Every year in late February, the streets of Geelong West, Victoria, come alive with one of the country’s biggest cultural celebrations, Pako Festa. First held in 1983, Pako Festa started as a small community event created by the Ethnic Communities Council, local traders, and the city council to celebrate the many cultures in the Geelong region. The name “Pako” comes from Pakington Street, where the festival takes place. What began as a local party attracting about 12,000 people has grown into Victoria’s largest free multicultural street festival, drawing well over 100,000 visitors each year.
COLUMNIST CONTRIBUTORS COLUMNIST
Are
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.
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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 business 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
The
you before you part with your hardearned 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
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.
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OUR NEWSPAPER
The Find Geelong was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is a 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 respect 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.
Pako Festa
2026: Celebrate the World on One Street in Geelong
by Joe Lam
Every year in late February, the streets of Geelong West, Victoria, come alive with one of the country’s biggest cultural celebrations, Pako Festa. First held in 1983, Pako Festa started as a small community event created by the Ethnic Communities Council, local traders, and the city council to celebrate the many cultures in the Geelong region. The name “Pako” comes from Pakington Street, where the festival takes place. What began as a local party attracting about 12,000 people has grown into Victoria’s largest free multicultural street festival, drawing well over 100,000 visitors each year.
A Day Full of Culture and Celebration
This year, Pako Festa will take place on Saturday, 28 February 2026, running from 9:00 am to 5:00 pm along Pakington Street. The festival aims to celebrate cultural diversity, bring people together, and share traditions through music, dance, art, food, and community spirit. The entire street transforms into a giant party where everyone is welcome. The day begins with the spectacular Street Parade at 11:00 am. More than 2,000 performers from local cultural groups, schools, bands, and community clubs will march, dance, and play music in colourful costumes. Floats and performers represent cultures from all around the world, showcasing their pride in their heritage.
Throughout the day, you can visit multiple performance stages where traditional and modern music, dance, and artistic shows are presented. There is also the Global Craft Market at the West Town Hall, where handcrafted items and
workshops provide a creative way to explore different cultures.
For those seeking a place to relax, chillout zones are set up where people can sit, enjoy music, and watch the festival from a comfortable spot.
Who Takes Part in Pako Festa?
Pako Festa is a true community celebration. Each year, around 30 to 45 cultural communities, along with many local groups, take part. These include (but aren’t limited to):
• Croatian, Greek, Filipino, Vietnamese, Iranian, Serbian, and Sri Lankan groups
• Alliance Française (French community)
• Geelong Latin American Movement
• Wathaurong Aboriginal Co-op
• Chinese and Karenni community groups
• Hazara, Indonesian, Ukrainian, and Malayalee communities
Each group brings unique performances, costumes, and traditions, making Pako Festa a place to learn about various heritages in one vibrant setting.
Food - A World of Flavours
One of the best parts of Pako Festa is the food! The festival features over 90 food stalls and trucks where community groups sell traditional dishes from around the globe. You can try:
• Filipino BBQ sticks and halo-halo
• Croatian cevapi and sarma
• French croissants and pain au chocolat
• Vietnamese rice paper rolls
• Persian BBQ
• Sri Lankan pol roti and sweet pancakes
• Latin American obleas desserts
• Wathaurong bushtucker BBQ Plus, many nearby cafes and restaurants offer special festival items to enjoy.
Why You Should Go
Pako Festa isn’t just fun; it’s a chance to experience culture, food, and music from around the world in one spot. It brings together families, friends, and visitors of all ages in a celebration of unity and diversity. Whether you love music, art, food, or the festival atmosphere, there’s something for everyone to enjoy.
Don’t miss out; add Pako Festa 2026 to your calendar and taste the world right here in Geelong!
Geelong Column
“Summer in Geelong”
Summer in Geelong is shaping up to be an absolute cracker, and I can’t think of a better excuse to get out, soak up the sunshine and enjoy everything our city has to offer.
From poolside parties to tall ships and wine adventures, there’s something on the calendar for everyone.
First up, grab the kids for free, family-friendly Sundays at our Swim Sport & Leisure centres as part of our Summer of Fun.
From 12pm enjoy free entry, DJ Ali spinning great tunes and hands-on kids’ activities including giant bubbles, lawn games and temporary tattoos, plus a meet-and-greet with Webstar the Swim School mascot.
The fun splashes into Lara Swimming Pool, North Bellarine Aquatic Centre, Bellarine Aquatic & Sports Centre, Splashdown and Norlane ARC on various dates throughout February and March.
Follow Swim Sport & Leisure on Instagram @SwimSportGeelong or each centre on Facebook for event reminders and highlights.
If salty air and history are more your speed, step aboard the Tall Ship Enterprize for a sail around Corio Bay.
With dates running through to May, you can help hoist the sails or simply relax and carry your worries out to sea on this charming replica 1830s schooner.
And finally, mark your diary on 7 February for the Geelong Wine Walk.
This delicious day-long wander through seven iconic venues celebrates local wineries, distilleries and breweries, all while supporting the work of APCO Foundation.
Geelong, this is your summer. Dive in, sail away, sip slowly and enjoy it all.
Visit geelongaustralia.com.au/events to check out all the fantastic events happening across our city.
- by City of Greater Geelong Mayor Stretch Kontelj
FEELING BUSY BUT STILL STUCK? It Might Not Be Your Planning
LEADERSHIP
SPECIALIST
By Sally Higoe
You’ve done the planning. The list is written. The calendar looks full. And yet, somewhere between your second coffee and that thing you still haven’t replied to, you feel it - that low-level pressure that never quite switches off.
Not chaos. Not overwhelm. Just a constant sense of carrying too much in your head
When planning starts to feel heavy instead of helpful, the issue usually isn’t organisation or effort. It’s something quieter... unfinished decisions that keep taking up space, even when you’re being productive.
The small compromises we barely notice
Most people don’t get stuck because of one big, dramatic choice.
It starts with small compromises. Saying yes when you really meant “maybe”. Leaving a decision half-made because now isn’t the right time. Letting something slide because dealing with it feels like effort you don’t have today.
Each one feels reasonable in the moment. Life’s busy. You’ll come back to it.
Except you don’t. And those decisions don’t disappear.
What it actually looks like day to day
This is the part most people recognise straight away.
It’s Tuesday afternoon. You’re getting through what needs to be done, but there’s a quiet drag underneath it all. You keep circling back to the same thought - that email you haven’t sent, the conversation you keep rehearsing, the choice you know you need to make but haven’t quite faced.
Nothing’s technically “wrong”. But everything feels harder than it should.
That’s what unfinished decisions do. They sit in the background, quietly pulling on your attention.
When unfinished decisions pile up
These decisions don’t shout for attention. They linger.
They show up as conversations you replay, options you keep weighing up, tasks that never quite leave your mental to-do list. You don’t feel stuck - you feel flat, distracted, or oddly unmotivated, even when you’re doing all the “right” things.
Your energy isn’t low because you’re incapable. It’s low because your attention is split.
Why planning stops working
This is usually where people think, I just need a better system.
So they add another app, another planner, tighter routines, more structure. But it doesn’t really help.
Planning on top of unresolved decisions is like reorganising a cupboard without taking anything out first. You can shuffle things around, but it never feels clear.
And that’s when life starts to feel unnecessarily hard. More effort. Less clarity. More mental drain.
The shift that actually helps
Good planning doesn’t start with better tools.
It starts with fewer compromises.
When you reduce the number of halfmade decisions in your life - the “I’ll deal with that later” ones - everything changes. Your head feels quieter. Your plans feel more realistic. Taking action feels right, not heavy.
This isn’t about being decisive all the time. It’s about closing loops instead of letting them sit there quietly draining you.
The real payoff
The thing that’s exhausting you isn’t your workload.
It’s the decisions you’re carrying but haven’t finished.
Not the big, dramatic ones - just the small, ordinary choices you keep meaning to come back to, quietly taking up more space than they deserve.
Once those are dealt with (either made, parked properly, or let go) planning starts to work again. Not because life is easier, but because you’re no longer dragging unfinished business behind you.
If you’ve been feeling busy but oddly stuck, that’s the place to look first.
If this is something you want to dig into more - especially if you’re someone who’s capable, organised, and used to handling things - you might also enjoy
The Inside Edge
This newsletter explores why we get stuck carrying decisions longer than we should, and how to clear that internal drag so momentum comes back naturally.
You can take a look here: https://leadresilience.com.au/the-insideedge
Sally Higoe
Leadership Alignment & Performance Consultant
www.linkedin.com/in/leadership-development-coach/
Want More Money, More Time Or Less Stress?
By Anjana Jogi ACCOUNTANT
We believe our clients all deserve the three freedoms: Financial Freedom; Time Freedom; and Mind Freedom. In other words, more money and time to spend on important things outside of their business, along with less stress. Is your business stifling your freedom?
Being in business is tough. At times, you might be worried about whether you’ll have enough cash in the bank to pay your team and suppliers. Perhaps you’re working 80-hours a week just to stay on top of things. Or, maybe the stress of daily business life is impacting how you turn up at home.
What would Financial Freedom look like for you?
This is about having enough cash in the bank - both in your business’s bank account and in your personal bank account - to do the things that will enrich your life. That could be buying new assets for the business or your family, having an amazing team Christmas party, or taking your family on a much-needed holiday.
We can help you achieve the cash levels you need for your desired lifestyle.
How would having Time Freedom impact your life?
As a business owner, do you feel like you need to be the first to arrive, the last to leave and even take work home with you? You could be too busy working in the business to spend time working on your business strategy. It’s also highly likely that there’s little time left for friends and family, let alone yourself.
We can help you achieve balance so that you are not only less stressed in your home life, but more effective when you’re working in your business.
What is Mind Freedom?
Mind freedom is being able to sleep soundly at night. It’s not burning yourself out before taking that much needed holiday, and it’s not getting sick the moment your holiday starts.
Attaining financial and time freedom can be the first step to achieving mind freedom. More money in the bank and more time outside your business generally leads to better perspective and less stress.
We believe it’s not only our duty to help our clients meet their taxation obligations, it’s our duty to help them achieve Financial, Time and Mind Freedom. Contact us for more information on how we can help you grow your freedom.
“Your business should deliver you the cashflow you need and the discretionary time to enjoy it.
Drawings vs Owner Contributions vs Owner’s Equity
By Jodie Moore
How they differ, how to reconcile them, and best practice in Xero
When business owners move money in and out of their business, confusion often arises around Drawings, Owner Contributions, and Owner’s Equity In accounting software like Xero, understanding the difference between these concepts is essential for clean reconciliations, accurate reports, and stress-free BAS and year-end work.
This article explains:
• What each term actually means
• How to reconcile them correctly
• Best practice for keeping things tidy and audit-ready
1. What is Owner’s Equity?
Owner’s Equity is the overall value of the owner’s interest in the business
In simple terms:
Owner’s Equity = Assets – Liabilities
It is not a transaction account you usually post to day-to-day. Instead, it is a section of the Balance Sheet that includes things like:
• Capital introduced
• Retained profits or losses
• Drawings taken by the owner
Key point:
Owner’s Equity is the result, not the process.
2. What are Owner Contributions (Capital Introduced)?
Owner Contributions (also called Capital Introduced) are amounts the owner puts into the business for business use.
Examples:
• Owner transfers personal cash into the business bank account
• Owner pays a business expense from their personal account
• Initial funds used to start the business
These transactions increase Owner’s Equity.
How Owner Contributions should be recorded
Best practice:
• Allocate these transactions to an Equity account such as:
- “Owner Contributions”
- “Capital Introduced”
- “Shareholder Funds” (for companies)
Common mistake:
Coding owner contributions to “Other Income” - this inflates profit and causes tax issues.
3. What are Drawings?
Drawings are amounts the owner takes out of the business for personal use.
Examples:
• Owner transfers money from the business bank account to their personal account
• Owner pays a personal expense using the business debit card
These transactions reduce Owner’s Equity
How Drawings should be recorded
Best practice:
• Allocate to a dedicated Drawings account under Equity
• Keep drawings separate from business expenses
Important:
Drawings are not tax-deductible expenses.
4. How these accounts work together
Think of it like a running balance:
• Owner Contributions increase equity
• Business profit increases equity
• Drawings decrease equity
All three ultimately roll up into Owner’s Equity on the Balance Sheet.
You usually won’t reconcile directly to “Owner’s Equity” - instead, you reconcile to:
• Owner Contributions
• Drawings
• (Sometimes) Share Capital or Loan Accounts
5. Sole traders vs companies (important distinction)
Sole Traders
• Drawings are common and expected
• Owner does not receive wages
• Profit belongs to the owner regardless of drawings
Companies
• Owners are usually paid via: - Wages - Dividends - Loans (Director’s Loan Account)
In companies:
• Drawings should generally be avoided
• Use a Director’s Loan Account instead
6. Best practice for clean records
Reconcile regularly
Leaving drawings unreconciled leads to:
• Messy year-end adjustments
• Confusion about how much the owner has taken
Talk to your accountant early
Especially if:
• The business is growing
• There are frequent owner transactions
• You’re moving from sole trader to company
7. Why this matters
Incorrect treatment of drawings and contributions can lead to:
• Overstated profit
• Incorrect tax reporting
• Confusing equity balances
• Extra accounting fees at year-end
Getting it right keeps:
• Your Balance Sheet accurate
• Your accountant happy
• Your stress levels low
Final takeaway
• Owner Contributions = money in Equity
• Drawings = money out Equity
• Owner’s Equity = the net result on the Balance Sheet
Treat owner transactions as equity movements, not income or expenses, and your reconciliations will stay clean, compliant, and easy to understand.
Future-ready Not-for-Profits: 2026 Digital Marketing Trends
By Ethan Strybosch
In the everyday hustle of running a not-for-profit, it’s easy to look back and think, “We should’ve….” - should’ve had clearer messaging, should’ve reached more volunteers online, should’ve had stronger donor engagement. In Victoria and beyond, many foundations and charities have poured passion into their causes, only to struggle with limited budgets, fragmented communication channels, or outdated digital approaches. Those frustrations are very real - but 2026 brings a fresh wave of tools and trends that can help NFPs work smarter, not harder.
Let’s take a quick look at how digital marketing challenges of the pastsuch as low engagement, weak donor targeting, and unclear online impact - can be transformed this year through purpose - driven digital strategies. Then we’ll explore the top trends shaping the future of digital engagement for not-for-profits.
Turning Old Challenges into New Opportunities
Traditionally, many not-for-profits relied on print newsletters, events, or basic social posts to connect with supporters. These efforts often lacked data insights, and it was tough to track who was actually engaging or why donations fluctuated. But now:
• Data is no longer just for big businesses. With affordable analytics and simple dashboards, small teams can now understand supporter behaviour and tailor outreach.
• Storytelling can be more dynamic. Short videos and community-led content let real voices — beneficiaries, volunteers, supporters — share impact in compelling ways.
• Automation isn’t intimidating; it’s a way to do more with less, nurturing relationships without burning out your team.
Now let’s dive into the key digital trends that NFPs should consider in 2026.
1.
Short, emotional videos on TikTok, Instagram Reels, and YouTube Shorts are exploding in popularity and engagement. These 15–60 second clips can showcase impact stories, volunteer moments, or donation journeys in a way that text alone simply can’t.
Benefits for NFPs:
• Boosts awareness with minimal production costs
• Makes complex missions relatable and human
• Encourages sharing and organic reach
Financial Responsibility: Use free editing tools (like CapCut), and prioritise authenticity over polished production - this keeps costs low while maximising engagement.
AI-powered predictive analytics lets you look ahead at donor behaviour - who is likely to give again, who needs a tailored ask, and when people are most receptive.
Benefits for NFPs:
• Better targeting increases donation ROI
• Supports personalised campaigns that feel meaningful
• Helps you allocate time and funds where they count
Financial Responsibility: Though analytics tools can cost money, start with simpler CRM systems or donor platforms with built-in analytics to avoid overspending on complex systems upfront.
3. Privacy-First Data Strategy (Trust Builds Support)
By 2026,digital privacy will be non-negotiable - audiences want transparency about how their data is used and protected.
Benefits for NFPs:
• Strengthens supporter trust and loyalty
• Reduces risk of data misuse or compliance issues
• Encourages people to share information willingly when they feel valued
Financial Responsibility: Invest in privacy- aware tools and clear consent practices. It may have upfront costs, but it avoids expensive legal or reputational issues down the line.
4. AI-Enhanced Content & Automation (Efficiency With Heart)
AI tools can help NFPs generate content ideas, personalise emails, and automate social posting - freeing time for mission-focused work.
Benefits for NFPs:
• Reduces writing and scheduling workload
• Improves the relevance of messages for different supporter segments
• Helps maintain consistent communication without expanding staff
Financial Responsibility: Choose tools that fit your budget and strategy. Avoid over- automation — the personal touch still matters most to supporters.
5. Community-First Engagement (Belonging Over Broadcast)
Audiences today want connection, not broadcasts. Shifting toward community groups (Facebook Groups, newsletters, Instagram DMs) encourages two -way dialogue and deeper loyalty.
Benefits for NFPs:
• Encourages repeat engagement from volunteers and donors
• Builds peer-to -peer advocacy and storytelling
• Creates micro - communities of passionate supporters
Financial Responsibility: Community building is low- cost but high- attention - plan regular content and volunteer moderators to sustain energy.
A Call to Action: Your Digital Future Starts Today
Victoria’s not-for-profits are spearheading incredible change - and digital marketing doesn’t have to be a barrier. Think of these trends as tools in your advocate’s toolkit: not flashy gimmicks, but bridges to deeper connections, smarter fundraising, and greater impact. Start small, experiment boldly, and always lead with your mission.
Your story deserves to be seen. Your supporters deserve to be heard. And 2026 is the year your digital strategy brings it all together
Short-Form Video and Storytelling (Low Cost, High Impact)
How to Paint metal surfaces
By Steve Dahllof
If you have metal garden furniture, aluminium window and door frames or an outdoor shed, cooler temperatures are a good time to paint them.
Like all painting, preparation is the key to success. Here are a few handy tips for getting the best appearance and protection for the metal surfaces around the home or office.
1. Clean the metal surface
Using sandpaper or another gentle scraping tool, remove all dust, dirt, debris and grease. A mild detergent should be sufficient but for more persistent deposits, mineral spirits will do the trick. Wipe the surface with a damp cloth and leave to dry thoroughly. Don’t use water as it doesn’t clean metal effectively.
2. Get rid of peeling or loose paint
This applies to preparing all surfaces for painting – get rid of old paint that is loose or peeling. Otherwise, the new paint won’t stick. Use a hand wire brush, a scraper or sandpaper and gently sand back. Too much pressure and the metal surface may be gouged, leading to an uneven finish.
Some people like to use power tools for this part of the cleaning process but beware – this method may end up polishing the metal surface, leaving nothing for the new paint to adhere to. You will need to rub a scuffing pad along the metal surface; the pads will lightly scratch the surface, allowing the primer to stick.
3. Remove the rust
Rust is a sign that the metal is not totally sound. You may need to replace the roof or frames if there is structural damage. If there is rust in just a few places, apply a high-quality primer with rust-inhibiting properties by brushing or sanding. Painting over rust will damage the metal paint by causing it to rust as well.
4. Use the appropriate primer
Check that the primer you choose is compatible with the paint you’ve selected. Follow the instructions on the label as different primers have differing drying times.
Water-based primers are not appropriate for metal surfaces but there are many other options. Rust-inhibiter primers, iron oxide primers and galvanised primers are more suitable, depending on what you are painting.
Apply the primer immediately after the previous surface preparation. This will help prevent flash rusting or dust accumulating. If what you are painting is outdoors (for example, roofs, furniture or sheds), a second coat of primer will add an extra layer of protection against oxidisation.
5. Paint the surface
Metal paints come in oil-based and water-based brush-on or spray-can versions. Oil-based paint is trickier to work with but the results are last longer. Waterbased acrylic paints can be easier to apply but may be difficult to find in spray form for exterior use.
The easiest way to paint metal surfaces is with spray paint. (However, though it’s faster and easier, it doesn’t create as firm a finish.) If you decide to spray paint, hold the can 15 to 30 centimetres away from the metal surface – this prevents the paint from pooling. Using a long sweeping motion, spray whatever it is you want to paint. (Don’t be tempted to hold the can in one place.) If you notice excessive dripping, wipe everything clean and
6.
Work safely
Whenever you are painting metal surfaces, make sure you protect yourself. Wear a dust mask or respirator, protective goggles and gloves. Work in a well ventilated area – outdoors if possible. If you use power tools (for instance, when getting rid of rust), insert quality ear plugs to protect your hearing.
For more painting advice on painting in winter, contact Dahllof Painting Services at sjd67@bigpond.net.au. We will be happy to answer all your inquiries.
Steve Dahllof
Peace of Mind When Travelling
By Kathryn Messenger NATUROPATHY
If you’re like me, you probably take herbs and supplements regularly, if not daily. When it’s time to go on a holiday, it can be difficult to choose what to take. Do I take them all? Do I leave them all at home, or something in between?
When I travel, I want to be ready for common issues that might happen outside, like injuries, bites, and stings. I also want to prepare for specific illnesses, such as travel sickness and stomach bugs. Additionally, I want to be prepared for more typical problems like headaches, nausea, and colds or flu.
Usually, I just take my homeopathic first-aid kit; it is a kit of 20 remedies that have multiple actions, meaning they are helpful for more than one ailment. This kit has remedies to improve travel sickness, injuries, bites/stings, digestive issues, colds/flu and so much more. The instructions are very easy to follow, allowing you to select the best remedy based on your symptoms.
I also have a smaller travel homeopathic kit with just 7 remedies, which still covers a wide range of ailments. I formulated it
specifically thinking about what health issues may crop up when travelling or on holidays.
Homeopathy is a gentle system of medicine that originated in Germany, and gently stimulates your body to heal, but just because it’s gentle, it doesn’t mean it’s not powerful! On multiple occasions, I have seen injuries that were in the early stages of very severe bruising, turn to almost nothing after a few doses of homeopathic arnica.
I also have many patients who use homeopathy for mental and emotional issues, and tell me that it has changed their lives.
The selection of a remedy is based on the presenting symptoms, and the nuances between the symptoms will determine the best choice. You will know you have selected the correct remedy if the symptoms start to reduce. If there has been no change at all after a few hours, you can go back to the instructions and try a different remedy.
Homeopathy is decreasing in popularity in the Western world, not because it is ineffective, but because it is cheap to make and can’t be patented. This means that no one can make their fortune off of it, which leads to very little money
available for research and promotion. However, homeopathy is thriving in India, a country where the government doesn’t have the money to subsidise expensive medications, and is looking for a safe, cheap and effective option. Many medical doctors in India treat only with homeopathy and there are homeopathic hospitals set up to treat people with this modality.
If you’ve never tried homeopathy before, I would recommend starting with something like arnica, which is used for bruising, and once you’ve seen the results, there’s no turning back!
If you’re interested in purchasing a homeopathic first aid kit, you can do so here or send me an email.
By Jan Panase
Getting connected with your mates and community can have a massive impact on your wellbeing, hey? Whether it’s having a quick yarn with a neighbour, catching up with a friend, or joining a local group, social connections help us feel supported, valued, and not so lonely. This week, we’re having a look at some simple ways to strengthen those community ties.
Social connections are more than just socialising— they support mental and physical health, reduce stress, and can even improve longevity. Having people to rely on, talk to, or share experiences with makes everyday challenges easier to manage.
• Join a local community club, hobby group, or class.
• Attend local events or workshops to meet new people.
• Reach out to a neighbour or friend for a coffee or chat.
72-year-old local resident, Jane, started going to a weekly knitting group. It wasn’t long before she was learning new tricks and making some great mates for life. It really put a spring in her step every week and gave her a solid sense of belonging in her community. Building connections doesn’t have to be a big drama. Even the smallest gestures-like saying ‘G’day’ to a neighbour or rocking up to a group activity-can make a big difference to your wellbeing and sense of community.
Wellbeing Tip of the Week:
Reach out to someone new or attend one community activity this week. Notice how a simple connection can make you feel more supported and uplifted.
Stay Connected
Explore Find Wellbeing’s community support resources and discover activities near you to strengthen your connections.
FEBRUARY 2026
Celebrating Greater Geelong women
Registrations are open for our free 2026 International Women’s Day event on Wednesday 11 March that will celebrate and recognise 11 years of the Women in Community Life Awards.
Since the awards began in 2015, there have been 52 recipients and more than 200 local women nominated for their achievements in promoting and advancing gender equality in Greater Geelong.
This year’s event, ‘Women in Community Life Celebration - 11 Years of Impact’ will be held at the Geelong Arts Centre. The program will reflect on how these women have shaped our region for the better and explore the continued impact of their work.
The City is leading the planning and delivery of this milestone event with support from valued partners and sponsors including Member for Corangamite Libby Coker MP, Soroptimist International of Geelong, GMHBA, Women’s Health and Wellbeing Barwon South West and Zonta Club of Geelong.
The Women in Community Life Awards began as an initiative of the Women in Community Life Advisory Committee.
Over the past 11 years, committee members have been the driving force behind the awards, highlighting the achievements and contributions of women in our region.
The incoming 2026-28 Women in Community Life Advisory Committee will be appointed next month and will be invited to join the celebration.
Councillor Melissa Cadwell
“The event is part of the City’s work to progress gender equality and inclusion.
International Women’s Day is a time to celebrate the incredible contributions of women who have advanced gender equality in employment, disability advocacy, arts, volunteering and beyond.
Our ‘Women in Community Life Celebration - 11 Years of Impact’ event will be a significant occasion to reflect on the lasting influence in past award recipients and nominees have had in shaping a more inclusive region.”
Councillor Emma Sinclair
“The event promises to be an empowering and inspirational celebration.
We invite everyone to join us on Wednesday 11 March to celebrate our region’s remarkable leaders and be part of the conversation about equality and leadership.
While this is a free event, we strongly encourage community members to register online to secure their place.”
Community invited to celebrate summer on the lawns outside Wurriki Nyal during Thursdays in February
The City of Greater Geelong is activating the lawns of its Civic Precinct on Thursdays in summer to bring the community together.
Community members are encouraged to support local traders and bring their lunch to enjoy while relaxing on the lawns, with live music and free summer-themed sweet treats.Lunch on the Lawns - Summer Series will be held every Thursday in February from 12 noon to 2.00 pm, with everyone welcome.
The revitalisation of Central Geelong has been a key priority of mine, and one of the themes identified in last year’s forums has been the need for activation of what we already have.
Following the overwhelming success of the Geelong City Market, I want to do something on weekdays, which is why we are activating our lawns on Thursdays in February.
It’s going to be amazing to see workers from the surrounding buildings and the broader community come together and enjoy some live music and summer treats while supporting local businesses and musical talent.
“I’m looking forward to bringing the summer vibes to the Wurriki Nyal lawns and seeing the community coming together in Central Geelong.
This is a great thing for Central Geelong, and I hope everyone gets behind it.”
City responds to Geelong Australia Day Committee and the Lions Club of Corio Bay’s decision to cancel Free Children’s Fun Day
In response to the news that the Geelong Australia Day Committee and the Lions Club of Corio Bay have made the difficult decision to cancel the Free Children’s Fun Day on Australia Day, the City of Greater Geelong is working with the Royal Geelong Yacht Club to support an expanded Festival of Sails program at Steampacket Gardens.
The expanded program will include free family-friendly Australia Day activities.
Sports and Recreation portfolio chair Councillor Eddy Kontelj:
Despite this year’s event not proceeding, I will continue to encourage and support Council to actively liaise and engage with the Geelong Australia Day Committee regarding 2027.
I have long been a strong advocate for the celebration of Australia Day, and while the usual Rippleside event won’t be going ahead, I’m pleased the City can support Festival of Sails to enhance their already significant program for the community.
Australia Day on our glorious waterfront is always a great day, and this year will be even better, so save the date.
Councillor Melissa Cadwell
Australia Day is a very important day, and fundamentally, it’s about recognising that we are privileged to live in the greatest country in the world.
That is worth celebrating, so City officers have been working closely with Festival of Sails organisers to ensure the community can continue to enjoy family-fun activities on the day, in the region.
I want to thank the organising committee of the Rippleside Park event for their service to the community over many years, but also for making the call that the event was going to be too challenging to deliver this year.
While it’s disappointing this year’s event could not go ahead, we will continue to liaise with the Geelong Australia Day Committee for 2027.
We look forward to supporting Festival of Sails as they finalise details of the additional activities planned for Australia Day as part of their 2026 program.
Discussions will continue following Australia Day about whether the event will return in 2027 and in what form.
Mayor Stretch Kontelj OAM
Artist Matt Baird will be playing at the first event:
Joint research into potential new bollard material to be funded in 2025-26 Clean Economy grants
Council has voted to award $25,000 in funding to Godfrey Hirst and Deakin University to support a joint research project.
The project will determine if there is a viable alternative use for carpet manufacturing waste in large-scale 3D printing.
The concept involves taking carpet manufacturing waste, which typically goes to landfill, and recycling it by converting it into feeder stock for recycled 3D printing (also called additive manufacturing, LFAM – Large Format Additive Manufacturing).
If successful, it could divert hundreds of tonnes of waste and landfill into a viable and sustainable product with potential uses across many applications including the redevelopment of the iconic Baywalk and Barwon Heads Bollards.
Many of the 159 bollards were originally made from recycled wood re-purposed from historical pier timbers. After 30 years of additional prolonged exposure to coastal conditions, these historical wood timbers are close to the end of their expected life due to natural factors such as fungal infections, pests, and rot.
If the prototype currently in development is successful, it is possible that the decaying wooden bollards might be replaced with 3D printed bollards made of stronger, more durable, and lighter material.
Using recycled carpet waste for the next phase of the bollards builds on the original vision of repurposing materials and reflects another part of the City’s manufacturing history.
Exploring ways to keep synthetic materials out of landfills contributes to the City and community’s commitment to circular economy and waste reduction.
At the same time, the use of modern composite materials can prolong the lifespan of the bollards and reduce maintenance requirements.
The project is a partnership between the City of Greater Geelong, Deakin University, the Advanced Fibre Cluster, and Godfrey Hirst.
Greater Geelong Mayor Stretch Kontelj OAM:
“We’ve been working very hard behind the scenes to get the next phase of the bollards up and going, and exploring innovative technology while we do it.
This project ticks a lot of boxes for us - it reflects our city’s rich history in manufacturing, it highlights where we are today in advanced manufacturing, and it contributes to the circular economy, and potentially reduces waste and landfill while preserving the legacy of our bollards that the community loves.
I will be following this research very closely, and I’m optimistic that this will provide exciting opportunities for local industry and create a viable future for the bollards for generations to come.”
AFCG chief executive David Buchanan:
“The Advanced Fibre Cluster Geelong is proud to support this iconic bollard project—working alongside our members to develop a durable, renewable solution that’s built for Geelong and designed to last.”
Godfrey Hirst Manufacturing Manager Aaron Dawson:
“This research project represents a practical step forward in addressing one of the biggest challenges facing manufacturing today—how to keep valuable materials in use for longer.
Exploring the potential to transform carpet manufacturing waste into durable, large-scale 3D printed products aligns strongly with our commitment to waste reduction and circular economy principles.
We’re proud to collaborate locally in Geelong on a project that could deliver real environmental benefits while creating innovative, long-lasting infrastructure for the community.”
Hundreds proudly become Aussie citizens
Four hundred community members have become Australian citizens and publicly pledged their commitment to Australia in front of friends and family.
Two ceremonies were held at the Norlane ARC Auditorium on Australia Day yesterday, which some community members may refer to as 26 January in reflection of their values. The City takes care to acknowledge Wadawurrung Traditional Owners and all First Peoples in Geelong at this event.
The emotional ceremonies were presided over by Greater Geelong Mayor Stretch Kontelj OAM and Deputy Mayor Ron Nelson. Councillors Andrew Katos, Eddy Kontelj and Rowan Story AM, RFD, along with Member for Corangamite Libby Coker MP, also attended to support the conferees.
The new citizens hail from 40 different countries, including Afghanistan, China, India, Germany, Nepal, Pakistan, the UK and the USA.
This year, we plan on holding eight to nine citizenship ceremonies in total, on behalf of the Department of Home Affairs. In 2025, we held 20 citizenship ceremonies and conferred citizenship upon 1,175 community members.
Mayor Stretch Kontelj OAM:
“I love watching the conferees’ reactions as they take the pledge and are declared citizens, and as they receive their citizenship certificates
These ceremonies are so special and hold a lot of meaning for conferees.
Choosing to become an Australian citizen is a very important expression of commitment to being part of our region and Australia.”
Community encouraged to apply for arts development grants
Local artists and creatives interested in building their skills can now apply for an Artists & Creatives Professional Development Grant.
Applications are now open and close 5.00 pm on 16 February 2026, with notifications to be sent on 2 April.
Last year 10 local applicants were awarded grants for activities such as workshops, structured mentoring and an artist residency.
Individuals can apply for costs including travel, accommodation or registration fees for training, workshops, conferences or other development opportunities.
Deputy Mayor Ron Nelson:
“Nearly 18 per cent of our total population?in the region was born overseas and it is wonderful to see our rich and vibrant multicultural community continue to grow and contribute.
Congratulations to our 400 new citizens who have affirmed their commitment to Australia and its people, the values we share and our common future.”
As of 31 December 2025, more than 25,450 people from over 160 countries have been invited to attend one of more than 425 citizenship ceremonies hosted by local government councils and other organisations nationally as part of their Australia Day events program.
Of these, more than 18,800 people from over 150 countries have been invited to become citizens on Australia Day at one of more than 325 ceremonies.
Visit www.geelongaustralia.com.au/ citizenship to find out more about our citizenship ceremonies.
Mayor Stretch Kontelj OAM
“As a UNESCO City of Design, Greater Geelong is a region that values our creative industries.
The talent among our local creatives is impressive, so it’s exciting to be able to provide support for career growth and development.”
Arts and Culture, Hospitality and Live Entertainment portfolio chair Councillor Eddy Kontelj
“These grants support the creative talent that makes Greater Geelong such a vibrant place.
If you want to grow your creative career, now is the time to apply.”
Young leaders unveiled for this year’s Youth Council
Eleven people aged 13-17 were formally inducted into the 2026 Youth Council at a City Hall ceremony this week.
Councillors, family and friends watched on as the group elected Vignesh Ram, 15, to lead the Youth Council as Junior Mayor and Bailey Roberts, 14, as Deputy Junior Mayor.
Members have already taken part in a three-day orientation, led by the City and in partnership with Youth Leadership Academy Australia.
During this period, they created a new charter, developed key priority areas and decided on a project to focus on throughout the year. Their key priorities are:
• Protecting native land skies and waterways
• Youth Health & Wellbeing
• Economic Equality and Opportunity
• Inclusivity & Safety within the community
Greater Geelong Mayor Stretch Kontelj OAM:
Members should feel very proud of this achievement, as they faced stiff competition to get to this point.
They were selected from a pool of 26 candidates and nearly 2,100 votes from their peers across 17 local schools.
Council is excited to work alongside this important advisory committee and hear directly from young people about what matters to them.
Over the next 11 months, the group will meet monthly to consider matters affecting young people. At the conclusion of their term, they will present advice and recommendations to Council on ways to enhance the experience of growing up in Greater Geelong.
“I’m confident these individuals will make a difference in the community and use their new knowledge and skills in all aspects of their lives.
Junior Mayor Vignesh Ram:
I’m incredibly grateful for the opportunity to represent young people across Greater Geelong.
Our Youth Council is excited to learn, collaborate and advocate on issues that matter to us, and we’re looking forward to making a positive difference together.
Cr Rowan Story AM RFD, Cr Elise Wilkinson, Mayor Stretch Kontelj OAM, Deputy Mayor Ron Nelson, Cr Anthony Aitken and Cr Emma Sinclair with the Youth Council
Deputy Mayor Ron Nelson, Deputy Junior Mayor Bailey Roberts, Junior Mayor Vignesh Ram and Mayor Stretch Kontelj OAM
SUPPORT YOUR LOCAL NOT-FOR-PROFIT
Friend in Me
FEBRUARY 2026 EDITION
Championing Stories, Skills and Geelong’s Screen Industry
At the heart of Geelong’s growing screen industry is the Geelong Waterfront Film Foundation, a not-forprofit, volunteer led organisation championing a sustainable film and screen production sector in the region. Grant funding is a core part of what they do to support filmmakers to develop and produce work in the region.
Geelong Waterfront Film also contributes by actively supporting the ecosystem around screen production. This includes developing local skills, connecting creatives and industry professionals through regular Friends of Geelong Waterfront Film Meet Ups and an extensive database. Creating opportunities for work to be shown, stories celebrated and promoting the region as an unequalled filming destination.
The REEL Film Festival
During March – April, 2026 Geelong Waterfront Film is hosting the REEL Film Festival, a multi-event celebration of screen culture that brings industry professionals, creators and audiences together through education, inspiration and entertainment.
The Signature Event: 48 Hour Film Frenzy
At the heart of the festival is the much anticipated 48 Hour Film Frenzy Shoot Out, a high-energy, real-time filmmaking challenge. Taking place from 27-29th March, crews have just 48 hours to write, shoot, edit and submit a 4–7 minute short film.
Filmmakers are given three surprise elements - a location, a line of dialogue and a prop - revealed on the Friday night, ensuring creativity unfolds in real time. Open to all ages and abilities, films can be shot on a phone or professional camera, with awards including Best Film, Best Director, Best Acting and Best Script. All eligible films are screened at The Pivotonian and/or the Multi Arts Centre in Torquay.
Indian Cinema Comes to Geelong
Geelong Waterfront Film PRESENTS
The Foundation is delighted to partner with the National Indian Film Festival Australia (NIFFA), proudly bringing the festival to Geelong for the very first time. This exciting addition celebrates Indian cinema from regional and independent voices to mainstream icons through public screenings at Readings Cinema on 20th – 22nd March. There will also be a night of Indian comedy, and Bollywood Dancing. Insightful Q&A sessions will explore co-productions, investment, distribution and development, broadening cultural reach and global connections.
Learning from the Best
The REEL Film Festival features a varied program of workshops and panel discussions, designed to demystify the screen industry and offer practical, real world insights across film, television, digital content and emerging technologies.
Headlining the festival’s panel program on 3rd March, is a flagship discussion exploring how creative thinking, modern technology and purpose-driven storytelling can take local ideas to global screens.
OF THE MONTH
With Hugh Nairn as MC, this dynamic panel brings together three outstanding industry professionals:
Clayton Jacobson, an award-winning Producer, Director, Writer and Actor best known for Kenny and Brothers’ Nest. Clayton shares how innovative storytelling and clever production approaches can rewrite the rules of independent filmmaking. He also brings deep insight into virtual production, having founded Dreamscreen Australia, Australia’s first end-to-end virtual production facility, servicing major productions including The Clearing, Love Me, High Country and La Brea.
Ella Bourne, Australian filmmaker and environmental storyteller, takes audiences from Torquay to Los Angeles with her globally recognised work. Director of Awoke and Great Ocean Love, Ella blends cinematic storytelling with environmental advocacy and strong female perspectives.
Jarrah Gurrie, editor for global music icons including Madonna, Ricky Martin and Jennifer Lopez, brings a unique perspective from the world of high profile music videos and award-winning short films screened at Sundance. Jarrah’s discussion opens the door to understanding visual storytelling beyond traditional film, highlighting the crossover between music, digital content and cinematic narrative.
Together, the panel offers a compelling look at how today’s screen creators build sustainable, globally connected careers across multiple platforms.
The festival line up also features Julie Peters, whose extraordinary and unplanned 52-year career spans more than 30 roles across Australian television and radio. Other topics include Eco Filmmaking, Film Distribution, and how to shape award winning scripts. Screen Careers will run a workshop on “Breaking in, Standing Out: Navigating Careers in Screen.”
Creatives will also benefit from a workshop led by digital specialists Enterprise Monkey, exploring how the latest technology is reshaping content creation and creative workflows.
Actors are not forgotten, with thought-provoking panel discussions focused on performance, auditions, career development and navigating the evolving screen landscape.
Community, Celebration and Screenings
Beyond education, the REEL Film Festival continues to embrace fun and community connection. A lively Movie Trivia Night, hosted by the Questionable Company, invites film lovers to test their knowledge while raising funds for the Foundation in a high energy, laughter filled evening.
The community is also invited to attend local film screenings at The Pivotonian Cinema, showcasing films shot across the region followed by engaging Q&A sessions with the creative teams behind the work.
The Geelong Waterfront Film Foundation continues to play a vital role in strengthening the region’s creative community by championing a sustainable film and screen production sector in the region.
For the latest REEL Film Festival program details and updates, visit www.geelongwaterfrontfilm.com.au.
GEELONGwww.findgeelong.com.auNFP
Healthy Minds and Nature
How do we maintain a Healthy Mindset, particularly when things become stressful?
I recently heard a Mental Health expert suggest that the single most helpful practice for maintaining a Healthy Mindset was to be in the outdoors, spending time in nature –exercising, playing, relaxing or working.
January is possibly my favourite month because of summer, warmer weather, school holidays and cricket. My wife and I love the walks around so many picturesque parts of the Bellarine. We are so lucky down here – there are so many attractive and stimulating options. Some very healthy things happen to our minds and bodies when we exercise outdoors.
Here are some of the benefits:
• Endorphins and Dopamine are released into our brains that lift our moods
• Unwanted chemicals are expelled
• We receive a Vitamin D intake
• We burn off calories
• Our senses are stimulated, and an appreciation of nature is enhanced
• Our heart rate increases, and we breathe in fresh air that refreshes our brains
• We experience a mind shift – like a recalibration
• Improved sleep patterns result
One parent I spoke with was celebrating the Family Project in their backyard that her child was happily involved in. She explained that her child was stimulated and entertained for some hours while they worked together as a family on clearing and cutting up some unwanted plants.
Another benefit of the above is that if we do this with our children or partners, we can create opportunities for important connections and conversation.
A further spin-off is that it has the potential to counteract the overuse of Screen Time. Many families struggle with issues around gaming and the misuse of media. It’s not always easy to maintain the necessary limits in this area, so if healthy alternatives can be fostered, the issues around the mistreatment of these devices can be managed a little more easily. Some suggestions that may be helpful:
• Have a family outing to a spot around the area for a walk or other activity
• Go to a park to kick or throw a ball
• Ride the bikes together
• Walk the dog near or far
• Develop a family project – plant a garden or clean up the backyard together
• Go to the beach or hit the surf
• Go fishing
• Have a picnic in the backyard
All the best everyone. Stay positive. I hope the holidays are going well. Rob Hunter LPS Chaplain Robert.Hunter@education.vic.gov.au
NFP EVENTS
‘PAWS FOR GAWS’ CHARITY DOG WALK RETURNS TO SUPPORT VULNERABLE ANIMALS
Geelong Animal Welfare Society (GAWS) is thrilled to announce the launch of the 2026 PAWS for GAWS Charity Dog Walk; a fun, community event in support of vulnerable animals.
Taking place on Sunday 1 March 2026, the event invites dog lovers and community members of all ages to join a relaxed 4km walk along the picturesque Geelong Waterfront, starting and finishing at the Eastern Park BBQ area in East Geelong, followed by festivities at the event hub.
GAWS CEO Helen Cocks said community support of events like PAWS for GAWS makes a meaningful difference to the lives of lost, surrendered and stray animals in the Geelong region.
“As a community, when we walk together for a cause we all care deeply about, the impact goes far beyond one beautiful day,” Ms Cocks said. “PAWS for GAWS is not just about dogs on leashes - it’s about the thousands of animals in need of care, shelter and a second chance.”
“The support we receive through this charity dog walk directly translates into care, medical treatment and brighter futures for the animals in our shelter. We are deeply grateful for our community.”
Participants are welcome to join with their dogs or simply walk alongside GAWS in support. Along with the scenic waterfront stroll, the day will feature:
• Post-walk festivities, entertainment and activities for families and dogs
• A lively event hub with food, coffee and community stalls
• Merchandise
• Pooch Parade – Categories: best dressed, waggiest tail and best trick
• Prizes and giveaways
All funds raised through PAWS for GAWS go directly toward supporting GAWS’ vital work: providing shelter, care, veterinary support and rehabilitation for homeless, abandoned and surrendered animals. GAWS’ shelter is a not-for-profit organisation and relies entirely on the generosity of the community to continue its mission.
Last financial year, more than 3100 animals arrived at GAWS needing care. It costs GAWS more than $65 a day to provide care for one animal.
Registrations are now open and all registrants receive a PAWS for GAWS branded dog bandana and bumper sticker.
To register, visit pawsforgaws.org.au
Registrations: 9am
Walk start: 10am
Febfast - Are you ready to feel Your Best and Make a Real Difference?
This February, take on the Febfast Challenge: go booze-free for 28 days and help raise vital funds for Lifeline. It’s a simple step with a powerful impact - more energy, better sleep, and lives changed.
Why it Matters
By skipping the sip, you’re not just improving your own health - you’re giving hope to thousands of Australians in crisis. Every dollar you raise helps Lifeline answer calls from people who need someone to listen during their toughest moments.
Take the Challenge
• Sign up today
• Set your fundraising goal
• Share your journey and inspire others
Let’s make this February countfor you, and for those who need Lifeline the most.
THE EXPERIENCE
From the moment you board The Swan Bay Express, you will be taken straight back to the golden age of rail travel. Check-in at the Booking Office to receive a stamped ‘Edmonson’ Ticket as a souvenir of your journey, before you board the beautifully restored passenger carriages waiting in the platform. When the whistle blows, the train goes, and your journey around the beautiful wetlands of Swan Bay will begin.
At the historic Lakers Siding Station, the doors will swing open once again allowing you to explore the Station and Signallers Office, while the steam locomotive is prepared for the return journey to Queenscliff.
Ask our Booking Officers for a Lineside Guide, or a Spotto Activity Sheet for the kids. Fur passengers are also welcome to travel with their families. Space aboard The Swan Bay Express may be limited and is offered on a first-come, first-served basis.
The duration of The Swan Bay Express experience is 45 minutes.
*This is a short format heritage railway experience – for a full day experience, see The Seaside Explorer*
RUNNING DAYS
The following dates depart Queenscliff Station at 11:00am – 12:00pm – 2:15pm 1, 8, 15, 22 February 2026
The 32nd Annual Bellarine Agricultural Show will be held in Portarlington on Sunday 8 March 2026 and the theme is all things Working Dogs
The Bellarine Agricultural Show is a true celebration of country life, where the community comes together to share the best of the Bellarine. Rooted in traditional values and genuine rural hospitality, our show brings town and country together for a day of connection, learning and fun. From paddock to pavilion, there is something to delight every age and interest.
Across the grounds you’ll find livestock, home-grown produce, flowers, baking, preserves, art, photography and handcrafts proudly exhibited by local producers, families and schools. Visitors can watch working displays such as shearing, stock handling, wool classing, spinning and weaving, along with cooking, gardening and heritage crafts that keep old skills alive. Out in the main arena, horses, working dogs and vintage machinery help tell the story of our farming past, present and future.
The Bellarine Agricultural Society is proud of the strong community spirit that makes this event possible. The Show relies on the dedication of our volunteers and the generous support of local businesses, community groups and sponsors. We warmly thank everyone involved for their ongoing commitment and look forward to welcoming you through the gates on show day to experience country life at its best.
BIKES and SCOOTERS
Bikes and E Scooters are often easy targets over the summer holiday period, particularly in our beachside towns.
Whether you are just running into a mate’s place, at home, at the shops, in the caravan park or at holiday homes, remember to secure your bikes and e scooters to prevent their theft.
• Use a good quality D or U lock
• Lock it to a fixed, immoveable object that can’t be broken or moved
• Lock the frame and wheels to the parking infrastructure with one or more locks, especially if your wheels have quick release mechanisms.
• Whenever possible, keep your bike inside your home or in a locked shed or garage,
• Engrave the letter “V” and your drivers’ licence number (or another unique identifier) on the frame, apply data dots or attach GPS trackers.
• Take photos of your bike, including identifying features, marks and accessories
• Register your bike on BikeVAULT – a free service, supported by Neighbourhood Watch Victoria. You can record your bike’s make, model, colour and serial number and even upload photos of it. Take a look - https://www.propertyvault. com.au/bikevault/
ALWAYS LOCK YOUR BIKE, even if it’s parked in your garage, your carport or on your balcony or if you’re only leaving it unattended for a short period.
LOCK YOUR CARS
Sadly, opportunists are out there checking cars for valuables left in unlocked cars. Ensure it’s not your car they find unlocked. And most recently, residents in Lovely Banks, Corio, Lara, and Waurn Ponds were the unfortunate targets.
Continue to be vigilant and lock your vehicles whenever unattended and take everything of value with you.
We are all busy juggling work, kids on school holidays, shopping, home and everything else that is life.
And all too often we get a bit careless and leave the laptop in the car ready for tomorrow, or forget to bring the handbag or backpack inside.
Whether you are spending a day at the beach, running into the supermarket or to pay for fuel – LOCK YOUR CAR!!
Let’s keep our neighbourhoods safe! #Lockyourcars
Adult Workshops
8-12yrs & Teen Workshops
Special Event Galentine’s Makers Brunch with Sarah Moore & Jess Fulmer 10-12noon Sat,14 February
Morning Creative Mindfulness with Sarah Moore & Melissa O’Shea 10-11:30am Wednesdays
$195.00
$65.00 Character Illustration with Melissa O’Shea 4-5pm Thursdays
$245.00
Sew & Style: Fashion Accessories with Simone Amethyst 4-5:30pm Mondays
$215.00
Creative Mindfulness with Amber Diss 7-8:30pm Thursdays
$195.00
Felted Easter Eggs with Bec Wilson 1:30-4pm Sunday 29th March
$90.00
Art Making & Illustration with Bec Wilson 4-5pm Wednesdays
$245.00
Teen Studio with Melissa O’Shea 5:15pm6:15pm Thursdays (4-weeks)
$125.00
Enrol Enrol
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Right Mate Dinner:
February Edition @ Centra Hotel
Join us for our monthly dinner as we check out venues around Geelong while we catch up with other blokes.
Your $15 ticket includes your main meal, and this is only possible because of our generous sponsors and fundraising efforts that we’re able to subsidise the rest. Drinks can be purchased at bar prices.
We do also understand that the cost of living is challenging for some and a night out isn’t usually affordable, hence why we also have an option that if you’re not in a position to pay and would like to come along, you can select our Fully Subsidised option and, pending approval from our co-founders, your dinner will be on us.
We want to make these events as easy and accessible to any bloke that wants to join, so spread the word and we hope to see you there.
Please don’t hesitate to reach out if you have any troubles with purchasing a ticket or if you have any questions.
Thursday 19 February 6:30pm
Centra Hotel, 131 Yarra Street, Geelong.
$15 per person with limited Financial Assistance Tickets also available
Bookings Essential, spots limited!
LEOPOLD SPORTSMANS CLUB
In 1971 a couple of locals, Len Lewis and Kevin Ash had an idea for a bowls club in Leopold. The idea took hold, a committee formed and money raised. A location was needed that would have enough space for two bowling greens and a clubhouse. Finally this was located in Kensington Road, our current location and 5 acres purchased for $8500.
In May 1975 the club was officially opened as a family friendly sporting club by Brian Dixon, the then Minister for Youth, Sport and Recreation.
You can see the results for yourself on visiting our club.
There are so many people to thank over many years for their support, encouragement and voluntary help along with the the original crew that helped established the club.
Leopold Sporties, located in Leopold, Victoria, is a club based on sports. We offer Bowls, both social and Pennant, Golf, Racquet Ball and Squash.
FC LEOPOLD
SPECIAL EVENTS ARE SO MUCH FUN!
A range of open day competitions hosted by other centres are offered to athletes aside from their own centre’s Saturday morning competition. During winter, Corio athletes competed in a cross-country open day held at the You Yangs and hosted by Werribee.
So far this summer, athletes have been to Werribee for a relay open day, and to Ballarat, Horsham, Swan Hill and Whittlesea for track and field events.
Region and State level events are only for U9-17 athletes, so open days are great opportunities for younger athletes to have the experience of competing with other centres.
Athletes have loads of fun making friends, who they will likely meet up with at other events in the future. Quite often, longstanding friendships are made, and athletes enjoy catching up.
won engraved batons
Noah and Billie have been to several open days together.
“I love open days because I make new friends and get to see how good I am against other boys my age” (Noah)
“It’s so much fun going away with my family, I get to make new friends, and I love winning medals.”(Billie)
The Swan Hill open day is called the “Battle of the Borders” with centres from Victoria, NSW and South Australia competing.
This season, 30 centres participated, and a “Team Corio” of 8 athletes did amazingly well, bringing home 30 medals, setting 7 Swan Hill records and 1 Corio “Out of Centre” record.
2 athletes won their 100m and qualified to compete in the Junior Swan Hill Gift, with one placing second. This open day also included a “Best Centre” award, with Corio placing second.
Swan Hill runs on grass, which was a novel experience as well.
Each January, Little Athletics Victoria hosts the State Combined Events Championships. This event is similar to a heptathlon, where athletes compete in a set combination of events and points are scored, accumulating an aggregate score. These championships have no pre-qualifying requirements, so all U9-17 athletes can enjoy the experience of competing at the State level.
There are still a number of special events to come this summer, including the Western Metro Region Track & Field Carnival being hosted at home by Corio this season.
Athletes
at the Werribee Relay Open Day.
Athletes enjoyed running on the grass in Swan Hill.
in the spotlight
Getting to know your find Geelong contributors
Sally Higoe
• Leadership Alignment & Performance Consultant
Unlike other leadership experts, Sally is uniquely world-experienced having lead high-performing countries has amplified her ability to know what it takes to build resilience and understand team-culture
Her greatest learning however, was to recognise that when a leader ‘shines’ from the inside-out, for others to shine.
Sally works with leaders in new roles who are feeling flustered, confused and borderline incapable importantly, capable of tapping into and leaning on their true classic self for simplicity in their
Sally has a pragmatic approach and is known for ‘being herself’. She’s developed the admirable to outside pressures - and still obtain outstanding results… and she’s on a mission to help leaders destination with clarity whilst you navigate changing times.
Sally would love to work with leaders who are 18 months or less in a new role, in a service-based
• Facilitator of Find Geelong
high-performing teams in high-pressure outlying remote environments. This experience across multiple team-culture first-hand.
inside-out, they’re able to influence a ripple of positive change, generating impact that then gives rise
incapable and turns them into a Lion-hearted star-bold, present, courageous and energised - but most decision making!
admirable ability to take this to any situation, lead with volition as required - without the need to conform leaders in new roles reach this level too. Sally will ensure you find your classic sparkle and reach your
service-based industry who is experiencing the above personal challenges around their role.
GEELONGwww.findgeelong.com.auLOCAL
KT Wiz Community Day
Our family-friendly celebration at Geelong Baseball Centre gets underway on Sunday 8 February while the Korean Baseball Organisation (KBO) premier league side calls our region home during a training camp.
Watch KT Wiz practice on all four diamonds from 10:00am, before the open day kicks off from 2:00pm - 4:00pm:
• fun and informal skills session on Diamond One with KT Wiz players, including short interactive drills with junior players: 2:00pm - 3:30pm
• autograph and photo session: 3.45pm – 4.00pm
• DJ playing K-Pop and latest hits
• photo booth to create your own KT Wiz and City of Greater Geelong branded baseball cards
Join Kathy Lette - beloved humourist and author of the Australian classic Puberty Blues - as she returns to Geelong with another riotously entertaining tale.
Full of laugh-out-loud humour and flashes of devastating pathos, Kathy Lette’s The Sisterhood Rules is a romp through secrets, scandal and the unbreakable – if occasionally exasperatedbonds of sisterhood.
Twin sisters Isabel and Verity have always been inseparable – until Verity has an affair with Izzy’s husband, leaving them hopelessly estranged. But when their mother goes missing, Verity and Izzy are forced to reunite to find her. From there, the problems only get bigger: their mother has a new younger lover and where there’s a will … he’d clearly like to be in it. Can the sisters stop their mother from making a truly terrible mistake? And, while they’re at it, can they salvage their own relationship from the rubble?
Join Kathy Lette in Geelong as she discusses this big-hearted, cheeky and deeply relatable novel, shares what it’s like to be professionally funny and reflects on her extraordinary career to date.
You are invited to welcome Korean baseball team KT Wiz back to Greater Geelong at a special open day this weekend.
LOCAL EVENTS
We invite you to join us for Cultura’s 2026 Pako Festa on Saturday 28 February when once again Pakington Street is transformed into a huge street party and FREE for all to celebrate the rich diversity Geelong has to offer. The theme for Pako Festa 2026 is ‘Many Cultures, One Street: Celebrating Identity with Pride’.
Pako Festa is Cultura’s signature event and Victoria’s premier multicultural Festival offering a smorgasbord of cultural food, folk dancing, the famous Pako Parade at 11am, workshops, craft displays and entertainment on six world music stages in a 1-kilometer street festival.
Once the parade is over, then it is time to tantalise your tastebuds and discover and sample a variety cuisine from foreign lands, or to revisit popular international dishes, in this unique multicultural street party celebration that Geelong has embraced since 1983. The street springs alive with colour and movement, pop-up food vans, cafes, restaurants and marquees lining Pakington Street, Geelong West and West Park. The crown duel of the Pako Festa food offering is our passionate local community groups represent the culture and cuisine of their homelands with lovingly prepared authentic homecooked meals. The event is a major fundraiser for these local diverse communities so please make sure you show them support and visit them on the day!
Also look out for our NEW competition Shop Local Support Local; there is three $1000 cash prizes on offer. Spend a minimum of $30 in a shop along Pakington Street on the day. Visit our website for all the details.
When: 28 February 2026, 09:00 AM - 05:00 PM
Where: Pakington Street Geelong West Wadawurrung Country, Pakington Street Between Gordon Ave & Waterloo Streets
Contact: Luisa La Fornara
Email: pakofesta@cultura.org.au
Phone: 03 4210 0044
Associated organisation: Cultura Website: http://www.pakofesta.com.au
Eastern Beach Reserve and Aquatic Precinct is a Regional community park. Eastern Beach Reserve and Aquatic Precinct is located on the City’s waterfront, and is scattered with the renowned Bay Walk Bollards.
The scenic reserve features picnic facilities, playgrounds and a shark-proof sea bath surrounded by the historical art-deco-style boardwalk.
Built during the 1930s, the sea bath encompasses several floating islands and is dominated by a large diving tower. The picturesque reserve is patrolled by lifeguards during the summer months and is an essential location for the whole family to visit when in Geelong.
Th Diving Tower operate seasonally, with lifeguard supervision provided by Life Saving Victoria between November and April. The Children’s Pool is open 24/7, with lifeguard supervision provided by Life Saving Victoria between November and April.
Before visiting we encourage parent/guardians to be educated about adequate supervision when visiting a public aquatic facility.
Parents/guardians must actively supervise children under 10, remain distraction-free, and accompany children under 5 in the water.
All City’s aquatic facilities follow the Watch Around Water program, promoting safe supervision of children. For further information visit Watch Around Water - Life Saving Victoria.
Children’s pool and diving tower Lifeguard hours
Seasonal Lifeguarding hours:
22 December - 28 February 10am - 7pm, Monday - Sunday 1 March - 31 March 12pm - 5pm, Saturday and Sunday only
5 April - 19 April 12pm - 5pm, Monday - Sunday
Children’s Pool open unsupervised: 20 April - 31 October
Dive Tower closed: 20 April - 31 October
Driving for Change
Driving for Change - part of the e&s Golf Classic.
Join us for Driving for Change, a fun and purposedriven golf experience at the stunning Curlewis Driving Range. This interactive event brings together friendly competition, connection, and a shared commitment to making a difference — with all money raised going to Give Where You Live Foundation.
Guests will enjoy two hours of on-course fun, including one hour in the driving bays and one hour of mini golf, followed by a relaxed luncheon in Claribeaux restaurant with the full field of golfers
Whether you’re an amateur or seasoned golfer, this event is designed for everyone and offers great networking opportunities with local businesses.
On Saturday, February 14th, 2026, the Flying Brick Bellarine Sunset Run is celebrating the 11th edition of our light coastal trail event between Portarlington and St Leonards.
We believe, and thousands would agree we’ve found the perfect way to spend a summer’s weekend and Saturday evening as we combine some of life’s loves. Many families and friends will once again venture to the Bellarine Peninsula to spend a weekend running, eating, drinking, smiling, and laughing with friends and loved ones.
Our local family-organised event is proud to complement the ProFeet Half Marathon and Steigen 10 km with the Bully Buster 4 km where we raise awareness and shine a light on the benefits of the link between exercise and kids’ mental health.
Contact: Dion Milne
Email: info@bellarinesunsetrun.com
Phone: +61 408 207 196
Website: http://www.bellarinesunsetrun.com
Follow us:
http://www.facebook.com/bellarinesunsetrun
http://www.instagram/bellarine_sunset_run
The Pearly Shells - Music at the Geelong Botanic Gardens
Formed around the turn of the century by double bassist Steve Purcell as a Count Basie style dance band, The Pearly Shells have evolved over more than 20 years to become a unique Melbourne musical institution with an enormous repertoire of original charts and ties throughout Melbourne’s musical universe.
The Pearly Shells mix their own arrangements of 40’s and 50’s big band music with Jump Blues, Swing Jazz, RnB, Boogie Woogie and Latin styles and play it all with the drive and enthusiasm the music demands and deserves.
Expect music by Basie, Goodman, Ray Charles, Louie Jordan, Ellington, Billy Holiday, Ella Johnson, Xavier Cugat, T Bone Walker and BB King as well as Pearly’s songs from their 9 studio albums.
This iconic annual music series celebrates Victoria’s best musicians and ensembles in the stunning botanic gardens setting. One of Geelong’s most popular music events.
Experience good times, great picnics, and awesome music. Gather your friends and family and enjoy an unmissable performance this February.
Immerse yourself in a weekend of wonderful workshops on the beautiful Bellarine Peninsula. Learn the wonders of poetry, watercolours, resin making, jewellery making, glass blowing, and pottery, all close by to your comfy glamping tent at Coastal Glamp on the Bellarine Estate Winery.
Accommodation is for Friday and Saturday nights, all bedding, towels and meals included, as well as a wine tasting and transfers between workshops.
Places are strictly limited so get in quick.
Early birds available $825pp until midnight Wed 31st Dec and Full price $950.
When
Daily from 20 February 2026 to 22 February 2026
Cost Admit one: $950.00
Contact: Jon Hammond
Email: jon@coastalglamp.com.au
Phone: +61 410 758 165
Associated organisation: Coastal Glamp Follow us:
https://www.facebook.com/events/802264792275675
Get Ready for Banny Fridays!
The Barwon Heads Triathlon
The Barwon Heads Triathlon presented by 13th Beach Health Services is an achievable for all mass participation Triathlon.
Event includes:
• 400m swim
• 14km cycle
• 4km run
The course has something for all levels of competitors from first timers to experienced triathletes. The beautiful coastal towns of Barwon Heads and Ocean Grove make this the most picturesque Triathlon in Victoria.
Every Friday throughout January and February, Bancoora Surf Life Saving Club in Breamlea comes alive for our weekly summer hangout!
The bar kicks off at 5:30 PM and keeps the good times flowing until 11:00 PM, with a great lineup of live music from talented local musicians setting the perfect sunset soundtrack.
Come hungry! Each week brings a fresh mix of food trucks serving delicious bites.
Want to know who’s playing or which trucks are rolling in? Check out our social media every Monday for the full music and foodie lineup.
Everyone’s welcome!
Banny Fridays is a relaxed, family-friendly event open to the whole community.
When
Every Friday of every week from 02 January 2026 to 27 February 2026
Where Bancoora Surf Life Saving Club
Contact Steven Evans
Email: aussieevosteve@hotmail.com
Phone: +61 455 777 136
Associated organisation: Bancoora Surf Life saving Club
We are very excited to announce we are partnering with the amazing Justine Martin, Bellarine Estate, Coastal Glamping and Feed Me Bellarine to bring you - Resin & Ripples - a vibrant celebration of local art, creativity, and community.
Join us at the beautiful Bellarine Estate Winery to explore bold resin wall art by Bellarine Resin, inspired by the stunning Bellarine Peninsula, and be moved by the powerful presence of Justine Martin - Queen of Resilience.
Watch Justine create a live painting on the night, with her artwork auctioned to raise funds for Feed Me Bellarine, supporting local food security.
• View the latest resin wall art from Bellarine Resin artist Steve Wells
Prepare for an unforgettable experience as four of Australia’s most cherished musical theatre and opera stars unite for the very first time in OVATION – a superb concert featuring timeless classics from iconic shows such as The Phantom of the Opera, Les Misérables, Cats, Mamma Mia! and Disney’s Beauty and the Beast, as well as operatic masterpieces including La Bohème.
From the Sydney Opera House to the world’s most popular musicals, and Carols by Candlelight, Marina Prior, David Hobson, Silvie Paladino and Michael Cormick have captured hearts across the country and around the world with their magnificent voices.
Together they bring decades of combined experience and now, these four beloved stars, come together for an unforgettable showcase of their exceptional talent.
Accompanied by piano and a string quartet, these four stars will blend their extraordinary voices in a thrilling concert of musical theatre and opera classics.
OVATION will be a performance of a lifetime, a concert you’ll never forget.
• An array of over 70-80 artisan and handmade stalls
We are pet friendly and your well-behaved pets are welcome if they remain on a leash the entire time, and you do not enter areas marked where pets are not allowed.
The Barwon Heads Triathlon presented by 13th Beach Health Services is an achievable for all mass participation Triathlon.
*No January market to give most of our volunteer team a well-deserved rest as this market is run entirely by volunteers as a charity market to support local communities
When
8 February 2026 to 14 June 2026
Email: laracommunitymarket@gmail.com
Associated organisation: Rotary Club of Lara District Follow us:
We run on the third Sunday of the month from the Ocean Grove Neighbourhood House,1 John Dory Drive Ocean Grove.
Please note we have a special extra event on the 28th of March, in partnership with the One Planet Festival. We will be running at the Ocean Grove Park and Pavillion, 73/87 The Avenue, Ocean Grove.
Repair café is a free community service; volunteer repair fixers are available to help make repairs to common household items. People visiting the Repair café bring along their broken items from home and then work together with the fixer to save the item going to landfill. Save money and help the environment.
When
Various dates from 15 February 2026 to 15 November 2026
Where
Ocean Grove Neighbourhood House
Wadawurrung Country, 1 John Dory Drive, Ocean Grove
Contact Andrew Lewis
Email: repaircafebellarine@gmail.com
Phone: +61 418 335 596
Associated organisation: Repair Cafe Bellarine
Website: https://rcbellarine.weebly.com
Follow us:
https://www.facebook.com/RepairCafeBellarine
Portarlington Miniature Railway - Summer School Holidays
Portarlington miniature railway is a delightful passenger-carrying miniature train located within the beautiful grounds of the Portarlington Bayside Family Park,
the corner of Point Richards and Boat Roads, Portarlington.
During the School Holiday period, the railway will offer special services from 11:00am to 4:00pm on the following days:
• Sunday 4th January 2026
• Wednesday 7th January 2026 (school holiday run)
• Sunday 11th January 2026
• Wednesday 14th January 2026 (school holiday run)
• Sunday 18th January 2026
• Wednesday 21st January 2026 (school holiday run)
• Sunday 25th January 2026
• Wednesday 28th January 2026 (school holiday run)
Trains run frequently, and the ride costs only $4.00. The train ride takes about 10 minutes, and children under the age of 2 years travel for free. Family and periodical tickets are also available.
This family park is just a 30-minute drive from Geelong, and with its natural beachside setting, it makes an ideal location for a special family outing or picnic. Other attractions in the park include ample car parking, playgrounds, walking trails, free electric BBQ facilities, and a station kiosk –all nearby.
When
Various dates from 4 January 2026 to 15 February 2026
After entertaining 700,000 guests across the UK, USA and Europe, The Rock Orchestra by Candlelight is kicking off the first ever tour of Australia.
Prepare for a spellbinding 90-minute spectacle that infuses iconic Rock & Metal anthems with a hauntingly beautiful energy.
Amplified: The Exquisite Rock and Rage of Chrissy Amphlett
A Geelong Arts Centre
WRITTEN BY SHERIDAN HARBRIDGE
CO-CREATED BY SHERDAN HARBRIDGE, SARAH GODES AND GLENN MOORHOUSE
It’s a fine line between pleasure and pain.
A live-wire journey through the words and music of the Divinyls’ Chrissy Amphlett—the Geelong-born, rebelqueen of Australian rock.
Chrissy Amphlett was a seismic force in a school uniform. She had the raw talent, stage-conquering energy and the
In ethereal candlelit settings, this band of 13 classical musicians unleash effortlessly enchanting melodies alongside powerful walls of distortion. Witness the unexpected union of Classical music and Metal. The Rock Orchestra is a rotating collective of classical musicians, featuring some of the world’s greatest instrumentalists and vocalists.
Performing the music of iconic bands including:
Metallica, AC/DC, Rage Against The Machine, My Chemical Romance, Linkin’ Park, SOAD, Guns N Roses, Evanescence, Aerosmith, The Cranberries & more!
Performances: Sun, 08 Feb 202604:30pm Sun, 08 Feb 202607:30pm
Now, beloved performer and writer Sheridan Harbridge (Prima Facie) fronts the band in an electrifying new cabaret that captures Chrissy’s fierce spirit through her words and songs. Co-created with multi-award-winning director Sarah Goodes (Julia) and Glenn Morehouse, Amplified will take you on a kaleidoscopic tour through the eyes of fans and people who knew her into the heart of an artist well ahead of her time.
This is the sequel to my 2015 show ‘Dear Epson…’ My favourite ever show. It’s a hybrid of stand up and theatre, but really that just means I get to sit down for bits of it.
16 Feb 202608:00pm
Natalie O’Donnell & Simon Gleeson: Heart & Music
Helpmann Award winner, Simon Gleeson, best known for his acclaimed portrayal of Jean Valjean in Les Misérables, is a leading man whose career spans the main stages of Australia and London’s West End.
Natalie O’Donnell delighted audiences as Donna in Mamma Mia! – a performance that earned her a Helpmann Award nomination – and most recently appeared in the original Australian production of Dear Evan Hansen. She has built an extensive career across both stage and screen in Australia and London.
Together, this dynamic duo performs timeless favourites, from Irving Berlin classics to hits from The Greatest Showman, with a touch of Billy Joel and ABBA for good measure.
Heart and Music is an intimate performance of song and storytelling that celebrates the music that has shaped both their careers and their lives together.
Simon and Natalie will be joined on stage by their Musical Director and pianist, Kym Dillon.
Performances: Wed, 18 Feb 202611:00am
A-List Entertainment’s The Red Card Tour (Work In Progress) - Marty Sheargold 2026
Whether you’ve followed him on T.V., radio or stage, or you’re discovering him for the first time, this is your chance to see one of Australia’s most iconic comedians live at his absolute best.
Grab your tickets. It’s time for The Red Card Tour.
As much as I’ve been trying to embrace early retirement – I’m bored shitless so I’m going to be the 54 year old man that I am. Fun, sexy, charming and humble. Let’s share moments and memories from my life.You’ll laugh,you’ll cry,you’ll need a two-hour park.
(You won’t cry).
(You’d almost get away with an hour park, not quite)
Performances
Thu, 19 Feb 202608:00pm Fri, 20 Feb 202608:00pm
A-List Entertainment brings comedy powerhouse Marty Sheargold back in 2026 with his brand-new stand-up show — The Red Card Tour (Work in Progress).
Known for his razor-sharp wit, masterful storytelling, and unfiltered takes on life, Marty’s taking aim at everything from modern madness to middle-age misfires.
Symphony OrchestraFrench Flair
Buy Tickets
Subscription package for the GSO Series 2026 are now available
Purchase all 3 concerts and save, while supporting Geelong’s own symphony orchestra. Secure the best seats at the best prices by subscribing early!
Subscription Package $165 Standard / $150 Concession
Experience the intoxicating sounds of France in this vibrant evening of colour, drama, and romance.
Performances: Sat, 21 Feb 2026 05:00pm
Australian Eagles 50 Years Of Hotel California
An unmissable tribute to one of the greatest albums in rock history!
Fifty years on, Hotel California remains a cornerstone of classic rock - an iconic album that defined a generation and cemented the Eagles as rock legends. In 2026, The Australian Eagles Show, Australia’s premier tribute to the Eagles’ unforgettable sound, honours the milestone live in concert.
The show’s first set will see the band performing the Hotel California album in its entirety, followed by the second set of all the other Eagles classic hits.
Renowned for their pitch-perfect harmonies and masterful musicianship, The Australian Eagles Show is fronted by the supremely talented Michael Thompson and Shayne Browne. Backed by a powerhouse five-piece band, the show brings to life the legendary sounds that have captivated audiences for five decades.
Audiences can expect faithful recreations of timeless classics like ‘Desperado’, ‘New Kid in Town’, ‘Life in the Fast Lane’, and, of course, the Grammy-winning epic ‘Hotel California’. This tour also honours the solo hits of Don Henley, Joe Walsh, and the late Glenn Frey, offering a full-bodied tribute to the band’s enduring legacy.
Formed in Los Angeles in 1971, the Eagles are one of the bestselling bands of all time, with more than 150 million albums sold worldwide, six number-one albums, and six Grammy Awards. Their Greatest Hits (1971–1975) remains one of the best-selling albums of the 20th century, while Hotel California, released in December 1976, is widely regarded as one of the greatest rock albums ever recorded.
The Australian Eagles Show doesn’t just perform the songs — they channel the spirit of the original band, delivering an authentic concert experience that continues to wow fans across Australia and beyond.
Whether you’re a lifelong fan or discovering the Eagles for the first time, this 50th-anniversary celebration of Hotel California is an unforgettable night of music, and nostalgia.
Performances: Sat, 21 Feb 2026 07:30pm
Ripcord - Geelong Repertory Theatre Company
FUN-LOVING MARILYN AND SHARP-TONGUED ABBY HAVE HAD LONG, WINDING AND VASTLY DIFFERENT LIVES.
They now find themselves sharing a room in a retirement village. One wants the other’s bed by the window. The other wants their room-mate out altogether. How to decide?
Performances: 06 Feb to 21, 2026 07:00pm
FEBRUARY 2026
‘We Are Geelong:’ Cats Launch 2026 Brand Campaign
The Geelong Football Club is proud to launch its new brand campaign titled ‘We Are Geelong,’ ahead of the 2026 AFL season.
Selected from the famous opening line of the club song, ‘We Are Geelong’ invokes a sense of unity with a connection between players, staff, members and fans.
Whether at home or far away, the brand aims to remind all Geelong people that they are a valued part of the Cats family, connected in the club’s quest for the ultimate success.
A focal point of the community, the Cats are a unique club with a state of the art precinct, the towering lights at GMHBA Stadium dominating the skyline and reminding visitors of the importance of Geelong to the region.
But it takes so much more than just the players on the field to continue achieving success, with the Cats’ loyal and devoted followers helping the club to continue striving for greatness.
The brand encapsulates a feeling of pride while also remaining fearless, creating an impact that lasts and that everyone is a valued part of the Cats family.
It also entails an explorer mindset, looking to unlock authentic experiences by inspiring adventure, individuality, freedom and discovery.
Geelong aims to welcome all to the club, while also giving back to the community and celebrating our heritage.
The ‘We Are Geelong’ campaign will be evident across the Cats’ social media channels, website, memberships, community and all content across the 2026 season, as the Geelong Football Club continues to push for success this year.
Learning From the Master: Dempsey Evolving Ahead of 2026 Season
Looking to take the next step in his development, Ollie Dempsey has sought advice from an all-time great during the pre-season in preparation for another big campaign
By Cats Media
There are a plethora of emotions that any draft prospect will go through, as they watch on and wait to see if their dreams will become reality.
A combination of excitement, anticipation, nerves and patience are required, while clubs sift through the draft pool in search of their next superstar.
The experience was no different for West Australian prospect Renee Morgan, who had to wait until the middle of the third round to hear her name called out.
But any worries were quickly dispelled for Morgan, creating a moment with her friends and family that she will remember forever.
It is not necessarily a rarity for players to seek guidance from others who have walked the same path before them, helping to develop their understanding of the rigours involved with Australian Rules Football.
It is, however, an uncommon phenomenon for the mentor providing counsel to be one of the greatest players the game has ever seen.
The situation is one that has befallen young Cats star Ollie Dempsey and his ever-growing connection with Gary Ablett Junior, the pair forming a strong bond over footy, faith and family.
Already firmly in the conversation as one of the competition’s best wingers, Dempsey has noticeably spent plenty of time in the gym over the pre-season, looking to match his elite endurance and running prowess with strength around the contest.
The change has come as Dempsey looks to expand his skillset and experiment with different roles in the lead-up to the 2026 season, and there is nobody that can provide advice on playing through the midfield quite like ‘The Little Master.’
“He actually has given advice, he has been really good,” Dempsey said.
“I say that I don’t often talk to him about footy, but when I do, he has a wealth of knowledge.
“I have touched on it with him, the footy side of things a bit more recently and it has been really good. Working on a few different things like spacing around the footy, it is obviously a bit different coming from the wing to inside.
“I have learned a bit off him which is really nice, and I will continue to do that as I go along in my career, which I am very blessed to be able to do.”
Dempsey’s last two seasons have been nothing short of extraordinary, going from a fringe player at the beginning of 2024 to a Rising Star winner and one of Geelong’s most important players, all within the space of 18 months.
But despite his accomplishments on the field, the 23-year-old set tongues wagging around the competition with some preseason images showing his progression heading into 2026, something that Dempsey said his teammates did not miss.
“I did see a few of those posts, a lot of the boys gave me a bit of smack about it which is funny as well,” Dempsey said.
“I think it is always something, I am trying to get bigger and stronger, especially if I am going to play different positions.
“As long as I keep my running up, which I think I have, I felt like I have come back fitter than ever which is really nice.
“I just want to keep working towards that, keep getting bigger hopefully.”
The Cats have been down in Warrnambool this week as part of their 2026 Community Camp.
Players have taken part in numerous activities including school visits, a super clinic and an open training session.
Once the team returns to Geelong, preparations will ramp up with the new season drawing ever so close.
The Cats’ first match simulation is less than two weeks away, before their official practice match on the 25th of February and then all eyes will turn to Opening Round.
But before all that happens, Dempsey noted that the trip down the coast has provided a nice chance for the Cats to give back to the community and the club’s loyal fans.
“It is so nice coming down here,” Dempsey said.
“We often come down here, every year to Warrnambool and it is always a good community. We were greeted by a lot of good fans down here, so we love coming down here.
“We get to visit schools and do all of that, it is a good time of year.”
WELCOME TO GEELONG UNITED BASKETBALL’S WEEKLY UPDATE
WNBL Update
Our squad hit the court last Friday afternoon for their final home game of WNBL 26.
A tough task lay ahead in reigning premiers Bendigo, who up to this point Geelong had never beaten throughout their two seasons in the league. However, it was the home side who would come out firing, surprising the Spirit to claim a 7 point win and another major scalp for the season – Venom now having defeated all top end sides in Townsville, Perth and Bendigo.
Next up was a road trip to Sydney on Sunday afternoon, where once again Geelong would show some true grit, silencing a Flames side who were looking to make one last attempt at a finals berth. Claiming back to back wins for the first time this season, Geelong walked away 13 point winners.
Next up, we’re hitting the road once again for our final regular season game. We’ll look to spoil another season at AIS Arena when we take on the UC Capitals who desperately need the win to have any hope of making the final four.
Catch all the action live on ESPN or Disney+
NBL1 Update
Things are starting to take shape ahead of the NBL1 season, which kicks off for our Geelong sides on March 28.
Some big signings have already been announced, with plenty more big names still to come!
Our women’s squad are looking to go one better than last season, where after a perfect regular season and finals campaign, they fell agonisingly short at the final hurdle, going down to a tough Knox outfit in the Grand Final.
The team though will be boosted by the re-signing of captain Jaz Shelley, alongside speedy point guard Lilly Rotunno.
As for the men’s squad, the man who many consider one of the GOAT’s of Geelong Basketball, DeMarcus Gatlin is back for another season with united. Another huge signing was also announced late last week in current Cairns Taipans NBL star, Lachlan Barker.
Coach Development Sessions:
We’re excited to launch our 2026 Coach Development Sessions!
These FREE sessions focus on leadership, culture, confidence, and wellbeing, giving coaches practical tools they can apply immediately in their teams and programs. Read more
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 as 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.
What’s Happening...
Westfield Local Heroes 2026 nominations
now open
Westfield Local Heroes is a recognition and awards program that shines a spotlight on the individuals and organisations in Australia and New Zealand who make a positive impact to their local community or environment.
Nominations close on Thursday 12 March 2026 at 7pm AEDT.
How it works:
How it works
1. Nominate Community members nominate their Westfield Local Hero by filling in an online nomination form.
2. Vote
Nominations are assessed by our selection panels against set criteriam to create a shortlist of three finalists per Westfield destination. These three finalists per Westfield destination are promoted, and communities are invited to vote for their preferred hero.
3. Celebrate
The successful Westfield Local Hero with the highest number of community votes for each Westfield destination will be announced and awarded a $20K grant for the organisation they represent. Finalists receive a $5K grant for their organisation.
NOMINATE NOW
If you have been nominated in the program and have any questions, contact us at westfieldlocalheroes@scentregroup. com
For full details of the program such as criteria, FAQs and Terms and Conditions, visit the Westfield Local Heroes website
Need inspiration? Read the stories of last year’s Local Heroes and finalists on the News for Better page.
Watch the videos below to see the impact that a Westfield Local Heroes grant can have on your nominee’s work.
Market Square was a town square located in the centre of Geelong, Victoria, Australia. Consisting of eight acres (2.9 hectares) of land, the area was reserved by Governor Sir George Gipps as a town square during the initial surveying of Geelong. The area later became a produce market, before being progressively built upon. Today the Market Square Shopping Centre occupies the site, having been opened in 1985 by the City of Geelong.
What’s Happening...
The Original, Market Square
Drop by our colouring space located just outside the Ghanda outlet. It’s the perfect place for the little ones to take a creative break!
For more information on the LED glow stick product recall, head to: Promotional LED glow stick torch | Product Safety Australia
GEtTING TO KNOW GEELONG
FEBRUARY 2026
WATERFRONT
The Geelong Waterfront is one of Australia’s most stunning waterfronts. Having started from humble beginnings when Geelong was founded as a port in 1836, the Waterfront has now attracted a series of prestigious awards.
This cosmopolitan and vibrant area is a hive of activity with restaurants and cafes, beautiful landscaped gardens, attractions and public art, all with amazing views of Corio Bay. It also provides a full events calendar, tourism, education and accommodation services:
Our historic Carousel, Poppy Kettle playground and youth activities area is great for kids of all ages. See Geelong’s famous bollards.
There are plenty of possibilities to explore and view the Waterfront: take a ride on a Harley Davidson motorcycle, ride the trackless train if you prefer a more leisurely look around, check out the view from the air in a helicopter or take a boat cruise along Geelong’s spectacular Waterfront.
A visit to Geelong is not complete if you haven’t seen our spectacular waterfront.
POPPY KETTLE PLAYGROUND
Situated on the Geelong waterfront, this park is jam-packed with awesome play elements, has beautiful sea views, has picnic facilities, and is a short walk away from cafes and other Geelong attractions. It makes for a beautiful day out for all ages, and is certainly a must-do in summer.
The interactive play equipment includes a multi-coloured tubular slide that winds down the hill, a dragon emerging from the ground, a timber tower, a swing, a boat (atop the sand pit), bouncers, and a unique pyramid climbing net.
The playground is also well known for the interactive Poppy Kettle water fountains and miniature statues, situated amongst a rock area, which seem to be the main attraction for little ones. In fact, this feature was inspired by a children’s book written by local author, Robert Ingpen, and gives the park a magical quality. During the summer months the slide area has additional water play features.
A trip to this playground can be combined with a walk or bike ride along Geelong’s famous Bollard walk or a visit to The Carousel. Geelong’s Youth Activity Precinct is located a stones’ throw away from the playground, and features basketball ring, seating areas, open multipurpose area, and skate ramps.
This is one of the most perfectly positioned playgrounds for so many reasons.
SKATE PARK
Skate Parks in Geelong have a variety of facilities available for skate boarders, bladers and BMX bike riders including quarter pipes, handrails, funboxes, vert ramps, pyramids, banked ramps, and stairsets.
We strongly advise the wearing of helmets and padding when using our Skate Parks, and enforce compulsory wearing of helmets at all skate events.
Looking to get into skating or want to know more about skating in Geelong?
Young people interested in joining in activities can call the Skate Program Worker on 03 5272 5272.
We have more skate parks per capital than any other municipality in Australia.
CUNNINGHAM PIER
The Pier Geelong offers uninterrupted bay views stretching from Rippleside to Point Wilson and the Geelong City skyline. It provides a large impressive area catering for small events of up to 800 guests seated or 1000 guests’ cocktail style.
The venue also housed City Quarter Bar a trendly lounge bar on Level 1. With loft ceilings, three decks, comfortable lounges, fireplace, gourmet pizzas and world inspired tapas, CQ is perfect for hosting engagements, birthday parties, hen’s high teas or pre or post event drinks.
Also housed within this iconic building is Wah Wah Gee, a funky Asian-inspired restaurant, offering an extensive menu leaving you feeling satisfied and content in an exciting atmosphere. Enjoy our delicious cuisine with floor to ceiling views of Geelong’s bay - you’ll feel like you’re floating on water.
A jewel on Geelong’s waterfront or a bit of a white elephant. Once a working pier known as Railway Pier, it’s now neither a pleasure pier nor used for regular shipping.
ARTS & CULTURAL PRECINCT
The area between Johnstone Park and Ryrie Street to the west of the shopping and business district of Geelong is known as the Geelong Arts Precinct. This area is also home to the Geelong Town Hall, which is the main council offices of the City of Greater Geelong.
The city is currently seeking funds for a radical overhaul of the precinct where the current facilities will receive a substantial redevelopment. There are also plans for some pretty innovative landscaping and street works which will bring the area into line with the rest of our recently rejuvenated city. This massive renovation will make the precinct one of the best arts and cultural precincts in the state. The scale of the project put the cost of the whole redevelopment in the vicinity of over 130 million dollars.
The Geelong Art Gallery is attached to the Geelong Town Hall, and it houses a magnificent and varied collection of artworks. Two paintings in particular are extremely special to our Gallery, first being the “View of Geelong” which was painted by Eugene von Guerad in 1856. This painting was bought recently by the museum from legendary English musical creator Sir Andrew Lloyd Webber. “A Bush Burial” by Fredrick McCubbin, painted in 1890 is another of the gallery’s most precious works.
Geelong Arts Centre, formerly the Geelong Performing Arts Centre, is a performing arts, functions and events venue located in Geelong, Victoria, Australia.
OLD PAPER MILL
Geelong’s best kept secret The Fyansford Paper Mill is set on the Barwon River and overlooks the picturesque Buckley Falls. It was constructed in the 1870s and is one of the oldest paper mills in Australia.
The site is being transformed into a food, beverage, arts and cultural precinct, located within 10 minutes of Geelong’s CBD. With just under 5,000m2 of building space, the Mill is home to over 15 businesses, including a winery, café, gallery, yoga studio, homewares shop and escape room. There are also a number of small independent artists who have private studios across the site.
Visit the Fyansford Paper Mill one of Geelong’s historic places to visit. Discover all kinds of food, arts, activities, as well as our great history, see what’s on in Geelong here.
Fyansford Paper Mill one of Geelong’s most historic places to visit.
WESTERN BEACH
In those days there was an unwritten rule designating Western Beach for men’s bathing and Eastern Beach for women. But some ‘dastardly gentlemen’ would disregard the agreement scaring respectable women away.
Today the area is rarely used for swimming, but it’s still a popular stretch of foreshore connecting Rippleside to the rest of the Waterfront.
Here you’ll find the Boat House restaurant (Geelong’s best spot for fish and chips), the Poppykettle Playground, a designated fishing area, and the marvelous Western Beach Boardwalk.
Curving out over the water the boardwalk has wellplaced seats where you can sit back and watch the sea birds duck dive for fish. In the early morning, it’s perfect for watching the sun come up over the bay.
People have been swimming, boating, fishing and playing at Western Beach Geelong since the 1840’s
RIPPLESIDE PLAYGROUND
Rippleside Park is a beautiful regional foreshore park located on the Bay Trail.
This well utilised park provides exercise equipment, BBQ facilities, beach access and open spaces with views over Corio Bay.
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.
The City partnered with the Touched by Olivia Foundation and the Federal and State Governments to build a regional-level play area for children of all abilities to play together.
The park features:
• 4x Accessible BBQ’s and picnic facilities
• 4x Accessible parking bays
• Registered Changing Places
A community built wooden Adventure playground built over six days in 2001 with all the usual ramps, walkways, steps, nooks and crannies to explore.
STEAMPACKET GARDENS
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.
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.
THE 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.
The Carousel Pavilion can be booked for wedding ceremonies, wedding receptions, photo shoots, and private or corporate functions.
Housing a beautifully restored Carousel, this competitively priced, exclusive all-weather venue is available for private hire seven days a week from 3:00pm.
The Carousel Geelong is a rare 1892 Armitage-Herschell hand-carved wooden carousel.
OLD GAOL
The Geelong Gaol Museum is housed in the 170-year-old Geelong Gaol, the third oldest prison in Victoria. Opening in 1853 and closing in 1991 it housed male and female prisoners.
Over its history, it has been used as an industrial school for young girls, a hospital gaol and a military detention barracks. It was the site of 6 executions.
Today it houses display illustrating not only the history of the Geelong Gaol but the history of the corrections of Victoria.
It features displays on the Hulks, Colonial Prisons, Executions and Saga Behind the Armour along with some of the prisoner stories who have spent time behind the bluestone walls.
The Geelong Gaol Museum is open on weekends, school holidays and public holidays.
A 19th century gaol which operated from 1853-1991 in the same conditions you see today.
For Retirement Planning and Aged Care: Websites to visit in Australia
RETIREMENT
By Warren Strybosch
Planning for retirement and navigating aged care decisions can feel complex and overwhelming. From understanding superannuation rules and Centrelink entitlements to comparing accommodation options and managing aged care fees, retirees and their families face a wide range of important financial decisions.
Thankfully, there are several high-quality, non-government websites in Australia that provide trusted information, education, and professional support to help people make confident choices. Below are some of the best retirement planning and aged care websites that retirees and their families should consider visiting: www.findretirement.com.au
Find Retirement is one of Australia’s leading and award-winning retirement and aged care advisory firms. Their website is designed to help retirees and families make confident decisions about retirement living, downsizing and aged care placement.
Find Retirement specialises in:
• Retirement village and aged care placement assistance
• Explaining aged care costs, including refundable accommodation deposit (RAD) and daily accommodation payment (DAP) options
• Helping families compare villages, providers and locations
• Providing independent, unbiased advice
• Offering personalised guidance during what can be an emotional transition
What truly sets Find Retirement apart is its independence. The business is not owned by any retirement village or aged care provider, meaning the guidance provided is free from conflicts of interest. Its reputation as an award-winning firm reinforces the level of trust, professionalism and care it brings to families across Australia.
SuperGuide – www.superguide.com.au
SuperGuide is one of Australia’s most respected independent retirement and superannuation education websites. It has been helping Australians understand super and retirement planning for many years.
The website covers topics such as:
• Superannuation contribution limits and strategies
• Transition-to-retirement planning
• Retirement income streams and drawdown strategies
• Age Pension rules and entitlements
• Tax considerations and investment approaches in retirement
SuperGuide is commonly used by pre-retirees and retirees who want to educate themselves and make more informed decisions — either independently or before meeting with a financial adviser. The content is written in clear, accessible language and is regularly updated to reflect changes in legislation and superannuation policy.
Aged Care Steps – www.agedcaresteps.com.au
Aged Care Steps is a highly regarded specialist education platform focused exclusively on aged care financial strategies. While it is widely used by financial planners and aged care professionals, it is also a valuable resource for retirees and their families seeking to understand the financial and regulatory complexities of aged care.
The website focuses on:
• The financial impact of entering aged care
• Strategies for managing and reducing aged care costs
• How aged care and Centrelink interact
• Educational guides, videos and webinars
• Best-practice financial solutions for families
Aged Care Steps is ideal for those who want a deeper understanding of the technical and financial aspects involved in aged care decisions. It empowers families to better understand their options and engage more confidently with advisers and care providers.
The ASFA website is a leading industry resource for superannuation and retirement information in Australia. While it represents superannuation funds, it operates independently of government and provides valuable, research-based content to the public.
ASFA offers:
• Guidance on superannuation and retirement planning
• Research on the cost of retirement in Australia
• Educational articles for retirees and pre-retirees
• Insights into lifestyle costs and long-term planning
• Updates on superannuation and retirement policy changes
ASFA is best known for its “Retirement Standard”, which estimates how much money Australians need to fund a comfortable or modest lifestyle in retirement.
Final Thoughts
The transition into retirement — and in some cases aged care — is one of the most significant life changes a person can make. Accessing reliable, independent and easy-tounderstand information can make all the difference.
For Australians seeking clarity and peace of mind, these websites provide valuable support:
• Find Retirement – Award-winning support for retirement living and aged care decisions
• SuperGuide – Trusted education on superannuation and retirement income strategies
• Aged Care Steps – In-depth information on aged care financial strategies
• ASFA – Industry-backed insights into retirement standards and superannuation planning
Whether you are planning ahead or facing immediate aged care decisions, these platforms offer the guidance and confidence needed to move forward with greater certainty and control.
Here are the contact phone numbers for the organisations listed (where they are publicly available):
• Find Retirement — Phone: 1300 883 830 (to book an initial phone appt: https://calendly.com/findgroup/15minute-phone-conversation)
• SuperGuide — Phone: 1300 300 273
• Aged Care Steps — (no publicly listed single -line phone number; best to use website contact form / enquiry email)
• ASFA (Association of Superannuation Funds of Australia) — Phone: +61 2 9264 9300 or 1800 812 798 (outside Sydney)
Warren Strybosch Award winning Financial Adviser
Part of the Find Group of Companies
Financial Planning, SMSF, Super, Insurance, Pre-Retirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the
Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).
Warren Strybosch
Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd.
This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.
Whilst all care has been taken in the preparation of this material,it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
Protecting retirement income from inflation
AGED CARE
By Aaron Minney
The fall in inflation from multi-decade highs is good news for the Australian economy. Many retirees are struggling to manage their cost of living because of the cumulative impact inflation has had on their financial position. Looking forward, retirees need a portfolio that is protected from inflation risks so that they don’t experience another cost-ofliving crisis when inflation has another upturn.
Maintaining the long-term real value of investments
The key to a successful investment strategy is the ability to generate returns over the long term. Managing inflation is an important piece of the strategy. Long term investments need to be able to generate a real rate of return that provides growth in the investment value. The investments do not need to capture short-term inflation changes, but they need to offset the impact of inflation over time. Assets that are expected to do this are generally referred to as ‘growth’ assets. To demonstrate this, we can look at the historical performance of assets over the long run1.Looking at Australian investment returns between 19002023, equities provided a return higher than inflation in 81 years which was 73% of the time. The one-year success rate for bonds and bills (cash) were lower, constrained by historical limits on bond yields. Both bonds and bills provided a one-year real return only 62% of the time in the same period.
The long run probabilities are shown in Figure 1. As the investment horizon extends out, up to 25 years, the probability of equities providing a real return increases. The higher returns on the investment eventually overcome any initial shortfall. Bond and bill investments show little improvement with a longer investment horizon2. At horizons of 20 years, the probability of delivering a positive real return from nominal bonds was only 60%. Historically, all investment horizons of 16 years (and longer) have provided a positive real return for Australian equities. While history does not provide a guarantee, the increase shown in Figure 1 should provide confidence that a long-term investment in equities will provide real capital growth.
This analysis can be extended to diversified products such as a 70/30 growth fund (70% equities and 30% bonds) and a
50/50 balanced fund (50% equities and 50% bonds). These both show trend improvements over time, benefiting from the exposure to growth assets, but over longer periods. The 70/30 fund needed 20 years and the 50/50 fund 25 years historically to ensure the positive real return.
The portfolio comparison in retirement is important in the generation of income over longer periods. If income is taken as a set percentage of the balance than changes in income will directly link to market movements. Also, there are market-linked annuities available in Australia where the capital is consumed but the income, which is paid for life, will be directly linked to the performance of the specified market or underlying investments. This paper provides a historical basis to consider the inflation protection provided by these income streams. Historical investment performance is not a reliable indicator of future performance, but it is worth considering the timeframe for recovery from historical shocks.
Figure 1: Historical probability of positive real returns, 1900-2023
Source: Calculations, based on data from Morningstar, S&P, Bloomberg and ABS
1. The historical data in this paper comes from the Dimson, Marsh and Staunton dataset as provided by Morningstar.Recent data on indices relates to the S&P/ASX 200 Accumulation index, Bloomberg AusBond Composite 0+Yr Index and Bloomberg AusBond Bank Bill Index. Recent inflation data is the CPI sourced from the Australian Bureau of Statistics.
2. The majority of these periods were between 1933 and 1973 when bond yields were set by regulation.
Inflation risk in retirement
Inflation is often called out as a risk in retirement that needs to be managed differently. Longevity and sequencing risks are also noted as being different, and these are not present in the accumulation phase. One of the challenges with managing inflation risk in retirement, is that inflation risk has a different impact on a portfolio in the retirement phase. Management of inflation risk in retirement needs a different approach. It is not just that capital needs to regain its real value, but every income payment needs to keep its value to maintain the target lifestyle of the retiree.
We can examine this difference by considering the outcome for someone who started to draw an income at the start of 1973. This was one of the worst years in the historical comparison where the inflation spike meant that any investment-linked income would be falling in real terms in the first year. If a retiree’s income was linked to an investment, the real value would have declined for any of the three assets: Bills by 3.5%; Bonds by 26%
and Equities by 30.7%. What happens over time is the recovery in the level of income. Income linked to equity performance briefly exceeds the original value in 1980 but dips again before maintaining real gains from 1983. Bills provide higher real income from 1985 while bonds will take until 1992. The 19year impact on bonds highlights the exposure that nominal bonds have to inflation risks. The pattern for income linked to the different markets from 1973 can be seen in Figure 2.
Source: Calculations, based on data from Morningstar, S&P, Bloomberg and ABS
There is more at stake for retirees. The impact is not just the length of time to recover the real capital value, but the income that is lost over that period. For the nine years that the real equity-linked income is under the starting point, a retiree needs to reduce their lifestyle or run their capital down early. The shortfall is shown in Figure 3. It highlights the cumulative shortfall in income, relative to the initial lifestyle of the retiree. The starting point is where inflation risk creates an impact which might be after the start of retirement.
The shortfall highlights the extent of the impact from an inflation shock. The worst performance is from bonds, where more than 7 years of income (lifestyle) were lost over a 17-year period before a modest recovery. For equity-linked income, nearly three years of lifestyle were lost over nine years. While there was a strong recovery after, this is an average of a third of total spending that needs to be cut for an extended period. Cash investments took longer to fully recover, but the extent of the pain was not as large. The worst point is ten years after the shock, where the retiree has missed 1.7 years of real spending.
Source: Challenger calculations, based on data from Morningstar, S&P, Bloomberg and ABS
The extended pain highlights why inflation risk is an additional risk to consider in retirement. It is not just the capital recovery, but it is the lost lifestyle that happens when an income stream does not keep pace with inflation. Retirees that choose a market-linked income stream need to have the capacity to sustain a potential extended period of reduced lifestyle before they can enjoy an increased lifestyle later in retirement.
Payment profiles and income indexation
The analysis so far has highlighted how inflation shocks can impact a lifestyle based on an initial spending level. In practice, not all spending profiles are the same. The different approaches to generating income provide differing levels of starting income. There are some differences in product features that impact the payment rates, so for comparison we will look at rates for Challenger Lifetime Annuity (Liquid Lifetime) options as at 8 April 2024 where the lifetime income streams all include capital access and a death benefit in line with the maximum allowable under the Capital Access Schedule3. The differing options for indexation of an income stream include:
• CPI-linked lifetime income
• Market-linked lifetime income4
• Accelerated payments with market-linked lifetime income
A CPI-linked lifetime income stream sustains the lifestyle of the retiree by adjusting their payments with changes in the cost of living. A market-linked income stream uses an indirect approach, that requires market movements to exceed CPI inflation over time to maintain the lifestyle of the retiree.
3. For an explanation of how the Capital Access Schedule operates see: 4.9.3.35 Means test assessment of asset-tested income streams (lifetime) | Social Security Guide (dss.gov.au)
4. Different market-linked options are available, but the initial payment is the same for each option.
Accelerated payments are designed to smooth the income profile of market-linked income streams. Recognising that payments are expected to grow over time, some of the income can be front-loaded by indexing the payments by a fixed percentage lower than the market return. This provides a higher starting payment that will grow more slowly. This fixed percentage is sometimes called the assumed investment rate (AIR). The analysis includes payments for an AIR of 2.5% p.a. and 5% p.a. The difference in the initial payment rates as shown in Figure 4 can be substantial.
Source: Challenger, as at 8 April 2024
Figure 2: Investment-linked income example
Figure 3: Cumulative shortfall in real incomes
Figure 4: Initial payment rates
Current rates provide a range of starting payments, per $100,000 of around $4,000 to $7,000 a year, for a 65-yearold male. A market-linked lifetime annuity with a 5% AIR has payments starting at a rate 78% higher than one with no AIR. Over time the payments will increase by 5% less each year so over time the payments will cross over. This wedge is independent of market movements.
The paths for the 30 years from Dec 1993 to Dec 2023 can be seen in Figure 5. This shows the five-fold increase for payments that were linked to the accumulation performance of the S&P/
ASX200 over that time. The 5% AIR hurdle provided the highest initial payment, but lower indexation meant that this would not have been the highest after 2004, only 11 years into retirement. The smaller increase in the payments with a 5% AIR would not have kept up with inflation from the initial payment level. It provided a flatter spending profile that declines in real terms.
Source: Challenger, S&PASX200
Dividend strategy
Another approach with an equity investment is to use only the dividend payments for retirement income. Dividend yields tend to be counter-cyclical so dividends are not as volatile as share prices. The question is how well they keep up with inflation over time. Again, we can use the available historical data5 to see what might have happened. One difference is that none of the dividends are reinvested. When dividends are higher, a marketlinked strategy effectively reinvests the excess. A dividend strategy spends this excess which has an impact over longer horizons.
Another difference with a dividend strategy is the starting income levels. The starting income reflects the dividend yield available at the time, with no consumption of capital over time. The first challenge is to see if the dividends protect from inflation for the given starting level. Figure 6 highlights how the dividend strategy does not provide the same level of protection of an equity market-linked strategy. It begins with a 60% success rate, similar to the equities market-linked strategy with a 5% AIR. Over time, the success rate improves, but it does not match an equity market-linked strategy. Historically, dividend growth over 25 years was below inflation in 10% of the scenarios. The earliest in this sample was 1929-1954 and the latest was 19691994.
Source: Challenger calculations, based on data from Morningstar, S&P, Bloomberg and ABS
The dividend strategy maintains the capital invested in the underlying equities so the income payments will be lower than what can be achieved if the capital is consumed over retirement. On average, the dividend yield has been 4.65% p.a. and is currently 5.2% including franking credits. Investors might expect inflation protection similar to an equity-linked 5% AIR investment. In practice, the initial income is lower with a dividend strategy, but the lower income is better protected than the 5% AIR strategy. However, it can take a long time to catch up the initial income gap.
Another impact of maintaining the capital is that the dividend strategy does not increase payments at older ages. The comparison to market-linked lifetime income streams is shown in Figure 7 which shows that only the market-linked strategy with a 5% AIR has a higher initial payment at age 65, but by age 75, the dividend strategy provides lower payments than any of the other strategies. This demonstrates that a dividend strategy supports a lower lifestyle than a strategy that will consume capital over time. Retirees are unable to maximise the money available to spend through retirement if they do not draw down on their capital.
Historical data is calculated as the difference between Accumulation and price returns in the BHM dataset: Brailsford, T., J. Handley & K. Maheswaran (2012) The historical equity risk premium in Australia: Post GFC and 128 years of data. Accounting and Finance Vol52.1 pp237-247.Franking credits have been included for the period post 1987
Figure 6: Inflation protection of a dividend strategy
Figure 7: Initial payment rates per $100,000 investment at different ages
Source: Challenger as at 8 April 2024 with calculations based on S&P data as at Dec 2023
5.
Figure 5: Market-linked payments over time
Age Pension
Another consideration for retirees thinking about inflation protection is their entitlement to the Age Pension. Around two in three current retirees receive at least a partial Age Pension, and while this is likely to decline, a significant proportion of retirees will continue to receive some Age Pension in the future. The Age Pension provides an income stream that automatically increases with inflation. Over time, it will also increase with real wages growth, but the real wage declines in recent years mean that it is probably still several more years until the Age Pension will increase more than inflation.
The mechanics of the Age Pension indexation can result in retirees receiving a partial Age Pension being over compensated. The full Age Pension payment is indexed and any means-tested amounts are calculated relative to the new full payment. While earned income is likely to increase with inflation, the assets held by an asset-tested pensioner might increase by less than inflation, or even fall. In this case, the proportionate increase in Age Pension payments might be higher than inflation reducing the need to fully protect a retirement portfolio from inflation. This protection is provided only up to the value of the Age Pension. If a retiree has any lifestyle requirements above the safety-net provided by the Age Pension they need to be fully protected against inflation.
Conclusion
Protecting an investment portfolio from inflation can be an important concern for any investor. In retirement, the challenge increases as a retiree needs to protect their income stream to be able to sustain their lifestyle. While some investments can protect against inflation over the long run, market-linked investments don’t necessarily protect an income stream from inflation over the short to medium term. Retirees who want to be able to maintain their lifestyle need the inflation protection that can be provided by a CPIlinked income stream. The Age Pension will deliver some of this for retirees, but those with a lifestyle goal above the Age Pension’s safety net will need an additional source of inflation-protected income.
The information in the report has been compiled by the
Aaron Minney Head of Retirement Income Research
The information in this article is current as at 17 April 2024 unless otherwise specified and is provided by Challenger Life Company Limited ABN 44 072 486 938, AFSL 234670 (Challenger, our, we), the issuer of the Challenger annuities. If you invest in the Flexible Income (Marketlinked payments) or Enhanced Income (Market-linked payments) option, only the first year’s monthly income amount is guaranteed. After the first year, regular payments will index up or down annually so that they adjust with changes in your chosen market-linked payment option. In periods of poor performance, payments can index down below the starting payment. In periods of strong market performance, any Age Pension benefits may reduce to reflect the higher income received. The information in this article is general information only. It is not intended to constitute financial product advice. It has been prepared without taking into account any person’s objectives,financial situation or needs.Each person should, therefore, consider its appropriateness having regard to these matters and the information in the Product Disclosure Statement (PDS) for the relevant product before deciding whether to acquire or continue to hold the product. Any examples are illustrative only and along with statements of opinion, forecasts or predictions based on current expectations; are not a prediction or guarantee of any particular outcome. Past performance is not a reliable indicator of future performance. Actual results may be materially different from those shown. This is because outcomes reflect the assumptions made and may be affected by known or unknown risks and uncertainties that are not able to be presently identified.To the maximum extent permissible under law, neither Challenger nor its related entities, nor any of their directors, employees or agents, accept any liability for any loss or damage in connection with the use of or reliance on all or part of, or any omission inadequacy or inaccuracy in, the information in this article.
Part of the Find Group of Companies
Financial Planning, SMSF, Super, Insurance, Pre-Retirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221). Part of the
Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).
Warren Strybosch
Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd.
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If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au
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.
of the Ads are:
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.
If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au
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.
If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au
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.
If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au
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.
If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findnetwork.com.au
EVERYONE WINS WHEN THEY FUNDRAISE WITH
Find Cards is a fundraising initiative designed to help charities, not-for-profits, schools, and sporting clubs generate much-needed revenue. Proceeds from this initiative will support these organisations, as well as the Find Geelong community paper. Find Cards gives back to the community through special offers, coupon deals, and prize giveaways. If you are a member you can avail all these benefits and everyone wins.
Join us today and start unlocking new funding opportunities for your organisation.
In-Kind Sponsor: Join our new fundraising initiative-free for all organisations, sporting clubs, churches and other organisations. Register as an In-Kind Sponsor to receive funds when members choose to support you.
is a new fundraising initiative that will benefit everyone in the community. For business owners like you, we are offering you FREE Advertising.
