Find Knox - July Edition

Knox The

JULY 2020

WHAT’S INSIDE:

02

COLUMNIST CONTRIBUTOR SECTION

03

LOCAL STORIES

06

COLUMNIST ARTICLES

28

TAX UPDATES

38

KNOX COUNCIL NEWS

42

FIND CACHE

56

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

GOING INTO DEBT TO RENOVATE? The Homebuilder Program

See Full Article Refer To Page 06

PLATINUM SPONSOR

JULY SPONSOR

The Parent Whisperer

Leadership and Parenting Disruptor Lesley-Anne Banton theparentwhisperer1@gmail.com +61432848418

JULY SPONSOR Explore how we can help you achieve your Financial Goals.

Canopy Financial Group Contact Us 0415 658 611 mari@canopyfg.com.au 402/1 Queens Rd Melbourne VIC 3004

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

GLENN MARTIN

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EDITOR | WRITER

SUSAN PIEROTTI

CRAIG ANDERSON MARKETING CONSULTANT

MORTGAGE BROKER

KATHY ISMAIL

MATHEW BENN

REECE DROSCHER

LACTATION CONSULTANT

GARAGE DOORS

EDIBLE BOUQUETS

NEHA NAYYAR SIGNAGES

GENERAL INSURANCE

JOANNA STRYBOSCH

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CHANTAL DJURIC

TK SAUNDERS

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PAINTER

SOLICITOR

ELECTRICIAN

BUILDER

Are you our next solicitor?

Are you our next solicitor?

Are you our next electrician?

Knox

Are you our next builder?

The

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

OUR NEWSPAPER The Find Knox was establish in 2019 for the purpose of bringing together everyone in the community in one place.

Our core focus is the support all the Not-For-Profits in the region by providing NFP’s with FREE advertise and helping them raise funds for their respective organizations. A core of business owners attend the Find Network luncheons held one a month to discuss the paper and how best to make it even better fo the local commnunity. The Find Knox has a strong editorial focus and is financed predominately by the business community.

ALL THINGS KNOX

The City of Knox is a local government area in Victoria, Australia in the eastern suburbs of Melbourne. Knox had a population of approximately 136,230 as at the 2019 Report which includes 13,072 business and close to 59,000 households. The City of Knox was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

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

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

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NEXT ISSUE Next Issue of the Find Knox will be published on Friday, August 7, 2020. Advertising and Editorial copy closes Friday, July 31, 2020.

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Recycling in Knox - It is important to understand the new rules

By Warren Strybosch

With more and more people working from home and China’s ban on foreign waste, local councils have had to change what goes into the ‘blue’ recycle bins. Knox residents will need to relearn what can and cannot be placed into the blue bin.

The aim of the changes is to try and have as many items recycled locally but with limited recycling plants, this has forced more items being dumped into landfill rather than being recycled.

One of the biggest changes that has occurred is with plastics. Going forward, many councils will only allow rigid plastic items and containers to be placed in the blue recycling bins.

All flexible or soft plastics must be placed in the in the green landfill bin.

In the past you would need to refer to certain costs that were placed on the plastic containers as follows: These codes are no longer used as it was very confusing for people to work out what was acceptable or not. Also, not all plastics had codes which caused lots of confusion.

What does Knox not accept in the blue recycle bin: • • • • • • • • • • • • • • • • • •

Batteries Recycling in plastic bags Plastic bags Soft plastic packaging eg. bread bags, chip packets, pasta packets, frozen peas packets Cling wrap Window glass Mirrors Drinking glass Light globes Pyrex Polystyrene Rubber Tissues Nappies Syringes and needles Wood Textiles Appliances / electronic waste

• • • •

Food scraps Green waste Medical, chemical or hazardous waste Waxed or soiled cardboard.

They request that all pyrex, white glass, mirrors, drinking glasses, light globes and ceramics are wrapped in newspaper for safety before being placed into the garbage bin.

Interestingly enough, not many people will have access to newspaper and so the council will have to reconsider how local residents will wrap these items up in the future.

For more Knox Council information related to recycling go to: https://www. knox.vic.gov.au/recycling

Electric Cars Set To Drive Grid Safely

By Katina Curtis, AAp Senior Political Writer (Australian Associated Press)

Electric cars will be used to back up Canberra’s power grid in a nation-first trial.

A fleet of 51 ACT government electric cars are involved in the trial run by the Australian National University, which aims to demonstrate the feasibility of “vehicleto-grid” services.

The cars will be able to feed power from their batteries back into the grid almost instantly when needed to help avoid blackouts.

Lead researcher Bjorn Sturmberg said the idea worked in the lab, but his team needed to show it worked in the real world.

“One EV battery typically contains as much energy as an average household uses over two-to-four days and can react to events in a tenth of a second,” he said on Wednesday.

“If all of Australia’s 19 million vehicles were electric, they would store more energy than five Snowy 2.0s, or over 10,000 Tesla big batteries.”

ACT Advanced Technology Minister Mick Gentleman says if the project is successful, it could be extended to private vehicle owners and lead to people being paid to have their cars feed back into the grid.

The trial is jointly funded but the ACT government and the commonwealth’s Australian Renewable Energy Agency.

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Apprentice wages will get extra subsidies

By Katina Curtis, AAp Senior Political Writer (Australian Associated Press)

The federal government is beefing up its support for training in a bid to equip school leavers and young Australians with the skills the nation will need after the coronavirus pandemic.

It will add $1.5 billion to wage subsidies for apprentices and trainees, expanding the scheme announced in March to cover medium-sized businesses with under 200 employees and extending it for six months, until March 2021.

Assistant training minister Steve Irons said this would dramatically improve the viability of apprenticeships in tens of thousands of businesses across Australia.

The initial program, announced as part of the government’s first tranche of coronavirus economic support, covered half of an apprentice’s wage for nine months until the end of September.

Its expansion gives it the potential to cover more than 91,300 businesses.

Prime Minister Scott Morrison is also offering states a billion-dollar plan to offer free or very low cost short courses to 340,700 school leavers and people looking for work.

The new National Skills Commission will identify which specific skills shortages courses should cover, but they are expected to include areas like health care, transport, manufacturing and retail.

Mr Morrison is backing the plan with $500 million in commonwealth money, to be matched by the states, and has branded it JobTrainer.

The money is an incentive for states to sign up to a revamped agreement on vocational education, which is still being worked out.

It’s understood most were supportive when the idea was discussed at the national cabinet meeting last Friday.

“COVID-19 is unprecedented but I want Australians to be ready for the sorts of jobs that will come as we build back and recover,” Mr Morrison said.

“The jobs and skills we’ll need as we come out of the crisis are not likely to be the same as those that were lost.”

Australia’s recycling industry is on the brink of an overhaul

By Rebecca Gredley (Australian Associated Press)

Australia’s recycling industry is on the brink of an overhaul as the federal government hopes to create more than 10,000 jobs through a $190 million fund.

The Recycling Modernisation Fund aims to generate $600 million in innovative recycling investment, with states and industry to chip in.

Environment Minister Sussan Ley expects the fund to help divert more than 10 million tonnes of waste from landfill to make useful products. “Turning our waste into something that has value is the critical thing here,” she told ABC radio on Monday.

“It starts at the curb – sorting, collecting and clean streams of waste.” About half of Australia’s waste is recovered and the government is aiming for 80 per cent by 2030. Ms Ley concedes plastic is one of the harder materials to recover, while food waste is also a huge issue.

“The trip between your fridge and your bin is probably the one we want to encourage Australians to make less of.” Waste Management and Resource Recovery Association of Australia says more needs to be done to turbo charge recycling, including fast-tracked products, markets for recycled products and more focus on packaging design.

“Genuine product stewardship legislation that makes producers responsible for managing what they bring to market is required,” the group says.

Labor’s Josh Wilson has welcomed the announcement but says it’s long overdue. “Recycling and reprocessing infrastructure is only one part of the major reform needed to deal with Australia’s waste crisis,” he said.

“Recycled material needs a commercial end-user and it is folly to think the market is ready to deal with the anticipated volume.” Greens senator Peter WhishWilson says all the money in the world won’t fix the waste crisis unless people are better at recycling.

“This means stopping the problem at its source: we need to stop producing so much waste and invest in a circular economy.” He says the government should introduce mandatory recycling targets and product stewardship schemes, rather than voluntary.

Ms Ley will introduce legislation to parliament later this year to implement waste export bans, which was supposed to begin this month with glass. Because of coronavirus the export ban will instead begin in January.

Bans on plastic, paper and tyres will be staggered, beginning from July next year through to July 2024.

The minister says the industry will feel more confident to invest when the export bans are in place.

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ACCOUNTANT

By Warren Strybosch

What with low interest rates and the government giving away $25,000, it is tempting to consider renovating your home. The question is, do we go into debt to do it?

Currently, my wife and I are doing some more home renovations. This time it is the bathrooms. The question we face is, do we borrow additional funds, to meet the HomeBuilder requirements and do further renovations? Ideally, we would like more of an open plan kitchen-lounge-dining area. Currently, the lounge and dining areas are separate to the kitchen and when we have people over everyone tends to squeeze around the kitchen bench. Yep, first world problems and with what is happening at the moment it seems selfish to even be talking about it.

What is interesting though is that a lot of people are currently renovating their homes. This is likely because they are not going to be leasing their commercial premises going forward. The world has changed, and the home is going to become a more important place for people to work from.

Our issue is that we bought a very old house that still needs a lot of work done to it. There was so much work needing to be done when we were considering purchasing our home, that our builder friend advised us against it.

Given we are already spending a fair bit on the bathrooms, the question is whether or not we borrow some money to avail ourselves of the $25,000 that is up for grabs from the government? What would you do?

The question is do we qualify? Below are the eligibility criteria to qualify for the program: • •

• •

•

Must be a natural person (not a company or trust), an Australian citizen and over age 18.

You cannot earn more than $125,000 as an individual and/or $200,000 as a couple. It is believed that this will be based on the 2018-19 tax returns.

You must have entered into a building contract of after the 4th of June and before the 31st of December.

You can only have the funds going to a new home construction of up to $750,000 (house and land) and be your principle place of residency or for renovations to your existing residence. Your home cannot be worth more than $1.5 million prior to the renovations beginning.

You cannot be owner builder. The contract must be at arms-length with a registered builder and commence within 3 months of signing the contract.

•

The renovation must for the purpose of improving the principle home e.g. accessibility, safety or liveability. It cannot go towards a pool, tennis court, spa and saunas, sheds or garages. The renovation needs to be within the home or an attachment to the home e.g. extension for that home office.

Are you going to renovate? We would love to hear your stories. Please send your story to editor@findknox.com.au.

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

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5 Common Fears About Writing A Book ACCREDITED EDITOR

By Susan Pierotti

Covid restrictions have provided a unique opportunity to finish that book you’ve been working on. You may have spent years researching, writing, editing and getting others to read drafts. Yet, you still have not finished it. Why not?

Here are five ways to overcome the five most common fears of writing.

Failure Many people are afraid to begin writing because they may not finish it. Start talking about your book. People will ask you, ‘How’s the book going?’, and use their question as a motivator.

You may decide that you don’t have the time or incentive to continue writing any more. That’s not failure – that’s being bold enough to face the truth. Find a writing coach or editor who will collaborate with and encourage you.

What if your book is not a success?

Well, let’s define ‘success’. You’ll have published a book. How many people do you know who have done that in your family, among your friends, in your industry sector?

Time Writing a book takes time – lots and lots and lots of time. However, you can plan your schedule so that the time spent writing is a joy and not a burden.

Take a notebook with you wherever you go. Ten minutes between meetings, a train trip, waiting for friends to show up, are all opportunities to scribble down ideas, a phrase, something to research.

Use your phone to do the same –

download speech recognition software and save the recording to your computer to write up later or employ someone to transcribe and edit it.

out bookmarks, have a copy of your book to sell with you at all times, do a library talk, look for more public speaking engagements – the list is endless.

If you like to be more systematic, set aside half an hour each day to write. All the best authors say that they practise the habit of writing every day. What they write is not all gold, but there are useful nuggets there that can be refined later.

You need to sell it by being able to describe it (without giving away spoiler alerts) in about thirty seconds. You need to show enthusiasm when talking about it.

An organised time to write, or a creative inspirational approach? The choice is yours.

Do an internet search for your target reader. If you liked your story enough to write it and have it published, it’s almost certain that there will be someone else on the globe who wants to read it.

Cost Writing a book costs money if you choose to publish it. Publishing a book (paying for professional editing, publishing/ graphic design, front cover design, index and book printing) will cost several thousands of dollars.

So will an overseas trip, a visit to the dentist for root canal treatment, vet bills for a seriously sick pet or a second-hand car (let alone a new one).

Your book will last longer than these, as it will still be available to be read long after you die.

Don’t think of cost, think of value. A legacy of your thoughts, a thrilling story, a fund of knowledge in your industry is worth a great deal!

No one will read it Good stories always find a reader. Social media, your publisher, your friends and your family will spread the word about you and your book.

Fame Authors can often be scared of fame, as it means publicity, lack of privacy, having to go out to meet and greet strangers and the OMG moment when someone offers you a speaking engagement.

You can choose not to relate to your new-found readers, but that’s not wise.

There are agents and book marketers who can ease you through some of the expectations of being an author.

Many people are available to help you overcome your fears: editors, book marketers, social media marketers and publishers.

Dust off your manuscript and start writing again today!

Contact Susan Pierotti at Creative Text Solutions, susan@creativetext.com.au, for writing, publishing and book marketing advice.

There are plenty or proven marketing options to choose from. Have a book launch, set up a website and blog, hand JULY 2020 | FIND KNOX

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Who wants a holiday from COVID? From 2020?

PARENTING

By Lesley-Anne Banton

It has been a really tough year for most people; from bushfires to COVID to losing jobs, financial strain, remote learning, working from home, being separated from loved ones, to name a few.

Most people need a rest form the constant stress, pressure, uncertainty, and fear. Our travel industry has taken a battering and plans to travel interstate, overseas or visit relatives internationally has had to be paused for now. So, what can we do?

A holiday, even saying the word has a physical reaction.

Holidays serve many purposes, a rest for the everyday stresses of life, a chance to switch off and not have to do anything, an opportunity to recharge and take stock of where you are. They are a opportunity to build life skills for children (and adults), a chance to experience different landscapes, cultures, foods, and histories. Holidays can rest the body, brain, and emotions, they can create many memories and times of connection, they can allow you to be fully present to yourself and where you are geographically. They are goals and destinations you have had on your ‘to be achieved’ list for years. They are a financial goal or a celebration of success.

Why am I listing the obvious when having a holiday seems so far away from ever happening?

Did you notice that you may have drifted off into thought about the places you want to visit or places you have already visited? Did you notice your body changing? Your emotions and brain almost relax? Or you may have noticed that you responded by saying that holidays will not happen for a while, you may have started to become anxious or even angry. Any of these responses are true for you in this moment.

Whichever the response, know that they are all controlled by your thoughts the meaning you give to them. Most people do not know this, most people are unaware that they can choose at any given moment what thoughts they listen to and what thoughts they are going to choose to act on. Most people do not know that most of their thoughts are not true to reality, that most thoughts are the internal meaning we give to our world and lives.

Our brains do not know the difference between thought and reality, our brains do not know the difference between thoughts and imagination. Our brains do not know the difference between imagining the worst-case scenario or actual worst-case scenario happening.

Our brains and bodies respond to whatever we have running through our brains whether we are aware of it or not.

Although nothing beats physically going away on holiday, however it is possible to almost create the same feeling, emotions, and mindset just by thinking about it, visualising it, putting yourself there.

Why would we do this?

Watch your child when they are immersed in imaginary play? Their smile, their joy, their expressions, and narration, you can almost envision what is being played out in their heads, in their imagination. Their brain can really see and experience everything the child is creating in their brain. Children are so good at reminding us how to take life lightly and how we can choose to experience happiness and joy, even if things around are not so great.

By having (virtual) holidays at home, with your child/ family on you can create moments of fun, joy, happiness, connection, and escapism. You can open dialog and get a deeper look into how they see the world. They can give you moments free from the fear and stress of current circumstances. It helps support with your child’s development on many levels, it helps connection and communication between you and your child. Being immersed in play, imagination and fun can help your own mental health and wellbeing. It can create future family goals and expand understanding of the world.

So how can you have a holiday at home?

There are many ways, and most can be done on any budget all you need is your imagination.

Have family discussions about where in the world you would like to explore, go to, experience and why?

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The internet is a good source, look up maps, flags, cultural dishes, popular tourist attractions, languages, dress. A popular site, YouTube, has walking tours and aerial tours of many attractions around the world, tutorials on basic use of different languages.

You could cook dishes from the area you have chosen, chose an area in the home that is going to be your holiday area, using house hold materials to dress it the best you can, making flags, drawing tourist attractions. Using soundtracks that represents the area you are visiting.

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Dressing up as you would on holiday or wear local dress to the area you are visiting. Pretend your sitting area is your car, caravan, plane, or boat to get you to your holiday destination.

Then all that’s left to do is disengage from the outside world and have your holiday at home, let your imagination take you there, if you struggle allow your child to lead the way, take photos and videos, capture the moments and dialogue that you share in this moment of escapism, Allow yourself the freedom from worry and immerse in imagination, happiness and joy.

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Lesley-Anne Banton Leadership and Parenting Disruptor and Coach.

The Parent Whisperer 0432 848 418 www.theparentwhisperer.com.au

Don’t Tick and Flick GENERAL INSURANCE

By Craig Anderson

Many of the risks your business will face in its daily operation will be self-generated.

That is to say that the activities you can undertake in the course of providing services or advice to your customers are not without a risk of creating a physical loss through damage, or a purely financial loss through failure to provide correct advice. This is of course a very basic over-simplified description of what can occur, but the reason for pointing this out is that management of risk can be relatively simple and will lessen the chances of a loss occurring.

We’re all familiar with OH&S these days, and the associated work practices in many cases are now deeply enough ingrained to be second nature.

Workplace injuries whilst not eliminated are far less common, but insurance claims related to simple and avoidable errors which aren’t related to injuries, seem to be as plentiful as ever. So what can you do to lessen your chances of an avoidable claim?

The answer is as predictable as it is unexciting, but simple beyond words: Write down a procedure for each activity, and then look for all of the ways in which it can go wrong. Putting each action “under the microscope” can help find the flaws in an activity. You can then alter the activity to remove the risky portion or action, saving you stress and cost, and protecting your reputation.

Obvious things like ringing “Dial before you dig” prior to starting excavation may seem like a “no-brainer” however I’m

still surprised by how often it isn’t done, and also how little information may be available in some older areas if you do call. Calling in a plumber with the right detection equipment to find water and gas pipes hiding underground on site when not shown on plans can save serious damage occurring and costs piling up.

Making sure procedures are sound, and that they’re followed by staff, is a relatively inexpensive way of making the avoidance of risk “second nature” after enough repetition. So manage out as much of the risk as you can, and review your cover regularly, because not all risk can be managed away.

Your broker can help you evaluate your exposure to risk and offer solutions you might not have considered. Better to gain the knowledge now than to be “wise after the event”.

As always, any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives, needs and financial situation).

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

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The Quality-Time-Cost Triangle of Building a Home playing sport, you will need durable materials and lots of space but probably won’t need copper finishes, lead lighting or a slate kitchen bench. You may be empty nesters who like to travel around; if you’re not living at home for six months of the year, you also can save on finish detail costs.

ARCHITECT

By Kathy Ismail

Talk to anyone in the construction industry and they’ll have a lot of things to say about the the old adage of project management quality versus time versus cost.

There are other scenarios to think about.

You may have to budget for the rental payments of a place to stay in while you’re getting your beautiful new house done. Perhaps you have a baby on the way and you need to move (or extend) pretty soon! (It has been said that the arrival of a new family member usually triggers a renovation.) Your building site could potentially be contaminated so there will be more costs associated with soil removing and getting permissions to build.

It is a triple constraint because one can’t simply achieve all three. Many people think that these three items could fulfil part of the brief but in reality the scope of works will usually determine the outcome, usually only two for any given scope of work. Let me explain…

Time If you want good quality work for a cheap price, then your building project could take longer than you have planned for.

This is evident especially in quality work done by a single craftsman. He or she will probably take care in getting everything just right, but they just won’t have the manpower or resources or hours in the day to complete your project quickly.

Compare this to a beautiful shiny prefabricated building. Installing pre-fab will certainly save you time – for instance, there will be fewer chances of being affected by weather-related delays – but you will pay a premium for your piece of mind. Even then, I have found that building a concrete basement can be delayed over the spring season, as October traditionally is Melbourne’s wettest month.

Quality Let me give you one example of quality – those beautiful copper lining details.

Copper is a respected material building in the industry because of its durability, corrosion resistance, light weight (one quarter of the weight of tiles on a roof) and its ability to form complex shapes.

It is also long-lasting: one cathedral in Europe still has its copper roof which was installed in 1280! The famous American architect, Frank Lloyd Wright, insisted on copper being applied to all his building projects. Today’s architects like using copper for such features as roofing systems, flashing and copings, rain gutters and downpipes, expansion joints and wall cladding. It is antimicrobial (a distinct consideration in Covid times) and its wide colour range (from iridescent russets to chocolates to greens) is aesthetically pleasing.

I think it is important to note that the only real answer to solving the quality-timecost triangle is to assess your current situation. Each person’s circumstance is different.

So, why wouldn’t you want some of this amazing metal to add prestigious attraction to your home? Well, not only could the cost of the material be extremely high but it would require a skilled craftsperson to be able to fashion the soft metal with precision to successfully get it to look just right.

Another factor to consider is copper’s porosity, its ability to let moisture in.

You might have to double-think about choosing copper over another type of metal finishing, especially if you wanted your gutters and roof linings fitted out in copper.

Contact Kir Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We have a questionnaire that could potentially help you in narrowing down your ideas for your next dream home. We are always happy to answer any inquiries.

Basically, quality materials and finishes aren’t cheap, so you can’t save on money and have this sort of quality as well.

Cost Everyone wants everything for cheap, and we all love a bargain, but you definitely get what you pay for. However, do you really want the latest dream home seen on TV or an architecture award winning design? You can still acquire a beautiful home that’s liveable that’s not top dollar.

Think about the function of your home – how many people will be living there and what they will be doing. If you have a family of teenage boys who love

Kathy Ismail ARCHITECT www.kirarachitecture.com 0422 026 962

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What’s next in virus payments, JobTweaker?

By Daniel McCulloch and Colin Brinsden

Australians have been offered JobSeeker and JobKeeper payments during the coronavirus crisis.

So what’s next, JobTweaker perhaps?

Chris Richardson from Deloitte Access Economics has issued a fresh warning about withdrawing pandemic supports too soon. Mr Richardson specifically argued for JobSeeker unemployment benefits to remain above their precoronavirus rates.

Victoria was poised to cop the biggest economic hit from the coronavirus pandemic even before a dramatic spike in infections forced renewed shutdowns across large parts of Melbourne.

The state is now bracing for another devastating blow as its border with NSW is closed. Mr Richardson believes government support will be needed for quite some time, as the country recovers from the worst downturn since the Great Depression.

“More dollars are needed,” he said on Monday. “How much more depends on our success against the virus and in opening up. But the recession is changing shape fast, so the nature, timing and dollars of support needs to change fast.”

Treasurer Josh Frydenberg will reveal the outcomes of a review into JobKeeper and JobSeeker payments on July 23.

He is not giving much detail away before then. “We’re going to continue to provide the support that is necessary for those sectors and for those people who need it,” Mr Frydenberg told reporters in Canberra. “We’ll continue to look for sector-specific support as well as economy-wide support.”

Mr Richardson believes wage subsidies will be needed beyond the September expiry date. He suggested limiting the payments to a smaller range of businesses – such as those tied to international borders – and reducing the amount of the benefit, labelling his proposal as “JobTweaker”.

He also argues for keeping the JobSeeker unemployment benefit “stronger for longer”. Shadow treasurer Jim Chalmers says millions of workers and thousands of businesses are anxious about being left behind in Australia’s first recession in three decades.

Mr Richardson says Australia’s relative success in fighting the virus gives it more flexibility to open up the economy. He said many of Australia’s key trading

“So the recession may well have already passed its worst,” he said.

“Even so, families are struggling with the toxic trio of high debt, high unemployment and low confidence. The ranks of the unemployed will be badly swollen for a while.” Deloitte expects the unemployment rate to be 8.2 per cent for the 2020/21 financial year, the equivalent of over 1.1 million people being out of work.

The advisory group does not expect the rate to return to pre-coronavirus levels until 2023/24.

Wage growth is expected to lag behind inflation out to 2024/25, while full-time employment will grow slower than parttime jobs.

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ATTENTION FIRST HOME BUYERS - First Home Loan Deposit Scheme New Places Available MORTGAGE BROKERING

By Reece Droscher

In February I wrote about the launch of the Federal Government’s First Home Loan Deposit Scheme, a program designed to support eligible first home buyers, who have managed to save a 5% deposit, buy a home sooner. The scheme proved to have a great take-up rate, with the initial 10,000 places fully subscribed, meaning a significant number of first home buyers have now been able to achieve their dream of home ownership.

On July 1st the Government released a further 10,000 places in the scheme which are now available to be taken up.

The scheme is managed by the National Housing Finance and Investment Corporation (NHFIC) and allows first home buyers, who have to meet certain eligibility criteria, to purchase a home with only a 5% deposit required. They are able to avoid having to pay the additional cost of mortgage insurance, normally required for any loan where the borrower is unable to contribute a 20% deposit, which saves them a significant amount of money that would otherwise be incurred.

To be eligible a first home buyer applying as a single applicant cannot earn more than $125,000, a couple no more than $200,000 combined, and the purchase price must not exceed $600,000.

If you are eligible to participate you will need to be quick to reserve your place before the allocation is fully exhausted.

As part of the process you will have to ensure your tax return is completed for the 2019/20 financial year, so please get your return completed as soon as possible. The NHFIC won’t reserve your place in the scheme without this step being completed as they will require a copy of your Tax Assessment Notice to determine your eligibility.

For more information regarding the FHLDS and to confirm your eligibility please contact our office directly, or you can log in to the FHLDS website https:// www.nhfic.gov.au/what-we-do/fhlds/

Reece Droscher Managing Director of SHL Finance Pty Ltd 0478 021 757 reece@shlfinance.com.au

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Manufacturing slowly recovers in June

By Rebecca Gredley & Finbar O’Mallon (Australian Associated Press)

Charities fear they will become “ambulances at the bottom of the cliff” if coronavirus payments are cut off too soon.

The sector has seen a massive spike in demand during the pandemic, which followed the devastating summer bushfire crisis.

Demand at Foodbank Australia has spiked by 78 per cent in recent months, with the organisation now feeding 1.4 million people.

“We have a very real concern that we are not yet at the peak of food relief demand,” chief executive Brianna Casey told a federal parliamentary inquiry on Wednesday.

Ms Casey said panic buying had severely impacted Foodbank’s ability to feed vulnerable Australians.

She is also concerned about what will happen when the JobKeeper and JobSeeker support packages end in September.Foodbank’s concerns were echoed by UnitingCare Australia, St Vincent de Paul and the Australian Red Cross.

“We don’t want to be the fleet of ambulances waiting at the bottom of that cliff,” UnitingCare national director Claerwen Little told the inquiry.

“We want to be part of the team of construction workers building a fence at the top.” Vinnies has seen reduced demand during the pandemic from its usual clients.

Chief executive Toby O’Connor puts that down to social restrictions, fears about catching coronavirus and temporarily increased welfare payments. But Vinnies has seen increased demand from new clients, including asylum seekers, international students and casual workers.

Mr O’Connor wants JobSeeker unemployment benefit payments to be permanently increased and has called on the federal government to develop a national social housing strategy. Red Cross Australia director Noel Clement said his organisation had seen a massive rise in demand for help from temporary visa holders. “We provided support to about 14,000 people over recent months compared to less than 1000 this time last year,” he said.

A recent report found the coronavirus pandemic could force about one in six Australian charities to shut their doors within six months, leaving vulnerable people without vital services.

The pandemic could also prompt the loss of 200,000 jobs as the $155 billion sector cuts costs and charities close.

In April, the Morrison government announced an immediate $100 million funding injection for more than 300 charities and community organisations.

Families and Social Services Minister Anne Ruston said at the time a further $100 million would be allocated over the next six months as needed.

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5 Things To Consider When Purchasing Business Signs SIGNAGES

By Glenn Martin

Business signs may seem like a straightforward idea at first, but the job they hold is an important one.

The purpose of business signs is to communicate what your business is about, in a short, effective, and concise message.

Business Signs Are the First Point of Contact for your Customers This is why, at Signarama Mitcham, we have composed this article, to inform those who are looking to design and create a business sign.

Location The first thing to consider is where the sign is going to be located. If your sign is going to be placed on a busy high street, you will want to make sure it stands out. A small sign is less likely to be seen in this context, and something that blends into the scenery is also going to be less effective.

Contrast You may notice that road signs use strong contrasting colours for background and text – black and yellow, white and red, or even simply black and white for example. This is a good idea for business signs also. You can create a convoluted design, but if no-one notices it in the first place, it is simply wasted effort.

Should Business Signs be Simple or Complex?

Your sign should be all about the message you want to get across, and the design should reflect this. Whether to go with a simple design – two colours, text, and a logo, or a more complicated one – characters, multiple colours, an entire scene etc, is an important question.

A short and snappy tagline may be enough to capture your business, or maybe more detail is necessary.

grooming company will want to look fun and approachable and will probably go with a more informal or even cartoonish design, whereas, a solicitor would want to appear professional, and likely use a formal and sleek design.

Size Size is also something that must be considered when you are designing business signs. If people are going to be looking at your shop from a distance, say as they drive past on a busy highway, a big sign will be necessary so they can read it. However, if people are going to be walking down the main street as they look at your shop, a smaller sign would have more effect.

Quality

Customer The customer should be at the core of whatever you do, whether you work in B2C or B2B. Consider how signs for different industries look – a dog

Use business signs to capture your business philosophy and showcase the standards of your business to your audience. Another fantastic method of designing great quality signs, is to make

sure to only use experienced sign specialists that guarantee the quality of the materials they use.

Visit our website www.signarama.com. au/store/mitcham or for a FREE, expert sign consultation contact Glenn and the team at Signarama Mitcham. They can advise the best sign solution to meet your needs. If you need signage or want to chat to our team of signage experts about solutions for your business, call us today.

We are here to help grow your business.

Glenn Martin 0411 835 668 Glenn.mitcham@signarama.com.au

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GROWTH CHARTS

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LACTATION CONSULTANT

By Dr. Joanna Strybosch

Parents are often worried that their baby isn’t growing fast enough. There are several ways to know whether a baby is in fact growing at a normal and healthy rate. Usually all is well if baby: • • • • • •

has 5+ very wet nappies per 24 hours does clear to pale yellow wee has soft poos has good skin colour and muscle tone is meeting their developmental milestones is growing in weight, length and head circumference

After birth, it is considered normal for a baby to lose 7-10% of their birth weight, which they usually re-gain within the first two weeks. Most babies double their birth weight by 4 months of age and triple it by 13 months (for boys) or by 15 months (for girls). Sometimes a newborn baby will have an artificially elevated birth weight if the mother was given intravenous fluids (“the drip”) during the birth process. This extra fluid can pass through the placenta to her baby, thus baby is said to have extra fluid on board after birth. This is quickly flushed out as baby wees, and hence can give rise to a bigger drop in weight in the postnatal period.

After birth, and then at regular intervals, your baby will be weighed and measured by your health care professional, and these measurements graphed on infant growth charts. The World Health Organisation’s charts are most often used and are based on healthy, exclusively breastfed babies from six countries across five continents.

These growth charts give parents and health professionals a clear visual on

baby’s growth rates. For example, baby’s weight can be plotted against a weigh-for-age chart. It is the pattern of growth over time, rather than a single measurement, that is most important.

How to interpret a Growth Chart?

• •

• • •

Remember, babies come in all shapes and sizes, just like adults.

It is important to remember, that the 50th percentile is an average, not a “pass”! That means that 50 percent of the healthy population at that age is above the line and 50 percent is below it.

3% of babies will be below the 3rd percentile line and 3% of babies will be above the 97th percentile line.

15% of babies will be below the 15th percentile line and 15% of babies will be above the 85th percentile line.

3 in every 100 babies will weigh less than the 3rd percentile, and often this is because both parents are petite.

Some studies have suggested that bigger babies tend to put on weight more slowly in the first 6 months, while smaller babies put on weight more quickly. Nor is it unusual for babies to cross 2 percentile lines (up or down) in the first 6 months of age. However, if a baby has persistently low weight gains with a pattern of dropping percentiles faster than expected, seek advice from a International Board Certified Lactation Consultant (IBCLC) who can advise you if a medical check up is recommended.

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

Lactation Consultant 9876 3011 https://www.childrensosteopathiccentre.com/

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Importance of having a budget for new financial year BOOKKEEPER

By Neha Nayyar

After the end of a financial year craziness begins to wear off it’s time to sit down and review your business. It’s time to ask yourself, was this year successful? Have I increased my profitability? Am I in debt?

How do I ensure my business is more successful next financial year? Well, we’re here to tell you it all boils down to setting a realistic budget for your business.

Here are our top tips to get you started: 1. Start somewhere - Whether this is your first or your fifth year setting a budget, every business needs to start somewhere. Budgets allow business owners the ability to hone in on cashflow, reduce expenses, and increase profitability. Having a budget will improve your overall financial control over the business.

2. Use historical trends - Review your books from previous years to determine any trends in your spending or earnings. Maybe you discover that you’re constantly in debt at the end of the year or that suppliers are constantly chasing you up for outstanding payments every month? If you found yourself in debt at the end of the financial year then setting a budget is especially important in working your way out of debt or continuing to be debt free.

We all know that history doesn’t write itself, acknowledging the historical trends in your business helps you identify the problem areas and allows you the opportunity to rewrite your spending future. Reviewing this data enables you to make informed, educated decisions and realistic plans for your short and long term budget goals.

3. Get technical - Review your financials in a profit and loss format.

The profit and loss statement will summarize the revenues, costs and expenses for a specific period. To put it simply, a profit and loss report shows you the true profitably of your business and will enable you to plan your budget more accurately.

4. Plan big picture - Where do you see your business in the next 1, 3, or 5 years? Imagine it, plan it, write it down and then break it down. Now that you’ve got your eye on the prize, the question is how do you get there?

Break your yearly goals down month by month. Tightening the budget down to months reduces the risk of overspending and over projecting profitability.

5. Make it accessible - Once you’ve finalised your budget it’s time to enter it into your accounting software. Putting the budget into an easily accessed software helps keep it manageable and helps keep you accountable. We personally love using the Xero Budget Manager for our business budget.

6. Cater for the unknown Pandemic - Always have a provision in your budget for Pandemic. Once you have that in your plan and budget nothing can keep you away from having a successful business even in trying times.

Need help reviewing or establishing your budget! We’re here to help!! We at Sum and Substance work closely with businesses helping them set budgets and plan their financials for the year ahead.

So, let’s ensure this financial year is your most successful yet! Please contact us if you’d like to hear more information about the importance of having a budget in your business. We can be reached at (03) 9424 9447 or info@sumsubstance. com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Director, CPA and BAS Agent www.sumsubstance.com.au 401 409 573

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Annnd we are back in Iso EDIBLE BOUQUETS

By Tk Saunders

Sadly a lot of Victorians are back in isolation due to covid trying to get one up on us again.

Well it’s not going to happen, come on all Victorians we got this!

Here at bliss bouquets we are always pleased to help, this last month we have had a very, very special order ( we think all of our orders are special but this really pulled at the heart strings) We had a lovely lady call and tell us she was ever so sorry for the late notice, could we possibly help as her parents were getting ready to celebrate their 50th wedding anniversary, in 4 days, now l can tell you 4 days is a huge deal of notice and I breathed a massive sigh of relief as I thought she was going to want it that day … phew!

So any way this lovely family were all meant to be on a cruise to celebrate this golden anniversary, parents, kids, grand kids, the out of state kids, a massive family affair sounds like heaven right?

But wait ,,,,,, it was all cancelled due to covid, so this lady was hoping to make the day a little extra special, she ordered a large death by chocolate bouquet for her chocolate loving mother and a specially designed meat and cheese bouquet with fruit and chocolate dipped strawberries for her dad.

Let’s start with the death by chocolate bouquet, we added gold, lots and lots of edible gold and gold leaf and as it was for such a big occasion,,,, chocolate lots and lots of chocolate so much chocolate that we now have an XL death by chocolate in our collection!

Now we move onto dad, he loves his meat and cheese but kinda needs to watch what he eats,, no problem let’s add fruit and of course we have to have a little chocolate (and come on it’s a very special occasion) And they say dark chocolate is good for you right?

So dark chocolate dipped strawberries it is! So this little (actually huge!) ripper ended up having , Salami, kabana, prosciutto, brie, baby bells, wasabi peas,

pistachios, olives, dried apricots and twiggy sticks,, then we start adding fruit! It also had an orange, mandarins, kiwifruit, banana, a couple of baby apples and of course the healthy Dark chocolate dipped strawberries that we also put edible gold leaf on!

No matter what the occasion, we have a bouquet or we will design and make one!

We then wrapped both and added black and gold paper and ribbons.

Bliss Bouquets the flavour of extraordinary!

Until next month, as always, stay safe, stay cool and eat chocolate. much love Tk and Marie.

Both bouquets were epic even if I do say so myself.

So as we shiver through the cold and some of us have to enter isolation again, please remember Bliss Bouquets is still here, we are still delivering. Our favourite thing to do is add a little something extra to make your special occasion that little bit more special.

If we don’t have exactly what you want?

We can make it! I love a challenge, I am currently working on a gluten, dairy and fructose free bouquet for a lady to give to her best friend!

Tk Saunders ---- Edible Bouquets ---

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MARKETING

By Matthew Benn

Business stability and sustainability are on the minds of every business owner; and rightly so.

As a business owner we both know the frustrations and fear of not knowing what’s going to happen in the near future.

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Simply by setting up a process whereby people who need this solution can find it, buy it and feel like they have received value in the exchange for the solution to their problem.

2. Know your target customer This is slightly more difficult but along the same lines as the above point.

Summary

The people who purchase your solution have a very specific need and usually are not unique in having that need.

1.

2.

3.

Find the uniqueness of that need and why they need it and you will start to find more people who have that need.

Know your purpose Know your target customer Build an excellent process

I believe the #1 reason why businesses haven’t survived the last few months is simply because the model was not sustainable.

While this is most likely a very sore spot for most business owners – this needs to be considered now more than ever.

Business Growth Simplified 1. Know your purpose in business (solution to a problem) The purpose of all successful businesses is to: Solve their customers major issue!

How do you make a solution to a problem…into a successful business?

If you are unsure of the uniqueness of your target customer, social media platforms such as Facebook and LinkedIn have fantastic demographic classification tools.

Process will enable all staff in the business to align their specific tasks with the companies vision and purpose. As simple as that sounds, it is the key.

Simplifying every department into processes will allow all the tasks to become easily remembered and none to be missed.

Missing steps is one of the many problems that occur when there are not documented processes in place for all tasks to fall under in a business.

Call now or drop us an email to schedule your no obligation free chat to start the growth plan for your business… Business Growth Simplified is our motto

These tools help you to filter on a wide range of demographic particulars; allowing advertisers to target and focus their advertisements on very specific types of people and also test “who” is your perfect target customer.

“3. Make an excellent process” to fulfil the purpose (product / service delivery procedure) Simplicity is the key and Process is King.

Matthew Benn Marketing Consultant www.abcselling.com.au 402 507 394

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Eliminating virus would crush economy: PM Daniel McCulloch (Australian Associated Press)

Scott Morrison has warned attempting to eliminate the coronavirus would destroy the Australian economy.

The prime minister is instead persevering with a suppression strategy, as authorities attempt to tame rising infection rates in Victoria and NSW. Mr Morrison says the strategy relies on the strength of state and territory health systems, and their ability to track and trace coronavirus cases, along with adherence to social distancing rules.

“You don’t just shut the country down because that is not sustainable,” he told Triple M on Wednesday.

“You would be doubling unemployment, potentially, and even worse. The cure would be worse than what arguably wouldn’t be delivered anyway.”

Mr Morrison pointed out an ongoing Victorian outbreak, which has claimed several lives, was sparked by a quarantine breach.

“Unless we’re going to not allow any freight or any medical supplies into Australia, or not allow any exports or anything like this, there is always going to be a connection between Australia and the rest of the world,” he said.

“The right strategy is the one that we have all together been pursuing as a country, and the national cabinet has been very important to ensure everyone is moving in the same direction.”

The prime minister confirmed a NSW coronavirus cluster, which has triggered a backlash in Queensland and South Australia, came from Victoria. He also backed Victorian Premier Daniel Andrews’ consideration of more severe lockdowns across Melbourne.

“He’s not ruling anything out, which is understandable in the circumstances,” Mr Morrison said.

The outbreak in Victoria continues to climb, with 238 new cases recorded on Wednesday. A woman in her 90s died overnight, taking the state toll to 27.

Health authorities are concerned that more than a quarter of people who have been hospitalised with the virus are in intensive care, with dozens needing ventilators in Victoria.

In NSW, there are now 30 cases linked to a pub in southwest Sydney, prompting the restrictions on gatherings at licensed venues to be tightened again.

Anyone who attended the Crossroads Hotels in Casula between July 3 and 10 must get tested for coronavirus and selfisolate for 14 days even if the result is negative.

Queensland has added the NSW cities of Campbelltown and Liverpool to its list of coronavirus hotspots, meaning anyone from there must spend 14 days in hotel quarantine if they want to enter the northern state.

Federal Health Minister Greg Hunt has warned there will be more deaths from coronavirus.

“I think if we are honest, there will be more lives lost. There will be more people admitted to ICU and more on ventilation,” he told the Nine Network.

Mr Hunt told the ABC that Australia would have to cut itself off from the outside world if it hoped to eliminate the coronavirus.

“That would mean obviously no gatherings, no protests, no trade, no returnees from overseas, no family reunions.”

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Lack of Internet Leaving Students Behind

By Katina Curtis, AAP Senior Political Writer (Australian Associated Press)

New research prompted by the coronavirus pandemic has highlighted the serious digital gap faced by many school students from poorer families.

Union federal president Correna Haythorpe says this highlights the deep inequality students from disadvantaged backgrounds face.

Internet connection was vital for students learning from home during COVID-19 restrictions.

“This must be a wakeup call for the federal government about the urgent need to close the persistent long-term gap in internet access, affordability of IT hardware and software,” she said on Wednesday.

But new research commissioned by the Australian Education Union finds public school students were 2.5 times more likely than their private schools peers to have no home internet access.

About 125,000 public school students had no internet at home, even through a mobile or gaming device, the report by researcher Barbara Preston found.

by the disruption to regular schooling as states closed schools and required students to learn from home.

Victoria University’s Stephen Lamb said unequal internet access was just the tip of the iceberg in terms of the challenges some children faced in doing schooling online, and that virtual learning was less effective than face-to-face.

“In 2020, it is a shameful indictment on the Morrison government that any child does not have access to the internet, the digital resources and support needed to ensure they can achieve their full potential in school.”

Nine times as many students from the nation’s poorest families had no internet access than those from the richest families.

The union wants the government to do a “digital equity” audit of what resources and hardware students can access and the impact on those who lack an internet connection.

One in eight students in remote areas had no internet at home, as did a third of those living in very remote areas.

Research done for the federal education department in April found poorer children were most likely to be impacted

Call to Overhaul Job Haunting Requirements

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Drought-proof cash for farm business plans Matt Coughlan

Farmers’ financial skills and drought research will receive a boost through a $3.9 billion fund designed to prepare Australia for future crippling dry spells.

Almost $90 million from the first annual $100 million Future Drought Fund payout has been allocated across a range of drought-proofing programs.

A $20 million program will help farmers develop and improve detailed business plans. Agriculture David Littleproud says the scheme was designed to do more than put together a budget.

“This is about risk management tools, about understanding how you can hedge your products in international markets,” he told ABC television on Wednesday.

Farmers will get improved climate data to guide decision-making through a $10 million boost for digital information services. National Farmers’ Federation president Fiona Simson welcomed the focus on managing financial and climatic risks.“As a nation, we have not yet got drought preparation, management and recovery right but today represents a landmark step towards significant

improvement,” she said on Wednesday.

More than $20 million will be spent on drought research while $15 million will be funnelled towards natural resource management.

Alliances of local councils will be able to share in $10 million to develop regional drought plans. “These programs will give farmers and communities the tools they need

to prepare for, manage and sustain their livelihoods during droughts,” Mr Littleproud said. Labor has previously criticised the fund for spending just $100 million a year from 2020 despite being first announced at the height of the drought in 2018. The Future Drought Fund is expected to rise from an initial $3.9 billion to $5 billion in 2028/29.

Overseas travel recovery ‘years away’ Christine Flatley

The head of Flight Centre has warned it could be three years before international travel returns to pre-coronavirus levels.

Graham ‘Skroo’ Turner says government policy around COVID-19 restrictions will determine how quickly the domestic industry bounces back, but those eyeing an overseas holiday will likely wait a lot longer.

“It’s really up to the government on this sort of thing, and if they ease restrictions it will come back fairly quickly,” he told ABC radio on Wednesday. “Maybe 18 months to two years (international travel) might be back to 70 per cent, but it’ll probably be three years before it’s back to pre-COVID levels.”

Mr Turner said the current policy requiring any returning international travellers to self-fund a two-week quarantine period in a hotel is a major deterrent.

He said other protocols – such as pretesting travellers and then re-testing them upon entry into Australia – could be put in place instead.

“I think the protocols, pretty soon, will be to the stage where it will be probably nearly as safe as a two-week quarantine in a hotel,” he said.

Flight Centre has stood down around 16,000 staff globally since the pandemic emerged at the start of the year.

Other major tourism players, such as Virgin and Qantas, have also been forced to shed thousands of staff as flights are grounded.

Mr Turner called on the federal government to either continue the JobKeeper wage subsidy program for the industry, or to implement a new scheme to help keep it afloat.

“I think it will be necessary, not just for travel, but for airlines and all tourism operators… otherwise hundreds of thousands of jobs are going to be permanently lost for sure.”

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ATO: Check the answer to our most commonly asked questions about COVID-19

By Australian Taxation Office

We are experiencing a high numbers of calls, resulting in long wait times.

To save time, check the answers to our most commonly asked questions about JobKeeper, early release of super and cash flow boost.

We are working hard to help people understand and access the government’s COVID-19 economic assistance measures.

If you make a genuine mistake we will help you resolve it.

Skip to: • • •

JobKeeper Early release of super Cash flow boost

JobKeeper What do I need to do to receive JobKeeper payments?

You need to identify your eligible employees through your STP enabled software (step 2) by 31 May (6pm EST).

For further information visit ato.gov. au/jobkeeperguides or contact your registered tax or BAS agent if they helped you enrol.

When do I need to complete the monthly declaration?

If you have already completed Step 2, you need to make a business monthly declaration from 1 June to reconfirm that you want to keep participating in the JobKeeper program.

When will I receive the payment?

On average most payments issue within five business days from when your submit your application form (when you identify and maintain your employees). However, it may take longer if there are additional checks required or any errors made on your form.

My employer has asked me to work more hours, do I need to?

At least $1,500 (before tax) a fortnight must be paid to eligible employees, this amount does not change based on the amount of hours you work. You need to contact the Fair Work Ombudsman to discuss conditions relating specifically to your employment.

Early release of super I am not an Australian citizen, am I eligible for an early release of my super due to COVID-19?

`If you’re a temporary resident, you may be able to apply this financial year (before 30 June) only, if you are in one of the following circumstances: •

•

•

You hold a student visa that you have held for 12 months or more and you are unable to meet immediate living expenses.

You are a temporary skilled work visa holder and still employed but unable to meet immediate living expenses.

You are a temporary resident visa holder (excluding student or skilled worker visas) and you cannot meet immediate living expenses.

Eligible Australian and New Zealand citizens and permanent residents can apply to access up to: • •

$10,000 of super until 30 June 2020 a further $10,000 from 1 July 2020 until 24 September 2020.

How do I apply for a second early release of super payment?

You will need to lodge a new application next financial year to receive a second COVID-19 early release of super payment of up to $10,000. Applications will open on 1 July 2020 and close on 24 September 2020.

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When will I receive the early access payment from my super fund?

Am I eligible to receive the cash flow boost?

when you lodge your March 2020 monthly or quarterly activity statement.

If your early access to super due to COVID-19 has been approved, your super fund should make the payment to you within the next 5 working days, unless they need to undertake further checks.

For more information see our COVID-19 early release of super page.

There is a list of eligibility criteria you will need to meet to get the cash flow boost.

For more information see Eligibility.

How it works:

Why is my super balance on myGov less than I thought? myGov displays the latest information that your super fund transmitted to us, so it is as at 30 June 2019 for most funds. Refer to your most recent Super statement or contact your super fund for more recent figures.

Can I access ATO-held super?

ATO-held super cannot be accessed through the early release of super program.

Cash flow boost

When will I receive my cash flow boost?

The credit is used to reduce your liabilities (for example, PAYG(W) and GST payable) from the activity statement.

The cash flow boost is not a cash payment. If you are eligible, the cash flow boost will be applied as a credit when you lodge your March 2020 monthly or quarterly activity statement.

The credit is used to reduce your liabilities (for example, PAYG(W) and GST payable) from the activity statement. If your liabilities are less than the cash flow boost, the remaining credit is refunded to you within 14 days.

If your liabilities are less than the cash flow boost, the remaining credit is refunded to you.

I thought I was getting a $10,000 cash boost but I received less

If your question is not answered here, you can also visit ATO CommunityExternal Link, which is available 24/7 with questions, answers and regular updates.

The cash flow boost is not a cash payment. If you are eligible, a minimum of $10,000 will be applied as a credit

Excess credits will not be offset against other existing tax debts.

For more information you can visit our Boosting cash flow for employers page.

My question is not here

Questions updated on 28 May 2020 based on available call data.

Business groups seek ongoing virus support

By Matt Coughlan

Influential business groups have called for wage subsidies to be extended across targeted sectors beyond the September cut-off.

The Australian Chamber of Commerce and Industry wants the federal government to keep JobKeeper going for tourism and events businesses feeling ongoing pain.

“Although the unemployment figures released last week are alarming, they would have been undoubtedly worse without JobKeeper in place,” ACCI chief executive James Pearson told a Senate hearing on Wednesday.

The scheme gives eligible businesses $1500 a fortnight to pass on to workers to keep them linked to jobs during the coronavirus pandemic.

The Business Council of Australia believes a targeted stepping down of JobKeeper is needed for sectors being hurt by restrictions after September.

BCA chief executive Tim Reed said all businesses should be forced to requalify for the test around falls in revenue. He also wants a review of workers receiving more through subsidies than their ordinary wage.

“We think a very targeted stepping down of the program is warranted,” Mr Reed said.

Mr Pearson said a program giving employers a 50 per cent wage subsidy for apprentices and trainees should also be extended beyond September.

Australian Industry Group chief executive Innes Willox said there was still time to assess the need for further changes to JobKeeper, which is being reviewed.

“A lot of businesses have their eye very firmly on the end of September, a period which we perceive to be the next time of great risk,” he told the coronavirus response inquiry.

He said businesses would need support and advice to manage cashflow once the wage subsidy payments stopped.

“For a lot of small businesses, to have that rug pulled from under them or that support pulled from under them will be quite devastating,” Mr Willox said.

The powerful business lobby groups have advised government throughout the coronavirus crisis. Mr Willox said the JobSeeker unemployment payment – boosted to $1100 a fortnight during

the crisis – could not go back to its old rate of $40 a day.

“There will need to be stronger support for people,” he said.

Mr Reed said the dole should be raised to be between 75 per cent and 90 per cent of the aged pension, with the precoronavirus rate of 65 per cent too low.

“I think it is very difficult for an Australian to live on the rate it is today,” he said.

JULY 2020 | FIND KNOX

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FIND KNOX | JULY 2020

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Great news.... Your Library is 100% Fine Free!!!

Fine free from 1 July There will be no more library fines on overdue items from 1 July 2020.

The only things stopping you from borrowing a book will be: • overdue items that cannot be renewed • lost items Happy Borrowing!

ERL Self-Checkout App Use your own smartphone to borrow items at the library! This seamless, contactless solution is free. You can even use the app to check your account, renew items and check the status of your reservations. Download the app here!

Learn more

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JULY 2020 | FIND KNOX

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We’re reopening on Saturdays!

From Saturday 11 July, all libraries (except Realm*) will be open from 10am-12noon. This is a great opportunity to utilise the Click + Collect service, or grab your own holds.

Please note, the current restrictions apply and each library is limited to 20 patrons at a time except Montrose (10).

Please remember: • • • • • •

Do not enter the library if you are feeling unwell.

A membership card must be scanned before entering and on leaving the library. If you are not a member, you can join immediately.

The hand sanitiser provided MUST be used on entry to the library.

PC bookings are limited to one hour per person, per day. WiFi, printing and scanning are available.

Cash payments are no longer accepted. Only credit/debit card payments available.

No food or drink permitted in the library.

*Please check the website for Realm update

More Info

New Books

JULY 2020 | FIND KNOX

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FIND KNOX | JULY 2020

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Early Access Not So Super for Women Money and Life

The COVID-19 crisis has seen many Australians taking steps to stay afloat with their finances. With women more likely than men to withdraw super to make up the shortfall in their income, what does this mean for their long term financial wellbeing? Fran Hughes CFP®, Head of Financial Solutions explores the reasons why a super withdrawal at this time could leave women financially vulnerable.

The Australian Government’s early access to superannuation scheme has seen 1.63m Australians[1] raid their retirement savings to cushion the financial blow of the COVID-19 economic fallout. The scheme, which allows a withdrawal of up to $20,000 over two financial years from April to September 2020, has recorded an average draw down of $7,476 per person[2] in the first tranche. According to analysis from AMP, 21 per cent of women have already withdrawn their super balances, compared with 17 per cent of men[3].

A recent report released by the Australian Prudential Regulation Authority (APRA) [4] reveals the top four superannuation funds with the highest number of withdrawal applications were Australian Super, Hostplus, Sunsuper and the Retail Employees Super. These funds represent the highest proportion of members that work in hospitality, tourism, recreation, sport and retail, and paints a bleak picture of the industries most affected.

Given that women represent more than 55 per cent of employees[5] in these sectors, a withdrawal of $20,000 could seriously undermine future financial security for women taking up the scheme.

for a 25-year-old woman who accessed $20,000 of her super, while a 30-year-old would stand to lose out on $100,000, and a 40-year old $63,000. When compared to the average balance of a 65 year-old female’s superannuation at $245,100, you realise the extent of the damage.

2. Playing Catch Up

Here are 5 reasons why:

You may be thinking, ‘I’ll play catch up and make up the amount down the track’.

We recognize that for some, covering the rent or loan repayments now takes priority over their future retirement. However, to recoup the equivalent of $10,000 back into superannuation requires an annual salary of $123,839 paying 9.5 per cent per annum in superannuation guarantee contributions. According to the ABS, the average weekly earnings for a female is $1,508.50 (or $78,442 per annum), which falls short of the six figure income required to replenish the shortfall.

1. Mind the Gap

3. Broken Working Patterns

Recent figures from the Australian Bureau of Statistics (ABS)[6], found the average superannuation balance for women aged 25 to 34 was $33,200, aged 35 to 44 is $69,300, and aged 45 to 54 estimated at $129,100. A withdrawal of $20,000 could potentially mean a reduction from $33,200 to $13,200, which is a 60% reduction in her superannuation balance. Given that women retire with an average of 40 per cent less superannuation[7] then men, this withdrawal leaves a sinkhole in her retirement savings and further widens the gap. Industry Super Australia (ISA) calculated that the financial gap from now to retirement equated to $120,000

Perhaps the thought of working extra hours has crossed your mind. Here is a sobering thought. A report from the Association of Superannuation Funds of Australia (ASFA) on Women’s Economic Security in Retirement found that women are more likely than men to be working longer in a part-time capacity. This figure rises to 61% for women who care for family, stay-at-home mums, take a career break to study or are unable to find suitable full-time employment. The report goes on to say that the broken working patterns adversely affect a woman’s security in retirement.

4. Loocking in Losses Chances are, your super is invested in a ‘balanced’ option. The average balanced portfolio has lost 10-12 per cent in the last month, underpinned by sharp falls in equity markets. A withdrawal now could potentially mean that you are withdrawing an amount of $20,000 that would otherwise be valued at $22,727, crystalizing a loss of $2,727, that should have been working for you within your superannuation.

5. Loss of insurance cover A sizeable withdrawal of $20,000 from your super, combined with regular fund fees and insurance premiums, added to a break in working patterns, could push your account balance below $6,000, leaving you vulnerable to automatic cancellation of insurances within super.

According to a report by Lifewise, with 95 per cent of Australians underinsured, you’d want to be sure to hang on to this valuable safety net.

Understandably for some, there may be no other option to keep the household finances afloat during these times, however, it should be considered as the very last resort.

Speaking with a financial planner can help you explore your other options for your finances before making a withdrawal through the scheme.

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JULY 2020 | FIND KNOX

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Easier to switch banks with new data rules

By Tiffanie Turnbull

Australians are being urged to holiday at home this year, but industry stakeholders say unless they turn out in droves with money to burn, it may have little impact on the ailing tourism industry.

For every international visitor lost due to coronavirus travel bans, seven-anda-half domestic tourists are needed to fill the economic hole gouged out by COVID-19.

Even in the best of times, Australian tourists spend less than their international counterparts, but amid national economic uncertainty, tourism operators are having to offer big discounts to lure Australians to their doorsteps.

“The government commentary at the moment is that we’ll be okay because the domestic tourism is going to replace international, but we don’t think that’s the case,” Australian Tourism Export Council managing director Peter Shelley told AAP. “No matter what you do, the domestic tourism spend will never replace the $45 billion internationals spend when they visit this country.” In 2019, more than 117 million domestic tourists spent $80.7 billion on overnight trips within Australia, an average of $687 per trip. Comparatively, in the same year, international visitors spent an average of $5211 per trip. “You spend differently when you’re travelling in another country than when you’re travelling in your own country – it’s just a natural mindset,” Mr Shelley says.

ATEC surveyed more than 500 businesses and found that a third of them would not benefit from an uptick in domestic tourism.

More than half expected they would not survive six months without international visitors.

He says international tourist destinations, like far north Queensland, and other places that aren’t within close proximity of large population centres are least likely to get by on domestic tourism dollars.

Many of the businesses are geared towards overseas tourists and pivoting their offerings to suit domestic travellers would bring little return on investment.

Australians can and should do everything they can to support the industry themselves, but Mr Shelley says an extension of JobKeeper for the tourism industry and further government support is what is really needed.

JobKeeper is helping many of them keep their heads above water, but Mr Shelley says they can only sustain their other overhead costs without any income for so long.

“The fear is that unless we can find a way forward to support the businesses … we will see a significant reduction in the number of tourism experiences available post-COVID.”

Online Storytime Survey We are keen to hear about your recent experience of online Storytimes and children’s activities.

This survey will only take a few minutes, and your feedback will provide vital information to our library, and help us improve our programs. All responses will remain private and confidential.

Complete our Survey JULY 2020 | FIND KNOX

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2020 TA • Artificial Schemes for JobKeeper Payment The ATO has released Practical Compliance Guideline PCG 2020/4 which covers schemes in relation to the JobKeeper payment. The main takeaway from the PCG is that the Commissioner will not apply compliance resources where an employer had a genuine impact on the revenue of the operating entity due to change in the external business environment. The PCG also includes examples where the ATO deems a scheme to be artificial with the sole or dominant purpose to access JobKeeper payments.

Announced: 09-Apr-2020 Updated: 15-May-2020

• Service Entities Accessing Jobkeeper Payments The ATO has released Practical Compliance Guideline PCG 2020/4 which covers schemes involving service entities in relation to the JobKeeper payment. The PCG provides guidance on how the ATO will apply its compliance resources to schemes used to access the JobKeeper payments. The main takeaway from the PCG is that the Commissioner will allow a service entity that employs workers, and receives a reduced service fee from the operating entity, to qualify for JobKeeper payments if there is a genuine impact on the revenue of the operating entity due to change in the external business environment.

Announced: 09-Apr-2020 Updated: 18-May-2020

• Spouse Contribution tax Offset eligibility To Be Extended Spouse contributions tax offset eligibility will be extended following the release of draft Bill and Regulations. The Bill and Regulations were made to give effect to the measures announced in the 2019 federal budget. From 1 July 2020, an individual is eligible for the offset where their spouse is under 75 years of age when the contribution is made. Connected with this new legislation is the extension to acceptance of contributions for individuals aged 65 and 66. The current law states that where the spouse is over 65 years, the spouse must satisfy the work test for the contribution to be accepted. Effectively, the work test is being pushed out to the Age Pension Age of 67. There are no announced changes to the income limit or the maximum contribution allowed. Also, the spouse contribution should not otherwise breach their non-concessional cap.

Announcement (1-May-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

• Super Contribution Age Limits To Change Members of regulated superannuation funds have no restrictions for making voluntary contributions prior to reaching 65 years of age. However, from 1 July 2020 changes to legislation and SIS regulations intend to increase the age limit to 67 years of age. The new legislation also extends the ability for members to make bring forward contributions, making more individuals eligible to make 3 years’ worth of contributions. The legislative and regulatory changes only relate to voluntary contributions, as employer contributions have different rules relating to individuals over the age of 65.

Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

• Unpaid Present Entitlements and Extension of Repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan. 30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4.

That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year. The PCG relates to arrangements in the 2017/18, 2018/19 and 2019/20 income years. The ATO has recently stated that the lodgement date for the 2018/19 income year is 5 June 2020. This extension is due to blanket extensions to tax returns issued by the Commissioner. Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009/10 income year.

Announcement (17-Apr-2018) Consultation (3-Apr-2018) Introduced (13-May-2018) Passed Royal Assent Date of Effect

AX UPDATES • Victoria COVID-19 Package for Business Grants and Assistance Part of the Victorian economic stimulus package are grants and assistance for Victorian businesses.

Registered businesses in the hospitality, tourism, accommodation, arts/entertainment and retail industries will receive tailored support. This is in the form of a grant, and specifically not a loan.

Other measures announced include rent relief for businesses renting government premises, and banning of eviction for non-payment of commercial tenancies for six months.

Announced: 09-Apr-2020 Updated: 31-May-2020

• Victoria COVID-19 Package for State Taxes At the top of the Victorian economic stimulus package is a refund of payroll tax for small business.

Effectively, the payroll tax threshold applies to Victorian entities with Australian taxable wages less than $3m for the 2019/20 income year. As well as the payroll tax refunds, other measures announced include deferral of certain land tax payments, and rent relief for landlords who provide rent reduction to their tenants adversely affected by the COVID-19 pandemic.

Announced: 20-Mar-2020 Updated: 29-May-2020

• SMSF Penalties for Underreported Expenses Legislated

Announcement (28-Jul-2018)

Non-arm’s length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-commercial benefit. This new law will strengthen rules which were previously only part of guidance released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to previous interpretations of tax and super regulations in relation to super fund borrowings.

Draft ATO guidance has provided further situations where an SMSF may have underreported nonarm’s length expenditure, including where it may apply to all income.

Introduced (24-July-2019)

• Instant Assets Stimulus Package for 2020 Purchase

Announcement (28-Jul-2018)

The instant asset write-off will be available for the majority of businesses during some part of the 2019/20 and 2020/21 income years. Between 12 March 2020 to 31 December 2020, businesses with up to $500m in turnover will get an instant asset write-off for assets first installed and ready for use under $150k. In the legislation, the update also extends to the low value pool. Where a small business pool has a closing balance of less than $150k will be able to write off the entire balance (also up from $30k). The Government stimulus package, announced to prevent a large national economic downturn, includes this boost to instant asset write-offs. However, the stimulus will not be received until lodgement of the tax return.

Introduced (24-July-2019)

• Testamentary Trust Minor’s Distribution to be Limited

Announcement (28-Jul-2018)

Minors may only receive concessional tax treatment on testamentary trust income that is derived directly from assets originally transferred from a deceased estate. This will take effect for assets transferred into a testamentary trust after 1 July 2019. The legislation provides trustees of a testamentary trust with a clear understanding of when minor’s income will not be taxed at regular rates. This is part of a crackdown on the misuse of testamentary trusts by some. This includes “injecting” unrelated property into the testamentary trust vehicle for tax minimisation purposes.

Introduced (24-July-2019)

Consultation (24-May-2018) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)

Consultation (24-May-2018) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)

Consultation (24-May-2018) Passed (19-Sep-2019) Royal Assent (2-Oct-2019) Date of Effect (30-June-2019)

JULY 2020 | FIND KNOX

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REALESTATE

JULY 2020

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

A short description about the property

ANNE LUXURIOUS VILLA | $3,300,00

PROPERTY FEATURES

INTERIOR FEATURES

Real Estate Agent Name Contact Details:

JULY 2020 | FIND KNOX

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BUILDERS DIRECTORY

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 warren@findgroup.com.au

DISPLAY HOME DIRECTORY

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Looking to market your Building Company in Contact Warren for all of your advertising needs.

Warren Strybosch 1300 88 38 30 warren@findgroup.com.au JULY 2020 | FIND KNOX

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RENTAL LISTINGS Phone 5442 1122 84 Mitchell Street, Bendigo www.realestatewebsite.com.au

REAL ESTATE LOGO Need help with Real Estate? We are here for you.

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Want to Advertise your Rental Listings?

Contact: Warren Strybosch Phone: 1300 88 38 30

ADDRESS

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Agent: Real Estate Company Phone: Agent Name 1234 567 890

Agent: Real Estate Company Phone: Agent Name 1234 567 890

Open for inspection: By Appointment Domain ID: www.websitename.com.au

Open for inspection: By Appointment Domain ID: www.websitename.com.au

Lifestyle: Looking for a first home or quality investment? Consider this recent listing in Huntly from the sales team at Real Estate Company.

Lifestyle: A stately home with impeccable street appeal and streamlined interior. The property has been lovingly maintained by its present owner and is now available for those looking for an elegant, spacious home.

Features: The tiled front entry opens to the formal lounge with bay window and main suite incorporating walk-in robe and suite. Three more bedrooms and the main bathroom occupy a seperate wing. At the heart of the home is an impressive open plan kitchen with

Features: In popular Viwepoint estates, this home was establised just five years ago and comes with a comprehensive builder warranty. The floor plan offers four bedrooms plus ensuite and family bathroom.

Enjoy two living zones, a carpeted lounge as well as fully-tiled family space. Fitted robes, walk-in dressing

ceiling fans, climate control options, dishwasher and pantry storage are include. Undercover alfresco living, a double garage and secure Colorbond fences completed this 476-square-metre property in new residential area.

Location: Viewpoint by Integra offers rural living on the urban fringe for families wanting relaxation and convenience. Huntly has local shops and schools, it’s a five-minute drive from Village Epsom.

timber cabinetry and corner walk-in pantry. The dining area overlooks the rear yard while the family room includes a concealed study nook. Glass sliding door provide access to the paved alfresco area. Also outside is a lovely backyard with sorrounding hefges.

Location: A short walk to everything, such as Strath and Kennington Village Shopping Centre, cafe, medical pratice, Kennington Reservoir, schools, university and sporting facilities.

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JULY 2020 | FIND KNOX

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JUNE 2020

REAL EST

TATE A GENT

We invite all Real Estate Agents to list their profiles here. First in, first page. Be known in your local community and help support all things Maroondah.

For listing enquiries call 1300 88 38 30 or email editor@findknox.com.au

JULY 2020

Knox says ‘no’ to family violence Knox City Council has adopted a Family Violence Statement of Commitment, sending a strong message about its ongoing focus on reducing fasmily violence in the community.

The statement oulines Council’s role in addressing the complex drivers of family violence, to reduce the wide ranging and damaging impact it has both the lives of those affected and on the community as a whole.

Council is commited to developing initiatives and activities ranging from advocacy and leadership to community partnerships and direct service provision. knox City Council Maror, Cr Nicole Seymour says the Statement of Commitment of Commitment emphasises Council’s dedication to drivce a whole of community approach to the prevention of family violence in Knox.

“We have long recognised that family violence is a serious and preventable issue,” says Cr Seymour. “Family violence is one of the leading causes of illness, injury and death for women, and it has a life altering consequences for many children, young people, seniors and men in our community. We all have to be part of the solution if we are going to end violence.”

“It is crucial to us as a Council and a community that every person in Knox has the right to safe and respectful relationships and to live free from violence. “Every member of our community has a responsibility to prevent family violence and develop a culture respect and equality, and Council is in a critical position to be a leader in driving and supporting this change.”

The reaffirmation of Council’s commitment is particularly important during the COVID-19 pandemic, with concerns that self-isolation and lockdown measures may create high risk situation for those experiencing family violence.

Council continues to work in partnership with Victoria Police and local service providers to address immediate needs.

Knox has consistently recorded a higher rate of family incidents than the Eastern Metropolitan Region average and the prevention of family violence has been identified by Council as a key priority.

Commitment, council also approved the inclusion of new and continuing family violence prevention initiatives in the new Council Plan and Community Plan (20212025).

These activities include strategies such as leading and partnering with community groups to deliver prevention initiatives; advocation to other levels of government on other issues such as awareness raising behavioural change programs, and planning controls; and working with direct service providers to say informed of the local situation.

Council has a long-standing history of working with Government and Community agencies to prevent family violence in our community through advocacy, capacity building and leadership. In adopting the Statement of

Source

Coronavirus (COVID-19) restrictions in Victoria Get the latest information about restrictions and what you need to do to slow the spread of coronavirus in Victoria.

Get restrictons information

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JULY 2020 | FIND KNOX

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JULY 2020

Budget drives local recovery Construction projects funded in Council’s 2020-21 budget will create almost 700 jobs and deliver $254 million in benefit for an investment of $114 million.

Adopting the budget last night, Mayor Cr Nicole Seymour said Council’s capital program will provide a critical stimulus for the local economy to recover from the impacts of the pandemic. “This budget needed to strike a careful balance between maintaining our core services, supporting the people in most need and setting us up to recover from the pandemic.

“For every dollar we invest there are flow-on effects to the supply chain that provide a direct boost to the economy.

Economic modelling has assessed the benefits from Council’s capital program to be more than double our investment.

“This underlines the importance of Council maintaining its long term focus on community aspirations and continuing to invest for the future of our city,” Cr Seymour said.

Highlights of the $114 million capital works program include: •

• • •

$20.55 million on sporting upgrades including $12.5 million towards new basketball courts at Knox Regional Sports Park $16.4 million on transport infrastructure including $10 million on road and footpath renewals $19 million to improve parks and reserves including playground and public toilet upgrades $9.78 million to refurbish community buildings including Carrington Park Senior Citizens Centre and early years facilities

•

$4.61 million for flood mitigation works including creating wetlands within Egan Lee Reserve and the Koolunga Reserve catchment

Recognising the unprecedented impact of COVID-19, the budget also includes $3 million for a range of relief measures and resources to support recovery of the local community and economy.

This will fund new initiatives to support people in need, stimulate local industry and economy, and boost business and community-led recovery activities.

“As we begin to plan for life after the pandemic, this budget acknowledges the need to shift our focus towards implementing stimulus projects and driving community recovery,” said Cr Seymour

“Our strong record of responsible financial management sees Council well-positioned to respond where support is needed most while still being able to deliver on our community’s aspirations for the future.”

The budget includes a 2% rate increase in order to fund relief and recovery measures, continue delivering essential services and complete long term projects.

Payment assistance arrangements have been broadened to support households and businesses experiencing financial hardship.

JULY 2020 | FIND KNOX

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FIND KNOX | JULY 2020

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

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CACHE

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BEGIN YOUR FIRST ADVENTURE IN FIND KNOX

SEEK

AND YOU WILL

CACHE

WATCH AND READ THE CLUES

Find a cache

share you exprience

Each month we will provide clues in the location of the Find Cache.

Once you found the Cache please notify us.

The winner will be published in the next Find Maroondah.

CACHE

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Knox

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Black Sheep now open at Westfield Knox

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Your wellbeing is our priority

RETIREMENT

ACCOMMODATION

LIFESTYLE

RETIREMENT ADVICE

info@findretirement.com.au

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

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PROFESSIONAL SERVICES Special Tax Return Offer

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

CONTACT US

Areas of Clinical Focus • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child Muscoluskeleteal Check-Up • Head Preference to one side, Plagiocephaly

$99 Returns - PAYG Only

and Torticollis • Tummy Time, Rolling and Crawling

We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

• Walking, Limping and Balancing

Here are the steps involved:

• Sleep Challenges

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

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

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

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

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

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

• Dental and Orofacial Myology • Breathing Retraining

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

1300 88 38 30

• Growing Pain • Migraines and Headaches

Grad Dip Paeds

• Poor Posture

Lactation Consultant (IBCLC)

• Sport Injuries

03 9876 3011

• Special Needs

info@childreansosteopathiccentre.com

• Retained Primitive Reflexes

www.childrensosteopathiccentre.com

• Pregnant and Prostnatal Women

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

INDEX

CANOPY FINANCIAL GROUP

PROFESSIONAL SERVICES • • • • • • • • • • • • • •

Photography Bookkeeping Find Accountant Find Wealth Minuteman Press Financial Planning Computer Repairs/ Services Solution Based Coaching Marketing Consultant Garage Doors Mortgage Brokering Lactation Consultant Architect Editor

Explore how we can help you achieve your Financial Goals SERVICES WE OFFER Business Advice

Centrelink

Aged Care

Financial Planning

Property

SMSF Advice and Administration

Tax Planning

Share Portfolio Management

Retirement

Finance and Debt Manangement

Investments Superannuation Risk Insurance

CONTACT US 0415 658 611

mari@canopyfg.com.au

www.canopyfg.com.au

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES

SCOPE OF SERVICES

1. Feasibility Studies

• Feasibility Studies

• Construction Documentation

2. Design Only

• Concept Design

• Building Permit Submission

3. Design and Document

• Design Development • Contract Administration

4. Full service package (and more)

• Town Planning

• 3D Imagery

CONTACT US +61 426 188 744

PO Box 233 Eltham VIC 3095

contact@kirarchitecture.com

www.kirachitecture.com

KATHY ISMAIL ARCHITECT

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Make your writing ZING! CONTACT US

SERVICES • Book Editing • Indexing • Memoirs and Life Stories • Editing and Proofreading

susan@creativetext.com.au

• Business Content Services

0437 127 159 www.creativetext.com.au

Save Your Time & Grow Your Business CONTACT US

SERVICES WE OFFER:

Sum and Substance Bookkeeping,

• New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up • Virtual CFO • Training and Webinar • Small and Medium Size Business Owners • Setup, Training & Review • Phone and Email Support • Payroll • Bookkeeping

Training and VCFO services Neha Nayyar - Director 9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095 Office: (03) 9424 9447 Neha: 0401 409 573 Email: info@sumsubstance.com.au Website: www.sumsubstance.com.au

We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas A Garage Door Specialist you can Trust

Trustworthy 24/7 Garage Door Installation

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

• Roller garage doors • Security garage doors • Electric garage doors • Wooden garage doors • Garage door locks • Up and over garage doors

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

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

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

Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED

CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au

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Enter today, for your chance to WIN! www.signarama.com.au/power-up www.signarama.com.au/power-up TERMS AND CONDITIONS APPLY. SEE DETAILS ON WEBSITE.

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS OUR SERVICES

Get the Morthgage You Deserve

•

FIRST HOME BUYERS

•

INVESTMENT LOAN

•

COMMERCIAL LOANS

•

STANDARD VARIABLE & FIXED RATE LOANS

•

HONEYMOON LOANS

•

BRIDGING LOANS

•

INSURANCE

•

DEVELOPMENT FINANCE

CONTACT US reece@shlfinance.com.au 0478 021 757 www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

Sick of spending BIG $$$ and not getting a HIGH return on investments?

We walk you through the problems and give you solutions and results to work with!

SELL MORE - MORE OFTEN CONTACT US Consult@abcselling.com.au 03 7017 2655 www.abcselling.com.au Bayswater, VIC 3153, Melbourne, Australia

Book an initial Chat

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

Email your ad to editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Builder Electrician Painter Plasterer Property Maintenance Cleaner

ADVERTISE HERE

ADVERTISE HERE

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

Email your ad to editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Specialist Tree Services Interior Design Mowing Building Inspection Nursey Flooring

ADVERTISE HERE

ADVERTISE HERE

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

Email your ad to editor@findknox.com.au 12

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PROFESSIONAL SERVICES • • • • • •

Hair Dresser Osteopath Chiropractor Beauty Therapy Gym Massage Therapy

ADVERTISE HERE

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SPORTS

We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sport. For enquiries call 1300 88 38 30 or email editor@findknox.com.au

findknox.com.au

SPORTS

TITLE HERE

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

For enquiries call 1300 88 38 30 or email editor@findknox.com.au

TITLE HERE

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

For enquiries call 1300 88 38 30 or email editor@findknox.com.au

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KNOX

Support your Local Not-For-Profit

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch CafĂŠs & Bistro

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

LOCAL COUPONS

01 January - 31 December 2020

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

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findknox.com.au/register Please refer to Page 72

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

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FIND COFFEE COMING SOON

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COMING SOON

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COMING SOON

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FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

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COMING SOON

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COMING SOON

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FIND ENTERTAINMENT COMING SOON

CARD NO.

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CARD NO.

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FIND TAKEAWAY Vulcan Pizza

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COMING SOON

CARD NO.

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COMING SOON

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COMING SOON

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FIND TRAVEL

FIND DINING COMING SOON

CARD NO.

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COMING SOON

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

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BREKKY, BRUNCH & LUNCH DISCOVER A NEW LEVEL OF TASTE

The best memories are made when gathered around the table.

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

NEW OFFERS COMING

NEW OFFERS COMING

COFFEE

TODAY’S GOOD MOOD IS SPONSORED BY COFFEE FIND ADVERTISING COUPONS editor@findknox.com.au

1300 88 38 30

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Takeaway

Food brings people together on many different levels.

It’s the nourishment of the soul and body: It’s truly love.

FIND ADVERTISING COUPONS editor@findknox.com.au

1300 88 38 30

NEW OFFERS COMING

FIND ADVERTISING COUPONS editor@findknox.com.au

1300 88 38 30

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Coupons &

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

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

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

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

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

Find Cards Policy

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

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

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

Customer Signature If you do not have the correct signature on the Find Cards and it does not match the signature on your license or another card with your photo on it, then the business has the right to not provide you with the discount. it is at the businesses discretion as to whether or not they allow the discount to apply if the Signature is incorrect.

PRESENT VALID FIND CARDS

VALID

KNOX

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have the Find 2020 sticker placed in the circle and the “Find Ok” stamped on top of the sticker.

NOT VALID

KNOX

Find Cards that DO NOT display the Find 2020 Sticker in the circle and DO NOT have the “Find Ok” stamp on the top of the sticker are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

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

Copyright 2020 Find© Pty Ltd.

www.findknox.com.au