Find Geelong 2022 - January Edition

The

GEELONG WHAT’S INSIDE:

JANUARY 2022

04

LOCAL STORIES

08

COLUMNIST ARTICLES

24

TAX UPDATES

26

NOT-FOR-PROFITS EVENTS & ARTICLES

30

RENTAL LISTINGS FREE ADVERTISING

32

GEELONG COUNCIL NEWS

42

FIND FAITH

66

FIND BIRTH, DEATHS & MARRIAGES

68

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG

MarkMogato

See full article on page 4

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

PLATINUM SPONSOR

STEVE DAHLLOF

SALLY HIGOE

PAINTING AND DECORATING

LEADERSHIP & TEAM RESILIENCE COACH

kerna1967@gmail.com | www.stevedahllofpaintingservices.com.au

JANUARY SPONSOR

sally@team-resilience.com.au | www.theresaliantcemethod.com.au

JANUARY SPONSOR

COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

TEAM/LEADERSHIP COACH

WARREN STRYBOSCH

SALLY HIGOE - FACILITATOR

SALARY PACKAGING

WEB DEVELOPER

BUSINESS COACH

LIFE COACHING

ADAM SIMS

DEB FRIBBINS

LOUISE LUGSDIN

BOOKKEEPER

FINANCIAL PLANNER

PROPERTY SERVICES

FINANCE BROKER

MARY-CLARE SWITZ

MARK KRUGER

DANIEL TOMLINSON

ALLAN HOULISTON

ELECTRICAL OPERATIONS

BRANDED APPAREL & MARKETING

SOLICITOR

PLUMBING

MARK CLUTTERBUCK

KERRY KASPI

Are you our next Solicitor?

Are you our next Plumber?

?

HAIRDRESSER

TRAVEL AGENT

Are you our next Hairdresser?

?

PERSONAL TRAINER

Are you our next Travel Agent?

Are you our next Personal Trainer?

DAN NICHOLLS

MARKETING

Are you our next Marketer?

?

LAWYERS

JOHN VAN BEVEREN

?

CLUB SPONSORS

PAINTING & DECORATING

STEVE DAHLLOF

?

?

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JANUARY 2022 | FIND GEELONG

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About the Find Geelong

By Warren Strybosch

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

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

We 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.

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NEXT ISSUE Next Issue of the Find Geelong will be published on Friday February 08, 2022. Advertising and Editorial copy closes Friday February 4, 2022.

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leg. This might have something to do with me falling off my mountain bike twice on a mountain bike trail I have down several times before.

New Year: A New Start

By Warren Strybosch

With 2022 now upon us, we have been looking forward to leaving 2021 behind and hoping to hear less about COVID and more about businesses beginning to thrive again, people enjoying their holidays, and everyone being allowed to have the freedom they once had before.

Ironically, I am writing this article as I sit in my caravan whilst the rain comes pummeling down, with the caravan fridge not working, the battery getting very low, and many other families having already packed up and headed home; shortening their summer holiday.

I then listen to the news and hear all about the spread of COVID across the country with daily stories of people I know getting COVID, local businesses suddenly closing their doors because one of their staff or customers having COVID, and watching people start to get nervous about these new strains and the rapid spread that is occurring.

Not exactly the 2022 start I was looking for, but you know what, “it could be worse”.

That is exactly what someone said to me when I was feeling sorry for myself…I had an excuse…my shoulder was feeling sore at the time. The person was not trying to be mean or non-sympathetic to my plight, but was, in their way, trying to get me to see that I was still very fortunate.

I still have a job, my wife and three teenage kids, whom I love, can still put up with me, we have a house over our heads, good friends around us, good staff in the business, and no one in our family is suffering from any major illness or injuries. Overall, I am very fortunate.

I share my situation with you in the hope that, whilst some of you are experiencing difficulties right now and may not know what the future holds, to not give up. This period will pass, and things will get better.

For 2022, I hope your business thrives, your relationships flourish, and you find Mark Mogato joy in the day to day. That is my hope for you all.

I hear of friends leaving Victoria and moving to Queensland or WA, with the hope that they will have a better lifestyle in those states than our own.

During 2022, we will try and provide some encouragement and hope through our articles and stories. If you would like to contribute a story to the Find Geelong this year that you believe will be of interest or encouraging, please send your submissions to editor@findgeelong. com.au.

To top it off, I sit here with a likely torn rotator cuff and swelling down my right

From the Find Geelong team, we wish you all the best for 2022.

Tell us your story Share your ‘Tale from the pandemic’ (fictional or non-fictional) for your chance to win some great cash prizes, PLUS a selection of entries will be professionally published in an anthology by IngramSpark!

Enter now

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JANUARY 2022 | FIND GEELONG

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Find Geelong Column

by Mayor Stephanie Asher I’m sure you’ve heard the catchphrase “rates, roads and rubbish” in conversations about local government.

Ensuring our roads are up to scratch and rubbish is collected on time and disposed responsibly are all important functions of any council, but the reach of local government goes much further than the ‘three Rs’.

Councils fund some of our favourite local meeting and exercise spots, like parks and gardens, sports ovals, libraries, playgrounds, community hubs and aquatic centres.

They also provide childcare and maternal child health services, tree planting programs, aged care support, some kindergarten operations and financial grants for a range of community groups and clubs.

Given the breadth of services and facilities that councils are responsible for, there’s opportunity to play a significant role when it comes to one of the most pressing issues of our time – climate change.

Greater Geelong Council is committed to demonstrating leadership in sustainability and to genuine action towards reducing negative impacts of our organisation and, more broadly, community practices.

We recently endorsed our Climate Change Response Plan, which sits within our Sustainability Framework and Action Plan.

The Climate Change Response Plan will specifically guide the organisation and the community’s response to climate change issues and impacts through to 2030.

The two major targets that we’re most excited about are: • •

Net zero emissions for the City of Greater Geelong’s operations by 2025; and Net zero emissions Greater Geelong-wide by 2035.

These goals are no doubt ambitious but they are achievable, and will make a difference in our region.

There are more than 80 actions in the plan, including: • • • •

Transition City-owned fleet vehicles to zero emission alternatives; Implement and promote the Shared Trails Master Plan to encourage active transport; Implement a pilot food waste service for residents; and Increase support for the community’s ideas and projects through Council’s Environmental Sustainability Grants.

An important element of the plan is to empower the community to take grassroots action – such as active transport, buying fewer things or purchasing second-hand items, recycling and reducing energy consumption.

At my house, our compost bin and chooks take care of our food scraps, which our garden then benefits from. We recycle a lot of our washing machine water onto the garden, we’ve invested in solar panels, we walk rather than drive whenever we can, and I am something of an op shop addict.

We know climate change is a complex issue that can’t be solved by just one level of government, section of the community or organisation.

So our Council’s commitments are just one part of the solution.

We will continue to advocate for funding and partnership opportunities with other levels of government, while also supporting the local community and business sectors to implement their own initiatives.

Everyone has an active role to play, and our Climate Change Response plan lays the blueprint for a co-ordinated, collective effort.

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Christian Super

– must merge with another superfund

By Warren Strybosch

APRA, who regulates superannuation funds, has imposed additional licence conditions on the trustee of Christian Super to protect the best financial interests of the fund’s members. APRA said the new conditions seek to address concerns from an APRA investigation into Christian Super’s investment oversight, governance and strategic decision-making. They are also aimed at rectifying Christian Super’s persistent investment underperformance, which culminated in the fund’s MySuper product failing the first annual performance test.

Under the terms of the new licence conditions, Christian Super is required to implement a strategy to merge with a larger, better performing fund by 31 July 2022. In doing so, Christian Super is required to engage an independent expert to ensure the merger is consistent with its duties under superannuation law.

Book a review appointment before the Merge If you are a member of Christian Super and would like to know where best to move your superannuation before the merge takes place, then consider having a Free, no-obligation, superannuation review with Warren Strybosch, an award-winning financial advisor and one of Australia’s top 50 most influential financial advisors.

You can book a phone call meeting time (he will call you) via his Calendly link at: https://calendly.com/findgroup/15-minute-phoneconversation. After the meeting you will be provided with a FREE comparative superannuation report to help you decide whether or not to move your superannuation over to another provider.

Warren Strybosch, an accountant and financial planner, attends One Community Church, has been married for over 25 years, and has been providing financial advice for nearly 20 years.

A Defence review has found no national security grounds to recommend the federal government overturn the 99-year lease of the Port of Darwin to Chinese company Landbridge.

The national security committee of cabinet has considered the review it commissioned to re-examine the 2015 agreement under which Landbridge won the bid to operate the port in a deal worth $506 million, The Australian reports.

Defence Minister Peter Dutton had pushed the review amid deepening tensions between Beijing and Canberra.

The government is still reviewing the matter but the Defence review recommendation makes it more difficult for it step in and overturn the port lease.

Scott Morrison has said the port lease was “undertaken by the former Territory government and it was not a lease that was approved by the federal government – it was not”.

No Security Issues Over Darwin Port Lease (Australian Associated Press)

He also said the government would only act in relation to the port lease “if there is advice from the Defence Department or our security agencies that change their view about the national security implications of any piece of critical infrastructure”.

The defence department also undertook a review of a Chinese company acquiring 50 per cent of shares in the Port of Newcastle back in March 2018 and found no concerns with the transaction.

www.findgeelong.com.au

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viruses

Government Works to Prevent Future

Dominic Giannini

(Australian Associated Press)

There are an estimated 1.7 million undiscovered viruses in mammals and birds, any one of which could become a new pandemic.

To combat and manage emerging zoonotic diseases, the federal government will put an additional $8.4 million into Australia’s wildlife health and early detection research over the next four years.

Agriculture Minister David Littleproud said the funding would put Australia at the forefront of a global initiative aimed at preventing future diseases.

“Nearly all major exotic livestock diseases of potential concern to Australia, including African swine fever and foot-and-mouth disease, will have wildlife and/or feral animals as part of their cause or spread.”

The government is also putting aside $205,000 to aid Papua New Guinea’s recovery from African swine fever outbreaks since 2020 and $180,000 to bolster Timor-Leste’s biosecurity after the swine fever broke out in 2019.

Environment Minister Susan Ley said a healthy environment was a precursor to human and animal health.

Mr Littleproud said the funds would help encourage better farming practices to minimise the health risks, with more than 70 per cent of Timor-Leste households keeping pigs.

“This funding will prioritise the investigation of significant wildlife disease events to identify the underlying causes and determine their relevance to human, animal(s), and environmental health,” she said.

Wildlife Health Australia will lead the program’s delivery, which involves the establishment of a One Health investigation fund.

“COVID-19 has brought into sharp focus the importance of recognising and managing emerging zoonotic disease The fund will also aim to officially partner risks which can originate from wildlife,” WHA’s research within Australia and the Indo-Pacific region with the World Mr Littleproud said.

Organisation for Animal Health.

Meanwhile, PNG will fund road checkpoints and field teams to monitor and respond to reports of swine fever as well as educate smaller farms about how to better manage the risk of the disease.

African swine flu is a viral disease with no effective vaccine. It lives in contaminated pig pens for at least 30 days and survives in uncooked, frozen of cured pig-meat for longer periods of time.

The virus is spread through close contact between pigs and is widespread throughout Asia.

Elective Surgery Wait Lists to Increase

By Warren Strybosch

Public and private hospitals have temporarily reduced elective surgery to urgent procedures as the number of COVID patients increase. For the time being hospitals across the state will only performing emergency or elective surgery procedures.

The reductions will apply to many private hospitals and not just restricted to public hospitals. It is hoped that these restrictions will reduce the strain currently being placed on the hospital system as the Omicron strain continues to spread rapidly throughout Australia.

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SMSF: Where is your Trust Deed and is it up to date?

ACCOUNTANT

By Warren Strybosch

For Trustees, it is important to make sure the original trust deed is kept securely and updated when new superannuation laws change; especially where those laws will have an impact on the decisions made by the trustees of the fund.

A recent case, Jowill Nominees Pty Ltd v Cooper [2021] SASC 76, has highlighted the importance of ensuring that original trust deeds are kept securely, read and complied with.

As highlighted in Jowill, one of the key duties of the trustee is to know the terms of the trust deed and keep the original signed trust instrument safe and secure.

If the trust deed is lost, it is very difficult for the trustee to discharge their duties.

The duty in this regard is heightened for SMSFs given the interplay of the concessional taxation regime and the legislatively mandated rules around membership and trusteeship. These risks are magnified if, as a further example, it is the trust deed of a related unit trust or limited recourse borrowing arrangement that is lost.

Lost trust deed If a trust deed is lost and reasonable searches and inquiries had been made with all relevant persons, legal and accountancy firms and 3rd party authorities that could have been expected to hold a copy of the trust deed, without success, the trustees might be able to relay on ‘secondary evidence’ to prove the existence of a trust. However, the secondary evidence must be clear and convincing evidence not only of the existence, but also the terms of the trust.

Secondary evidence For a court to be satisfied the secondary evidence is suitable, the text of the missing document must be able to reproduce the trust in full (see for example, Barp Nominees Pty Ltd [2016] NSWSC 990) and there needs to be evidence to satisfy the ‘3 certainties of a trust’, that is: a. b.

the identity of the beneficiaries; the property the subject of the trust; and

c.

the nature of the trust (i.e. whether fixed or discretionary or an SMSF).

There are numerous instances of when trustee actions have not been permitted due to an outdated trust deed. If the Trustees were to undertake such actions without the authority of the trust deed they could risk, to name a few:

•

Often, the information falls well short of producing the full contents of the trust deed and could not be relied upon.

•

Failure of trust

•

It is a timely reminder for all trust and SMSF advisers that the obligation to act in strict conformance with the terms of a trust deed is perhaps the most important duty of a trustee.

Where, the deed has been lost, a trustee cannot discharge this overriding obligation and will be held to be acting in breach of trust.

Therefore, if the trustee continued to deal with trust assets and administer the trust, they would effectively cause further breaches of trust, and this could lead to further sanctions. As an example, if a trustee were to make distributions, in the absence of a trust deed, this would be a clear breach of duty.

Keeping it up to date Not only should the trust deed be read and heeded, it also should be kept up to date.

Given the trust deed governs the operation of the Fund and provides guidance to the trustee as to the particular actions they can undertake, it is extremely important to ensure that the Trust Deed remains current and that the Trustee has the authority under the Trust Deed to act to the extent permitted by the legislation.

Audit exceptions because of invalid powers that could lead to ATO investigations and sanctions; Loss of tax benefits - for example if they attempt to commence a particular pension without the power in the deed; The wrong beneficiaries receiving Death Benefits because of invalid documentation (eg BDBNs being deemed invalid etc).

Conclusion Trustees have a duty to account to the beneficiaries of a trust. Having a trust deed in place, that has been read, as well as the terms of the deed being heeded, provides a good starting point to avoiding many of the breaches that might otherwise occur.

A trustee needs to discharge its duty by ensuring that the original trust deed is kept secure, but also read; and complied with.

Lastly, the trustee needs to review the trust deed to determine if the trust deed needs to be updated to allow them to perform the actions required of them.

At Find Accountant, we provide SMSF tax advice.

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

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

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges from teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multi-award winner, Warrens’s innovative approach in business means he was a champion of virtual financial advise long before the pandemic. Warren established the Find Foundation, which owns and operates acroos Victoria.

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn’t mean they are not making waves. Meet our Power 50.

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JANUARY 2022 | FIND GEELONG

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Call to Grab Migrants from Rival Economies Marion Rae (Australian Associated Press)

A trickle of migrants to Australia might be just enough to keep house prices in the black but an extra million people would help the whole economy, experts say.

“In a competitive global market, postpandemic, it will be one thing to decide to increase skilled migration and another to achieve it,” KPMG chief economist Brendan Rynne has warned in new research.

Australia should proactively target higher intakes from countries where people tend to migrate to the United Kingdom and Canada, he said.

That would mean more new Australians from Poland, Ireland, Germany and the United States.

“During the pandemic, we have suffered a significant decline in foreign migrants settling in Australia such that our net overseas migration numbers have turned strongly negative – the first time since the end of World War II,” Dr Rynne said.

The latest official population data suggests net overseas migration will remain negative this financial year before slowly recovering to 235,000 per year from 2024/25.

This will leave the population around 700,000 less in 2025 than was expected before the pandemic.

But Australia is not the only country to recognise the economic, social and cultural benefits, especially from skilled migrants who tend to be younger than the average worker in our ageing population.

Australia recorded the seventh largest intake of international migrants at around 820,000 people in the five years to 2019, according to United Nations data analysed

by KPMG. People mostly came from China (132,000), India (120,000), UK (56,000), Philippines (40,000), and Malaysia (31,000).

The UK and Canada, considered rival destinations to Australia, received 1.14 million and 532,000 migrants respectively between 2015 and 2019.

Net overseas migration added about 10 per cent to Australia’s population over the more normal 10 years to 2019.

The Department of Home Affairs has identified 44 occupations as critical skills needed to support Australia’s response to the COVID-19 pandemic and economic recovery.

But if Australia wanted to match that 10 per cent growth trajectory in population through international migration, almost

The Priority Migration Skilled Occupation List applies to the Temporary Skill Shortage, Skilled Employer Sponsored Regional

(Provisional), Employer Nomination Scheme, and Regional Sponsored Migration Scheme visa categories.

KPMG modelling suggests each additional migrant positively impacts GDP by around $130,000 per year, mostly from household consumption of about $70,000.

House prices will also get fresh support, even at the current trickle, in the regions and cities.

CommSec chief economist Craig James says house prices could rise by a further seven per cent in 2022, supported by stilllow interest rates and the current rate of foreign migrants to Australia.

Some regional markets rose by more than a third during 2021, outpacing a 20 per cent lift in home values across the capital cities, CoreLogic data released on Tuesday showed.

CoreLogic research director Tim Lawless said he expects rents to rise as foreigners return, especially for inner city units in precincts popular with students.

But COVID-19 remains the biggest wildcard, and not just for 2022.

SUPPORT LOCAL, BUY LOCAL, DISCOVER GEELONG Do you have photos from a local event or even a great story you would like to share?

SEND US YOUR NEWS! Geelong

editor@findgeelong.com.au

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The Guaranted Secret to your Success in 2022 •

and so, will business.

The possibilities are glowing; • • • • •

Many minds working together for the greater good.

You, as the leader, leading the innovators (not following the pack!)

A business that is profitable.

Clients continuously come back.

A team that is engaged, happy and encouraged to explore

In this environment, that of a worldclass culture - a good day is where the team member knows they’ve made a difference and they were capable under pressure of finding a way.

This is empowerment. This is the creation of a business that turns heads.

Leadership is MANY things, but it all comes down to one thing – You’re there to help your team to ‘think’ in a way that; •

RESILIENCE COACH

By Sally Higoe

“People don’t need to be managed, they need to be unleashed” - Richard Florida

What a great quote, it gets me excited at the possibilities.

Imagine...

A team where everyone is two feet in, hungry and ready to commit 100% to the growth of the business, to support you, the leader and to share all of their amazing ideas and challenges.

A team that thrives on innovative thinking and is empowered to ‘own’ it both their own performance and also the outcome for the entire team.

A form of leadership where the team are encouraged to create and ‘unleash’ without fear of judgement or criticism.

This form of high impact leadership focuses on the heart of any organisation –the people and the standards to which they operate.

Great people want to improve themself, they want to contribute, and they want to make a difference.

I’m astounded to know that 6 out of 10 (!) workers are miserable (according to a survey conducted in the Daily Mail).. and at the top of the list of complaints is quality of leadership.

It all begins at the top. And the best time to reinvigorate, reboot is the start of a new year!

If ‘good’ is ‘good enough’ the culture of the organisation will feel flat, the team members will do little to improve how things are done, and new team members will wonder what they’ve got themselves into.

If standards are set, if they’re nonnegotiable and they cover everything from answering the phone to submitting weekly goals...

• • •

the team that you really want. the one that grows the business. well, they’ll stay and play. This team will strive, they will thrive

• • • • •

•

Seeks to challenge their own beliefs and attitudes about what’s possible Allows them to own their role Boosts their personal performance Gives them more job satisfaction Encourages them to contribute to the improvements and innovations in the organisation Guides them in how to solve problems in a way that demonstrates good judgement and thought for consequences Allows them to think of others and the impact decisions have on them

When your team has the ability to think in this way there is an increase in productivity, a rise in satisfaction a surge in results.

• • • • • •

But there is a catch.

The standards.

They must be non-negotiable. They must apply to everyone.

Everyone contributes.

Everyone speaks up. Everyone owns it.

This is the standard.

As a leader I’ll encourage, inspire and assist as required. But if you don’t meet the standard, move on.

It is your standards that set you apart from the rest, that move you away from mediocre and into extraordinary.

It is the standards that will encourage your team to push for the next level of excellence and demand more each and every day.

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Such standards should include1. Communication excellence – team members expect to communicate with each other, the clients and the stakeholders with respect and courtesy at all times 2. At cause – the team holds themselves at cause and take 100% responsibility for their results and non-results 3. No hidden agendas. We are open and work through challenges Other ideas for what to consider when standard setting1. How will we operate with each other?

2. What will we guarantee to bring every single time no matter what?

3. What are our expectations of each other?

4. What can I count on in you?

5. Standards for people who do business with you, standards for your business

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Standards must be considered in 3. Highlight training you may not have performance reviews, given each 90 considered days. These points of culture are shared 4. Ensure your training is focused on the as the first thing they receive feedback right areas on, because it’s that important.

5. Decide who should attend which trainings and Leadership is not a ‘sometimes’ 6. Help you to prioritise training needs undertaking. It is helping others to grow, guiding and supporting their success.

Make 2022 the year where your If you’re unsure if you have the right standards in place or • if you’re on the right path to business excellence or • to turn heads and to unleash the spectacular in your team.

• then your likely not.

business stands well above the rest.

Email me on sally@team-resilience.com. au and I’ll happily reply with a free Needs Analysis questionnaire so you’re able to 1. Identify gaps before they become a problem 2. Help to plan your training for 2021

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

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

SERVICES

Leadership coaching that connects your team and drives results

LEADERSHIP COACHING & DEVELOPMENT

CONTACT TEAM COACHING & DEVELOPMENT BEHAVIOURAL PROFILING BUSINESS GAP ANALYSIS

SALLY HIGOE Resilience Coach Team Resilience Method 0490 388 017

IN-HOUSE & ONLINE TRAINING sally@team-resilience.com.au WORKSHOPS/WEBINARS

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Yes, You Can

Happy New Car With A Novated Lease SALARY PACKAGING SERVICES

By Dan Nicholls

On the hunt for new wheels in the new year but don’t think you can afford the car you want? With novated leasing, getting a new car and saving money are two resolutions you can realistically achieve. You get to choose the car you want, reduce your taxable income and can improve your overall cash position.

Leave GST and interest behind One of the first big savings you’ll enjoy with a novated lease is you don’t pay GST on the overall purchase price of your new car. This saves you thousands of dollars up front. For example, if you were to lease a new Mitsubishi Pajero Sport, the drive away price is around $43,940. The GST on this would be roughly $3,763. This would immediately bring the overall price your lease payments are calculated on down to $40,177. Just note that there are GST thresholds so check with your provider as to how much you can save.

A novated lease is not a car loan. While this type of lease is a finance arrangement between you, your employer and a finance provider, interest is less of an issue. Novated leases are structured to save you and your employer money, not make banks and financiers richer.

Tax on, tax off A fully maintained novated lease includes your car running costs as part of your salary deductions. Because your novated lease accesses your pre-tax salary to cover them, you’ll save a small fortune when it comes to keeping your car running. That means when you book in for a service or go to fill up, you don’t have to dig into your take home pay. Just imagine pulling up to the petrol station and paying with a supplied fuel card, or not baulking at the estimate for your annual service.

If that wasn’t enough good news, a novated lease will cover expensive necessities such as registration and insurance. You can even claim new tyres and professional car cleaning services.

Perhaps most importantly, knowing you won’t have to pay the full price on car maintenance will ensure you never put off car servicing. This will keep your family safer on the road.

In addition, with a Novated Lease, your employer can claim any GST on your car running costs from the ATO and pass these savings on to you. Even more GST savings!

Saving all the way When you get to the end of your novated lease there’s even more tax savings to come.

Through a novated lease, you’re only financing the difference between the original car cost (less the GST of course) and the residual value of the lease, which is a final payment that needs to be made at the end of the lease term. Overall, this results in lower monthly payments when compared to other car finance or loan options where you pay down 100% of the car purchase price, from your after tax pay.

When you reach the end of your lease term, there are a number of options with dealing with the residual value. You can make the final payment and own the car, you can trade in your car on a new one and start a new lease or you can extend the lease for an extra period. You can even sell your car privately, so long as you pay the residual value. As a final benefit, any profit you make on the sale price compared to your final payment is yours to keep, tax-free!

Save big with The Salary Packaging People We’ve helped thousands of employees enjoy the confidence of a new car while saving thousands of dollars on a novated car lease. Contact us or call 03 5229 4200 and talk to someone today.

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JANUARY 2022 | FIND GEELONG

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Retail Success for 2022 and beyond BUSINESS COACH

By Deb Fribbins

The success of any business does not come by accident.It comes from strategic planning of every aspect of business.

When businesses start out, they have produced a comprehensive Business Plan which covers all the key aspects of the business. Then file it away.

January is the time to stop, “get off the merry-go-round”, and dissect the business progress. Working on your business, at this time, to analyse the results of the first 6 months of the year, will assist in the planning for the following year, and what we need to concentrate on for the balance of 21/22. Do it now while it is still fresh in your mind. Are all your TRAMS on track. Are the strategies being used • • • • •

Timely Realistic Achievable Measurable Sustainable

Each business needs to go back to the very beginning, relook at the Vision statement and the current Mission statement for the business. Ensure these are still relevant in the current climate. From the analysis done make any adjustments needed, to reflect the changes dictated by the consumers. Consumer spending has changed dramatically over the last 2 years and will not go back to what it was. Knowing in advance and planning for the changes will ensure a smooth transition.

live in a WIIFM society (What’s In It For Me). Emotive websites that appeal to consumers needs are far more effective.

Research, since the last time it was carried out, should reflect that all short term goals been met.

These business results will define if they meet expectations to achieve the long term goals. Analysis of each step, product range, logistics, marketing, advertising, staffing, technology, and all other factors that affect individual businesses need to be analysed.

This history will give a basis for planning for the future, providing you do not just look at the figures. We are led to believe, by the Government, that 2022 will see no lockdowns. Planned sales should not reflect the history of 2020 or 2021.

Businesses who have been running more than 3 years would be best to go back to 2018 and/or 2019. For those businesses started in 2020 or 2021 look at the results and the trends, when you were open, to extrapolate the times closed.

Look after your staff. The “Great resignation” that is topical at the moment is real and has started off slowly in Australia. The way your staff think, the way they have been treated as a commodity in the last 2 years, has impacted strongly. We all acknowledge there will be a ”New Normal”. What that looks like in your business will vary greatly. The way you listen to your staff with empathy, compassion, patience, and understanding will drive your business. The staff, like the owners, have had so much uncertainty for so long now, there may be overwhelm at

coming back, there will certainly be a sense of unease and possibly mistrust.

Talk to your staff, reassure them as much as you can, about their future and give them clear direction of the changes you have noted and are making. Your staff are your greatest asset. If you take care of them, they will take care of you and your business.

“

Great companies don’t hire skilled people and motivate them, they hire already motivated people and inspire them.

SIMON SINEK

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

Small retailers are well suited to pivot, flex, react to consumer demand. Be proactive to consumer demand rather than reactive to slow trade. Create a demand for the consumer of the products and services supplied within the business.

Websites have become more relevant to every business. Many who have never shopped online before, are now used to checking prices and information about the products they are looking for.

Websites need to be updated to reflect todays demands. Consumers today are much more savvy, looking for information about purchases they are about to make. Websites need to be informative and appeal to consumer demand. We JANUARY 2022 | FIND GEELONG

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It’s a New Year – It’s Time to Set Your 2022 Intentions LIFE COACH & COUNSELLING

By Lou Lugsdin

The festivities are over! We may or may not have over-indulged over the Christmas period. We have hopefully had some time to rest and rejuvenate. We have said goodbye to 2021 and it’s now time to welcome in the new year and spend some time planning, preparing and setting ourselves up for 2022!

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For me, January is an incredibly important month. The personal and professional development work that I undertake in January sets the theme, tone, and framework for my year ahead.

And yes, unexpected things can happen during the year, as can challenges and barriers, but for me, getting really clear on my focus and establishing my 2022 intentions are key strategies that help to set me up for a great year ahead.

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What are Positive Intentions?

A positive intention is like a map. It tells your mind where you want to go in life and what you want to achieve. When you are adding a positive intention into your day, you are basically telling your mind what it is you want to accomplish in the next 24 hours.

We all set intentions at the start of each day, whether we know it or not. So, imagine the impact of spending time in January to set some positive intentions for your year ahead. Imagine the impact of having an overview of how you want your year ahead to be! Imagine having intentions to work towards and achieve throughout the year! Imagine being clear on what you want and why! This makes things so much clearer and helps us to move forward and create a life that we want to live and experience, and guides our daily intentions.

So, what do I do every January?

I like to start each new year with some new year rituals. These rituals help me to re-focus, re-energize, and plan for a successful year ahead. I find these rituals to be extremely beneficial, positive, proactive, and rewarding activities.

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Why Positive Intentions?

• • • •

They improve our focus They help us to develop a positive mindset They help us to focus on what we want, not what we don’t want They help us to achieve our goals

º º º º º

Mindfulness – I make sure I participate in daily mindfulness. This helps me to focus and to be able to visualize my year ahead Visualisation – Create a clear picture in my mind of my optimal year and what a successful year would look like if I was living it. Visualising works well with mindfulness and helps me to get really clear on – how I would like to feel on a consistent basis, what I’d like to see happen, how I’d like to live my life, who I’d like to be surrounded by, what I want and why.

Affirmations – I write down positive affirmations – things that I need to believe to be able to achieve my positive intentions.

Vision Board – I create a vision board which is a visual display of my positive intentions and goals for 2022. I put my vision board in a prime location, where I can see it every day. This helps to keep me focused.

Read key Personal Development Books – These books get me motivated and energized and prepare me for a great year ahead.

Books I recommend are – Atomic Habits by James Clear, Feel the Fear and Do It Anyway by Susan Jeffers, Find Your Why by Simon Sinek, The Slight Edge by Jeff Olson

For me, January is an incredibly empowering and creative month. Time spent planning, reflecting, visualizing, creating, reviewing, and setting positive intentions is time well spent! It is these actions that lay the foundations for a successful year and put me in the starting blocks, ready to take off and help other people to move forward and create positive personal and professional change for themselves.

Start 2022 in a positive way and set yourself up for success!

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

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JANUARY 2022 | FIND GEELONG

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New Year… New Cycle…

2022, the year to build BOOKKEEPER

By Mary-Clare Switz

We all know that businesses are cyclical.

The skill is knowing your business’s cycles, when it will be up and when it will be down and how to manage into the future. Some business owners are better at this than others. Too often a business will enjoy the rewards of an up cycle and then hit the down cycle with no plans in place. Suddenly payments from customers slow down. The simple equation is then … less money coming in, less money to pay suppliers. But should it be that way? Maybe a business extends its borrowings to keep up, or negotiate new terms with suppliers, or just not pay them at all until more money comes in.

A solid client/supplier relationship that may have been in place a long time can very quickly sour with non-payment.

A business can suddenly find themselves without some corner stones (ie product and/or service suppliers) that make their business happen.

If you find your business in this position you need to look at what is happening.

You know income has slowed down, but have your expenses? Some expenses will not shift very much if at all. But other expenses should fluctuate with the cycles.

Business owners also fall into the trap of not compromising what they take out of the business. Is it realistic that your own ‘income’ remains at the same level when business is down? Is it realistic to expect your suppliers to become an impromptu line of credit?

Businesses that do not plan ahead for their cycles can quickly find themselves with additional credit that now needs to be serviced and poor (or non-existent) relationships with suppliers. This will affect your customer relationships and it also makes it so much harder to get back into an up cycle. It really takes the fun out of having your own business!

What can you do?

• Have a BAS Agent/Bookkeeper on your team • Maintain good communications with your customers & suppliers • Recognize your cycles and plan for them

• •

Happy New Year!

Know which expenses should fluctuate Keep your bookkeeping up to date at all times

Now is always the right time to review how your business is going today, tomorrow and into the future. It is the beginning of the new year so sit down with your BAS Agent/Bookkeeper and schedule regular discussions and reviews of your business. Your goal should be not only to survive the ups and downs but also to strengthen your business in 2022 and avoid those downs.

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

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

OUR SERVICES

CONTACT

BAS Services

0448 887 286

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.

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

FINANCIAL PLANNER

By Mark Kruger

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Mark Kruger FINANCIAL PLANNER Money Rocket 0429 446 229

mark@moneyrocketadvice.com.au www.moneyrocket.com.au

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JANUARY 2022 | FIND GEELONG

Exit and Emergency ELECTRICAL OPERATIONS

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By Mark Clutterbuck

At Clutterbuck Electrical we are always getting asked by a lot of building owners, tenants, school principals and maintenance managers if they need Exit and Emergency Lighting. The Building Code of Australia (BCA) 2010 states this requirement for this in Section E, Part E4.

In essence every class 5, 6, 7, 8 or 9 building where the storey has a floor area more than 300m2 needs to have emergency and exit lighting. This includes shops, cafes, restaurants, milk bars, schools, offices, warehousing and some residential situations.

All required Exit and Emergency lights must comply with Australian Standard AS2293.1 Exit and Emergency lighting provides lighting for occupants to safely exit a building when the normal lighting has failed due to power loss. Each exit and emergency luminaire is fitted with a battery and is required to provide light for at least 90 minutes after the power fails.

Exit signs need to be clearly visible to the occupants of a building and illuminated at all times. They will be installed directly above exit doors, at the top of staircases and at any change of direction along the way to directing people along the “Egress path” escape route to a final exit or evacuation point.

Emergency lights are installed at regular intervals around a building to illuminate the egress paths out of the building. The type of light, building shape and ceiling height will determine where they are required to be installed.

What are the steps in planning emergency lighting?

• • •

Walk around the premises noting large open areas and potential hazards in an evacuation.

Identify what route people would take if an evacuation was to occur.

Evaluate what fire safety equipment and evacuation measures are in place including fire fighting and first aid equipment, fire detection and alarm systems, location of evacuation hazards, employees’ understanding of escape routes and evacuation, testing of emergency equipment and high-risk areas of ignition.

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Create and implement a plan of improvements to existing systems and equipment, including that the emergency lighting in place is adequate and compliant.

A record of the improvements made to the emergency lighting must be documented and stored in a safe location. This must include a plan for testing the lighting on a regular basis.

The emergency lighting document needs to be reviewed on a regular basis.

Who can test Exit and Emergency lighting?

An appropriately qualified person such as a licensed electrician should be used to test and inspect the components of any style of emergency lighting system.

The AS/NZS2293 standard includes requirements for testing of circuits and sensing of supply to the test facility which can only be performed by someone with the suitable qualifications.

How do I know if my Exit and Emergency Lighting is working?

Every exit sign and emergency light will have a visible LED Charge indicator in either a red or green colour.

If this indicator light is on it means that there is power to the fitting and that the battery is being charged. If the charge light is not illuminated, it means that either there is no power to the fitting or it has suffered a battery charging failure.

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Demonstrating proof that the required repairs identified during the duration test have been carried out is necessary to demonstrate compliance.

AS/NZS2293.2 outlines the Routine Service and Maintenance tasks that must be undertaken and recorded on a 6 monthly, 12 monthly and 10 yearly basis in order to ensure that the system operates correctly as per the installed design.

These tasks undertaken during inspection, include but are not limited to:

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Cleaning of exit signs and luminaire diffusers to remove dirt and insects Visual inspection of fittings for damage or obstructions Inspection of the duration test facility for correct operation Inspect that replacement fittings installed during maintenance match the classification and spacing requirements of the original design Check directional arrows on exit signs are labelled as per the original design Review of the maintenance and service records to ensure any defects or non-conformance recorded during the previous tests and inspections have been rectified.

One last thing, you may hear electricians talking about different types of exit and emergency lighting. There are two main types of lighting. Maintained and nonmaintained.

What are the different types of emergency lights?

Each fitting will also have a test button next to the indicator, holding this button down will momentarily put the fitting into emergency mode.

• Maintained a maintained emergency light is continuously on and when the power fails it switches to a battery powered emergency output.

• Non-maintained - a non-maintained emergency light is not normally lit and activates only when the power fails.

What do I do if I notice that one of my Exit and Emergency lights is not working?

What is the difference between maintained and non-maintained emergency lights?

Ideally steps should be taken to ensure an emergency lighting system is in perfect health and all fittings are operational at all times.

Non-maintained emergency lights turn on only during a power failure. Maintained emergency light illuminate continuously and continue to work during a power failure which enables them to function as both a standard light as well as an emergency light.

If you notice any fittings that are not working and pose a risk to occupant safety, you should report them to the maintenance contractor or other responsible party.

That being said the twice-yearly scheduled duration tests will identify faults and list any defects or nonconformances for corrective action.

Mark Clutterbuck Electrical Operations Clutterbuck Electrical | 0414538394 mark@clutterbuckelectrical.com.au www. clutterbuckelectrical.com.au JANUARY 2022 | FIND GEELONG

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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

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JANUARY 2022 | FIND GEELONG

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When Should You Change Your Will?

LAWYERS

By John Van Beveren

Wills are an important legal document, no matter your age. It is a legally binding document which outlines how your assets are to be distributed following your death. It is important you take the time to ensure your Will gives effect to your wishes.

As difficult as it is to think about, we don’t want to leave the hard decisions to our families when they are grieving or suffering with our passing. Having a valid and accurate Will as well as other documents in place will alleviate a lot of the unnecessary concerns for the loved ones that we leave behind.

A valid and effective Will is one that is tailored completely to you and your family needs that ensures the protection of your assets so that they pass to the beneficiaries that you intend.

Circumstances that require your Will to be updated It is very important that you revisit your Will regularly, as different circumstances throughout your life may give rise to your Will being revoked or invalid. This is to ensure that your assets are passed to the people you actually intended and according to your wishes.

Relationship changes in your life do have a significant impact on your Will, such as: •

Marriage automatically cancels a Will, unless your Will clearly states you were planning this marriage when you made it.

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Divorce does not revoke the entire Will. Generally, it will revoke only any specific gifts to your former spouse but does not revoke the entirely of distribution of your main assets.

Therefore, it is vital after a divorce to correctly revoke and update your Will ifOUR youSERVICES do not want your former spouse access to your assets after you pass and possibly avoid a massive legal drama for your family.

•

If you separate, your former partner will still get your property unless you make a new Will. It is important that you make a new Will after the separation of any relationship so that it cancels your old one.

When you enter or end a de-facto relationship, your Will should also take this into account.

Other life events where it is crucial to update your Will to ensure it is the most accurate and up- to-date document are: • • • •

• • •

Having children, including adopted or foster children, or grandchildren.

Buying significant asset or investment, such as a house.

Get involved in a new business, company or trust.

Your Executor or Trustee appointed in your Will dies, becomes unwilling to act or becomes unsuitable due to age, illness or distance.

A beneficiary under your Will dies.

You sell of giveaway any asset that you had specifically gifted in your Will.

Your financial circumstances change, including any changes to the entities or structures you hold.

How do I correctly revoke my Will?

A Will can only be revoked under certain circumstances. Among these circumstances are: • • •

whether or not a later Will exists, whether there was a document declaring a revocation intention or whether the testator or someone in the testator’s presence and by his or her direction attempted to destroy or write on the Will with the intention of revoking it.

In Victoria, there are four ways to revoke a Will. They are by • creating a new Will, • writing, declaring an intention to revoke it executed according to the Wills Act • destroying the Will, or • by the testator or by someone else in his/her presence and at their direction writing on the Will or dealing with it in such a manner that the Court is satisfied that from the state of the Will, the testator intended to revoke it.

The easiest and most recommended way to revoke a Will is simply by creating a new one. The new Will, if properly executed and includes language that states your desire to revoke prior Wills, will be found to indeed revoke any prior Wills.

Although for small changes a “Codicil” (which is a separate legal document explaining these changes in the Will) can be used, it is important to note that once a Will has been signed, there can be no alteration by crossing out or writing in new clauses. A new Will is the best way to reflect any changes you want to make.

How we can help at Van Beveren Lawyers?

At Van Beveren Lawyers we can help determine when and whether your Will should be updated. If you need to review your Will and want professional advice, then contact our compassionate team at Van Beveren Lawyers.

JANUARY 2022 | FIND GEELONG

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Could you Leverage the Power of Your Super with an SMSF Property Loan?

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FINANCE BROKER

By Allan Houliston

A Self-Managed Super Fund (SMSF) loan or limited recourse borrowing arrangement, as they are also known, are a great option if you are not able to buy an investment property outright.

However, they are one of the most complex forms of finance in the current market and there are some very strict rules that you must adhere to that have been set out by the ATO. Self-managed super fund property rules

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the sole purpose test - this means your fund needs to be maintained for the sole purpose of providing retirement benefits to your members, or to their dependents if a member dies before retirement.

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not be acquired from a related party of a member.

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not be lived in by a fund member or any fund members’ related parties

not be rented by a fund member or any fund members’ related parties. The main exception to this rule is when the fund purchases a commercial property and then leases the property back to the fund member. This is acceptable but the acquired property must be leased at the market rent.

For anyone that already has an SMSF set up or are thinking of moving from either a more traditional retail or industry fund, the first step is to obtain both financial and accounting/taxation advice. Several accountants have an Australian Financial Services Licence, which is required to give advice on self-managed superannuation funds.

However, if you would prefer to deal with your regular accountant and they don’t hold an AFS licence, then you will also need to seek the advice of a financial adviser who does. They can then give both the advice in relation to the benefits of moving to an SMSF, ongoing advice concerning the property & lending and diversification of other investments within your fund.

If property investment is in line with your overall retirement planning strategy, then you will also need to factor in the differences with purchasing an investment property through an SMSF when compared to a standard investment purchase outside of your super.

SMSF borrowing Higher Costs - SMSF loans tend to attract both higher interest rates and set up fees than standard investment loans.

• Single Acquirable Asset – you can purchase land for investment purposes, but you can’t construct on it under a separate contract. You can however purchase a property under a single combined contract, such as properties that are purchased ‘off the plan’.

• Hard to Cancel - If your SMSF property loan documents and contract aren’t set up correctly, you can’t unwind the arrangement. You may have to sell the property, potentially causing substantial losses to the SMSF • Cash Flow - loan repayments must come from your SMSF. Your fund must always have sufficient liquidity or cash flow to meet the loan repayments. This will be offset by the fact that your rental income will also be paid into your SMSF account.

So, there are a lot of facts to consider when looking at this strategy, but the main thing is to do your due diligence and to get the right advisers on board including a finance broker who specialises in this form of lending, which is not common due to the complexities of the arm’s length arrangement.

Finance with a different accent...

Services Residential Investment Loans Commercial Loans

ALLAN HOULISTON

Contact 0405 140 003 Office address: 5/329 Pakington Street, Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

Finance Broker

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.

www.findgeelong.com.au

JANUARY 2022 | FIND GEELONG

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RAT in demand but States are responsible for supply

By Warren Strybosch

The undersupply of Rapid Antigen Test (RAT) kits is causing frustration and concerns for many business owners and consumers alike. With PCR sites turning away people from as early as 4.30am in the morning, everyone is struggling to know how to move forward.

What makes matters worse is that the RAT kits are only free to those who have a Commonwealth seniors health card, a healthcare card, a low-income card, a pension concession card, DVA Gold card or a DVA white card, leaving the rest of Australians having to pay out of their own pockets.

The prime minister announced that anyone selling rapid antigen tests at more than a 20 per cent mark up would be in breach of a biosecurity regulation declared by the Health Minister.

“And that carries a penalty of $66,000 and up to five years in jail,” he said.

“We will include rapid antigen test as those products covered by the export controls that we put in place.”

Mr Morrison said a purchasing restriction of one box of rapid antigen tests per person would be put in place.

The Government is under pressure to provide free RAT kits and more of them. However, it is estimated that it is costing the government $50,000 per person per year to manage the COVID virus. No wonder the government has moved away from government controls to more of a self-managed approach where people are now required to purchase their own RAT kits, and self-isolate for 7-days if the test comes back positive.

Interestingly, it has been heard that the RAT needs to be monitored closely and that at the 15-minute mark, the ‘true’ result will be displayed and after that the RAT test is known to display a negative result even if at the 15-minute mark, the test showed a positive test.

The federal government has stated that the states are responsible for the purchase and administration of the RAT kits.

Also, the federal government has stated that RAT tests do not need to be reported. As per the norm, the Victorian State Government has once again gone against federal government mandates, not only are they complaining they should not be responsible for providing RAT kits (no wonder Victoria has run out), but the state government are insisting that anyone who records a positive RAT result must report it immediately.

Hopefully, the Labor government can find some additional supplies so that business owners and the wider community can get on with their lives.

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Property Maintenance – Why is it important?

PROPERTY SERVICES

•

Well maintained seals will reduce decay and prevent air gaps which can cause inefficiency in winter by letting warm air out and cold air in

•

Cleaned tracks can improve sliders and prevent damage

By Daniel Tomlinson

Many people see property maintenance as a chore and we all hate those! The reality in most cases is that the longer this maintenance is put to the bottom of the list the more of a chore, inconvenience or risk it becomes. This article will call out some of the common maintenance challenges and advantages of dealing with them. There are many benefits to maintenance weather you are a homeowner or renter. Homeowners can ensure their property retains as much value as possible and renters can protect their bond by handing a property back in good condition.

Window Cleaning

• Reduce the likelihood of water damage to your property due to overflowing gutters •

Solar Panel Cleaning

Garden Maintenance

•

If you went to the expense of installing solar then it makes sense to maximise the benefit from it. A clean solar panel is an efficient solar panel

•

Consider your environment to determine frequency of cleaning required. High levels of dust or leaf fall will require more frequent cleans to achieve maximum benefit

•

Garden maintenance is probably not seen to be as important as other maintenance tasks. However, good maintenance will elevate long term headaches

•

Overgrown gardens/lawns are a great place for snakes to hide.

Whilst it doesn’t prevent snakes it will certainly reduce the risks if you have children or pets

•

Little and often weeding is key.

Leaving weeds and grasses to grow in garden beds is the worst. Try weeding this one!

Gutter/Drain Cleaning

•

Removing the dirt can make windows more efficient by ensuring more sun can enter your property contributing to a higher ambient temperature (free energy)

Roots growing in drains and gutter run offs at worst could affect your house foundations and cause major damage

www.findgeelong.com.au

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• The thought of having pests • Keeping up the appearance of running riot in your home is not the property inside and out and pleasant. Give yourself piece of ensuring everything is running mind smoothly • Preventing certain spiders • protects you and your family • • Rodents can chew through critical wires or ducting to damage

General repairs to paint/render General maintenance on AVAC (heating, ventilation and airconditioning

Pest Control

Daniel Tomlinson Property Services Pristine Outdoor Property Services 0468 485 122

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

New figures reveal post-lockdown job boom Andrew Brown (Australian Associated Press)

The federal treasurer remains confident a surge in Omicron cases across the country won’t derail Australia’s economic rebound, following last year’s COVID-19 lockdowns.

It comes as new figures released by the tax office showed 485,000 jobs were created across the nation since September.

Josh Frydenberg said the country had experienced a jobs boom in recent months.

It’s estimated there are 180,000 more people in work now compared to the beginning of the pandemic, “Small businesses across the country who did it so tough early on are now coming (back) better,” Mr Frydenberg told Sky News on Monday.

“What we’ve done so far during the pandemic here in Australia is avoid a repeat of the experience of the recessions that we had in the 1980s and the 1990s,” Mr Frydenberg told reporters.

“We’re not out of this pandemic, there is no room for complacency, and we need to lock in this economic recovery.”

Opposition Leader Anthony Albanese said the rebound in jobs figures was only because the economy had shut down due to government failures surrounding COVID. He said the new data didn’t tell the full story regarding employment.

“One of the things we see with the jobs figures is the fact that two million Australians are either unemployed or want more hours,” he told reporters in Newcastle.

“We’re starting to see these jobs coming back and it’s looking very promising for the Australian economy.”

“They want full-time, permanent jobs, and one of the things we’re seeing in Australia with the insecure work is more casual jobs, less permanent jobs and less security for people.”

The Australian Taxation Office data on Monday comes after the unemployment rate recently fell to 4.6 per cent, which was a 13-year low.

The tax office data takes in the period following the lifting of lockdowns driven by the Delta variant in NSW, Victoria and the ACT.

Meanwhile job advertisements are at a 13-year high, with more than 250,000 positions available.

COVID-19 restrictions across the country eased after the lockdowns ended, but

infection case numbers have surged in recent weeks due to the spread of the Omicron variant.

But despite the rise in infections, Mr Frydenberg said the economic recovery was still on track.

Mr Frydenberg said there would be a natural progression in allowing international tourists to return to Australia, after travellers from overseas were largely blocked from coming to the country for nearly two years.

Responding to calls by leading economists for a more aggressive approach to migration to help fill job vacancies following the pandemic, the treasurer said it would be done in a measured way.

“We’ll continue to have a balanced, considered approach to migration,” Mr Frydenberg said.

“We did see throughout the pandemic last year and the year before that, population growth (was at) … the lowest level in more than a century.

“This is going to be one of the more permanent impacts of COVID on migration.”

Skilled workers, visa holders and international students have been able to return to Australia without the need for a travel exemption since mid-December.

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2022 TA Temporary Full Expensing of Depreciation Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset

Announcement (6-Oct-2020)

write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any

Consultation (6-Oct-2020)

value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Since the legislation has been enacted, further amendments will be made to the laws to allow businesses a choice in using full

Intoduced (7-Oct-2020) Passed (9-Oct-2020) Royal Assent (14-Oct-2020 Date of effect (6-Oct-2020)

expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. Also, certain large entities will have separate eligibility criteria.

Accelerated Depreciation via Backing Business Investment Businesses with less than $500 million in aggregated turnover can accelerate depreciation deductions for new assets in the 2019-20 and 2020-21 income years. Accelerated depreciation rules for these entities have subsequently been superseded by new ‘temporary full expensing’ legislation in November 2020.

However, the option to use accelerated depreciation continues. Accelerated depreciation is available for assets in the first year the asset would ordinarily claim a deduction. In the first year a deduction is allowable for 50% of the installed cost of the asset plus regular depreciation rates for the remainder.

The Backing Business Investment measures are in concert with the extension of the instant asset write-off.

Announced: 11-Mar-2020 Updated: 7-Dec-2020

However, it may only be relevant for some clients until 6 October 2020, when the full expensing regime commenced. Small businesses using pooling can use a 57.5% write-off for assets purchased after 12 March 2020 that do not qualify for immediate write-off in the 2019-20 income year. Small business entities are also covered by the new full expensing legislation.

Instant Asset Write-off - COVID-19 Tax Stimulus Package The instant asset write-off will be available for the majority of businesses during some part of the 201920 and 2020-21 income years. For purchases between 12 March 2020 and 6 October 2020, businesses under $500 million in turnover can get an immediate tax deduction for assets costing less than $150,000.

In the purchasing time frame, the asset needs to be first used or installed ready for use by 30 June 2021.

In the legislation, the update also extends to the low value pool for the 2019-20 income year. An entity with a small business pool balance of less than $150,000 will be able to write off the entire balance (up

Announced: 11-Mar-2020

from $30,000). For the 2020/21 income year, general small business depreciation pools may be written

Updated: 7-Dec-2020

off in full in accordance with the full expensing rules. The government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgment of the tax return. Subsequent legislation introduced into parliament will allow businesses an option of using the instant asset write-offs or to depreciate new assets over their effective life.

Payment Times Reporting Scheme The Payment times reporting scheme is commencing 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large business. In the publicly available report, information about how quickly a big business pays a small business for goods and services is delivered. This can provide a small business a snapshot regarding how quickly they

Announcement (10-Oct-2020) Intoduced (13-May-2020) Passed (6-Oct-2020)

could expect payment for work with a big business, which may help decision making. Small businesses

Royal Assent (14-Oct-2020

also will have the option of opting out from the reporting scheme. This will mean that their identify as a

Date of effect (1-Jan-2021)

small business will remain unknown to a big business throughout the relationship.

AX UPDATES Corporate Residency Test to Change for Foreign Companies A ‘significant economic connection to Australia’ test is a rule proposed to be added to Australian tax residency for foreign incorporated companies. Announced in the 2020 federal budget, this measure draws on a key recommendation of a Board of Taxation report into corporate residency. The new test will be applied to foreign incorporated companies prior to determining the central management and

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced Passed

control test. As part of the announcement, foreign incorporated companies will be required to pass

Royal Assent

both tests to have their worldwide income taxed in Australia.

Date of effect

Small Business Entity Threshold to Increase Many more businesses will be eligible to access income tax concessions with the passing of legislation which extends thresholds currently reserved for small businesses. These concessions include: •

immediate deduction of certain start-up and prepaid expenses

•

exemption from FBT for car parking and work-related portable devices provided to employees

•

access to simplified trading stock rules

•

access to PAYG instalments based on GDP-adjusted notional tax

•

settle excise and excise-equivalent customs duties monthly, and

•

businesses will have a two-year amendment period to apply to income tax assessments for income

Passed (9-Oct-2020)

years starting from 1 July 2021, excluding entities that have significant international tax dealings or

Royal Assent (14-Oct-2020)

particularly complex affairs.

Date of effect

Announcement (6-Oct-2020) Consultation Introduced (7-Oct-2020)

A business will be eligible to access these concessions if their aggregated turnover is less than $50 million. Mostly, the change in aggregated turnover threshold will take place from 1 July 2021, with different dates to line up with the FBT year. Also, the eligible entity can access the simplified accounting method determination for GST purposes from 1 July 2021.

WA COVID-19 Stimulus Package A range of stimulus measures are being implemented in Western Australia to assist business with cash flow issues resulting from COVID-19. In particular, certain businesses in WA will receive grants, while others will be allowed a waiver of payroll tax for four months. A payroll tax exemption has been extended for new apprentices and trainees in the 2020-21 income year. Also, the future uplift of payroll tax thresholds

Announcement: 17-Mar-2020 Updated: 23-Dec-2020

will be brought forward to assist some businesses with their future obligations.

ACT COVID-19 Stimulus Package Starting in March 2020, the ACT government has announced a series of measures which provide waivers or deferrals of payroll tax. These waivers and deferrals are an attempt to combat the economic fallout from the COVID-19 pandemic. Waivers of ACT payroll tax are available for businesses in hospitality, creative arts and entertainment industries. Deferrals are available for other small and medium-sized

Announcement: 22-Mar-2020 Updated: 23-Dec-2020

businesses. Initially lasting 6 months, some of these assistance measures have been extended into 2021.

FBT Exemption for Retraining and Reskilling Proposed An employer may receive a future exemption from fringe benefits tax when providing employees with retraining or reskilling opportunities. This 2020 federal budget announcement will take affect from 2 October 2020, subject to the passing of legislation. The government has also released a consultation

Announcement (6-Oct-2020) Consultation (22-Jan-2021) Introduced

paper with respect to possible changes to the self-education deduction section for individual taxpayers.

Passed

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

Royal Assent

about to be made redundant.

Date of effect

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SUPPORT YOUR LOCAL NOT-FOR-PROFIT

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FIND GEELONG | JANUARY 2022

www.findgeelong.com.au

CLASSROOM LEARNING SUPPORT

VOLUNTEER MAKE A LIFE-LONG IMPACT ON A YOUNG PERSON'S LIFE

Provide general support within the classroom such as reading, numeracy skills or assist with various school projects under the teacher’s guidance.

If you know someone who would make a great role model, share our info!

OUR VOLUNTEERS CHANGE LIVES. EdConnect Australia trains and supports volunteers to

OUR CHANGE LIVES. workVOLUNTEERS in local schools to provide a safety net for young

people who might otherwise struggle to realise their

EdConnect trains potential - inAustralia school and life.and supports volunteers to work in local schools to provide a safety net for young people who might struggle We offer twootherwise volunteering roles: to realise their potential - in school and life.

MENTORING

EdConnectAustralia.org.au P 1800 668 550 E edconnect@edconnect.org.au Facebook @EdonnectAustralia

Provide one-on-one support to a student to improve

We offer two volunteering their emotional and socialroles: wellbeing as well as their

academic performace.

MENTORING

CLASSROOM LEARNING SUPPORT Provideone-on-one general support withintothe classroom as their Provide support a student to such improve reading, numeracy skills or assistas with various school emotional and social wellbeing well as their academic projects under the teacher's guidance. performace.

If you know someone who would make a great role model, share our info!

EdConnectAustralia.org.au

P 1800 668 550 E edconnect@edconnect.org.au Facebook @EdConnectAustralia

Leopold Primary School PO Box 42, Kensington Road, Leopold Vic 3224 Phone: (03) 5250 1233 Email: leopold.ps@edumail.vic.gov.au Web: www.leopold.vic.edu.au

Being Emotionally Available for our Children I’ve been reading an inspirational little book entitled, ‘What your child needs from you,’ by best-selling Australian author and parenting expert Justin Coulson. The opening chapter talks about the importance of being available emotionally for our children.

We’re often not available emotionally because we’re not in the right head space – we’re too busy, we’re too preoccupied with something else or we forget how important it is to give our children our undivided attention.

Another issue is that our children want our attention at seemingly the most inopportune times.

Even though my four children are grown up and are almost totally independent from my wife and I, sometimes when they call on the phone I’m mildly annoyed because I’m in the middle of something ‘important’. Each time they call, I have to remind myself that they are more important than the mundane thing that I’m doing. I need to stop and give them my full attention, otherwise I’ll miss the moment – a golden opportunity to connect with my children.

Coulson states that children who have parents that give them their full attention on a regular basis are able to say: • • • • • •

My parents support me My parents console me when I am upset My parents show they care about me My parents show a genuine interest in me My parents remember things that are important to me My parents are available to talk to me at any time

• • • • • •

My parents spend extra time with me just because they want to My parents ask questions in a caring manner My parents are willing to talk about my troubles My parents talk with me about my interests My parents value my input My parents make me feel wanted

Evidence indicates that children who’ve had the privilege of parents who have done the above have a greater self-confidence, are more resilient, better learners, have superior social skills and are better able to handle their emotions than children who haven’t.

So if we’re too busy to give our children our full attention then perhaps we’re too busy and we need to slow down or change our priorities.

One story that Coulson recounts is of a mother who attended one of his workshops who shared the following:

After learning about being emotionally available with my children, I decided that I would turn off the television at meal times and that we would talk. One night I asked my children what had been good about their day. As they talked, I felt great to be having these conversations with them. When it was my eldest daughter’s turn to tell me about what the best part of the day was, she looked at me and quietly said, ‘Right now, mum’.

All the best everyone.

Rob Hunter LPS Chaplain Robert.Hunter@education.vic.gov.au

www.findgeelong.com.au

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Day Out With Thomas 8-9 & 22-23 January 2022, The Bellarine Railway - Queenscliff Station Spend some time with Thomas, Henry, Oliver, those Troublesome Trucks and even Sir Topham Hatt!

Enjoy

a

ride

with

Thomas

at

Queenscliff, a scenic train ride along Swan Bay, photo opportunities galore and more - plus every child will receive a pack to take home.

Session times are 2.5 hours each: 9.30, 10.30, 11.30, 12.30 and 1.30 - a 2.30 session will be added on demand.

Please visit the website for details, COVID requirements and tickets. bellarinerailway.com.au/day-outwith-thomas/

Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findgeelong.com.au/nfp-free-advertising or you can email the ad to the editor@findgeelong.com.au and we will do the rest for you.

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JANUARY 2022 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

Summer of Fun to Enliven SSL Centres Swim, Sport and Leisure (SSL) centres will throw open their doors for free family fun days this summer.

Members of the community will be able to gain free access to the gym and pool areas at a different SSL centre every Sunday afternoon from 9 January to 13 February.

Each centre will host a different range of activities, such as DJs, live music, coffee vans, group exercise sessions, children’s face painting, balloon sculptures and giveaways.

Greater Geelong Mayor Stephanie Asher said the Summer of Fun program encouraged families to enjoy the array of programs and activities across the City’s SSL network. “ Summer of Fun is a great opportunity to check out your local centre and take advantage of everything they have to offer.

You can pack a picnic, buy a coffee and join the kids for some familyfriendly activities in and around the water. “

In addition, active Webstar’s Swim School (WSS) members will be able to use Splashdown’s slides free of charge daily through to 30 January.

WSS members will also be able to bring a friend for free - and have their parents swim without charge - during the twoweek break from lessons over Christmas and New Year’s.

Cr Peter Murrihy, Chair of the Leisure and Recreation portfolio, said the initiative would add to the region’s burgeoning calendar of recreation and cultural events.

“ There’s so much to see and do at the City’s recreation and cultural venues this summer.

Whether it’s live music and theatre at the Potato Shed, exhibitions and workshops at the National Wool Museum, or rides at the historic Carousel, there’s something for everyone at our facilities. “ The six-week Summer of Fun program will start at Bellarine Aquatic and Sports Centre on 9 January, followed by: Splashdown Leisure Centre – 16 January Lara Aquatic Centre – 23 January Kardinia Aquatic Centre – 30 January Waterworld Leisure Centre – 6 February Leisurelink Aquatic and Recreation Centre – 13 February

www.findgeelong.com.au

City Awards $3 Million in Community Grants New baseball facilities at Wallington and a Geelong Eastern Park Bowls Club upgrade among 40 dynamic projects sharing in more than $3.1 million through the City of Greater Geelong’s 2021-22 Community Grants programs.

The City has endorsed the awarding of 34 Community Infrastructure Grants and five Geelong Heritage Grants totalling more than $3 million.

The Bellarine Bears Baseball Club will receive $350,000 through the Community Infrastructure Grants towards the development of fields, fencing, dugouts, scorers’ box, and lighting at Wallington Recreation Reserve.

Geelong Eastern Park Bowls Club, North Geelong Cricket Club, Newtown City Hockey Club and Manifold Heights Cricket Club will also receive Community Infrastructure grants of between $340,000 and $350,000 to deliver significant facility upgrades for club members and the wider community.

Geelong’s Lazarus Community Centre, which has supported about 400 people experiencing homelessness and disadvantage over the past 12 months, is also a recipient of a $350,000 Community Infrastructure Grant to enable the upgrade of its kitchen, bathroom and dining facilities.

Five restoration projects across Geelong, Fyansford, Portarlington and Lara will share in almost $100,000 under the 202122 Geelong Heritage Grants, which replaces the former Central Geelong Heritage Grants this year to open the funding stream to applications across the municipality.

For more information about City grants and the full list of successful 2021-22 Community Grant applicants visit https:// www.geelongaustralia.com.au/grants/ default.aspx

More News and Updates

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January 2022

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Side Hustle Makers Market Special Guest Food Trucks Time 11AM - 5PM Last Saturday of every month - 27th November - 29th January - 26th February - 26th March - 30th April + SPECIAL CHRISTMAS EDITION 18th December

The now monthly “Side Hussle Market Feat. Food Trucks” will take over “The Bin Chicken - South Geelong”.

The space can accommodate 40 stalls selling their unique handmade goods, alongside a line-up of delicious food trucks, as well as entertainment for the kids and live music.

Host: The Bin Chicken - South Geelong Address: 46 Little Fyans Street, South Geelong

More about the Venue: The Bin Chicken is set to take over South Geelong. This outdoor space is a quirky lot of land transformed into a fun and inviting space to host events, markets, Food trucks, and even has a resident sailboat boat. This new space is well and truly an outdoor oasis.

Inspired by Dixon’s similar past project ‘The Bird Watching Society’ in Prahran, the new outdoor event space intends to host food trucks, coffee vans, unique themed markets and stallholders, car clubs and sports groups, plant sellers, popup stallholders, and fitness groups/ teachers, offering Geelong a unique space to explore all the things we love.

To get involved please message our Facebook page.

When Various dates from 27 November 2021 to 30 April 2022 Where The Bin Chicken South Geelong Wadawurrung Country, 46 Little Fyans Street, South Geelong VIC 3220 Cost This is a free event Contact Aaron Dixon Email: aaron.dixon@outlook.com.au Phone: 0466 225 406 Associated organisation: The Bin Chicken - South Geelong Website: http://www.facebook.com/ TheBinChickenSouthGeelong/ Facebook: http://www.facebook.com/ TheBinChickenSouthGeelong/

Sunday to Wednesday: 10:00am - 8:00pm (last entry 6.45pm) Thursday to Saturday: 10:00am - 10:00pm (last entry 8.45pm) Thursday to Saturday 7:00pm - 10:00pm is ‘Pixar Putt After Dark’ evening sessions for adults 18+ Buy your tickets now When Daily from 23 December 2021 to 30 January 2022 Where Transvaal Square Wadawurrung Country, 1 Yarra St, Geelong VIC 3220 Get ready to kick some serious putt when Pixar Putt takes Geelong to infinity…and beyond, this summer!

Australia’s much loved open-air mini golf sensation is made up of interactive putt-putt holes inspired by the stories, characters and icons from some of Pixar ‘s most beloved films including Toy Story, Monsters Inc, Soul, The Incredibles, and more and will feature a new hole from Disney’s recent hit movie, Luca.

Putt your way around 9 or 18 holes at Transvaal Square, Geelong Waterfront for a limited season from 4pm Thursday 23 December until Sunday 30 January.

While perfect for players of all ages during the day, ‘Pixar Putt After Dark’ sessions for adults 18+ will also be available from Thursday to Saturday nights from 7:00pm10:00pm.

Opening Hours

Facilities • Children’s activities • First Aid available • Toilets available Contact Associated organisation: Pixar Putt Australia Website: https://www.pixarputt.com.au/

www.findgeelong.com.au

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Great family fun!

Twenty-thousand years ago, Earth is a wondrous, prehistoric world filled with great danger, not the least of which is the beginning of the Ice Age. To avoid a really bad frostbite, the planet’s majestic creatures - and a few small, slothful ones - begin migrating south . The story revolves around sub-zero heroes: a woolly mammoth, a saber-toothed tiger, a sloth and a prehistoric combination of a squirrel and rat, known as Scrat.

Friday Night Flicks

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

When 14 January 2022, 07:30 PM - 09:30 PM Where Potato Shed Cost • Adult: $10.00 • Concession: $8.00 • Family Contact Lisa Harvey or Rob MacLeod Email: potatoshed@geelongcity.vic.gov.au Phone: 03 5251 1998 Website: http://www.geelongaustralia. com.au/potatoshed Facebook: http://www.facebook.com/ potatosheddrysdale

Joyous high vibes yoga grounding sound bath.

flow

and

Not your average yoga class - think high vibes fun filled yoga set to EDM playlists.

We dont care what you wear or if you have never done yoga. We would just love to see you move and smile with us.

Portion of every ticket sold is going to Lifeline.

Electric Feelz Yoga

Tickets through Eventbrite (Elextric Feelz) or Instagram @electric_feelz_yoga When Every Thursday of every week from 06 January 2022 to 27 January 2022 07:00PM - 08:15PM

Where Ocean Grove Park Pavilion Wadawurrung Country, Presidents Avenue, Ocean Grove Cost Adult: $15.00 Per session Child: $0.00 Free entry with paying adult Contact Lauren Pettigrove and Kristie Johnstone Email: electric.feelz.yoga@gmail.com Phone: +61400009015 Associated organisation: Lauren Pettigrove Yoga Facebook: https://www.facebook.com/ electric.feelz.yoga

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Circus Wonderland Circus Wonderland is a heart-warming hour of fun! Be astounded and amazed at the sideshow antics of a mesmerizing cast of world class circus performers presenting a hilarious and thrilling magical Circus Wonderland Adventure for the whole family.

This delightful hour of fun will keep everyone on the edge of their seats.

“Absolutely Brilliant” …. The Advertiser “From the wooden floors and booths to the lighting that adorned the stage to shine brightly on the performers it was like stepping back in time to watch a great show with caramel popcorn and candyfloss. Enjoyed by the whole family” “Amazing show!! Fantastic and engaging performance! Would go back in a heartbeat!”

“Fabulous day out for all ages! Thoroughly enjoyed the entire show and will be back again”

When Various dates from 26 December 2021 to 26 January 2022, 6:30 PM - 07:30 PM Where Lahey Park Square Wadawurrung Country, Ewing Blyth Drive, Barwon Heads, VIC, 3227 Cost • Adult: $30.00 • Child: $25.00 • Concession: $25.00 • Other/More Information

Please see website for full ticketing options

Contact Melissa Head Email: functions@ wonderlandspiegeltent.com.au Phone: 03 9602 1311 Associated organisation: Wonderland Spiegeltent Website: https://www. wonderlandspiegeltent.com.au/

Facebook: https://www.facebook.com/ WonderlandSpiegeltent/

Candlelight Geelong: Sci-Fi and Fantasy ft. John Williams & Hans Zimmer Enjoy some of the greatest sci-fi and fantasy film soundtracks like never before!

Surrounded by the gentle glow of candlelight, you’ll listen to musical masterpieces created by the brilliant minds of Hans Zimmer and John Williams, among others.

No doubt these tracks will sound familiar, as they give life to films such as Jurassic Park, Harry Potter and Star Wars.

Still, with this concert’s sublime performance and stunning atmosphere, you’ll feel as if you’re listening to them for the first time.

Learn more and book online now When 14 January 2022 Upcoming dates 14 January 2022, 09:30 PM - 10:30 PM 14 January 2022, 07:45 PM - 08:45 PM

Where Botanic Gardens Wadawurrung Country, 1-49 Garden Street, East Geelong 3219

Contact Website: https://feverup.com/m/107988

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They regularly play as an acoustic trio version, but are best known as the danceworthy electric 4 piece lineup with Simon Dawe on drums, Jeff Raglus on trumpet, guitar and vocals, Randall Forsythe on guitar and Evan Jones on bass.

C’mon feel the noise of the Nu Surf Sound!

When 14 January 2022, 12:00 PM - 02:00 PM Where Little Malop Central

Wadawurrung Country, Little Malop Street, Geelong between Moorabool and Yarra Streets

Music in the City - Beachniks We are excited to announce the Beachniks will be performing in Little Malop Central. This band has been playing and living in Lorne for about 15 years. This has enabled the band to develop their own unique sound.

They describe their music as ‘Nu-Surf’ which is a blend (in equal amounts) of

Dub reggae, 60’s garage surf-rock , folk and jazz.

Releasing 2 CDs on the Jazzhead label and in addition to this, the bands leader Jeff Raglus, did his own solo release ‘Bellatrix’ which heavily featured The Beachniks.

Cost This is a free event Contact Helen O’Beirne Email: hobeirne@geelongcity.vic.gov.au Phone: 03 5272 4804 Associated organisation: City of Greater Geelong

In celebration of the The Africa Cup of Nations, (AFCON) being held in Yaoundé, Cameroon from 9 January, Fowl Play Games & Events in support of Bantu Afro Market, Geelong will be hosting Bubble Soccer tournament sessions!!

Grab a group of your friends together and register as of any of the 24 African countries you want to represent.

ONLY 4 teams a session.

ONLY 3 sessions available.

Contact us to register your team!

PH: 0455 173 178 When 22 January 2022, 12:00 PM - 06:00 PM Where Barwon Valley Activity Centre

Wadawurrung Country, 1 Barwon Heads Road Belmont

Cost Participant Entry Fee: $25.00 Contact Nick Email: help@fowlplaygamesevents.com.au Website: https://fowlplaygamesevents. com.au/ JANUARY 2022 | FIND GEELONG

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FIND GEELONG | JANUARY 2022

The Festival of Sails annually attracts around 300 yachts and 4,500 sailing competitors to Melbourne and Geelong over the Australia Day holiday period.

With over 15 different race series catering from the highest performance Grand Prix racers to trailable cruisers, the varied race action is sure to offer something for everyone, and spectators will certainly not be disappointed.

First held in 1844, the Festival of Sails is Victoria’s oldest ongoing sporting event, and the largest annual keel boat regatta in the Southern Hemisphere.

For those not competing on-water, there is plenty of shore-side excitement taking place with over 100,000 people flocking to the stunning Waterfront Geelong over the Australia Day holiday period to be part of the excitement.

www.findgeelong.com.au

The shoreside waterfront entertainment will feature:

> > > > > >

Free live music across two precincts Great food and wine Children’s entertainment Free Discover Sailing experiences for the whole family Food trucks and market stalls Plenty of interactive activities!

Check out what the Festival of Sails has to offer: The Royal Geelong Yacht Club take great pride in its role as host of this regatta, expanding its reputation as a global player each year!

When Daily from 22 January 2022 to 26 January 2022

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

Where Royal Geelong Yacht Club Wadawurrung Country, Waterfront Geelong Cost • Free & Ticketed areas • Participant Entry Fee • This is a free event Contact Royal Geelong Yacht Club Email: info@rgyc.com.au Phone: 03 5229 3705 Associated organisation: Royal Geelong Yacht Club Website: http://www.festivalofsails.com.au Facebook: https://www.facebook.com/ Festival.of.Sails Twitter: https://mobile.twitter.com/ festivalofsails

www.findgeelong.com.au

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[Wall]flower is a group exhibition curated by artist, Katherine Marmaras, and presented by Geelong Art Space featuring local regional artists and makers together with those from further afield.

[Wall]flower Exhibition

The exhibition features works that push the boundaries of contemporary art and craft practices by highlighting and bringing them together; bringing them to the forefront in a contemporary context so that they are no-longer considered as ‘wallflowers’.

Exhibiting artists and makers include: Di Ellis, Deborah McHugh, Ema Shin, Jess Hall, Katherine Marmaras (curator), MaryEllen Belleville and Miranda Brett.

When Various dates from 16 December 2021 to 29 January 2022, 12:00PM - 05:00PM Where Geelong Art Space Wadawurrung Country, 89 Ryrie Street Geelong

Contact Katherine

Email: geelongartspace@gmail.com Associated organisation: Geelong Art Space Website: www.geelongartspace.com Facebook: https://www.facebook.com/ geelongartspace

Portarlington Market

Contact Portarlington Market

The Portarlington Market is a vibrant, volunteer run, community market offering a range of products and a fun day out, held the last Sunday of each month from Sept to April.

When Various dates from 24 October 2021 to 24 April 2022, 9:00 AM - 02:00 PM

Phone: 0490 060 574

Offering fabulous views overlooking the bay, visitors to the market have the opportunity to purchase handcrafts, clothing, fruit and vegetables and much much more.

Wadawurrung Country, W G Little Reserve Newcombe St VIC 3223

Where Parks Hall

Email: lionsportmarket@gmail.com

Associated organisation: Portarlington Market Facebook: https://www.facebook.com/ Portarlingtonmarket

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JANUARY 2022

Free Advertising

Religious Groups and Churches Services Times Public Notices

Geelong

1300 88 38 30

editor@findgeelong.com.au

Religious Groups and Churches

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.

Eat

Shop

Game on Mix up the holiday activities and impress the kids with your skills at <Insert arcade or entertainment retailer i.e. arcade, bowling> and be hailed the hero of the holidays.

Ready, get set, play!

Let them burn off extra energy at , located on <insert location i.e. level 2 near Degani Cafe> whilst you take a brief moment to yourself - it’s a win-win situation!

Welcome to the ultimate guide to making the most of the summer school holidays at Westfield Geelong. From events to new movie releases, now is the time to create your game plan for maximising fun with the kids before the school bell rings again.

What’s on Mark your calendars - here are some exciting, noteworthy events coming your way.

Summer Themed Keyrings Wednesday 12 January at <>

Worked up an appetite?

Make sure you’re fuelled up to continue on your escapades around the centre and beyond. Whether you’re after an allergy-friendly menu or the best babyccino in town, there’s something for everyone.

Launch Espresso & Kitchen Old Man Pho Schnitz

Find out more > Terrariums Friday 14 January at <> Find out more > Slime Wednesday 19 January at <> Find out more > Sit back, relax and enjoy the movie Leave the entertaining to the big screen and catch up on the latest releases for kids at Village Cinemas Geelong. Popcorn for them, plus downtime for you, everyone wins.

Movie Find out what else is new for big kids and grown ups too

Parking for parents with prams Visiting with a pram? For your convenience, we have pram parking located at .

Fun at home For more ways to entertain the kids, check out our Kids in the Kitchen series for fun recipes for little hands. Pick up the ingredients you need from Coles.

• •

[Kids in the kitchen: 4 healthy summer snack ideas for busy families >] [Kids in the kitchen: Treats that are almost too cute to eat >]

Unlock exclusive benefits with Westfield Plus Make the most out of the school holidays (and every day).

Download the free Westfield Plus App to access member-only offers, events and services that’ll make your centre experience so much more awesome.

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FIND GEELONG | JANUARY 2022

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 Geelong 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

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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 Skate Park 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, open-air performance areas, and stereo music.

Events designed for young people are held here throughout the year, many of them are free.

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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 (Geelong’s Poppykettle area, and Boardwalk.

find the Boat House restaurant best spot for fish and chips), the Playground, a designated fishing the marvelous Western Beach

Curving out over the water the boardwalk has well-placed 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 wideopen 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

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Steampacket Gardens Located right beside the water Steampacket Gardens Geelong is a big rectangle of lush lawn that’s perfect for a relaxing picnic or a game of frisbee.

A path on the northern edge connecting the gardens to the bay has seats where you can enjoy the sea breeze and watch the nearby helicopter toing and froing.

On the eastern side you’ll find the Wharfshed Cafe serving yummy meals and to the west sits the delightful historic carousel.

There are some interesting art sculptures dotted around the park. Be sure to check out the Volunteer Rifle Band bollards and The Buoys sculpture, a group of former channel buoys that have been turned into a powerful piece of artwork.

The Geelong Waterfront Makers and Growers market (Steampacket Market) is held here on the first Sunday of each month. This popular market offers local produce, beautiful art and handicrafts, and lots of tasty treats.

You can read about other popular Geelong markets here.

Geelong Helicopter Rides Geelong Helicopters specialises in scenic flights, private charter, aerial photography, and tours.

This is a wonderful way to see Corio Bay, the Geelong CBD, Barwon River, Torquay, and the famous Bells Beach.

Operating daily from the Yarra Street Pier, flights start at $59.00 pp for 5 minutes.

Geelong Carousel The Carousel Geelong is a rare 1892 Armitage-Herschell handcarved wooden carousel.

One of only a few in the world this beautifully restored carousel is considered by many to be the best that’s still in use today.

Housed in a modern steel and glass enclosure the pavilion has an old-world carnival atmosphere that’s enhanced by a pipe organ playing Dixieland melodies.

A ride on this enchanting carousel is a magical experience for children of all ages and abilities, with a mobility lift that assists wheelchairs onto the attraction.

Entry into the pavilion is free. Tickets to ride the Carousel are $5.00.

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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

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Today, all you need to do is write a blog.

Is It Possible To Live Younger?

Blogs are easy – step 1. chose a descriptive name, step 2. register your blog, step 3. write and publish your first post.

1. Commit to a cause You up the voltage on living when you commit to a cause. Earthquake relief, saving an endangered species or education for the marginalisedwould all satisfy – as long as you commit and become part of the team.

Then get further involved by watching relevant YouTube videos.

5. Learn from your younger self.

Photo by Anastasia Shuraeva from Pexels

This is when you develop new and original ideas, methods or objects.

RETIREMENT

By Bernard Kelly MBA

In 2002, Becca Levy’s (Yale University) research provided us with evidence that adopting a positive mindset on aging creates 7.4 years of additional life, all other variables being equal.

But how can you actually live younger in your retirement years?

With lifespan increasing significantly, we’re sure that this question has been on your mind.

Here’s a few ideas: 1. Get creative and stimulate your mind.

It’s fine to do a daily Sudoku puzzle, but to live younger, you really should go a few steps further - towards Creativity.

RETIREMENT

An example would be when you establish a $2 Travel Club – arrange excursions on your local metro network at the daily senior’s fare.

2. Engage with people of all ages.

One of the attractions of volunteering is that you create friendships with likeminded people.

You too can achieve this level of satisfaction if you commit to keeping yourself updated on social media.

If you are still looking for direction, reflect what were your dreams were at age eight, or twelve or as a late teen.

That’s where you’ll find your energy and excitement and the route to living younger.

As over half of us will live at least until our mid-nineties, our retirement years are likely to span several decades.

That’s a long time to be bored, which is why attempts at living younger are so vital.

Bernard Kelly MBA is a retirement coach.

Feel free to contact him anytime. His email is bernardkellygeelong@gmail.com

Just pick any platform and start conversions with your peers - on any topic that interests you.

BERNARD KELLY

3. Stand up for what you believe in.

Today, you don’t need to be out in all weathers on Sundays at Speakers’ Corner.

Bernard Kelly is a (volunteer) retirement success coach

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

WHO WE ARE

WHERE WE WORK

WHAT WE DO

Find Retirement is a part of the Find Group of

We service clients throughout Melbourne, Bendigo

We don’t sell proucts but provide simple

companies offering Retirement Planning, Accounting,

and Geelong and surrounding areas. With access to the internet it does not matter where you live.

retirement planning solutions.

Super, and Insurance service to our clients.

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.

JANUARY 2022 | FIND GEELONG

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www.findgeelong.com.au

www.findgeelong.com.au

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FC LEOPOLD FC Leopold Coaching Announcement FC Leopold would like to announce it’s appointment for our Men’s Senior team for season 2022, Jarrod Gladman Jarrod is the only new face this year in the Senior Coaching Group. ‘Gladdy’ comes to us as a C Licenced coach with 10 seasons of varied experience - from GRFA Sunday League to FV State League 1, where he was most notable as Corio SC’s Assistant Coach to their Senior Men’s State League team “I’m looking forward to being apart of the continuing success that the club [FC Leopold] has had on and off the pitch in recent years”

FC Leopold would like to announce its appointment for our Men’s Reserve team - Carlos del Rio Carlos maintains his commitment to FC Leopold as the Coach of our Men’s Reserve team after leading the Senior Men’s team in a difficult season, that saw all of football in Victoria come to a halt on a number of occasions before it’s penultimate ceasing with the team challenging for finals.

FC Leopold is pleased to announce their Senior Women’s Coaching line-up for the upcoming season in 2022 will be Liam Tench (Head Coach) and Karen Costelloe (Assistant Coach).

Both Liam and Karen are familiar faces around FC Leopold, where Liam took on the role of Assistant Coach of our Senior Men’s, while Karen was Head Coach of the Women’s team last season.

Welcome and good luck for the season ahead !

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www.findgeelong.com.au

Lawn Bowls in Leopold Victoria

Social Bowls

Jack Attack

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.

A fun bowls competition for those who want a bit more than social or barefoot bowls, but big on social. Teams of 3 over 6 weeks,

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 game.

Entry fee of $5 per player includes use of bowls and BBQ come and meet new people.

New-season resumes Friday 29th January from 6.30 pm

There a couple of different competitions through the year.

Winter Social Bowls Start time: Saturday and Mondays at 12.30 pm Cost: $6 per player. Raffles on the day.

New Bowlers welcome.

Name on the sheet in shed or Call the club on 5250 4666 or Barry Smallman on 0425133870

Pennant Pennant competition is played over 18 weeks (plus finals) where you represent your club in a team and play against other clubs.

Depending on which day and division you are selected to play, the teams will vary from 8-16 players. Rinks always consist of 4 players.

Pennant is played both on Saturdays and Tuesdays (Midweek).

Please call the club 5250 4666 to speak our Bowls coordinator/coach Paul Williamson

Bowls Victoria

www.findgeelong.com.au

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Melbourne Renegades Big Bash League The Melbourne Renegades are back at GMHBA Stadium this January!

RENEGADES BBL GEELONG FIXTURES: Thursday 6 January, 2022 Renegades v Heat, 6:05pm GMHBA Stadium Tuesday 11 January, 2022 Renegades v Sixers, 7:15pm GMHBA Stadium Tickets on sale now Where GMHBA Stadium Wadawurrung Country, 370 Moorabool Street, Geelong VIC 3220 Email: enquiries@kardiniapark.vic.gov.au Phone: 03 5224 9111 www.melbournerenegades.com.au

www.findgeelong.com.au

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Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at Click Here or you can email the ad to the editor@findgeelong.com.au and we will do the rest for you.

JANUARY 2022 | FIND GEELONG

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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

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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

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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

PERSONAL ADVICE

MONEY COACHING

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.

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.

The Infinity Program DIY online course

Super, investments

Retirement planning

Cashflow PT 1-on-1 coaching

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Centrelink Best uses for cash

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1300 667 141

Singles / couples, young or old

mark@moneyrocketadvice.com.au MARK KRUGER

www.moneyrocket.com.au

Financial planner

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

OUR SERVICES BAS Services

0422 800 012

Bookkeeping & Payroll

mc@biscuitbooks.com.au

Services

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Business Services MARY-CLEAR SWITZ Bookkeeper

CONTACT

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

Geelong’s Premier Newlaw Firm With A Personal Approach. We Provide High Quality, Timely & Tailored Legal Solutions With Price Certainty Australia Wide.

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

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

JOHN VAN BEVEREN Lawyers & Conveyancers

JANUARY 2022 | FIND GEELONG

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PROFESSIONAL SERVICES

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Without why, we have no direction!

Find your WHY! Move Forward - Create Change!

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

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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

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www.developingexcellenceinbusiness.com.au DICOVER MORE ABOUT THE 5D PROCESS

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Plan a Webpage

1300 667 141

Build a Webpage Launch a Webpage

ADAM SIMS Web Developer

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.

Find out more. Engage us and begin your journey!

Finance with a different accent...

Services

ALLAN HOULISTON Finance Broker

Contact

Residential

0405 140 003

Investment Loans

Office address: 5/329 Pakington Street,

Commercial Loans

Newtown, Vic, 3220

Vehicle and Asset Loans

info@aislingfinancial.com.au

Self-Managed Super Fund Lending

www.cruzingaragedoors.com.au

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.

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

JANUARY 2022 | FIND GEELONG

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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 ------60 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

JANUARY 2022LOCAL | FIND GEELONG TRADIES63

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-------61 Electrician----------------62 Embroidery--------------62 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 JANUARY 2022 | FIND GEELONG

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PAGES

HOME & GARDEN

Best Quality Embroidery

Geelong Industrial Monogramming has been established since 1982, and is proud to be a family owned and operated business. During that time we have seen it grow from a small cottage industry to a fully operational factory and retail store with 20 experienced staff, servicing some of Australia’s biggest suppliers, including: YAKKA, Ford Motor Company, Rays Tent City Cant tear em’ and many more. We were Geelongs first embroidery business, and we strive to excel in our customer service and satisfaction by producing quality workmanship with garments made to last.

57 Morgan st North Geelong, Australia 3215

0412 670 310

Kerry@gim.net.au

www.gim.net.au

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.

Kerry Kaspi Branded Apparel & Marketing

Geelong Expert Electricians COMMERCIAL SERVICES

CONTACT

Quality Service for Commercial Fit-Outs 0414 538 394

Improving Existing Infrastructure

DOMESTIC SERVICES

mark@clutterbuckelectrical.com.au

Home Maintenance

www.clutterbuckelectrical.com.au

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.

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

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

JANUARY 2022 | FIND GEELONG

65

Birth, Deaths & Marriages January 2022

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 JANUARY 2022 | FIND GEELONG

67

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

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findgeelong.com.au/register Please refer to Page 83

LOCAL COUPONS OFFERS JANUARY 2022 | FIND GEELONG

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BUSINESS NAME

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

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FIND DINING

FIND BREKKY, BRUNCH & LUNCH

001

PAGE NO.

COMING SOON

CARD NO.

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COMING SOON

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001

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COMING SOON

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COMING SOON

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Bear & Bean

FIND COFFEE

Bear & Bean

FIND TAKEAWAY

001

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

Bear & Bean

FIND ENTERTAINMENT

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

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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

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

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

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

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Coupons &

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

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

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

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

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

& Find Cards Policy

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

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

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

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

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

Copyright 2021 Find© Pty Ltd.

JANUARY 2022

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.

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.

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.

www.findgeelong.com.au