Find Knox 2021 - October Edition

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OCTOBER 2021

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WHAT’S INSIDE: 04

LOCAL STORIES

27

COLUMNIST ARTICLES

40

TAX UPDATES

42

REAL ESTATE - RENTAL LISTINGS

44

KNOX COUNCIL NEWS

46

NOT-FOR-PROFITS EVENTS & ARTICLES

64

FIND FAITH

66

FIND BIRTH, DEATHS, & MARRIAGES

68

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

COVID Targets To Freedom

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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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OCTOBER 2021 | FIND KNOX

3

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.

Classic Falcon sells for record $1.3M

By Melissa Meehan (Australian Associated Press)

A classic Ford Falcon has fetched well over $1 million at auction, setting a record price for iconic Australian cars.

Also being auctioned was a collection of rare Holdens which also achieved record prices.

The Yellow Glo Ford GTHO Phase III Falcon sold on Saturday for $1.3 million, making it the most expensive road registerable Australian classic sold under the hammer.

A 1996 Holden HSV VS GTSR sold for a whopping $1 million under the hammer while a HSV GTSR W1 sold to a Holden enthusiast for $750,000.

Lloyds Auctions chief operating officer Lee Hames said he wasn’t surprised by the price.

Mr Hames said Holdens and Fords continue to appreciate, adding that “anything of a limited build, celebrity affiliation, significant history or chrome bumpers just keeps going up in value”.

“It is the pinnacle of Australian muscle cars and has consistently held its value over its lifespan since its release in 1971,” Mr Hames said in a statement on Sunday.

OCTOBER 2021 | FIND KNOX

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4

FIND KNOX | OCTOBER 2021

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New Tougher Testing Measures For Those Seeking A Home Loan

By Warren Strybosch

If you thought, it was hard to obtain a home loan then it is now only going to get tougher. The Australian Prudential Regulation Authority (APRA), that supervises institutions like banks, has come out and stated that banks must increase the minimum interest test buffer when assessing home loan affordability/ serviceability.

In a letter to authorised deposit-taking institutions, APRA has told lenders it expects they will assess new borrowers’ ability to meet their loan repayments at an interest rate that is at least 3.0 percentage points above the loan product rate.

This compares to a buffer of 2.5 percentage points that is commonly used by ADIs today. APRA’s decision, which reflects growing financial stability risks from ADIs’ residential mortgage lending, is supported by other members of the Council of Financial Regulators, comprising the Reserve Bank of Australia, the Treasury and the Australian Securities and Investments Commission.

Give us powers to rein in Google: ACCC

By Steven Deare

(Australian Associated Press)

Australia’s competition watchdog says it needs new powers to curb Google’s dominance in advertising technology that sells ads for sites such as YouTube.

The Australian Competition and Consumer Commission on Tuesday published the findings of an inquiry into advertising technology and claims publishers, advertisers and consumers are disadvantaged.

The search giant prevents rival ad technology services holding the millisecond auctions which determine the ads served on Google’s YouTube.

ACCC chair Rod Sims said a lack of competition meant higher advertising fees. This ultimately meant consumers would pay more for advertised goods, he said.

A spokesman for Google said its ad technology services helped publishers fund their work and enabled small business to reach customers. These technology services supported more than 15,000 jobs, he said.

The ACCC said its current powers were not enough to address the imbalance in the industry. It wants to ensure rival ad technology providers can compete. The watchdog also wants Google to tell publishers the outcomes of its ad server auctions.

The search giant would also be asked to show how the consumer data it collects benefit its ad technology services.

This data is collected from search, maps and YouTube.

Google has previously told the regulator its ad technology makes limited use of consumer data when bidding for ads on third-party websites.

Ads are not personalised using consumer data from Google’s email, translation, data storage or photos services, the company says. The ACCC report is focused on display advertising, which includes pop-ups and banners and videos, rather than search.

The findings of the report will inform a broader ACCC one on digital platforms, due next year.

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OCTOBER 2021 | FIND KNOX

5

Building Industry Gets Much-Needed Timber

By Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

A much-needed $15.1 million cash injection from the federal government will help alleviate critical timber shortages in the housing construction industry.

The new program will target timber on Kangaroo Island and support the transportation of bushfire-salvaged softwood to mills. Australian Forest Products Association CEO Ross Hampton said without the investment up to 10,000 house frames of timber would have been bulldozed and burnt. “At a time when our builders and home owners are desperate

for timber this would have been an extremely poor outcome,” Mr Hampton said. Housing Industry Association managing director Graham Wolfe said the residential building industry had been navigating its way through a period of record building activity.

But at the same time, the impact of COVID has put constraints on building materials and delayed the commencement of new projects.

“Timber supply in particular has been affected by a range of factors, including last year’s bushfires and skyrocketing global demand,” Mr Wolfe said. Master Builders Australia chief executive

Denita Wawn said it was a great move.

“The acute timber shortage is causing delays and cost increases that are hurting our members and negatively impacting their clients,” she said.

“Builders and tradies around the country will be breathing a sigh of relief.”

Housing Minister Michael Sukkar said the government was backing in the building and forestry industries to keep the economy growing and employing Australians.

“By ensuring our supply chains can support the pipeline of new builds, we are helping people get into their new homes as soon as possible,” he said.

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OCTOBER 2021 | FIND KNOX

5

COVID Update

OCTOBER 2021

International Travel To Resume In November

By Warren Strybosch

We all might be able to travel as early as next month based on the announcement by the Prime Minister in late September.

Victorians have suffered the severest of lockdowns in the whole world with Australians been barred from exiting the country without an exemption since March 2020, two months after the first COVID-19 case was recorded in the country.

The plan is two allow ACT, NSW, and Victoria to be the first of the cab and travel overseas.

However, with WA

Premier Mark McGowan flagging the state's borders would remain shut, certain flights to Eurpose, that require a stopover in Perth, will not resume until their border restrictions have lifted.

Press Club.

Under the national reopening plan, all restrictions on travel to and from Australia were to be lifted at an 80 per cent doubledose vaccination rate in the 16 and over population.

What is yet known is if a 'vaccination passport' will be introduced by the Federal Government.

Tourism Minister Dan Tehan wants to see borders open by Christmas.

"It's another reason why everyone should get vaccinated," he told the National

"We have to stick to the national plan that will see our international border open up - at this rate by Christmas at the latest."

This is likely to be the case as it is one easy way of increasing vaccination rates in a country so desperate to travel.

"I do empathise with the Australians who have been denied the opportunity to travel overseas this year.

Home Covid-19 Tests To Begin From November

By Matt Coughlan

(Australian Associated Press)

Australians will be able to self-test for coronavirus at home from November provided a series of hurdles are cleared.

Therapeutic Goods Administration boss John Skerritt is confident rapid antigen tests will be available in homes from November 1. While no company has a kit ready for the Australian market, he believes several stars will align before the date announced on Tuesday.

Professor Skerritt said all tests granted approval for home use needed to be tested against the Delta variant. “It does seem that some of the tests – and I don’t want to name particular products, but some of them are quite significant products – are much less sensitive against Delta,” he told a Senate committee.

The TGA also needs all test manufacturers to ensure instructions are suitable for about a year-seven level of reading or people for whom English is a second language. Packaging must include a 1800-number to ring for advice on results or other issues with rapid antigen tests.

“We are still confident, because we’ve been holding hands with some of the most advanced companies for a few weeks, that by November 1 there will be products available,” Professor Skerritt said. Home rapid antigen tests, which can return results in 20 minutes, have been used overseas for months.

But Australian authorities have been cautious in expanding use beyond selected workplaces because of concerns around accuracy compared to nose and throat swabs.

The TGA’s November 1 approval date has been chosen to allow legal changes, as well as factoring in higher vaccination rates and disease as Australia opens up.

State and territory governments would have the power to compel people who test positive at home to get a PCR test.

Health Minister Greg Hunt is confident some of the more than 30 tests already approved to be used under supervision will be converted to meet the conditions for home use. “This is an important additional protection for Australians,” he told reporters.

“One of the important things is that we can supplement what is known as PCR testing – the testing that we all know if we go to a Commonwealth or a state clinic – with the home testing.”

COVID Update

OCTOBER 2021

COVID-19 Relief Payments to be unwound

By Warren Strybosch

As Australia starts to reach its vaccination targets as part of the National Plan, the government believes it is time to start withdrawing the financial support they have been providing to many Australians since COVID hit our shores. With over $9 billion of payments made to date, and as borders start to reopen, and there is an end in sight to lockdowns, the government is hoping businesses will be able to rebound quickly and not require any additional support.

When we reach 70% full vaccination As soon as we reach 70% full adult vaccination in our state, the automatic renewal that has been in place will end and individuals will need to reapply each week to confirm their eligibility but only if a Commonwealth Hotspot remains in place.

When we reach 80% full vaccination As soon as we reach 80% full adult vaccination, the COVID-19 Disaster Payment will phase out over a two-week period.

Trigger Disaster payment per week

Trigger <70% vaccination*

Disaster payment per week $750 - lost 20 hours or more for that week $450 - lost at least 8 hours of work $200 - on income support and have lost at least 8 hours of work

70% vaccination*

Automatic renewal ends

80% vaccination*

Payment reduced from first week

Week 1

$450 - lost at least 8 hours of work $100 - for those on income support who have lost at least 8 hours of work.

One piece of good news is that the Pandemic Leave Disaster Payment will remain in place until 30 June 2022. This is paid when someone cannot work because they need to self-isolate or care for someone with COVID-19.

Support for business Each state and territory manages financial support to small business in different ways. For Victorian’s, the state government has distributed grants to businesses that have been jointly funded with the Commonwealth. For many of these grants, funding has been topped up in line with lockdown extensions.

The small business hardship fund providing one-off grants of $20,000 for businesses that have suffered a 70% or more decline in turnover and were not eligible for other grants or funding, will reopen.

The Business Costs Assistance Program will provide automatic top-ups to existing recipients across October and into the first half of November (two fortnightly payments between 1-29 October on a rising scale). Businesses that remain closed or severely restricted between 70% and 80% double dose will receive an automatic payment for the period from 29 October to 13 November.

Licensed hospitality venue fund recipients will also receive weekly top-ups in October of between $5,000 and $20,000, stepped according to venue capacity. Between 70% and 80% double dose, payments for licensed premises in metropolitan Melbourne will be reduced by 25%, and in regional Victoria by 50%.

Victoria is not expected to reach the 70% vaccination target until the end of October, and 80% in early to mid-November.

National The National Plan stipulates that interstate borders are to reopen at 80% double vaccination but this will depend on health advice at the time.

*First week population +16 years of age reaches vaccination target

Generally, international borders will reopen at 80% double vaccination with Australian and permanent residents able to quarantine at home for 7 days. Unvaccinated travellers will need to stay in hotel quarantine for 14 days. Commercial flights will also resume for vaccinated Australians with Australia expected to implement a ‘red light, green light’ system like the UK to designate safe countries.

Those needing financial support will no longer be eligible for the disaster payment, regardless of whether a Commonwealth hotspot is in place, and instead will need to apply for another form of income support such as JobSeeker.

The Western Australian Government continues to play it safe and has stated that it will announce an easing of border restrictions once an 80% double vaccination has been achieved for those over 12 years of age.

Week 2

$320 - lost at least 8 hours of work

OCTOBER 2021 | FIND KNOX

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COVID Update

OCTOBER 2021

Melbourne Lockdown Dates Summarised: 2020 financial year, 2021 financial year, 2022 financial year.

By Warren Stybosch

Melbourne Lockdown Dates will be of interest to you if you’re a taxpayer living in Melbourne. The COVID-19 pandemic will mean that you’ve likely had to work from home due to the various Melbourne lockdowns. Some Melbourne taxpayers have been working from home since 31st March 2020, possibly earlier. As accountants and tax agents in Melbourne, we’ve asissted taxpayers in working out their working from home tax deductions for the 2020 tax return and 2021 tax return. With the lockdowns extending into the 2022 financial year, we will no doubt be assisting with working from home tax deductions in the 2022 financial as well.

Melbourne Lockdown 3 dates: Saturday 13th February 2021 to Wednesday 17th February 2021. A total of 5 calendar days.

This excludes 1 Saturday and 1 Sunday. Total workdays during Melbourne Lockdown 3 is 3 days.

To be able to work out your working from home tax deduction you will need to keep a record of the days from which you work from home. Every taxpayer’s circumstances will differ and not all Melburnians will have worked at home on the same dates throughout 2020 and 2021 financial years. However, the following guide will assist you by outlining the Melbourne lockdown dates from 2020 through to August 2021.

Melbourne Lockdown 1 dates: Tuesday 31st March 2020 to Tuesday 12th May 2020. A total of 43 calendar days. This includes 6 Saturdays, 6 Sundays and two public holidays being Good Friday and Easter Monday.

Therefore the total workdays during Melbourne Lockdown 1 is 29 calendar days.

Melbourne Lockdown 4 dates: Friday 28th May 2021 to Thursday 10th June 2021. A total of 14 calendar days. This excludes 2 Saturdays and 2 Sundays.

Total workdays during Melbourne Lockdown 4 is 10 days.

Melbourne Lockdown 2 dates:

Melbourne Lockdown 5 dates: Friday 16th July 2021 to Tuesday 27th July 2021. A total of 12 calendar days. This excludes 2 Saturdays and 2 Sundays. Total workdays during Melbourne Lockdown 5 is 8 days.

Thursday 9th July 2020 to Tuesday 27th October 2020. A total of 111 calendar days.

This includes 16 Saturdays, 16 Sundays, and one public holiday being ‘Friday before the AFL Grand Final’ on Friday 23rd October 2020. Therefore the total workdays during Melbourne Lockdown 2 is 78 days.

Some Melbourne taxpayers, such as office workers, may have worked at their workplace during part of Lockdown 2 from 9th July, 2020 to Wednesday 5th August, 2020. From midnight Wednesday 5th August, 2020 a hard lockdown was imposed on metro-Melbourne whereby only essential and permitted workers could leave home to attend work.

Melbourne Lockdown 6 dates: Thursday 5th August 2021 to End date to be confirmed

COVID Update

OCTOBER 2021

Vaccine passports on track for October

By Matt Coughlan

(Australian Associated Press)

Australia will begin issuing coronavirus vaccine passports from next month as preparations to restart international jetsetting continue.

Travel is not expected to start until vaccination coverage for people aged 16 and over reaches 80 per cent, which is likely months away.

The first international immunisation certificates are set to be rolled out in October with the federal government also working with other countries to determine which vaccines will be recognised.

A spokesman for Stuart Robert, the cabinet minister in charge of digital and data policy, said further details would be released soon.

“The Morrison government continues to work towards vaccine assurance standards that will be one element of enabling vaccinated Australians to move and travel more freely,” he said on Wednesday.

In the US, people with proof they have had World Health Organisation-approved vaccines – including Australian-made AstraZeneca jabs – can self-monitor and get tested after entering the country.

People without approved vaccines must quarantine for a week.

All travellers arriving in Australia must complete two weeks’ quarantine regardless of vaccination status.

Prime Minister Scott Morrison said home quarantine would be key for restarting international travel with premiers asked to provide timetables about introducing the measure.

“Home quarantine is where we go next,” he said.

State governments are also forging ahead with plans to link vaccination status to check-in apps which would allow people to be allowed into venues.

Labor is calling for a nationally consistent approach with forgery protections and assurances about data accuracy.

Opposition frontbencher Amanda Rishworth said if the Morrison government had succeeded with the COVID Safe app a national system would be possible.

“We have to ensure that everyone has had the opportunity to get a vaccine, and that is just not the case at the moment,” she told Sky News.

Mr Morrison said vaccine certificates would be needed to enter pubs, cafes and sporting events as well as being crucial for travel.

NSW Premier Gladys Berejiklian is confident the Victorian border will be open in time for Christmas despite other states flagging hardline measures will continue.

“I have absolute confidence that there’ll be much more movement within Australia,” she told reporters in Sydney.

Australia has fully vaccinated 39 per cent of its over-16 population while almost 64 per cent have received a single dose.

Nine more deaths in NSW took the outbreak’s state toll to 148 with hospitalisations rising and another 1480 cases detected on Wednesday.

Victoria recorded 221 new cases, while there were 20 new infections in the ACT. Lockdown in regional Victoria – except Shepparton in the state’s north – will end on Friday morning but Melbourne will remain under heavy restrictions.

OCTOBER 2021 | FIND KNOX

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COVID Update

OCTOBER 2021

Fair Work Commission: Employers Cannot Fire an Unvaccinated COVID Employee

By Warren Strybosch

There has been a lot of talk about whether an employer has the right to fire anyone who does not get vaccinated or has not been vaccinated by a certain date. Basically, you cannot, and all employers should read the Fair Work Commissioners decision regarding this matter.

As of the 1st of October, many health employees will have been required to take their first vaccination otherwise they will either lose their jobs or be placed on leave with or without pay. By the 15th of many other employees across Victoria will have to have their first jab to retain their jobs. Already, we have heard of many employees quitting their jobs rather than having to take the jab whilst some employers are stating their employees cannot work if they do no. One school has seen seven teachers resign just prior to VCE Exams starting.

The principal of the private school is finding it very difficult to replace those teachers at such short notice.

The issue employers face, over the COVID jab, is a dire one.

Do they fire their employees and face potential legal action for unfair dismissal or retain their employees and hope they do not receive a fine from the government?

The ruling by the Fair Work Commission [2021] FWCFB 6015 dated the 27th of September, 2021, has stated that it is unlawful for employers to fire any employee on the grounds of that employee not being vaccinated in relation to COVID. The commissioner has, in their ruling, stated that the COVID vaccine is different to other types of vaccines in that those who have been vaccinated can still get COVID and pass COVID on to others. The COVID was never designed to stop people getting COVID or stop the transmission of COVID to others. As such, the commissioner has stated that a better way to manage the health and wellbeing of employees and customers, is to continue to test staff and customers as they enter the business premises. In testing staff, you will be able to determine very quickly who does and does not have COVID. Whereas no testing could still result in vaccinated staff having COVID and passing it on to others.

The Fair Work Ombudsman has publicly stated that employers will need to have a “compelling reason” before requiring vaccinations, and that “the overwhelming majority of employers should assume that they can’t require their employees to be vaccinated against coronavirus”. (emphasis added) Safe Work Australia has publicly stated that “most employers will not need to make vaccinations mandatory to meet their [health and safety] obligations”. (emphasis added) The commissioner has made it very clear that, for the most employers, it will be unlawful to fire staff if they choose not to take the COVID vaccine and she made it clear that employers who mandate vaccinations will be liable for any adverse reactions their workers may experience, given this is a foreseeable outcome for some people.

For employers, you are damned if you do and damned if you don’t.

To read the full decision and comments by the Commissioners go here: www.fwc.gov.au/documents/decisionssigned/html

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COVID Update

OCTOBER 2021

Dan’s Response After Fair Work Commissioner’s Decision: You Can Go Get F*Axxed.

By Warren Strybosch

receiving wages as this information now flows through Simply Touch Payroll and into employee’s MyGov accounts.

A new vaccine mandate has been announced by the Premier days after the Fair Work Commissioner has made public her The MyGov accounts also records who has and has not been decision regarding employers and their right to fire staff if they vaccinated. As such, it will be easy to identify who is receiving do not get the jab. Dan has basically come out and said ‘in wages without being vaccinated. your face’ to her decision.

Then there is the issue of unfair dismissals.

The Fair Work It is estimated that 1.25 million people will be now face the Commissioner has come out and categorical stated that for tough decision as to whether to get vaccinated and keep most employers there is no reason to fire someone if they have not been vaccinated and to do so is unlawful. So, we can their jobs, quit, or get fired by their employers. expect to see a significant rise in unfair dismissal claims being “Anyone allowed to leave their homes for work will need to made throughout 2021. We also expect that government will have their first jab, if they have not had it already. We think a face another class action over this matter either this year or next whole bunch of those people have already had a first dose. year.

And some will have had a second dose," Mr Andrews said.

"It's about protecting the freedoms that we're all trying to Premier Daniel Andrews said separate mandates for those like deliver and achieve, when we get to 70 per cent double dose, teachers and construction workers would not change. "This is picking up all of those who were not specifically the subject of and 80 per cent double dose." a vaccine mandate and making sure that they play their part in These employees have until the 15th of October to decide stopping the spread of this virus," he said. their own fates or have the decision made for them.

Government minister Jacinta Allan said new rules would apply Already we are hearing of people quitting their jobs because to workers moving between metropolitan and regional areas. they do not want to be forced to take the jab whilst some employers have indicated they will roll the dice, allow their Some workers who have had their first vaccine dose will be able unvaccinated employers to continue working, with the hope to move between both those parts of the state, she said. they don’t get a fine.

"That's for large-scale construction and the state critical projects Employers are really caught up in the middle of all of this. Most provided they also embark on an additional testing regime," Ms employers don’t want to see their staff leave and are willing Allan said. to risk their own livelihoods by not enforcing the mandate.

However, some employers see this as a good opportunity to "That includes surveillance testing and having a test at least twice a week to prove that they remain COVID free." get rid of certain staff and will not hesitate to fire them.

The issues employers face is a fine if they don’t obey or a claim In summary, essential workers will need to have their first jab by if they fire their staff. It will be easy to track who is working and the 15th and their second jab by the 26th of November.

OCTOBER 2021 | FIND KNOX

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COVID Update

OCTOBER 2021

COVID-19 Support: Tax Quick Guide A quick guide to the tax treatment of

Table Legends:

Australian Government payments and help during COVID-19 for:

Yes:

No:

Read more:

Individuals Business

For individuals: Support

For

Taxable

Next Steps

COVID-19 Disaster

Individuals unable to earn income

do not include in your tax return

Payments

because state or territory health orders

if you have already done so, you should

prevent them working in their usual

amend your return

employment

Pandemic leave

Eligible individuals unable to earn

disaster payment

income because they:

include as assessable income in your tax return

must self-isolate or quarantine at home

Services Australia will advise you of the

are caring for someone with COVID-19

amount received

JobKeeper

Employees of eligible businesses

include as assessable income in your

Closed on 28 March 2021

and not-for-profits significantly

tax return

affected by COVID-19 that receive

at ‘salary or wages’ or as an ‘allowance’

an amount of JobKeeper

(or top up) for employees

For Business: Support Recovery loans to

For Eligible applicants

support businesses

Taxable

Next Steps do not include as ‘business income’ in your tax return

Payments to support

Eligible businesses affected

payments are taxable, unless eligibility

businesses

by COVID-19

criteria are met that will cause the payment to be non-taxable, read more

affected by COVID-19

GST does not apply

(for example, NSW 2021 COVID-19 JobSaver payment)

State government

Participating businesses affected

include as ‘business income’ in your

voucher subsidy

by COVID-19

tax return

scheme

GST reporting applies

COVID Update

OCTOBER 2021

For Business: Support

For

Payroll tax relief

Eligible businesses

Land tax relief

Businesses provided land tax relief in states and territories impacted

by COVID-19

Rent releif

Commercial tenants in government-owned properties in some states and territories

Electricity rebates

Businesses offered the rebate

Taxable

Next Steps there are a range of factors you will need to consider, see Payroll Tax Relief

there are a range of factors you will need to consider, see Land Tax Relief

there are a range of factors you will need to consider, see Rent relief

do not include as ‘business income’ in your tax return reduce deductions for electricity by the rebate

Grants to support the

Eligible organisations in the

include as assessable income in your

creative economy

arts sector

tax return

Concessional loans to support the creative economy

Cash flow boost

GST does not apply

Eligible organisations in the arts sector

do not include as ‘business income’ in your tax return GST does not apply

Eligible small and medium businesses

do not include in your tax return,

and not-for-profits

read more

JobKeeper

Eligible businesses, sole traders and

include as ‘business income’ in your

Closed on 28 March 2021

not-for-profits significantly affected by

tax return

Child care Transition

Approved early childhood education

include as ‘business income’ in your tax

Payment

and care providers for 13 July 2020 to

return

27 September 2020

the payment is for a GST-free supply

Closed on 27 September 2021

COVID-19

Consumer Travel

Eligible travel agents and tour

include as ‘business income’ in your

Support

arrangement service providers

tax return

Applications closed on 13

GST does not apply

March 2021

OCTOBER 2021 | FIND KNOX

13

COVID Update

Metro Melbourn

Victoria’s Roadmap: Deliver Summary of proposed restriction levels - How we work

Note 1: The settings below are indicative only and subject to change. All changes to the Chief Health Officer’s Directions are based on public health advice (includin

the specific risks to public health and changes/measures proposed. All directions must be reasonably necessary to protect public health and the Chief Health Office

Note 2: Cleaning, signage, record keeping, and other COVIDSafe requirements for work premises continue to apply for all venues and facilities with onsite operations to the public.

Note 3: All proposed easings from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination sta Note 4: APAW List will be dissolved at 70% 16+ fully vaccinated

Note 5: All proposed easing from 80% fully vaccinated (indicatively 5 November) are dependent on the ability for venues and employers to confirm vaccination stat

National Plan: Phase A Category

Travel

National Plan: Phase B

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Intrastate travel: • Must not travel further than 15km from place of primary residence, except for permitted reasons

Intrastate travel: • Must not travel further than 25km excep permitted reasons

Intrastate Borders: • May introduce new reduced quarantin arrangements for vaccinated residents from interstate (National Plan)

Education and Childcare

Work: • Only workers on the Authorised Provider and Authorised Worker (APAW) List may leave home to work.

Work: • Must work from home

Early childhood education and care: • Open to vulnerable and children of single parents and APAW workers.

• Only one parent or guardian (if two parent / guardian family) is required to be on the APAW List, either working away from home or working at home but no alternative supervision.

Early childhood education and care: • Open to children already attending • Open for children with fully vaccinated parent(s)

Schools: • In addition to children of Authorised Workers and vulnerable children • On 5 October, GAT students • From 6 October, on-site learning for VCE Unit 3/4, final year VCAL and IB students • From 18 October, on-site learning for: • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • Out of school hours care operating all days • On-site learning must have safety measures in place

Schools: • Vulnerable children • VCE Unit 3/4, final year VCAL and IB stud • Prep (Monday - Wednesday) • Year 1 & 2 (Thursday – Friday) • From 26 October, on-site learning for: • Years 3 & 4 (Tuesday – Wednesday) • Years 5 & 6 (Thursday-Friday) • Year 7 (full-time, five days) • Years 8 & 9 (Tuesday – Wednesday) • Years 10 (Thursday-Friday) • Years 11 (full-time, five days) • Out of school hours care operating all • On-site learning must have safety meas place

ne

OCTOBER 2021

ring the National Plan

ng epidemiological evidence) and legal advice (including as to compatibility with the Charter for Human Rights and Responsibilities) at the relevant time, in light of

er (or delegate) must act in a way that is compatible with the Charter for Human Rights and Responsibilities.

s as per Workplace Directions and Workplace (Additional Industry Obligations) Directions. Density quotients (DQ) apply to all venues and spaces that are accessible

atus of patrons and employees, respectively.

tus of patrons and employees, respectively.

National Plan: Phase C

National Plan: Phase D

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

gy at the time

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

pt for

Intrastate travel: • Allowed

ne returning

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Intrastate Borders: • May exempt vaccinated residents from all domestic restrictions (National Plan); Work: • Work from home if you can OR, • Go to work if you are fully vaccinated • DQ2 for areas non-accessible to public Early childhood education and care: • Open

d

dents

Schools: • On site learning for all levels with safety measures in place

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

sures in

OCTOBER 2021 | FIND KNOX

15

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Adult education: • Closed, remote learning only.

• Final exams to proceed enabled by APAW List.

Adult education: • Must learn from home, on-site learning f on, skills-based learning • Final exams to proceed enabled by APA prior to 26 October.

Places of worship

Religion: • No in-person gatherings permitted. Broadcast permitted (maximum 5 people in attendance).

Religion: • Fully vaccinated: Outdoor only DQ4, 50 • Unknown vaccination status: Outdoor o cap

Physical recreation

Physical recreation & community sport: • Outdoor personal training allowed with up to two people plus the trainer, or if fully vaccinated then up to 5 • Outdoor facilities open for contactless recreation • Five people allowed to broadcast workout instructions at a gym

Physical recreation & community sport: • Fully vaccinated: Outdoor only 50 cap, • Community sport permitted outdoors on training. Minimum number required for public gathering limits apply • Change rooms closed

Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Closed, exceptions for hydrotherapy for essential medical care.

Swimming pools, spas, saunas, steam ro springs (indoor and outdoor): • Fully vaccinated: Outdoor only, DQ4, 50 • Changing rooms closed • Indoor pools, saunas, steam rooms clos exceptions for hydrotherapy for essentia care.

Community Facilities

Community Facilities: • Closed, unless hosting an essential public support service • Permitted for groups of 10 for essential support.

• Permitted to remain open for ‘click and collect’ purposes to facilitate loaning, and returning books, toys, and other items from these facilities

Community Facilities: • Fully vaccinated: Outdoor only, DQ4 50 • Hosting an essential public support serv permitted • Permitted for groups of 10 for essential s (vaccinated status does not apply).

• Can remain open ‘click and collect’

Creative Studios

Creative Studios: • Closed

Creative Studios: • Fully vaccinated: Outdoor only, DQ4, 50

Category

Education and Childcare

& sport (Includes indoor playcentres, indoor skateparks and indoor trampoline centres)

Swimming pools, hydrotherapy pools, spas, saunas, steam rooms, springs

map: Delivering the National Plan

gy at the time

for hands-

AW List from

cap only DQ4, 20

DQ4 nly for spectators

ooms and

0 cap

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

Adult education: • Learn from home if you can, on-site learning for hands-on, skills-based learning AND, • On-site if you are fully vaccinated, DQ4

Religion: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Unknown vaccination status: Outdoor only DQ4, 20 cap Physical recreation & community sport: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Community sport permitted indoors and outdoors with minimum number required for spectators public gathering limits apply

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Outdoor seated physical recreation and community sport: • Fully vaccinated: Lesser of 25% or 5000 per venue • Significant venues to be considered for larger crowds Swimming pools, spas, saunas, steam rooms and springs (indoor and outdoor): • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

sed, al medical

0 cap vice

Community Facilities: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

support

0 cap

Creative Studios: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

OCTOBER 2021 | FIND KNOX

17

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Category

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Entertainment and

Entertainment venues: • Closed • Up to five people can attend an entertainment venue to broadcast a performance.

Entertainment venues: • Fully vaccinated: Outdoor only, DQ4, 50

Arcades, escape rooms, bingo centres: • Closed

Arcades, escape rooms, bingo centres: • Outdoor only 50 if fully vaccinated, DQ4

Drive-in cinemas: • Closed

Drive-in cinemas: • Open patrons must remain in cars unles accessing takeaway food or toilets

Amusement parks: • Closed

Amusement parks: • Fully vaccinated: Outdoor only, DQ4, 50

Casino: • Closed

Casino: • Indoor closed

Retail betting venue: • Closed

No change

Electronic gaming: • Closed

No change

Leisure

Entertainment and Leisure (cont)

Animal facilities (zoos): • Fully vaccinated: 25% capacity, indoor closed

map: Delivering the National Plan

gy at the time

0 cap spaces

4

ss

0 cap

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

Seated indoor and non-seated indoor entertainment venues: • Fully vaccinated: Indoors DQ4 and 150 cap per space.

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Outdoor seated entertainment: • Fully vaccinated: Lesser of 25% or 5000 per venue.

Indoor spaces DQ4 and 150 cap.

Outdoor non-seated entertainment (for example animal facilities): • Fully vaccinated: 50% capacity, indoor spaces DQ4 150 cap.

State significant venues to be considered for larger crowds Arcades, escape rooms, bingo centres: • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap Drive-in cinemas: • Open, hospitality limits apply

Amusement parks: • Fully vaccinated: Indoors DQ4 and 150 cap per space, outdoors DQ2 500 cap per space Casino: • Fully vaccinated: Indoors DQ4 and 150 cap per space Retail betting venue: • Open with DQ4

Electronic gaming: • Remain seated • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap • Caps are not in addition to hospitality limits

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

OCTOBER 2021 | FIND KNOX

19

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

General retail

Essential retail: • Open, DQ 1 person per 4sqm Other/general retail: • Closed (contactless click and collect/delivery only).

Auction houses: • Closed (open for online only).

Essential retail: • Open, DQ 4 Other/general retail: • Open for outdoor service only (plus con click and collect/delivery).

Auction houses: • Closed (open for online only).

Hairdressing, beauty,

Hairdressing, beauty, personal care: • Closed

Hairdressing, beauty, personal care: • Fully vaccinated: indoors DQ4 and 5 pa

Food and drink facility • Open for take-away only, masks cannot be removed to consume food and drinks in shopping centres.

Food and drink facility • Seated service only • Fully vaccinated: Outdoor only, DQ4, 50

Food courts: • Closed • Takeaway only, mask cannot be removed indoors to consume food or drink

• No Change

Accommodation: • Closed, unless for permitted reasons, or shelter in place.

• No new bookings except for authorised reasons.

• An authorised worker is allowed to book accommodation if they are required to travel for their work irrespective of them being a Victorian resident or not

Accommodation: • Open for household, intimate partner a buddy

Category

personal care

Hospitality

map: Delivering the National Plan

gy at the time

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

All Retail: • Open, DQ 4

ntactless

atron cap

0 cap

and bubble

Hairdressing, beauty, personal care: • Fully vaccinated: indoors DQ4 and 150 cap

Food and drink facility • Open for seated service only • Small venues: up to 25 people if fully vaccinated before DQ applies • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Food courts: • Takeaway only, mask cannot be removed indoors to consume food or drink

Accommodation: • Open in line with private gathering limits

OCTOBER 2021 | FIND KNOX

21

COVID Update Category

Real Estate Services

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Real estate: • Single household can inspect vacated property (with agent outdoors) for end of lease or new purchase

Real estate: • Inspections: Single household can inspe vacated property (with agent outdoors of lease or new purchase • Commercial: single business permitted vacated premises (with agent outdoor) lease or new purchase • Marketing and staging services permitt

Auctions: • Fully vaccinated: Outdoor only, DQ4, 50

Tours and tour

Tours (e.g. walking tours, cycling tours): • Closed Tour transport (e.g. tour buses) • Closed

Tours (e.g. walking tours, cycling tours): • Fully vaccinated: Outdoor only, DQ4, 50 Tour transport (e.g. tour buses) • Closed

Visitor restrictions • No change

Visitor restrictions • Easing of Visitors restrictions

Hospital Visitors

Visitor restrictions • No change

No change

Veterinary and pet

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings.

• In home services permitted.

• High risk industries to retain controls

Construction

No change – APAW list and restrictions remain in place

• Open with workforce caps increased 50 workers have all had their first dose vac • Other additional obligations otherwise unchanged • Vaccine mandate in place

Waste Services

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Wholesale trade &

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

transport

Care Facilities Visitors

care services

Repairs, maintenance and cleaning

warehousing

map: Delivering the National Plan 80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

gy at the time

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

ect s) for end

Real estate: • IFully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500 cap

to inspect ) for end of

ted

0 cap

: 0 cap

0% where ccination

Tours (e.g. walking tours, cycling tours): • Open • Fully vaccinated: Outdoor only, DQ4, 50 cap Tour transport (e.g. tour buses) • Open • Fully vaccinated: Indoors DQ4 and 150 cap, outdoors DQ2 500

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

Visitor restrictions • Easing of Visitors restrictions Visitor restrictions • Easing of Visitors restrictions • Open with COVIDSafe settings.

• Open with COVIDSafe settings and additional obligations

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

OCTOBER 2021 | FIND KNOX

23

COVID Update

Victoria’s Roadm

Returning Students to the Classroom

70% of 16+ fully vaccinated

Category

Indicative date: 5 October 2021Subject to Public Health consideration of epidemiology at the time

Indicative date: 26 October 2021 Subject to Public Health consideration of epidemiolog

Supermarket and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Agriculture

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Postal distribution

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Ports and freight

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Meat and seafood

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations • DQ 4

Manufacturing

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Professional sport

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4 • Abide by venue limits

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Courts

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ2

Commercial

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings and add obligations

Public transport

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings

Emergency and

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Mining

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

Utilities

No change – APAW list and restrictions remain in place

• Open with COVIDSafe settings • DQ4

food distribution

processing

and racing Arts and recreation services Media and film production

passenger vehicles

safety service Defence and national security Healthcare and social assistance

map: Delivering the National Plan

gy at the time

80% of 16+ fully vaccinated

80% of 12+ fully vaccinated

Indicative date: 5 November 2021 Subject to Public Health consideration of epidemiology at the time

Indicative date: Two weeks later Subject to Public Health consideration of epidemiology at the time

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

• Open with COVIDSafe settings and additional obligations • DQ2

ditional

For all settings, align with National Plan to transition Australia’s National COVID-19 Response

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings and additional obligations • Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings

• Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2 • Open with COVIDSafe settings • DQ2

OCTOBER 2021 | FIND KNOX

25

26

FIND KNOX | OCTOBER 2021

www.findknox.com.au

Be Wary of Property Spruikers and Fake SMSF Advisers ACCOUNTANT

By Warren Strybosch

If you have anything to do with a SMSF you, like me, are seeing a proliferation of Facebook ads promoting the use of a SMSF to purchase your home.

This ads are misleading as you cannot purchase your home which implies the house you live in. You are not allowed to purchase assets that you will personally use or gain benefit from directly or indirectly.

ASIC is also getting tired of property spruikers who are targeting individuals to set up SMSF for the sole purpose of investing in property investments and developments.

As an example, the corporate regulator, back in August, commenced Federal Court proceedings alleging a property development company provided unlicensed advice around SMSFs. In a statement, ASIC said it had issued Federal Court proceedings alleging the roperty group operated an unregistered managed investment scheme and provided unlicensed financial advice to consumers.

Recently, a Victorian man who posed as an adviser and stole more than $2.7 million in life savings from relatives and associates through SMSF rollovers has been sentenced to eight years in jail. The advisor was sentenced to eight years and four months in jail.

Court documents reveal the fake advisor had used SMSFs as the primary vehicle in conducting several superannuation rollovers, which were set up to defraud victims. Once having access to the client’s funds, he took those funds and used them for his own personal use. He would then invite others to set up similar SMSFs, and use their money to pay back ‘dividends’ to the previous investors to make it look like they were getting a return. It was another classic “Ponzi Scheme” built around SMSF investors.

In victim impact statements, it was revealed the fake advisors actions had inflicted mental, emotional and physical harm, with most victims and their families were left in a position worse than ever before financially.

In the judgement, Justice Trapnell said the level of dishonesty that was shown towards close family members and others was “nothing short of breathtaking”.

The action follows the regulator obtaining asset freezing orders against the directors of the property group.

“Your crimes were sophisticated, well planned and executed and involved sustained fraudulent conduct on your part. While there was an element of ‘robbing Peter to pay Paul’, your motive for committing these crimes was also to support your lifestyle,” Justice Trapnell said.

"ASIC alleges that between at least 1 March 2017 and 16 December 2020, [the directors] encouraged around 300 investors to establish SMSFs and invest in property investments and developments…," ASIC said.

“The funds you defrauded were very quickly dissipated, and there is no evidence, on the agreed facts, that, in most cases, you ever intended to ever reimburse or otherwise compensate your victims.

"ASIC is seeking winding up and disqualification orders and the appointment of liquidators and receivers to secure assets of the alleged scheme."

“While it is true some of your victims were not unsophisticated in matters of business and investment, they were nevertheless easy prey to your appallingly dishonest conduct. Some of your other victims were quite vulnerable.

This property group is now permanently closed for business.

Regarding financial advisors, it is important to make sure that they are licensed and have the appropriate qualifications.

“They have all suffered greatly as a result of your depravations, some losing their life savings. The serious breach of trust you owed to your family members and clients is a significant

www.findknox.com.au

OCTOBER 2021 | FIND KNOX

aggravating feature of these crimes.

When you are approached to set up a SMSF but property spruikers, an accountant, and/or a financial advisor, it is important to check if that person or group are qualified to provide such advice in the area related to SMSF. One way to check if someone has the correct license and appropriate qualifications is to visit the ASIC Professional Register. The Professional Register enables you to check if the person has a Financial Services Licensee or is an Australian Financial Services Authorised Representative. You can then click on the ‘Go to the Financial Advisor Register’ which will take you to the Money Smart website and provide details about the advisor. What you are looking for is to see if the advisor, under the product areas they can advise, has listed under ‘Superannuation’ the following wording: ‘Superannuation – All’.

27

able to provide SMSF advice, are required to have a minimum bachelor’s degree in financial planning (or at least trying to obtain it by 2026), have passed the FASEA Exam by the end of this calendar year, and be either licensed or an Authorised Representative of an AFSL. If they do not meet these criteria, then we strongly recommend you do not deal with them.

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

Warren Strybosch

The last thing to do is to ask if they have any specific qualifications related to SMSF. Please keep in mind that having the SMSF Specialist designation from the Association of SMSF, is not enough. All financial planners, those who are

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

Company Director Identification Number – Dates Have Been Set Directors of new companies are required to obtain a directors ID but application deadlines have now been extended. For current directors the date has been set.

The ABRS is responsible for the implementation and administration of director ID. ASIC will be responsible for the enforcement of associated offences.

The Government has issued Legislative instrument Corporations (Director Identification Numbers—Transitional Application Period) Instrument 2021. It extends the application period in which new eligible officers are required to apply for a director identification number (director ID) if the individual becomes an eligible officer in the period starting when the director ID legislation commenced and ends 31 October 2021.

Visit the ABRS website for more information on how to register for a Director ID

Director identification number From November 2021, new directors will need to verify their identity as part of a new director ID requirement.

A director ID is a unique identifier that a director will apply for once and keep forever.

This applies to directors if their organisation is a company, registered foreign company, registered Australian body or Aboriginal and Torres Strait Islander corporation.

Directors must apply for their director ID themselves because they will need to verify their identity. No one can apply on their behalf.

It is important to note that when registering for a director ID you must obtain a MyGovID account which is different to your current MyGov account – just to add to the complexity of it all we will have multiply MyGov accounts.

For Existing company directors, they will now be required to apply for a director ID by 30 November 2022, while directors of Indigenous corporations that are governed by the Corporations (Aboriginal and Torres Strait Islander) Act 2006 (CATSI Act) will be required to apply for the unique identifier by 30 November 2023.

The deadline, first floated by Treasury earlier this year, has now been confirmed in a legislative instrument made last week by the Minister for Superannuation, Financial Services and the Digital Economy, senator Jane Hume.

Applications for a director ID are free and will open next month on the newly established Australian Business Registry Services (ABRS), a single platform administered by the Commissioner of Taxation that brings together ASIC’s 31 business registers and the Australian Business Register.

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

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

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

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

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

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

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

1300 88 38 30

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

OCTOBER 2021 | FIND KNOX

27

28

FIND KNOX | OCTOBER 2021

www.findknox.com.au

Budgeting For Your Business Insurance Program During COVID risk than others, any ballpark figures are likely to be highly inaccurate. Keeping that in mind, some restraint with nonessential spending to give you a buffer in your budget may be in order.

GENERAL INSURANCE

By Craig Anderson

Business owners often face challenges meeting the regular demands on their cash flow. Payroll, rental, vehicle costs and insurance are expenses that are dynamic in nature, and seldom link neatly to the official inflation rate. Payroll may be affected by market conditions where a shortage of skilled labour can lead to sharp increases in hourly rate. Rental increases are generally capped under a lease, however if having to relocate, the going rate for a suitable premises may be more expensive due to a shortage of suitable buildings.

Insurance too can suffer from a “shortage” of available capacity from insurers. Several factors which can contribute to this are changes in Insurer risk appetite, loss ratios in an industry sector, falling interest rates and increasing costs relating to statutory requirements. This has been the case for some time and has produced conditions referred to as a “Hard Market”.

So what approach should clients take when planning for the year ahead? Assuming your occupation is not considered “uninsureable”, it is best to assume that even if your turnover has fallen this will not necessarily lead to a lower premium.

If your occupation has had premium increases last year, it would be fair to say you should expect at least a similar rise again if not a greater one this year.

Nobody can say for sure what a fair budget increase should be, and given that some occupations are rated as a higher

After all, without the insurance policies in place to transfer risk away from the business and the directors, your assets are at risk. I would argue that insurance is one of, if not the most important cost in any business, and essential cover should not be sacrificed due to tight cash flow.

So if you are worried about your next large renewal payment, have a talk to your broker now, and consider premium funding options to “bill smooth” your way past a budget bottleneck.

Options which may help to reduce premium cost may include cutting away an activity which is high risk and low profit, as this may be one reason the cost increases are so financially hurtful. Increasing risk management, and adding additional security or decreasing stock on hand may also contribute to lower premiums. Other strategies can be employed, however they are best discussed with your broker on an individual basis.

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

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.

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CRAIG ANDERSON GENERAL INSURANCE

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

ABN: 26689211803

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29

Why Paying Super Late Can Eat Up Your Business BOOKKEEPER

By Neha Nayyar

In business, just like in life, there are some ‘must do’s’ and then we all have a wish list of ‘nice to have’. When it comes to paying your employees superannuation, this is an absolute must do! The ATO have been coming down hard on businesses who do not comply, and ensuring employees are receiving the superannuation they are entitled to. The ATO completes regular audits, however in most cases, they are tipped off by employees (past and current) that their super payments have been missed, which is where costly investigations start.

If you are a small business owner, missing these payments can absolutely end up chewing through your bottom line- and for some businesses caught out doing the wrong thing for too long, it can ultimately destroy the business. It is imperative you budget for these superannuation payments and stay educated and informed about your responsibilities and any changes.

What are the fees for not paying on time?

If you declare this before the SGC deadline, the interest will be around 10%, plus a $20 fee per employee. If you do not declare, these fees can increase to a maximum of 200%! If you are a Director of a company, you are personally liable for the amount outstanding and the ATO can collect the penalty by other means (such as withholding tax refund). The fees and interest charged are not tax deductible.

How much is the Superannuation Guarantee currently?

help with this, you could enlist the help of a bookkeeper to take care of this for you, or at Sum and Substance, we can also provide you with training, tailored to your business so that you have clear directions and understanding on how to do it correctly and without penalty each quarter.

Where do I go if I need more information?

The ATO has a wealth of information which you can access online, however if you want tailored guidance for 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.

The current amount of superannuation guarantee- the amount employers must pay the super fund on top of their wage is currently 10% (This went up from 9.5% on the 1st July, 2021). The superannuation payments must be paid to a compliant fund within 28 days of the last quarter.

I can’t afford to pay this quarter?

Penalties immediately apply- both an administration cost and interest payments. If you cannot pay, you must lodge a SGC (Superannuation Guarantee Charge) form with the ATO within 28 days of the due date of the missed payment. You can then work with the ATO on a payment plan however fees and interest will still apply.

How can I avoid getting into trouble with paying superannuation?

When employing staff, you need to factor in their superannuation costs, payroll tax etc into your budgets, and just like you pay their salaries, you need to put the superannuation away, ready to pay their fund quarterly. If you need

Neha Nayyar Bookkeeper SUM AND SUBSTANCE www.sumsubstance.com.au 0401 409 573

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CREDIT SCORE – WHAT IS IT AND WHY IS THIS IMPORTANT WHEN APPLYING FOR A LOAN? Similarly, accessing any interest-free deals with retailers such as Harvey Norman will generate another credit facility which can negatively impact your credit score if not managed correctly.

MORTGAGE BROKERING

By Reece Droscher

A common reason why applications submitted to lenders get declined is because of an applicant’s credit score.

A credit score is typically a number between 0-1,200 and is made up of several criteria – credit conduct history, the amount of credit enquiries, the type of enquiries made and the length of time the applicant has had access to credit.

The higher the score, the more creditworthy you will appear to lenders. So how does this affect your ability to borrow money? To understand this we will look at each criteria in detail.

1. CREDIT CONDUCT HISTORY The most important element to a good credit score is the repayment history on any existing loans or credit cards.

This gives the lender a very good idea whether the applicant has been able to manage their finances effectively. Since the introduction of comprehensive credit reporting last year lenders are armed with more information on an applicant’s repayment history than ever before.

If there is any history of late or missed payments this will now be captured and will negatively affect the credit score.

Late or missed payments take around 30 days to be reported to the credit agency who manages this information, but this stays on your record for seven years, so poor repayment history may affect your ability to access finance for a long time.

2. THE NUMBER OF CREDIT ENQUIRIES How often you apply for credit will also have an effect on your credit score.

Lenders lodge an enquiry on your credit report whenever you apply for certain types of credit, such as a Home Loan, Personal Loan and credit card. The numbers of enquiries, particularly where you lodge several applications with different lenders for the same transaction, may indicate that you are desperate for funds or have been declined by other lenders. Large numbers of enquiries will have a negative impact on your score.

3. THE LEVEL OF DEBT The amount of debt you have available, when compared to your income level, is considered when determining your

credit score. Lenders use a calculation, known as DTI (Debt to Income Ratio) to work out whether an applicant can afford to repay a new loan. This also takes into account existing credit limits that an applicant may have but also may not be fully utilizing.

For example, having a credit card with a $20k limit means the lender has to consider the effect on an applicant being able to afford the repayments on a new loan, even though the applicant may not owe anything on the credit card. Because the applicant is not fully utilizing the card the credit score will not necessarily be affected adversely, but if the applicant was regularly maximizing the credit limit and slowly paying the debt down the lender would see this as a red flag when it comes to affording any new debt repayments.

Lowering your debt levels by paying loans off or reducing available credit limits will improve your credit score.

4. THE TYPE OF CREDIT ENQUIRIES The use of buy now, pay later services like Afterpay and Zippay has been increasing significantly since they entered the Australian market. What a lot of people do not quite understand is that these facilities are a type of credit, and some of these providers will conduct an enquiry on your credit report to determine whether to provide you with a purchasing limit. Having a number of these enquiries on your report may have an effect on your credit score, particularly if there are any missed or late payments that are reported.

Having multiple buy now, pay later facilities can also be a red flag to a lender, especially if they are being utilised regularly and significant payments are being made to cover the debt.

5. THE AGE OF CREDIT HISTORY The length of time an applicant has had access to credit may also have an impact on the credit score. If an applicant has had a credit facility for a number of years and has maintained a regular repayment schedule, with consistent on-time payments, this will provide the lender with surety that the applicant can manage their finances well and make payments. This will impact positively on the credit score.

HOW DO I IMPROVE MY CREDIT SCORE There are a few ways in which you can help to improve your credit score, therefore increasing your chances of having an application for finance approved. These include: • • • • •

•

Make sure your repayment history is clear of late or missed payments.

Avoid submitting multiple applications for finance.

Do not max-out credit card limits.

Understand your budget and regularly review your credit facilities.

Cancel any unused credit you may have. Get rid of any old, repaid credit cards that you may have accumulated over time.

Regularly check your credit report to ensure there are no enquiries made that you are unaware of. There are many service providers offering the ability to access free credit checks so a simple Google search will help you find out how to access your score.

Reece Droscher MORTGAGE BROKER www.shlfinance.com.au

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This might be easier said than done right now yet love and understanding helps us feel safe and secure in moving forward in our lives.

Love, Compassion and Togetherness trumps Anger and Divide!

PARENTING

By Lesley-Anne Banton

With so much divide and civil unrest it is a time to come together despite how we individually choose to experience and perceive the world right now. Life is tough enough without the divide of our personal point of views around covid.

What if we could show compassion, love, and respect, despite our differences of opinions? Could the journey out of this psychologically and emotionally could be through love, compassion, and togetherness?

On many levels and areas in life, there is stress right now and most of it comes from FEAR showing up when COVID showed up.

ET is an iconic film of an extra-terrestrial showing up after being left behind and his journey to get back home. The journey to get home for him was scary, unknown, and filled with uncertainty about the place he had been left behind in. He learns to trust those around him overcomes his fear, likewise, the humans around him build trust in him, rally around in love and compassion to keep ET safe and get him home. Likewise, there were a group who fear him, hunted him, wanted to capture him.

If we use ET as a symbol that represents our fear showing up having been triggered by the uncertainty of COVID being present in our lives and not knowing what could happen when this might leave us, and what it could do while it is here.

What is that your fear might need, in this unknown time?

Fear is a part of you that can do unpredictable things to your thinking, perception, and actions, it can be a part of you that you shame, a part of you that you might be scared of as it might be alien to you, or let it become part of your identity when it never used to be.

How might your fear/ anxiety/ stress react to being on an unknown world – the world of covid and being screamed at, feared? What might it need to feel safe? What might it need to be ok with being there and understood?

In the film, ET quickly built trust with those around him, and without a full understanding of words, he felt love and secure enough to put trust in those around him to help him get home. It was love, compassion and togetherness that go him home.

How might you help yourself, your fear/ stress/ anxiety get back home? home to love trust and understanding?

This can be also true with many right now, as they are in panic and want to contain, ignore, or destroy their fear.

Fear and panic can be paralysing, it can cause you to run away from those trying to help you and towards those who don’t. Fear can also dominate your thoughts and prevent you from moving forward because you feel unsafe, unsure and can also make decisions that you wouldn’t normally make and be someone you normally wouldn’t be.

It was understanding, trust, compassion, and love that helped ET get home.

What could help you to get back to a place that you know you are home within yourself? Is it love? Compassion?

Understanding of where you are at?

So how can we move from fear to love?

Notice Awareness Focus In fear we might feel withdrawn, we might believe we have no choice, we are stuck, hopeless, attacked, angry, or in procrastination. We might also be forthright, overstep other people’s boundaries with words or actions. We might make irrational decisions and statements, act in a way to ‘protect' ourselves but hurt or disrespect others in the process, our bodies might feel a bit off, low in energy, or feel we want to take flight. Whatever it is for you one of the first steps is to NOTICE this. Notice where your thoughts and thinking are at, how your body is feeling, what are your actions doing?

Once you empower yourself with noticing yourself, your thoughts, emotions, and feeling are you give yourself the gift of awareness. With this AWARENESS, you can put words and understanding to where you are at and what state of mind and emotions you are in. You can then choose to change your thinking and focus to bring you back to love.

In this space ask yourself: • • • •

What would love do?

What would compassion do?

If I was in a state of love or certainty, what would I do? What would I think? Feel? Act? What if I showed compassion to those who have a different perception and opinion?

As you are asking yourself these questions breathe and FOCUS on yourself, calm your breathing and notice your body calming, bring thoughts of love, kindness, joy, gratitude, or whatever words bring a sense of calm and peace to you.

By bringing yourself back to a place of love and out of a state of fear you can navigate your world differently more empowered, and you could help those around you come back to a place of love come back to a place of feeling like home within themselves, bring back a sense of togetherness.

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MENTAL HEALTH FOCUS IN THE PERINATAL PERIOD: PART 2 LACTATION CONSULTANT

By Dr. Joanna Strybosh

Perinatal health encompasses the time from pregnancy up to 1 year after the birth of your baby. In last months edition we began by looking at the signs and symptoms of postnatal depression (PND) and anxiety (PNA) and how parents describe the experience of these conditions.

We know that as many as 1 in 5 mothers and 1 in 10 fathers experience PND and PNA in Australia every year, and many experience both at the same time.

Postnatal anxiety and depression can be frightening, confusing and isolating.

Many parents with PND/PNA have said that it was difficult to distinguish what were “normal” thoughts and feelings and what where not.

Furthermore, many parents do not want to disclose their true thoughts and feelings, which keeps them from receiving the treatment they might otherwise need. Stigma around mental health illness, shame and guilt about “being a bad parent” can often keep parents from talking to their loved ones about what they are going through.

And many who know they could do with some help find it very difficult to raise their concerns with their health care professionals.

But the sooner parents get help, the sooner they can recover.

So where do you turn for help?

PANDA’s National Perinatal Mental Health Helpline is Australia’s only free, national helpline service for women, men and their families affected by perinatal mental illness.

The Helpline provides a safe and confidential space for any new or expecting parent struggling with the challenges of becoming a new parent.

Their highly trained and caring counsellors can help you work through your challenges by talking openly and honestly about your thoughts, feelings and experiences.

The Helpline is safe, secure and confidential. You can call from home, without needing to make an appointment or leave the house. Or you can call from your mobile while on the move.

Photo Credit: Motrek Bali, via Unsplashed

As well as providing comprehensive support from skilled counsellors, the Helpline can also provide information about other services in your area. This includes local medical services, mental health services and family services. The Helpline can connect you with these services. Call PANDA’s Helpline on 1300 726 306 For online help from PANDA go to • •

panda.org.au howisdadgoing.org.au.

Other recommend include:

online

resources

Websites • • • •

COPE website at cope.org.au What Were We Thinking website at whatwerewethinking.org.au Mum Space website at mumspace. com.au Baby Steps website at babysteps. org.au

Online programs • •

MumMoodBooster is an evidencebased treatment for mums with mild to moderate perinatal depression Baby Steps is an online program to support transition to parenthood.

Apps • •

Mind the Bump is a mindfulness app for use during pregnancy and early parenthood depression • MindMum (for information see mu m s p a c e.c o m .a u / w h e n - you need-extra-help)WWWT (What Were We Thinking — for information see whatwerewethinking.org.au).

If this article has raised any concerns for you, please go to panda.org.au and take the online mental health check, and call PANDA’s National Perinatal Mental Health Helpline1300 726 306 9am – 7.30pm Mon – Fri(AEST/AEDT) You can call for yourself, or someone you’re concerned about. No diagnosis is needed to call.

For further help, please speak to your doctor, lactation consultant or maternal child health nurse.

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

Lactation Consultant CHILDREN’S OSTEOPATHIC CENTRE 9876 3011 www.childrensostheopathiccentre.com

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Interior Home Colour Trends For 2022 Interior paint colours, unlike diamonds, are not forever. So, unless you love painting the inside of your home every year, the colours you choose will be around for a long time. For good reason, the most popular choices tend to be neutrals as they make a fantastic base on which to build your interior colour scheme, and they don’t date as quickly.

Beware of choosing colours that are the latest fad. Think of orange and dark brown – yes, that was the seventies. Do you really live in a home that look dated within a few years?

ARCHITECT

By Kathy Ismail

During the Covid lockdown, have you been staring at the same four walls, and thinking they need brightening up? With the weather warming up and the days becoming lighter, homeowners often use spring as the time to repaint the interior of their homes.

A fresh coat of paint can reinvigorate the whole house, or even just one room.

Breathe new life into your older-style dwelling or make a bold statement in a large space.

Each year, paint companies and colour experts reveal their next-year picks for the shade that best encapsulates the current period. Their choices for colour of the year often draw on trends in pop culture, fashion, technology and design from around the world.

In the last two years, the Covid pandemic has certainly affected the way we live and has changed many aspects of decor. Hunkered down and isolated, people have begun their homes as a refuge, a place that celebrates family, and that actually got more traffic due to breadwinners and kids being home all the time. The trend seems to be the need to change homes to create warm and safe spaces in an uncertain world.

Colours for 2022 Colours evoke different sensations. For instance, branding experts tell us that orange equals innovation. This year, online searches for green paint colours have more than doubled since 2020, indicating that homeowners are seeking colours that are calming and soothing.

Forbes magazine reports that, ‘in a year when we all need to breathe deeply’, the colour of the year will be ‘a tranquil, soothing, pale green hue’ that fosters

What colour goes where?

Colours add such a strong presence to a home that choosing what goes where needs careful decision making. Personal choice obviously is your number one priority but consider also the layout and spaces in your home.

feelings of coolness and peace: the colour has no warm elements. Soft and amenable to a vast range of colour pairings (think dark navy, natural stone tones and velvety greys), the peaceful shade evokes ‘sea glass and tranquil mornings’ that inspire us to enter the new year on a hopeful note.

However, the Australian paint manufacturer, Haymes, is predicting that we will see a ‘playful vibrancy and fresh optimism’ being to enter interior spaces.’

‘Powdered blue, shades of sunset pinks, aqua greens and mustard yellows will bring a sense of fun and lively energy.’

They suggest experimenting with shades like Contrast, Sunset Pink, Bloom, Remote and Faded Blue. ‘Blues, cool greys and greens are really having their moment, and will continue to as we enter the new year. So for a more toned-down colour selection, shades like Gumleaf Green, Remote Green, Campfire and Paradise Pool will allow you to play with colour without going too bright.’

Is it long and narrow, is it open plan, does it have divided areas such as an upper storey or a granny flat annex?

Different colours can be used to great effect in different rooms to create a sense of unified harmony; for instance, calm blues and pastels are appropriate for the calm atmosphere needed in a bedroom, whereas vibrant reds energise living rooms and display walls.

Unless you want to do a complete make-over, you will need to consider the colours of your existing furnishings and fittings. Align your colour cards against your cabinetry, flooring and tiles, door handles, taps and bathware. Silver-based taps and shower heads in a bathroom may require cooler tones whereas gold ones attract a warmer palette.

It can be so much fun choosing a whole new colour range – and after all the hard work of painting, you’ll love the results!

Contact KiR Architecture at contact@ kirarchitecture.com.au for help with planning your building projects. We are always happy to answer any inquiries.

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love ARCHITECTURAL DESIGN SERVICES

KATHY ISMAIL ARCHITECT

1. Feasibility Studies 2. Design Only 3. Design and Document 4. Full service package (and more)

+61 426 188 744

PO Box 233 Eltham VIC 3095

contact@kirarchitecture.com

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5 Tips for Creating Storefront Signage that Drives Sales SIGNAGES

By Glenn Martin

The first step for any business that is trying to make sales, is getting customers in their store. Storefront signage grabs the attention of passers by, communicates information about your business, and promotes incentives. Your business’s signage represents your brand’s voice and tone. Signage helps bring cohesiveness to your branding by carrying out the same look and feel from your storefront signage to all other signage, and even your online presence.

Signs allow you to highlight the visual association with your business. Even if you are a newly established business, your storefront signage can make a major impact on familiarity. Your business’s branding should be considered an essential part of your signage.

Marketing strategy is sometimes overlooked when businesses are creating budgets because money is one of those things that is hard to play around with.

However, it’s worth establishing a specific amount of your marketing budget each year for signage, so that you can see the return on investment (ROI) in a concrete and quantifiable way, storefront signage is a great investment.

Here are 5 tips for designing storefront signage that captures attention, communicates the information about the brand, and drives more sales for your business.

1. Font matters . . . a lot. The most effective fonts for signs are pleasant on the eyes and don’t require the viewer to struggle to read the sign. You want to be direct and bold, but not aggressive.

Unique, but not too unattainable. Fonts matter and set the stage for your sign.

2. Promote. Be honest, but also create a little wonder about your brand, sales, etc. by thinking outside the box. Make sure any promotions you are advertising in your storefront signage are clear and do not cause confusion.

3. Check out the colour wheel for a greater understanding of how colours can complement each other . . . or work against one another. Occasionally

logos don’t transfer well to signs, so be aware of this when designing your logo and branding. Customers gravitate to signage that’s easy to process. Consider all the visual competition that your brand is vying for in our modern, highly visual world.

4. Location and size make a big difference. Visibility is crucial and where you place the sign and how small or large the sign is will affect the draw.

Drive past your intended sign location and look at it from a customer’s point of view. Are there any obstructions? Are you drawn to the location? Is your sign too big (or too small) for the location?

Where you put your signage will make a difference in whether or not it brings customers into your business.

5. Stick to your branding. Your logo should be part of your sign. The colors and the fonts should align with branding all along the way. This is the best way to build customer loyalty – you want them to keep coming back. Remember, your business is competing with others in the same industry, so you want to stand out and be remembered when a customer has a need or a challenge.

Signarama takes great pride in working with businesses of any size to create signage that works for you. Our design team will help you be creative with your signage and highlight the story behind your brand within a budget you feel comfortable with. Contact your local Signarama to get the sign creation process moving for your business’s next major promotion, we’re here to help from concept to installation.

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The Health Benefits Of Telling Stories ACCREDITED EDITOR

By Susan Pierotti

Do you remember visiting your grandma – the smell of freshly baked biscuits, the comfy cushions, the stories she told you?

Not everyone has ‘grandma’ memories like this, but many can recall with deep pleasure the moments they spent with their grandparents.

That time spent with the older generation has health benefits for both the older ones and the young. Each instinctively senses the vulnerability of the other and treasures the precious time together. The children have an adult they can confide in who is not the parent, and the older one and feels valued and more alive.

Old age should be a time of peace and happiness, just as retirement is a reward for living a long and fulfilling life.

Tim Costello once said, ‘The sign of a mature society is how it treats its animals, its children, its women and its elders.’ The German government was one of the first to recognise this by introducing an old age pension in 1889. Australia followed suit in 1908.

But for so many, the pension isn’t enough.

Growing older also brings challenges.

They can’t read as well, they have trouble keeping up in the conversation as they gradually become deafer, they can’t pick up things off the floor anymore because their hips don’t bend.

Worse than the physical deterioration is probably the emotional toll – the death of spouses, the loss of friends to dementia, unaccustomed isolation as neighbours move out of the area. The really sad thing nowadays it that so many grandparents don’t have any sort of relationships with their grandchildren due to divorce, business opportunities interstate and, lately, the COVID-19 lockdown.

Loneliness and the toll of physical decline are common issues for our elderly and lead to alarmingly high rates of depression among older Australians, as much as 10 to 15% of all people over 65 years of age. Not surprisingly, the rates of those suffering depression is higher among those in aged care facilities. And not only does isolation lead to depression – it also increases the

likelihood of developing more severe dementia. Researchers have found that loneliness and social isolation also make a person more at risk of high blood pressure, a weakened immune system, anxiety, Alzheimer’s disease, cognitive decline and even giving up the will to live.

they grew up and went to school can release a flood of fascinating information.

However, not is all doom and gloom. As we grapple with an ageing population, studies are finding novel ways to improve mental health and quality of life among the elderly. One of those ways is story telling.

Plus, in getting their stories into a form others can access, such as a small book, creates a published legacy that will live on for generations to come.

Since the early days of humankind, we have been telling stories around the campfire. Stories entertain and bind people closer together. They form the building block of our societies and cultures. They improve our capacity for memory and decision making. In fact, scientists say that our brains are hardwired for story telling.

By assisting older people to tell their stories, you can give them that sense of value, social interaction and mental stimulation shown to improve their overall health and wellbeing.

So, after the pandemic, if the lack of social interaction made you feel more lonely and isolated, think of how it may have affected your loved ones. Reach out, sit down with a cuppa and ask, ‘Tell me about…’

To find out more about how to help your elderly relatives bridge the isolation gap through storytelling, contact Susan at susan@creativetext.com.au.

Social interaction – no matter what form – increases a sense of value, especially among older people whose physical limitations prevent them from having the same access to the world around them they may have once taken for granted.

The Victorian Government Better Health website recommends reminiscence therapy, which is just a fancy way of describing sitting down with your loved ones once a week and asking them about their stories, their lives, what was important to them. Photos and simple questions such as asking them where

Susan Pierotti Accredited Editor Creative Text Solutions 0437 127 159 www.creativetext.com.au

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Problems Your Garage Door May Be Suffering In Spring GARAGE DOORS

By Chantal Djuric

When you hear of the term ‘spring cleaning’, you probably think of cleaning out cupboards, sweeping and dusting and possibly a few outdoor renovations.

One of your largest assets could also do with a spring clean – your garage door.

Here are 8 things to watch and listen out for.

1 Odd sounds If you hear your garage door making grating or scraping sounds, this could be an indication of a problem with the automatic opening mechanism. A regularly maintained, well tuned door moves smoothly and quietly. The springs, pulleys and cables on both sides of the door should be symmetrical.

2 Dirty tracks Check if the tracks on both sides are clear of rubbish and rust. Use a plumb level to measure that they are level.

3 Loose brackets A typical garage door opens and closes hundreds of times a year, even during Covid lockdowns. This up-and-down action can loosen the door and its brackets and fasteners.

4 Wear and tear on rollers and cables Rollers along the edges of the door should be inspected at least twice a year for signs of chipping, cracking or wearing. Cables and pulleys should have no fraying, broken strands or any other indication of wear or damage.

5 Sticking door All moving parts, such as pulleys, rollers and hinges, can seize up gradually over time. They need to be lubricated at least twice a year.

6 Door opener needs replacing often If your garage door is not properly balanced, this puts undue strain on the door opening mechanism, which reduces its lifespan. To test if your door is balanced correctly, pull the release handle on the automatic opener and lift the door manually till it is open halfway.

If it doesn’t remain still but slides down, it is unbalanced or the springs need replacing.

7 Auto-reverse not working As a safety measure, all automatic garage door openers have an autoreverse function designed to stop and re-open it if an object in the path of the door is detected or it hits something while closing. You can test if this is working by placing a piece of wood (without nails!) under the door and close it. The door should stop and reverse when it senses the wood. Older garage door openers that lack this basic feature should be replaced immediately.

8 Worn weather strip The rubber strip beneath the door helps prevent water, leaves, dust and dirt from entering your garage while keeping the temperature within regulated. Check its condition because, being made of rubber, it will wear out. One clue is to stand inside your garage (making sure you have an adequate exit plan!), bend down and see if light is coming through from underneath the door. This means there are gaps and that the rubber weatherstrip needs replacing.

How do I fix my garage door, and how often?

If you’re a weekend backyard hero, you may find it tempting to save a few dollars and attempt to address these problems on your own. But some of the problems are downright dangerous to try fixing on your own; the others may look easy to fix but are not. Each garage door make and model has its own specifications that require precision, the right tools and the right parts. Though garage doors look hefty, they have delicate mechanisms that require minute finetuning procedures to have them running at their optimal best.

If you make a mistake when trying to solve your garage door problems yourself, you could end up with a nasty Christmas bill by damaging the mechanism or, worse, possibly end up in hospital. Adjusting anything to do with a garage door at all is really best left to a qualified garage door technician.

We recommend you book a regular three-month service for your garage door, whether it’s a domestic or a commercial one. That way, you won’t even have to think about any of the above! You can sit back, relax and enjoy the spring, knowing that all the things your garage door needs will have been attended to by a trained specialist professional.

For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@ cruzingaragedoors.com.au.

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Providing A Safe Work Environment And The Risk Management Process OCCUPATIONAL HEALTH & SAFETY Establishing the Context

By Mark Felton

As an employer you have an obligation to provide and maintain safe plant (machinery and equipment), provide and maintain safe systems of work, ensure the safe use, handling, storage or transport of plant or substances, keep workplaces in a safe condition, free of risks to health (for example, ensure fire exits aren’t blocked, and the worksite is generally tidy), provide suitable facilities for welfare, give your employees the necessary information, instruction, training or supervision to enable them to do their work in a way that is safe and without risks to health.

The law requires employers to eliminate risks so far as is reasonably practicable. To decide what is reasonably practicable, you must consider: • • • • •

the likelihood of the hazard or risk occurring the harm that would result from the hazard or risk what a person knows (or should know) about the hazard or risk, and ways to eliminate or reduce it availability and suitability of ways to eliminate or reduce the hazard or risk cost of eliminating or reducing the hazard or risk

Legislation stipulates the employer’s duty to consult. This includes:

Risk Assesment Process Risk Identification

Consultation

Risk Analysis

Monitor and Review

Risk Evalution

Risk Treatment

• • • •

sharing relevant information about Health and Safety, as well as welfare with employees providing opportunities for workers to express their views allocating sufficient time for the resolution of Health and Safety issues demonstrating that workers’ views are valued and taken into account

Many businesses may have a reasonable handle on this but you can have the best systems in the world but if these are not documented, how can you substantiate this? How can you measure and improve?

How do you defend yourself when an employee has hurt themselves because of behaviours that are outside those that you have implemented? How can you see the competencies of employees?

How can you determine when upgrades

and additional training are required?

I can assist employers by reviewing their site with them, and the nature of the tasks carried out within it.

Facilitate the development of policies, procedures and practices, as well as the implementation of protective measures. Check the effectiveness of any consultative mechanisms that are in place, and facilitate improvements to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees healthy and safe, whilst boosting profitability. Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@ beaumontlawyers.com.au for an obligation and cost free initial discussion.

Mark has a varied work experience, including 12 years in manufacturing as a manager and 19 years as a financial planner. He uses his wide range of experience and knowledge to quickly identify the right course of action, and uses his expertise to help you solve any problems.

Areas of Expertise º WHS/ OHS º Manufacturing º Regulatory Compliance

Contact Details mfelton@beaumontlawyers.com.au 03 9727 1376

º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

º Business Management

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Operations

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FIND KNOX | OCTOBER 2021

www.findknox.com.au

Coffee – Nature’s Beauty Treatment COMMERCIAL COFFEE MACHINE

By Ivana Smith

Part of your early morning routine may include exfoliating your scalp after shampooing your hair, and then applying a gentle facial scrub. Before you leave the house, you brush your teeth and remember to take with you a lip balm and a spritzer to refresh your skin during the day.

And all of that can be done with our favourite drink – coffee!

With the healthcare and beauty world promoting the value of natural and plantderived ingredients, it’s hardly surprising that coffee is infiltrating more products.

In fact, there are several brands building their product lines entirely around coffee to great success!

Why coffee is good for your health Caffeine is strong in polyphenol, an antioxidant, which means that it can reduce the aging and harmful effect of oxidation on and beneath our skin. The wide range of coffee beauty products available have some amazing benefits.

They help burn fat, reduce redness and puffiness, exfoliate and deliver antioxidants to the skin, banish cellulite, helps stop hair loss and deepen brunette hair colour.

So, if you’ve ever thought that throwing out your coffee grounds was a bit of a waste, you can now use them to make easy-to-make beauty products at home.

Hair rinse and scrub Brew a strong pot of coffee, let it cool completely and rinse your hair with it after shampooing. The coffee stains your hair dark so this will work for brunettes and those wishing to cover up their ‘silver strands’. This treatment can strengthen hair, help it to grow more quickly and leave it looking bright and shiny.

For a fabulous scalp exfoliator, massage half a cup of coffee grounds into your wet hair for two minutes, then wash your hair as normal. This not only feels heavenly

but will get rid of dead skins cells and excess build-up of hair product.

delightful as a quick cool-down in the summer heat.

Skin scrubs and masks Rubbing coffee grounds on your skin removes dead skin cells and brightens your complexion. For extra moisturising, you can combine a cup of coffee grounds with six tablespoons of coconut oil and 3 tablespoons of sea salt or sugar. Another recipe is to make a paste of the grounds with olive oil and apply.

This process improves the circulation and reduces acne, redness, fine lines, pigmentation and even banishes cellulite, all helping to prevent premature ageing. It’s gentle, effective – and smells delicious!

When coffee is massaged into the skin in a cream or serum, a chemical present in it called chlorogenic acid (CGA) can soothe sunburned skin and help heal skin that is prone to acne with its anti-inflammatory and anti-bacterial properties.

Try a coffee mask for a radiant and glowing complexion. Thicken half a cup of coffee with a few spoonsful of milk and apply for ten to fifteen minutes as a facemask. (Yes, it will be tempting to drink it!) Wash it off with lukewarm water.

This gets rid of dead skin cells, leaving your face smooth and soft.

Puffy eyes can also be treated effectively with cooled coffee grounds. Apply under the eyes for a few minutes and rinse in cold water. This tightens the skin pores which reduces the puffiness.

Other coffee beauty treatments If you drink your coffee black and strong, you’re already on a good health track.

Coffee can fight against plaque-causing bacteria and prevent cavities. However, coffee does leave teeth stains so you will need to brush them immediately.

Coffee spritzers help to soothe dry skin caused by winter winds and indoor heating and air conditioning, and it’s

And you can even find coffee-flavoured lip balm.

People who are extra-sensitive to the effects of caffeine may want to avoid using coffee products over large body surface areas. For this reason, if you’re pregnant or breastfeeding, you may want to avoid caffeine-containing beauty products.

Many of these awesome coffee health and beauty products are made in Australia. You can find them in your local supermarkets or convenience stores.

Specialty stores and online are another good source.

For advice on coffee and how to supply it to office spaces and clubs, contact Ivana at ivana.smith@xpressodelight. com.au.

Ivana Smith Commercial Coffee Machine Xpresso Delight 0418 393 085 www.xdcoffee.com.au

www.findknox.com.au

OCTOBER 2021 | FIND KNOX

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Personal Insurance – When does your policy really expire?

FINANCIAL PLANNING

By Warren Strybosch

it is the same principle but instead of expiring after age 64, the policy will expire after your 69th birthday at next renewal date.

This information is current as at October 2021. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such

It is important to note when your personal insurance policies expire as they don’t necessary expire on your birthday.

When you receive your welcome email or acceptance letter from the insurer regarding your new personal insurance, we suggest you take note of the policy end date or expiry date. It will be clearly written in the letter and sometimes it is displayed on the renewal forms.

Unfortunately, not all insurers state the expiry date on the renewal forms so it is easy for clients to forget when the actual date is; especially when some clients have held policies for over 20 years.

Often clients believe, especially if they have a policy benefit period up to age 65 that the policy will expire on their 65th birthday, when in it fact this is not the case; especially when it comes to Income Protection policies.

The ‘up to age 65’ is exactly that and most Income Protection policies expire prior to your 65th birthday, after you have turned 64 and when the next policy renewal date comes around. For instance, if I was turning 65 on the 1st of August and my renewal always occurred on the 1st of May, then my expiry date is going to be the 1st of May and not on my birthday.

For those who hold policies up to age 70,

This can catch clients out if they forget their actual expiry date and think it is their 65th birthdate. As an example, we heard of a situation where a client required hip surgery. He had Income Protection and was putting off the surgery until he was close to age 65. He was going to submit an Income Protection claim, as he was fully entitled too because the surgery would require him to take time off work when he had his surgery. Unfortunately, for him, he thought his Income Protection policy expired on his 65th birthday so he booked for the surgery prior to his birthday, when in fact, the policy had already expired in April. He was not impressed as he had forgotten the actual expiring date. What he also was not happy about was that the insurer never stated what the expiry date was on the renewal notices, and they do not send out any information prior to the policy lapsing. As such, the client had forgotten the actual expiry date, booked a date of surgery after the expiring date and missed out on receiving any income protection benefits for which he was hoping to get and had been planning on.

It is important to write down your expiry dates. We recommend placing them into your Calendar associated with your emails or mobile phones.

information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product.

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

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

You can re-contribute COVID-19 early release super until 30 June 2030 If you were one of the millions of Australians who pulled money out of your super during COVID, the ATO has advised that individuals can now place those funds back into super without it affecting their non-concessional cap up until 30 June 2030. The will be called the COVID-19 re-contribution – a new type of contribution.

The ATO has advised that individuals can now re-contribute amounts they withdrew under the COVID-19 early release of super program. They are a personal contribution that we will exclude from an individual’s non-concessional contribution cap. The ATO also said individuals can make COVID-19 recontribution amounts to any fund of their choice where the fund rules allow.

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2021 TA Active asset test passed for "vacant" land used as storage Appeals note: The decision in the Administrative Appeals Tribunal was in favour of the taxpayer, allowing the use of the small business CGT concessions. The event was subsequently updated in January 2020 when the original decision was overturned by the Federal Court. In September 2020, the Full Federal Court then overturned the single judge decision, meaning the taxpayer once again may use the small business CGT concessions. The Full Federal Court advised that small business relief should be applied beneficially rather than restrictively for a taxpayer. The Commissioner of Taxation has not appealed to the High Court of Australia. The ATO issued a decision impact statement on 29 July 2021 where it will continue to review the impact of the decision on its advice and related products.

Current decision in case: Land adjacent to taxpayer's main residence was used in the taxpayer's small business, and therefore passes the active asset test. Editor's note: The overview below and client impact statement were originally preserved as written for the January 2020 update. This allowed users to have full visibility of the arguments and opportunities which were subsequently overturned. In this instance, the overview and client impact statement have been amended to take into consideration various issues

Announced: 21-Feb-2019 Updated: 4-Aug-2021

identified by the Full Federal Court, and how they may apply to future private binding ruling applications for your clients.​Residential land has been determined to be an active asset as it stored materials and tools for a taxpayer's business. The ruling from the Full Federal Court is in line with an earlier decision by the Administrative Appeals Tribunal, and has overturned the decision from a single judge appeal.This case is one of many which straddles the fence on whether unimproved land qualifies for as an active asset. In this case, the Full Federal Court concluded that the small business CGT concessions should be looked at beneficially for taxpayers, as is intended from the original legislation. The outcome of this case relies on the interpretation of "used in the course of carrying on a business" which is necessary for determining an active asset. The Full Federal Court has interpreted that this sentence does not use or imply restrictive language such as "ordinary course of a business" or "day to day running of a business".

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, as well as relief from state taxes.

In response to the July 2021 South Australian lockdown: •

businesses with a reduction in turnover are eligible for emergency cash grants of up to $3,000

•

a second round of business support grants of up to $3,000 available for businesses in eligible industries

•

eligible events suffering significant losses from being cancelled or postponed can access funding of up to $25,000, and

•

individuals outside the federal government's declared hotspot areas who lose work hours will be entitled to the COVID-19 Disaster Payment.​

Announced: 26-Mar-2020 Updated: 13-Aug-2021

In addition to these grant payments to affected businesses, in the past relief from payroll tax and land tax has been available. In particular, smaller employing businesses have been given a waiver of payroll tax from March 2020 to May 2021.

Land tax deferrals were available to landlords during the 2020 land tax year. Also, landlords who provided rent relief, or commercial property owner-occupiers who were eligible for JobKeeper, were eligible for reduction in land tax liabilities up to 30 April 2021.

FBT car parking ruling confirms commerciality principle includes shopping centre car parks The principles of car parking fringe benefits and commercial parking stations have been confirmed by the ATO via public ruling. The ruling, which has now been finalised after a long consultation process, replaces a now withdrawn tax ruling from 1996. The ruling details the concept of a commercial parking facility, which is necessary for businesses with over $10 million turnover that provide car parking for free to staff. Specifically, a major change in the ATO's interpretation of a commercial parking station exists where a shopping centre car park comes within its definition. As there is a major change in interpretation, the ATO has advised that the new ruling will not apply to car parking benefits until 1 April 2022. Note: When the new rule comes into effect for shopping centres, the small business turnover threshold for car parking benefits will have increased from $10 million to $50 million.

Announcement(22-Nov-2019) Consultation period Released(13-Nov-2019)

AX UPDATES First home super saver scheme maximum set to increase The maximum amount of contributions that can be released from superannuation under the first home super saver (FHSS) scheme will be increased from $30,000 to $50,000. The increase is expected to apply from 1 July 2022 subject to royal assent of amending legislation. Individuals can withdraw funds out of their superannuation account to be used for a first home deposit. From 1 July 2018, any voluntary contributions

Announcement(10-May-2017)

up to $15,000 per year and $30,000 in total can be used for the deposit withdrawal. The withdrawal also

Consultation(4-Aug-2017)

includes deemed earnings on the voluntary contributions. The scheme is intended to provide an incentive to enable first home buyers to build savings faster for a home deposit, by accessing the tax advantages of superannuation. The scheme also is available for non-first home buyers in limited circumstances. Other

Introduced(7-Sep-2017) Passed(7-Dec-2017) Royal Assent(13-Dec-2017) Date of effect(1-Jul-2018)

proposed changes to the scheme look to improve its administration, including allowing individuals to withdraw or amend their application for release prior to receiving payment without losing the ability to reapply for a FHSS release in future. These administrative changes will apply retrospectively from 1 July 2018.

Self-managed superannuation funds residency safe harbour to extend Planned amendments to the residency requirements for superannuation funds have been announced in the 2021 Federal Budget. The central control and management test safe harbour will move from 2 to 5 years. Another planned change impacting self-managed superannuation funds (SMSFs) is the removal of the active member test. The measures are expected to have effect from 1 July 2022, subject to the passing of legislation. The proposed changes will allow SMSF members to continue to contribute to their

Announcement(11-May-2021) Consultation

preferred superannuation fund while temporarily overseas. This mirrors the treatment for members of larger

Introduced

Australian Prudential Regulation Authority (APRA) regulated funds. The changes would likely also reduce

Passed

the compliance cost and burden for expatriate SMSF members or trustees. Specifically, the change will remove the need for them to set up a new account, add new members to the fund, convert or transfer their

Royal Assent Date of effect

super into an APRA-regulated fund prior to going overseas. The Australian Taxation Office has also issued temporary relief relating to super fund residency requirements to individual SMSF trustees or directors of its corporate trustees if they are stranded overseas due to COVID-19.

COVID-19 Disaster Payment now tax free he support payment for individuals who are unable to work during a COVID-19 lockdown are now tax-free, with the Treasury Laws Amendment (COVID-19 Economic Response No 2) Bill 2021 passing into law on 10 August 2021. The COVID-19 Disaster Payment was initially a payment of $325-500 a week for people who reside or work in a Commonwealth declared hot spot, depending on the hours of work a week lost by a person. The payment rate then was increased to $450-750 for residents of a Commonwealth declared hot spot during extended periods. As of 29 July 2021 the payment was announced as non-taxable.

The payment is also available to:

Announced: 3-Jun-2021 Updated: 24-Aug-2021

​impacted individuals who are still working at reduced hours, and individuals outside Commonwealth declared hotspots, provided they meet the criteria for the payment.

Individuals already receiving other Government support payments will see a non-assessable temporary supplement of $200 a week if they can demonstrate they have lost more than 8 hours of work and meet the other eligibility requirements for the COVID-19 Disaster Payment.

Queensland COVID-19 business grants and assistance In its response to the current COVID-19 lockdowns across July-August 2021, the Queensland Government has implemented support grants for businesses across the state. The support package is jointly funded by the Commonwealth and Queensland governments. Grants of up to $15,000 will be available to eligible small and medium businesses across all industries. Support payments of up to $30,000 will also be provided to eligible impacted large hospitality and tourism businesses. Applications for grants opened on 16 August 2021. Non-employing sole traders may also be eligible for a one-off $1,000 grant, with more information to

Announced: 8-Apr-2020 Updated: 25-Aug-2021

be released soon. A COVID-19 cleaning rebate of up to $10,000 has also been introduced for eligible small and medium businesses and not for profit organisations. Tourism and hospitality businesses have also been given the option to defer payment of their July or August 2021 monthly payroll tax liability for 6 months.

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OCTOBER REALESTATE2021

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 OCTOBER 2021 | FIND KNOX

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October 2021 REALESTATE

New library to take prime position in redeveloped Westfield Knox Knox City Council today revealed exciting new plans for the Knox Library, which will be built as part of Scentre Group’s redevelopment of Westfield Knox.

The new library will be more than twice the size of the current library, occupying 2,000 square metres, or roughly half, of Level 3 of the former Myer department store.

The library will take pride of place within a completely reimagined precinct, featuring an architectural curved frontage into the centre and a long, glazed northern exposure taking full advantage of natural light and views over a newly designed outdoor landscape.

The library was previously planned to be relocated above the current JB Hi-Fi store in Knox Ozone. When Myer announced its departure from Knox, Council and Scentre Group seized the opportunity to bring the library into the core of the centre itself.

Knox City Council Mayor Cr Lisa Cooper said the whole way communities engage with libraries is changing, and Council expects the library to attract people who may not have seen or used a library for decades.

“Libraries used to be about books and being quiet,” said Cr Cooper.

“Contemporary libraries are much more than that. There will still be plenty of books and valued traditions like children’s story time. But there will also be wi-fi, plenty of flexible seating and desk spaces to meet, read, study, work or just chill out.”

“Knox Central is already our busiest library and the second busiest in the whole Eastern region despite the disadvantage of being small, outdated and accessed off a dark underground carpark.

“Being located inside Westfield Knox near two supermarkets, ALDI and Woolworths with extended trading hours, a range of new food outlets and other complementary tenancies is a perfect position”, she said.

“These are places everyone goes, so having the library at the centre of it all, close to plenty of parking, will be extremely convenient for library users”.

Just as libraries are evolving to meet changing needs and lifestyles, so are shopping centres.

Scentre Group, Director of Development, Stewart White said community remains at the heart of the Westfield Knox transformation.

“Listening to customers and catering to their changing needs and expectations is how we remain essential to their daily lives and ultimately, what’s guiding our decision-making around our redevelopment plans for Westfield Knox,” said Mr White.

“The Knox Library has a lot of rich history within our broader community.

It was important for us to design and create a contemporary space that is both highly accessible and convenient; located close to other retail experiences and services within the centre, so it can continue to be a place people visit for leisure, education and social experiences for years to come.

"We’re looking forward to bringing our vision for Westfield Knox to life, including the new Knox Library,” he said.

Council’s Youth Information Centre, which is currently located near Headspace behind Knox Ozone, will relocate into the library once complete.

The current Knox Library will relocate into temporary premises in the former Cash Converters site behind Knox Ozone for the duration of construction. Further details and dates will be provided shortly.

October 2021

Making Space For Growing

Kindergarten Services

“By 2029, modelling shows a total of 359 kindergarten places cannot be accommodated in our buildings. This is even more apparent in certain suburbs, with Bayswater, Boronia, Scoresby/ Knoxfield and Wantirna expected to reach capacity even sooner or see larger gaps between demand and availability of places.

“Continuing to provide families with a choice of kindergarten provider is important as we know this is something the community values and Council cannot meet this demand alone,” she said.

Most council kindergartens are 50-70 years old, and Council spends at least $1.1 million each year maintaining its 33 buildings to remain safe and fitfor-purpose. This is in addition to the significant cost of staffing and supporting high quality services in 30 kindergartens.

Locally, a major challenge is the lack of vacant land to build new facilities, placing more pressure on existing buildings to accommodate as many places as possible. Council is working hard to unlock unused capacity in our existing buildings and classrooms but even with this approach, the shortage of places for eligible children in some suburbs will still exist by 2028.

New modelling shows local early years facilities will struggle to meet demand as kindergarten services expand in response to Victorian Government reforms.

The introduction of funded three-year old kindergarten from next year will give families access to an additional year of play-based learning before school, which will have great benefits for children’s social and cognitive development. However, it also creates significant challenges in ensuring there are enough classrooms and facilities to accommodate all children into a local service.

For decades, Council has owned and managed the majority of local buildings used for kindergarten and other early years services such as Maternal and Child Health and community playgroups.

As three-year old sessions increase from five hours a week in 2022 to 15 hours in 2029, one of Council’s key focuses is ensuring there is enough physical space to meet growing demand across both council-run and independent kindergarten services.

Mayor Cr Lisa Cooper said significant investment will be required from the Victorian Government to make this a reality and partner with Council to make sure our children get the best start in life.

“Projections of the growing demand for kindergarten show that by 2028, we will run out of classrooms and facilities to continue providing access to kindergarten for both three- and fouryear-old children at the same levels we do now,” said Cr Cooper.

Part of using buildings as efficiently as possible involves looking at the way services operate and making changes such as running additional programs, using different timetables including running longer days, mixed-age groups, or offering kindergarten programs conducted by degree-qualified teachers in long day care settings. Council can also support other kindergarten providers operating in its facilities to consider these changes too. The Department of Education and Training has also committed to supporting other kindergarten providers outside Council buildings to work to maximise their own services.

Demand for kindergarten services and capacity to meet this through council services and facilities is projected in Council’s new Kindergarten Infrastructure Service Plan, developed in partnership with the Victorian Department of Education and Training.

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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

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Uambi Christmas Fundraiser 2021 Once again this year our Christmas Bush Market will go virtual!

We love being part of the local community and represent a very special group of local stallholders.

One of the best parts of the market is when we have held it in real life at Uambi, a special local bushland.

Melbourne’s Harper family generously donated this four hectare Heathmont property to Trust for Nature in 1988.

Uambi is a remnant bush block of Mixed-Stringybark forest and it has been identified as “a very significant remnant of the original vegetation in the Heathmont Area”. As such, conservation and protection of the biodiversity of Uambi is of the highest importance. By doing so, it will preserve the indigenous vegetation, increase habitat quality and improve the historical significance of Uambi.

Uambi contains 175 indigenous vascular species and 87 exotic weeds. There have been 16 indigenous bird species and 4 exotic species identified. It is also noted that there is no other site within metropolitan Melbourne that provides such an excellent environment for butterflies except for Uambi.

Every year our market group ask the community to donate to Uambi. All of the money donated goes straight to Trust for Nature to take care of Uambi. For every $2 donated your name will go into the draw for a beautiful hamper filled with goodies from all of the stallholders.

PLEASE SUPPORT THIS CAUSE Donate Here

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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.

Shop

Eat

Knox Earn reward credit on Click & Collect orders > Free delivery for orders $50 and over > Free and easy returns > Want to find out more about Westfield Plus member benefits? Check out the FAQs here.

Introducing

Join today and start shopping on Westfield Direct > click & collect

We are excited to introduce you to Westfield Direct – Westfield's new online shopping experience.

Westfield Direct works like an online marketplace, giving you access to trusted brands from all over Australia.

You can choose to Click & Collect from your preferred Westfield centre or get it delivered straight to your door. It’s a convenient new way to shop with Westfield, any time, wherever you are.

From the latest sneakers and kitchen must-haves to toy robots for kids, big and small, Westfield Direct offers a curated mix of brands across a range of categories. Men’s and women’s clothing and footwear brands include favourites such as Saba, General Pants, Rodd & Gunn, Nine West and Freelance Shoes.

Transform your home with products from Wheel&Barrow, Habitania and MyHouse and elevate your beauty routine with brands such as Aesop, L’Occitane and BONIIK. Kids will love the range of toys and goodies from brands including Monsterthreads and Games Chain. With new brands joining the platform week by week, you’ll be able to discover more of what you love in one shopping cart.

You can browse the online range by category or brand, through our curated edits or by searching for something specific in the search bar. Simply add items to your cart and make your purchase with our seamless checkout experience. The Westfield Direct team will liaise with the brand(s) to fulfil your order and either organise delivery to your door or send the order to your nominated Westfield centre so that you can Click & Collect - the choice is yours.

If you’re looking to Click & Collect your purchase, the Westfield Direct Click & Collect location for pick up and returns at Westfield Knox is located near Best & Less on Level 1. The best parking for this location is Level 1 Stud Rd. For more information including a map and opening hours, please click here.

Get more with Westfield Plus Westfield Plus members get more on Westfield Direct. Membership is free to join, and you will unlock the following benefits when you shop online with Westfield Direct:

Customers must sign up to the Westfield Plus membership program to qualify.

By joining Westfield Plus, you agree to the terms and conditions and privacy statement. See westfield.com.au/termsand-conditions for details.

Terms and conditions

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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

OCTOBER 2021 | FIND KNOX

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Financial Survival Later On RETIREMENT

By Bernard Kelly

Retirement lifestyle health and finance.

is

governed

by

Now you, within reason, have the ability to control both.

Many retire and find that the lack of a lifetime routine is replaced with a degree of boredom.

If this is you, focus on reviving your mental health.

HOBBIES FOR MENTAL HEALTH Why not invest in a hobby to improve both your mental health and your finances.

You’ll then have a reason to get up, be happy and do something productive and enjoyable.

Additionally it encourages activity with like minded people, and extends your social interaction and contacts.

Painting by Numbers is the latest pseudo-medical hobby available – and it’s ideal for anyone with high anxiety.

HOBBIES FOR INCOME

2. case study – special event cakes

Hobbies can also be a means to improve your finances.

Cynthia Taylor in Geelong has transformed the cake decoration skills that she learned from her grandmother into a profitable side gig, under the brand name Original Cyn Cake Design.

Selling something that you have made can stimulate a monetary stream to cover costs and actually make a profit.

1. case study – selling a ship in a bottle With some practice you will be able to build a ship inside a bottle, and if you can wrap it inside an appealing sales package, you will be waltzing off into the sunset, with the orchestra playing.

So, before you start, plan for the ultimate sale.

Each cake can take over ten hours to decorate, and as she sells into the niche space of celebrations, there will always be buyers who say “I need that”. So haggling over a price is never an issue.

For those who do not have a hobby, a suggestion is to involve yourself in something that you currently are passionate about.

There are many substantial lifestyle and financial benefits available. You just need to look.

Personally I would build a miniature of HMS Royal Sovereign, the flagship of Admiral Collingwood - 2IC to Nelson at the Battle of Trafalgar. And then Collingwood took over command of British interests in the Mediterranean until his own death in 1810.

If I can help in any way, contact me anytime. hobby2income@gmail.com

With this particular ship-in-a-bottle, you’ll find swarms of eager buyers on websites associated with the name Collingwood.

Bernard Kelly has a focus on offering solutions to retirement issues. His email is

Bernard Kelly 0414 778 518

bernardkellygeelong@gmail.com OCTOBER 2021 | FIND KNOX

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

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

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

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

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

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

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

INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 47 • Find Accountant ----------------- 46 • Financial Planning ------------- 46 • Find Insurance -------------------- 46 • Bookkeeping ---------------------- 48 • Editor|Copywriter --------------- 47 • General Insurance ------------- 48 • Life Coach --------------------------- 48 • Signages ------------------------------ 49 • Mortgage Brokering ----------- 49 • Solicitor/Lawyer ------------------ 48

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.

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PROFESSIONAL SERVICES

PROFESSIONAL SERVICES INSURANCE

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

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

3. Design and Document 4. Full service package (and more)

KATHY ISMAIL

www.kirachitecture.com

ARCHITECT

Make your writing ZING! SERVICES • Book Editing • Memoirs and Life Stories

susan@creativetext.com.au

• Editing and Proofreading

www.creativetext.com.au

• Business Content Services

0437 127 159

• Indexing

OCTOBER 2021 | FIND KNOX

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PROFESSIONAL SERVICES

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

Disrupt your thinking and empower yourself with a Leadership Mindset today for the generations of tomorrow! Call Now 0432 848 418

Leadership and Parenting Disruptor Lesley Banton 0432 848 418 www.theparentwhisperer.com.au

Save Your Time & Grow Your Business • New and Micro Business Owners • Xero Training for Business Owners • Xero Health Check and Clean up Sum and Substance Bookkeeping, Training and VCFO services

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar • Small and Medium Size Business Owners

9/31 Dudbley St, Eltham VIC 3095 PO Box 759, Eltham VIC 3095

• Setup, Training & Review

Office: (03) 9424 9447

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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 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.

ADVERTISE HERE

ABN: 26689211803

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PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

• Creative Services

• Sign Writing

• Installation Services

• National Projects

• Project Management

• Project Management

• Printing

• Fleet Graphics

• Resources

• Installations

• Finance Option

We offer contact-free installation!

Call or email to discuss your needs. we can meet via Zoom, Skype or FaceTime.

Importantly, we’ll work out how to keep your staff and our installers safe while on the job.

• Design

Get in touch today.

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS • FIRST HOME BUYERS

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS • BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

Mark has a varied work experience, including 12 years in manufacturing as a manager and 19 years as a financial planner. He uses his wide range of experience and knowledge to quickly identify the right course of action, and uses his expertise to help you solve any problems.

Areas of Expertise

Contact Details

º WHS/ OHS

mfelton@beaumontlawyers.com.au

º Manufacturing

03 9727 1376

º Regulatory Compliance º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Business Management º Operations

CONNECT NUTRITION 248 Main St, Lilydale Melbourne 3140 | (043) 245-3923 SHAKES

8.5

• Aero • apple pie • berry-licious • birthday cake • bounty • caramel latte • jaffa • lemon cheese cake • oreosn'cream • peanut butter • pina colada • redskin • snickers

FITNESS SHAKES

9.0

• OG • Gladiator • Beast • Ironman All shakes are low in sugar, contain 17-33 grams of protein, 21 essential vitamins and minerals, and range between 200-350 calories.

TEA DROPS • blue lagoon • gummy bear • hocus pocus • hubba bubba • hulk • jolly rancher

7.0 • lemon cherry bomb • margarita • peachy mango • to the moon • skittles • sour worm

.....upgrade to a loaded tea +2.0

Each tea drop is high in antioxidants and less than 20 calories per serve! Upgrade to a loaded tea to boost your Vitamin B and C and get a burst of natural energy with Gingko Biloba

Our promise is to create delicious, naughty but absolutely healthy smoothies, as well as energising teas that are loaded with nutrients and vitamins, so that everyone in our community can enjoy becoming the best version of themselves!

ICED COFFEE

5.0

• mocha • macchiato

BOOSTERS

5.0

• nrg • focus • cleanse • hydrate

PROTEIN BARS 4.0 • citrus lemon • chocolate peanut • vanilla almond

• Ask about our 3-Day Challenge • Ask about our FREE wellness profile and meal planning • Ask about getting products to take home

OCTOBER 2021 | FIND KNOX

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LOCAL TRADIES

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 the editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 51 • Garage Doors ---------------------- 51 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 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.

LOCAL TRADIES 100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

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

Regardless of the type of garage door you own, we at Cruzin Garage Doors, have the skills and expertise

MACCHIATO

to either repair or replace your current garage door. For new installations we are also the ones to call.

• • • • • •

Hours of Operation

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

0427 894 603

• Mon to Fri: 9:00 am - 5:00 pm

sales@cruzingaragedoors.com.au

• Sat to Sun: CLOSED CAPPUCCINO

www.cruzingaragedoors.com.au

100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE WE'R

E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

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▪ Sleek design that fits the modern office 100% FREE, TWO-WEEK TRIAL ▪ Grinds fresh beans for each cup, no powders FOR YOUR WORKPLACE

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CAPPUCCINO

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E SO CONFIDENT YOU’LL LOVE IT, LATTE LONG BLACK OUR OFFER IS UNBEATABLE!

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....and many more!

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E SO CONFIDENT YOU’LL LOVE IT, LATTE OUR OFFER IS UNBEATABLE!

▪

State-of-the-art Swiss technology

▪

Sleek design that fits the modern office

▪

Grinds fresh beans for each cup, no powders

▪

Automatically heats and froths fresh milk for each cup

DELIVERY & INSTALLATION

SHORT BLACK

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by calling DELIVERY & ELIGHT WARRANWOOD INSTALLATIONXPRESSO DSHORT BLACK

0418 393 085

LONG BLACK ....and many more!

OCTOBER 2021 | FIND KNOX

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HOME & GARDEN

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

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

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

PAGES

HEALTH & BEAUTY

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

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

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 53 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

Contact Us

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

Dr Joanna Strybosch Osteopath B.App.Sc(Clin.Sc)B.Osteo.Sc Grad Dip Paeds Lactation Consultant (IBCLC)

03 9876 3011 info@childreansosteopathiccentre.com www.childrensosteopathiccentre.com

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries • Special Needs • Retained Primitive Reflexes • Pregnant and Prostnatal Women

OCTOBER 2021 | FIND KNOX

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SPORTS

editor@findknox.com.au

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

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

OCTOBER 2021 | FIND KNOX

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OCTOBER 2021

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

OCTOBER 2021 | FIND KNOX

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Birth, Deaths & Marriages October 2021

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

OCTOBER 2021 | 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 84

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

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FIND COFFEE COMING SOON

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FIND BREKKY, BRUNCH & LUNCH COMING SOON

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COMING SOON

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Dining

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

FIND ADVERTISING COUPONS editor@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

S S

M A M A

E L P E L P

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

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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.

Copyright 2021 Find© Pty Ltd.

www.findknox.com.au

OCTOBER 2021