Find Knox 2022 - May Edition

Knox The

MAY 2022

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WHAT’S INSIDE:

04

LOCAL STORIES

09

COLUMNIST ARTICLES

14

TAX UPDATES

16

REAL ESTATE - RENTAL LISTINGS

18

KNOX COUNCIL NEWS

20

NOT-FOR-PROFITS EVENTS & ARTICLES

34

FIND FAITH

36

FIND BIRTH, DEATHS, & MARRIAGES

38

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

Mt

CRAIG ANDERSON General Insurance 0418 300 096 sales@heightsafetyinsurancebrokers.com.au

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PL ATINUM SPONSOR

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

WARREN STRYBOSCH

GENERAL INSURANCE

CRAIG ANDERSON

FACILITATOR

WRITER

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Are you our next Facilitator?

Are you our next Writer?

BOOKKEEPER

ARCHITECT

MORTGAGE BROKER

ELECTRICIAN

Are you our next Bookkeeper?

Are you our next Architect?

Are you our next Mortage Broker?

Are you our next Electrician?

FINANCE BROKER

LIFE COACH

PAINTING AND DECORATING

MARKETING

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Are you our next

Are you our next

Are you our next

Life Coach?

Painting & Decorating?

Marketer?

ELECTRICAL OPERATIONS

TRAVEL AGENT

PLUMBING

SOLICITOR

Are you our next Electrician?

Are you our next Travel Agent?

Are you our next Plumber?

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Are you our next Solicitor?

Knox 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: editor@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 established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-For-Profits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer. The Find Knox has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

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 April 8, 2022. Advertising and Editorial copy closes Friday April 1, 2022.

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About the Find Knox

By Warren Strybosch

The Find Knox is a community paper that aims to support all things Knox. We want to provide a place where all NotFor-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-and-coming events in the Find Knox for Free.

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

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

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

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

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

Lastly, we want to ask you, the local community, to support the fundraising

initiatives that we will be developing and rolling out over the coming years.

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

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

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

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

Follow us on facebook (https://www. facebook.com/findknox) so you keep up to date with what we are doing.

We value your support, The Find Knox Team.

Doctor sentenced for failing to lodge tax returns and BAS The ATO has reported that a Western Australia doctor has been sentenced to 7 months' jail and placed on a good behaviour bond for failing to comply with court orders to lodge 18 outstanding income tax returns and BAS. In February 2020, the doctor was convicted at the Perth Magistrates Court and fined $50,000 for failing to provide the ATO with the outstanding income tax returns and BAS. The doctor was also ordered to make the outstanding lodgments within 2 months. However, he failed to lodge, and was prosecuted once more.

The ATO said the doctor will be released from jail after 2 months, upon entering into a $10,000 recognisance to be of good behaviour for the remainder of his sentence. As part of the good behaviour bond, he will need to lodge each of the outstanding tax returns and BAS.

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Austra lia is going to the Polls Warren Strybosch

On the 21st of May Australians will go to the polls to decide which party will form the next federal election.

It will be Albanese first time leading the Labor party in an election since becoming Opposition Leader in 2019.

Albanese took office at age 56 and is the oldest first-time Opposition Leader in 59 years, since Arthur Calwell (age 63) took office in 1960.

If Albanese wins office, he will be the 31st Australian Prime minister and he will follow the likes of Kevin Rudd who was replaced by Julia Gillard, the first female prime minister of Australia, only to be replaced by Rudd a few years later after she backflipped on the carbon tax scheme.

Unfortunately, for Albanese, he has not one of those leaders who has stood out over the years. In fact, a lot of people, until recently would have not known who the Opposition Leader of Australia was. It does not bear well for Albanese as he is an unknow quantity and has not warmed himself to the Australian people thus far.

Unfortunately, Labor has an uphill battle, and it will be interesting to see if Labor has to joins ranks with the Greens and possibly Clive Palmer to try and secure government. Labor is hoping they will get the numbers but given Albanese is not really leadership material, it will be interesting to see if Labor can pull something out of the bag come this election.

Whereas Mr Morrison is seeking the Coalition's fourth term in office and whilst he might not be liked by everyone in Australia, is a well-known figure who has demonstrated he can make decisions in a crisis. The Coalition re-election theme is one of economic trust and pointing out that if Labor gets in, they are likely to ruin Australia’s economy after it has struggled through tough times of late. Then if you add the Greens and Palmer into the mix, the question will be, will Labor actually be running the country, or will the Greens and Palmer be pulling the strings?

The other issue Labor faces is that Australian’s don’t easily forget what has happened over the last few years,

especially in Victoria. With ‘Dictator Dan’ as he was coined during pandemic, Victorians were forced out of work, could not be with their families when they were sick, nor attend the funerals of their loved ones, and it did not stop there. Labor created a society of the vaxxed versus the unvaxxed with the unvaxxed being treated like they were the undead. Ironically, just before the election, the rules surrounding the unvaxxed have nearly disappeared, yet COVID still abounds – maybe Labor is hoping to win the unvaxxed vote?

And we have not even dicussed the increased mental health toll we are now facing nor the sexual grooming agenda that seems to be invading our primary schools, where children as young as nine are encouraged to go home and discuss their father’s ejaculation and masturbating habits. The Labor Premiers have a lot to answer for in a lot of areas.

How will Australians vote? Many people we have spoken too are unsure how they will vote. In less than two weeks one thing will be for sure, someone will be in government. God help us all.

www.findknox.com.au

(Australian Associated Press)

Having first mandated what type of bolts should be used on the Sydney Harbour Bridge, Australian standards are now confronting new challenges in the digital economy and energy spaces.

Up to 4000 new standards will be required over the next decade as Australia encounters energy challenges, digital threats and natural disasters, a new report says.

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National Standards Adapt To New Challenges

About 10,000 Australian benchmarks have been developed over the past century, helping design and protect places and infrastructure including Parliament House and Melbourne’s tram network.

“The pace and scope of change is accelerating, brought about by the digitisation of the global economy, innovation, scientific breakthroughs and evolving societal tastes,” Standards Australia chief executive Adrian O’Connell said.

Thousands of new national standards will help with the transition to a digital economy, strengthen cyber attack systems, mitigate the impact of natural disasters and move toward alternative energy such as hydrogen, he says.

“Without the right national standards in these areas, we risk falling behind the rest of the world in terms of best-safety practice.

“This will require the collaboration of experts and the support of governments, industry and civic leaders.”

A cyber attack is encountered every eight minutes, costing the economy about $33 billion a year, Standards Australia says.

The cost of natural disasters is expected to almost double by 2050, from about $20 billion currently to $39 billion.

In the face of an increasing threat of natural disasters, National Housing Resilience Guides are being examined to show home owners how well equipped their homes are to withstand bushfires, cyclones and floods.

The Iconic Nation Report, released on Monday, details how standards have helped safeguard the operation of Australia’s $1.8 trillion economy.

“Many Australians may not realise how many of our most treasured national icons are underpinned by Australian standards,” Mr O’Connell said.

“These include the Port Lincoln tuna pens in South Australia, Port Arthur in Tasmania, Central Park Tower in Perth, the Melbourne Cricket Ground, Sydney Opera House, Australian War Memorial and Suncorp Stadium in Brisbane.”

Cyber security, natural disasters, the environment, hydrogen energy and critical and emerging technologies are the five key areas identified in the new report. Standards Australia is the nation’s peak standards development organisation.

Realm ArtBoxes: July - August exhibition

Read More

We are seeking artists for our upcoming ArtBoxes exhibition at Realm, with the theme 'Looking up'.

The Realm Library ArtBoxes are a series of display spaces set into the 'wall of wonder', a constantly refreshed display of new books. The ArtBoxes feature works from emerging and established artists. Click here to view the brief. Submissions close 30 June, 2022.

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Director ID – A criminal offence if you do not apply in time Warren Strybosch

The Australian Securities and Investments Commission (ASIC) is responsible for enforcing director ID offences set out in the Corporations Act 2001. It is a criminal offence if directors do not apply on time.

The ATO will start contacting new directors to encourage them to apply for their director identification number (director ID).

Directors who were appointed under the Corporations Act: • • •

before 1 November 2021, must apply by 30 November 2022. between 1 November 2021 and 4 April 2022, must apply within 28 days of being appointed. from 5 April 2022, must apply before being appointed.

Tax agents and accountants cannot apply for a client’s director ID on their behalf. A director must apply for a director ID themselves. The tax agent, bookkeeper or accountant can help their clients to apply for a director ID online by:

#ReturnYourself

Find Your Library

• • •

telling them when they need to apply helping them set up their myGovID to a standard or strong identity strength helping them with the documents they need to prove their identity when they apply online.

You can find more information about who needs to apply for a director ID at abrs.gov.au/deadlines.

Applying for a director ID online Directors must set up their myGovID with a standard or strong identity strength before they apply for a director ID. You will need at least two of the following Australian identity documents to prove their identity: • • • • • • •

Drivers licence or learner’s permit Passport Birth certificate Visa (using their foreign passport) Citizenship certificate ImmiCard Medicare card

Directors will need additional information that the Australian Taxation Office (ATO) knows about them when they apply for their director ID online.

Directors will need additional information that the Australian Taxation Office (ATO) knows about them when they apply for their director ID online.

They’ll need their tax file number (not essential, but recommended), residential address as held by the ATO, and information from two documents to prove their identity. Your clients can use any two of these documents: • Bank account details held by the ATO • ATO notice of assessment • Super account details • Dividend statement • Centrelink payment summary • PAYG payment summary You can find more information about which documents can be used to prove your identity at abrs.gov.au/verify

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MAY 2022 | FIND KNOX

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Are you a Financial Planner looking for more clients?

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

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

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

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

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

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

MAY 2022 | FIND KNOX

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Cruise Ships Return After Two-Year Ban By (Australian Associated Press)

Australian authorities are lifting a ban on cruise liners that’s been in place since March 2020.

NSW, Victoria and Queensland have outlined testing and vaccination requirements for passengers and crew in preparation for the ships to return.

However, Tasmania is still reviewing whether such a move is safe for the island state. Peak body Cruise Lines International Association Australia says the lifting of the ban will be marked by

“a carefully managed resumption of operations” in a sector that previously supported more than 18,000 jobs.

The first international ship scheduled to arrive, P&O Australia’s Pacific Explorer, will sail into Sydney Harbour on Monday morning in readiness for its return to service on May 31.

It will be followed at the end of the month by Ponant’s Le Laperouse, which will begin operations between Darwin and Broome on April 28, joining local operators in time for the important Kimberley season.

“More than a million Australians took an ocean cruise every year before the pandemic and we now have an opportunity to return to sailing and revive an industry that was worth more than $5 billion annually to the Australian economy,” Cruise Lines Australasian managing director Joel Katz said.

“While no setting is immune from COVID-19, the cruise industry’s new protocols provide among the highest possible levels of prevention, detection and mitigation.” The move comes despite COVID-19 infections remaining stubbornly high.

ATO Debts – They will get their money eventually The ATO will not always try to recoup debts owed by taxpayers immediately but place it on hold. This type of debt is called a non-pursued debt.

A non-pursued debt is a debt that is not visible on the balance of a taxpayer’s account on the ATO portal. When a debt is placed on hold, the ATO do not undertake any collection action, usually because it is not economical for them to do so. A debt deemed uneconomical for collection action will be re-raised at a later date if the taxpayer becomes entitled to credits, which will be applied to reduce the balance, or if their circumstances change.

So, if you see a debt removed from your tax portal account, don’t just assume the ATO has forgiven that debt. They just have placed it on hold and will most likely recoup it a later date.

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MAY 2022 | FIND KNOX

ATO update on trust reimbursement agreements ACCOUNTANT

By Warren Strybosch

In a media release on 5 May 2022, the ATO has “acknowledged there has been significant interest in its draft public advice and guidance relating to trust reimbursement agreements and unpaid present entitlements. In response to the level of community interest, the ATO said it will extend the public consultation period for the guidance, which ended on 29 April 2022.

ATO Deputy Commissioner Louise Clarke said "the ATO is aware that the guidance – which has been long requested by the tax adviser community – has unsettled some in that community because it calls into question some practices which have been relatively longstanding".

"The vast majority of small businesses operating through a trust are not operating in a way that will attract section 100A. A distribution to an adult child who has a low marginal tax rate will not attract section 100A where they simply receive or enjoy the benefit of their distribution".

Ms Clarke clarified that the section can only apply where a distribution is made under an agreement where there will be a payment or other benefit provided to some other entity, that will typically have a higher tax rate than the beneficiary, where a purpose of that agreement is that someone will pay less income tax.

"For example, where a full-time student receives an entitlement from a trust under an arrangement where they agree to immediately gift the entitlement back to the trustee".

"The ATO does not make law. We have not changed section 100A; 100A remains as it always has been. What we have done is publish what is at this stage draft

guidance for consultation as to how we think the law applies,” Ms Clarke said.

"The ATO's position is that if the beneficiary of the trust gets the benefit, 100A has no role to play. The ATO is not concerned about ordinary family trusts where the relevant family members benefit from the distributions".

Similarly, Ms Clarke also noted that the ATO is not concerned when profits from the family business are distributed to members of the family who work in the management of the business and then that family member chooses to reinvest the profits in the business.

The ATO will not be pursuing taxpayers that entered into arrangements between 1 July 2014 and 30 June 2022 where, in good faith, they concluded that section 100A did not apply to them based on the previous 2014 guidance.

"I want to reassure the community - we won't have a retrospective element.

We stand by our 2014 guidance for this interim period,” Ms Clarke said.

The ATO will carefully consider all submissions received during the consultation period as it finalises the package of public advice and guidance.

A compendium of our responses to the feedback will also be published.

The question is whether this will mean the end of discretionary trusts as a taxeffective vehicle?

Lawyers are reminding accountants and family groups that the ATO does not make law and whilst they have released further guidance on the subject, it is yet to be made law and tested. They argue that there are many ‘common’ family arrangements involving discretionary trusts that will continue to be low risk.

Some lawyers are going so far as to say that as long as the funds being distributed to the adult children are indeed being

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distributed e.g., funds going into their bank account, and regardless of how those funds are being used, this should not incur s 100A and trustees should have nothing to worry about. Some lawyers are keen for the ATO to take this matter to court as they believe the ATO will lose. However, the ATO is off the opinion that just because something happens frequently, or is accepted as a common practice, doesn’t mean it is an ordinary commercial or family dealing for the purposes of s 100A, and may challenge distributions going to adult children.

Now, we wait and see, and trustees will have to decide whether to distribute funds to adult children is worth the risk this financial year.

Examples in the draft ruling include (but are not limited to) arrangements where: •

• • •

Distributions have been made to an adult child beneficiary and the entitlement to the funds representing those distributions have been applied for the benefit of another person (usually the parents), Where an entitlement to income has been ‘gifted’ back to the trustee (or a parent) or otherwise forgiven, Where there is a circular flow of funds (e.g., where the trust is a shareholder in a corporate beneficiary); and, Where a trust acquires an equity interest in a corporate beneficiary under a share buy-back arrangement involving members of the family group (often the parents).

The ruling, whilst still in draft form and has raised some concerns amongst taxation professionals given the ATO have been working on draft s 100A guidance for more than 6 years. The lack of certainty for trustees and beneficiaries around the ATO’s tax administration approach will no doubt cause concern and may leave trustees at risk of assessments arising from distributions that are made going forward. Trustees should consider speaking to their accountant or lawyer with regard to s 100A if they have any concerns or doubts about their current trust distribution arrangements.

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

Warren Strybosch You can call them on 1300 88 38 30 or email info@findaccountant.com.au www.findaccountant.com.au MAY 2022 | FIND KNOX

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How Valuable Is Your Breastmilk?

LACTATION CONSULTANT

By Dr. Joanna Strybosch

An exciting new Tool has just been launched called the Mothers’ Milk Tool. It has been created by Australian National University (ANU) researchers in partnership with Alive and Thrive and FHI Solutions, and it allows individual mothers to calculate the value of the milk they have produced for their child.

The Mothers’ Milk Tool quantifies the volume of breastmilk and value of breastfeeding at individual, national and global levels, as well as how much is lost if country environments and policies, or healthcare, work and community settings do not enable women’s and children’s rights to breastfeeding.

“The value of breastfeeding is poorly recognised,” said the ANU’s Dr Julie Smith.

“Breastfeeding and mothers’ milk is presently not counted in food systems or the economy, but it should be. The Mothers’ Milk Tool will help.”

Breastfeeding contributes importantly to a countries food supply and food security. Countries can rely on the human milk produced by breastfeeding women – from mother to baby is the worlds shortest and most reliable baby food supply chain.

In countries which do not provide enabling environments for breastfeeding there is a high percentage of lost milk.

In countries where breastfeeding is common such as Ireland or the United Kingdom, around 80% of this crucial potential food supply is lost. In the United States, Brazil, Norway and Australia around two thirds of the capacity to provide human milk is lost due to in adequate protection, promotion and support for breastfeeding.

Global Human Milk Production Facts: •

•

Globally approximately 35.6 billion litres of breastmilk are provided each year by the world’s mothers for their babies 0-36 months.

Around 38% of the potential global breastmilk is currently forfeited due to inadequate breastfeeding practices.

•

Nearly 29.1 billion litres of breastmilk is “lost” or forfeited each year from inadequate breastfeeding, which has a monetary value of US$2.2 trillion.

Dr Smith said that if the value of breastfeeding is not visible it is harder to make a case for funding the policies and programs to protect, promote and support breastfeeding. Money is the language of policymakers. Counting human milk production in food and economic statistics will assist in better policy decision-making and investments in women’s unpaid care work.

“Counting human milk is a way to value and recognise how much women add to the food system, economy and society through the care of infants and young children. When countries do not count breastfeeding or human milk in production statistics, the extent of

women’s productivity and contributions to society goes unnoticed.”

The Mothers’ Milk Tool is free and can be downloaded. It has been launched to coincide with Mother’s Day to acknowledge the role, health and economic contribution of mothers to society through women’s unpaid care work, including breastfeeding. How much is your breastmilk production worth? Download the tool and find out!

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

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE www.childrensoteopathiccentre.com

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List Your Aged Care Facilities with Find Aged Care Accommodation Today.

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

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation. com.au) so you can promote your facilities and services to the general public. You can

also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

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

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

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Farmers Fea Resurgent Mouse Plague

Jack Gramenz and Liv Casben (Australian Associated Press)

Farmers are being urged to be on the look out for mice in their paddocks amid reports of increased numbers of the rodents across Australia’s cropping regions.

CSIRO says farmers have reported increased mice activity in northern NSW, central Queensland, north western Victoria, the Yorke Peninsula in South Australia and the wheat belt in Western Australia.

CSIRO research scientist Steve Henry told AAP it can be difficult to notice growing numbers of mice before it becomes too late to combat them.

“Farmers need to get out of their vehicles and walk through their paddocks to see signs of mouse activity,” Mr Henry said.

“We haven’t reached plague proportions but we are getting reports of higher numbers across the cropping zone and

farmers need to be prepared to take action to reduce numbers as they sow the winter crop.”

Millions of dollars worth of crops were destroyed during last year’s mouse plague in NSW and southern Queensland, which also caused extensive damage to farm machinery, vehicles and buildings.

“Let’s make sure we all get out of the ute and into the paddock to make sure we avoid another plague,” he said on Monday.

Some farmers have increased baiting in a bid to suppress mice numbers.

The NSW government introduced a rebate for zinc phosphide bait last year.

Mr Henry said mice are most likely to be in the unharvested summer crops, and in the winter crop stubble where grain has been left behind.

CSIRO data indicated patchy numbers of mice across NSW but Mr Martin said farmers were reporting more rodents running around their properties.

“As it gets colder mice are also seeking shelter and are coming into houses and other buildings,” he said.

“What we don’t want to see is a repeat of last year’s mouse plague, so please if you see something, say something,” he said.

NSW Farmers Vice President Xavier Martin has urged farmers to survey their properties for signs of rodent activity in a bid to avoid a repeat of last year.

One third of farmers surveyed by NSW Farmers estimated their losses at between $50,000 and $150,000 during last year’s inundation.

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MAY 2022 | FIND KNOX

Superannuation - Some rule changes from July 2022 you need to be aware of FINANCIAL PLANNING

By Warren Strybosch

The superannuation system is always changing and this makes Australian’s nervous to place their trust in it. However, not all changes are bad news. The new reforms will benefit quite a few Australians and hopefully help them have more in retirement.

Many of the changes were originally announced in the May 2021 Federal Budget but took quite a while to make their way through both houses of Parliament. Some only passed in the dying days prior to Parliament rising for the 2022 Federal Election.

A. Increase in Super Guarantee percentage For everyone who is entering the work force, the increase in the Super Guarantee (SG) will likely mean they will never have to worry about their retirement in the future. This ‘forced saving’ plan, over a 40-year period for those young adults, will provide a good nest egg for them, and it will also reduce a lot of pressure of the social security system.

From 1 July 2022, the percentage rate for the Super Guarantee (SG) increases from 10% to 10.5%. Employers need to be aware of the increase and will be required to contribute additional money into their employees’ super accounts.

Under current laws, the percentage rate will rise again to 11% on 1 July 2023. It will continue rising 0.5% each year until it reaches its final rate of 12% on 1 July 2025.

B. Removal of the $450 monthly SG threshold This is a win for those earning low incomes who are over 18 years of age.

Commencing 1 July 2022, the $450 monthly minimum wage threshold to qualify for employer Super Guarantee contributions will be abolished.

This scrapping of the monthly threshold amount means employers are now required to make super contributions for all their employees (including casual

and part-time employees) regardless of how much they earn. For those under 18 and working less than 30 hours a week, this measure will not apply to them.

C. Reduction in eligibility age for downsizer contributions For those selling their principal home after age 60, should consider the downsizer contribution. The eligibility age for making downsizer contributions into super was reduced from 65 years to 60. This type of contribution does not impact the concessional or nonconcessional caps.

From 1 July 2022, more people in their sixties can make contributions (up to $300,000 per person or $600,000 per couple) into their super account using the downsizer measure, provided they meet the eligibility criteria.

D. Increase in age limit for voluntary super contributions Have you already retired and received an inheritance? Would you like to place those funds into super? Well, for those under age 75, now you can.

From 1 July 2022, anyone aged 67 to 74 who wishes to make a non-concessional, voluntary super contribution is no longer required to meet the work test (or work test exemption) to be eligible to make the contribution. The other normal eligibility criteria such as a Total Super Balance (TSB) of less than $1.7 million and sufficient unused annual nonconcessional contributions cap still apply.

The only exception is for people wishing to make a personal contribution into their super account and then claiming a tax deduction for the contribution. This type of personal concessional contribution still requires the contributor to meet the work test (or work test exemption).

E.Increase in age limit for salarysacrifice contributions The age limit for making salary-sacrifice contributions into super without needing to meet the work test has also been increased from age 68 to 74. This means from 1 July 2022 eligible salary-sacrifice

13

arrangements into super are available to anyone aged under 75 without the need to meet a work test. The other normal eligibility criteria such as a TSB of less than $1.7 million and sufficient unused annual non-concessional contributions cap still apply.

F. Increase in age limit for bringforward rule Older super fund members who want to make a large non-concessional contribution into their super account can now do so from 1 July 2022. The reform lifts the cut-off age for using the bringforward rule to under 75 from under 67 previously.

This means people up to age 74 can use up to three years’ worth of their nonconcessional (after-tax) contribution caps over a shorter period. Eligibility to use the bring-forward rule will still depend on the contributor’s TSB at 30 June of the previous year and the total of personal contributions over the past two financial years.

G. Increase in First Home Super Saver Scheme (FHSSS) limit From 1 July 2022, the maximum amount of eligible contributions that can be released through the First Home Super Scheme (FHSS) increases from $30,000 to $50,000. However, the annual limit for voluntary contributions eligible for the scheme remains at $15,000 per financial year.

H. Temporary reduction in super pension minimum drawdowns The government has extended the temporary reduction in the minimum drawdown rates by 50% for accountbased pensions and similar products in the 2022–23 income year.

I. Changes to the Home Equity Access Scheme (HEAS) Following passage of the Social Services and Other Legislation Amendment (Pension Loans Scheme Enhancements) Act 2022, older Australians who have applied to use the government’s HEAS can access lump sum advance payments from 1 July 2022. The maximum advance is capped at 50% of the maximum annual rate of their pension (including pension and energy supplements and rent assistance).

The legislation also introduced a no negative equity guarantee for HEAS participants to ensure participants with an outstanding loan balance on or after 1 July 2022 will not have to repay more than the equity they have in the property used to secure their loan.

MAY 2022 | FIND KNOX

13

2022 TA

Small business skills and training boost

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

Announcement(29-Mar-2022)

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

Consultation

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

Introduced Passed Royal Assent

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

Date of effect

COVID-19 tests to be tax deductible The cost incurred in taking a COVID-19 test will be tax deductible for individuals as long as the test was used for a work-related purpose. Although there was an argument to be made that an employee taking a

Announcement(28-Mar-2022)

COVID-19 test for work was already deductible under general provisions, the government has legislated it

Consultation

to provide certainty. Also, expenditure incurred by an employer to provide their employees with these tests for admittance to work will be exempt from Fringe Benefits Tax.

Introduced(30-Mar-2022) Passed(30-Mar-2022) Royal Assent Date of effect(1-Jul-2021)

The new law takes effect from 1 July 2021.

ATO scrutiny of family trust arrangements On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings.

These dealings are excluded from the anti-avoidance provisions. Trustees need to make sure that their

Announcement(23-Feb-2022) Consultation period(29-Apr-2022) Released

distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit.

Helping them understand their obligations is paramount coming up to the end of the current income year.

Low and middle income tax offset The low and middle income tax offset (LMITO) was introduced in the 2018 Federal Budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents. Originally due to run over 4 years, in the 2020 Federal Budget phase 2

Announcement(8-May-2018)

of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of

Consultation

30 June 2021. In the 2021 Federal Budget it was announced that LMITO would be extended to the 2021–22

Introduced(30-Mar-2022)

income year. In the 2022 Federal Budget, the government increased LMITO for its final year by $420. However, unlike previous increases of LMITO, the final increase is available to all individuals below $126,000 in taxable income. The maximum LMITO of $1,500 is available in 2021–22 for Australian residents on incomes between

Passed(30-Mar-2022) Royal Assent(31-Mar-2022) Date of effect(1-Jul-2021)

$48,000 and $90,000 and will tapers off to $420 for individuals with a taxable income of $126,000.

Potential end for Div 7A and sub-trust arrangementsa A draft determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). The assumed provision of financial

Announcement(23-Feb-2022)

accommodation in practice means that sub-trust arrangements will have no benefit when it comes to

Consultation period(29-Apr-2022)

deferral of tax or repayments of loans. When finalised, the determination will apply from 1 July 2022. A

Released

consultation period has recently been extended to 29 April 2022 and stakeholders are encouraged to have their say with the ATO.

AX UPDATES One-off cost of living payment for social security recipients Individuals who are currently in receipt of an Australian government allowance or pension will receive a one-off payment of $250 to ease the cost of living pressures. Certain concession card holders will also get the payment. Originally announced in the 2022 Federal Budget, this one-off payment has been legislated through parliament and will be exempt from tax. The payment will also be exempt from counting towards and individual’s income for social security purposes. It is expected that the payments will flow through to eligible recipients from 28 April 2022.

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

One-off cost of living payment for social security recipients Individuals who are currently in receipt of an Australian government allowance or pension will receive a one-off payment of $250 to ease the cost of living pressures. Certain concession card holders will also get the payment. Originally announced in the 2022 Federal Budget, this one-off payment has been legislated through parliament and will be exempt from tax. The payment will also be exempt from counting towards

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

and individual’s income for social security purposes. It is expected that the payments will flow through to

Royal Assent(31-Mar-2022)

eligible recipients from 28 April 2022.

Date of effect(29-Mar-2022)

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

From December 2021, density restrictions in place may have meant that your client may have experienced a decline in turnover.

These support measures included: •

automatic payments for those also that previously received the COVID-19 Tourism and Hospitality Support Grant

•

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

•

one-off grants for other eligible businesses that experienced a reduction in turnover, and

•

new grants available for major events that were cancelled or postponed.

Announced: 26-Mar-2020 Updated: 6-Apr-2022

In the 2022 Federal Budget, a number of South Australian grants were added to the non-assessable nonexempt list, meaning they are tax free for businesses who received them.

For previous measures that were in place in South Australia, refer to our state COVID-19 page.​

One-off cost of living payment for social security recipients In its response to the current COVID-19 lockdowns across August 2021, the Queensland Government implemented support grants for businesses across the state. The support packages were jointly funded by the Commonwealth and Queensland governments. Grants of up to $15,000 were available to eligible small and medium businesses across all industries. Support payments of up to $30,000 were available to large hospitality and tourism businesses impacted by the border closure. Applications for this grant closed in November 2021. A recent announcement by the federal government makes the 2021 COVID-19 Business

Announced: 8-Apr-2020 Updated: 8-Apr-2022

Support Grant non-assessable non-exempt income. A COVID-19 cleaning rebate of up to $10,000 is still currently available for eligible small and medium businesses and not for profit organisations. Applications for the cleaning rebate are available until 30 June 2022.

MAY 2022 | FIND KNOX

15

REALESTATE MAY 2022

REALESTATE

FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Knox each week and we will update your Listing in the online community paper for FREE.

If you have questions, contact Warren on 1300 88 38 30 or email: editor@findknox.com.au MAY 2022 | FIND KNOX

17

MAY 2022 REALESTATE

Relief for energy costs

• • • •

Centrelink Pension Concession Card Job Seeker, Youth Allowance, Abstudy or Austudy Department of Veterans Affairs Pensioner Concession Card Department of Veterans Affairs Gold Card

Applications for the payment close 30 June 2022.

Further information, including the application process is available on the Victorian Energy Compare website.

Australian Energy Foundation Knox residents can receive free energy saving advice from the Australian Energy Foundation (AEF). Their energy advisors can provide guidance and tips on effective ways to lower your energy costs and carbon footprint.

The Victorian Government is offering a one-off $250 payment for residents receiving concession benefits to assist with rising living costs.

The Power Saving Bonus program aims to provide relief to households experiencing bill stress due to the pandemic.

Residents who meet the following eligibility can apply for the payment: 1.

2.

be a Victorian residential energy consumer (i.e. have a residential electricity account) receive one of the following concession benefits:

Knox Proudly Recognises Sorry Day and Reconciliation Week Thursday 26 May marks National Sorry Day – a day we acknowledge members of the Stolen Generation and their suffering.

To recognise the day, we will be hosting a Sorry Day Ceremony at the Knox Civic Centre from 10:00am – 1:00pm. The event will include a traditional Welcome to Country, smoking ceremony, traditional dance and music performances and most importantly, we’ll hear first-hand from renowned guest speaker, Rueben Berg.

We encourage the community to join us as we learn from Rueben and educate ourselves on the grief of the Stolen Generations – still felt by many across Knox today. The day additionally marks the beginning of Reconciliation Week, occurring each year from 27 May – 3 June.

Book a free consultation by calling 1300 23 68 55, or visit the AEF website.

This initiative is supported by our Climate Response Plan 2021-2031, which aims to reduce greenhouse emissions in our community to net zero by 2040.

To learn more about Sorry Day, Reconciliation Week and to register, visit our webpage.

While Sorry Day and Reconciliation Week are important steps in healing local members of the Stolen Generations, it is paramount we are making progress outside of significant cultural dates, also.

Using the Aboriginal and Torres Strait Needs Analysis recommendations received in 2021, Knox continues to prioritise this portfolio of work all-year round, through five strategic focus areas: • Respect and Recognition • Cultural Heritage • Employment and Economic Development • Health and Wellbeing • Civic Participation We all have a role to play when it comes to reconciliation, and in playing our part we collectively build relationships and communities that value Aboriginal and Torres Strait Islander peoples, histories, cultures, and futures.

Together, we can make a better tomorrow.

MAY 2022

Do you care for someone with a disability in Knox?

In partnership with Orana Neighbourhood House, Knox will be offering a free Mental Health First Aid course for parents and carers of someone with a disability, delivered by Neami National.

The course will run over four instructorled sessions from 11:30am-2:30pm across four Wednesdays next month: •

Wednesday 8 June

•

Wednesday 15 June

•

Wednesday 22 June

•

Wednesday 29 June

The Standard Mental Health First Aid (MHFA) course will run through how to provide initial support to adults who may be experiencing mental health problems or mental health crisis until appropriate professional help is received, or the crisis resolves.

For more information and to register, visit our webpage.

Rules on election signs VicRoads is responsible for approving and enforcing signs on major roads.

One political sign of up to five square metres in area can be displayed on a private property for up to three months.

On both public and private land, signs can remain no longer than 14 days after an election.

It is a permit holder’s responsibility to remove signs.

A federal election is in the air – the signs are everywhere.

Knox City Council has received a number of complaints about the placement of election signs.

Council manages the placement of election signs on Council land through its Amenity Local Law. It does not manage signs on major roads, which is the responsibility of VicRoads.

State planning provisions set the rules for signs on private property.

On Council land, permits are required for signs and the distribution of election material.

Election signs up to 900mm x 600mm can be displayed on pre-approved sites on Council land in accordance with permit conditions detailed in the Election Signage Rules available on Council’s website here. Council’s requirements state a candidate can have one sign per site.

Candidates can also apply for a permit to display signage at sites not covered by the above pre-approved locations.

While some political parties have applied for permits to display election signage on Council land, others have erected signs without a permit resulting in Council issuing directions to remove signage.

Some signs have been impounded and infringements may be issued.

Complaints about signs can be sent to knoxcc@knox.vic.gov.au or lodged as an online enquiry. The specific address or location of the sign and photos will assist Council to follow up complaints.

MAY 2022 | FIND KNOX

19

Are you Not-For-Profit in Knox Area?

Advertise your events for FREE on the following pages.

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.

Knox

SUPPORT YOUR LOCAL

NOT-FOR-PROFIT

Knox

Westfield Knox is one of the largest shopping centres in Melbourne. Located at the foothills of the Dandenong Ranges approximately 25 kilometres east of the CBD, it is easily accessed by major arterial roads, including the Monash and Eastern Freeways. The centre currently caters to a trade area population of approximately 478,000 people, with a total accessible market of 2.2 million residents.

The centre is home to a range of Australia’s most well-known retailers including Myer, Kmart, Target and Coles. There is also a Village Roadshow cinema complex and a broad mix of retailers including over 380 specialty retailers.

Westfield Living Centres are open and trading. Visit your local centre website for the most up-to-date retailer information and opening hours as these will vary for each state and territory.

o hS p

Eat

Reimagining Knox

We’re delighted to announce the commencement of the $355 million redevelopment of Westfield Knox, transforming our Living Centre into an elevated retail and lifestyle destination created for our community. Construction is now underway, with transformation to occur in stages between 2022 and 2023.

The first stage will include a new fresh food market on Level 1, featuring a selection of new and existing retail partners and food catering experiences alongside new supermarkets; Woolworths and ALDI. The fresh food market is expected to open in late 2022.

The second phase will include the addition of the new 2,000sqm Knox public library, an elevated retail offer spanning a diverse mix of categories, from fashion to beauty, youth and homewares and a range of new uses. These include co-working facilities and recreational spaces for our community to enjoy.

In addition to the retail upgrades, the centre will undergo a comprehensive internal update including new flooring and finishes throughout, as well as upgraded amenities for our customers.

The first stage will include a new fresh food market on Level 1, featuring a selection of new and existing retail partners and food catering experiences alongside new supermarkets; Woolworths and ALDI. The fresh food market is expected to open in late 2022.

The second phase will include the addition of the new 2,000sqm Knox public library, an elevated retail offer spanning a diverse mix of categories, from fashion to beauty, youth and homewares and a range of new uses. These include co-working facilities and recreational spaces for our community to enjoy.

In addition to the retail upgrades, the centre will undergo a comprehensive internal update including new flooring and finishes throughout, as well as upgraded amenities for our customers.

The project will showcase our responsible business strategy, including a number of sustainability initiatives which will improve the centre’s energy, water and emissions intensity. The installation of a large rooftop solar system will generate onsite renewable electricity.

We’re looking forward to our customers joining us on this exciting journey, and will have more news to share including new retail announcements and details on our community spaces as works progress.

MAY 2022 | FIND KNOX

23

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHO WE ARE

WHERE WE WORK

Find Retirement is a part of the Find Group of companies offering Retirement Planning, Accounting, Super, and Insurance service to our clients.

We service clients throughout Melbourne, Bendigo and Geelong and surrounding areas. With access to the internet it does not matter where you live.

WHAT WE DO We don’t sell proucts but provide simple retirement planning solutions.

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findknox.com.au

MAY 2022 | FIND KNOX

25

Learn To Spend Again

RETIREMENT

By Bernard Kelly MBA

Many retirees say that they do not spend on the grounds that they “could run out of money”. They prefer to leave their assets untouched.

Now this is mindset is a carry-over from an earlier time, and as such should be re-examined in the light of modern circumstances.

Prior to retirement, the emphasis is on accumulation, but after retirement, with accumulation or – at least – a pension having been achieved, it’s time to spend.

But too many retirees simply can’t make the switch. The religion of Saving is too ingrained.

But surely retirement is a time for a feeling of enjoyment, when we able to develop all those projects that we have previously deferred. This is the time when we should cultivate an enthusiasm for living, as the bleak routine of earlier years is now behind us.

Spending in moderation is quite OK – you really can’t enjoy the grandchildren unless you spend something on them, and for the more energetic, there is a cost of course in just becoming a grey nomad.

So moderate spending is good, but you have to work at it.

Most corporates don’t market to retirees, because of the prevailing attitude that retirees don’t spend. This is unfortunate as retirees can then be lulled into missing out on simple pleasures.

Here are some personal examples from my network of friends: One lady, who has terminal cancer, doesn’t drink, doesn’t smoke, doesn’t gamble and treats herself to one indulgence every day.

She buys a coffee and sits on the cliffs watching the water, the birds, the sand and is at peace with herself.

A small outlay (from her modest savings) to be at one with herself.

Saving for the children The concept of saving “something for the children” is also discredited today, as when their inheritance occurs, most will already be financially secure.

And most likely they will be close to retirement themselves.

So retirees shouldn’t save on their behalf – particularly as over half of the population won’t experience their “estate event” (death) until we are well into our 90s.

At which time, your children will be into their sixties, and won’t be needing your money.

So, let’s join the campaign to become a modern elder – and learn to spend.

Perhaps she fits the advertisers’ profile of who seniors are.

But another couple - who used to travel to exotic overseas destinations pre covid – now is content to explore Australia.

They’re quite distant from being members of the affluent “self-funded retirees” club, but at least they’re enjoying retirement, and spending on their own terms.

They made the effort to find enjoyment locally, and are not afraid to spend.

Bernard Kelly writes on retirement issues, and welcomes comments.

Feel free to contact him on bernardkellygeelong@gmail.com

BERNARD KELLY Bernard Kelly is a (volunteer) retirement success coach

MAY 2022 | FIND KNOX

25

PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES Special Tax Return Offer $99 Returns - PAYG Only We have made it cheaper and easier for you to get your returns completed & you can do it all from the comfort of your own home.

Here are the steps involved: 1. Email to warren@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

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

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

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

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

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

1300 88 38 30 Important: This offer is only available new clients to Find Accountant Pty Ltd. Liability limited by a scheme approved under Professional Standards Legislation

INDEX PROFESSIONAL SERVICES • • • • • • • • • •

Architect ------------------------------ 00 Find Accountant ----------------- 26 Financial Planning ------------- 00 Find Insurance -------------------- 27 Bookkeeping ---------------------- 00 Editor|Copywriter --------------- 00 General Insurance ------------- 27 Life Coach --------------------------- 00 Signages ------------------------------ 00 Mortgage Brokering ----------- 00

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

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

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email editor@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

PAGES

PROFESSIONAL SERVICES

HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP) • Life Insurances or Death Cover • Total and Permanent Disability (TPD) • Trauma Insurance or Critical Illness Insurance • Business Expense Cover • Child Trauma Cover

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Clearview Financial Advice Pty Limited ABN 89 133 593 012 No. 331367

When your insurance are in place, our services do not stop there. We will provide you with an after care service that includes policy notifications, insurance report, help desk, reviews and help at claim time.

We provide ourselves in providing honest advice that you can rely on.

1300 88 38 30

warren@findinsurance.com.au

www.findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

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

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

Visit Us Here

the information they can provide. If you are unsure you should get independent advice before you apply for any product or commit to any plan.

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

ABN: 26689211803

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

MAY 2022 | FIND KNOX

27

PAGES

LOCAL TRADIES

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

Consider joining the Find Manningham Network group.

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

editor@findknox.com.au

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

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

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

PAGES

LOCAL TRADIES

TRADIES - FREE ADVERTISING Email your artwork to info@findnetwork.com.au. If you wish us to create your ad, we will do this for a minimal cost. Go to www.findyarraranges.com.au/graphic-design to upload your details and we will create this for you.

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email info@findnetwork.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

MAY 2022 | FIND KNOX

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PAGES

HOME & GARDEN

BUSINESSES Do you provide Home and Garden services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

INDEX PROFESSIONAL SERVICES • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

editor@findknox.com.au

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

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

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

PAGES

HEALTH & BEAUTY

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

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findknox.com.au

*Available until your category is taken when a Tradie joins the Find Network Team.

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 00 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

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

The Dimensions of the Ads are: 53 x 98 mm - 1/8 Small Size

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findknox.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

MAY 2022 | FIND KNOX

31

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

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

SPORTS

Do you have Photos from a local sports event or even a great story you would like to share?

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

MAY 2022 | FIND KNOX

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APRIL 2022

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Knox 1300 88 38 30 editor@findknox.com.au

Religious Practitioner Stories & Services

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

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

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Birth, Deaths & Marriages MAY 2022

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

SEND US YOUR NEWS! Knox

1300 88 38 30 editor@findknox.com.au

Birth, Deaths & Marriages

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

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

MAY 2022 | FIND KNOX

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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 Cafés & Bistro

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

LOCAL COUPONS

31 January 2021 - 31 January 2022

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

FIND CARD LOCAL OFFERS

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PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findknox.com.au/register/ Please refer to Page 54

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND BREKKY, BRUNCH & LUNCH COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND ENTERTAINMENT COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TAKEAWAY COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND TRAVEL COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

FIND DINING COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

COMING SOON

CARD NO.

PAGE NO.

Dining

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

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

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

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

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& Lunch

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Coffee

COFFEE WITH A FRIEND IS LIKE CAPTURING HAPPINESS IN A CUP.

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

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Takeaway

You don't need a silver fork to eat good food

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

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NEW OFFERS COMING

MAY 2022 | FIND KNOX

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Entertainment

Dance is the poetic baring of the soul through motion 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.

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

PRESENT VALID FIND CARDS

VALID

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

NOT VALID

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

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

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www.findknox.com.au

APRIL 2022