Find Knox - September Edition

Knox The

SEPTEMBER 2020

WHAT’S INSIDE:

03

LOCAL STORIES

08

KNOX COUNCIL ELECTIONS

10

COLUMNIST ARTICLES

32

TAX UPDATES

34

REAL ESTATE - RENTAL LISTINGS

47

KNOX COUNCIL NEWS

62

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX THE ROAD TO NOWHERE OR OUT OF COVID

Next Edition your Councillors

We will be inviting all candidates running in the council elections to provide a bio of themselves and to answer some key questions regarding their nomination.

SEE PAGE 03 FOR THE FULL ARTICLE

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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: advertise@findknox.com.au GENERAL ENQUIRIES: 1300 88 38 30 EMAIL SPORT: sport@findknox.com.au WEBSITE: www.findknox.com.au

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

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

ALL THINGS KNOX

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

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

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

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THE ROAD TO KNOWHERE OR OUT OF COVID

By Warren Strybosch

With news that the promising COVID vaccine is now on hold due to suspected severe adverse reactions in patients, and Premier Dan Andrews stating that things will only get back to normal when there are zero cases of COVID, you have to wonder if there is a real pathway out of COVID for Victorians.

Australian is the only country that is not allowing outbound international flights, has less deaths recorded this year compared to last year and yet we Victorians are the only place in the world were lockdown has gone beyond 120 days with the lowest death tolls recorded.

Keeping in mind, we did not go into lockdown as quickly as other countries did.

Even the most optimistic of people are starting to feel the pressure of the extended lockdown. It is really starting to take a toll on people’s mental health and well-being.

A Victorian business owner wrote on Facebook:

“I gotta say, after yesterday’s announcement [Sept 6th], the dust has settled, I am a bit calmer, but I feel like it’s been a great kick in the nuts. I was a broken man, however now I really know what broken is. Today, I am numb. I have a couple of options with my business, shut the doors and go on federal govt handouts, or keep going, creeping slowly backwards, and when restrictions are lifted, move my business interstate.

I can’t operate feeling the way I do about the complete lack of support and understanding the Businesses in this state receive. There is little or no consultation with Business Industry over anything.

There is no help from VicRoads with vehicle registrations, no help from the Power Companies, No Help from Telstra, No relief from my vendors, I really feel like they all want me to fail. I guess I am just venting, and need to get it off my chest.”

- Peter

going to be made redundant in the next few weeks so we are putting everything on hold for just a short time until we get our head around everything…” - Matt

A person text on the 8th as follows:

How have you been coping with Lockdown? If you could say something to Premier Andrew what would it be?

Write your letter to the editor to have your say at editor@findmaroondah.com.au.

“Hi, I am just messaging you to let you know that myself and everyone else I work with have just been told we are

“I have been coping pretty well with everything, but after this announcement even I am feeling this heaviness in my chest. I am starting to feel resentment towards the Premier for making this so hard for everyone. Why not have rules for the elderly to keep them safe and allow everyone else to get back to work?” – Anonymous The question people in Victoria are now asking is, “Will we ever get back to normal?”. Given the Trigger Points the Victorian Labor has announced to ease restrictions, it seems Victorians will be in lockdown for a very long time whilst the rest of the World enjoys being back to normal.

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Victoria’s Roadmap to Reopening On Sunday, 6 September 2020, the Victorian Government released the roadmap to reopening. From 11:59pm 13 September, some restrictions will be eased across Victoria.

Regional Victoria and Melbourne Metro each have their own roadmaps, relating to how many active cases are currently in the community.

For more information go to: • •

the coronavirus (COVID-19) roadmap to reopening the model that informed the roadmap, Emerging from lockdown.

For restrictions currently in place, go to the Victorian Department of Health and Human Services website.

Summary of Steps towards COVID Normal First Step Regional Victoria

Second Step Regional Victoria September)

CURRENT FROM 11.59pm 13 SEPTEMBER 2020 FOR: Metro MelbourneExpanded social interaction.

Key points • •

• •

•

• •

Curfew in place 9pm to 5am Stay within 5km of your home except for permitted reasons such as work or education if these can not be done at home Exercise or recreation: 2 people or a household can meet outdoors for two hours maximum Visitors to the home: “Single person bubble” 1 nominated visitor if living alone/single parent (all children under 18) Childcare and schools continue remote and flexible learning with on-site supervision for children of permitted workers Shopping for essentials, 1 person per household, once a day Restaurants and cafes open for takeaway and delivery only

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Social bubbles, visitors and staged return of education.

Metro Melbourne (28 September subject to trigger points and public health advice) Third Step Regional Victoria (subject to trigger points and public health advice) Increased reopening for sport, recreation, ceremonies and special occasions.

Metro Melbourne (26 October subject to trigger points and public health advice) CURRENT AFTER 26 OCTOBER AND: •

First step only applies to Metro Melbourne.

Metro Melbourne (11:59pm 13 September)

(11:59pm

•

Daily average number of cases in the last 14 days is less than 5 (statewide) AND Less than 5 cases with an unknown source in the last 14 days (state-wide total)

Major industries return, increased reopening for education, sport, recreation, ceremonies and special occasions.

CURRENT AFTER 23 NOVEMBER AND:WHEN: There are no new cases for 14 days.

Increased numbers for gatherings and hospitality.

Key points • • • • • • • •

COVID Normal Statewide (subject to trigger points and public health advice) No restrictions for gatherings, visitors, hospitality or sport.

CURRENT WHEN: There are no new cases for 28 days and no active cases (statewide) and no outbreaks of concern in other States and Territories.

Key points • •

Key points • • • • •

• •

No restrictions on leaving home Spend time with others outside where possible Public gatherings: up to 10 people Visitors allowed at home from 1 other household (up to 5 people) Schools will see a potential staged return for onsite learning for Grade 3 to Year 10 subject to public health advice Hospitality open for predominantly outdoor seated service only All retail open, except personal care (hairdressers open)

Last Step Statewide (23 November subject to trigger points and public health advice)

No restrictions on leaving home Public gatherings: up to 50 people outdoors Visitors in the home: up to 20 visitors at a time Schools open for onsite learning with safety measures Hospitality open for seated service only All retail open with safety measures Phased return of organised contact sports resume for all ages. Limitations for spectators Galleries, museums and other entertainment venues open with some restrictions

• • • • • •

No restrictions on leaving home No restrictions on public gatherings but organisers encouraged to keep records of attendees No restrictions on visitors at home Schools open for onsite learning with safety measures Hospitality and retail all open No limits on weddings or funerals but organisers encouraged to keep records of attendees No restrictions on community sports or spectators Galleries, museums and other entertainment venues open with safety measures and record-keeping

[Source: https: health.gov.au]

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COVID-19: Changing the way you interact with clients

Think about all the different ways businesses are communicating with you at the moment, during COVID-19.

It’s possible you’re receiving more communication than ever before.

Despite some businesses being physically closed, there are still many opportunities to communicate with customers. In fact, being able to connect over a common experience provides an opportunity to deepen engagement.

Unfortunately there may be more oneon-one conversations about market volatility and financial hardship at the moment but with a sensitive and empathic approach, this can also help to create a more trusting relationship.

Communicate confidently with clients In times like these, nothing beats one-onone conversations with your clients. But how have you been communicating with

your clients more broadly? Maybe you feel overwhelmed with where to begin.

Better still, they can simplify your life as an adviser.

A tactical communication and engagement strategy should be part of a wider marketing plan but in current times, may need to be adapted. By using the right tools however, you can streamline your processes, better engage your clients and make your business more profitable.

There are some great examples out there from across all different industries.

Think about the eDMs that have popped into your in-box recently and got your attention. Or the eDMs that you receive regularly. Why do they stand out? What value do they provide? How do they make you feel?

Knowing a client’s primary communication preference (e.g. phone, email) is a prerequisite, but when it comes to building engagement you can up the ante by using different channels such as electronic direct mail (eDM), videos, podcasts, websites and webinars.

Let’s start with eDMs.

Try this: Mailchimp

These days, eDMs are a very popular and convenient choice to engage people and share content. They can be a great way to bridge the communication gap and stay in regular contact with clients.

If you’ve never used an email management system to send an eDM to clients, it’s never too late to try.

Mailchimp is a very simple eDM tool (there are others) that includes a host of features like customisable templates, personalised messages, and automated scheduling. Best of all, the basic version is available free of charge and lets you communicate to up to 2,000 subscribers.

Here’s our Mailchimp cheat sheet to get you started.

Office work not dead despite COVID: Report (Australian Associated Press)

Office work is not dead despite a mass shift to working from home during the coronavirus pandemic, toll giant Transurban says.

But more people are expected to stick to driving and avoid public transport because of health concerns even after COVID-19, according to a Transurban report. The company surveyed 4500 across Australia and North America over six days in July, finding 25 per cent did not expect to return to their previous public transport usage.

“With driving rebounding in many cities, it could eventually return stronger than

ever, depending on how long commuters remain wary of public transport,” Transurban said on Wednesday. “Such an increase in demand could stretch urban road infrastructure beyond prepandemic levels.”

Transurban also says the mass shift to working from home is not expected to last, with 86 per cent of people surveyed expecting to return to the office after COVID-19.

But just 42 per cent thought life would return to normal within 12 months.

Transurban released the data as it reported a net profit loss of more than $100 million for the 2019/2020 financial year.

Its Melbourne toll roads were the worst hit, with average daily traffic falling by almost nine per cent and revenue by 8.1 per cent.

“Transurban, like most businesses, has seen significant impact to our revenue as a result of COVID-19 and the associated government actions,” chief executive Scott Charlton said.

“Pleasingly we have seen clear signs of improvement in most of our markets as government restrictions have been eased. However, as evidenced by recent declines in traffic in Melbourne, we expect traffic to remain sensitive to government responses.”

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Knox Council Elections

findknox.com.au

By Warren Strybosch

Nine Councillors are elected by the residents and ratepayers of the municipality every four years. To find out more about your local Ward Councillor in their own words and how you can contact them, click on the relevant link below.

The Victorian Electoral Commission (VEC) conducts Council Elections and manages all aspects of the election process. Voting is compulsory for most people on the electoral roll.

Council Elections - 24 October 2020 Anyone on the Knox City Council Voters’ Roll can stand as a candidate at Council elections (some minor restrictions apply).

INFORMATION FOR CANDIDATES

INFORMATION FOR VOTERS

Ward structure for Knox Local council elections will be held by post in Victoria in October 2020. For more information about the election, visit our Local council election page.

The structure that will apply at the council election on October 2020 is: • 9 councillors – 9 x single-councillor wards You will vote for one person to represent your ward only.

View a map of the new wards on page 10

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

NOTE: By Order in Council under section 220Q(k) of the Local Government Act 1989, the boundaries of wards of the Knox City Council are fixed as described in this plan.

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SEPTEMBER 2020 | FIND KNOX

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9

Taylor Ward Councillors: 1 Lysterfield Park

BIO of Council Candidates - Next Edition 0

1

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DATA SETS SETS FOR FOR ALIGNMENT: ALIGNMENT: DATA ROADS AS AS AT AT FEB FEB 2015 2015 ROADS LOCALITY AS AS AT AT MAY MAY 2015 2015 LOCALITY PROPERTY GRID GRID AS AS AT AT MAY MAY 2015 2015 PROPERTY

kilometres I hereby certify that the electoral boundaries shown on this map have been aligned to Vicmap data to represent those boundaries as presented in the Electoral Representation Review Final Report for Knox City Council, submitted to the Minister for Local Government on 3 June, 2015.

Electoral Structure of Knox City Council

LEGL./15-283

Warwick Gately AM, Electoral Commissioner Map prepared by the Victorian Electoral Commission Vicmap spatial data provided by Department of Environment and Primary Industries Parks digital data used with the permission of Parks Victoria Copyright © 2015 - State Government Victoria

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Disclaimer: This content is provided for information purposes only. While every effort has been made to ensure accuracy and authenticity of the content, the Victorian Government does not accept any liability to any person for the information provided

We will be inviting all candidates running in the council elections to provide a bio of themselves and to answer some key questions regarding their nomination.

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findknox.com.au

Council Elections - Compulsory Voting

By Warren Strybosch

If you are enrolled to vote for the Victorian State Election and are a Knox resident, then you are automatically enrolled to vote at Council Elections and it is compulsory to vote. This means you are a state-enrolled voter If you are a council-enrolled voter, voting is not compulsory. See more about this on the VEC website:Enrolling for Council elections.

It is no longer optional for people over 70 to vote, following law changes that came into effect in March 2020. If you do not vote, you may get a fine.

If you care for a person who is incapable of understanding the nature and significance of voting, see the VEC website for Removing someone from the roll.

For more information on voting in council elections visit the VEC website: How to vote.

Help for voters who need it The Victorian Electoral Commission has a range of information • in languages other than English • in Easy English • for people who are blind or have low vision - call (03) 8620 1222 before Wednesday 16 September 2020 • voter education sessions for community groups anywhere in Victoria • The VEC You Tube channel has animations about voting.

Failure to Vote If you are on the Voters’ Roll for Knox in local Council Elections being held on 24 October 2020 and you don’t vote, you will receive an Apparent failure to vote notice in January 2021 from the Victorian Electoral Commission, under the provisions of the Local Government Act 2020. (Note: this excludes those who are council-enrolled voters as above.)

The notice will invite persons who were required to vote at the Council elections and who appear not to have voted to provide an explanation for why they failed to vote. You could also contest that you did, in fact, vote at the elections if you believe that you were incorrectly recorded as not having voted.

Infrigement Notices Infringement notices will be issued in March 2021 by the Victorian Electoral Commission to persons who were issued with an ‘Apparent failure to vote notice’ in January 2021 and who either failed to respond within the 28-day timeframe or failed to provide a satisfactory response. Infringement notices will carry a penalty. If that penalty is not paid, then a penalty reminder notice will be issued with an additional cost.

Contact the Victorian Electoral Commission (VEC) Phone: 131 832 Email: info@vec.vic.gov.au VEC online

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Super Row Erupts as Contributions Plunge

By Daniel McCulloch and Paul Osborne (Australian Associated Press)

Labor has seized on startling new figures as evidence an increase in the superannuation guarantee is more important than ever.

Quarterly contributions to retirement savings have plunged below zero for the first time since super was introduced three decades ago.

“The Morrison government’s lack of a plan for jobs and the recovery has already forced millions of anxious Australians to raid $33 billion of their hard-earned retirement savings,” shadow treasurer Jim Chalmers said.

“Now more than ever Australians need help to rebuild their superannuation balances.”

Superannuation benefit payouts soared 77.7 per cent in the June quarter, driven by the early release scheme that started on April 20.

Prime Minister Scott Morrison has flagged a legislated rise in the super guarantee rate could be shelved if the economy continues to struggle through the coronavirus pandemic.

He also launched a blistering attack against industry super funds while defending his decision to let people dip into their retirement savings. More than 600,000 people have taken money out of their super accounts early during the coronavirus pandemic. The prime minister claimed Labor was acting like “puppets on a string” for union fund managers by questioning the controversial scheme.

Mr Morrison argued people should spend the money as they see fit. “Those opposite (Labor) want to keep the hardearned savings of Australians away from them when they need it most and have it tucked up into the … union fund managers as they count their directors’ fees,” he said.

The Morrison government is separately pursuing legislation making it easier for employees to pick their super funds.

Some workers covered by enterprise bargaining agreements previously had their super fund chosen by employers.

Concerned the system was leading to duplicate accounts and higher fees, the government rewrote the rules through

legislation which cleared the Senate on Tuesday. The bill will receive a final tick of approval in the House of Representatives before it becomes law.

ACTU assistant secretary Scott Connolly said the laws were a coalition government gift to under-performing, for-profit, bank-owned superannuation funds at the expense of workers “Workers bargain for a single fund in the workplace where they know it is in their best interest,” he said.

“This ensures superannuation is paid in full and on time, that workers have the best insurance available to them and their line of work, as well as access to defined benefit schemes.”

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The number one killer in Australia. Take steps to protect your heart.

What is Heart Disease?

There are many different heart conditions.

Ischaemic heart disease, or heart disease, is the most common form of cardiovascular disease and refers to conditions that involve a reduction of blood supply to the heart. This can lead to a heart attack, angina (chest pain) or stroke.

Heart disease is a broad, umbrella term that includes a range of heart-related conditions – blood vessel diseases, coronary artery disease, heart rhythm problems and congenital heart defects.

In the last decade, the number of deaths from heart disease has fallen by more than a third from 99.1 deaths per 100,000 in 2007 to 62.4 deaths in 2016.3 Despite this, heart attack claims around 22 lives per day.

Warning Signs Warning signs of a heart attack can include one or more of the following symptoms and may vary in intensity: pain or tightness in the chest, difficulty breathing, breaking out in a cold sweat, dizziness, nausea, an aching

jaw, discomfort in your neck, aching shoulder/shoulder blades/back and numb or tingling arms. In the event of warning signs, the Heart Foundation recommends calling 000 immediately.

Fixed Risks

A Heart Foundation study revealed that almost three-quarters (73%) of Australians, aged 30 to 65 years, have been told by their doctor they have at least one risk factor for heart disease.4 There is no single cause of heart disease but multiple contributing factors. Some risks are fixed and can’t be changed but the good news is that many can.

Variable Risks

The risk of heart disease increases with age. Men are at a higher risk – it is the leading cause of death for males.

Women are also highly susceptible to heart disease. A women’s risk grows after menopause and it is the second leading cause of death for females. Ethnicity and genetics can also play a role.

“ There is no single cause of heart disease but multiple contributing factors. ”

Protect yourself: Minimise risk The first step to protect yourself against heart disease is to understand your risk factors.

1. Many risk factors come down to lifestyle choice so a change in behaviour is likely to reduce your level of risk.

2. Maintain a healthy weight. If all Australians were in a normal weight range, the burden of heart disease would be reduced by 25%.

3. A heart health check, conducted by a doctor or health practitioner, is recommended for people over 45 years old. For Aboriginal and Torres Strait Islander people, the recommended age is 35. It involves a blood test, blood pressure check and a discussion about your lifestyle and family history.

4. Knowing your risk, consider whether you have adequate insurance (e.g. life, trauma, total & permanent disability, income protection) to protect what you value most in life.

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Dementia

What is it?

Warning Signs

Dementia is the fastest growing cause of death in Australia. It has become the leading cause of death overall for females and second leading for males.

It is responsible for 11.3% of all female deaths and 5.8% of all male deaths each year, most occurring in people aged over 85. Australia’s dementia rates are higher than other comparable countries2.

Given the complexity of dementia, diagnosing it can be a challenge. There are also a number of other conditions that have similar symptoms including vitamin/ hormone deficiencies, depression, infections and brain tumours.

There are some early warning signs to watch out for, however these can be very vague or subtle. The list includes progressive and frequent memory loss, confusion, personality change, apathy and withdrawal, and reduced ability to perform everyday tasks.

Dementia is not one specific disease.

The word ‘dementia’ is an umbrella term used to describe the symptoms of a broad group of neurological conditions that cause a progressive decline in a person’s brain function. The knock on effects include difficulty in performing everyday tasks.

There are different types of dementia, each with their own causes, including Alzheimer’s disease, vascular dementia, frontotemporal dementia, Parkinson’s disease, alcohol related dementia and Lewy body disease. All up, more than 100 conditions are said to cause dementia.

Alzheimer’s disease is the most common, affecting up to 70% of all people with dementia. It damages the brain resulting in impaired memory, thinking and behaviour.

Risk Factors As with many other health-related conditions, many risk factors for dementia are within our control but others are not.

Fixed risks: The risk of dementia increases with age and currently affects more women than men. It is more common in people over 65 years old however it can occur much earlier. Around 26,000 cases have been diagnosed for people in younger age groups. Some types of dementia can be inherited, but most cases are not. A number of genes in relation to developing Alzheimer’s disease have been identified but more research is needed.

Variable risks: A number of health-related conditions have been linked to some types of dementia. For example heart disease, hypertension, high cholesterol, diabetes, obesity and high homocysteine levels are associated with an increased risk of Alzheimer’s disease. Smoking has also been identified as a risk factor.

Protect yourself: Minimise Risk •

The first step to protect yourself against dementia is to understand your risk factors. Some risk factors can be addressed through lifestyle changes and proactive management.

• Your brain matters. The importance of a healthy body is well-known but the importance of a healthy brain less so. Dementia Australia recommends five steps that can help keep dementia at bay: look after your heart, engage in regular physical activity, challenge/stimulate your brain, eat healthily and socialise.

• Knowing your risk, consider whether you have adequate insurance (e.g., life, trauma, total and permanent disability, income protection) to protect what you value most in life.

Questions? The National Dementia Helpline is 1800 100 500.

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Australian Growth Compares Well with the World

By Colin Brinsden, AAP Economics and Business Correspondent (Australian Associated Press)

Treasurer Josh Frydenberg expects Australia’s economic contraction in Wednesday’s national accounts won’t be as bad as other countries.

Forecasts centre on an economic downturn of around six per cent during the June quarter as a result of restrictions to tackle the coronavirus pandemic, although economists concede there is a degree of uncertainty about the result.

But it would compare with the enormous 20 per cent slump in UK gross domestic product and double-digit percentage falls in France, Canada, Germany and the US. “COVID-19 has wreaked enormous havoc across the global economy,” Mr Frydenberg told parliament on Tuesday.

“The expectation is that the fall here will not be as large as we’ve seen in other countries around the world, indicating the remarkable resilience of the Australian economy.”

Even so, if economists are right it will mark the biggest decline since the Australian Bureau of Statistics started plotting the national accounts in the late 1950s.

Reserve Bank governor Philip Lowe went even further back in history, saying the economy is experiencing the biggest contraction since the 1930s.

“As difficult as this is, the downturn is not as severe as earlier expected and a recovery is now under way in most of Australia,” Dr Lowe said in a statement following the central bank’s monthly board meeting. The sharp fall in the June quarter follows a more modest 0.3 per cent decline in the March quarter but will constitute a technical recession – two consecutive quarters of contraction.

As expected, the Reserve Bank board left the cash rate at a record low 0.25 per cent and will continue to target market interest rates at the same rate through the buying of bonds.

However, the Reserve Bank has extended its term funding facility to allow banks to have access to additional funding at a fixed rate of 25 basis points for three years, which will be available until the end of June 2021 and beyond the original September cut off date.

New ABS figures show Australia’s export performance has been a bright spot for an economy in recession, while government spending was also strong.

Net exports – exports minus imports – are expected to add one percentage point to economic growth in the June quarter.

It came as the nation’s current account trade surplus ballooned to $17.7 billion in the June quarter compared with $9 billion in the previous three months. The expected confirmation of a recession was blamed for a decline in consumer confidence in the past week.

The weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – fell 2.7 per cent, ending two weeks of gains.

But ANZ head of Australian economics David Plank was encouraged to see confidence in Victoria bucking the trend as the number of new COVID-19 cases in Melbourne continued to drop.

While Victorians may be in a better mood, separate data shows the state’s house prices remain in decline and its manufacturers are proving a drag on the sector’s national recovery.

The national CoreLogic home value index fell 0.4 per cent in August, with Melbourne prices falling 1.2 per cent.

The Australian Industry Group performance of manufacturing index also fell by 4.2 per cent to 49.3 points in August, just below the 50-point mark that separates a contraction in activity from an expansion. Victoria’s index fell 9.3 points to 44 but NSW and South Australian remained in expansion territory and Queensland improved.

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Self-Managed Super Funds: Members to increase to 6 ACCOUNTANT

By Warren Strybosch

A measure from the 2018–19 budget to increase the number of members allowed in an SMSF from four to six has been reintroduced into Parliament on the 2nd of September, after it was scrapped prior to the election.

Senator Jane Hume has introduced Treasury Laws Amendment (Self Managed Superannuation Funds) Bill 2020 into the Senate this week, which amends the SIS Act, Corporations Act, ITAA 1997 and Superannuation (Unclaimed Money and Lost Members) Act 1999 to increase the maximum number of allowable members in SMSFs from four to six.

Labor has opposed the bill already and other SMSF specialists have concerns that this measure may lead to elderly abuse.

The amendments will apply from the start of the first quarter that commences after the Act receives Royal Assent.

The SMSF sector has been growing over the past decade and continues to do so. However, with higher fees, further regulatory requirements placed on auditors, and accountants losing their exemption to provide advice in this area, it will be interesting to see if this sector will continue to grow as it has in the past.

Former Minister for Revenue and Financial Services Kelly O’Dwyer said the change would increase choice and flexibility for members.

Next month, we will be providing a special edition regarding SMSF. We will invite an accountant, financial planner, and mortgage broker to provide further

insight into SMSF and help you decide whether or not a SMSF is right for you.

We will look at the costs associated with setting up and maintaining a SMSF, how to obtain finance for a SMSF, insurances a SMSF can hold, and the obligations required of trustees to maintain one.

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

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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.

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Write Well to Earn More ACCREDITED EDITOR

By Susan Pierotti

‘Our organisation needed a more contemporary reimagining of our functional strategic hardware. This would involve recalibrating our KPIs and other quantifying and reporting mechanisms within the established framework in order to report back to the CEO and COO on or before COB on a date yet to be decided.’

Where do you think this quote came from? Can you describe the ideal reader the writer was targeting? Do you even know what it means? Amazingly, this is quoted from a church newssheet!

Writing is a basic form of communication and when we write well, it shows a courtesy to the reader, who is expending valuable time to read what you’ve written in order to understand or learn something. Writing well ensures that your efforts will be rewarded with people reading what you’ve written.

The quote above is not written well because it’s unintelligible to anyone outside the church congregation – and probably quite a few within!

You don’t need a tertiary degree in English to be able to write well. Try applying these tips to ensure you are read and understood every time.

Say what you mean Let’s look at the phrase above, ‘a more contemporary reimagining’.

The word‘contemporary’has the meaning of ‘up-to-date’, ‘current’ or ‘fashionable’.

As the process of reimagining (and even just ‘imagining’) takes place privately inside people’s brains in real time,

who decides what is more up-to-date or what the fashion is that our imagination needs to conform to? The words ‘more contemporary’ are superfluous.

form, followed by a beautiful slow movement, a Scherzo replacing the usual Minuet and ending with a Presto vivace.’

And what about the word ‘reimagining’ – does such a word exist? If the writer of this quote meant to say their branding style needed updating, why not just say so?

The audience was almost comatose with boredom after that! What the audience wanted to hear was whether Beethoven was deaf when he wrote it, how the slow movement describes his walks through the countryside and what is a Scherzo.

English has more descriptive words than any other language but simple, plain words are often more powerful.

What do all those letters stand for?

There are many abbreviations that we use to help us to read. USA, NSW and ALP are just three that spring to mind.

Shortening the text in this way helps the reader process information quickly.

However, we should be aware that we don’t litter our text with loads of threeletter acronyms (known as TLAs).

KPIs, CEOs, COOs, CFOs and COBs are TLAs in standard business jargon and are appropriate when used in a business context. They refer to Key Performance Indicators, Chief Executive Officer, Chief Operations Officer, Chief Finance Officer and Close of Business. But there may be many of your clients and customers who don’t know what the letters stand for.

Best editing practice is to spell it out the first time you write it with the TLA in brackets; after that, you can use TLAs to your heart’s content.

Beware the jargon The industry I used to work in was the Classical music scene. Some of my colleagues would introduce a wonderful piece to an audience like this: ‘The piece by Beethoven is in four movements: a stately Allegro in Sonata

Every industry has its own special words.

Do your readers know what they mean?

Again, simple words (but not patronising ones!) will win your clients and customers over.

Features or benefits?

The reason behind why you are writing and why the reader is reading may be two different things! You may want to advertise your latest product or service but your reader is probably wanting to know if you can solve their problem.

Your new offering may indeed be just the thing to assist your customer but be wary of filling your text with all the great features your product has, or the amazing new program you’ve designed.

Tell you reader how your newest business add-on will benefit them, how it will solve their problem and, most importantly, how it will make them feel.

Not everyone has the time, resources or skills to write. If that is you, and you have blogs, newsletters or marketing that need quality content aimed at your target market, contact Susan at Creative Text Solutions, susan@creativetext.com.au.

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Be The Leader Your Child Needs You To Be PARENTING

By Lesley-Anne Banton

Now more than ever your child needs you to lead the way for them, help them navigate their emotions and how they see themselves in the world. They live in an age where they are surrounded by instant gratification, lack a sense of belonging, connection, fear, uncertainty, limited skills of patience and resilience.

Leadership is about challenging what we know and to be open to new ideas.

Parenting has been conditioned into us for many decades it is seen as something that is what we have always done, wash, rinse and repeat, generation after generation and is sometimes undervalued because of this.

Parenting is more that the conditionings of the past. It is more than something you ‘do’. It is seeing a child that is more than just something that moves through developmental milestones. It is leadership in the most profound way, It is starting with the end goal in mind for each child as an individual and helping them navigate their unique road map, not yours.

Leadership in parenting is identifying the unresourceful patterns and dysfunction that help you back and not unintentionally and subconsciously passing this on to your child to own and work out when they get older.

It is being open to being challenged on what you have been doing that has not worked and changing it so it works better for you.

It is facing the unresolved stuff that you have carried forward from childhood and still subconsciously playing this out in your parenting.

It’s letting go of being that misunderstood child that didn’t reach their potential and allowing yourself to fully reach that potential by understand yourself now as an adult so you don’t misunderstand your child and pass it on for another generational cycle.

Having a leadership mindset helps us to tap into the curiosity we were born with, keep growing, moving forward, keeps us stretching, seeking the next level and reaching goals.

Having a leadership mindset motivates us to live our passion and show our children how to live theirs, create our visions and design a life of fulfilment.

Having a leadership mindset assists us in challenging the status quo and rules and allows us to be innovative in our own lives and business.

What is a leadership mindset?

A lifelong learner, that finds a way.

It is someone who seeks to continuously challenge themselves to grow and stretch.

Someone who seeks to challenge their mindset, breakthrough limiting thoughts and beliefs, (which inevitably can be traced back to some point in the Imprint years of 0-7 years old where they were first embedded).

and a learnable skill that starts with empathy and a change in perspective.

He says leadership is an infinite game where rules are changeable, and the game keeps going (a long-term vision) not a finite game where there are fixed rules and time limitation.

It is someone who seeks out the right mentor, coach, book, podcast or gathering that will support their growth.

Why is this important?

It’s important to you so you keep growing and adapting and your vision can grow.

It’s important to those who you inspire and those around you, it’s part of your legacy. Gandhi once said “be the change you want to see in the world”.

It is someone who seeks to see and understand each individual, sees through their eyes and shines the light on their uniqueness.

By continuously growing your leadership skills, mindset and actions you are creating change around you, including your children and loved ones.

It is someone who helps people achieve their goals and develop leaders around them and give them the tools to become visible.

Imagine the change you would create by challenging your mindset and adopted a leadership mindset, challenging the rules and conditionings of the past. Come from compassion and empathy and seeking to fully see the world through the child’s eyes.

It is someone who seeks to fully understand their internal worlds and put language to it so they can then support others.

Someone who has congruency between what they say and what they do.

It’ is someone who empowers themselves and others.

What if you could fully see the child, not as you are but as the child is?

What if you could clearly see their strengths, uniqueness and their point of difference?

Someone who has a proactive attitude takes responsibility, accountability and finds a solution.

What if you could help them master their challenges and build their resilience to failure?

Sees failure as feedback and challenges as growth.

What if you chose parenting as an infinite game with a long term inspiring vision with a clear why and purpose?

Seeks to understand others, see through their eyes and learns a range of communication styles.

Has empathy and compassion to others, and so much more…

Simon Senik, author and motivational speaker, describes a leader to take care of those in our charge not be in charge, leadership is a skill that is practicable

What if you helped install empowering beliefs in the imprint years of 0-7 years old? What if?

Lesley-Anne Banton Leadership and Parenting Disruptor and Coach.

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

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Learn from the mistakes of others GENERAL INSURANCE

By Craig Anderson

Handling claims is an inevitable part of your job when you’re an insurance broker. They don’t however, have to be an inevitable part of running your business. Increasingly the insurers I deal with on a daily basis are asking me what my clients have done to ensure they don’t have a repeat occurrence.

The policies, procedures, administration, training, education, and execution of the tasks are called into question. In the eyes of the insurer, a repeat of the same claim due to a lack of action from the insured is unacceptable once a cause is identified. That’s a fair criticism if a few easy changes and small adjustments can prevent a repeat of a mishap.

Whilst it’s not possible to gaze into a crystal ball to see the future, it’s easy to look at past claims examples from recent history to see where others have failed.

For instance, if you are a tradie and you could look through the claims history of all tradies, you’d see a pattern of similar claims emerge where some key learnings could be taken for your own business, which would help you avoid future losses. Examining others’ mistakes can give you some insight into what to avoid but not always how to avoid it.

Fortunately, with a little help the answers are easily found.

As this article is intended to be general in nature, I won’t give examples specific to only one trade as this won’t help too many people. What most trades have in common is the need to attend site, and so transport and tools seem to be a good area to focus on. An increasingly frequent loss for trades is tools being stolen from trade vehicles on driveways at night. Those left unattended on the open tray of utes and trailers can go missing in an instant. Disappointingly, the vehicles and trailers go missing too.

If they’re not locked in the vehicle, the tools aren’t usually covered. Although parking in a locked garage is not always practical, it’s advisable when possible.

You can start by locking the tools away in the vehicle, add some visible and high quality cameras and sensor lights to the house looking over where you park, and have a dash-cam in the vehicle which records to the cloud. Often thieves will pull a cap down low, and a good picture of their face could be picked up by a dash-cam which sits at a much lower angle than a house mounted camera.

To aid in vehicle recovery, a GPS tracker mounted in a hard to reach spot may greatly increase the odds of getting your prized workhorse back. An alarm and immobilizer are also good investments which might cause a would-be thief to

give up quickly. Locked gates can also slow down thieves. If it becomes too hard, the hope is that they will find a softer target elsewhere and leave you alone.

If all else has failed and your precious tools are gone, a good insurance policy can save you from shouldering the loss alone and get you back to work quickly so you can earn an honest living again with the minimum of fuss.

When it comes to avoiding third party damage on site, that’s a whole other conversation best had one-on-one. Talk with your broker about minimising risk before something expensive (and very easily avoided) happens to you.

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

Craig Anderson Small Business Insurance Brokers 0418 300 096

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Do I need an Architect for a Small Home?

ARCHITECT

By Kathy Ismail

What is a small home? A more realistic concept of big or small depends on how many tradies it takes to complete the job.

I always believe that if you only need one carpenter, it’s most probably a job for a handyman or even DIY. If you have three or four, it might worth getting someone in with a little a bit of knowledge, that is, a handyman with a team or a builder.

Once it needs five tradies or more, with two waterproofed-required areas, it’s time to get an architect!

Architects don’t believe that size is everything. Whether a house is small or large doesn’t matter when you consider the requirements for building plans and permits, design, collaboration with the builders and so on. You might be surprised how useful architects are, even for small homes!

That’s because architects are the masters of utilising space. They are able to point out where extra room can be unlocked in your home and show you imaginative ways to convert your small house into something more spacious.

The most obvious time to employ an architect is when you’re thinking of extending or if you want to your existing space to fit your needs better. Extensions are probably the second largest expense you will ever have (the first being buying your home), so why not employ the best professional to help you?

Go upwards if you don’t have the land area to extend outwards. This is a particularly common practice in many cities around the world where land is scarce while needing to make room for their family members.

Architects have professional indemnity insurance, meaning their clients are protected, and they are able to acquire all the necessary documentation from your local council, leaving you with peace of mind to dream of how you’d like your small home to look and feel.

Let’s think about the space you already have. Do you want an open-plan layout but can’t see how the walls could be knocked down? Do you need an extra bedroom because, joy of joys, you’re having another baby? Do you need a granny flat in your backyard or an extension to your garage?

Architects live and breathe space – it’s their medium. They will create opportunities for more spacious living by developing every inch of your dwelling to its maximum effect.

There are several features you already have in a small home that can be redesigned to increase its space potential. Door openings, room to room views, windows, lights, mirrors, skylights, colours, piping, vents – all these can adjusted, replaced or realigned to deceive the eye into thinking your home is higher and wider than it really is.

If there is no room for an actual extension, an architect will be able to work within your small home’s given parameters.

Small homes often have a problem with clutter as there simply is nowhere to store things. Furniture can be custom designed to solve this.

if you are now required to work from home due to Covid-19. How about a workstation tucked in beneath a small mezzanine bedroom? Multifunctional spaces, built-in storage, longer and wider views – these are the tricks that an architect can apply to make the smallest home seem like a large mansion.

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

Kathy Ismail ARCHITECT www.kirarachitecture.com 0422 026 962

Beds can be built upon a base that include drawers. Furniture that can be folded up and stowed away when not in use is a great addition to a small home.

Imagine being able to shut up the ‘office’ at the end of a working day, especially

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Can Your Home Loan Survive COVID?

MORTGAGE BROKERING

By Reece Droscher

As most of us are impacted by the effects of the current State of Emergency lockdown in the wake of the COVID-19 pandemic, be it physically, emotionally or financially, it is becoming increasingly important for anyone with a mortgage to understand whether their current loan is the best solution to meet any potential change in circumstances. Borrowers need to know how much their current loan is costing them, and how will their current lender support them in times of financial crisis. Is your Home Loan healthy enough to help you through this pandemic?

Workers in most industries have been severely affected by the restrictions put in place to prevent the spread of coronavirus . In response to this most lenders have programs designed to assist clients financially should their employment/ income be impacted negatively. As at June 30th the data provided by Home Finance lenders showed that around 10% of Home and Investment loans were under a repayment deferral program, representing around $195 billion in loans.

Small business had also taken up the offer of repayment deferrals on commercial loans at around 17% of the total small business loan market.

The assistance package generally consisted of repayment deferrals for periods initially up to six months, however a large percentage of those loans under the repayment deferral program will be coming to the end of this period. Some lenders have commenced reviewing the requirements of those who took up the deferral option in the first wave of

restrictions. Most lenders have advised that, for those who still require assistance, there will be options available to extend the deferral period, however these will be subject to regular review and arrangements will be for shorter periods.

There is also a misconception amongst some borrowers that, with repayments put on hold, any other costs will also be deferred. This is not the case. If you decide to defer your loan repayments the interest on the loan is still being calculated and is added to the loan balance. Once the deferral period is completed, borrowers could find themselves in a worse position as they owe more than they did before the deferral period commenced.

They may have to commit to a higher loanrepayment than they were paying before the repayment deferral period commenced.

If you are a borrower who is about to finish the initial repayment deferral period, or due to lockdown need to approach your lender for repayment deferral assistance, there are ways to mitigate the impact of this, now and in the future.

1. Review the current interest rate and approach your lender to switch to a cheaper option before you request the repayment deferral. This will help to reduce the amount of interest that would be capitalised to your loan during any repayment deferral period.

2. Re-commence your repayments as soon as possible to reduce the additional interest costs if you can afford to do so. Even setting up a part-payment arrangement with

your lender will help to offset some of the extra interest which will be charged during the deferral period.

4. Refinance to another lender should you still be employed. A number of lenders offer discounted rates to new customers, and these can be significantly cheaper than rates offered to existing borrowers. Some lenders will take JobKeeper into account as acceptable income to repay a Home Loan, so even though you are receiving some assistance you may still be eligible to borrow to refinance and get into a better position.

A mortgage broker can help borrowers navigate the way through the options to ensure they get the best outcome under the circumstances. At SHL Finance we are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save their clients thousands of dollars. We would love the opportunity to help you too.

Please call Reece Droscher on 0478 021 757 should you want to discuss your options.

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

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5 Types of Garage Doors Noises and What to do about them this closing or stopping halfway up, not closing or opening properly and being difficult to operate.

The good news is that a garage door specialist can reinstall your door so that everything is aligned as it should be.

GARAGE DOORS

By Chantal Djuric

Noises from garage doors are like pains in our bodies – they tell us when something is not quite right. Here are 5 types of noises you may hear your garage door making.

1 Bent tracks If your garage door makes rubbing noises when you open and close it, this could be a sign that the metal rail has bent. Another sign of this is if you see loose screws.

Don’t try tightening them using a wrench or socket set. Call a garage door specialist at once.

2 Loose parts Each piece of your garage door hardware can become loose and they each have their different sounds. Highpitched squeaking or grinding noises may mean that the rollers or hinges are worn out. A loud slapping sound is caused by the rollers smacking against the track. This is because of jerky door movements due to a loose garage door opener chain becoming loose. A vibrating or rattling noise when you open and close it indicates that nuts and bolts have become loose. Metal or sloppy rollers or hinges will become noisy and worn after an extended period of use or if they are bent.

Call in a specialist to tighten whatever is loose and to replace old and worn out parts.

3 Poor lubrication When the door moves, it results in friction, which can cause squeaking, rattling or grinding.

Specialist assistance Fixing the noises of your garage door yourself is definitely not a DIY job. There are many factors to consider, such as the variety of garage doors – panel doors, roller doors etc. How they are attached to your garage, the structure of your garage and its alignment to your house, your garage’s overall condition and even the weather are factors that only a specialised garage door expert can analyse to fix the noise problem.

Here are 4 ways a professional garage door technician can make your door quieter:

If you think of lubricating the worn rollers, don’t reach for your WD40 – check with a garage doors specialist what the best lubrication is. Remember the extreme tension the torsion springs are under — don’t place any part of your body in or near the springs. Don’t repair, remove or adjust the springs or any connected components of the counterbalance system.

•

A regular service by a garage door technician will prevent parts from wearing out.

The best way to keep your door operating correctly and safely is to have regular garage door maintenance. For 24/7 garage door servicing, give Cruzin Garage Doors a call on 0427 894 603 or email us at sales@cruzingaragedoors. com.au.

4 Unbalanced doors Banging, rattling, scraping or squeaking noises could be bad news – your garage door could be unbalanced. If so, the springs could be either exert too much tension or not provide enough to counterbalance the door’s weight, resulting in a snapped spring or cable, or the opener failing prematurely.

• • •

Replacing steel or metal rollers with nylon rollers Installing a belt-driven garage door opener instead of a chain-driven one Installing torsion springs rather than extension springs, if there’s space Performing a thorough inspection to confirm your garage door is appropriately operating.

Chantal Djuric GARAGE DOORS 427 894 603 www.cruzingaragedoors.com.au

Worn-out hinges aren’t as common as worn out rollers, but they can make a lot of noise. Check to see if the hinges are broken, worn out or have metal fillings or dust around them. Don’t repair, remove or adjust the hinges yourself. This is definitely a case for a garage door specialist.

5 Improper installation If your garage door is grinding, squealing or rattling loudly, it may have been installed incorrectly. Other indications of SEPTEMBER 2020 | FIND KNOX

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Feeding Cues: The Secret To Knowing When To Feed Your Baby LACTATION CONSULTANT

By Dr. Joanna Strybosch

How do you know if your baby is hungry? Are they crying because they are hungry or because they are tired?

Or for some other reason? Pain? Too hot?

Cold? Wet nappy? Navigating the world of a new baby can be overwhelming at times and the learning curve can be steep. One of the most important things a parent needs to know is if their baby is trying to signal their hunger. Wouldn’t it be helpful if babies could tell us when they are hungry?

Fortunately, the fact is that babies signal their desire to feed in predictable stages and they use their movements to indicate these. Once parents learn to observe these behavioural cues, they can more easily tune in to what their baby is communicating. Many new parents make the mistake of thinking their baby will cry when they are hungry.

Unfortunately crying is the last stage of hunger and by the time a baby is crying they are no longer in a good state to feed.

Dr Bronwyn Leigh, from the The Centre for Perinatal Psychology describes six states of alertness that babies oscillate between, from deep sleep through to crying. Dr Leigh says that each baby is unique in their rate of transition between their states, with some babies moving quickly between them and others spending considerable time in each state. The 1st state is “Deep Sleep”, the 2nd is “Active (Light) Sleep” and the 3rd is “Drowsy”. The 4th state, “Awake, Alert”, is one most parents will resonate with.

It’s often the most rewarding state for parents, as babies are relatively quiet and inactive with bright shining eyes. The 5th state is “Alert but Fussy” and the 6th state is “Crying”.

Herein lies the key. Babies will begin to cue their hunger while in the “Awake, Alert” state, which is often long before parents expect it. The earliest and most subtle feeding cues involve mouth movements. If their signal to be fed is not met, babies will then move to mid feeding cues which involve body movements.

By now a baby’s state is shifting to “Alert but Fussy”. As a last resort, if still not fed, a baby will transition to the “Crying” state. Unfortunately, once a baby is crying they are not able to feed well.

They have become hyper-aroused, their sympathetic state has been heightened and they have become neurologically disorganised. Now, a baby must be assisted to shift their state back down the continuum before he can latch correctly and co-ordinate sucking, swallowing and breathing.

Early Feeding Cues: Mouth Movements These may include licking their lips, opening their mouth and turning their head. These mouth movements are driven by a baby’s innate reflexes that are associated with feeding. They can be seen right from birth and are especially noticeable in young babies up to about 3-4 months of age. The best time to feed a baby is when he shows these early cues. This will most likely occur soon after a baby has woken from a sleep, as he transitions from a “Drowsy” state into the “Awake Alert” state. Some babies will even show early feeding cues in a “Drowsy” state of alertness, which is great for dream feeds late at night when you want to feed your baby without them being fully awake. For some mums, they find their baby feeds better overnight than in the day time. This can sometimes be because in the daytime, a baby has passed their best state to feed in before mum offers the feed. So, look out for those early feeding cues so you don’t miss the most optimal moment to feed.

Mid Feeding Cues: Body Movements Body movements indicate an increasing state of alertness and may include stretching, wriggling/jerking of arms and legs, fisting of hands and putting hands to mouth. Once a baby is signalling with these cues, they require feeding straight away. Even a delay of a few minutes can mean the difference between a successful feed and being too escalated.

Late Feeding Cues: Upset Baby This may present as fussing, outright crying, and turning red. An upset baby is in need of calming first, before feeding.

It is not physiologically or neurologically possible for a baby to organise themselves to feed well while they are crying.

Some babies are able to return to a better state for feeding quickly. But most babies who have reached a state of distress will require some soothing to assist them to calm down. This could come in the form of talking to them in a calming manner, stroking and cuddling them in an upright position, and best of all, skin to skin contact. Once the crying abates for a moment, try offering the feed. If baby cries again rather than feeds, return to soothing for a little longer and then try again.

For more information on feeding cues and practical help with feeding your baby, consult a certified Lactation Consultant.

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

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

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COVID-19: How to Prepare Your Business with Signs SIGNAGES

By Glenn Martin

We know how important maintaining your business is right now, and we want to help you to inform your customers of your new processes, and to share your important safety messages. We understand the unique needs of business owners to ensure they are providing staff and customers a safe environment, and we know how to associate your brand with safety, professionalism, and comfort.

We are waiving rush fees and offering next day service on most signage related to Coronavirus (COVID-19). In case you are not familiar with what your options might be, or what Covid Safe and Social Distancing graphics might entail, we thought we would put together a helpful guide for you. You are probably well aware of Government advice for Social Distancing is to keep a distance of 1.5m from each other wherever possible, and there are a variety of formats that this message can be communicated.

Floor graphics Installing bespoke floor graphics is a great way to ensure your customers, the general public, students or staff, understand the safe distance to stand apart from each other. It is all too easy to overcompensate distance or to stand too close to someone, especially in a somewhat unfamiliar or more crowded environment.

It is important to use the correct materials when producing floor graphics for areas of public use, so a trip hazard is not being introduced. A good strong adhesive, suited to the flooring material, with a rated anti-slip seal is a must.

Installing floor graphics allows you to add communication that follows your brand identity to speak to the public visually, even when asking them to follow a procedure.

Free-standing signage If you are looking to remind the public to follow Social Distancing directives, freestanding signs, in important positions around your store, school, office, etc. are a great idea. There are a number of options for these including pull-up banners, small A3-size print holders with a pole and base, or an A-Frame sign.

Custom Acrylic Cough Screens If you are thinking about adding acrylic barriers between employees and customers, did you know we can either

engrave directly to the acrylic, or apply cut vinyl to the surface? This would allow your brand or your messages to be applied directly to the surface for customers to view on your custom-made screens.

Posters and Banners A good old fashion poster or banner is a simple yet effective way to share your Social Distancing policy and information with those around you. We can print to any size, from standard A sizes to bespoke shapes and dimensions and these can be made for internal or external solutions.

Window and walls As well as the above, we can produce signage and graphics for your windows and walls too. Perhaps you want to share a Social Distancing policy on your windows, doors, or exteriors before the public enters. These can be in the form of cut vinyl decals, posters, boards, selfadhesive vinyl, hanging signs or even wall paper.

Standees and Strut Cards Ideal for check outs, shelving, or even the floor, we can produce free-standing signs with supporting struts to fit in most locations. These could house any information, from simple messages, to a full-size cut out of a staff member asking customers to maintain a safe distance. Standees can be straight cut or cut to shape or printed double-sided for double the impact. These are great vehicles for directional signage, and simple, yet important, messaging.

If you want to print a creative custom design, feel free to challenge our designer, or we can use off the shelf stock images to meet your requirements.

If you want to get creative and have any other ideas for Social Distancing graphics, just let us know and we will be happy to brainstorm ideas with you and

suggest interesting production methods and materials to get the message across.

Send us an email to mitcham@signarama. com.au with any requirements or questions you may have. Our showrooms are closed, but we are still open to take your orders and make them available to you by delivery or contactless pick up at your local Mitcham store. Our ability to install signage is impacted under stage 4 restrictions, but there is nothing stopping us from getting the ball rolling on your upcoming project.

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

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Jobkeeper: Fair on Unfair BOOKKEEPER

By Neha Nayyar

In March 2020 the government introduced the JobKeeper payment scheme; a response intended to keep more Australians employed while supporting business owners affected by the current economic downturn due to the global pandemic. This was a great initiative introduced by the government however due to a strict set of guidelines on who is eligible for JobKeeper and the Cashflow Boost, getting the support doesn’t come easy for some.

Something as simple as whether you report your BAS monthly/quarterly/ annually can determine whether your business is eligible to receive the government financial support or not. The reporting cycle also gets you a different amount of cash flow boost.

While there is supposedly a lot of support - there are a lot of business owners missing out. Following are some case studies from we have experienced: 1. Cafe ABC - A business owner opened a cafe in December 2019, registered for annual BAS lodgement and was denied the cashflow boost.

In order to determine your eligibility for Cashflow boost the ATO requires a lodgement to prove your income.

Had they lodged a December 2019 BAS if they were on quarterly basis, they would have received the cash flow boost.

2. Hairdresser ABC - A Hairdresser was advised by their bookkeeper that they do not qualify for Jobkeeper.

However looking at all the tests we found they were eligible. It does not hurt to take a second opinion if you have been told by one provider that you are not eligible for the boosts.

3. Wine Distribution business ABC - A wine distribution business located in Northeast Victoria opened its doors in January of this year. The business immediately suffered as a result of the bushfires and just when things were looking promising, their business was once again affected by the pandemic. Unfortunately this newly established business was not eligible to receive any Covid financial support because they had registered for quarterly BAS lodgement and did not make any

sales in the first three months of opening their business. Many new business owners find themselves in this exact predicament.

With the start-up costs associated with opening your doors while trying to build up your clientele, the financial burden weighs heavily as they are being denied the support.

4. Carpenter ABC - A carpenter who had not earned any business income since April 2020 was ineligible to receive any Covid financial support because of a mistake made by his accountant. In this scenario the carpenter hired a Tax Accountant to lodge his tax returns however the accountant did not process the returns with the ATO even though the client had signed the documentation.

In the eyes of ATO they are behind by 3 years of lodgement. They were not GST registered so no BASes to prove in the absence of Tax returns.

Due to this situation the client has not been able to receive the Jobkeeper.

Unfortunately this is not an isolated incident, time and time again business owners are expected to put their trust in accountants who can often fall short and it is the business owners who suffer.

These are unprecedented and difficult times for every business owner and it’s essential to our economy that businesses remain open. Unfortunately, due to the strict eligibility criteria many business owners are missing out and have no other choice than to shut their doors for good. Now more than ever

Accountants and Bookkeepers have a huge responsibility in relaying accurate and timely information to their clients to help them receive the financial support they need.

At Sum and Substance we are passionate about providing accurate and timely information to our clients. If you would like our support in determining your eligibility for JobKeeper and Cashflow Boost or simply have a question about the economic stimulus packages offered then please contact us. We can be reached at (03) 9424 9447 or email. You can directly book in a time to chat by clicking here.

Neha Nayyar

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Which Platform Should I use for Marketing MARKETING

By Matthew Benn

This is by far the #1 question I’m asked, after someone finds out I run a marketing firm.

Before I give you the answer… let me give you some context about why this is such an important question to ask, prior to launching into ANY marketing activity.

Unfortunately, a lot of people (and businesses) jump to conclusions that will hurt them financially, and make it harder for them to be successful with marketing in the future.

Let’s jump in…

1. Organic Content Marketing Most platforms have an element of organic content marketing, which use an algorithm to serve content to its users. How your content is served to the users of a specific platform is based largely on the algorithm on that specific platform. Aspects of how your content accurately answers the questions being asked by their users as well as your following (people who follow your content actively) also make a substantial impact on your results. The algorithms for each platform change on a regular basis… hence you need to be a frequent, skilled and knowledgeable user as well as have an active and growing following to be able to get a good ROI from an individual platform.

2. Paid Advertising The majority of digital platforms that we use these days have an element of advertising which is served up to us based on our habits ‘surfing the web’ and on their specific platform.

Certain platforms are a little better at targeting than others but all have their benefits for certain types of selling and certain types of market sectors/ industries. Make sure you have a very specific target market dialled in – whenever you advertise.

Please take note: Facebook is one of the easier platforms for advertising… however this opens the door for just about anyone to “give-it-a-crack”… hence there are millions (probably more) of businesses that are using it badly and just making noise. If you don’t use it well – you’re just adding to the noise and throwing money into the abyss!

3. Multi-touch, Multi-platform The majority of buyers need between 8-12 touch points (current stats) with the right information and knowing your brand to make a purchasing decision. Most companies disregard these figures and try for a one-touchwin and normally on the cheap = almost never works and is potentially damaging for the future. Buyers are on different platforms and don’t get to a buying decision after seeing one blog or Ad… it’s called a “buyers or customer journey”; hence anything you do – needs to be a multi-step and multi-platform effort. Now it comes down to which platform you use first, because you need to use multiple platforms.

4. Targeting First you need to know who very specifically you are trying to target with each piece of content/ Ad. Then you need to understand where they are spending their time “looking/ searching” for answers to their questions - about how to solve the problem in their life that you solve.

And then how you will present the piece of information = attractively with words and also images or video.

If you understand these things your job is easy… however most people jump straight to “we sell this and it is great”.

This last point - is the most important point.

PLEASE do some research on your buyers, the market and competition – prior to doing any marketing. There are multiple reasons… but mostly because buyers need to be wooed by your advertising and they are sick of terrible advertising. and says exactly the same thing as everyone else in the same space. If you stop and think about it for a minute, your current customers have come to you because you are different. Think about what they say about you, when you talk to them about why they do business with you = they’ll be more than happy to tell you! Your message needs to reflect what they say.

To wrap it up (in SHORT)…

A) Awareness = You need to intimately understand your buyers, your competition and your unique value proposition in the market. This will help you understand where best to advertise and what mix of advertising is best = called a marketing mix, see this article for more information.

B) Build a Base = You need to have a very specific plan, system and the creative material to get the attention of and attract your potential customers; with whatever types of marketing you found was appropriate in “Phase A”. This second phase is the time to define and refine these things and put them into a solid marketing message and the creative pieces that make it pop!

C) Campaigns that convert = Start marketing, test and measure the results to see what gives the best outcomes and keep refining on the platforms and with whichever methods work best.

This is the system we use with all our customers, the “ABC Growth System”… making Business Growth Simplified!

“All buyers want to feel like they are getting a lot more value than they are paying for!”

Just remember good marketing is a fairly slow, detailed and group of methodical activities – which gets results if patience and good planning are used in the right way. Buyers want to be gently guided with information that answers their questions and given value along the way that is different from your competition and helps them to identify you as having the solution that they see as the best fit for their problem.

Most people are too impatient and hurt their chances of getting good results by doing things that seem “needy” and just plain pushy… which no buyer enjoys.

If you are confused or frustrated with marketing and would like someone to guide you and your business from where you’re at, to getting results give us a call or email and we’ll have a chat to see how best to help you. …this could be just to give you some advice on how best to go forward – we don’t work with all who enquire about marketing with us.

We are business growth experts, helping frustrated owners get better results with their marketing and sales; also offering training for those that want to do it themselves.

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

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ISO Father’s Day! EDIBLE BOUQUETS

By Tk Saunders

So we are still in Iso, and another special day is here, fathers day!

We sincerely hope you have a great day! Hopefully soon we will all be out of Iso and can start to see our families, loved ones and friends!

Well luckily we have many customers that booked in to send a bliss bouquet to their special dads.

Remember any special occasion coming up we can help with a delicious bliss bouquet just give us a call on 0487823523, or check out our facebook or instagram pages, mention this article to receive a $5 discount on your first bouquet.

This bouquet (pictured) is one of our most popular bouquets, it’s our XL meat and cheese with chocolate the absolute best of the best! A bit of sweet, a bit salty, a bit of savoury!

Its has chocolate dipped strawberries, ferreros, salami dried apricots, dried blueberries, twiggy sticks, ,more salami, wasabi peas, pistachios, mixed roasted nuts, trail mixes, prosciutto, kabana, smokey cheese, Brie, baby bells, more salami, chorizo, olives, chillies, oh and did we mention salami? Who doesn’t love salami?

So to all the dads stuck in Iso Happy Fathers day!

As always stay safe and stay cool, much love Tk and Marie, Bliss bouquets,, The flavour of extraordinary.

Tk Saunders

Hacking could trigger ‘national emergency’

By Daniel McCulloch (Australian Associated Press)

Cyber attacks on Australia’s critical infrastructure could soon trigger a national emergency declaration, empowering security agencies to launch counter assaults.

The federal government is seeking greater powers to protect private sector assets such as electricity grids, communication lines and big banks from hacking attacks.

The Department of Home Affairs has released a discussion paper on declaring an emergency during an immediate and serious cyber threat to Australia’s economy, security or sovereignty.

“In an emergency, we see a role for government to use its enhanced threat picture and unique capabilities to take direct action to protect a critical infrastructure entity or system in the national interest,” the paper says.

“The primary purpose of these powers would be to allow government to assist entities take technical action to defend and protect their networks and systems, and provide advice on mitigating damage, restoring services and remediation.”

The department says the emergency powers would primarily be discharged on a voluntary basis.

“However, there may be cases where entities are unwilling to work with government to restore systems in a timely manner,” the paper says.

“Government needs to have a clear and unambiguous legal basis on which to act in the national interest and maintain continuity of any dependent essential services.”

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SEPTEMBER 2020 | FIND KNOX

How to do a Budget

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FINANCIAL PLANNING

By Mari Nguyen

Easy Steps to plan and manage how you spend your money Having a budget helps you to feel in control of your money. You can put aside money for big bills when they arrive, and plan savings to achieve your money goals.

You don’t need an accountant or special software to set up your own budget. Start by looking at where you are right now and where you want to be.

Set your money goals First, work out why you want to do a budget. This can help you to decide where you want your money to go.

Ask yourself: what is my goal? It could be to stay on top of bills, save for emergencies, pay for your children’s education, or save for a holiday or a house deposit.

See where your money goes Having a clear picture of your regular expenses and spending habits will help you set up your budget.

To do this, track your spending over a week, a fortnight or a month. See track your spending for practical ways to do this.

How to set up your budget •

• • •

Use how often you get paid as the timeframe for your budget. For example, if you get paid weekly, set up a weekly budget.

Then follow these steps to set up each section.

Use our budget planner Set up your budget and save it online or use our Excel budget spreadsheet.

1. Record your income Record how much money is coming in and when. If you don’t have a regular amount of income, work out an average amount. Make a list of all money coming in, including: • • •

how much where from how often (weekly, monthly or yearly)

fortnightly,

This money could be from your wages, pension, government benefit or payment, or income from investments.

2. Add up your expenses Record your regular expenses, including: • • •

what for how much when

Regular expenses are your ‘needs’ — the essential items you need to pay for to live. These include: Fixed expenses, for example: • • • • • • •

rent or mortgage payments electricity, gas and phone bills council rates household expenses, like food and groceries medical costs and insurance transport costs, like car registration and public transport family costs, like baby products, child care, school fees and sporting activities

• Debt expenses, for example: • • •

personal loan repayments credit card payments mortgage repayments

Unexpected expenses, for example: • • • •

car repairs and services medical bills extra school costs pet costs

To make sure you’ve recorded all your expenses, look at your bills or bank statements. If you tracked your spending, use your list of transactions.

3. See if you can save Having some savings can help create a safety net for unexpected expenses. Set a savings goal and work out how much you can save each payday.

Use our savings goals calculator Work out how long it will take you to reach your savings goal.

4. Set your spending limit The money you have left after expenses and savings is your spending money.

This money is for ‘wants’, such as entertainment, eating out and hobbies.

Make a plan for what you want to do with your spending money. This will help you to keep within your limit. Keep track of your spending so you always know how much you’ve got left.

Set up three bank accounts: a high interest savings account for savings, and two transaction accounts for spending and bills. Schedule transfers of your savings and direct debits for your bills to automate your finances.

Review your budget regularly It’s important to adjust your budget as things change. For example, if you find you can’t cover all your expenses, savings and spending, you may have to reduce your spending limit, or change your savings goal.

For ideas to help reduce spending, see simple ways to save money. You can also look for ways to increase your income.

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Tax Savings Seperate From Income: Report

By Colin Brinsden, AAP Econimics and Business Correspondent

(Australian Associated Press)

New economic figures will highlight the impact of Melbourne’s COVID-19 restrictions on Victorian businesses’ hiring intentions.

Victoria had been one of the strongest states in seeking workers when the virus was first suppressed.

The Department of Employment will release its monthly vacancy report for July on Wednesday, which counts job advertisements on the internet.

Its June report, which didn’t capture the start of the second virus wave in Melbourne, showed job ads across the country soared by 26.3 per cent as restrictions were unwound.

Victoria showed a massive 35.4 per cent increase.

Despite this rebound, job ads overall were still down 31 per cent than a year earlier, reflecting the initial impact of the virus on the economy.

Job ads more broadly, as calculated by ANZ earlier this month, showed the pace of the rebound in hiring had slowed in July.

People who want to become blood donors can visit the Lifeblood website or call 13 14 95 to set up an appointment.

There has been a marked increase in employment in the past couple of months, including a 114,700 jump in July.

This, along with a decline in the rate of coronavirus infections in Melbourne and Sydney, helped to stem a sevenweek drop in consumer confidence.

The weekly ANZ-Roy Morgan consumer confidence index released on Tuesday gained 2.4 per cent.

People who want to become blood donors can visit the Lifeblood website or call 13 14 95 to set up an appointment.

There has been a marked increase in employment in the past couple of months, including a 114,700 jump in July.

This, along with a decline in the rate of coronavirus infections in Melbourne and Sydney, helped to stem a sevenweek drop in consumer confidence.

The weekly ANZ-Roy Morgan consumer confidence index released on Tuesday gained 2.4 per cent.

Confidence, a pointer to future retail spending, was still well below average.

However, companies like home entertainment group JB Hi-Fi and supermarket giant Coles have shown it is not all doom and gloom for the retail sector.

Both posted full-year profits this week, a rarity in the current company reporting season because of COVID-19.

JB Hi-Fi was bolstered by people seeking goods for working and learning from home, while Coles benefited from the stockpiling when the virus first struck Australia’s shores and prior to restrictions being put in place.

In both cases, there were strong increases in online sales. Meanwhile, a new survey of start-up companies found more than half feel they are being ignored by governments, and a quarter believe Australian regulations have impeded their growth.

The survey of 400 start-ups conducted by Pause Fest also found they feel Australian policies compare unfavourably with Asia, the US and Europe.

“As Australia looks toward economic recovery following COVID-19, the technology sector will play a pivotal role in job and wealth creation,” Pause Fest CEO George Hedon said. “Clearly we need to examine the barriers startups face and listen to their concerns if we want to maximise the benefits the industry has to the nation.”

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Ten Thousand Blood Donors Urgently Needed

By Tiffanie Turnbull (Australian Associated Press)

A nationwide shortage of blood and plasma stocks could be only weeks away if more than 10,000 additional donors do not sign up to give blood.

Each week, 31,000 donations are needed to help Australians through trauma, major surgery, cancer treatment, pregnancy and a host of other situations.

But, over the past three months, Red Cross’ Lifeblood service has seen a drastic increase in no-shows and cancellations.

Looking ahead, the number of appointments in the next few weeks has also dropped.

“To meet the needs of Australian patients, we really need 10,383 additional people to donate over the next two weeks,” Lifeblood chief executive Shelly Park said. She is concerned confusion about lockdown measures may be keeping people away.

“Donating blood and plasma is classed as essential care giving and we have worked with all state and territory governments to make sure donors can keep their appointments, even in lockdown.”

Ms Park says donation centres are COVID-safe, with strict social distancing, temperature checks and regular, thorough cleaning.

People who want to become blood donors can visit the Lifeblood website or call 13 14 95 to set up an appointment.

Google Queries New Digital Platforms Code

By Matt Coughlan (Australian Associated Press)

Australian manufacturers are being urged to tell the federal government if they could help reproduce a coronavirus vaccine.

Submissions will be used to determine the national capacity to make and distribute the drug if an effective candidate is found.

Industry Minister Karen Andrews said the government was aware of Australia’s existing ability to produce vaccines.

“This request for information is about identifying more niche manufacturers, including those who may be able to pivot or have the capability but would need support to scale up their operations,” she said on Tuesday.

“Australian scientists are at the heart of the global quest for a vaccine and we want to make sure Australian manufacturers can be central to the production once that vaccine is found.”

Ms Andrews said the information would boost manufacturing capability to respond to other possible pandemics down the track.

Manufactures have until next Thursday to respond to the government. The vaccine race has more than 150 candidates being developed and tested around the world with 25 in human clinical trials.

Acting Chief Medical Officer Paul Kelly is increasingly hopeful a vaccine will be found through the global search.

Prime Minister Scott Morrison has urged any nation that finds the substance to make it available globally.

“Any country that were to find this vaccine and not make it available around the world, without restraint, I think would be judged terribly by history,” he said.

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Plan for Working from Home Award Changes

By Matt Coughlan

(Australian Associated Press)

Employees and bosses will be able to agree on flexible working from home arrangements during the coronavirus pandemic under a proposal from the industrial umpire.

Fair Work Commission president Iain Ross has released a draft plan to change awards, likely to be most relevant to small businesses without enterprise agreements.

The model includes a provision allowing agreement on working from home arrangements that balance personal and work responsibilities against the business needs of the employer.

Employees would be able to compress their week so usual hours are worked over fewer days. Starting and finishing times could be staggered and employees directed to work at home or other locations.

Workers could take double the annual leave at half pay and also buy extra time off if bosses agree. With the agreement of three quarters of a workforce, a cut to hours could be shared if an employer can’t usefully employ everyone.

Justice Ross said working from home had been one of the most significant shifts since the start of the pandemic.

“It is likely the direct economic and social impacts of the pandemic will be felt for some time to come,” he said.

“There will (likely) be a continuing need for flexible work arrangements to assist employers and employees in adapting to the changed conditions and to support the recovery.”

The draft proposal could be potentially be included in modern awards, most of which don’t expressly deal with working from home.

The commission president said that could constrain working from home arrangements if business was forced to pay penalty rates or overtime, despite employees seeking flexibility.

“It is intended that the model schedule be used as a starting point for discussion between parties,” Justice Ross said.

“Not all of the clauses proposed in the schedule will be suitable for all awards and some clauses will require tailoring to meet the needs of a particular industry or occupation.” Australian Industry Group chief executive Innes Willox said the draft was an important initiative which would deliver flexibility. “A very large number of employees are currently working from home, and it is evident that workplaces will never be the same again,” he said on Tuesday.

JobKeeper Extension Passed by Parliament Labor has waved through the extension after failing to introduce a wage floor for workers who are no longer eligible for the scheme.

Prime Minister Scott Morrison described the wage subsidy scheme as the most significant economic intervention in Australia’s history.

Independent senator Rex Patrick also could not secure enough support for an amendment to force businesses that have paid dividends or executive bonuses to repay the wage subsidies.

“We are now extending and transitioning,” Mr Morrison told coalition party room colleagues on Tuesday.

The split system replaces flat $1500 subsidies paid each fortnight.

By Daniel McCulloch and Matt Coughlan (Australian Associated Press)

JobKeeper wage subsidies are being split into a two-tiered system and extended for another six months.

People who worked less than 20 hours a week before the crisis struck will be paid $750 a fortnight from the end of September, while all others will receive $1200. The maximum payment will come down to $1000 from December to March.

“Transitioning and looking to a day when Australian communities don’t need JobKeeper and when Australians can then run their businesses and hold their jobs sustained by a vibrant and growing economy instead.”

The second tranche of JobKeeper payments is expected to cost more than $30 billion.

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In these unsettled times, it’s comforting to know that we can still keep reading!

• The digital library is always open – read, listen, watch or learn 24/7 • Enjoy over 100 storytime sessions on our Youtube channel along with Boredom Busters, Cooking demonstrations and more!

• You can also view videos on our Facebook page • We will continue offering Click for Home Delivery for those in need Our heartfelt thanks for your continued support and kind words. Please stay safe and well.

We look forward to welcoming you back at the library in the future.

More Info

Download an eAudiobook now

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AX UPDATES • SMSF Penalties for Underreported Expenses Legislated

Announcement (28-Jul-2019)

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

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

Introduced (24-July-2019)

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

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

Announcement (11-Mar-2020)

• Testamentary Trust Minor’s Distribution to be Limited

Announcement (18-Jun-2018)

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

Introduced (05-Dec-2019)

• Director Identification Number

Announcement (03-Dec-2019)

The Director Identification Number (DIN) regime has been passed by parliament and become law.

Under the new law, all director of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A registrar is yet to be appointed (or created) to develop the regime. However, under the legislation it must be in effect within two years of Royal Assent, being 22 June 2022. If the registry is created prior to this time, we will receive notifications to the new start date.

Introduced (04-Dec-2019)

Updated: 12-Jun-2020

Consultation (30-Oct-2019) Passed (17-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (1-Jul-2019)

Consultation (03-Dec-2019) Passed (12-Jun-2020) Royal Assent (22-Jun-2020) Date of Effect (22-Jun-2022)

• Large Forestry Holding Deemed Carrying on a Business A decision impact statement in response to the AAT ruling in SWPD and FCT was issued by the ATO. In the case, the taxpayer was held to have carried on a “forestry business” by holding onto a property with forests of native trees in it. This entitled the taxpayer to utilise the CGT small business concessions on sale of the property as it was an active asset. The ATO, through the decision impact statement, found that the Tribunal had correctly applied the legal test outlined in Spriggs v FCT. However, in their view the facts of the case are “extreme”. Along with other considerations, the Commissioner accepted that the taxpayer was indeed carrying on a forestry business.

Announcement (22-Jul-2020) Consultation Period Released

SEPTEMBER 2020 | FIND KNOX

33

REALESTATE SEPTEMBER 2020

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

COMING SOON

HOUSE OF THE MONTH

Email: info@findnetwork.com.au

If you have questions, contact Warren on 1300 88 38 30 or email: warren@findnetwork.com.au SEPTEMBER 2020 | FIND KNOX

35

RENTAL LISTINGS

COMING SOON Phone 5442 1122 84 Mitchell Street, Bendigo www.realestatewebsite.com.au

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

RENT OFFERS LOCATION

RENT OFFERS $0.00 LOCATION

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Want to Advertise your Rental Listings?

Contact: Warren Strybosch Phone: 1300 88 38 30

COMING SOON

COMING SOON

ADDRESS

ADDRESS

$000,000 - $000,000

$000,000 - $000,000

4

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

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

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

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

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

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

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

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

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

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

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

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

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

OPEN FOR INSPECTIONS Time

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SEPTEMBER 2020 | FIND KNOX

37

COMING SOON

BUILDERS DIRECTORY

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

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

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

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

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

Warren Strybosch 1300 88 38 30 info@findnetwork.com.au

COMING SOON

DISPLAY HOME DIRECTORY

Block No. Lot No. Street, VIC 1234 568 75896

COMING SOON

emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC

COMING SOON

1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896

COMING SOON

emailaddress@gmail.com.au www.insertwebsite.com.au

Block No. Lot No. Street, VIC

COMING SOON

1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

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

Warren Strybosch 1300 88 38 30 info@findnetwork.com.au SEPTEMBER 2020 | FIND KNOX

39

DISPLAY HOME DIRECTORY

COMING SOON

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

COMING SOON

www.insertwebsite.com.au

Block No. Lot No. Street, VIC 1234 568 75896

COMING SOON

emailaddress@gmail.com.au www.insertwebsite.com.au

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

COMING SOON

www.insertwebsite.com.au

Block No. Lot No. Street, VIC

COMING SOON

1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

Looking to market your

Warren Strybosch

Building Company in

1300 88 38 30

Contact Warren for all of your advertising needs.

info@findnetwork.com.au

OPEN FOR INSPECTIONS Time

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SEPTEMBER 2020 | FIND KNOX

41

SEPTEMBER 2020

REAL EST Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au

COMING SOON

www.insertwebsite.com.au

Agent Name: 1234 568 75896 emailaddress@gmail.com.au www.insertwebsite.com.au

COMING SOON

TATE AGENT

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

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

SEPTEMBER 2020 REALESTATE

COMMUNITY WINS IN LAND DEAL

A key parcel of land in the heart of Bayswater will be retained for community use following negotiations between the Victorian Government and Council.

Mayor Cr Nicole Seymour said the rare opportunity to purchase land in such a central location was too good to pass up.

“We’ve purchased the land for the benefit of the Bayswater community. Its future use will be determined as part of a planning process, which will involve consulting the community on what they want to see and how they want to use the space,” Cr Seymour said Council has purchased the surplus land from the Victorian Government which compulsorily acquired it to facilitate the removal of Mountain Highway level crossing in 2016.

The land at 750 Mountain Highway Bayswater is adjacent to the new Bayswater train station and the iconic aeroplane boy. It was purchased for $580,000.

More Knox News

Council Stands Up For Victims Of Child Sexual Abuse

Knox reaffirms commitment to addressing homeless and social housing

Payment Assisted Extended

SEPTEMBER 2020 REALESTATE

Supporting Those in Need Foothills Community Care has been serving hot meals to those in need for nearly two decades but the last two months have seen a surge in demand, the likes of which the service has never seen.

“Some of the regulars are at home isolating, but we’re seeing a new group of people – those who have recently lost their jobs and aren’t eligible for Job Keeper, Job Seeker or other government payments.”

Foothills Community Care is one of many local service providers receiving extra funding from Council to support the increased number of people facing hardship as a result of COVID-19.

A dozen drivers go out three times a week to deliver the meals. For some recipients, this might be the only person they see in a week.

CEO Stephen Barrington said the service needs all the help it can get to meet the increased need.

“In a normal year we would expect to provide about 9,000 meals. In the last 16 weeks alone, we’ve provided 10,000 meals. We expect this level of demand to continue for the next 18 months,” he said.

The clientele are changing too – there are many more families and households slipping through the cracks.

“We provide outreach for people who’ve been through some kind of trauma in their life who need a little extra support,” says Stephen.

“Many people feel shame asking for help, or they don’t know where to go,” Stephen says.

“Our philosophy is to serve the community with compassion, kindness and generosity, and not to be led by fear.

There is so much fear in the community at the moment.”

Community service providers like Foothills generally rely on grants, donations and fundraising to drive revenue.

The pandemic has placed many local services under extreme pressure. Council has responded by creating new grants programs to support these organizations to increase services.

Foothills received a Hot Meals for Vunerable Families Grant from Council, which will provide sustained funding over a period of time to support on going services delivery.

In Addition to this, the Supporting Local Services Fund is a new, one-off community grant created under Council’s COVID-19 Community and Business Support Package.

The Fund supports local service providers, based in Knox or providing services and support to Knox residents, to address local community priorities that have arisen as a result of the pandemic.

For more information on Counicl grants for service providers and community organizations, visit knox.vic. gov.au/grants or call the Community Partnerships Team on 9298 8000 SEPTEMBER 2020 | FIND KNOX

45

Are you Not-For-Profit in Knox Area?

Advertise your events for FREE on the following pages.

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

Knox

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

CACHE

1 2 3 4

BEGIN YOUR FIRST ADVENTURE IN FIND KNOX

SEEK

AND YOU WILL

CACHE

WATCH AND READ THE CLUES

Find a cache

share you exprience

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

Once you found the Cache please notify us.

The winner will be published in the next Find Maroondah.

CACHE

ABOUT FIND CACHE Each month we will be hiding a Cache of items around the Knox area.

Your job is to discover where the cache is hidden. The first person to find the container of items gets to keep it.

Each week we will place a clue on the Find Knox Facebook page to help you locate the cache of goodies. Make sure you Follow and Like the facebook page (https://www.facebook.com/findknoxshire)

WHAT’S IN THE FIRST FIND CACHE

Due to COVID-19 restrictions we cannot start the Find Cache for this month’s edition.

SEPTEMBER 2020 | FIND KNOX

49

Knox

Opening Hours

Eat What’s On This Month

Store Directory

Centre Map

Gift Cards

Shop Events

Offers

Play News

EXPLORE

NEWS

From smokey brisket tacos to an apple, caramelised onion and goat’s cheese galette, satisfy your tastebuds with our latest recipes.

We check in with our local Community Chess Club.

Can’t decide what to cook?

Knox Coomunity Chess Club

RETIREMENT

ACCOMMODATION

LIFESTYLE

RETIREMENT ADVICE

info@findretirement.com.au

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

SEPTEMBER 2020 | FIND KNOX

51

PAGE

PROFESSIONAL SERVICES

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$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.

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SELL MORE - MORE OFTEN CONTACT US Consult@abcselling.com.au

Book an initial Chat

03 7017 2655 www.abcselling.com.au Bayswater, VIC 3153, Melbourne, Australia

Bliss Bouquets Melbourne We make the most decadent edible bouquets, dont just take our word for it order today.

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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 editor@findknox.com.au We are available for Emergency Repairs 24/7 in Melbourne and Surrounding Areas A Garage Door Specialist you can Trust

Trustworthy 24/7 Garage Door Installation

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

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

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

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

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

0427 894 603

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

CONTACT US sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au

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

ADVERTISE HERE

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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 editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • Specialist Tree Services • Interior Design • Mowing • Building Inspection • Nursey • Flooring

ADVERTISE HERE

ADVERTISE HERE

SEPTEMBER 2020 | FIND KNOX

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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 editor@findknox.com.au

INDEX PROFESSIONAL SERVICES • • • • • •

Lactation Consultant Hair Dresser Chiropractor Beauty Therapy Gym Massage Therapy

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)

• Growing Pain • Migraines and Headaches • Poor Posture • Sport Injuries

03 9876 3011

• Special Needs

info@childreansosteopathiccentre.com

• Retained Primitive Reflexes

www.childrensosteopathiccentre.com

• Pregnant and Prostnatal Women

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ADVERTISE HERE

ADVERTISE HERE

ADVERTISE HERE

ADVERTISE HERE

SEPTEMBER 2020 | FIND KNOX

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SPORTS

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

findknox.com.au

SPORTS

TITLE HERE

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

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

TITLE HERE

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

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

SEPTEMBER 2020 | FIND KNOX

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

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Food brings people together on many different levels.

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

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

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

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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).

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

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

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