Find Casey 2022 - July Edition

Casey The

JULY 2022

WHAT’S INSIDE:

04

LOCAL STORIES

09

COLUMNIST ARTICLES

16

TAX UPDATES

18

REAL ESTATE - RENTAL LISTINGS

20

CASEY COUNCIL NEWS

22

NOT-FOR-PROFIT EVENTS & ARTICLES

34

FIND FAITH

36

FIND BIRTH, DEATHS & MARRIAGES

38

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER CASEY

CRAIG ANDERSON General Insurance 0418 300 096

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

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JULY SPONSOR

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COLUMNIST CONTRIBUTORS ACCOUNTANT| FOUNDER

WARREN STRYBOSCH

TEAM/LEADERSHIP COACH

GENERAL INSURANCE

LACTATION CONSULTANT

CRAIG ANDERSON

JOANNA STRYBOSCH

LESLEY-ANNE BANTON

AUTO MECHANIC

BOOKKEEPER

HAIRDRESSER

PARAMEDIC

Are you our next Auto Mechanic?

Are you our next Bookkeeper?

Are you our next Hairdresser?

Are you our next Paramedic?

LAWYER

ENGINEER

PHARMACIST

SOLICITOR

Are you our next Lawyer?

Are you our next Engineer?

Are you our next Pharmacist?

Are you our next Solicitor?

WEB DEVELOPER

PHYSICIAN

VETERINARIAN

MARKETING

Are you our next Physician?

Are you our next Veterinarian?

Are you our next Marketer?

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Are you our next Web Developer?

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

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Casey

OUR NEWSPAPER The Find Casey 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 Casey has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS CASEY

The City of Casey is a loacl government area in Victoria, Australia in the eastern suburbs of Melbourne. Casey had a population of approximately 340,419 as at the 2019 Report which includes 24,279 business and close to 122,206 households. The City of Casey was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

ACKNOWLEDGEMENT The Find Casey acknowledge the Traditional Owners of the lands where Casey now stands, the Wurundjeri 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 Casey 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 Casey will be published on Wednesday August 10, 2022. Advertising and Editorial copy closes Monday August 1, 2022.

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About the Find Casey

By Warren Strybosch

The Find Casey is a community paper that aims to support all things Casey. 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 Casey 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/findcaseyshire) so you keep up to date with what we are doing.

We value your support, The Find Casey Team.

Migration lift not only jobs fix: Chalmers Andrew Brown and Alex Mitchell

(Australian Associated Press)

Treasurer Jim Chalmers says an increase to migration numbers is not the only solution to skills shortages, as businesses and unions prepare to come together for the government’s jobs and skills summit.

The two-day summit, announced by Prime Minister Anthony Albanese on Monday, will be held on the first two days of September, bringing together more than 100 people from a range of industries.

The treasurer has indicated there was the opportunity for ideas raised at the summit, a key election commitment, to be used as soon as October’s federal budget.

But while business groups have been calling for a rise in skilled migration numbers in a bid to relieve workforce shortages, Dr Chalmers said that was not the only solution to the issue.

“As we emerge from that period of COVID, where the migration tap was largely turned off, that should be an opportunity

to talk about the best mix of migration as the program gathers speed again,” he told ABC radio on Tuesday “I would caution people against thinking that migration is the solution to all of our economic challenges. That’s part of the story but it’s not the whole story and it shouldn’t be a substitute for training Australians for roles.”

The treasurer said the summit would be critical following years of stagnant wages growth.

Dr Chalmers said it was important for the summit to bring as many people together to tackle issues facing jobs and workers.

Among them was the ability of employers to cancel enterprise bargaining agreements without consultation, an area which Dr Chalmers said was an issue.

“The tearing up of agreements has been a problem in our industrial relations architecture for some time,” he said.

“It’s one of the reasons why I do think we need to have a look at bargaining and

Meanwhile, Mr Albanese has not ruled out opposition input at September’s summit, responding “who says they’re not?” when asked why they hadn’t been invited.

“We’ve announced when the jobs summit will be. We haven’t announced an attendance list. We’ll consider those things in the fullness of time,” Mr Albanese told reporters.

It follows criticism from deputy Liberal leader Sussan Ley, who said the summit “does nothing” to address job-related challenges, adding the government should “save everyone the trip to Canberra”.

But shadow treasurer Angus Taylor took a different view, saying the summit could only be taken seriously if the opposition was invited.

“If the government is serious about building genuine consensus behind the summit and the resulting white paper, they must ensure parliamentarians from all parties, including the opposition, have a seat around the table in September,” he said.

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Will we see record snowfalls in 2022?

By Warren Strybosch

The ski season started off with high expectations and predications are that 2022 would be the season for record snow falls. We saw Victoria’s ski fields covered in early-season snow that broke 22-year records but was that an early prediction of what is yet to come or just mother nature teasing us once again.

A great ski season may still become a reality but so far, the season has been a mixed one, with high snow falls one week and then rain the next turning all the snow into mush.

As at time of writing this article, Falls Creek had 80 out of 90 trails open, Mt. Baw Baw Alpine Resort only had 2 out of 17 open, Mt. Buller had 14 out of 61 open, Mt. Hotham only had 63 of its 100 trails open.

Currently, most of the snow can be found at Mt. Buller. Personally, I am hoping that the best of the season is yet to come as I am heading up to Falls with the family in September.

“In terms of getting snow this early and before Queen’s Birthday, it has only

Open Dinner Plain 3 days ago

Falls Creek Alpine Resort 3 days ago

Mt. Baw Baw Alpine Resort 3 days ago

Mt. Buller 3 days ago

Mt. Hotham 3 days ago

Snowfall

1"

Jun 30

0"

Base Depth

1-3"

Powder

24-29"

Jul 08

Machine Groomed

4"

12-12"

Jul 08

3"

Powder

19-19"

Jul 08

Packed Powder

3"

20-29"

Jul 08

happened twice in the last 50 years [on record].”

Bureau of Meteorology senior forecaster Matthew Thomas said the strong snowfalls were a result of a burst of cold air pushing over south-east Australia and high precipitation.

With Victorian ski resorts been hit hard over the past 2 years due to Covidrestrictions leading to shortened seasons,

Wet Snow

Open Trails

Open Lifts

1/1

1/1

N.A.

3/14

2/17

3/7

14/61

18/22

63/100

10/13

many ski business operators are really hoping that this year will be a great year for their businesses and those who love going to the snow.

Many business owners are feeling optimistic for the remaining season.

If you happen to be up at Falls Creek and see a guy with a ‘Find’ cap on having a coffee, feel free to stop and have a chat.

Happy skiing everyone.

Pilots pressured to fly while tired: union “The (survey) results show workers continue to bear the brunt of aviation’s peaks and troughs while profit-fanatic executives draw bonuses and exorbitant salaries.

By Liv Casben (Australian Associated Press)

Australian pilots are being pressured to fly while tired and work around “unstable” rosters, according to a union survey.

“We need a commission to rebalance aviation, support good jobs, and ensure Australians can always rely on safe and secure skies.”

The survey by the newly-merged Transport Workers Union and Virgin Independent Pilots’ Association has highlighted concerns about job security after thousands of aviation workers were stood down earlier in the COVID-19 pandemic.

Of the 150 respondents from multiple companies, more than half said roster uncertainty was pressuring pilots to work while tired or unfit to fly. The vast majority expressed concerns about fatigue management and believed there was a growing trend towards insecure work.

Workers will meet in Perth on Tuesday for the official launch of the TWU’s pilots division after the merger was recently approved by the Fair Work Commission.

Rex pilots, represented by the Australian Federation of Air Pilots, last month voted to take protected industrial action after years-long wage negotiations stalled.

One respondent to the TWU survey said industry morale was at an “all-time low”, with the pandemic used as an excuse to erode wages and conditions.

“Bringing pilots into the TWU means all aviation workers benefit from the might of collectivism, from the ground and baggage room right through to the flight deck,” TWU national secretary Michael Kaine said.

“Very few pilots would view this as a sustainable career in the long term anymore,” another respondent said. “We have no job security, are asked to work more for less and have no control of our lives due to rostering practices.”

JULY 2022 | FIND CASEY

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Are you a Financial Planner looking for more clients?

Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

List in our Find Aged Care Accommodation Website Are you an Established and experienced Financial Planner providing Aged Care Advice?

Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website.

List with us, and we will get you promoted through our website, social media, and local community papers.

Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area?

To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

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Oh, the pain of interest rate rises

By Warren Strybosch

I don’t know about you, but we are feeling the pain of all these interest rate rises, and I am not sure anyone, except the RBA, knows when they are going to stop.

We were supposed to have had our renovations finished last year but it got pushed out to June and even now we continue to incur delays. This delay has resulted in us missing locking in our interest rate on the new home mortgage (currently the construction loan). We were supposed to have locked the rate in back in January for four years. So, not only has the renovations cost us more due to building supply constraints due to COVID, but we are now going to have to pay higher mortgage repayments over the next four years because of the unforeseen delays – we have missed the ‘fixed-rate’ boat.

Yes, I can hear the “pffts”, and “put your adult pants on” from all those who had mortgages throughout the 1980’s. With the 30-year fixed mortgage rate reaching a pinnacle of 18.4 percent in October 1981 and seesawing down to the 9 percent range by 1986 and closing the decade at 9.78 percent, you might have reason to think we still have it relatively easy.

But as my own children remind me when I start telling my war stories, ‘about when I was young’, that my life is not their life and that I need to have some consideration as to what they might be going through right now rather than being dismissive about it. So, hopefully all of you Baby Boomers, who have already paid off your mortgages, might be able to emphasize with those of us who still have one.

What is happening with interest rates?

On the 5th of July the Reserve Bank of Australia (RBA) announced at its monetary policy meeting an increase in the cash rate by 50 bps.

It marked the second 50-bp hike in a row and followed the 25-bp hike in May, taking the official cash rate to 1.35 per cent, up from 0.85 per cent.

The RBA board’s decision comes as inflation is expected to hit 7 per cent at a time when unemployment rates are low, household budgets are under pressure and global uncertainty remains.

In 1984...

In 2022...

•

The average home cost was $64,039.

•

The average home costs $920,100.

•

The average annual income was $19,188.

•

The average annual income is $90,896.

•

The average mortgage was $42,277.

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The average mortgage is $618,722.

Deposits then and now 1984

2022

• If the average home cost $64,039...

• If the average home cost $920,100...

• A 20% deposit equals $121,807.

• A 20% deposit equals $184,020.

Governor Philip Lowe anticipates that Australia’s inflation will peak this year before declining back down towards 2-3 per cent, driven by an increasing interest rate environment.

Let's take a trip back to the housing market of 1984 to see just how different buying a house was in the 80s versus today.

Higher interest rates will also help establish a more sustainable balance between the demand for and the supply of goods and services,” he said.

Australian home buyers today must save bigger deposits, borrow much more and face much larger repayments. This means more of their weekly income goes into housing costs today than in 1984.

Ironically, we are experiencing the same run-away inflation that occurred in the 1980’s due to high government spending, increased property prices and people still spending their money. As a result of increased inflation, interest rates continue to rise, and there is going to be a world of pain felt by a lot more people now compared to the pain that was felt in the 1980’s.

Australians now are experiencing it harder The truth is that the average Australian is now purchasing homes that are worth way more than what they were worth in the 1980’s. In fact, the average Australian now is spending on average 10 times their annual earnings on their first home compared to the Boomers who paid 3.3 of their average annual earnings.

The average Australia in 1984 could buy a home that cost 3.3 times their annual income. In 2022, it's 10 times what the average person earns in a year.

Australian buyers in 2022 now have to save much bigger deposits.

Saving a deposit is one of the big challenges for home buyers in 2022. As prices have risen so much, the amount you have to save for a 20% deposit just keeps jumping up.

This is a stark contrast. In 1984, a 20% deposit was 66% of a year's income.

Today, it's 202%.

It would take you just over 2 whole years' of income to save the same deposit.

(Source: finder.com.au) Further hikes anticipated Further rate hikes are anticipated, and it is likely we will see rates increase by at least another 50-bp before the end of the calendar year. Even Brokers are expecting more rates rises to come.

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Commonwealth Games 2026

By Warren Strybosch

In April, the Commonwealth Games Federation announced Victoria as the host of the 2026 Commonwealth Games. It has since been decided that the opening ceremony will be held on March 17 2026 at the MCG, with the next 12 days being full of competition, culminating on the 29th.

The Commonwealth Games were last held in Melbourne in 2006 but have also been held on the Gold Coast (2018), Brisbane (1982), Perth (1962), and Sydney (1938).

In a Commonwealth Games first however, the games will not be held in just one location, but instead will be showcased in four regional locations around Victoria – Geelong, Bendigo, Ballarat and Gippsland. This is a boon for these regions as they will receive a boost to their local economies with additional spending from the government in the lead up to the games. Community infrastructure will be improved and thousands of jobs will be created in the lead up to the games as well as during.

Hamilton, Canada, hosted the first Commonwealth Games in 1930 with just

11 Countries, 59 events (6 sports) and 400 athletes. For Melbourne in 2026 we can expect in excess of 70 countries, 280 events and 4500 athletes.

Expressions of interest are currently open for the inclusion of additional sports.

International sporting federations in conjunction with Australian sporting organisations have the opportunity to request that certain sports be included in the line-up. Depending on the outcome of this, other Victorian regional areas may have the opportunity to host some of these additional events. The cut-off date for these submissions is August 19, 2022.

Supply issues continue for vehicle market Tim Dornin (Australian Associated Press)

Australia’s vehicle industry faces supply issues into the future with constraints on global manufacturing to blame for a near 10 per cent fall in sales last month.

The Federal Chamber of Automotive Industries says 99,974 cars and trucks were sold in June, down 9.7 per cent compared to the same month in 2021.

That left demand for the first half of 2022 at 537,858, a fall of 5.2 per cent.

FCAI chief executive Tony Weber said the fallout from the COVID-19 pandemic continued to hamper automotive manufacturing.

Combined with the war in Ukraine and shipping issues, the supply of new vehicles hitting Australia’s shores could not keep up with local demand.

“Globally, car makers are continuing to suffer from plant shutdowns,” Mr Weber said.

“In Europe, we have component supply heavily impacted by the conflict in Ukraine.

“Microprocessors continue to be in short supply and global shipping remains unpredictable.”

“While demand for new cars remains strong in Australia, it is unlikely we will see supply chain issues resolved in the near future.”

Toyota led the market last month selling 22,561 vehicles ahead of Kia on 8480, Hyundai on 8259, Mazda with 6245 and Mitsubishi with 5846.

The Toyota Hi-Lux was the most popular model with 7582 units sold ahead of Hyundai’s Tucson on 2840 and Ford’s Ranger with 2802.

With escalating petrol prices, sales of electric cars continued to rise.

The FCAI said 1137 were sold last month compared to 526 in the same month last year.

Year-to-date, sales were up by more than 300 per cent to 9680.

Tesla remained the dominant player in the electric car market with its Model 3 accounting for almost half of the vehicles sold so far this year.

JULY 2022 | FIND CASEY

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List Your Aged Care Facilities with Find Aged Care Services Website Today.

Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Services (www.findagedcare.services) so you can promote your facilities and services to the general public. You can also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findagedcare.services.

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multiaward winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across 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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ATO: Common myths about work expense deductions ACCOUNTANT

By Warren Strybosch

The ATO is trying to make it easier for those preparing their own tax returns to understand some of the common mistakes that are made when claiming deductions in their returns. The ATO has listed some common myths about deductions which may lead you to make an incorrect claim. Here are some of the most common ones: Clothing and Laundry Expenses Myth: Everyone can automatically claim $150 for clothing and laundry expenses , 5000 km under the cents per kilometre method for car expenses, or $300 for work-related expenses, even if they didn't spend the money.

Fact: There is no such thing as an 'automatic' or 'standard deduction'.

Substantiation exceptions provide relief from the need to keep receipts in certain circumstances. While you don't need receipts for claims under $300 for work-related expenses, $150 for laundry expenses ( note: this is for laundry expenses only and doesn't include clothing expenses) or if you are claiming 5,000 km or less for car expenses under the cents per kilometre method: • • •

• • • •

you must have spent the money it must be related to earning your income, and you must be able to explain how you calculated your claim.

See more: Laundry expenses Car expenses Substantiation requirements Exceptions and relief substantiation requirements

supplier was and when you paid. Bank or credit card statements alone don't have this information. The only time you don't need these details is if substantiation exceptions apply.

•

Sun Protection and/or makeup Myth: I can claim makeup that contains sunscreen if I work outside.

Fact: Cosmetics are usually a private expense and the addition of sun protection doesn't make it deductible.

However, it may be deductible if the primary purpose of the product is sunscreen (that is, it has a high SPF rating), the cosmetic component is incidental, and you need to work outdoors in the sun.

See more: • Sunscreen Gym Membership Myth: I can claim my gym membership because I need to be fit for work.

Fact: Very few people can claim gym membership fees. To be eligible, your job would have to depend on you maintaining a very high level of fitness, for which you are regularly tested, for example special operations personnel in the Australian Defence Force.

•

See more: Gym fees expenses

and

fitness-related

clothing you are required to wear to earn your income, you won't be able to claim it. Plain clothes, like black pants, aren't deductible even if your employer told you to wear them.

•

See more: Clothing expenses

Streaming Subscriptions Myth: I can claim my pay television subscription because I need to keep up to date for work.

Fact: A subscription to pay television is not ordinarily deductible. Keeping up to date on news, current affairs and other general matters usually won't have a sufficiently close connection with your employment activities to provide a basis for deducting these subscriptions. They are essentially private expenses.

•

See more: Pay television and streaming services

Travelling to work Myth: I can claim home to work travel because I need to get to work to earn my income.

Fact: For most of us, home to work travel is a private expense.

•

See more: Transport expenses

Phone and Internet Usage Myth: I've got a capped phone and internet plan, so I can claim both business and private phone calls and internet usage.

Travel Expenses: a holiday before or after a conference Myth: I can claim all my travel expenses if I add a conference or a few days' work to my holiday.

Fact: Unless you only use your phone and internet for work, you have to apportion the cost between work-related and private usage and only claim the workrelated portion of your expenses.

Fact: If you decide to add a conference or some work to your holiday, or a holiday to your work trip, you must apportion the travel expenses between the private and work-related components and only claim the work-related component.

See more: • Phones and other telecommunication devices • Internet expenses

• from

See more: Substantiation requirements

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•

See more: Conferences, seminars and training courses Overnight travel expenses

Proof of payment Myth: I don't need a receipt; I can just use my bank or credit card statement.

Clothing Expenses Myth: I can claim my work clothes because my boss told me to wear a certain colour.

Fact: To claim a tax deduction, you need to be able to show that you spent the money, what you spent it on, who the

Fact: Unless your clothing is a uniform that is unique and distinct to your employer, or protective or occupation-specific

(Source: ato.gov.au)

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

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the company’s reputation, liquidity, and overall financial muscle in catastrophic events. This is essential in assessing the reliability and adequacy of catastrophic risk reinsurance and retrocession to reduce the impact of conceivable company’s disasters thus ensuring the survival of the enterprises.

Risk Management - From the Underwriters’ Perspective GENERAL INSURANCE

By Craig Anderson

Have you ever wondered what an insurer looks for when assessing the suitability of a potential new insured? The following article is penned by a highly experienced and respected underwriter by the name of Jeremy O’Connor, who describes succinctly what underwriters want and why they want it.

“Risk management in insurance is the practice of identifying potential risks in advance, analysing these risks and taking precautions to mitigate the chances of potential claims. This usually involves the planning and implementation of procedures and processes that will reduce the likelihood of future claims.

Risk management procedures help businesses insureds to identify potential risks in the day to day running of their businesses and provide an action plan to prevent future claims. The below provides a guideline for what insurers look for when assessing the suitability of potential insurance risk in terms of risk management.

2.

3.

4.

5.

What is the main purpose of risk management?

The main purpose of risk management is to identify potential risks before they occur in order to plan risk handling activities in advance which in turn mitigate adverse impact to achieving project objectives.

Insureds must consider various risk factors in the project life cycle. Having risk management procedures and processes in place helps prevent potential financial, personal injury and environmental losses from occurring. Effective risk management procedures provide a plan for smooth workflow thus maximizing on productivity and revenue generation.

What are risk management processes and procedures?

1.

Risk Identification – Process of uncovering, recognising and describing risk factors that may potentially lead to claims. Various techniques, such as toolbox meetings and SWMS, are employed to help identify potential risks.

Risk Analysis – The identification of the effects of risks registered.

Risk Evaluation – Identifies and determines the risk magnitude, likelihood and consequences that risk may bring about in the day today business activities. This also helps businesses decide which risks warrant serious consideration or treatment.

Risk Treatment – Developing a risk response plan. At this stage, businesses can assess the highest risks and develop a risk response plan. This includes the creation of risk mitigation strategies, prevention plans and contingency planning.

Monitoring and Review – Using a risk register will help businesses monitor, track and review risks. Putting a framework around these risks will help de-risk any potential claims or incidents from occurring.

What are the 5 key areas that insurers look for when evaluating a business’s risk management procedures and suitability for insurance?

1.

Risk Management Culture – The degree to which risk and risk management are important considerations in decision making. It also helps in evaluating a business’s philosophy in regards to risk and risk appetite, governance and organizational structure of its risk management procedures.

2.

Risk Control – The evaluation of the entity’s quality risk management, risk monitoring standards and limits for retained risks.

3.

Extreme Event Management – process of envisioning the impact of likely disasters through scenario analysis and stress testing. This helps in identifying the potential impact to

4.

Risk & Capital Models – To monitor, control, and manage risk exposures, indicative, predictive, and sensitivity risk measures. Indicative measures are available in accounting, administrative or underwriting systems. Some examples include life insurance sum insured, probable maximum loss, premiums earned, asset values, staff turnover rates and auditing. Predictive measures can be estimated using complicated and simulation models that take into account the expected shortfall and value at risk.

5.

Strategic Risk Management – The risk involved due to the changing technological processes.

It is therefore important for an organization to develop an action plan that will look into risk that will potentially disrupt the operations of the company due to technological shifts

It is important that businesses develop and create risk management plans and procedures to help reduce the likelihood of future claims or incidents from occurring. Having a simple and effective risk management plan helps businesses create credibility in their respective marketplace which hence attracts a higher sophisticated customer base leading to greater profitability.”

Many thanks to Jeremy O’Connor for granting permission for me to reproduce this article.

For a health check of your business insurance, contact Small Business Insurance Brokers via email: sales@ smallbusinessinsurancebrokers.com.au Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

Craig Anderson GENERAL INSURANCE Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au 0418 300 096

JULY 2022 | FIND CASEY

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11

Breastfeeding for the second time

without compromising their latch.

LACTATION CONSULTANT

Three Top Tips to Remember When Feeding a Newborn Again:

By Dr. Joanna Strybosch

When a woman has breastfeed a previous baby, there may be an assumption that she will just know what to do when her next baby comes along.

1.

Although prior breastfeeding experience is helpful, in my experience as a lactation consultant, I find that oftentimes mums need a refresher on how to position and latch a newborn. Afterall, the last baby she breastfed would have likely been an older baby, or even a toddler. Feeding a newborn is very different to feeding a toddler. The way she approached feeding her last baby will not be the way she begins with her next baby. It is important for mothers to realise this to avoid the mistake of assuming her newborn has skills that he has in fact not yet acquired.

Breastfeeding a newborn is different to feeding an older baby and requires attention to specific aspects for best success. Newborn babies have to learn the skill of breastfeeding and they need certain things to be optimal to help them in that learning journey. Older babies have more mature sucking skills and have far greater head control and therefore they can be much more adaptable and flexible with their positioning

Ensure babies lower arm is around mum. When feeding a newborn in the cradle hold position, one of the commonest mistakes I see is forgetting to get the lower arm out from under baby and put it around mum. Babies have a reflex called the Asymmetric Tonic Neck Reflex (ATNR) that makes them extend and straighten their arm on the same side as they turn their head. Having baby’s arm extended as they are brought to the breast will help baby turn towards mum and not away.

This reflex can be used to great affect in helping a newborn baby learn to locate the breast. In addition, this position will encourage maximum closeness between mother and baby’s bodies, which is ideal for optimal positioning and a deep latch.

2.

Babies are more stable when they are lying on their front, not on their back. Mum should recline as much as possible and have her baby lying on her tummy, on top of her. This will allow baby to have maximum contact with her mother’s body and

assist her stability at the breast. This prone position will also help avoid triggering the Moro (or startle) reflex.

3.

Have baby’s head and spine in alignment during latching and feeding. When the head and body are in a straight line, not turned, swallowing is easier. You only have to try swallowing a mouthful of liquid whist looking over your shoulder to know how uncomfortable this is.

Older babies can easily sit on their mums lap and twist their body or turn their head to locate and latch onto the breast. But a newborn needs their head and body aligned to allow the most optimal latch and swallow.

For more advice about feeding your newborn and for personalised information see your local lactation consultant. IBCLC’s are the leading experts on lactation advice.

Dr. Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)/B.Osteo.

Sc/Grad Dip Paeds LACTATION CONSULTANT www.childrensosteopathiccentre.com JULY 2022 | FIND CASEY

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FIND CASEY | JULY 2022

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5

Budget-Friendly Home Renovation Ideas You Can Implement Today (Feedsy Exclusive)

Home renovations are exciting ventures.

If you’re working on a budget, you can use these affordable and easy ideas to change up the look of your home.

Inspired to initiate home updates after watching some of the best home renovation shows on television and streaming sites?

We can’t really fault you for getting all worked up, as there’s nothing quite as exciting as embarking on a home renovation project to refresh the look of your space. However, some home renovations can get notoriously expensive and time-consuming, depending on the extent of the work required.

But if you’re looking to take the DIY home renovation approach, then it’ll be more manageable, affordable and easier to undertake.

Ready for some action? Here are five budget-friendly home renovation ideas you can start doing today.

1. Get new kitchen countertops Embarking on an all-out kitchen renovation including cabinets, worktops, and fixtures can easily burn a hole in your

pocket. But if your cabinets are in good condition, you can focus on changing your countertops – one of your home’s most-used surfaces. To save more money, check with your local stone and tile supplier about seconds or remnants you can use to create unique, functional and beautiful countertops.

2. Paint your walls white Painting your walls white or some other colour is easily one of the easiest and most effective ways to change the look and feel of a room or section in your home. As much as possible, opt for lighter hues to save on lighting and achieve a cooler, more relaxing vibe.

3. Install new lighting fixtures You can use lighting to enhance the functionality of certain areas in your house, such as the kitchen and bathrooms. You can also use mood lighting to create a stylish yet relaxing, soothing atmosphere at home.

4. Update your flooring You can use peel-and-stick flooring options that are thin enough without needing to remove the old one if you don’t have time. In case you have the

capacity to remove your old floor, installing a new floor can be a worthwhile venture, too – one you can do at a reasonable price, especially if you go for labour-saving DIY solutions. These include cork flooring, modular carpet (carpet squares) and sheet vinyl.

5. Replace old faucets, fixtures and fittings Dated faucets, fixtures and fittings – especially defective ones – should be replaced with new ones. Small as these things may be, they can brighten up or impact the mood of a room or space and are a lot less expensive than replacing an entire toilet, tub, and sink. Besides, leaky taps waste water and money. If you still have a budget to spare, you can also look at replacing door and cabinet hardware.

Of course, there are many more easy-toimplement home renovation ideas you can use.

Start with these initially, and just keep adding more as you go along until you achieve the perfect look for your home.

If this article has inspired you to think about your own unique situation and, more importantly, what you and your family are going through right now, please contact your advice professional.

JULY 2022 | FIND CASEY

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13

Personal Insurance – How much cover should I have?

FINANCIAL PLANNING

Income Protection Required Insurable Income

By Warren Strybosch

Last month I shared with you two stories about people who had personal insurance. The first person had it, cancelled it, and then was diagnosed with terminal cancer. The second person, had it, wanted to cancel it but thankfully spoke to me before they cancelled it and we managed to get the client over $400,000 in claim payments. The need for personal insurance is a real one.

This month, I want to provide a guide as to how much personal insurance you should consider taking out. This is only a guide, and you should seek professional advice from a licensed financial planner before making any decisions regarding personal insurances. We suggest you book in a time with an advisor like myself (https://calendly.com/findgroup/15minute-phone-conversation) to discuss your insurance needs.

We will help you work out what you need and provide you with a Free Insurance Report containing quotes for your consideration.

$0

70%

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to future education costs, you estimate how much you are spending each year on kids’ education and multiply that by the number of years left before each child finishes high school. For instance, if your education costs are $12,000 per year, you have three children and the total number of years left for all three children is 8 years, then multiply $12,000 x $8,000 = $96,000. This figure would go also under Life, TPD and Trauma.

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

When working out how much cover you will need you have to take into account the following: debt, future education costs, medical costs, modification costs, tax, and other costs, that might have a bearing on our future financial situation, should we suffer an illness or injury (refer Table 1: Working out Cover you need (Basic)).

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Table 1: Working out Cover you need (Basic)

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$0

$0

$0

Future Education Costs

$0

$0

$0

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Capital Requirements

Client Capital Requirements

Income Protection Required Insurable Income

$0

$0

$0

Client

Total Insurance Required

$0

$0

$0

Capital Requirements

Required Insurable Income

$0

70%

70%

Medical costs vary between advisors. Given it is hard to predict what the out-of-pocket medical costs will be if you suffer an injury or illness, advisors tend to pick an arbitrary figure. For myself, I have done some research in out-of-pocket medical costs, and I found that leukemia was one of the costliest illnesses a family would have to deal with. It is estimate that the out-of-pocket costs for leukemia is about $150,000. As such, I use $150,000 in my calculations.

Other Provisions

Income Protection

$0

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

$150,000

$150,000

$150,000

Waiting Period

30 days | 90 days | 180 days

Medical Costs

Benefit Period

2 years | 5 years | up to Age 65

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Let’s start by considering your debt. Assuming you had a mortgage of $500,000 and other debts totalling $35,000 e.g., credit card or car loan, you would then place the total amount of debt in the Liabilities row under Life, TPD and Trauma.

Client

Life

TPD

Trauma

$535,000

$535,000

$535,000

Waiting Period

30 days | 90 days | 180 days

Future Education Costs

$0

$0

$0

Benefit Period

2 years | 5 years | up to Age 65

Medical Costs

$0

$0

$0

Modifications to Home/Car

$0

$0

$0

Provision for Tax

$0

$0

$0

Capital Requirements Liabilities to Clear (Mortgage)

Income Protection Required Insurable Income

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

$0

70%

When it comes to modifications to home or car, this is where I do use an arbitrary figure of $100,000. If someone suffers a major Total and Permanent Disability (TPD) and needs wheelchair access, the cost could easily be $100,000 to upgrade the car and modify access to the home, bathroom, toilet, etc.

JULY 2022 | FIND CASEY

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I am going to jump to Income Protection Cover as this will have a bearing on Other Provisions and Provisions for Tax. Laws have changed and most insurers will now only allow you to cover 70% of your earnings. So, if you are earning wages of $120,000 per tax, they will only allow you to insure yourself for $84,000 ($120,000 x 70%) or $7,000 per month.

Client

Life

TPD

Trauma

$535,000

$535,000

$535,000

Capital Requirements Liabilities to Clear (Mortgage) Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$0

$0

Other Provisions

$0

$0

$0

Total Insurance Required

$0

$0

$0

Income Protection Required Insurable Income

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

For Other Provisions, we include Funeral costs of $25,000 under Life. Under TPD, assuming you are getting Income Protection Cover, we calculate how much income you would not have received from income protection e.g., 30%, and multiply that by the number of years left until you are able to apply for the age pension at age 67. If your wages were $120,000, then 30% would be $36,000. If your age was 52, you would have 15 years until you were able to apply for the age pension.

Therefore, we multiply 15 x $36,000 = $540,000. For Trauma, we ask the question as to whether you need any additional funds before your Income Protection starts to be paid. Given most people are on a 90 day wait then they may need 3 months’ worth of wages (assuming no savings) = 3 x $10,000 = $30,000.

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$0

$0

Other Provisions

$25,000

$540,000

$30,000

$0

$0

$0

Capital Requirements

Total Insurance Required

Client

Life

TPD

Trauma

Liabilities to Clear (Mortgage)

$535,000

$535,000

$535,000

Future Education Costs

$96,000

$96,000

$96,000

Medical Costs

Capital Requirements

$150,000

$150,000

$150,000

Modifications to Home/Car

$0

$100,000

$0

Provision for Tax

$0

$355,250

$0

Other Provisions

Total Insurance Required

$120,000

70% = $7,00 per month

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

When it comes to provision for tax, many clients are unaware that if you suffer a TPD event and the TPD is held in super, you will have to pay about $25% in tax on the amount you have insured. For instance, if you have $100,000 of TPD cover in super and are entitled to be paid out, you are likely to lose $25,000 in tax and only be paid around $75,000. So, it is important to consider the tax side of things when it comes to TPD. With our example, assuming the total amount of TPD is to be held in Super then the taxable amount would be around $355,250 in tax.

$540,000

$30,000

$1,776,250

$811,000

Income Protection Required Insurable Income

$120,000

Waiting Period

30 days | 90 days | 180 days

Benefit Period

2 years | 5 years | up to Age 65

70% = $7,00 per month

We now have a rough idea as to how much cover we should have in place for Life ($806,000), TPD ($1,1776,250), Trauma ($811,000) and Income Protection ($7,000 per month).

Life, TPD and Trauma are lump sum payments. This means that if you have an illness or injury and meet the insurers definition for a payout, then you or your loved ones will receive these amounts as a lump sum.

Income protection is not a lump sum payment but a regular monthly payment to replace lost income from injury or illness.

After the waiting period has passed, you will start to receive payments until you return to work or for the length of your benefit period, whichever occurs first.

Needless-to-say, those of you who have a mortgage or debt, the amount of insurance you should hold will be higher than those without debt. Once you have an idea as to how much cover you need, the next step is to work out how much cover you can afford. I call this the difference between what is ‘ideal’ (what the advisor works out) to what is ‘real’ based on your cash flow and affordability. I jokingly state that the two shall never meet because it is not often that clients are able to afford the ‘ideal’ e.g., all the cove, that has been calculated.

Once you decide on how much cover you require, then you need to request quotes to determine if the amount you requested is in fact affordable. You need to be aware, when requesting quotes of the following: a. b.

Income Protection Required Insurable Income

$25,000

$806,000

c.

d.

e.

Level vs Stepped – if you are young, you should consider Level premiums.

First year premium compared to cumulative premiums – it is now law to be told what your cumulative premiums will cost under Stepped and Level cover and not just told the first years Stepped premiums.

Industry default cover vs Retail cover – it is often cheaper to obtain Life and TPD via a retail insurer than via your industry fund. These days you can have industry fund super but hold your insurance in super somewhere else.

You don’t have to have your insurance with your super fund anymore.

TPD ‘Any’ vs TPD ‘Own’ definitions – super funds do not offer TPD ‘Own’ cover. You should consider having TPD ‘Own’ definition, especially if you are a professional or work in an office type roll. Everyone should try and obtain TPD ‘Own’ if they can.

IP and TPD in super or Super-linked – if you have a mortgage you might like to consider taking out Superlinked IP or TPD.

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We will discuss in further details the above, but it is worth noting that personal insurance is not just about the amount of cover you should get. There are a lot of other factors to consider. Therefore, it is important to speak to a qualified financial advisor about your personal insurance needs and not to simply read a book that tells you to take out cover with industry fund. Industry fund cover is ‘good’, but it is not ‘better’ or ‘best’ practice. That type of simply advice might have applied 10 years ago but it does not apply now. If you simply take out cover with an industry fund you are likely to pay more in cover and be provided with sub-standard terms.

15

insurances sorted out once and for all. Rather than putting it off, spend 30 mins having a conversation to work out what you need, and finally put this to bed knowing you and your family will have the right amount of protection in place for your current needs.

This information is current as at June 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be

Just to re-iterate, the above figures are a quick way to work out the amount of cover you might need to consider having but we strongly recommend you seek advice from a professional licenced financial advisor and do this process correctly and get appropriate quotes once you know how much cover you wish to have in place.

Book a time with myself (https://calendly.com/findgroup/15minute-phone-conversation) and get your personal

responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

Strong outlook for Australian agriculture Mr Smith said beef, sheep meat, wool and dairy production were all forecast to deliver strong results in the second half of 2022.

He told AAP that while global trade conditions have been challenging for some exporters, Australia has also been able to diversify the number of countries it sells to over the past year.

By Liv Casben (Australian Associated Press)

Wet conditions across parts of the country haven’t dampened Australia’s agricultural outlook according to the latest report from Rural Bank.

strong production across most agricultural sectors. The report doesn’t account for this week’s wet weather across NSW.

Australian farmers continue to cash in on high commodity prices and strong production despite a volatile global environment, according to the bank’s half yearly outlook report.

Wet conditions are forecast to continue through to September across much of the country with the chance of a third La Nina weather event over the summer.

Southern parts of Western Australia and Tasmania will likely see average rainfall.

Rural bank’s Andrew Smith says strong seasonal conditions for most of the country has seen strong results for farmers with forecasts that will continue.

“It’s a good outlook and quite positive, and it’s great to see this three years in a row for our producers … where we’ve had good conditions across both the seasons and commodity prices,” Mr Smith told AAP. While heavy rainfall and flooding has provided a challenge for producers in Queensland and NSW, seasonal

The forecast is for above average Australian winter crop production for a third season in a row thanks to favourable weather conditions in most parts. Horticulture is also expected to see a return to strong production, after flooding in Queensland recently impacted supply.It’s expected the wet conditions will provide a boost to the nation’s cattle herd and sheep flock which are continuing to rebuild after the drought.

“For example lamb, we’ve been growing pretty strongly our lamb exports into the US for the last couple of years, but this last 12 months we’ve seen markets like the UAE, South Korea, Malaysia, Saudia Arabia increasing as well.”

Australian sheep meat, almond, wool, lentil, and wine producers are expected to see big benefits from improved access to the Indian market with the recently signed interim Australia-India economic cooperation and trade agreement.

The report concluded the relationship with Australia’s largest trading partner China has shown no tangible signs of improvement with a range of tariffs in place on Australian barley, wine, lobster and beef.

It says little to no supply of grain available from Ukraine has driven strong demand for Australian grain, particular throughout Asia. Mr Smith said seasonal conditions, trade conditions and supply chain disruptions would all continue to impact output in the second half of 2022.

JULY 2022 | FIND CASEY

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2022 TA

Small business skills and training boost

Small businesses will get an additional tax deduction on top of the allowable deduction for training their employees. Announced in the 2022 Federal Budget, a business with aggregated turnover of less than $50

Announcement(29-Mar-2022)

million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to

Consultation

external training courses delivered to a business’s employees by a registered training organisation in Australia.

Introduced Passed Royal Assent

The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.

Date of effect

Apprentice wage subsidy programs All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice.

This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn.

These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets.

Announced: 12-Mar-2020 Updated: 12-Apr-2022

Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies were to combat rising unemployment and an expected economic downturn due to COVID-19.

The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%.

The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for

Royal Assent(31-Mar-2022)

businesses who claim fuel tax credits.

Date of effect(30-Mar-2022)

50% minimum pension drawdowns extended for another 12 months Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year.

This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023.

This measure is intended to support retirees in managing the impact of the: •

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

Announced: 22-Mar-2020 Updated: 12-Apr-2022

AX UPDATES Non-commercial losses and the Commissioner’s safe harbour

Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income.

The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic.

Announcement(11-May-2022) Consultation period(21-Jun-2022) Released

The business will be required to show necessary evidence to support using the safe harbour.

Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

Non-commercial losses and the Commissioner’s safe harbour Sole traders and partners in a partnership may be able to utilise a safe harbour to deduct non-commercial losses against other assessable income. The draft PCG bypasses the Commissioner’s discretion under the non-commercial loss rules, where a business has been directly affected by floods, bushfires or the COVID-19 pandemic. The business will be required to show necessary evidence to support using the safe harbour.

On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted

Announcement(23-Feb-2022)

from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include

Consultation period(29-Apr-2022)

significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings.

Released

These dealings are excluded from the anti-avoidance provisions. Following on from the release of the draft guidance, the ATO has reiterated its stance in many areas relating to s 100A. In particular, where situations would generally come under an ordinary family or commercial dealing. Trustees need to make sure that their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year. Once finalised, the draft guideline will apply to the 2019–20, 2020–21 and 2021–22 income years.

Queensland land tax to include interstate landholdings Queensland has become the first jurisdiction in Australia to change land tax rules relating to taxable landholdings.

Under the proposed changes, a landholder will have their land tax calculated based on their total

Announcement(21-Jun-2022) Consultation

Australian landholdings. The calculation will then be pro-rated to reflect a taxpayer’s Queensland-only

Introduced(21-Jun-2022)

taxable landholdings.

Passed(24-Jun-2022) Royal Assent

Once passed, the new legislation will commence from 1 January 2023, meaning that the first calculation

Date of effect

under the new rules will take place on 30 June 2023.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%.

The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and ending at 11:59pm on 28 September 2022.

Announcement(29-Mar-2022) Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022) Royal Assent(31-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for

Date of effect(30-Mar-2022)

businesses who claim fuel tax credits.

JULY 2022 | FIND CASEY

17

JULY 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 Casey 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: info@findnetwork.com.au

JULY 2022

Casey Co

Draft Wilson Botanic Park Berwick Masterplan available for public exhibition The City of Casey is inviting the community to provide feedback on the draft Wilson Botanic Park Berwick Masterplan 2022 currently on public exhibition.

Launched to coincide with Wilson Botanic Park’s 30th birthday and fresh off the back of being awarded ‘Park of the Year (VIC/ TAS)’ by Parks & Leisure Australia, the plan sets a strategic direction to ensure the future investment and improvements to the park are coordinated, sustainable and fit-for-purpose.

In developing the Master Plan, Council aims to create a botanic park of excellence, one that creates a healthy community by connecting plants, people and place through conservation, unique features and meaningful experiences. To achieve this, five objectives have been developed to guide the development and management of the park into the future: • • • • •

A place for horticulture A place to gather A place to learn A place to celebrate A place to explore

City of Casey Chair of Administrators Noelene Duff PSM, encourages residents to take this opportunity to view the draft plan and share their thoughts.

“The masterplan articulates a vision for the park to secure it as a thriving botanic garden of the future, with its unique features and landscapes celebrated as a point of difference to others in the region,” Ms Duff said.

“The Park attracts over 600,000 visitors per year and warrants further development to generate economic growth opportunities by attracting tourists to the region, as well as further enriching the lives of our local community. The masterplan sets a strategic direction for Council to provide even more open space and recreation opportunities that support active ageing, encourage the participation of young people and are accessible and inclusive of all cultures within the community.”

“To assist the implementation of this Masterplan, Council will require external funding from a variety of sources including State and Federal Government, so it is important that we know the draft masterplan meets the needs and expectations of the local community before we undertake any advocacy.”

Annual delivery programs to expand the plant, garden and forest development, stewardship, education and events are intended to be implemented by Council on an ongoing basis.

The plan outlines several projects that the City of Casey intend to deliver, subject to funding. These projects include: •

Upgrade and expansion of main car park

•

Redevelopment and relocation of Visitor Centre

•

Play precinct development

•

Feature planting at main entrance

•

Perennial garden

•

Cool temperate rainforest planting

•

Accessible ramp Anniversary Lake, Amphitheatre

•

Irrigation system upgrade

•

Utilities upgrade (sewerage and electricity)

•

Wi-Fi installation

•

Lighting masterplan

•

Advocacy for signalised intersection at Princes Highway/Entrance Road

access to Café and

The draft Wilson Botanic Park Berwick Masterplan 2022 will be available to view until Friday 29 July, after which public feedback will be considered prior to Council adoption being sought.

ouncil News 2022/23 Equipment and Training Grants Program Applications for the 2022/23 Equipment and Training Grants are now open. The grants are aimed at Casey community groups and organisations who deliver community programs and events.

purchasing equipment required to provide services or for training to help support and develop volunteers and group members.

The grants are designed to help improve day-to-day operations by assisting groups to purchase equipment needed for services or, to further upskill and train members and volunteers.

In previous years, successful applicants have used the grant for training in first aid, leadership and coaching, and to purchase essential items needed for services or programs such as sporting equipment, audio-visual equipment and cooking equipment.

Grants of between $100 and $1,000 are available, and can be used for either

To assist community groups with their submissions, one-on-one support sessions are available with our Grants Development Officer. To book, please email communitygrants@casey.vic.gov. au or phone 9705 5200 For more information on how to apply for a grant, visit the Equipment and Training Grants page on Council’s website.

Applications close at 5.00 pm on Tuesday 16 August.

More News and Updates

Draft Hampton Park Hill DevelopmentPlan open for public consultation

Funding received for 1001 steps at Bayview Park

JULY 2022 | FIND CASEY

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Are you Not-For-Profit in Casey Area?

Advertise your events for FREE on the following pages.

Are you NFP with an up-and-coming event? If so, email your event editor@findcasey.com.au and we will place it in the paper for FREE.

Casey

SUPPORT YOUR LOCAL

NOT-FOR-PROFIT

Eat What’s On This Month 4 MAY --------30 SEP

Shop Events

Play Offers

News

Join us for FREE toddler activities every Tuesday, outside the playground near Woolworths.

Tuesday 19 July 2022: Hoppity Hip Hop A highly energetic and interative hip hop dance class for mum’s to move along with their little ones.

BOOK TICKETS >>>> Tuesday 26 July 2022: Proud Paintings A creative session allowing our little Picasso’s to create a masterpiece to take home.

BOOK TICKETS >>>> Tuesday 2 August 2022: Fitness Fun An energetic obstacle course to energise and teach the fundamentals of movement.

BOOK TICKETS >>>> Tuesday 9 August 2022: All about Me - Mobiles A creative mobile making playshop to encourage kiddies to dream big and reflect on how amazing they are.

BOOK TICKETS >>>> Tuesday 16 August 2022: Sunny Suncatchers A beautifully calm creative designed take home sun catcher for a special sunny spot.

BOOK TICKETS >>>>

Get excited... Miss Pickle 1971 is now open at Casey Central!

At Miss Pickle, they are passionately Mediterranean in origins and flavours and proudly Australian, sourcing only the best local and ethical produce whenever possible. Like the real Miss Pickle, who emigrated to Melbourne in 1971, nothing gives them more pleasure than sharing their real food.

The colours, aromas and textures of every bite will transport you onto the streets and into the kitchens of Athens, Beirut, Tel Aviv & Cyprus.

Are you ready for the best Mediterranean food in Melbourne?

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RETIREMENT Did you know?

40.0% is the new permissible interest rate (up from 4.01%) that can be charged to calculate the daily payments for outstanding acccommodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

Downsizer Contribution RETIREMENT

By Warren Strybosch

What is the downsizer contribution?

The amount you are contributing is from the proceeds of selling your home, where the contract of sale was exchanged on or after 1 July 2018.

The downsizer contribution is an amount of up to $300,000 that can be paid in to your super, from the proceeds of selling your home. If you have a spouse, the total contribution is up to $600,000 ($300,000 each).

Your home was owned by you or your spouse, for 10 years or more prior to the sale (the ownership period is generally calculated from the date of settlement of purchase, to the date of settlement of sale).

A downsizer contribution does not count towards your contribution caps,1 and can still be made if you have a total super balance of $1.7 million or more.

Your home is in Australia and is not a caravan, houseboat, or other mobile home.

Downsizer contributions are only available where the contract of sale was exchanged on or after 1 July 2018, and must be made within 90 days of receiving the proceeds of sale.

Who is eligible?

Eligibility is determined by the Australian Taxation Office (ATO).

The ATO outlines eligibility to make a downsizer contribution as follows: You (and if applicable, your spouse) will be eligible to make a downsizer contribution to super if you can answer yes to all of the following: You are 60 years old or older at the time you make a downsizer contribution (there is no maximum age limit)

The proceeds (capital gain or loss) from the sale of the home are either exempt, or partially exempt from capital gains tax (CGT) under the main residence exemption, or would be entitled to such an exemption, if the home was a CGT rather than a pre-CGT (acquired before 20 September 1985) asset.

You have provided your super fund with the Downsizer Contribution into Superannuation form either before, or at the time of making your downsizer contribution.

You make your downsizer contribution within 90 days of receiving the proceeds of sale, which is usually at the date of settlement.

You have not previously made a downsizer contribution to your super from the sale of another home.

JULY 2022 | FIND CASEY

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Please Note If you sold your house and your name (and not your spouse’s) was listed on the title of your property, your spouse can still make a downsizer contribution, or have one made on their behalf, provided you both meet the eligibility criteria.

If you have a spouse, the combined total contribution is up to

27

What if the ATO determines that I’m not eligible?

Eligibility to make a downsizer contribution is determined by the ATO. If the ATO subsequently determines that your contribution does not meet the downsizer contribution eligibility requirements, they will notify you, and QSuper.

Once we are notified, we will assess whether your contribution could have been made as a personal contribution, and which contribution cap it will count towards.

$600,000 ($300,000 each), and both you and your spouse will need to complete the form at the end of this factsheet.

If it is decided your contribution can not be accepted, we will return the contribution amount to you.

Downsizer contribution examples:

What else should I know?

A couple sells their home for

•

$400,00 The maximum contribution cannot exceed $400,000 in total. This means they can choose to contribute half each, or split it - for example, $300,000 into one account and $100,000 into the other.

•

•

A couple sells their home for

$600,00 Out of John and Fatima, only John is on the title. They both meet all the other requirements, therefore John and Fatima can make a downsizer contribution of up to $300,000 each.

• •

While the downsizer contribution must be made within 90 days of receiving the proceeds of sale, in some circumstances you may be able to request an extension from the ATO. Please contact the ATO for more information.

The downsizer contribution does not count towards your contribution caps. However, when you move your super savings into retirement phase, it will count towards your transfer balance cap,1 currently $1.7 million.

You can make more than one downsizer contribution from the proceeds of a single sale (up to your limit).

However, all contributions must be made within 90 days of receiving the proceeds of sale, unless you have been granted an extension.

Downsizer contributions are not tax deductible.

Downsizer contributions will be taken into account for determining eligibility for the Age Pension

Where can I find more information?

The ATO provides detailed information on downsizer contribution eligibility.

A couple sells their home for

$800,00 Each spouse can make a contribution of up to $300,000.

Visit ato.gov.au/downsizing or call the ATO on 13 10 20.

Financial Advice Deciding what is best for you will depend on your personal circumstances and you may want to seek personal financial advice to get the most from your superannuation.

1. Contribution caps - Limits that apply in relation to how much you can add to your super. 2 Provided for illustrative

1 Transfer balance cap - A limit on the total amount of supperannuation that can be transferred into

purposed only. Source: ato.gov.au

Explanation factsheet.

tax-free retirement products. You can find more information on the transfer balance cap in the Tax

This is general information only, so it does not take into account your personal objectives, financial situation, or needs. You should consider whether the product is right for you by reading the relevant

How to make a downsizer contribution Check your eligibility to make the contribution

product disclosure statement (PSD) and target market determination (TMD) Where necessary, consider seeking professional advice tailored to your individual circumstances.

This information is current as at April 2022. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before

Complete the Downizer Contribution into Superannuation form (obtain from ato.)

making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

Send this form to your superannuation fund Ensure that you send the form before or at the time that you make your downsizer contribution.

Warren Strybosch Contact them on 1300 88 38 30 info@findretirement.com.au | www.findretirement.com.au

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

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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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TRADIES - FREE ADVERTISING Email your artwork to editor@findnetwork.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to www.findcasey.com.au/graphic-design to upload your details and we will create this for you.

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We work with only the most reputable insurers to bring you a range of insurance options for you to choose from:

When it comes to General Insurance, Find Insurance provides a referral service to Find Business Insurance. Find Insurance provides general information only and we do not offer general insurance advice. We refer all general insurance enquiries to Craig, a licensed Authorised Representative (No. 001248230) of Focus Insurance Brokers AFSL 426797. Craig is able to provide general insurance advice to you. You should always seek professional advice before making financial decisions. This material is not intended to constitute personal advice and must not be relied on as such. This material is of a general nature only and has been prepared without taking into account your individual objectives, financial situation or needs. You should consider the appropriateness of this material having regard to your objectives, financial situation and needs and consider obtaining independent advice. We endeavour to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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Melbourne’s Best Kept Parenting Secret Einstein once said: “We cannot solve our problems with the same level of thingking we created them. Likewise we cannot solve our current issues for the generations today with the same thinking, rules and conditioning of the past!

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Australia’s Trusted Height Safety Insurance Brokers Height Safety Insurance Brokers Trust the insurance experts in covering your business against risks and losses. Let us create a specialised program for you to ensure any overlooked issues are covered. If you’d like us to handle insurance renewal get in touch with our friendly team. We also offer free assessments of your current program so you can make an informed decision for your business’ wellbeing.

www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

Small Business Insurance Broker is a registered business name for the Trustee for The Anderson Kerr Family Trust, (Height Safety Insurance Brokers Pty Ltd, a Corporate Authorised Representative (AFS Representative Number 0012482300) of Focus Insurance Brokers AFSL 426797.

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LOCAL TRADIES

TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals?

Consider joining the Find Manningham Network group.

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -• Garage Doors ---------------------• Builder ----------------------------------• Electrician ----------------------------• Painter ----------------------------------• Plasterer -------------------------------• Property Maintenance -------

00 00 00 00 00 00 00

editor@findcasey.com.au

TRADIES - FREE ADVERTISING Email your artwork to editor@findcasey.com.au If you wish us to create your ad, we will do this for a minimal cost.

Go to Go to www.findcasey.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@findcasey.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

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LOCAL TRADIES

BUSINESSES Do you provide Health and Beauty services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findcasey.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 29 • Swen Pouches ---------------------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

The Children’s Osteopathic Centre is located within the grounds of the Melbourne Therapy Centre, a not-for-profit organisation. The Centre incorporates integrative doctors, nurses, naturopaths, masseurs, acupuncturist, maternal health nurse and a psychologist.

Contact Us

Areas of Clinical Focus •Difficult Birth and Unsettled babies •Feeding and Tounge Tie •Baby and Child Muscoluskeleteal Check-Up •Head Preference to one side, Plagiocephaly and Torticollis •Tummy Time, Rolling and Crawling •Walking, Limping and Balancing •Sleep Challenges •Dental and Orofacial Myology •Breathing Retraining

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc

•Growing Pain •Migraines and Headaches

Grad Dip Paeds

•Poor Posture

Lactation Consultant (IBCLC)

•Sport Injuries

03 9876 3011

•Special Needs

info@childreansosteopathiccentre.com

•Retained Primitive Reflexes

www.childrensosteopathiccentre.com

•Pregnant and Prostnatal Women

JULY 2022 | FIND CASEY

31

SPORTS We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports.

For inquiries call 1300 88 38 30 or email editor@findcasey.com.au

SPORTS

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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@findcasey.com.au and we will do the rest for you.

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JULY 2022

FREE Advertising Religious Practitioner Stories & Services Services Times

Casey

1300 88 38 30 editor@findcasey.com.au

Public Notices

Religious Practitioner Stories & Services

FREE Advertising is available related to Sercives Times, Public Notices, and Fundraising Advertising.

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

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Birth, Deaths & Marriages JULY 2022

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

SEND US YOUR NEWS! Casey

1300 88 38 30 editor@findcasey.com.au

Birth, Deaths & Marriages JULY 2022

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@findcasey.com.au

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CASEY

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

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

FIND CARD LOCAL OFFERS

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

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

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Coffee

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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.

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