to have their first jab by the 15th of October and their second jab by the 26th of November.

OCTOBER 2021 | FIND GEELONG

13

COVID Update

International Travel To Resume In November

By Warren Strybosch

We all might be able to travel as early as next month based on the announcement by the Prime Minister in late September.

Victorians have suffered the severest of lockdowns in the whole world with Australians been barred from exiting the country without an exemption since March 2020, two months after the first COVID-19 case was recorded in the country.

The plan is two allow ACT, NSW, and Victoria to be the first of the cab and travel overseas.

However, with WA

Premier Mark McGowan flagging the state's borders would remain shut, certain flights to Europe, that require a stopover in Perth, will not resume until their border restrictions have lifted.

Press Club.

Under the national reopening plan, all restrictions on travel to and from Australia were to be lifted at an 80 per cent doubledose vaccination rate in the 16 and over population.

What is yet known is if a 'vaccination passport' will be introduced by the Federal Government.

Tourism Minister Dan Tehan wants to see borders open by Christmas.

"It's another reason why everyone should get vaccinated," he told the National

"We have to stick to the national plan that will see our international border open up - at this rate by Christmas at the latest."

This is likely to be the case as it is one easy way of increasing vaccination rates in a country so desperate to travel.

"I do empathise with the Australians who have been denied the opportunity to travel overseas this year.

Home Covid-19 Tests To Begin From November

By Matt Coughlan

(Australian Associated Press)

Australians will be able to self-test for coronavirus at home from November provided a series of hurdles are cleared.

Therapeutic Goods Administration boss John Skerritt is confident rapid antigen tests will be available in homes from November 1. While no company has a kit ready for the Australian market, he believes several stars will align before the date announced on Tuesday.

Professor Skerritt said all tests granted approval for home use needed to be tested against the Delta variant. “It does seem that some of the tests – and I don’t want to name particular products, but some of them are quite significant products – are much less sensitive against Delta,” he told a Senate committee.

The TGA also needs all test manufacturers to ensure instructions are suitable for about a year-seven level of reading or people for whom English is a second language. Packaging must include a 1800-number to ring for advice on results or other issues with rapid antigen tests.

“We are still confident, because we’ve been holding hands with some of the most advanced companies for a few weeks, that by November 1 there will be products available,” Professor Skerritt said. Home rapid antigen tests, which can return results in 20 minutes, have been used overseas for months.

But Australian authorities have been cautious in expanding use beyond selected workplaces because of concerns around accuracy compared to nose and throat swabs.

The TGA’s November 1 approval date has been chosen to allow legal changes, as well as factoring in higher vaccination rates and disease as Australia opens up.

State and territory governments would have the power to compel people who test positive at home to get a PCR test.

Health Minister Greg Hunt is confident some of the more than 30 tests already approved to be used under supervision will be converted to meet the conditions for home use. “This is an important additional protection for Australians,” he told reporters.

“One of the important things is that we can supplement what is known as PCR testing – the testing that we all know if we go to a Commonwealth or a state clinic – with the home testing.”

COVID Update COVID-19 Relief Payments to be unwound

By Warren Strybosch

Those needing financial support will no longer be eligible for the disaster payment, regardless of whether a Commonwealth hotspot is in place, and instead will need to apply for another form of income support such as JobSeeker.

One piece of good news is that the Pandemic Leave Disaster Payment will remain in place until 30 June 2022.

This is paid when someone cannot work because they need to self-isolate or care for someone with COVID-19.

As Australia starts to reach its vaccination targets as part of the National Plan, the government believes it is time to start withdrawing the financial support they have been providing to many Australians since COVID hit our shores. With over $9 billion of payments made to date, and as borders start to reopen, and there is an end in sight to lockdowns, the government is hoping businesses will be able to rebound quickly and not require any additional support.

Support for business

When we reach 70% full vaccination

The small business hardship fund providing one-off grants of $20,000 for businesses that have suffered a 70% or more decline in turnover and were not eligible for other grants or funding, will reopen.

As soon as we reach 70% full adult vaccination in our state, the automatic renewal that has been in place will end and individuals will need to reapply each week to confirm their eligibility but only if a Commonwealth Hotspot remains in place.

When we reach 80% full vaccination As soon as we reach 80% full adult vaccination, the COVID-19 Disaster Payment will phase out over a two-week period.

Trigger <70% vaccination*

Disaster payment per week $750 - lost 20 hours or more for that week $450 - lost at least 8 hours of work $200 - on income support and have lost at least 8 hours of work

<70% vaccination*

Automatic renewal ends

<80% vaccination*

Payment reduced from first week

Week 1

$450 - lost at least 8 hours of work $100 - for those on income support who have lost at least 8 hours of work

Week 2

$320 - lost at least 8 hours of work

Each state and territory manages financial support to small business in different ways. For Victorian’s, the state government has distributed grants to businesses that have been jointly funded with the Commonwealth. For many of these grants, funding has been topped up in line with lockdown extensions.

The Business Costs Assistance Program will provide automatic top-ups to existing recipients across October and into the first half of November (two fortnightly payments between 1-29 October on a rising scale). Businesses that remain closed or severely restricted between 70% and 80% double dose will receive an automatic payment for the period from 29 October to 13 November.

Licensed hospitality venue fund recipients will also receive weekly top-ups in October of between $5,000 and $20,000, stepped according to venue capacity. Between 70% and 80% double dose, payments for licensed premises in metropolitan Melbourne will be reduced by 25%, and in regional Victoria by 50%.

Victoria is not expected to reach the 70% vaccination target until the end of October, and 80% in early to midNovember.

National The National Plan stipulates that interstate borders are to reopen at 80% double vaccination but this will depend on health advice at the time.

Generally, international borders will reopen at 80% double vaccination with Australian and permanent residents able to quarantine at home for 7 days. Unvaccinated travellers will need to stay in hotel quarantine for 14 days. Commercial flights will also resume for vaccinated Australians with Australia expected to implement a ‘red light, green light’ system like the UK to designate safe countries.

The Western Australian Government continues to play it safe and has stated that it will announce an easing of border restrictions once an 80% double vaccination has been achieved for those over 12 years of age.

*First week population +16 years of age reaches vaccination target OCTOBER 2021 | FIND GEELONG

15

COVID Update 16

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Melbourne Lockdown Dates Summarised: 2020 financial year, 2021 financial year, 2022 financial year.

Melbourne Lockdown Dates will be of interest to you if you’re a taxpayer living in Melbourne. The COVID-19 pandemic will mean that you’ve likely had to work from home due to the various Melbourne lockdowns. Some Melbourne taxpayers have been working from home since 31st March 2020, possibly earlier. As accountants and tax agents in Melbourne, we’ve asissted taxpayers in working out their working from home tax deductions for the 2020 tax return and 2021 tax return. With the lockdowns extending into the 2022 financial year, we will no doubt be assisting with working from home tax deductions in the 2022 financial as well.

To be able to work out your working from home tax deduction you will need to keep a record of the days from which you work from home. Every taxpayer’s circumstances will differ and not all Melburnians will have worked at home on the same dates throughout 2020 and 2021 financial years. However, the following guide will assist you by outlining the Melbourne lockdown dates from 2020 through to August 2021.

Melbourne Lockdown 1 dates: Tuesday 31st March 2020 to Tuesday 12th May 2020. A total of 43 calendar days.

This includes 6 Saturdays, 6 Sundays and two public holidays being Good Friday and Easter Monday. Therefore the total workdays during Melbourne Lockdown 1 is 29 calendar days.

Melbourne Lockdown 3 dates: Saturday 13th February 2021 to Wednesday 17th February 2021. A total of 5 calendar days.

This excludes 1 Saturday and 1 Sunday. Total workdays during Melbourne Lockdown 3 is 3 days.

Melbourne Lockdown 4 dates: Friday 28th May 2021 to Thursday 10th June 2021. A total of 14 calendar days.

This excludes 2 Saturdays and 2 Sundays. Total workdays during Melbourne Lockdown 4 is 10 days.

Melbourne Lockdown 5 dates: Melbourne Lockdown 2 dates: Thursday 9th July 2020 to Tuesday 27th October 2020. A total of 111 calendar days.

This includes 16 Saturdays, 16 Sundays, and one public holiday being ‘Friday before the AFL Grand Final’ on Friday 23rd October 2020. Therefore the total workdays during Melbourne Lockdown 2 is 78 days.

Friday 16th July 2021 to Tuesday 27th July 2021. A total of 12 calendar days.

This excludes 2 Saturdays and 2 Sundays. Total workdays during Melbourne Lockdown 5 is 8 days.

Some Melbourne taxpayers, such as office workers, may have worked at their workplace during part of Lockdown 2 from 9th July, 2020 to Wednesday 5th August, 2020. From midnight Wednesday 5th August, 2020 a hard lockdown was imposed on metro-Melbourne whereby only essential and permitted workers could leave home to attend work.

Melbourne Lockdown 6 dates: Thursday 5th August 2021 to End date to be confirmed.

COVID Update www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

17

Australia Hits 80% First Dose Coverage

By Matt Coughlan

(Australian Associated Press)

Australia has broken through 80 per cent first-dose coronavirus vaccination coverage on the same day as setting a new infection record.

All states and territories last week wrote to Mr Hunt urging immediate funding to ease health system pressure due to coronavirus and pre-existing demand.

The immunisation milestone for people aged 16 and over was reached on Tuesday morning with hundreds of thousands of people continuing to roll up their sleeves each day.

Mr Hunt said the Commonwealth was already picking up the bill for 50 per cent of all COVID-related hospital expenses.

But health authorities have warned people who have been hesitant, complacent or not worried about the virus that “now is the time” to get vaccinated.

More than 57 per cent of over-16s have received both doses.

Victoria’s 1763 new cases set a national record for any state or territory during the pandemic.

While infections in NSW are falling as jab rates climb, there were another 608 people who contracted the disease.

The ACT detected another 33 local cases and there were two in Queensland.

“You get the feeling sometimes that people are desperate for a fight,” he said.

“They cannot complain about vaccines so now they’re trying to create a diversion.”

National cabinet has received detailed briefings on how hospitals are likely to cope with increasing infection numbers.

Professor Murphy favours publicly releasing the 100-page document but the decision rests with the prime minister, premiers and chief ministers.

“It’s showing that we can cope with the predicted demand on our health system,” he said.

Seven deaths in NSW and four in Victoria pushed the national death toll to 1355.

Mr Morrison continues to pressure states to reopen borders at 80 per cent double-dose vaccination coverage, when international travel will resume.

Health department secretary Brendan Murphy launched a fresh appeal to unvaccinated people in COVID-free states.

He argues people from Melbourne and Sydney will be able to holiday in Bali or Fiji before Queensland or WA.

“If you’re someone who has been complacent, hesitant, not too worried because there’s no COVID – now is the time to make your vaccination appointment,” he told reporters in Canberra.

The tourism sector will have to wait until next year to welcome back international tourists.

“If COVID comes to a part of the country for the first time when there’s high vaccination rates the impact is quite minimal.”

Health Minister Greg Hunt rejected criticism the federal government had not adequately funded state hospitals ahead of cases rising further when restrictions are eased.

Prime Minister Scott Morrison accused the Queensland government of trying to extort money and shake-down politics.

Stranded Australians, skilled migrants and foreign students are higher priorities.

Australia has also clinched a deal for 300,000 courses of antiviral pill Molnupiravir, which is being trialled in the US. It can be taken at home to treat coronavirus, and has shown promising signs of slashing deaths and hospitalisations.

Australia’s medicines regulator will need to give the green light to the treatment.

OCTOBER 2021 | FIND GEELONG

17

COVID Update COVID-19 Support: Tax Quick Guide A quick guide to the tax treatment of

Table Legends:

Australian Government payments and help during COVID-19 for:

Yes:

No:

Read more:

Individuals Business

For individuals: Support

For

Taxable

Next Steps

COVID-19 Disaster

Individuals unable to earn income

do not include in your tax return

Payments

because state or territory health orders

if you have already done so, you should

prevent them working in their usual

amend your return

employment

Pandemic leave

Eligible individuals unable to earn

disaster payment

income because they:

include as assessable income in your tax return

must self-isolate or quarantine at home

Services Australia will advise you of the

are caring for someone with COVID-19

amount received

JobKeeper

Employees of eligible businesses

include as assessable income in your

Closed on 28 March 2021

and not-for-profits significantly

tax return

affected by COVID-19 that receive

at ‘salary or wages’ or as an ‘allowance’

an amount of JobKeeper

(or top up) for employees

For Business: Support Recovery loans to

For Eligible applicants

support businesses

Taxable

Next Steps do not include as ‘business income’ in your tax return

Payments to support

Eligible businesses affected

payments are taxable, unless eligibility

businesses

by COVID-19

criteria are met that will cause the payment to be non-taxable, read more

affected by COVID-19

GST does not apply

(for example, NSW 2021 COVID-19 JobSaver payment)

State government

Participating businesses affected

include as ‘business income’ in your

voucher subsidy

by COVID-19

tax return

scheme

GST reporting applies

COVID Update For Business: Support

For

Payroll tax relief

Eligible businesses

Land tax relief

Businesses provided land tax relief in states and territories impacted

by COVID-19

Rent releif

Commercial tenants in government-owned properties in some states and territories

Electricity rebates

Businesses offered the rebate

Taxable

Next Steps there are a range of factors you will need to consider, see Payroll Tax Relief

there are a range of factors you will need to consider, see Land Tax Relief

there are a range of factors you will need to consider, see Rent relief

do not include as ‘business income’ in your tax return reduce deductions for electricity by the rebate

Grants to support the

Eligible organisations in the

include as assessable income in your

creative economy

arts sector

tax return

Concessional loans to support the creative economy

Cash flow boost

GST does not apply

Eligible organisations in the arts sector

do not include as ‘business income’ in your tax return GST does not apply

Eligible small and medium businesses

do not include in your tax return,

and not-for-profits

read more

JobKeeper

Eligible businesses, sole traders and

include as ‘business income’ in your

Closed on 28 March 2021

not-for-profits significantly affected by

tax return

Child care Transition

Approved early childhood education

include as ‘business income’ in your tax

Payment

and care providers for 13 July 2020 to

return

27 September 2020

the payment is for a GST-free supply

Closed on 27 September 2021

COVID-19

Consumer Travel

Eligible travel agents and tour

include as ‘business income’ in your

Support

arrangement service providers

tax return

Applications closed on 13

GST does not apply

March 2021

OCTOBER 2021 | FIND GEELONG

19

COVID Update

Metro Melbourn

Victoria’s Roadmap: Deliver Summary of proposed restriction levels - How we work

Note 1: The settings below are indicative only and subject to change. All changes to the Chief Health Officer’s Directions are based on public health advice (includin

the specific risks to public health and changes/measures proposed. All directions must be reasonably necessary to protect public health and the Chief Health Office

Note 2: Cleaning, signage, record keeping, and other COVIDSafe requirements for work premises continue to apply for all venues and facilities with onsite operations to the public.

Note 3: All proposed easings from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination sta Note 4: APAW List will be dissolved at 70% 16+ fully vaccinated

Note 5: All proposed easing from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination stat

National Plan: Phase A Category

Travel

National Plan: Phase B

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Intrastate travel: • Must not travel further than 15km from place of primary residence, except for permitted reasons

Intrastate travel: • Must not travel further than 25km excep permitted reasons

Intrastate Borders: • May introduce new reduced quarantin arrangements for vaccinated residents from interstate (National Plan)

Education and Childcare

Work: • Only workers on the Authorised Provider and Authorised Worker (APAW) List may leave home to work.

Work: • Must work from home

Early childhood education and care: • Open to vulnerable and children of single parents and APAW workers.

• Only one parent or guardian (if two parent / guardian family) is required to be on the APAW List, either working away from home or working at home but no alternative supervision.

Early childhood education and care: • Open to children already attending • Open for children with fully vaccinated parent(s)

Schools: • In addition to children of Authorised Workers and vulnerable children • On 5 October, GAT students • From 6 October, on-site learning for VCE Unit 3/4, final year VCAL and IB students • From 18 October, on-site learning for: • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • Out of school hours care operating all days • On-site learning must have safety measures in place

Schools: • Vulnerable children • VCE Unit 3/4, final year VCAL and IB stud • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • From 26 October, on-site learning for: • Years 3 & 4 (Tuesday – Wednesday) • Years 5 & 6 (Thursday-Friday) • Year 7 (full-time, five days) • Years 8 & 9 (Tuesday – Wednesday) • Years 10 (Thursday-Friday) • Years 11 (full-time, five days) • Out of school hours care operating all • On-site learning must have safety meas place

ne

ring the National Plan

ng epidemiological evidence) and legal advice (including as to compatibility with the Charter for Human Rights and Responsibilities) at the relevant time, in light of

er (or delegate) must act in a way that is compatible with the Charter for Human Rights and Responsibilities.

s as per Workplace Directions and Workplace (Additional Industry Obligations) Directions. Density quotients (DQ) apply to all venues and spaces that are accessible

atus of patrons and employees, respectively.

tus of patrons and employees, respectively.

National Plan: Phase C

National Plan: Phase D

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

gy at the time

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

pt for

Intrastate travel: • Allowed

ne returning

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Intrastate Borders: • May exempt vaccinated residents from all domestic restrictions (National Plan); Work: • Work from home if you can OR, • Go to work if you are fully vaccinated • DQ2 for areas non-accessible to public Early childhood education and care: • Open

d

dents

Schools: • On site learning for all levels with safety measures in place

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

sures in

OCTOBER 2021 | FIND GEELONG

21

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Adult education: • Closed, remote learning only.

• Final exams to proceed enabled by APAW List.

Adult education: • Must learn from home, on-site learning f on, skills-based learning • Final exams to proceed enabled by APA prior to 26 October.

Places of worship

Religion: • No in-person gatherings permitted. Broadcast permitted (maximum 5 people in attendance).

Religion: • Fully vaccinated: Outdoor only DQ4, 50 • Unknown vaccination status: Outdoor o cap

Physical recreation

Physical recreation & community sport: • Outdoor personal training allowed with up to two people plus the trainer, or if fully vaccinated then up to 5 • Outdoor facilities open for contactless recreation • Five people allowed to broadcast workout instructions at a gym

Physical recreation & community sport: • Fully vaccinated: Outdoor only 50 cap, • Community sport permitted outdoors on training. Minimum number required for public gathering limits apply • Change rooms closed

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Closed, exceptions for hydrotherapy for essential medical care.

Swimming pools, spas, saunas, steam ro springs (indoor and outdoor): • Fully vaccinated: Outdoor only, DQ4, 50 • Changing rooms closed • Indoor pools, saunas, steam rooms clos exceptions for hydrotherapy for essentia care.

Community Facilities

Community Facilities: • Closed, unless hosting an essential public support service • Permitted for groups of 10 for essential support.

• Permitted to remain open for ‘click and collect’ purposes to facilitate loaning, and returning books, toys, and other items from these facilities

Community Facilities: • Fully vaccinated: Outdoor only, DQ4 50 • Hosting an essential public support serv permitted • Permitted for groups of 10 for essential s (vaccinated status does not apply).

• Can remain open ‘click and collect’

Creative Studios

Creative Studios: • Closed

Creative Studios: • Fully vaccinated: Outdoor only, DQ4, 50

Category

Education and Childcare

& sport (Includes indoor playcentres, indoor skateparks and indoor trampoline centres)

Swimming pools, hydrotherapy pools, spas, saunas, steam rooms, springs

map: Delivering the National Plan

gy at the time

for hands-

AW List from

cap only DQ4, 20

DQ4 nly for spectators

ooms and

0 cap

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

Adult education: • Learn from home if you can, on-site learning for hands-on, skills-based learning AND, • On-site if you are fully vaccinated, DQ4

Religion: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Unknown vaccination status: Outdoor only DQ4, 20 cap Physical recreation & community sport: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Community sport permitted indoors and outdoors with minimum number required for spectators public gathering limits apply

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Outdoor seated physical recreation and community sport: • Fully vaccinated: Lesser of 25% or 5000 per venue • Significant venues to be considered for larger crowds Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

sed, al medical

0 cap vice

Community Facilities: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

support

0 cap

Creative Studios: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

OCTOBER 2021 | FIND GEELONG

23

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Category

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Entertainment and

Entertainment venues: • Closed • Up to five people can attend an entertainment venue to broadcast a performance.

Entertainment venues: • Fully vaccinated: Outdoor only, DQ4, 50

Arcades, escape rooms, bingo centres: • Closed

Arcades, escape rooms, bingo centres: • Outdoor only 50 if fully vaccinated, DQ4

Drive-in cinemas: • Closed

Drive-in cinemas: • Open patrons must remain in cars unles accessing takeaway food or toilets

Amusement parks: • Closed

Amusement parks: • Fully vaccinated: Outdoor only, DQ4, 50

Casino: • Closed

Casino: • Indoor closed

Retail betting venue: • Closed

No change

Electronic gaming: • Closed

No change

Leisure

Entertainment and Leisure (cont)

Animal facilities (zoos): • Fully vaccinated: 25% capacity, indoor closed

map: Delivering the National Plan

gy at the time

0 cap spaces

4

ss

0 cap

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

Seated indoor and non-seated indoor entertainment venues: • Fully vaccinated: Indoors DQ4 and 150 cap per space.

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Outdoor seated entertainment: • Fully vaccinated: Lesser of 25% or 5000 per venue.

Indoor spaces DQ4 and 150 cap.

Outdoor non-seated entertainment (for example animal facilities): • Fully vaccinated: 50% capacity, indoor spaces DQ4 150 cap.

State significant venues to be considered for larger crowds Arcades, escape rooms, bingo centres: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap Drive-in cinemas: • Open, hospitality limits apply

Amusement parks: • Fully vaccinated: Indoors DQ4 and 150 cap per space, outdoors DQ2 500 cap per space Casino: • Fully vaccinated: Indoors DQ4 and 150 cap per space Retail betting venue: • Open with DQ4

Electronic gaming: • Remain seated • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Caps are not in addition to hospitality limits

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

OCTOBER 2021 | FIND GEELONG

25

COVID Update 26

FIND GEELONG | OCTOBER 2021

Victoria’s Roadm www.findgeelong.com.au

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

General retail

Essential retail: • Open, DQ 1 person per 4sqm Other/general retail: • Closed (contactless click and collect/delivery only).

Auction houses: • Closed (open for online only).

Essential retail: • Open, DQ 4 Other/general retail: • Open for outdoor service only (plus con click and collect/delivery).

Auction houses: • Closed (open for online only).

Hairdressing, beauty,

Hairdressing, beauty, personal care: • Closed

Hairdressing, beauty, personal care: • Fully vaccinated: indoors DQ4 and 5 pa

Food and drink facility • Open for take-away only, masks cannot be removed to consume food and drinks in shopping centres.

Food and drink facility • Seated service only • Fully vaccinated: Outdoor only, DQ4, 50

Food courts: • Closed • Takeaway only, mask cannot be removed indoors to consume food or drink

• No Change

Accommodation: • Closed, unless for permitted reasons, or shelter in place.

• No new bookings except for authorised reasons.

• An authorised worker is allowed to book accommodation if they are required to travel for their work irrespective of them being a Victorian resident or not

Accommodation: • Open for household, intimate partner a buddy

Category

personal care

Hospitality

map: Delivering the National Plan www.findgeelong.com.au

gy at the time

OCTOBER 2021 | FIND GEELONG

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

27

All Retail: • Open, DQ 4

ntactless

atron cap

0 cap

and bubble

Hairdressing, beauty, personal care: • Fully vaccinated: indoors DQ4 and 150 cap

Food and drink facility • Open for seated service only • Small venues: up to 25 people if fully vaccinated before DQ applies • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Food courts: • Takeaway only, mask cannot be removed indoors to consume food or drink

Accommodation: • Open in line with private gathering limits

OCTOBER 2021 | FIND GEELONG

27

COVID Update 28

FIND GEELONG | OCTOBER 2021

Category

Real Estate Services

Victoria’s Roadm www.findgeelong.com.au

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Real estate: • Single household can inspect vacated property (with agent outdoors) for end of lease or new purchase

Real estate: • Inspections: Single household can inspe vacated property (with agent outdoors of lease or new purchase • Commercial: single business permitted vacated premises (with agent outdoor) lease or new purchase • Marketing and staging services permitt

Auctions: • Fully vaccinated: Outdoor only, DQ4, 50

Tours and tour

Tours (e.g. walking tours, cycling tours): • Closed Tour transport (e.g. tour buses) • Closed

Tours (e.g. walking tours, cycling tours): • Fully vaccinated: Outdoor only, DQ4, 50 Tour transport (e.g. tour buses) • Closed

Visitor restrictions • No change

Visitor restrictions • Easing of Visitors restrictions

Hospital Visitors

Visitor restrictions • No change

No change

Veterinary and pet

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

• High risk industries to retain controls

Construction

No change – APAW list and restrictions remain in place

• Open with workforce caps increased 50 workers have all had their first dose vac • Other additional obligations otherwise unchanged • Vaccine mandate in place

Waste Services

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Wholesale trade &

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

transport

Care Facilities Visitors

care services

Repairs, maintenance and cleaning

warehousing

map: Delivering the National Plan www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

gy at the time

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

ect s) for end

Real estate: • IFully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

29

to inspect ) for end of

ted

0 cap

: 0 cap

0% where ccination

Tours (e.g. walking tours, cycling tours): • Open • Fully vaccinated: Outdoor only, DQ4, 50 cap Tour transport (e.g. tour buses) • Open • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Visitor restrictions • Easing of Visitors restrictions Visitor restrictions • Easing of Visitors restrictions • Open with COVIDSafe settings.

• Open with COVIDSafe settings and additional obligations

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

OCTOBER 2021 | FIND GEELONG

29

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Category

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Supermarket and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Agriculture

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Postal distribution

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Ports and freight

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Meat and seafood

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Manufacturing

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Professional sport

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Courts

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ2

Commercial

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations

Public transport

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings

Emergency and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Mining

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Utilities

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

food distribution

processing

and racing Arts and recreation services Media and film production

passenger vehicles

safety service Defence and national security Healthcare and social assistance

map: Delivering the National Plan

gy at the time

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings and additional obligations • Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 OCTOBER 2021 | FIND GEELONG

31

32

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Be wary of Property Spruikers and Fake SMSF Advisers ACCOUNTANT

By Warren Strybosch

If you have anything to do with a SMSF you, like me, are seeing a proliferation of Facebook ads promoting the use of a SMSF to purchase your home.

These ads are misleading as you cannot purchase your home which implies the house you live in. You are not allowed to purchase assets that you will personally use or gain benefit from directly or indirectly.

ASIC is also getting tired of property spruikers who are targeting individuals to set up SMSF for the sole purpose of investing in property investments and developments.

As an example, the corporate regulator, back in August, commenced Federal Court proceedings alleging a property development company provided unlicensed advice around SMSFs. In a statement, ASIC said it had issued Federal Court proceedings alleging the Property group operated an unregistered managed investment scheme and provided unlicensed financial advice to consumers.

The action follows the regulator obtaining asset freezing orders against the directors of the property group.

“ASIC alleges that between at least 1 March 2017 and 16 December 2020, [the directors] encouraged around 300 investors to establish SMSFs and invest in property investments and developments…,” ASIC said.

“ASIC is seeking winding up and disqualification orders and the appointment of liquidators and receivers to secure assets of the alleged scheme.”

This property group is now permanently closed for business.

Regarding financial advisors, it is important to make sure that they are licensed and have the appropriate qualifications.

Recently, a Victorian man who posed as an adviser and stole more than $2.7 million in life savings from relatives and associates through SMSF rollovers has been sentenced to eight years in jail. The advisor was sentenced to eight years and four months in jail.

Court documents reveal the fake advisor had used SMSFs as the primary vehicle in conducting several superannuation rollovers, which were set up to defraud victims. Once having access to the client’s funds, he took those funds and used them for his own personal use. He would then invite others to set up similar SMSFs, and use their money to pay back ‘dividends’ to the previous investors to make it look like they were getting a return. It was another classic “Ponzi Scheme” built around SMSF investors.

In victim impact statements, it was revealed the fake advisors actions had inflicted mental, emotional and physical harm, with most victims and their families were left in a position worse than ever before financially.

In the judgement, Justice Trapnell said the level of dishonesty that was shown towards close family members and others was “nothing short of breathtaking”.

“Your crimes were sophisticated, well planned and executed and involved sustained fraudulent conduct on your part. While there was an element of ‘robbing Peter to pay Paul’, your motive for committing these crimes was also to support your lifestyle,” Justice Trapnell said.

“The funds you defrauded were very quickly dissipated, and there is no evidence, on the agreed facts, that, in most cases, you ever intended to ever reimburse or otherwise compensate your victims.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

33

“While it is true some of your victims were not unsophisticated in matters of business and investment, they were nevertheless easy prey to your appallingly dishonest conduct. Some of your other victims were quite vulnerable.

The last thing to do is to ask if they have any specific qualifications related to SMSF. Please keep in mind that having the SMSF Specialist designation from the Association of SMSF, is not enough. All financial planners, those who are able to provide SMSF advice, are required to have a minimum “They have all suffered greatly as a result of your depravations, bachelor’s degree in financial planning (or at least trying to some losing their life savings. The serious breach of trust you obtain it by 2026), have passed the FASEA Exam by the end owed to your family members and clients is a significant of this calendar year, and be either licensed or an Authorised aggravating feature of these crimes.

Representative of an AFSL. If they do not meet these criteria, then we strongly recommend you do not deal with them.

When you are approached to set up a SMSF by property spruikers, an accountant, and/or a financial advisor, it is At Find Accountant, we provide SMSF tax advice. Our senior accountant important to check if that person or group are qualified to 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 provide such advice in the area related to SMSF. Warren Strybosch at Find Accountant Pty Ltd.

One way to check if someone has the correct license and appropriate qualifications is to visit the ASIC Professional Register. The Professional Register enables you to check if the person has a Financial Services Licensee or is an Australian Financial Services Authorised Representative. You can then click on the ‘Go to the Financial Advisor Register’ which will take you to the Money Smart website and provide details about the advisor. What you are looking for is to see if the advisor, under the product areas they can advise, has listed under ‘Superannuation’ the following wording: ‘Superannuation – All’.

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

Company Director Identification Number - Dates have been set Directors of new companies are required to obtain a directors ID but application deadlines have now been extended. For current directors the date has been set.

Visit the ABRS website for more information on how to register for a Director ID

The Government has issued Legislative instrument Corporations (Director Identification Numbers—Transitional Application Period) Instrument 2021. It extends the application period in which new eligible officers are required to apply for a director identification number (director ID) if the individual becomes an eligible officer in the period starting when the director ID legislation commenced and ends 31 October 2021.

It is important to note that when registering for a director ID you must obtain a MyGovID account which is different to your current MyGov account – just to add to the complexity of it all we will have multiply MyGov accounts.

Director identification number From November 2021, new directors will need to verify their identity as part of a new director ID requirement.

A director ID is a unique identifier that a director will apply for once and keep forever.

This applies to directors if their organisation is a company, registered foreign company, registered Australian body or Aboriginal and Torres Strait Islander corporation.

Directors must apply for their director ID themselves because they will need to verify their identity. No one can apply on their behalf.

The ABRS is responsible for the implementation and administration of director ID. ASIC will be responsible for the enforcement of associated offences.

For Existing company directors, they will now be required to apply for a director ID by 30 November 2022, while directors of Indigenous corporations that are governed by the Corporations (Aboriginal and Torres Strait Islander) Act 2006 (CATSI Act) will be required to apply for the unique identifier by 30 November 2023.

The deadline, first floated by Treasury earlier this year, has now been confirmed in a legislative instrument made last week by the Minister for Superannuation, Financial Services and the Digital Economy, senator Jane Hume.

Applications for a director ID are free and will open next month on the newly established Australian Business Registry Services (ABRS), a single platform administered by the Commissioner of Taxation that brings together ASIC’s 31 business registers and the Australian Business Register.

OCTOBER 2021 | FIND GEELONG

33

34

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Mastering Purposeful Conversation To Create Change

Observing is easy... if you know; • what to look for and • what to do with it ... (and then • how to communicate it) Internally, take note of your language – verbal and body. Be aware of how YOU communicate.

- Is your language empowering or disempowering? ... o Do you say “I can’t”? Could you say instead “I can” or “I’ll try” or add “yet”? o Do you use a calm, even tone? o Are your words ‘moving forward’ (focusing on future and change rather than what can’t be changed) o Do you speak with certainty and passion for what you’re saying? o Are you ‘active’ whilst talking? Facing person, eye contact, upright, attentive o How are you holding your head, arms, legs? Are you tense?

It’s up to you, the leader, to lead the way with the use of your words and to be visually ‘open’ in your stance. When you notice you’re communicating in a disempowering way, flip it, so that it empowers.

Externally- that’s your observations of others- look out for signs to see if they are uncomfortable. o o o

RESILIENCE COACH

By Sally Higoe

You’re a leader. The results you’re after aren’t quite there.

You observe the results. You observe your team. ...But do you observe yourself? ...And then, what do you do with all these observations?

Typically, the reason to observe is to identify if/where improvements need to be made, if a job is being done well and where more focus is required. The outcome is often that a change needs to be made - somewhere.

After identification, comes conversation.

I’m talking about effective conversations here. Ones that produce a result.

And before any conversation in the workplace takes place, it does begin with observation. We observe to define the purpose.

Conversations with no or little purpose go round in circles, loop, back track, meander and get off course. These types of conversations are distractions, far from productive and often time wasters, particularly for a high-performing team that is keen to produce results and stay on track.

In business, your conversations need to be energised and with purpose if you expect a positive result from them. The first part to improving your communication is to begin observing yourself.

Are they twitching, fidgeting, turning away?

Did they sigh or take a sharp quick breath?

Are they ridiculously still and not saying a word?

These tell-tale signs will bring awareness to how your conversation is going and the energy levels of the other person/ people... And these signs typically tell you that the conversation is going poorly.

Many leaders when they observe these ‘distant’ signs will begin to feel uneasy.

Don’t. Stand your ground and flip these results right now. (Continually bringing awareness and adjustment to this in the future). You need to breathe and start again.

The only value of communication is the response that it gets. This means that if you aren’t getting the outcome that you desire from your conversation, including if you feel you’re not being understood, then you need to change how you communicate.

That’s all. Make a conscious change.

The best way to do this is to ask questions; • First ask yourself... “Why are we talking about this?”, “What outcomes are we looking for?” ... bring yourself back on track.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

35

• Then direct your focus back to the conversation... o If with a team, identify what you observed, then ask “What outcomes are we looking for with this conversation?” o If 1 on 1, identify what you observed, and open up the conversation by asking “How is this moving us towards the outcome we want?”

-short staff issues, -high turnover and -rotating rosters.

•

In these situations, too many leaders will put process ahead of purpose. That means they put focus on getting the job done, just doing the job, rather than doing the job that would achieve the businesses’ higher purpose.

•

(HINT- If you have done the work in the beginning, and you are each aligned to the Company vision and values, you will both have the same desired outcome.

If your outcome is distinctly different to each other... you need to go back and lay the foundation.)

If you have to reallocate tasks or roles, here’s how to think about and tackle that;

What other great questions could you ask of your team that would-

The process – get help The purpose – get complex job done.

o

By asking these questions about outcome, you stop irrelevant chat and get people settled and focused fast. It builds trust in you as a leader, and it instils accountability and responsibility whilst encouraging solution focused thinking in your team.

Purpose first --- What are the outcomes we’re after In short, with this question, you establish an agenda. This approach can be very valuable in current times due to many businesses experiencing;

Set your team member up for success in this new task you’re asking them to take on, by encouraging thinking towards the higher purpose and asking the right questions. When you do this right, you’ll see the willingness of the individual to not only seek out ‘how’ but likely to also improve the current task/role!

Here’s some questions you could ask• What outcomes are we looking to achieve?

• How does this fit with your overall job of XYZ? • What will be outstanding about dealing with this?

• What new opportunities may exist after?

•

• •

o

What must be achieved, how will you know you’re tracking well?

How does this chat link with the business/team vision?

How does what we are discussing move us towards our goals Are we focused on purpose or process?

How will we know when we achieve the outcome?

assist them to take on jobs usually outside their role, and to empower them to potentially grow into a greater role/leader

For more discussion and tips around empowering your staff to embrace and excel in change, email me and let’s chat – sally@team-resilience.com.au

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

Click here to register

OCTOBER 2021 | FIND GEELONG

35

36

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Are You Buying A Property? – The Conveyancing Process LAWYERS

By John Van Beveren

Just like when you buy a car, conveyancing is the legal process that transfers the property title from the seller to the buyer.

Once you have explored the housing market, attended countless inspections and found the right property to buy, there are a few things to look out for when you are handed the contract by the Real Estate Agent. Is important that you check the contract carefully to ensure that everything about the property is understood and that there will be no legal surprises after you have purchased it.

Things to look out for in the Contract when buying You may come across different types of contracts of sales – each property has their own unique features. Make sure you read and fully understand all terms, conditions and fine print in the document before you sign.

Ask that any terms or conditions you verbally agree to are put into writing in the contract or agreement, so you know exactly what you are committing to before you sign.

If something is unclear, seek independent advice before signing. You should keep a copy of all documents you have signed as a record.

Finance Approval – If you are obtaining a loan to purchase a property, it is important to ensure you make the contract conditional based on obtaining finance approval by a certain date. This means that if something happens and you cannot obtain the right finance, you are able to opt-out of the contract without any consequences.

Building and Pest Report – It is also a good idea to subject the contract to obtaining a Building and Pest Report, especially if it is an established property.

This also allows you to end the contract when you obtain a registered building practitioner or architect and they find any major building defects, or if a pest control operator finds any major infestation.

Settlement Date – This is the date where the magic happens! Settlement day is when the transfer takes place, documents are lodged and registered with the Land Registry, the ownership is transferred from the vendor to purchaser, and the funds will be disturbed between all parties.

What is a Section 32 Statement?

A vendor statement (also known as a “Section 32 Statement”) is a crucial part of buying and selling a home. It provides the buyer full disclosure of the property and includes the following: • Title Search and Plan – A title search includes who are the current proprietors of the property, the property identification information such as Volume, Folio and Plan number and if there is currently a mortgage or caveat registered on the property. The plan of the land is also included to make it clearer which property you are buying into.

• Lease agreements (if applicable) - If there is a current lease in place on the property, the property may be sold subject to a tenancy agreement, and at settlement the purchaser may not be entitled to vacant possession of the property.

• Easements and Covenants – this informs buyers of any restrictions on how you can use the property.

There may be an agreement with an organisation permitting certain use of the land. For example, if there are any sewer mains vested in a Water Authority, you are not permitted to construct anything within 1 metre of the easement without obtaining the Water Authority’s approval • Financial matters to be disclosed - the amount of any rates, taxes, charges or other outgoings affecting the land for which the purchaser will become responsible for.

• Building Permits – the vendors are liable to disclose any building permit on work issued in the preceding 7 years.

• Planning Property Report, including matters relating to land use – zoning such as general residentials zone, the relevant government area and council.

• Owners Corporation - an owners corporation is responsible for managing the common property. If you buy into an owners corporation, you will be purchasing not only the individual property, but also ownership of, and the right to use, the common property as set out in the plan of subdivision. This common property may include driveways, stairs, paths, passages, lifts, lobbies, common garden areas and other facilities. The buyer is also responsible to take over any levies and fees associated with the Owners Corporation.

It is important for the Vendor Statement to be accurate and complete. They are actually a complex document that if not prepared correctly, can leave loop holes open that buyers may be able to use to avoid contracts. If it contains incorrect information, this can allow a buyer to withdraw from the sale of the property and take legal action.

The contract states you are responsible to ensure when you do your inspections before settlement that: • • • •

the Property is identical to what is described in the contract; the Property complies with all laws and statutory requirements; the condition and quality of the land, and the suitability for any improvements on the land; and if there is any presence of any contaminants in the ground water or presence of asbestos in the improvements made on the land.

What is the difference between a Property Lawyer vs Conveyancer?

Both property lawyers and conveyancers are able to assist in general conveyancing transactions such as buying or selling a home and transferring names on the Certificate of Title.

A property lawyer may be a more suitable choice as they are qualified to complete a number of things that cannot be legally completed by conveyancers.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

37

On top of completing the conveyancing process, lawyers can also provide legal advice to their clients, review contracts, include any necessary Special Conditions to protect your interest, and provide loan and trust advice. Lawyers have an extensive knowledge of the law and may be more suitable when handling complex or risky property transactions.

Take the stress out of Buying a Home If you are buying a property, we highly recommend taking advantage of pre-contract advice before signing a contract.

Contracts of Sale are lengthy legal documents with many pages of provisions. It’s important to appreciate their implications, and a lawyer will help provide an easy-to-follow explanation of what your obligations and rights so you can make a confident decision buying your property.

If you are selling a property, we also assist from start of the matter and prepare and create the Contract of Sale and Vendor Statement, all the way to settlement and finalizing the transfer.

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

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

OCTOBER 2021 | FIND GEELONG

37

38

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Exterior Home Colour Trends for 2022

For those who prefer a natural palette, earth-based colours – think beiges, greys and stone – can highlight existing features such as bricks, stone, paving, roofs, gutters, fencing frames and doors. You will need to balance colours carefully. Shades like warm whites, greys and greige (grey-beige) blend well with existing materials of a warmer hue; add splashes of contrasting colour to highlight other features such as doors and frames.

Greys and blues are also on trend for exteriors. The greys range from deep grey-greens to those that are soft and silvery. Blues show no sign of losing their popularity for seaside homes, but the tone this year is for a mellow grey that softens the common nautical look.

PAINTING & DECORATING

By Steve Dahllof

During the Covid lockdown, have you wandered outside and noticed that your outside walls could do with some brightening up? With the warmer spring weather and the days becoming lighter, homeowners often use spring as the time to repaint the exterior of their homes.

A fresh coat of paint can reinvigorate the whole house. You could breathe new life into your older-style dwelling by refreshing its normal colour or go wild and or make a bold statement.

Each year, paint companies and colour experts reveal their next-year picks for the shade that best encapsulates the current period. Their choices for colour of the year often draw on trends in pop culture, fashion, technology and design from around the world.

In the last two years, the Covid pandemic has certainly affected the way we live and has changed many aspects of decor.

Hunkered down and isolated, people have begun seeing their homes as a refuge, a place that celebrates family, and that actually got more traffic due to breadwinners and kids being home all the time. The trend seems to be the need to change homes to create warm and safe spaces in an uncertain world.

Colours for 2022 Colours evoke different sensations. This year, online searches for green paint colours have more than doubled since 2020, indicating that homeowners are seeking colours that are calming and soothing.

Houzz magazine reports that the trend for grey tones that has exerted its influence over exteriors and interiors over the past few years will be replaced by eyecatching pastels and saturated bright shades. Greys will be replaced with soft greens, whites and some bolder colours such as oranges, deep greens and blues.

This colour palette draws its inspiration from Australian native flora, such as the greens and soft pinks in our native eucalypts and is calming and restful.

The pastel palette works beautifully on weatherboard and rendered facades and coastal homes and it pairs beautifully with pale grey or white stone.

Contrast this with darker greens or earthy pinks for windows, doors and fencing.

Modern architecturally designed homes can look good in cooler tones for a more contemporary appearance. If you have a Victorian or Edwardian home, you might like to choose earthy clay tones paired with brown-black on gutters, window frames and fascia boards, with a dusky pink on the doors.

This looks stunning on brick or rendered walls painted white.

What colour goes where?

A colour card from the hardware store can’t really give you a sense of what colours are appropriate to your home.

You need to see the colours in all conditions – light and dark, wet and fine. Get a sample pot and apply a test patch of at least 300 mm where you want to paint. Leave it there for four to five days and check it through the day to see it from sunrise to midday to late afternoon.

It’s also a good idea to notice what plants you have in your garden, and even photograph them through the year. Imagine all the time and effort you put in to painting your house to discover that that beautiful shrub in your garden makes your newly painted frontage look muddy, not mellow.

Another tip is to look at the colour of your roof, driveway and pavers. Your choice of paint will need to combine well with such a large expanse of existing colour.

Whatever you choose, it will be there for years, so choose well!

For all painting advice, contact Dahllof Painting Services at sjd67@bigpond.net. au. We will be happy to answer your painting inquiries.

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

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

39

What is the Right Cover?

GENERAL INSURANCE

By Nicole Nelson

There’s no doubt that with all the different types of products and providers on the market, general insurance can seem like a bit of a maze. It’s common for people to worry about getting the right level of cover, having enough cover, or paying too much in premiums. However, avoiding it all together is not going to protect your valuable assets or help you quickly replace your possessions in the event of a break-in.

Insurance is based on the idea of transferring risk. If something unexpected happens to your home, contents, car or boat, the right insurance policy will ensure that you are compensated if you suffer a loss. Some people can get caught out with their policies when their insurance needs change and they forget to update them.

Getting the right cover If you don’t regularly re-assess your insurance requirements, there is a risk of having your assets underinsured. You may inadvertently leave something off your policy, or worse, find out after a theft, that your current policy doesn’t provide the level of cover you were expecting.

It’s recommended that you review the contents of your home every 12 months. This involves making a list of any significant purchases and then contacting your broker to add these items to your policy.

Reading the fine print and understanding the different types of cover are critical.

For example, some home insurance policies only cover defined events such as loss or damage from storm or fire.

Other policies only cover accidental loss or damage and normally have some type of exclusions.

•

Increase your excess: Some insurance companies will let you increase your excess in return for lower premiums.

•

Tighten your security: Installing extra security in your home may reduce your premium.

You should also check to see whether your policy will cover you for any damage from smoke, floods, earthquakes or malicious damage. Some policies do not cover properties while they’re being renovated or if they’re hit by something such as a car. Dig into the detail of your policy to check if all your valuables including items like jewellery or artwork are included. If they’re not, you may need to take out a separate policy.

•

Look for age discounts: Some insurers offer discounts for certain age groups such as 55-year-olds and over.

It’s also a good idea to assess how much it would cost to rebuild your home based on today’s costs. While it may have cost $150,000 to build your home 20 years ago, there’s no doubt it would cost more to rebuild it today. Remember to consider expenses such as cleaning up the site, paying an architect, the actual building work and alternative accommodation while your home is being rebuilt. Don’t forget to reassess your policy after any renovation work.

Tips for saving on your premiums •

Hold multiple policies with the same insurer: If you have two or more general insurance policies with the same company you may be entitled to a discount on your premiums.

This article provides general information and hasn’t taken your circumstances into account. It’s important to consider your particular circumstances before deciding what’s right for you. Although the information is from sources considered reliable, we do not guarantee that it is accurate or complete. You should not rely upon it and should seek qualified advice before making any investment decision. Except where liability under any statute cannot be excluded, we do not accept any liability (whether under contract, tort or otherwise) for any resulting loss or damage of the reader or any other person.

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

39

40

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Get Your Gear On The Bare Video Basics Series VIDEO CONSULTANT

By Zoë Wood

Welcome to the first of a 3-part series of articles outlining the basics of video production. Let’s start with what you physically need to create a video for your website, social media, or just to send privately to a friend or family member.

Video has come a long way from large bulky cameras only operated by professionals. You can now simply pull out a smartphone and be recording in the best quality without having to think that hard. Even professionals, such as myself, use mobile phone footage on expensive marketing campaigns. They are that good!

The first step is to work through the process of your message. What you are going to be saying in a video? Your message and intention are more important than any flashy camera or microphone set up. Since this is the area where people get stuck mentally, I thought it would be good to address it first.

You ultimately have 3 starter options when creating video: The Economical Option: This includes using your pre-existing smartphone.

Newer phones tend to have larger cameras for capturing video but most phones from the past five years should have the camera quality needed. Your lens should be clean from dust and be positioned at eye level by positioning it on a bookshelf, a pile of books or anything stable within your home. Filming should take place in a quiet room filled with soft furnishings, i.e. couches, cushions, or blankets. These can act as cost-effective sound treating to remove echoes. Finally, the filming location should have access to a form of indirect sunlight. This will help illuminate your face and anything you happen to be filming.

The Budget Option: Much like the previous option, this includes using your pre-existing smartphone. Ideally, one from

the last five years for the camera quality. Your lens should be clean from dust and be positioned at eye level. You can achieve this by using a tripod that you can get from any local camera supply store. While you’re shopping at places like JB HIFI and other audiovisual stores, you can also pick up an external microphone for your phone. Look for equipment labeled ‘mobile shotgun mic’ or ‘lavalier microphone’. Brands such as RODE tend to be reputable. You could also get a medium-sized ring-light, a light in the shape of a ring, to get that perfect even glowing skin.

The Semi-Pro Option: Building upon what we’ve collected from the previous two options. From here, we would be upgrading to a digital single-lens reflex (DSLR) camera. We would change out the above microphone intended for mobile use into one for use in a DSLR. Again, RODE tends to be a reputable brand. Lastly, we would purchase 3 more additional lights to be able to control the light in order to get the best shot.

These options prove that you can get started with little to no gear at all when starting videos. You have the power to do this. Your fans, your customers, and your employees will thank you for doing so.

If you liked this article, you’ll enjoy the rest of the series; “Chop, Change, and Edit Your Video,” and “Upload Yourself Online.” These will be made available over the coming months (November and December 2021), only in the Find Geelong magazine. See our upcoming videos on breaking down your video creation process, by searching Video Confidence Coach on YouTube, Instagram, Facebook, LinkedIn, and Twitter.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

41

RBA Not Budging On Cash Rate Until 2024

By Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

The Reserve Bank of Australia governor Philip Lowe is sticking to his long held view that the cash rate won’t be lifted before 2024.

As widely anticipated by economists, the RBA left the official cash rate at a record low 0.1 per cent following its monthly board meeting on Tuesday.

Dr Lowe reiterated the cash rate will not be increased until inflation is sustainably within the two to three per cent target range, saying such conditions will not be met before 2024.

“This contrasts with several other central banks that seem to be bringing rate hikes forward and arguably reflects more confidence on the RBA’s part that the current spike in global inflationary pressure is transient,” AMP Capital chief economist Shane Oliver said.

However, Dr Lowe remained fairly upbeat about the economic outlook beyond the current spate of lockdowns in the nation’s two largest states – NSW and Victoria.

“The Delta outbreak has interrupted the recovery of the Australian economy and GDP is expected to have declined materially in the September quarter,” Dr Lowe said.

“This setback to the economic expansion in Australia is expected to be only temporary. As vaccination rates increase further and restrictions are eased, the economy is expected to bounce back.”

“The fiscal responses by the Australian government and the state and territory governments have also been providing welcome assistance in supporting household and business balance sheets.”

However, he said there is uncertainty about the timing and pace of the bounce-back, and it is likely to be slower than that of earlier in the year.

Dr Lowe also gave little away about what the banking regulator, the Australian Prudential Regulation Authority, may introduce to take the heat out of the housing market.

“In our central scenario, the economy will be growing again in the December quarter and is expected to be back around its pre-Delta path in the second half of next year,” Dr Lowe said.

Among its policy toolkit, the RBA will continue to target the April 2024 government bond yield at 0.1 per cent, while buying bonds at a rate of $4 billion a week until at least February 2022 with the aim of keeping market interest rates and borrowing costs low.

Dr Lowe said the package of policies is providing substantial and ongoing support to the Australian economy.

“Borrowing rates are at record lows, sovereign bond yields are at very low levels and the exchange rate has depreciated over recent months,” he said.

He said housing prices are continuing to rise, although turnover in some markets has declined following the virus outbreak.

But housing credit growth has picked up due to stronger demand for credit by both owner-occupiers and investors.

“The Council of Financial Regulators has been discussing the medium-term risks to macroeconomic stability of rapid credit growth at a time of historically low interest rates,” Dr Lowe said.

“In this environment, it is important that lending standards are maintained and that loan serviceability buffers are appropriate.”

OCTOBER 2021 | FIND GEELONG

41

42

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

6 Novated Leasing Myths Busted SALARY PACKAGING SERVICES

By Dan Nicholls

Believe us when we say novated leasing is a good thing, but there is a lot of misinformation out there on how they work. Here, we bust some of the most common myths about novated leasing and explore the reasons why they are so beneficial.

1. Leases are expensive It’s quite the opposite. Novated leasing saves you money in many ways. If you finance a new car through a novated lease arrangement, you won’t pay GST. This can save you thousands of dollars upfront. Better yet, your novated lease can be structured so all your car running costs are bundled into one pay deduction. This includes costs such as fuel, maintenance and even insurance.

The deduction amounts are calculated using a combination of your pre-tax and after-tax income, so you are saving on tax and will pay less tax on your takehome income.

BUSTED!

3. I still have to pay running costs on top Unfortunately, no-one gets out of paying running costs for a car, but a novated lease can ensure you pay a lot less for them. Because your running costs such as registration, fuel, servicing, maintenance, insurance, roadside assistance and even carwashing can be included in your deduction amount, you’ll save a bundle.

Also, by having already had these costs deducted, you won’t put off having your car serviced or replacing the tyres, so your car will be safer for you and your family. You also won’t be paying lots of different parties to maintain and insure your car - this saves you time and hassle as well.

BUSTED! 4. I won’t own the car The car is yours as long as you make the repayments, just as a house deed is yours as long as you keep up mortgage repayments. Some people get confused by the term ‘lease’. The leasing terminology simply refers to the financial arrangement between yourself, your employer and the financier. At the end of your novated lease, you’ll have a range of options to finalise it. You can pay the residual amount and own the car outright, refinance and extend the lease, sell the car, pay the residual amount and start a new lease or trade the car in. Your salary packaging provider can help you decide what’s best for you.

BUSTED! 5. I must use the car for business purposes

2. It’s only available on new cars You can choose a used car and even if you have a loan arrangement on your current car, you can have a novated lease. By switching, you’ll save more on your repayments and every day running costs. Your salary packaging provider will work with your employer and financier to structure your lease so it is the most beneficial for your situation. There is a limit on the age of the car you can have on a novated lease which is usually no more than 10 years old at the end of the lease. After that length of time you are most likely to want to change your car anyway.

BUSTED!

Not true. While there used to be mandates on car leases that required you to drive a certain number of business-related kilometres, these stipulations are long gone. Your novated lease car may be used as part of a business arrangement

set up through your employer, or it could simply be your own personal use car.

Either way, novated lease cars have the potential to save you and your employer a whole range of car-related expenses.

Also, you get the car you want that suits your needs, not your employer’s.

BUSTED! 6. It’s all too complicated Novated leases can be complex in their calculations and initial setup, but let your salary packaging provider and employer worry about this. Novated leasing is a benefit your employer extends to you as a reward for your hard work. If you decide you want a novated lease on your new wheels or your existing car, the paperwork will be done for you and will just require your agreement.

Your repayment amount will also be automated to come directly from your income every pay.

BUSTED! Curious? Let’s Chat At The Salary Packaging People, we’ve negotiated thousands of novated lease arrangements across a range of cars.

Contact us or call 03 5229 4200.

Visit our website to review this article or follow us on social media.

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

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

43

Emotional Fitness – How to Create Your Very Own Emotional FITBIT LIFE COACH & COUNSELLOR

By Lou Lugsdin

We don’t often pay as much attention to emotional fitness as we do to physical fitness.

The thing is “when we hear of strength we immediately think of lifting weights or something to do with physical strength, it seems as if more focus is given to physical fitness and to a lesser degree on one’s emotional fitness. Emotional fitness must receive more attention because without it we can become emotionally, mentally and physically paralysed, unable to achieve the kind of success we deserve!”

Tony Robbins.

Our emotions and thoughts influence our behaviour and actions. “Supressing emotions is just like holding in gas. At first you think you can get away it, until your insides get all cramped and eventually you explode! The moral of the story – Let it all out, it’s what it’s designed for!” Matt Lavars, TCI. If we supress our emotions, it is likely that they will come out at an inappropriate time! We need to learn how to acknowledge our emotions and then release them. Release allows us to control them, not the opposite.

3 Core Elements of Emotional Fitness • • •

Focus Physiology Language

1.Focus – what you focus on, you will get.

Our focus – what we see, look for, think about, and tell ourselves determines our results. We need to focus on what we want, not on what we don’t want.

R = Response – How did you respond?

What meaning did you give to the event?

What story did you give to the event?

Write down how you responded in 1 sentence.

2.Physiology – Our physiology tells a story about us. The question is, is it the story you want people to be making up right now? Our physiology is made up of our body language, posture, stance, and expressions. How we stand, sit, and hold our bodies tells a story. If we are hunched over with our shoulders slumped and inevitably are looking down, our body is sending a message to our brain saying we may be feeling the heavier and more depressed emotions like; sadness, anxiety, anger, frustration, overwhelm and so on. Our physiological state has a direct impact on our psychological state.

O = Outcome – The result. What was the result for you? How did you feel as a result of your response to the event?

3.Language – The words we use also impact our experiences. We need to listen out for words like can’t, won’t, haven’t. These words are pressure words and prevent possibility! What we tell ourselves becomes our truth, so we need to choose our words carefully.

Now re-visit the event.

Event – Write down what happened in 1 sentence.

Response – Think of a different way you could have responded to the event.

What else could you have told yourself? Choose a new response. Write it down.

Outcome – What would be the new result considering your new/alternate response? How might you respond? How might you feel this time?

A Formula That Helps – An Activity That’s Helpful

• • •

E+R=O Event + Response = Outcome Activity – Think of an event that frustrated you – that caused you to feel emotional or to react

E = Event – What happened? Write down what happened in 1 sentence.

Lou Lugsdin MyY Life Coach and Counsellor 0408370757 info@my-y.com.au www.my-y.com.au

We are meaning making machines. Events happen in our lives. It’s helpful to be able to separate events from the story we give the event. When we get stuck in the story, we need to pause and go over it step by step and brainstorm alternate responses. Each response/story will provide a different outcome and emotional experience

OCTOBER 2021 | FIND GEELONG

43

44

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Win / Win for

LONGEVITY Negotiating Your Wins BUSINESS COACH

By Deb Fribbins

We spend our life negotiating in so many different ways. In business, with our families and friends, and in our pursuit for happiness in the various organisations or groups with which we belong. No matter the type of negotiation that you’re working through, the results that you’re looking for at all times, will be more beneficial if there is a win for both sides.

1. DEFINE what is that you “need” out of the negotiation. What are the minimum requirements that you’re prepared to accept as a win, what is the end result that is most beneficial to you and your business.?

What is your utopia? What impact will the negotiation have on other areas in your business?

There are five stages of negotiation to achieve the results that you want. The conversation you have may be crucial to your business or the person you are dealing with. Your business negotiations should be planned out thoroughly before you start the meeting. There are many factors to take into consideration The financial cost is often the only factor we consider. This can lead to failure if you do not consider physical, emotional and environmental considerations.

2. DETERMINE the parameters under which you are working.

Know your marketplace, know the value of the negotiation that you were trying to achieve, what are the market forces? Know the costs physically, mentally, and financially to the person or company you are negotiating with? Know the party with whom you will be negotiating. What are their limitations? Are you speaking to the right person? What are other benefits you may negotiate that do not cost either party, such as exclusivity, or pre-launch window of opportunity, or Gift With Purchase (GWP), or delivery, or service as applicable to your business.

In all negotiations there are two possible outcomes A. There is no win for you and the negotiations fail completely with no favourable outcome. B. You win on this occasion, but you don’t get the opportunity to go back for a second negotiation in the future. You burn your bridges for ongoing opportunities.

3. DEVISE a plan for the conversation, under which you’re able to negotiate. What are the minimum negotiating points that give you a complete win?

What are you prepared to relinquish to achieve a workable result? What are the implications to your business

and equally importantly your ongoing relationship?

4. DELIVER on those plans as you devised them, with thorough planning you will know what you are able to negotiate your way to a beneficial result.

5. DISSECT the planning stages with a mentor or coworker before you go into the meeting. Listen to their suggestions and possible adaptions you may need to make? Be fully prepared before you start the conversation.

Going through these 5 steps will enable you to be fully prepared for a favourable outcome. Maintaining good customer relations is just as crucial to the result as the negotiating the right price for customer relations and longevity of supply.

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

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

45

Could Future RBA Monetary Policy Changes Price Single Earner Property Buyers Out of the Market?

FINANCE BROKER

By Allan Houliston

The housing market, which is the main driver of the Australian economy has remained buoyant during the Covid-19 pandemic. There was an initial decline at the outset of the pandemic, but housing prices have recovered strongly since then. The housing credit growth has also seen a similar rapid rebound during the pandemic and is set to peak at an annualised rate of 11% by early next year. Record low interest rates are obviously a major contributory factor, which has made it easier for households to service their debts. Government incentives to support construction, such as the Homebuilder Grant have also allowed more people to transition from the rental market to property ownership, thus accounting for a partial increase in the national mortgage debt.

More recently there are signs that the rise in credit growth is now being driven by the purchases of existing dwellings.

This is of concern to several Australian economists, being that the current level

of household debt in Australia as a percentage of GDP is already second highest in the world. With the RBA suggesting that macroprudential measures to cool the property market’s rising prices could be on the cards for 2022, single-income earners looking to buy are being advised to consider entering the market sooner rather than later.

Mainstream media reports have now started emerging indicating that regulators are looking at debt-to-income limits as a lever to pull to reduce “risky” lending. Implementing debt-to-income limits (DTIs) would help to reduce the risk in the financial system and protect the economy, however, it could drastically hinder a borrower’s ability to purchase a home. According to the Australian Prudential Regulation Authority (APRA), “high” DTI ratios are those over six times income. This accounted for around 21 per cent of new lending in the June quarter of 2021.

Recently released statistics show that the average house price in the Geelong region has increased to $695,000 but the average annual income is $66,924.

Assuming that purchasers have at least a 20% deposit, then the DTI ratio would be over 8 x income. With the maximum loan to value in the market being 95%, this would push the DTI ratio for some first home buyers to almost 10 x income.

Some lenders in the market have already implicated changes within their application and borrowing capacity models to reduce the DTI to a maximum of 6 times income but could sweeping changes make this mandatory for all lenders who operate in the Australian marketplace?

The RBA can look to other economies throughout the world to see how similar changes have impacted the demographic of borrowers. In the UK for example, the Financial Conduct Authority implemented a regulation stating that no more than 15% of a lender’s applications can have a DTI ratio of 4.5 or above.

Research following this change has noted that UK mortgage lenders have pushed them away from first-time buyers and towards borrowers with larger loans. There was also an increase in the proportion of home movers and joint income applicants, who are likely to have higher incomes.

Limiting lending to 6 x income would be deeply felt in Geelong’s big brother Melbourne, where the median house price is now $1,022,927. With single borrowers and first home buyers already struggling to afford to purchase homes in the major cities, they are being pushed further out of Metropolitan areas to get a foothold on the property ladder. This could have the potential ramification of further increasing competition and prices in regional cities like Geelong.

The regulators certainly have a tough job ahead of them in maintaining a balance between housing affordability and ensuring that borrowers are not overly exposed in the eventuality of increasing interest rates.

OCTOBER 2021 | FIND GEELONG

45

46

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Problems Your Garage Door May Be Suffering In Spring GARAGE DOORS

By Chantal Djuric

When you hear of the term ‘spring cleaning’, you probably think of cleaning out cupboards, sweeping and dusting and possibly a few outdoor renovations.

One of your largest assets could also do with a spring clean – your garage door.

Here are 8 things to watch and listen out for.

1 Odd sounds If you hear your garage door making grating or scraping sounds, this could be an indication of a problem with the automatic opening mechanism. A regularly maintained, well tuned door moves smoothly and quietly. The springs, pulleys and cables on both sides of the door should be symmetrical.

2 Dirty tracks Check if the tracks on both sides are clear of rubbish and rust. Use a plumb level to measure that they are level.

3 Loose brackets A typical garage door opens and closes hundreds of times a year, even during Covid lockdowns. This up-and-down action can loosen the door and its brackets and fasteners.

4 Wear and tear on rollers and cables Rollers along the edges of the door should be inspected at least twice a year for signs of chipping, cracking or wearing. Cables and pulleys should have no fraying, broken strands or any other indication of wear or damage.

5 Sticking door All moving parts, such as pulleys, rollers and hinges, can seize up gradually over time. They need to be lubricated at least twice a year.

6 Door opener needs replacing often If your garage door is not properly balanced, this puts undue strain on the door opening mechanism, which reduces its lifespan. To test if your door is balanced correctly, pull the release handle on the automatic opener and lift the door manually till it is open halfway.

If it doesn’t remain still but slides down, it is unbalanced or the springs need replacing.

7 Auto-reverse not working As a safety measure, all automatic garage door openers have an autoreverse function designed to stop and re-open it if an object in the path of the door is detected or it hits something while closing. You can test if this is working by placing a piece of wood (without nails!) under the door and close it. The door should stop and reverse when it senses the wood. Older garage door openers that lack this basic feature should be replaced immediately.

8 Worn weather strip The rubber strip beneath the door helps prevent water, leaves, dust and dirt from entering your garage while keeping the temperature within regulated. Check its condition because, being made of rubber, it will wear out. One clue is to stand inside your garage (making sure you have an adequate exit plan!), bend down and see if light is coming through from underneath the door. This means there are gaps and that the rubber weatherstrip needs replacing.

How do I fix my garage door, and how often?

If you’re a weekend backyard hero, you may find it tempting to save a few dollars and attempt to address these problems on your own. But some of the problems are downright dangerous to try fixing on your own; the others may look easy to fix but are not. Each garage door make and model has its own specifications that require precision, the right tools and the right parts. Though garage doors look hefty, they have delicate mechanisms that require minute finetuning procedures to have them running at their optimal best.

If you make a mistake when trying to solve your garage door problems yourself, you could end up with a nasty Christmas bill by damaging the mechanism or, worse, possibly end up in hospital. Adjusting anything to do with a garage door at all is really best left to a qualified garage door technician.

We recommend you book a regular three-month service for your garage door, whether it’s a domestic or a commercial one. That way, you won’t even have to think about any of the above! You can sit back, relax and enjoy the spring, knowing that all the things your garage door needs will have been attended to by a trained specialist professional.

For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

Total and Permanent Disability (TPD) Insurance The odds

FINANCIAL PLANNER

By Mark Kruger

In the September FIND issue, we looked at Life insurance. TPD is the ‘other’ insurance that you will often hear about and will likely have if you have an industry fund.

Life insurance is intuitive – we know what it is there for and when a payout might occur – when someone dies. Whilst we don’t hear about TPD as much it is obviously important, otherwise it wouldn’t be offered by industry super funds. Nor would it be paired with Life insurance as it often is.

TPD effectively means you are never going back to work again, either in your own occupation or in a capacity consistent with your education, training or experience, depending on the definition of your policy. This could occur due to any number of situations: it could be a worst-case scenario accident where you are left in a wheelchair, or suffering ongoing neurological effects of a car accident, or chronic back pain, or mental illness. The list goes on.

When someone dies, the financial impact can be devastating. However, with TPD it’s usually worse.

The truth is that most people’s TPD need is greater than their Life cover need. Think about it. What would you want covered for your family if you died? Typically, this includes paying out the mortgage and other debts such as a car loan, covering basic living and education expenses etc. You would also factor in whether or not there are assets to sell to assist with this? There may be super, but should that be left for your retirement? This is a nonexhaustive list of questions but will get you thinking in the right way.

You are still alive and, by definition, are unable to earn. You are a financial liability.

With TPD all of those considerations still exist. But you are still alive and, by definition, are unable to earn. You are a

financial liability. You need to eat and turn on lights etc. There will certainly be upfront medical costs and perhaps ongoing medical costs. Will you need a special bed, wheelchair, will the house need a ramp installed, what about a specially-fitted car if you can still drive?

These are the things that TPD insures for beyond Life cover.

What are the odds of those events happening? They are perhaps pretty slim on a day-to-day basis. We hear about people acquiring cancer all the time, but not so much the ‘wheelchair’ kind of events. I can assure you it happens.

I have seen these events happen to people with and without TPD and the contrast is stark. I equate it to your house burning down – low probability (hence, relatively low premiums) but financially catastrophic, let alone emotional and logistical upheaval.

How much does it cost?

The answers to the needs questions above may quickly get you to some pretty big figures – a few hundred thousand dollars to $1-2 million of cover is not uncommon.

This may be offset by Income Protection if you have it. But don’t be alarmed by this.

As per the home and contents example, the cost is relatively cheap for what you are insuring for. It’s impossible to give a price as premiums will vary according to your age, health, occupation and premium structure as well as the level of actual cover you need.

I have TPD insurance in super.

You may have TPD insurance in super. But is it enough? This is often called ‘group’ super and is a notional amount of super that increases with age to middle age and then declines. It is often not enough to meet people’s needs and how can it be? The super fund doesn’t know your situation. Further, group cover is not usually fully underwritten, so you may not know that you aren’t necessarily covered for pre-existing conditions.

Further, beware that ‘own’ occupation cover is not offered by insurance funded

47

from super. That means you may be in a pretty bad way but the insurer may deem you still able to perform a role consistent with your education, training or experience. That means no payout and having to perform a role that might be very different from your usual job.

There is also the ‘ADL’ definition (Activities of Daily Living) which is even further restrictive. This means they won’t pay unless you are unable to perform at least a specified number of certain daily tasks such as feeding/bathing yourself. In short, the probability of a payout is even more slim than the ‘any’ occupation definition.

Payouts and tax.

Again, the devil is in the detail. Your insurance cover might be a nice chunky number but how will it be paid out? Will it come as a lump sum or an income stream? And what about tax? TPD payouts are treated differently than Life payout when it comes to tax depending on how and by whom the payout/s is/ are received. What you thought you were going to get may look very different to the reality.

The bottom line There are so many variables when it comes to TPD insurance. Speak to us to guide you through it and get properly covered.

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

OCTOBER 2021 | FIND GEELONG

47

48

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Acronyms – Part 2

BOOKKEEPER

By Mary-Clare Switz

Here is Part 2 of our Acronyms list! Last month’s and this month’s list are by no means exhaustive but are a good representation of commonly used acronyms in the business and financial services sector.

DJPR – Department of Jobs, Precincts and Regions Any business who has received a COVID business grant will have noticed this acronym on their bank statement

PPSR – Personal Property Securities Register This is a public noticeboard of security interests in personal property. The noticeboard is managed by the Registrar of Personal Property Securities. People and business can search the PPSR to find out if there is a security interest registered on personal property. For example, when you buy a car on finance the finance company will register a security interest on the car until the finance is paid in full.

DGR – Deductible Gift Recipients This is an endorsement for a not for profit entity that allows them to issue receipts for donations that can be used as tax deductions. The endorsement categories include health, education, fire & emergency services plus more. It is important to note that generally sporting associations are not eligible due to the rules for DGR. TPAR – Taxable Payment Annual Report This is a report a business will send to the ATO once per year reporting what subcontractors they paid in the financial year and how much GST was included (or not). This report is mandatory for business providing building & construction services, cleaning services, courier services, road freight services, IT services & security, investigation or surveillance services.

TPB – Tax Practitioners Board The TPB is a national body responsible for the registration and regulation of tax agents, BAS Agents and tax (financial) advisors. Any accountant, bookkeeper or financial advisor that offers services that

are regulated by the TPB (for example: income tax returns, BAS returns, advising on tax consequences) for a fee must be registered with the TPB. To check to see if your accountant, bookkeeper or financial advisor is registered with the TPB go to https://www.tpb.gov.au/ registrations_search.

STP – Single Touch Payroll STP is a relatively new(ish) reporting system that reports payroll to the ATO each time a payroll is processed. This system began in July 2018 for employers with 20 or more employees. From July 2019 all other employers came into the system (with extensions for closely held employees).

Every single payroll that is processed (called a “pay event”) must be STP reported either the day before payroll is paid or on the day it is paid.

Each time you report you are sending the Year to Date Gross wages, PAYG withholding superannuation accrual.

This information is fed to the employees’ myGov accounts and they will be able to see their updated Year to Date Gross and super accrual with several days (or

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

less) of the STP filing. At the end of the year, the business reconciles their payroll and submits a STP finalisation report to the ATO. Once this is done, employees will see their income from that business as “Tax Ready” and the income will prefill when the Tax Agent is completing their income tax return.

USI – Either Unique Superannuation Identifier or Unique Student Identifier

Most software providers, such as Xero, QBO, KeyPay, etc., offer STP compliant payroll.

STP2 – Single Touch Payroll 2 The ATO has been working on expanding what information STP will report. As of 1 January ,2022, STP 2 will come into effect BUT employers who starting reporting STP2 by 1 March 2022 will be considered as having met the 1 January 2022 deadline. Software providers are currently working on the update required to be compliant with STP2. There may need to be adjustments to the payroll setup … we are waiting for further details OTE – Ordinary Time Earnings This is the amount employers pay their employees for ordinary hours of work. It can include commissions, shift loadings (i.e. the extra paid for working on a Saturday). Overtime is not considered OTE. This is important to note as the superannuation guarantee is calculated on OTE and not overtime.

Unique Superannuation Identifier is a unique number allocated to a Superannuation fund. It can be very important to known the USI of a super fund when enter an new employee into payroll as some Superannuation fund companies can have multiple funds.

Unique Student Identifier is a number issued to a VET, TAFE or university student that is theirs for life.

HELP, HECS, VSL, FS, SSL, TSL – Higher Education Loan Program, Higher Education Contribution Scheme, VET Student Loan, Financial Supplement, Student Start-Up Loan, Trade Support Loan All of these are different means by with students can borrow money from the Commonwealth to support them whilst they are studying. New employees are asked to report on their Tax File Number Declaration form if they have one of these. All of them are repaid once the student is earning over the repayment threshold ($47,014 for 2021-22 income year) even if they are still studying. It is important to note that if someone with one of these debts has several jobs, each of which does not go over the threshold, the extra tax deduction from their wages will not be triggered, even if all of the wages

49

combined is over the threshold. An employee can choose to voluntarily increase their withholding to ensure they have enough deducted.

FEE-HELP

FEE-HELP is a loan program to assist eligible fee paying students for nongovernment places. The loan is paid directly to the institution on your behalf and a HELP loan debt is recorded with the ATO STSL – Study and Training Support Loans This is the grab bag term for the two sections above. The term is used on payroll reports to separate the additional tax withholding on an employee’s pay slip as well as payroll reports.

Mary-Clare Switz Bookkeeper BISCUIT BUSINESS SERVICES 0448 887286 mc@biscuitbooks.com.au

Biscuit Business Services Helping your business keep track of your bickies!

OUR SERVICES

MARY-CLEAR SWITZ Bookkeeper

CONTACT

BAS Services

0422 800 012

Bookkeeping & Payroll Services

mc@biscuitbooks.com.au

Business Services

7A 9A-11 Leather Street, Breakwater VIC 3219

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.

OCTOBER 2021 | FIND GEELONG

49

50

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Hot weather means insects It might be something you overlook, but there’s merit to understanding the surroundings and environment of your home. Warmer weather means more bugs - especially living in Australia.

Smoke Alarm ELECTRICAL OPERATIONS

By Mark Clutterbuck

With the weather warming up, mornings are getting lighter, and with the clocks jumping forward an hour, we know for sure its officially Spring! Spring is the perfect time clean up around the house and do all the tasks that wouldn’t come to mind during your normally clean, Like cleaning and maintaining your smoke alarms We don’t need to talk about why smoke detectors are important. However here are a couple of important tips to ensure that your smoke alarm investment is always protecting you and your family Beeping: What is Your Alarm Trying to Tell You? Maybe you remembered your smoke alarm because it just started beeping at you. Remember, this is not the ‘Everything is ok” alarm. Beeping indicates one of several problems that needs to be addressed immediately for the safety of your home. Here are the possibilities: •

The smoke alarm has become too dirty.

•

The batteries need replacing.

•

Your alarm is old. Most smoke alarms last 8-10 years. If you check the date of manufacture on the back of a beeping alarm and it’s more than 8 years old, it’s time for a new one.

You shouldn’t wait for your smoke alarm to beep to give it the attention it needs, but it happens. Here are some of the common issues we come across with smoke detectors that can be avoided with a little TLC. A build-up of dust There are essential sensors inside a smoke alarm that needs to be clean to function efficiently. A clean sensor can accurately respond to environmental changes in the home, i.e. fire and smoke.

When your smoke alarm isn’t working correctly, this poses a threat to your family. Dust, pet hairs and pollen are just a few elements that can build up on the sensor.

Dead batteries Smoke alarms make a ‘beep’ or ‘chirping’ sound when they have a low battery or are faulty.

Replacing them on short notice can be an issue. Make sure you have spare batteries in your house at all times in case of an emergency swap like this.

Many smoke alarms use a 9-volt battery, however in some states 10-year lithium batteries are used, so you should always follow the directions that came with your smoke alarm manual. Should your smoke alarm use a 9-volt battery, ensure that this is replaced annually.

Alternatively, an easy way to examine your smoke alarm batteries before it gets to this point is by holding down the test button until you hear a loud alert.

There have been cases of smoke alarms going off for no reason, and the battery didn’t need replacing. So why is this irritating sound still going off? Depending on your circumstances, you might have insects that have covered or clogged the sensor chamber. Clean your smoke alarms with a soft brush, wiping down the outside vents and vacuuming out the unit.

Humidity Ionization smoke alarms are susceptible to moisture. They can be a nuisance when placed near a bathroom or other humid areas. The water particles can interrupt the sensors and may not work, or go off at random.

To avoid this, use a microfiber cloth when spring cleaning your smoke alarms to absorb any moisture and to prevent further damage. Alternatively, some smoke alarms in your home may need to be relocated to avoid this from happening.

Why a Smoke Detector Needs to Be Clean There are critical sensors inside the smoke detector that need to be clean to operate effectively. A clean sensor can accurately respond to environment changes in the home. Many things can get inside a smoke detector—dust, pet dander, pollen—build up on the sensor, and block it from the environment it is trying to analyze. When your smoke detector is not running properly, this of course poses a threat to your family.

How to Clean Grab a step ladder and place it on a flat surface under the smoke detector.

Most smoke detectors in Australia should now be hard wired with 240v. It is not recommended to use any sprays for a damp cloth on smoke detectors. A simple wipe with a microfibre cloth is enough to remove any dust or moisture from the smoke detector How Often to Clean A smoke detector should be cleaned and have its batteries replaced every six months. Do a walk-through of your home and thoroughly clean all the smoke alarms and replace their batteries. After replacing the batteries, remember to test the smoke alarm to make sure it’s running properly.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

Think changing your batteries every 6 months is excessive? Many batteries will last longer than that in a smoke detector, but you want to be cautious with a tool that could save your family. If you think the batteries, you’re taking out still have some juice in them, save them and use them in appliances that aren’t life-anddeath.

Now that, that task is off your Spring cleaning to do list you can rest easy knowing you and your family are protected in the event of a house fire. But what if my house doesn’t have a smoke detector or my existing one doesn’t work.

Should I get an electrician to install a mains power smoke detector or just grab a 9 v special from the hardware store.

Something is better than nothing yes.

No Smoke alarms connected to 240 volt mains power (known as mains powered smoke alarms) are required in residential homes: ? ? ? ?

Newly built since 1997 Having undergone significant renovations since 1997 Sold since October 2009 Made available for rent or hire.

What to ask your electrician for when purchasing a smoke alarm Standards Australia Certification Smoke alarms in Australia are required to comply with the Australian Standard, AS3786. In Western Australia, newly installed smoke alarms must comply with

the current version of the standard AS3786:2014 (which is clearly marked on the smoke alarm).

10 year battery Some models come with a pre-installed non-removable 10-year battery, typically a lithium battery, which will last for the life of the smoke alarm. This means you don’t need to remember to change the battery each year.

Remember, even mains powered alarms have back-up batteries, so check they have a non-removable (or rechargeable) battery.

Test button This allows you to check the alarm is working. Some models can be tested by shining a torch on the alarm, or by using a household remote control (such as a TV remote). This eliminates the need to climb a ladder or reach up with a broom handle to press a button – especially good for high ceilings or if you’re not very mobile.

Hush button Pressing this button silences nuisance alarms for a few minutes – handy if you’ve burnt the toast and set off the alarm, as it gives you some quiet while the smoke dissipates. Some alarms can even be silenced by remote control.

Expiry date A visible expiry date is handy as all smoke alarms have a maximum 10 year service life. After that time smoke alarms

51

may fail to alert you when there is a fire, as their efficiency is compromised by the accumulation of dust, insects and corrosion of electrical circuitry.

WA legislation requires mains powered smoke alarms to be installed in houses that are rented, hired or sold. These smoke alarms must also be replaced every 10 years.

Interconnection Most mains-powered and some batterypowered alarms can be connected to each other so that if one goes off so do the rest. This means all occupants will be alerted to a fire in your home at the same time. If your home was built after the 1 May 2015, you are required by law to interconnect your smoke alarms.

Mark Clutterbuck Electrical Operations Clutterbuck Electrical 0414538394 mark@clutterbuckelectrical.com.au www. clutterbuckelectrical.com.au

Geelong Expert Electricians COMMERCIAL SERVICES

DOMESTIC SERVICES

Quality Service for Commercial Fit-Outs

Home Maintenance

Improving Existing Infrastructure

Domestic Electrical Repairs

Mark Clutterbuck

Property Improvements

Electrical Operations

CLUTTERBUCK has everything you need in a master electrician, whether it be for your home, office, business, or an area outdoors.

CONTACT 0414 538 394

mark@clutterbuckelectrical.com.au

www.clutterbuckelectrical.com.au

OCTOBER 2021 | FIND GEELONG

51

52

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Selecting Colours For Your Logo EMBROIDERY SPECIALIST

By Kerry Kaspi

Color can make or break a logo, your signature is something that you want everyone to see, like and capture their interest, needing to know more.

Keep in mind when your logo is for Hi Viz wear, lets say orange, change the text to a navy that trims your polos or work wear.

Choose colors that are suitable to the image you are trying to present.

If your using lime or yellow, change to the trim on your polos.

Corporate colors were once boring mainly consisting of maroon, navy, white and grey/black.

Many will do this and is common practice, and really makes the uniform work, perhaps one of the biggest tips.

These colors along with red and yellow make up 70% of business logos.

With over 1000 tones and colours we have the ability to make your logo look the best it can be.

Although the business logo has come along way.

When the decision is yours, how about using the shade of Navy as below? Maybe team it with a bright gold, still professional and eye catching.

On Navy or most colours, use these shades of Teal into the golds.

They look professional with many colours and designs.

Kerry Kaspi On Navy garments you could use the grey or the gold, brighten these hues to make an impact.

The light blue and white are a very popular choice amongst many business’, again, brighten the tone to make it work.

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

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

53

September’s New Vehicle Market Sales

Tim Dormin (Australian Associated Press)

AUSTRALIA’S TOP-SELLING VEHICLES AND COMPANIES IN SEPTEMBER: COMPANIES: * Toyota 20,216 vehicles * Mazda 6555 * Ford 5759 * Hyundai 5457 * Kia 5155 * Mitsubishi 4605 * Isuzu 4017 * Volkswagen 3791

VEHICLES: * Ford Ranger 4192 vehicles * Toyota Hi-Lux 3635 * Toyota Corolla 3487 * Toyota Rav4 3390 * Toyota Prado 2173 * Hyundai i30 2034 * Isuzu D-Max 1833 * Toyota Camry 1610 * Mitsubishi ASX 1489 * Hyundai Tucson 1416

* Subaru 3061 * MG 3010

Source: FCAI VFACTS sales bulletin

OCTOBER 2021 | FIND GEELONG

53

2021 TA Active asset test passed for "vacant" land used as storage Appeals note: The decision in the Administrative Appeals Tribunal was in favour of the taxpayer, allowing the use of the small business CGT concessions. The event was subsequently updated in January 2020 when the original decision was overturned by the Federal Court. In September 2020, the Full Federal Court then overturned the single judge decision, meaning the taxpayer once again may use the small business CGT concessions. The Full Federal Court advised that small business relief should be applied beneficially rather than restrictively for a taxpayer. The Commissioner of Taxation has not appealed to the High Court of Australia. The ATO issued a decision impact statement on 29 July 2021 where it will continue to review the impact of the decision on its advice and related products.

Current decision in case: Land adjacent to taxpayer's main residence was used in the taxpayer's small business, and therefore passes the active asset test. Editor's note: The overview below and client impact statement were originally preserved as written for the January 2020 update. This allowed users to have full visibility of the arguments and opportunities which were subsequently overturned. In this instance, the overview and client impact statement have been amended to take into consideration various issues

Announced: 21-Feb-2019 Updated: 4-Aug-2021

identified by the Full Federal Court, and how they may apply to future private binding ruling applications for your clients.​Residential land has been determined to be an active asset as it stored materials and tools for a taxpayer's business. The ruling from the Full Federal Court is in line with an earlier decision by the Administrative Appeals Tribunal, and has overturned the decision from a single judge appeal.This case is one of many which straddles the fence on whether unimproved land qualifies for as an active asset. In this case, the Full Federal Court concluded that the small business CGT concessions should be looked at beneficially for taxpayers, as is intended from the original legislation. The outcome of this case relies on the interpretation of "used in the course of carrying on a business" which is necessary for determining an active asset. The Full Federal Court has interpreted that this sentence does not use or imply restrictive language such as "ordinary course of a business" or "day to day running of a business".

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses, as well as relief from state taxes.

In response to the July 2021 South Australian lockdown: •

businesses with a reduction in turnover are eligible for emergency cash grants of up to $3,000

•

a second round of business support grants of up to $3,000 available for businesses in eligible industries

•

eligible events suffering significant losses from being cancelled or postponed can access funding of up to $25,000, and

•

individuals outside the federal government's declared hotspot areas who lose work hours will be entitled to the COVID-19 Disaster Payment.​

Announced: 26-Mar-2020 Updated: 13-Aug-2021

In addition to these grant payments to affected businesses, in the past relief from payroll tax and land tax has been available. In particular, smaller employing businesses have been given a waiver of payroll tax from March 2020 to May 2021.

Land tax deferrals were available to landlords during the 2020 land tax year. Also, landlords who provided rent relief, or commercial property owner-occupiers who were eligible for JobKeeper, were eligible for reduction in land tax liabilities up to 30 April 2021.

FBT car parking ruling confirms commerciality principle includes shopping centre car parks The principles of car parking fringe benefits and commercial parking stations have been confirmed by the ATO via public ruling. The ruling, which has now been finalised after a long consultation process, replaces a now withdrawn tax ruling from 1996. The ruling details the concept of a commercial parking facility, which is necessary for businesses with over $10 million turnover that provide car parking for free to staff. Specifically, a major change in the ATO's interpretation of a commercial parking station exists where a shopping centre car park comes within its definition. As there is a major change in interpretation, the ATO has advised that the new ruling will not apply to car parking benefits until 1 April 2022. Note: When the new rule comes into effect for shopping centres, the small business turnover threshold for car parking benefits will have increased from $10 million to $50 million.

Announcement(22-Nov-2019) Consultation period Released(13-Nov-2019)

AX UPDATES First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will be increased from $30,000 to $50,000. The increase is expected to apply from 1 July 2022 subject to royal assent of amending legislation. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. From 1 July 2018, any voluntary contributions

Announcement(10-May-2017)

up to $15,000 per year and $30,000 in total can be used for the deposit withdrawal. The withdrawal also

Consultation(4-Aug-2017)

includes deemed earnings on the voluntary contributions. The scheme is intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers in limited circumstances. Other

Introduced(7-Sep-2017) Passed(7-Dec-2017) Royal Assent(13-Dec-2017) Date of effect(1-Jul-2018)

proposed changes to the scheme look to improve its administration, including allowing individuals to withdraw or amend their application for release prior to receiving payment without losing the ability to reapply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Self-managed superannuation funds residency safe harbour to extend Planned amendments to the residency requirements for superannuation funds have been announced in the 2021 Federal Budget. The central control and management test safe harbour will move from 2 to 5 years. Another planned change impacting self-managed superannuation funds (SMSFs) is the removal of the active member test. The measures are expected to have effect from 1 July 2022, subject to the passing of legislation. The proposed changes will allow SMSF members to continue to contribute to their

Announcement(11-May-2021) Consultation

preferred superannuation fund while temporarily overseas. This mirrors the treatment for members of larger

Introduced

Australian Prudential Regulation Authority (APRA) regulated funds. The changes would likely also reduce

Passed

the compliance cost and burden for expatriate SMSF members or trustees. Specifically, the change will remove the need for them to set up a new account, add new members to the fund, convert or transfer their

Royal Assent Date of effect

super into an APRA-regulated fund prior to going overseas. The Australian Taxation Office has also issued temporary relief relating to super fund residency requirements to individual SMSF trustees or directors of its corporate trustees if they are stranded overseas due to COVID-19.

COVID-19 Disaster Payment now tax free he support payment for individuals who are unable to work during a COVID-19 lockdown are now tax-free, with the Treasury Laws Amendment (COVID-19 Economic Response No 2) Bill 2021 passing into law on 10 August 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 hot spot, depending on the hours of work a week lost by a person. The payment rate then was increased to $450-750 for residents of a Commonwealth declared hot spot during extended periods. As of 29 July 2021 the payment was announced as non-taxable.

The payment is also available to:

Announced: 3-Jun-2021 Updated: 24-Aug-2021

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

Individuals already receiving other Government support payments will see a non-assessable temporary supplement of $200 a week if they can demonstrate they have lost more than 8 hours of work and meet the other eligibility requirements for the COVID-19 Disaster Payment.

Queensland COVID-19 business grants and assistance In its response to the current COVID-19 lockdowns across July-August 2021, the Queensland Government has implemented support grants for businesses across the state. The support package is jointly funded by the Commonwealth and Queensland governments. Grants of up to $15,000 will be available to eligible small and medium businesses across all industries. Support payments of up to $30,000 will also be provided to eligible impacted large hospitality and tourism businesses. Applications for grants opened on 16 August 2021. Non-employing sole traders may also be eligible for a one-off $1,000 grant, with more information to

Announced: 8-Apr-2020 Updated: 25-Aug-2021

be released soon. A COVID-19 cleaning rebate of up to $10,000 has also been introduced for eligible small and medium businesses and not for profit organisations. Tourism and hospitality businesses have also been given the option to defer payment of their July or August 2021 monthly payroll tax liability for 6 months.

OCTOBER 2021 | FIND GEELONG

55

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

Not-For-Profit of the Month

Lids4Kids is a nation wide not for profit Charity, that was the initiative of Tim Miller from the ACT just over 2 years ago, we are run fully by volunteers,to save plastic lids from landfill and waterways. The project grew at a fast rate with collection points all over Australia popping up .

Our nationwide project being to rescue single plastic bottle lids from milk, water and soft drink bottles Type 2 and 4 plastics that can not be currently recycled through or curb side collection so it’s benefiting both environment and kids alike for generations to come. Once collected, all lids are sent to our Production plants around Victoria to be shredded and recycled and made into useful products.

Our Geelong based Western Victoria Lids4Kids Branch covers a large majority of Victoria and as such we have saved millions of lids from land fill,waterways and turned them into sustainable and useful products that make great unique gifts with each one being very unique with a one off look. We were also Honered to be the winner of this year’s anorgaral. Community Green Achiever Awards that was run buy City of Greater Geelong and to be in the running for the Sustainable City’s Award s currently being judged.

We have formed partnerships with a sole and Zero Plastics Australia in the region to help educate others including those at school level and to produce usable products to help raise both awareness and funds to go towards set up a micro plant hear in Geelong to sort lids to be production ready and be able to produce products locally.

If you would love to get involved we are always looking for people to join our team you can find us on Facebook Lids4kids-Western Victoria.with our website also coming soon. For a Full Catalog or to order any our sustainable product are available to purchase and help support our project.

By sending an email to the regional and State Coordinator teg Vella tegv63@gmail.com

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

Zero Plastics Australia Handmade Recycled plastic products Turning single use plastic into new beautiful, unique and practical products

Craft Sheets - $30

Proudly partnered with Lids4kids Australia and Southern Ocean Environmental Link

Quantity:

Hexagon Coasters

Quantity:

50cm x 30cm x 5ml NOT SUITABLE FOR CHOPPING BOARD! These sheets can be CNC and laser cut.

Colours available - Red, Blue, Green, Yellow, Black or any mix of these.

Colour:

Want a conversation starter at your coffee table than these caoster are for you.

Dishwasher safe

Colour:

Clipboards - $20

Colours available Light Mix or Dark Mix

Quantity:

Large comb - $10

Quantity:

Each clipboard measures 31 x 23cm and contains an average of 330grams of recycled plastic.

Colours available - Red, Blue, Green, Yellow, Black or any mix of these.

Colour:

With each comb having a unique look not only will these combs be an exciting addition for your pocket or handbag but so much easier to find.

Colours available Light Mix or Dark Mix

Colour:

Pens - $10

Quantity:

Small comb - $8

Quantity:

Colour:

With each comb having a unique look not only will these combs be an exciting addition for your pocket or handbag but so much easier to find.

Colours available Light Mix or Dark Mix

Colour:

16GB Flash Drive - $20

Quantity:

Dangles - $20

Quantity:

Hand pressed in our injection machine each individual USB has a unique look of beautiful colours and swirls.

Colour:

Showing the true beauty of what so many call waste our large range of handmade recycled plastic earrings

Colour:

Our pens come with black ink, and contain an average 12grams of recycled plastic per pen.

Colours available in Light mix or Dark Mix

Colours available in Light mix or Dark Mix

Colours available Light mix or Dark Mix

32GB Flash Drive - $25

Quantity:

Feathers/Diamond - $10

Quantity:

Hand pressed in our injection machine each individual USB has a unique look of beautiful colours and swirls.

Colour:

Showing the true beauty of what so many call waste our large range of handmade recycled plastic earrings.

Colour:

Colours available in Light mix or Dark Mix

Colours available in Light mix or Dark Mix

64GB Flash Drive - $30

Quantity:

Carabiner Clip - $6

Quantity:

Hand pressed in our injection machine each individual USB has a unique look of beautiful colours and swirls.

Colour:

Able to hold 3.5kg in weight, these durable recycled plastic carabiner clips come in handy for keys to clothes.

Colours available Red, Blue, Green, Yellow, Black or any mix of these.

Colour:

Heart Coasters - 4x $20

Quantity:

Keyrings - $5

Quantity:

Want a conversation starter at your coffee table than these heart coaster are for you.

Colour:

No order is complete without one of our Sea animal’s, Cars or Dinosaurs keyrings.

Shapes available - Turtle, Shark, Dolphin, Whale, Car, Trex, Brachio.

Colours available Light Mix or Dark Mix

Colour:

Colours available in Light mix or Dark Mix

Colours available Light Mix or Dark Mix

59

Each individual item is handmade in Ballarat, Victoria

Want that recycled plastic idea of yours brought to life? We can help!

OCTOBER 2021 | FIND GEELONG

59

60

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Decades Invites you to

of

Trivia

Friday 22nd October 2021

Join the Geelong Region Cancerians for a fun night and be part of The Decades of Trivia Fundraiser in your own home on your computer or laptop from 7:30pm to approximately 9:00pm for a new style of VIRTUAL TRIVIA NIGHT! ENJOY A LIVE HOST RUNNING THE SHOW with a variety of questions from your favourite decades, 70’s, 80’s, 90’s and 00’s, hosted by Grape Vine Events. You’re in for a treat!

The event will be full of fun and surprises.

The questions are fun, not too hard, maybe a little challenging at times.

Grab a wine and crackers or anti pasta as you like.

There will be a prize for 1st,2nd and 2nd last place and for the team with the best name.

Tickets are $11 each or $44 for a team of 6. Get a group of friends together for this fun night. Your ticket will be your entry into the door prize. Remember to reserve a ticket for each of the people participating in your team so they all have the opportunity to win the door prize.

Get tickets from https://grctriviadecades.eventbrite.com.au/ The Geelong Region Cancerians was formed in 2018 to raise awareness of the signs and symptoms of the third largest cancer in women in Australia - uterine cancer. This can be treatable if caught early enough. In excess of 3200 women in Australia every year are diagnosed with uterine cancer yet very few know anything about it.

Proceeds from the event presented by the Geelong Region Cancerians will go the Australian Cancer Research Foundation for research into all cancers www.geelongregioncancerians.com. au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

Laughter Club Geelong

61

Creating positive environments full of good health, harmony and happiness

Each week on a Saturday at 9:00am at Eastern Beach in front of the swimming enclosure Laughter Club Geelong meets for a free half hour of laughing out loud fun and enjoyment.

Having a good laugh while doing laughter yoga under a trained leader, connects people, and leaves them feeling happier, healthier and more resilient.

October is Mental Health awareness month. Research has proven laughter to be a quick easy way to lift depression. Learning to laugh about life relieves stress helping protect our mental and physical health.

A good laugh on a regular basis at Laughter Club is a happy way to better health and wellbeing.

Next year will be 20 years of running the free laughter club session each week for the benefit of the Geelong community’s wellbeing.

Phillipa Challis OAM

phillipa@livelifelaughing.com.au

0418 521 265

OCTOBER 2021 | FIND GEELONG

61

62

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Overcoming Trauma and Other Difficulties Previously I shared an article on maintaining a healthy mindset in the midst of difficulties. I explained how gratitude helped me overcome my trauma of being kidnapped at gunpoint as a young 20 year old teacher at Wooreen State School in South Gippsland in 1977.

The gunman, Edwin John Eastwood was an escaped prisoner from Geelong gaol, who had previously kidnapped the students and the teacher from the Faraday State School near Bendigo in 1972. My students and I were chained together. I was blindfolded and gagged. We were driven five hours away from the school and held at ransom. It was a traumatic experience.

How might someone deal with such an experience? How did I overcome that trauma?

As mentioned, my first practice was Gratitude. My second practice was to forgive my perpetrator. Forgiving Eastwood wasn’t straight forward. I had a lot of conflicting emotions and thoughts thrashing around in my head. But I knew that if I didn’t forgive, my healing would be severely hindered. Forgiving was like unlocking the chain that had been fastened to my wrist – this allowed me to move on with my life. If I hadn’t forgiven, it would have been like I was chained to my kidnapper for the rest of my life, dragging him around with a massive weight of anger, bitterness and resentment. It’s been described that un-forgiveness is like drinking poison yourself and waiting for the other person to die.

Forgiveness is NOT:

1. … saying what happened is okay or that it doesn’t matter. It’s not brushing the experience under the carpet or ignoring it.

2. … thinking that you will forget what happened. It may become less of an issue in our minds, but we don’t usually forget these hurtful things.

3. … suggesting that we will necessarily be best of friends again or even friends at all, unless it is a relationship that we want to continue with.

Forgiveness Is….

Forgiveness is letting go of any right we think we might have to stay bitter, resentful and vengeful. If I had hung on to those feelings, I would most likely have become a bitter and angry person – an abusive husband or father perhaps.

Forgiveness is a decision – a hard choice. We don’t normally feel like forgiving, it’s something we do because we know we need to for our own health. Often it is a process of forgiving over and over. It’s best spoken out loud with someone we trust.

Speaking well of the person who wronged us is not only a good indicator of how well we have forgiven but also a great way of helping ourselves think positively about that person.

‘Forgiveness is oil to a squeaky wheel’, so the saying goes. It’s healing and healthy.

All the best everyone. Kind regards.

Rob. LPS Chaplain.

Hunter.Robert@education.vic.gov.au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

63

Help out our friends that are still at the shelter!

This October we are asking our supporters to purr it forward and help the cats in shelter waiting for their happily ever after.

On average, it costs around $30 per day to support one cat in the shelter and cover the cost of essentials such as food, veterinary care, vaccinations, flea and worm treatment, a possible foster care stay, enrichment and everything else they need during their stay. This can easily add up to over $900 per month and varies greatly for each resident and length of their stay in the shelter.

We’re asking every animal lover to fundraise $300 to help out the cats still in the shelter.

Getting involved and lending a paw (or hand) is easy!

1. Set up a fundraising page 2. Ask their friends to donate 3. Share share share #purritforward

What are you waiting for?

Head to our website to create your fundraising page.

START FUNDRAISING

Make a donation instead!

Can’t fundraise but still want to help our friends at the shelter? No problem, purr it forward by making a donation.

DONATE NOW

Geelong Animal Welfare Society 325 Portarlington Road Moolap, 3224 Phone: 03 5248 2091 gaws.org.au OCTOBER 2021 | FIND GEELONG

63

OCTOBER 2021

Free Advertising

Religious Groups and Churches Services Times Public Notices

Geelong

1300 88 38 30

editor@findgeelong.com.au

Religious Groups and Churches

OCTOBER 2021 | FIND GEELONG

65

OCTOBER 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

www.findgeelong.com.au

Tip: Bigger is better when cutting out your

feather shapes, but try to keep them under 2 cm long (about the size of a tencent coin).

Step 6: Start pasting the ‘feathers’ on from

the tail up, as shown in the photo. Starting at this end allows the feathers to lie on top of each other in a realistic way.

Tip: Keep referring back to the photo of

your chosen bird while doing this step.

Step 7: Once you’ve added all the

The Alphabet Bird Project is an environmental art initiative that aims to engage children and their families with our region’s unique waterways and wetland areas by drawing attention to the needs of locally threatened species.

In 2020 and 2021, Grade 4 students from schools across Geelong created artworks representing the 26 waterway and wetland birds that are threatened in our region. The works collected as part of the project in 2021 will be featured at the National Wool Museum as part of the Geelong Nature Forum exhibition, while a selection of the 2020 work will be featured on the Green Spine until late November 2021.

This is a joint project with the Geelong Field Naturalists Club that has been supported by Geelong artist, Dr MaryJane Walker, from The School of Lost Arts

• •

• •

Scissors Magazines and coloured paper – house and garden magazines are best, as the pictures have large blocks of colour Glue A storage wallet or clip to collate your magazine clippings

Tip: Save paper by only printing the

Tip: Watercolour pencils are particularly

page you need.

Step 2: Paste your bird outline onto

cardboard, or a recycled cereal box, then let the glue dry.

Tip: Do not cut out the bird yet.

Step 3: Draw a rough outline of the bird’s

Tip: If you are making a collage, you

• • •

A printer A piece of A4 paper to print your bird outline Cardboard – A4-sized mediumweight (you could use recycled cereal boxes)

Alternative suggestion

If you don’t have any magazines or coloured paper, colour the birds using pencils and paints instead.

Printable instructions and bird outlines are available at the bottom of this page.

Materials required

face it out into the street to show your neighbours.

bird from the ‘A to Z bird outline’ PDF at the bottom of this page.

eye, as well as the lines that separate the main blocks of colour.

Before you begin: Choose an Alphabet Bird from the list provided on the SWIFFT website.

Tip: Stick your bird up in your room, or

Step 1: Print the outline of your preferred

Make your own Alphabet Bird

Once you’ve made your own, please share it with us on social media via the hashtag #alphabetbirds or email us at ebadmin@geelongcity.vic.gov.au

feathers, let the glue dry then cut around the outline of your bird. You may need help from an adult to do this. Now your bird is complete.

may want to label each block with the colour it represents. These will be covered over later when you paste on the paper feathers.

Step 4: Look through your magazines

and cut out pages with colours that match your chosen bird. These should be collated into a library of colour and clipped together, or placed into a storage wallet, ready to collage.

Tip: Looking at and selecting colours

is a great activity. See all the different shades and tones you can find for each colour.

Step 5: Cut simple teardrop or feathershapes out of your coloured paper.

good to use for this work, as you can ‘paint’ your bird with water after colouring, adding to the overall effect.

Learn about your bird Once your artwork is complete, go online and find out more about your bird. Look for: • • •

what your bird eats where it lives what you can do to help protect it.

Useful websites to visit include:

• • • •

SWIFFT –State Wide Integrated Flora and Fauna Teams eBirdAustralia birdlifeAustralia Our wetlands and waterways - City of Greater Geelong

Share your creation Once you’ve made your own, please share it with us on social media via the hashtag #alphabetbirds or email us at ebadmin@geelongcity.vic.gov.au We also encourage you to choose another of our Alphabet Bird outlines and create a whole new artwork.

www.findgeelong.com.au

Community members, the Geelong Regional Library Corporation, Wadawurrung Traditional Owners Aboriginal Corporation and other stakeholders were consulted during 2020 and 2021 on their aspirations, the project vision and final designs.

An open tender process found A W Nicholson Pty Ltd to be the best candidate, based on the tenderer’s project experience, expertise, value for money and project risks.

An increase in open space surrounding the library meets the objectives of the Drysdale Urban Design Framework.

The Drysdale Town Square will provide a public meeting space and activity spaces.

Innovative and sustainable Drysdale Library to take shape soon Community members are closer to enjoying a modern and accessible library in Drysdale, with the Council awarding the $7.592 million construction tender to A W Nicholson Pty Ltd. The library will be part of the new Drysdale Town Centre at Wyndham Street and will feature communal spaces, quiet study areas, an adult changing places facility, a green roof, an internal courtyard garden, a City of Greater Geelong customer service point and resource efficient systems.

The sustainable building has been designed to be a welcoming and safe space that’s open to all members of the community.

Low-carbon strategies are set to be incorporated into construction, which will begin in November.

The Greater Geelong Council has injected $8.656 million over four years into this project, alongside a $1 million Living Libraries Infrastructure Program grant from the Victorian Government.

Greater Geelong Deputy Mayor Trent Sullivan said the Council was proud to financially support the Drysdale Library, which will promote lifelong learning and social connection for generations to come.

“Libraries are more than just books and technology; they importantly increase literacy and foster a love of learning, and are a safe place to meet people, attend activities and develop new skills.

The Drysdale Library’s design is quite striking and will become a centrepiece of the township, with connected biodiversity sweeping from the surrounding parkland, into the gathering space and up to the building’s green roof.

This exciting project complements our planned investment in new libraries in Armstrong Creek and Lara, upgrades to Chilwell Library and our annual funding of the Geelong Regional Library Corporation, all highlighting the Council’s commitment to provide access to high standard libraries across Greater Geelong.”

Councillor Jim Mason, Bellarine Ward said the clever and creative building would be highly sustainable and accessible to people of all ages and abilities.

We thank the Victorian Government for supporting this worthy project.

The Drysdale Library is for the community and has been shaped by the community, including the Wadawurrung Traditional Owners, through insightful contributions on the design and purpose of the building.

Congratulations to A W Nicholson Pty Ltd on being awarded the construction tender.

The Hon. Lisa Neville MP, Member for Bellarine said,

“I welcome this announcement and look forward to construction beginning.

This project will initially deliver all important local construction jobs and for the future a modern and well-resourced library for the Drysdale community and surrounds.”

OCTOBER 2021 | FIND GEELONG

69

Do you have photos from a local event or great story would like to share? Email your events to editor@findgeelong.com.au and we will place it in the Paper for FREE.

SEND US YOUR NEWS!

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

71

Ron Caruci says “There is no currency in organisational life more valuable than trustworthiness”.

This webinar is presented by Sally Higoe, founder of 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.

Click here to register

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.

Sally is;

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 get insight in to the best leadership practices that will assist you to build a people focused business with certainty, structure, growth and a commitment to excellence.

• • • • • •

Internationally recognised with the International Coach Guild a Professional Trainer, a Credentialed Practioner of Coaching a Certified Practitioner of Meta DynamicsTM Level 1 Accredited Consultant for Extended DISC (individual profiling) and Level 2 Accredited Consultant for Extended DISC (team profiling)

Team Resilience Method’s courses and trainings are divided into 3 categories: 1) Leadership Coaching 2) Group/team coaching & 3) Team training/building.

For businesses who want to; •

Recharge and take it to the next level

•

Identify new opportunities

•

Take it up a notch and

•

Plan for change

You’ll explore the 3 fundamental areas that will allow you to develop a resilient business covering; • • • • • • •

•

where to focus, avoiding distraction how to constantly refine and adjust the pathway to get there the importance of thinking strategies for best results how to improve your peoples ability to think techniques for establishing and checking in on trust importance of best fit for roles and tasks the mindset strategies required to set-up the core systems and structures in your business to ensure stability, productivity, and sustainability how to improve in your business and innovate during difficult times

A key factor to build resilience is trust. This webinar will ensure you have the tools to strengthen trust across your entire business.

Free Online Event DATE and TIME Thu, 14 October 2021 9:00 AM – 10:30 AM Leadership for Business Resilience

by Team Resilience Method

Register

Follow OCTOBER 2021 | FIND GEELONG

71

72

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Two Feet & Heartbeat Walk - Geelong Charity walk and community market.

Two Feet & A Heartbeat is for HeartKids families to pay tribute to their heart kids and have a moment of reflection for our Heart Angels. The broader community are encouraged to join the walk-in support of our community and to raise awareness for congenital heart disease.

The event is a 4km walk in honour of the 4 lives lost each week to congenital heart disease. You can choose to do 8km in honour of the 8 babies born each week with CHD. There will be a COVID-19 safety plan in place with hand sanitiser available and social distancing in practice.

We look forward to welcoming you on the day. The event will be lots of fun and will include : Food Vans, Facepainting, Animal Farm, Live Music, Market stalls, Raffle and much more.

REGISTER HERE When 10 October 2021, 09:00 AM - 02:00 PM Where Bunjil’s Nest District Park

101-115 Armstrong Blvd Mt Duneed VIC 3217

Cost • Free & Ticketed areas: $0.00

Entry into community market is FREE

•

Participant Entry Fee: $1.00

Family ticket to the Heartkids walk $75

Contact Hannah Pearl

Email: hepearl@outlook.com Phone: 0407 850 005 Associated organisation: Heartkids Website: www.twofeetheartbeat.org.au Facebook: www.facebook.com

Sign up now to support your local health service!

When 14 November 2021 Where Virtual event Virtual event Contact Barwon Health Foundation Email: run4geelong@registernow.com.au Barwon Health holds a special place in the hearts of the people of Geelong and the Barwon Health Foundation are proud to again be able to host Run 4 Geelong in 2021 to provide Geelong locals the opportunity to support their local health service.

by signing up and completing your chosen distance. By registering 100% of your registration fee will directly support an area of your choice within Barwon Health and you will receive your iconic Run 4 Geelong t-shirt that we know you all love.

This year Run4Geelong will be hosted as a virtual event on Sunday 14th November and we are asking you to again support

Run 4 Geelong is a vital community event for Geelong that makes an immediate, positive impact on our local health service.

Phone: 4215 8900 Associated organisation: Barwon Health Foundation Website: http://www.run4geelong.com.au Facebook: https://www.facebook.com/ run4geelong

www.findgeelong.com.au

Picnics Unwrapped

PROTECT OCEANS BY HAVING A PLASTIC-FREE PICNIC

OCTOBER 2021 | FIND GEELONG

73

Cost: This is a free event Contact: Plastic Oceans Australasia Email: info@placticoceans.org.au Associated organisation: Plastic Oceans Australasia Website: https://picnicsunwrapped.org.au/ Facebook: https://www.facebook.com/plasticoceansaustralasia/

Picnics Unwrapped is easy and fun!

Host a plastic-free picnic this spring individually or as a team to raise awareness on the impact of plastic in our oceans while raising money for Plastic Oceans Australasia’s Education Program.

Website: www.picnicsunwrapped.org.au Contact: info@plasticoceans.org.au When Daily from 22 September 2021 to 15 November 2021 Where Various locations Wadawurrung Country, Anywhere you can host a picnic OCTOBER 2021 | FIND GEELONG

73

74

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Alli Sinclair - Character Relationships Writers Workshop *IN PERSON* This workshop is designed to bring your characters to life, give your story depth and create characters that will take readers on a memorable journey.

The relationships your characters have with each other can bring tension, romance, nostalgia, and intrigue to your story, but how do you develop characters that tap into these emotions and keep the reader engaged?

Participants will learn

• • • • •

The importance of different character relationships How to use character relationships to drive the story How to add tension in relationships How to develop three-dimensional characters How to use character strengths and weakness to create multi-faceted relationships

We’re hopeful that this in-person event may be able to go ahead as planned, however we encourage you to check the GRLC website for the most up-to-date information when booking.

When 16 October 2021, 10:00 AM - 02:30 PM

Facilities Wheelchair accessible Contact Geelong Regional Libraries Email: events@grlc.vic.gov.au Phone: 03 4201 0600

Where Online event Wadawurrung Country, Online Event - Zoom

Associated organisation: Geelong Regional Libraries

Cost This is a free event

Facebook: https://www.facebook.com/ geelongregionallibraries

Website: https://events.grlc.vic.gov.au/event/5417657

Lines to the Horizon: Australian Surf Writing *IN PERSON EVENT* From Gold Coast surf culture to the life and death relationships of humans to the sea; from surf travel in Mexico to Taj Burrow’s final campaign in Fiji, this collection features six authors writing about surf, and the ocean, in six very different ways. Their stories are reverential, energetic and mystical and between them cover thousands of kilometres of coastline, at home and away.

We’re hopeful that this in-person event may be able to go ahead as planned, however we encourage you to check the GRLC website for the most up-to-date information when booking.

When 21 October 2021, 06:30 PM - 07:30 PM Where Online event Wadawurrung Country, Zoom Webinar

Join Jock Serong and Mark Smith as they discuss the importance of a “literary culture around surfing”.

Contact Geelong Regional Libraries Email: info@grlc.vic.gov.au Phone: 03 4201 0600 Associated organisation: Geelong Regional Libraries Website: https://events.grlc.vic.gov.au/ event/5531197 Facebook: https://www.facebook.com/ geelongregionallibraries

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

75

Open Day:

Geelong Botanic Gardens Come and enjoy all that the gardens have to offer during their open day. Activities range from: • Behind the Scene Tours Join our Botanic Gardens staff on a behind the scenes tour of the Nursery. A rare opportunity to see areas usually off limits to the general public.

Runs every 30 minutes from 11:00am.

• Meet the Friends of GBG Wander through the gardens and meet the volunteers with guided tours and informative conversations at 11:ooam and 2:00pm.

Author encounters: •

Sally Learey, a local children’s author will be reading and signing her new book, Corio Bay Quest, at 11:00am, 12:00pm and 2:00pm.

•

Local historian, author and ex Curator of the GBG, Ian Rogers will be signing his new book and taking garden tours.

• Pop-up Art Expo Our Botanic artists have been busy all year creating life like expressions of flora through different mediums. Art work and gardening books are available for purchase.

When 10 October 2021, 11:00 AM - 03:00 PM Where Botanic Gardens Wadawurrung Country, 1-49 Garden Street, East Geelong 3219

Cost This is a free event Contact Ashley Filipovski Email: botanic@geelongcity.vic.gov.au Phone: 03 5272 4379 Associated organisation: Friends of Geelong Botanic Gardens Website: http://www.friendsgbg.org.au

OCTOBER 2021 | FIND GEELONG

75

76

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

2021 RCRA Large Scale Offroad RC State Titles 2021 Victorian 1/5th Scale Offroad Remote Control Cars Geelong Motorsport Complex 55 Beach Rd. Avalon Free entry for spectators Coffee Van Hot Dogs / BBQ / Cold drinks Daily Raffles When Daily from 30 October 2021 to 31 October 2021

Contact Andrew Park

Upcoming dates 30 October 2021, 07:00 AM - 04:30 PM 31 October 2021, 07:00 AM - 04:30 PM

Email: Admin@grcor.com.au

Where

Associated organisation: Remote Control Racing Australia

Geelong Motorsport Complex Wadawurrung Country, 55 Beach Rd. Avalon

Cost This is a free event

Phone: 0412856156

Website: http://www.GRCOR.com.au Facebook: https://fb.me/e/20wlA5hzt

Music and Street Serenades in the City - Spider Jazz You will want to learn to play the bass, cello, strings and singalong.

Please come prepared for the weather, performances are subject to weather.

When Various dates from 10 August 2021 to 14 December 2021 Where

Little Malop Central Wadawurrung Country, Little Malop Street, Geelong between Moorabool and Yarra Streets

Cost This is a free event Facilities Catering and/or dining If jazz is your style, you are in for a treat listening to funky soul Spider Jazz, featuring a mix of banjo, cello, guitar, a cool line up of one of Geelong’s finest jazz singers and musicians.

Spider Jazz are certain to entertain, delight with groovy jazzy beats and tunes of classics, modern pop fusion.

Indulge yourself listening to immersive jazz vibes, swinging their style in the heart of the City, laneways and on the streets.

Contact Helen O’Beirne Email: hobeirne@geelongcity.vic.gov.au Phone: 03 5272 4804 Associated organisation: City of Greater Geelong Website: http://www.geelongaustralia.com.au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

77

Bringing Up Great Kids the first 1000 days The first 1,000 days of life is a program for parents with children aged under 2 years and designed to nurture parents as they embark on their journey.

It provides parents with a knowledge about brain development and an understanding of how children grow and what they need.

The centrality of family relationships and opportunities for parents to reflect on their own childhood and how to connect with their children are all explored.

Register online now!

Where Online via zoom Online Cost This is a free event Contact Regional Parenting Service Email: rps@geelongcity.vic.gov.au Phone: 03 5272 4741

Geelong Arts Centre x Melbourne Fringe Takeover Cabaret, comedy and theatre (oh my!)

Whether you are after comedic gold, experimental theatre, or gritty and explosive drama, there’ll be something for you when Melbourne Fringe hits Geelong Arts Centre from October 13-16.

With fabulous acts including the likes of the everso-sassy Miss Cairo, renowned First Nations actor, comedian and singer-songwriter Elaine Crombie and trailblazing queer performer/director Margot Tanjutco, paired with the promise of extended evening spring sunshine (thanks Daylight Savings), what’s not to love?

With limited capacity in Studio 4, don’t miss your chance to jump back into live performance at your arts centre with a quirky twist that can only be described as “Fringe”.

Browse the eclectically exceptional line-up, and secure your seats now.

Dates: 13 -16 October 2021

Book now

Tel:1300 251 200

boxoffice@geelongartscentre.org.au

www.geelongartscentre.org.au

OCTOBER 2021 | FIND GEELONG

77

78

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

• • •

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!

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

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: https://www.geelongaustralia. com.au/gbg/default.aspx

- Nutrition Habit Change Webinar

• Register for this free webinar now Join us for an Eat Well, Live Well webinar on nutrition habit change with Mel Bald, The Passionate Nutritionist.

Mel Bald is a degree qualified nutritionist with a background in clinical nutrition and health coaching. She thoroughly enjoys educating others with practical tips on how to fuel the body, so it is nourished and performs optimally in order to get the most out of life. Mel will give you the tools you need to make healthy habits stick!

As part of this online event, participants will receive a hard copy of the City’s Eat Well, Live Well toolkit, a free resource with meal plans, recipes, and factsheets to develop healthy and sustainable eating patterns, habits and skills.

Bookings are essential.

When 11 October 2021, 11:00 AM - 12:00 PM Where: Online Cost: This is a free event Contact: Ella Ridgway Email: eridgway@geelongcity.vic.gov.au Phone: 03 5272 4813 Associated organisation: City of Greater Geelong Website: https://eat-well-live-well.eventbrite.com.au Facebook: https://www.facebook.com/ healthygeelong

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

79

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

Archie 100: A Century of the Archibald Prize n celebration of the 100th anniversary of the Archibald Prize, Archie 100 explores the history of Australia’s most prestigious portrait award.

The exhibition presents a diverse selection of Archibald portraits from the last century—the triumphant and the thwarted—and honours the artists who have made the prize the most sought-after accolade in Australian art today.

Archie 100 is an Art Gallery of New South Wales touring exhibition.

Geelong Gallery is the exclusive Victorian venue for Archie 100.

When Daily from 06 November 2021 to 20 February 2022 Where Geelong Gallery 55 Little Malop Street, Geelong VIC 3220 Cost • Adult: $16.00 • Child: $7.00 • Concession: $12.00 • Family: $40.00 Contact Geelong Gallery Email: assistant@geelonggallery.org.au Phone: 5229 3645 Associated organisation: Geelong Galler Website: https://www.geelonggallery.org.au/whats-on/

exhibitions/archie-100 Facebook: https://www.facebook.com/geelonggallery Twitter: https://twitter.com/geelonggallery Also at this location OCTOBER 2021 | FIND GEELONG

79

80

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

The Geelong Nature Forum ‘Where the Rivers Run’ celebrates the wonderful animal and plant life of our region’s rivers, creeks and wetlands, and the amazing volunteer groups who look after them.

•

The Work of Nature portraits by Doug Gimesy - celebrating local nature volunteers

•

Journey along the Barwon River infopanels

Update: The format of the Geelong Nature Forum has changed in response to current Covid restrictions. As we’re currently in lockdown, the Forum will no longer include the presentations or manned stalls on Sunday 26 September.

•

and more!

Tickets: The National Wool Museum admission prices will apply (see below) and tickets will be available for purchase at the door.

The exhibition with feature a variety of displays and art works including:

Activities: At this stage, we’ve also had to cancel the outdoor activity planned for the 25th September but we’re hoping Geelong Nature Forum activities scheduled for after 26th September will be able to go ahead, albeit at a reduced capacity. If the lockdown persists for a second week, we’ll likely have to cancel all activities.

•

•

There are currently 9 nature activities running between 28 September and 3 October.

•

Visit the Geelong Nature Forum Committee Eventbrite page to view the list of activities and to register.

Exhibition: When lockdown lifts however, the Geelong Nature Forum will be an exhibition, celebrating our waterways and nature volunteer groups, held in the National Wool Museum until 28 November 2021.

•

nature group displays showcasing the amazing work volunteers and environmental agencies do to look after and promote our waterways and wildlife The Alphabet Bird Project - a collection of art works by year 4 students portraying 26 species of waterway and wetland birds threatened in the Geelong Region

•

Bookings are limited to 8 people for most activities due to Covid restrictions.

The Geelong Nature Forum is a joint initiative, led by the Geelong Field Naturalists Club and the City of Greater Geelong, sponsored by the Department of Environment Land Water and Planning, Barwon Water and Corangamite Catchment Management Authority, and made possible thanks to the dedication of our wonderful community environment groups.

When Daily from 25 September 2021 to 28 November 2021 Where National Wool Museum 26-32 Moorabool Street, Geelong VIC 3220

Cost

• • • • • •

Adult: $10.00 Child: $6.00 Concession: $8.00 Family: $30.00 2 adults and up to 4 children Student: $5.00

Contact National Wool Museum Phone: 03 5272 4701

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

81

Riverside Farmers Market Riverside Farmers Market is a new initiative combining produce and crafted non-food products that support and compliment fresh food and artisan food products.

Featuring makers, growers, farmers, bakers and lots of other local food and supported products.

09 October 2021, 13 November 2021, 11 December 2021

Tel: 0407 411 198

info@southgeelongfarmersmarket.com.au

The Wines of South America Tasting

Join Archive owner & wine educator Graham Sutherland as he guides you through a selection of the wines of South America.

We’ll explore the diverse and unique wine producing countries of South America including Chilé, Argentina & Uruguay. We’ll taste some familiar varieties as well as some rarities that don’t often make their way to Australian shores. $65 per person includes 6 wines and nibbles Dates: 21 October 2021 Cost: All tickets $65 per person includes 6 wines & food pairings Book now Tel: 03 5241 9030 shop@archivewinebar.com.au www.archivewinebar.com.au

OCTOBER 2021 | FIND GEELONG

81

82

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

The lunch includes antipasto plates on arrival, Chefs selection of share platters of slow cooked meats, seasonal vegetables, and all the trimmings, a selection of petit fours, two hour return bay sail.

EXPLORE TRAVEL RELAX

Select Saturday departures from Sorrento. Each lunch will feature a producer from either the Mornington or Bellarine Peninsulas.

Captains Lunch Aboard Searoad Ferries Food and wine lovers will love Captains Lunch on the Bay. A relaxing two hour lunch – a shared grazing table of regional produce and slow cooked meats consisting of large servings and a communal table encouraging the spirit of eating together.

Dining is in the Portsea or Lonsdale Lounge on board the ferry as it sails between Sorrento and Queenscliff. Sail pass clifftop mansions, historic fortifications and spectacular coastline as you cross Port Phillip Bay. Perfect for couples, groups of friends or a community group get together.

02 Oct 2021, 06 Nov 2021, 04 Dec 2021

Book now

Tel: 03 5257 4500 travel@searoad.com.au www.searoad.com.au

From Sunbury Pop Festival to Countdown, hear the songs and listen to the stories. Come and remember this amazing decade in Australian and overseas music.

Whether you were a twinkle in the eye, baby, child, teenager or adult in the 70s, you won’t want to miss this show.

Pl@n B will take you back to life in Australia in the 1970’s so jump in your car, we want to take you there.

Living in the 70’s when love is in the air.

Date: 09 November 2021 Cost: All tickets $17.00 Book now

Tel: 03 5251 1998

potatoshed@geelongcity.vic.gov.au www.geelongaustralia.com.au

Pl@n B Sings the Hits

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

83

Geelong Big Boys Toys Expo The Ultimate Outdoor Adventure Show.

Showcasing the very best in Boats, Jet ski’s, Fishing Tackle, Caravans, Campervans, Cars, Utes, Bikes, Motocross, ATV’s, Sheds, Tools, Energy, Wheels, Trucks, Classic Cars.

You can expect nothing less than an action packed expo featuring all your favourite exhibitors, interactive stands, delicious food and something for the whole family including an array of exhibitors.

You will not find a bigger collection of big boys toys products available for purchase at any one place, it’s all going to be here!

When Daily from 05 November 2021 to 07 November 2021 Upcoming dates 05 November 2021, 10:00 AM - 06:00 PM 06 November 2021, 08:30 AM - 05:00 PM 07 November 2021, 08:30 AM - 05:00 PM Where Geelong Showgrounds 77 Breakwater Road, Breakwater VIC

Cost Adult: $20.00 Child: $15.00 Contact Lance Collyer Email: lance@bigboystoysexpo.com.au Phone: 0455055378 Associated organisation: Big Boys Toys International Facebook: www.facebook.com/events

Geelong Gallery is the exclusive Victorian venue for Archie 100.

Dates: 06 November 2021 - 20 February 2022 Adult $16.00 - $16.30 General admission Concession $12.00 - $12.30 Please present valid concession card upon entry. Concession ticket prices apply to Australian Pensioner, Healthcare card, Carer card and Full-time student cardholders.

Member $10.00 - $10.30 Please present a Gallery membership or reciprocal card upon entry.

Child $7.00 - $7.30 Children five and over will require a ticket for entry. Children under five are free.

In celebration of the 100th anniversary of the Archibald Prize, Archie 100 explores the history of Australia’s most prestigious portrait award. The exhibition presents a diverse selection of Archibald portraits from the last century—the triumphant and the thwarted—and honours the artists who have made the prize the most sought-after accolade in Australian art today.

Archie 100 is an Art Gallery of New South Wales touring exhibition.

Group $14.00 - $14.30 Group bookings of 10 or more people.

Family $40.00 - $40.30 Two adults and two children

Book now

Tel:03 5229 3645 OCTOBER 2021 | FIND GEELONG

83

84

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Big Bike

The Film Night 2021 - Geelong

Lock this on your bike radar Geelong; they’re riding into town.

What’s the Big Bike Film Night all about?

Sharing the best cycling short films from around the world with you.

Showcasing their 2021 collection that has everything a cycle-centric audience could want - action, drama, humour, and plenty of inspiration; the evening is unashamedly and utterly, utterly, utterly designed and devised for the two-wheel devotee.

These short films are a great reminder of why we love to ride our bike; with stories that captivate us, stories that make us think, and most importantly of all inspiring us to get out and ride. All celebrate the fun, adventure, and joy that cycling enables.

Cost: Adult $26.50 Under 17 year olds and Under 12 year olds have tickets priced for them.

So...listen to the voice inside you; it’s telling you to go. Grab your mates, grab your tickets, go on… grab your bike and come along for the ride.

info@bigbikefilmnight.nz

Dates: 25 October 2021

www.bigbikefilmnight.nz

Into the Woods Jr.

Book now

Into the Woods Jr. 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 Dates: 05 November, 06 November 2021

• • •

Adult $15.00 Concession $12.00 Family $12.50 Book now

Tel:03 5251 1998 potatoshed@geelongcity.vic.gov.au www.geelongaustralia.com.au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

85

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/

OCTOBER 2021 | FIND GEELONG

85

86

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

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 pre-book.

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.

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.

When 20 October 2021 Where Geelong Racing Club

99 Breakwater Rd, Breakwater VIC 3219 Contact Geelong Racing Club

Email: hello@geelong.countryracing.com.au Phone: 5229 4414 Associated organisation: Geelong Racing Club Website: http://www.grc.com.au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

87

Neil Diamond and Bobby Darin Tribute Show Celebrate a tribute to two of the greats from the 60s and 70s: Neil Diamond and Bobby Darin - Legends of Vegas performed by Garry Johns and Issi Dye. Bobby Darin was the “King of the 60s Flamingo Lounge” in Las Vegas with hits such as Dreamlover, Things, Multiplication and Mack the Knife.

Neil Diamond ruled the 70s with the biggest album sales of all time with Hot August Night. Hit songs include Sweet Caroline, I’m a Believer, Song Sung Blue, Shilo and many more.

Come and enjoy all the great songs from these two 60s and 70s music legends and singalong with your favourite tunes.

Limited cabaret seating – bring your culinary delights and purchase drinks from our licensed bar. Also theatre-style seats.

Dates: 19 November 2021 Book now Adult $34.00 Cabaret Seating Concession $30.00 Cabaret Seating

Adult $30.00 Theatre Seating Concession $28.00 Theatre Seating

Tel: 03 5251 1998

potatoshed@geelongcity.vic.gov.au www.geelongaustralia.com.au

Dave Cosma and Charles Jenkins - World Tour and ultimately, accentuate his writing, triggering instant attention from the audience and listeners. The Age newspaper described him as having a ‘full-bodied croon, pairing the silken wryness of Elvis Costello and the gravel of Bob Dylan’.

Jenkins and Cosma perform a set each, where the line between audience and performers is blurred, giving the audience an intimate insight into two of Australia’s finest independent singer-songwriters.

Dates: 26 November 2021

With a career spanning over three decades, Charles Jenkins is one of Australia’s most respected singer-songwriters with 17 albums released, local and international tours and two ARIA award nominations with his band the Icecream Hands. As Matt O’Neil of Time Off Magazine wrote, ‘Charles delivers the kind of set that astonishes in its depth, variety and good humour and reinforces Jenkins’ position as the songwriter’s songwriter’.

David Cosma, with his inspiring lyrics accompanied by sumptuous melodies and harmonies, together with his unique method of playing the guitar, guarantees an impassioned live performance. Religion, pop culture and nostalgic nuances, punctuate

Adult $28.00 Cabaret Seating Concession $24.00 Cabaret Seating Adult $24.00 Theatre Seating Concession $22.00 Theatre Seating Student $22.00 Theatre Seating Only

Book now

Tel: 03 5251 1998

potatoshed@geelongcity.vic.gov.au www.geelongaustralia.com.au OCTOBER 2021 | FIND GEELONG

87

88

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Geelong Waterfront Train & Bungy Trampolines If you’re looking for fun things to do with kids in Geelong, then the Waterfront is the perfect place for you.

Along with the kids’ activities we’ve already listed here, kids get a buzz out of the Waterfront train and Four Bay Bungy Trampoline.

The train runs return trips from the Carousel to the Eastern Beach pools. The ride takes around 20 minutes and leaves every half hour (every quarter-hour in peak season).

Kids can somersault and jump 7 metres high (!) at the Bungy Trampoline. Located near the Carousel, there’s a 5-minute jump guarantee (longer when there’s no queue).

Open weekends, school, and public holidays from September to May.

Cunningham Pier is one of the most recognisable structures on the Geelong Waterfront.

Opening in the mid-1850s it was originally known as Railway Pier. It was an important part of the Geelong Port and you can still see the train lines that were used to transport cargo to the end of the pier.

The pier stretches 250 metres out over Corio Bay and its bright white building is a standout feature of the foreshore.

The two-storey weatherboard building houses the Wah Bar and Asian food restaurant (bao buns!), Wah Wah Gee. The Pier Geelong function centre is also located here.

A large part of this Geelong pier is dedicated to car parking and a convenient covered walkway provides shelter as you walk along the train tracks.

Cunningham Pier fishing has always been popular and in keeping with tradition, local anglers continue to use it.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

89

The Poppy Kettle Playground This Geelong playground was inspired by a children’s book written by local author Robert Ingpen.

The story focuses on a group of miniature people from Peru, who set sail in an old tea kettle to find the land ‘beyond the horizon’ and eventually come to rest in Geelong.

Bronze statutes of the Poppy Kettle people are scattered around the park giving it a fairy tale quality.

Other features include an interactive water fountain, a sea dragon, an awesome slide and climbing tower, and a terrific pyramid climbing net.

There’s plenty of lush grass to picnic on, public toilets, and there’s usually an ice-cream and hot jam donut van parked nearby.

Geelong Geelong is heaven for skaters as there are more skate parks in Geelong per capita than any other district in the country.

And there’s no better location for a skate park than right beside the bay at Waterfront Geelong.

The Youth Activities Area to the west of Cunningham Pier is an outdoor plaza-style park. It has a variety of street obstacles including ledges, stairs, rails, and bank ramps.

The park also features a basketball ring, bench seating, openair performance areas, and stereo music.

Events designed for young people are held here throughout the year, many of them are free.

OCTOBER 2021 | FIND GEELONG

89

90

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

Western

Beach

People have been swimming, boating, fishing, and playing at Western Beach Geelong since the 1840s.

In those days there was an unwritten rule designating Western Beach for men’s bathing and Eastern Beach for women. But some ‘dastardly gentlemen’ would disregard the agreement scaring respectable women away.

Today the area is rarely used for swimming, but it’s still a popular stretch of foreshore connecting Rippleside to the rest of the Waterfront.

Here you’ll find the Boat House restaurant (Geelong’s best spot for fish and chips), the Poppykettle Playground, a designated fishing area, and the marvelous Western Beach Boardwalk.

Curving out over the water the boardwalk has wellplaced seats where you can sit back and watch the sea birds duck dive for fish. In the early morning, it’s perfect for watching the sun come up over the bay.

Rippleside

Park

Located on the western edge of the Waterfront, Rippleside Park Geelong is a pretty grass-covered foreshore reserve.

Popular with locals, Rippleside is less well-known to tourists who drive past en-route to more popular areas.

The park has magnificent bay views and is particularly appealing to families with young children who love the adventure playground.

The huge wooden structure has ramps, walkways, steps, and plenty of nooks and crannies to explore.

When the kids tire of the playground the reserve has wide-open spaces to run around in. Don’t forget to bring your footy!

Tucked in next to the reserve is tiny Rippleside Beach where you can bask in the sunshine or splash around in the water.

Overlooking the whole area is the bright and spacious Ripples On The Bay cafe. This stunning cafe serves excellent coffee and has huge windows with to-die-for water views.

Other amenities include picnic and barbecue facilities, toilets, and plenty of car parking spaces.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

91

Geelong The Geelong Waterfront is chock full of public art.

From huge impossible-to-miss sculptures, light installations, statues, and hidden whimsical pieces, visitors can enjoy an impressive mix of artistic interpretations.

Here are just a few of the unique artworks you’ll see as you walk around the foreshore. Be sure to keep your eyes peeled!

North: Located at the bottom of Moorabool Street, this distinctive sculpture is made up of 7 earth coloured structures. Designed to look like it’s floating on water when viewed from higher up the street, no two pieces are placed on the same axis.

The Buoys: This striking piece of artwork features a group of channel buoys. Found at Steampacket Gardens this huge sculpture is a favourite with tourists who love to have their photo taken with The Buoys!

Grassy Knoll: Found at Transvaal Square this unusual (weird?) sculpture is often likened to the holocaust memorial in Berlin. It’s an interactive piece that visitors can walk amongst and play with to gain different perspectives.

The Cargo Boxes: These metal and glass boxes hold examples of the cargo that arrived at the Geelong Port. You’ll find them dotted around the Customs House lawn.

The Barcode Fountain: Also on the Customs House lawn beside Sailors’ Rest is this unusual water feature. The shallow fountain has stainless steel panels that are etched with the Noddy’s Softdrink barcode. Noddy’s was a Geelong icon for generations.

Paving Splats: Easy to overlook, the Paving Splats are ‘splattered’ around the central Waterfront precinct. They’re made from stainless steel and have inlays that show imported and local objects. The Splats are found in the pavement, so keep your eyes cast downwards.

OCTOBER 2021 | FIND GEELONG

91

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

Earn rewards when you Click & Collect as a Westfield Plus member With Westfield Direct, you can now shop the brands you love online and Click & Collect from your preferred Westfield centre. From the latest women’s and men’s fashion, to treasures for your home and toys for the kids, there’s something for everyone.

Why should I Click & Collect?

Westfield Plus members get more when they Click & Collect with Westfield Direct.

Members can earn 10% reward credit on Click & Collect orders, up to $100 per month, redeemable as a Westfield Digital Gift Card once your balance reaches $20 or more. You can use your Westfield Digital Gift Card when shopping at any Westfield centre.

Want to find out more about earning Westfield Plus member rewards on Click & Collect orders? Check out our rewards page here.

Not a Westfield Plus member yet? Sign up for free today. Create an account today when you shop online with Westfield Direct > Where do I Click & Collect from?

The Westfield Direct Click & Collect location for pick up and returns at Westfield Geelong is located in the basement, near Alterations Now. The best parking for this location is via Brougham Street. For more information including a map and opening hours, please click here.

Any other member benefits besides Click & Collect?

Free delivery for orders $50 and over Westfield Plus members get free delivery when you make a purchase $50 and over. A $12.95 delivery fee applies for orders under $50 or if you are not a Westfield Plus member.

Free and easy returns Westfield Plus members get one free postal return per order within 14 days of receipt as long as your items are eligible, unused with the original packaging and tags still attached.

Don’t forget, all customers can return Westfield Direct orders at their local Westfield for free.

Want to find out more about the Westfield Plus member benefits? Check out the FAQs here. *__Terms and conditions __ Customers must sign up to the Westfield Plus membership program to qualify.

By joining Westfield Plus, you agree to the terms and conditions and privacy statement. See westfield.com.au/termsand-conditions for details. *

How does Click & Collect work?

Westfield Direct Click & Collect gives you access to trusted brands all over Australia, with the convenience of local pick up. Visit Westfield Geelong to do your weekly grocery shop or grab a bite to eat and collect your online order while you are there. Fuss-free and efficient in saving time, it’s another way to shop with Westfield.

Exciting new and upcoming stores at Westfield Geelong

Pandora: Pandora launches new Pandora Me Collection

94

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

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.

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

95

Financial Survival Later On

RETIREMENT

By Bernard Kelly

Retirement lifestyle health and finance.

is

governed

by

Now you, within reason, have the ability to control both.

Many retire and find that the lack of a lifetime routine is replaced with a degree of boredom.

If this is you, focus on reviving your mental health.

HOBBIES FOR MENTAL HEALTH Why not invest in a hobby to improve both your mental health and your finances.

You’ll then have a reason to get up, be happy and do something productive and enjoyable.

Additionally it encourages activity with like minded people, and extends your social interaction and contacts.

Painting by Numbers is the latest pseudo-medical hobby available – and it’s ideal for anyone with high anxiety.

HOBBIES FOR INCOME

2. case study – special event cakes

Hobbies can also be a means to improve your finances.

Cynthia Taylor in Geelong has transformed the cake decoration skills that she learned from her grandmother into a profitable side gig, under the brand name Original Cyn Cake Design.

Selling something that you have made can stimulate a monetary stream to cover costs and actually make a profit.

1. case study – selling a ship in a bottle With some practice you will be able to build a ship inside a bottle, and if you can wrap it inside an appealing sales package, you will be waltzing off into the sunset, with the orchestra playing.

So, before you start, plan for the ultimate sale.

Each cake can take over ten hours to decorate, and as she sells into the niche space of celebrations, there will always be buyers who say “I need that”. So haggling over a price is never an issue.

For those who do not have a hobby, a suggestion is to involve yourself in something that you currently are passionate about.

There are many substantial lifestyle and financial benefits available. You just need to look.

Personally I would build a miniature of HMS Royal Sovereign, the flagship of Admiral Collingwood - 2IC to Nelson at the Battle of Trafalgar. And then Collingwood took over command of British interests in the Mediterranean until his own death in 1810.

If I can help in any way, contact me anytime. hobby2income@gmail.com

With this particular ship-in-a-bottle, you’ll find swarms of eager buyers on websites associated with the name Collingwood.

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

Bernard Kelly 0414 778 518

bernardkellygeelong@gmail.com OCTOBER 2021 | FIND GEELONG

95

96

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

97

LEOPOLD SPORTIES BOWLS SECTION

By Gordon Guy

Pennant bowls is played on Saturdays, where we have 6 teams competing, and a midweek competition played on Tuesdays where we have 4 teams competing.

Social Bowls Social Bowls is just how it sounds. It is a social game of bowls with people from our own club and often people from other bowling clubs. It is played on a Monday all year and on Saturdays during the off pennant season.

It is a nice way to meet other people who enjoy the game and to get a feel for how the game is played in a relaxed atmosphere.

In 1971 a couple of locals, Len Lewis and Kevin Ash had an idea for a bowls club in Leopold. The idea took hold, a committee formed and money raised. A location was needed that would have enough space for two bowling greens and a clubhouse. Finally, this was located in Kensington Road, our current location and 5 acres purchased for $8500.

In May 1975 the club was officially opened as a family friendly sporting club by Brian Dixon, the then Minister for Youth, Sport and Recreation.

You can see the results for yourself on visiting our club.

There are so many people to thank over many years for their support, encouragement and voluntary help, along with the original crew that helped establish the club.

Today the club is flourishing as a well-known pokie’s venue with a 200 seat bistro as well as a function room.

The club caters for all kinds of functions such as wedding, meetings and of course parties of all descriptions.

From its humble beginnings in 1975 to the huge complex it has now become, the Sporties is continuing its expansion to include two more outdoor dining areas and a dedicated sports area specifically for the bowls and golf sections but also available for hire when not in use by the above.

Monday Social Bowls Start time: Mondays at 12.30 pm Cost: $10 per player. Raffles on the day.

Name on the sheet in bowling shed or call Cowboy on 0437 488 111.

New bowlers are most welcome to come and try their hand at social bowls or can contact one of the club coaches via our hardworking secretary Barb Duggan on 0425 818 797.

Barefoot Bowls.

Barefoot Bowls will be available to play once restrictions are lifted. This is a fun game you can enjoy with your friends whilst enjoying the club amenities. Experienced bowlers will be available to show you the ropes. No experience necessary..

Cost is $10.00 per head for up to 2 hours of play. This is a great option for an end of year function. Just book by calling the club on 5250220 giving your name, date and time required and importantly the number of people in your group as restrictions ease and things get back to near normal it is hoped in the summer months to hold a corporate barefoot bowls tournament between the many businesses located in and around Leopold. Further details to come.

Unfortunately, due to the pandemic much of the expansion has been delayed with the exception of a beautiful heated outdoor deck area adjacent to our A green, where you can drink and dine while watching any bowls taking place or look at the many fox sports screens available.

The pandemic has also negatively impacted on any bowls being played but there is light at the end of the tunnel!

The Geelong Bowls Region, who are responsible for lawn bowls in this area, have indicated that Nov 6th could see the start of the 2021/2022 pennant season. Hopefully the greens will be open at least a couple of weeks before this, to allow for training and social bowls.

OCTOBER 2021 | FIND GEELONG

97

98

FIND GEELONG | OCTOBER 2021

www.findgeelong.com.au

seniors@fcleopold.com.au

Buy Lisa de Vries

www.findgeelong.com.au

OCTOBER 2021 | FIND GEELONG

99

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

OCTOBER 2021 | FIND GEELONG

99

PAGES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

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

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

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

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

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

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

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

INDEX PROFESSIONAL SERVICES • Find Accountant ----------------100 • Find Insurance ------------------100 • Financial Planner --------------101 • Finance Broker ------------------101 • Bookkeeping ---------------------101 • Business Coach -----------------103 • Lawyers ------------------------------101 • Video Confidence ------------102 • Web Developer -----------------103 • General Insurance ------------102 • Life Coach --------------------------102 • Salary Packaging Service-102

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

TEAM COACHING & DEVELOPMENT

BEHAVIOURAL PROFILING

CONTACT SALLY HIGOE

BUSINESS GAP ANALYSIS

IN-HOUSE & ONLINE TRAINING

WORKSHOPS/WEBINARS

Resilience Coach Team Resilience Method 0490 388 017 sally@team-resilience.com.au www.team-resilience.com.au

PAGES

PROFESSIONAL SERVICES

CREATE WEALTH, CREATE CHOICES, CREATE YOUR FUTURE OUR SERVICES

Biscuit Business Services Helping your business keep track of your bickies!

MONEY COACHING

OUR SERVICES

This is where we take It’s not about super or investments or returns or anything ‘financy’. We aren’t going to discuss that. It’s about your attitudes to and behaviours with money. And having a program to take control. At the deepest level this is actually about self respect. For you and your family.

BAS Services

The Infinity Program DIY online course

Bookkeeping & Payroll

Cashflow PT 1-on-1 coaching

Services

PERSONAL ADVICE This is where we take the time to get to know you and your financial life in detail. You decide what you want us to look at and you will receive a deeply thought-out financial plan in writing. We stay in touch with you over the journey and make changes as needed so that your best interests are always served. An example of this is reducing insurance when appropriate so you aren’t paying more than you have to.

Super, investments

Retirement planning

Insurance - Life, TPD, Income, Protection, Trauma

Centrelink Best uses for cash

Saving for education

MARY-CLEAR SWITZ Bookkeeper

Business Services

CONTACT

mc@biscuitbooks.com.au 7A 9A-11 Leather Street, Breakwater VIC 3219

Singles / couples, young or old

Purchasing your first home

0422 800 012

CONTACT US

1300 667 141 mark@moneyrocketadvice.com.au MARK KRUGER Financial planner

www.moneyrocket.com.au

Geelong’s Premier Newlaw Firm With A Personal Approach. We Provide High Quality, Timely & Tailored Legal Solutions With Price Certainty Australia Wide.

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.

Finance with a different accent...

Services Residential

OUR SERVICES •

CONVEYANCING & LEASES

•

PROBATE

•

COMMERCIAL & CORPORATE

•

CRIMINAL LAW

•

FAMILY LAW

•

ADVOCACY & MEDIATION

•

WILLS & ESTATE PLANNING

•

IMMIGRATION & VISAS

Investment Loans Commercial Loans Vehicle and Asset Loans

ALLAN HOULISTON

CONTACT US

Self-Managed Super Fund Lending

Finance Broker

Suite 3, 50-58 Moorabool St Geelong VIC Australia 3220

Contact

0429 312 986

0405 140 003

john@vanbeveren.com.au

Office address: 5/329 Pakington Street, Newtown, Vic, 3220 info@aislingfinancial.com.au

JOHN VAN BEVEREN

www.cruzingaragedoors.com.au

Lawyers & Conveyancers

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

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.

OCTOBER 2021 | FIND GEELONG

101

PAGES

PROFESSIONAL SERVICES

EVERYONE HAS THEIR THING. OURS IS DOMAIN NAMES.

Knowledge, Service and Value...

In Everything We Do. OUR SERVICES

OUR SERVICES

Personal Coverage

Full of Video Strategy & Marketing at Video

Commercial Coverage Policy Services

CONTACT US

ZOË WOOD

430 473 204

NICOLE NELSON General Insurance

zoe@vcc.training

CONTACT US 843 757 3838

info@belmontinsuranceservices.com

1/16 Redfearn Court Corio Geelong 3214

State Route 278 & Westbury Park Way in Bluffton, SC. 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.

Whatever your thing is, your domain name is an important part. We want to make that part better.

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.

Belmont specializes in serving families, businesses and individuals with insurance coverages customized for you and your specific situation. A “handson” 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!

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

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.

Dan Nicholls Salary Packaging Services

Call us now

OUR SERVICES Performance & Career Coaching E -DISC Profiling Councilling Lou Lugsdin Life Coach

Beat Procrastination & Get More Done Discovery Call

CONTACT US

(03) 5229 4200

Services • • • • •

Packaging administration One-on-one customer service Staff and organisation resources Comprehensive and always on-time FBT reporting Direct to employee claim benefits paid in one working day

Ocean Grove Bellarine Peninsula VIC 0408 370 757 info@my-y.com.au www.my-y.com.au

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

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

PROFESSIONAL SERVICES

PAGES Welcome to aWebpage, your onestop-shop for brocure sites & bespoke web applications.

DEVELOPING EXCELLENCE IN BUSINESS

Our project delivery process maximises you project success.

our services Plan a Webpage Build a Webpage Launch a Webpage

contact us

ADAM SIMS Web Developer

1300 667 141 adam@awebpage.com.au PO BOX 4336 Geelong, VIC, Australia

No matter your business focus, we can help.

Discover how we can make your next web project a whole-of-business success.

SERVICES Mentoring Coaching Master Class In-House Training Workshops Online Training Strategic Planning

DEB FRIBBINS Business Coach

CONTACT 0400 524 451

deb@debconsulting.com.au

www.developingexcellenceinbusiness.com.au

Find out more. Engage us and begin your journey!

DICOVER MORE ABOUT THE 5D PROCESS

TRADIES - FREE ADVERTISING

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.

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.

Go to www.findgeelong.com.au/graphic-design to upload your details and we will create this for you.

The Dimensions of the Ads are:

The Dimensions of the Ads are:

53 x 98 mm - 1/8 Small Size

53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on

If you have any questions, contact the editor on

1300 88 38 30

1300 88 38 30

or Email warren@findnetwork.com.au

or Email warren@findnetwork.com.au

OCTOBER 2021 | FIND GEELONG

103

PAGES

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

INDEX

PRISTINE OUTDOOR PROPERTY SERVICES

PROFESSIONAL SERVICES • • • • • • •

Property Services ----104 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

CONTACT

Property Services

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

A beautiful lawn doesn’t happen by itself

PAGES

OCTOBER 2021LOCAL | FIND GEELONG TRADIES105

www.findgeelong.com.au

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------105 Garage Doors----------106 Electrician--------------106 Embroidery------------106 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

Concept to Creation - Perfect From Start to Finish OCTOBER 2021 | FIND GEELONG

105

PAGES

HOME & GARDEN

We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas

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 Garage Door Specialist you can Trust

a small cottage industry to a fully operational factory and retail store with 20 experienced staff, servicing some of Australia’s biggest suppliers,

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.

including: YAKKA, Ford Motor Company, Rays Tent City Cant tear em’

• • •

quality workmanship with garments made to last.

Roller garage doors Security garage doors Electric garage doors

• • •

Wooden garage doors Garage door locks Up and over garage doors

and many more. We were Geelongs first embroidery business, and we strive to excel in our customer service and satisfaction by producing

57 Morgan st North Geelong, Australia 3215

Trustworthy 24/7 Garage Door Installation

0412 670 310

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.

Kerry@gim.net.au

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

www.gim.net.au

Kerry Kaspi

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

CONTACT US 0427 894 603

Hours of Operation

sales@cruzingaragedoors.com.au

• Mon to Fri: 9:00 am - 5:00 pm

www.cruzingaragedoors.com.au

• Sat to Sun: CLOSED

Geelong Expert Electricians COMMERCIAL SERVICES Quality Service for Commercial Fit-Outs Improving Existing Infrastructure

DOMESTIC SERVICES

Branded Apparel & Marketing

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

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.

Home Maintenance

Mark Clutterbuck Electrical Operations

Domestic Electrical Repairs Property Improvements

CLUTTERBUCK has everything you need in a master electrician, whether it be for your home, office, business, or an area outdoors.

The Dimensions of the Ads are: CONTACT 0414 538 394 mark@clutterbuckelectrical.com.au www.clutterbuckelectrical.com.au

53 x 98 mm - 1/8 Small Size 139 x 96 mm - 1/4 Page Portrait If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au

PAGES

HEALTH & BEAUTY

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 • • • • • •

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.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au

OCTOBER 2021 | FIND GEELONG

107

Birth, Deaths & Marriages October 2021

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

SEND US YOUR NEWS!

Geelong

1300 88 38 30

editor@findgeelong.com.au

Birth, Deaths & Marriages

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 OCTOBER 2021 | FIND GEELONG

109

GEELONG

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

31 January 2021- 31 January 2022

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

FIND CARD LOCAL OFFERS

S

M A

E L P

PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findgeelong.com.au/register Please refer to Page 126

LOCAL COUPONS OFFERS OCTOBER 2021 | FIND GEELONG

111

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

Dining

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

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

S S

M A

M A

E L P E L P

S S

M A

M A

E L P

E L P

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

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

NEW OFFERS COMING

NEW OFFERS COMING

Coffee

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

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

NEW OFFERS COMING

NEW OFFERS COMING

Takeaway

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

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

NEW OFFERS COMING

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

S S

M A M A

E L P E L P

S S

M A

M A

E L P E L P

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.

Copyright 2021 Find© Pty Ltd.

www.findgeelong.com.au