Find Knox 2021 - December Edition

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December 2021

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WHAT’S INSIDE:

03

LOCAL STORIES

06

COLUMNIST ARTICLES

26

TAX UPDATES

28

REAL ESTATE - RENTAL LISTINGS

30

KNOX COUNCIL NEWS

32

NOT-FOR-PROFITS EVENTS & ARTICLES

48

FIND FAITH

50

FIND BIRTH, DEATHS, & MARRIAGES

53

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER KNOX

Erp Paul

Mfiffft- fit

Creative Text Solutions susan@creativetext.com.au www.kirarchitecture.com 0437 127 159

Xpresso Delight waikato3@bigpond.com www.xdcoffee.com.au

0418 393 085

info@findaccountant.com.au | www.findaccountant.com.au

PL ATINUM SPONSOR

DECEMBER SPONSOR

DECEMBER SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

WARREN STRYBOSCH

LESLEY-ANNE BANTON

BOOKKEEPER

ARCHITECT

HERITAGE & HISTORY

LACTATION CONSULTANT

REECE DROSCHER

JOANNA STRYBOSCH NATURE & CONSERVATION

OCCUPATIONAL HEALTH & SAFETY

IVANA SMITH HEATHERDALE COMMUNITY ACTION GROUP

RUSS HAINES

SUSAN PIEROTTI

MORTGAGE BROKER

COMMERCIAL COFFEE MACHINE HIRE

GLENN MARTIN

EDITOR | WRITER

CRAIG ANDERSON

KATHY ISMAIL

NEHA NAYYAR SIGNAGES

GENERAL INSURANCE

MARK FELTON

LIZ SANZARO

SOLICITOR

SOLICITOR

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?

Are you our next Solicitor?

ELWYNNE KIFT

Are you our next Solicitor?

Knox The

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

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

ALL THINGS KNOX

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

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

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

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NEXT ISSUE Next Issue of the Find Knox will be published on Tuesday February 8, 2021. Advertising and Editorial copy closes Friday February 4, 2021.

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Our Local Community: Wishing Everyone A Good End To The Year

By Warren Strybosch

We would like to wish you all a happy end to the year, and we hope that everyone can find some time to recharge over the holiday break.

It has been a very difficult year for many people in Victoria and some people and families are still have some challenging times ahead.

We want to thank you all for supporting our community paper.

We look forward to continuing to grow this paper next year and finding new or better ways to serve our local community through this initiative.

We want to especially thank the small business owners, those who have contributed articles, the in-kind sponsors, and those

who have given up their time and provided resources to this community paper. Your support has not gone unnoticed.

We would ask the local community to support those businesses listed on page 2, who have provided financial support towards this endeavour and look forward to other businesses joining us in 2022 as well as some corporate sponsors.

From all the team at the Find Foundation, Thank you.

You may be liable for tax when transferring funds into Australian from overseas.

By Warren Strybosch

Some Australians transfer funds from overseas into Australia from various sources and do consider it to be income for tax purposes. However, a recent court case has concluded that income brought into Australia, if it cannot be proved it was not from income generating sources, may be considered assessable income and tax accordingly.

Recently, the Administrative Appeals Tribunal (AAT) found that an Australian citizen who conducted much of his business in Malaysia was a resident of Australia for tax purposes in the 2016 income year.

The AAT concluded that he was subject to tax in Australia on amounts he transferred to his Australian account from Malaysia.

The reason being is that he was unable to prove the income

transferred to Australia was not assessable income. As such, the AAT deemed the money to be assessable and ordered tax to be paid on the amount transferred across.

In finding that he was a resident for tax purposes, the AAT affirmed that there was sufficient “continuity of association with Australia” as indicated by such things as maintaining a home in Australia, the number of times he visited Australia in the 2016 year (11 times for a total of 83 days) and his business interests in Australia. (Sanderson and FCT [2021] AATA 4305, 16 November 2021.)

This is a warning to all Australian Citizens bringing money into the country. If you are found out to be doing so and cannot prove the money was obtained from non-assessable sources, it is very likely you will be liable to pay tax on that money.

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Moses Dickson and his Family HERITAGE & HISTORY

By Russ Haines OAM

The Dickson family were one of the earliest settlers to the North Ringwood and still have many relatives in the area.

There was, humorously, a rumour going around that the area should have been named ‘Dicksonville’.

Moses Dickson, Senior, was born in 1841 in Northern Ireland. His family lived for several generations at Ballygargan in County Armagh, the ‘Orchard Country’.

His father and his grandfather were married in the Seagoe Parish church, in a nearby village. Moses came to Melbourne from Liverpool on the ship Elizabeth Ann Bright, which arrived at the beginning of November 1861. He was recorded on the passenger list as an Irish labourer, single and 19 years of age. He was accompanied by his 20-year old brother, Thomas. In 1865, Moses Dickson married Elizabeth, a daughter of Stewart Sergeant, often described as a farmer of 'Seagoe' on the Blackburn Creek or a market gardener of Box Hill. Prior to his farming life, he was a cab-driver residing in a lane off Little Bourke Street. He later moved to Box Bill working as a carter.

Moses applied for a Crown selection licence in May 1870 over the area bounded today by Oban, Wonga and Warrandyte roads in Ringwood, allotment 31B which was around 121 acres in size. Moses Dickson could only sign by a mark. To apply for a lease in 1873, Dickson had erected 132 chains of post and rail fence, living in a dwelling of four rooms made of slabs and sawn timber measuring 31 by 13 feet in all.

Unfortunately, only one acre of land had been cleared of tree stumps, which was insufficient to qualify for a grant or lease, and Dickson had to apply for another licence in January 1874. In order to make improvements to the property in 1878, he borrowed £120 from the Colonial Bank on mortgage loan at 12 per cent interest.

The grant was finally issued in 1880. Moses Dickson unfortunately died at Ringwood on 1st October 1904.

Three of his sons, Stewart, Moses Jnr. and Alfred, settled on the land in North Ringwood, and planted further orchards.

All three had sons, who were to follow in their footsteps, and there were many Dickson families on orchard properties in North Ringwood.

Stewart Dickson, Moses' eldest boy, was born in January 1876. He married Edna Rose Davis of Elsternwick, the oldest of the three daughters of Frederic and Emma Davis in May 1898 and settled in Williams Road for which he paid £5 10/per acre. They produced five sons and four daughters, and by the time of their 60th Anniversary had 23 grandchildren and 18 great grandchildren. He died in 1963, aged 86 years.

After clearing his land and planting out his orchard, Stewart carted wood to Melbourne with a horse and dray, and worked at Tom Petty's property in Park Orchards until his trees were fruit-bearing.

Between rearing nine children, Mrs. Dickson milked cows, had calves and pigs, made butter and sold it together with other farm produce. She sold her livestock at Ringwood sale-yards at the Ringwood Street market.

Moses Dickson Jnr. was born on the property on the north side of Warrandyte

Rd on 23rd December, 1878, not far from the Junction Store at the Loughnan Road corner. He married the daughter of another pioneering family, the Knees of Croydon, and they built a home and reared a family of 4 sons and 3 daughters.

John Dickson has a mixed farm and an orchard at Kyabram; Les has an orchard at North Ringwood; Bill Dickson had a estate agency and Ron was a very popular owner of a fruit and vegetable shop in Ringwood.

Of the Dickson daughters, Mrs. Goulding married an orchardist of North Ringwood; Mrs. Wooley married a Red Hill orchardist; Mrs. Ken Milne was the wife of the proprietor of the North Ringwood Post Office and grocery shop.

As the oldest Ringwood-born pioneer, Moses Dickson unfurled the flag at the Australia Day Carnival in 1953 with the help of four-year old Denise Gabe in her Switzerland costume (see photo).

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Cryptocurrency Has Gone Mainstream

By Warren Strybosch

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Cryptocurrency has become very popular in Australia. According to the 2021 Independent Reserve Cryptocurrency Index, more than 28.8 per cent of people in Australia own or have owned cryptocurrency at one point or another.

More women compared to men, in the 24 to 34-year-old age group bracket, are having a punt on cryptocurrency today, according to a survey by the leading exchange and the proportion of women investing in crypto doubled from 10.3 per cent to 20 per cent.

Whilst Crypto might be very volatile, 89 per cent, made money or broke even this year. However, it is likely most are down now given the 20-30% drop in Crypto currencies that occurred in early December.

According to Mr Przelozny crypto has gone from fringes to the mainstream even though Aussie regulators and government agencies have taken time to accept cryptocurrencies and other digital businesses or assets.

The Independent Reserve chief executive Adrian Przelozny said that the sector should have regulation on this to provide security for the investors and cryptocurrency businesses. Since the survey of 2000 respondents found that some 26.6 per cent would buy crypto if the security regulation was improved.

At this point in time, Bitcoin and Ethereum, remained the most popular cryptocurrencies that people invest in.

Short Story Competition

Enter Now

Tales from the pandemic...a time like no other ‘It was the best of times, it was the worst of times’ – Charles Dickens, A Tale of Two Cities, 1859.

As 2021 draws to a close, Your Library wants to capture the stories of this place at this time. The past two years have seen most of our assumptions, habits and expectations thrown out the window. We would like to record the tempo of the time while it is still fresh and preserve it for the future.

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What to give yourself (and the family) for Christmas ACCREDITED EDITOR

By Susan Pierotti

Christmas is fast approaching. Time to decide whose house you’re meeting at, who’s cooking the family dinner, who’s making the pudding or pavlova. And of course, it’s the season of giving presents.

Choosing a present for your elderly loved ones can be difficult. If you are that person, do you really want another bar of soap, a pair of socks or a box of chocolates? You would probably love to spend time with your family on the day, but apart from giving you a glass of champagne or beer and a plate of food, in the midst of the noisy cheer, does anyone sit with you and hear what you would like to tell?

Who’s the best person to record your story?

Sitting down with a family member to purposefully take notes on your life story can be awkward. You might think that your own story is uninteresting, but that’s not true. It could be confronting for you, revealing situations where you didn’t make a good decision or perhaps which might embarrass you to recount. For instance, your children would probably love to know all about your wedding – how you felt, what you ate at the reception, were you nervous thinking about your first night together and so on – but the dynamics between you and your younger family members may prevent you being as open as they would like.

Details like what you used to eat for Christmas, what toys you played with, what you wanted to be when you grew up, can be overlooked by family members interviewing an older relative as they seem so ordinary. Yet your impressions are valuable and intriguing to younger generations.

This is where a life story professional can be more useful than the family members.

People will often talk to a stranger and find themselves saying, ‘Oh, I’ve never told anyone that before!’ A life story professional will earn the trust of you and your family before interviewing you, and they only record what you want recorded.

Life story is not family history When asked, ‘Have you written your life intriguing response: ‘Oh, my wife (or

husband) has already done our family history.’

Don’t get me wrong – genealogy is great fun. You discover things about your family that places them in a historical context and you find out about places and events that connect you with a fascinating past.

However, that is not the same as writing your story – your story. For instance, do your children knew where you went to school and what you wore there. Do they know what your favourite sports were growing up, where you went on holidays, what your favourite food was? More to the point, is any of this in the family history?

It can be a light-bulb moment for many.

‘Oh, I see...my story...Well, no one has written that down.’ That is what a life story professional offers – a personalised story of your history in your own words.

It becomes a precious living historical document as well as a legacy for your family.

The process of writing your life story is not like the hunt for records and documents for a family history project. Over a series of two-hour chats (and perhaps a coffee or two!), the life story professional can record the stories that flow naturally

transcribe them. If you wish, you can even include photos of objects in the story to provide a visual complement to your favourite memories.

If you would like to see the smile of delight on the faces of your family members when they read your story, don’t put off telling your life story now. And it will make a great Christmas present for you and your family!

Susan Pierotti at Creative Text Solutions, www.creativetext.com.au, is a member of Life Stories Australia, an organisation dedicated to helping people record their life stories in a variety of formats.

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

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Tis The Season To Make Brands Pay Up

By Melissa Meehan

(Australian Associated Press)

“This Christmas, we want shoppers to demand better from the brands they love so that our celebrations don’t come at the expense of the women who make our clothes and their families,” she said.

Just Jeans, Lorna Jane and Peter Alexander have been put on Oxfam’s naughty list ahead of the silly season.

The human rights organisation has called out those brands, as well as Myer, to be open about how and where they manufacture their clothes to help lift the women who make them out of poverty.

Oxfam Australia chief executive Lyn Morgain said some brands had failed to make commitments to ensure the payment of a living wage during the pandemic – a time when the industry has grown yet many garment workers have lost their jobs.

A living wage means enough money is earned to cover basic essentials for a family including food, housing, health care, clothing, transport, education and some money for unexpected events.

“Sunlight is the best disinfectant, which is why transparency around issues of power, whether business or politics, is so important,” Ms Morgain said.

“Three major clothing companies in Australia – Lorna Jane, Myer and The Just Group – have failed to take the basic step of publishing key information about where they manufacture their clothes.

“It’s particularly disappointing to see brands that promote the wellbeing of women, such as Lorna Jane, failing to be transparent about the factories in which their clothes are made. This supports a culture of secrecy that is harmful to the wellbeing of all women, including those who make our clothes, and entrenches the massive power disparity between brands and garment workers.”

While those three companies have found themselves on the “naughty” list, others have taken positive steps towards backing up their commitment to a living wage.

Those on the “nice” list include Best & Less, Big W, Bonds, City Chic, Cotton On, Country Road, Dangerfield, David Jones, Forever New, Gorman, H&M, Kmart, Mosaic brands (including Rivers and Katies), and Targ Oxfam’s recent report, Shopping for a Bargain, reveals that poor business practices, including aggressive price negotiation, inaccurate forecasting of orders, short lead times and last-minute changes to order, are having a profound impact on the lives of workers.

Meanwhile, other brands such as Jeans West and Zara have made some progress, but still have work to do to catch up to the nice brands on their living wage journey.

Support Local, Buy Local, Discover Find Knox Do you have photos from a local event or a great story youy would like to share?

SEND US YOUR NEWS! editor@findknox.com.au

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Providing Your New Employees With A Safe And Healthy Start To Their Employment With You. OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

As we come out of another lockdown, with the promise of an ongoing period of normality, a number of businesses are ramping up with a degree of confidence, and are working hard to hire new staff.

How do employers continue to maintain a culture of continual improvement for the health and safety of their team, whilst adding new members?

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

But how do you ensure that you do this from the very first moment a new

employee joins your organisation? You do this by creating, and continually adapting and improving, an Induction Program.

An effective Induction Program will greatly reduce something being missed that may result in an incidentimpacting on the health of the new team member and/or those around them. An effective Induction Program is consistently applied in a consistent time frame, and clearly outlines the employer’s expectations of their employees. It covers the risks that are associated with the roles carried out, along with the steps that must be taken to properly manage these risks. It is then imperative that an acknowledgement from the new employee, confirming their participation and understanding of the training received, is effectively recorded.

Some businesses have informal systems that are delivered by key personnel.

What happens if this key person is away or things just get busy and important elements are overlooked. How does an employer defend themselves when an employee has hurt themselves because of a poor understanding of the risks involved and the expectations of their new employer?

I can assist employers by reviewing their current systems with them, and how they relate to the tasks carried out, highlighting any shortcomings.

I can then assist in the development of an effective Induction Program.

Checks are put in place to monitor the effectiveness of any improvements, to ensure that going forward they are sound and comply with the Act, and most importantly keep them and their employees informed, and healthy and safe, whilst boosting profitability.

Please feel free to contact Mark Felton at Beaumont Advisory on 0411 951 372 or mfelton@beaumontlawyers.com.au for an obligation and cost free initial discussion.

Mark Felton Occupational Health & Safety Beaumonth Advisory www.thebeaumontgroup.com.au

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Coffee creations for Christmas COMMERCIAL COFFEE MACHINE

By Ivana Smith

When we think of Christmas food, we drool over thoughts of turkeys and hams, or seafood and salad. By the time it comes to dessert, we dream of puddings or pavlovas.

Why not plan for the end of the meal a light but refreshing coffee dessert? Here are four to whet your appetite.

Italian crema di caffé To strong hot coffee, add a little sugar and refrigerate until very cold. Whip cream until soft peaks form, slowly drizzle the cold coffee in and beat until thick.

Cover the bowl and refrigerate for 1 hour, then gently mix together.

Sprinkle with cocoa or chocolate flakes, layers of crushed amaretti cookies, cinnamon or top with a couple of chocolate-covered espresso beans.

Espresso martini slice Grease lightly a 16x26 cm slice tray and line with baking paper that overhangs the two long sides. Break 250 g of plain chocolate biscuits into a food processor with 2 teaspoons of coffee granules and process until finely crushed. Add 90 g butter and process until combined. Press evenly over the base of the prepared pan. Place in the fridge.

Of 400 g dark chocolate, reserve 1 square and roughly chop the remainder.

Melt the chopped chocolate, 200 ml cream, 2 tbsp coffee-flavoured liqueur (such as Tia Maria or Kahlua) and 1 tbsp of coffee granules in a heatproof bowl over a saucepan of simmering water, without the bowl touching the water. Stir until melted and smooth, pour over the biscuit base and place in the fridge for 2 hours.

Melt 180 g white chocolate, 1½ tsp oil and reserved dark chocolate square in a heatproof bowl over a saucepan of simmering water. Again, don’t let thebowl touch the water. Stir until smooth, remove from heat and set aside to cool slightly.

Pour the filling into the base, quickly spreading to the edge. Decorate with chocolate-coated coffee beans. Place in the fridge for 2 hours. Use a hot dry knife to cut into small squares to serve.

Choc-Kahlua cappuccino custard pie Process 1 cup flour, ¼ cup cocoa, 1/3 cup icing sugar and a pinch of salt in a food processor until well combined.

Add 125 g butter and process until the mixture resembles coarse crumbs. Lightly whisk 1 egg in a small bowl. Into the food processor with the motor running, add the egg and 1 tsp vanilla and process until the dough just comes together.

Gather the dough together into a disc, cover with plastic wrap and place in the fridge for 2 hours.

Preheat oven to 200C (fan-forced 180C).

Roll out the dough from the fridge between 2 sheets of baking paper until 4 mm thick. Use to line the base and sides of a pre-greased 23 cm cake tin with removable base. Trim any excess dough.

Place tin on a baking tray in the freezer for 15 minutes to chill.

Line the dough with baking paper, fill with pastry weights or rice and bake for 15 minutes. Remove the paper and pastry weights or rice. Bake for a further 10 minutes or until golden. Set aside to cool slightly on the baking tray.

Meanwhile, place in a saucepan 250 ml milk, 1/2 cup caster sugar, 250 ml cream and ½ cup caster sugar over medium heat and bring to a simmer. Remove

from heat. Add 100 g milk chocolate, 1 tbsp cornflour and ¼ cup Kahlua. Stir until chocolate has melted. In a separate bowl, whisk together 3 eggs and 1 tsp vanilla. Slowly pour in milk mixture, whisking constantly until thickened. Pour custard mixture into cooled tart tin. Bake for 20–25 minutes or until custard is just set. Set aside to cool completely. Place in fridge to chill.

Use electric beaters to beat 1 cup cream and ¼ cup Kahlua in a large bowl until firm peaks form. Transfer to a piping bag fitted with a 1 cm plain nozzle. Pipe peaks of cream on top of the pie. Lightly dust with cocoa powder.

For a unforgettable Christmas meal, try one – or all – of these scrumptious coffee desserts!

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

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

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Six Mythbusters On Hiring A Good Architect ARCHITECT

By Kathy Ismail

If you are building a new home, extending or renovating a current one or subdividing a block, you will manage much better if you employ an architect.

If you think an architect is an unnecessary expense, these 6 points may convince you otherwise.

1 ‘I know what I want’ Sure you do, but is it possible to build it where you want it? Do you have the expertise and maths skills to design a building which will last? Can you advise the builder, fill out all the forms for the local council’s requirements, adhere to government regulations...?

Architects have tertiary education qualifications, are licenced and keep up to date with current and emerging trends in areas such as design, construction and green energy. This means you can draw on their knowledge for ideas and complex design solutions to problems.

2 ‘I saw it on the internet and I want one the same’ The images you saw on the internet were most likely advertising a building company. They obviously will have presented their very best image, but how flexible will their design be for?

Working within a given set of parameters, architects apply creative innovation to produce a viable and practical house that fits your family lifestyle or business premises that optimally uses the location space. They will expand your vision as to what is possible whereas a builder will give you just what you ask for.

Importantly, a good architect knows how to work in specified conditions within a budget limit while following numerous policies, regulations and building codes.

3 ‘I’ll make sure it’s built the way I want it so I’ll manage the project myself’ Seriously, do you really want to negotiate and coordinate with the builder, the building materials supplier, the local council, the interior designer and the landscape designer yourself? Do you even have the time?

An architect can manage the project, including paperwork, site visits and reviews, from the first council permit to

handing over the keys when finished.

(Hint: councils respond better and more quickly to an architect’s request that to private individuals.)

4 ‘I’m sure I told them that!’

Every industry has its own lingo, and construction is no different. Business and home owners don’t always use the terms to use that a builder does, resulting at times in misunderstandings and incomplete instructions.

An architect acts as a ‘translator’.

Architects and builders speak the same ‘language’ so nothing gets overlooked or lost.

5 ‘I’m too busy to contact everyone’ Building a house, office or business premises means talking to lots, and lots, and lots of people! It also takes several months (years?) to finish such a project.

Do you have the time and energy, and more crucially, the patience and people skills to deal with all the different people you need to deal with?

Architects are master team members.

They coordinate with their internal team (the people who work in their business), the construction team, planning officials, surveyors and, of course, you. A good architect advocates for your goals and needs and makes sure all parties involved are satisfied.

6 ‘Something’s gone wrong! How do I fix it?’

Completing a large-scale project such as building a home or office will always

develop a few problems here and there.

And it’s almost a given that a problem tends to occur when you least expect it to. It could be something as minor as odd-coloured tiles arrived. The current blocked supply chains are hampering the delivery of timber, delaying building the structural walls. The council doesn’t give you permission to do something inherent in the design. Do you have the knowledge of how to solve it?

A professional architect is trained and prepared to handle whatever may come. If a problem is one of design, you will find that an architect is adaptable with design and flexible enough to change the plans. This contributes to resolving issues efficiently and quickly, which avoids escalating costs – always a bonus! If it's a lack of supply of your chosen materials or a legislative matter, a good architect has the experience to offer an alternative solution.

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

Kathy Ismail ARCHITECTURE KiR ARCHITECTURE 0422 026 962 www.kirarchitecture.com

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December 2021 | FIND KNOX

Down The Drain Literally………

Please Share That You Care NATURE & CONSERVATION

By Liz Sanzaro

During COVID lock down, many people turned to nature to re-energise themselves and some results are startling.

We have local Platypus in a creek in Montrose and in Mullum Mullum creek.

Image from wildlife.org.au

swimming in the bay. Too much e-coli means too much dog or other animal droppings, which if you get a mouthful while swimming will render you quite sick.

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Melbourne water together with other authorities are spending considerable money “daylighting” some of our waterways, like Dandenong creek and Tarralla Creek, along with this work must go education of how precious these water ways are and how they must be protected from all forms of pollution.

Environmental consciousness will continue to improve as we assist other species to live and breed on a safe green/blue planet.

All life depends on a clean

environment

Image from wildlife.org.au

Recent sightings of Echidnas, crossing the street at night, (during lockdown) to find the next best ant nest, including termites in rotten wood, which is a good reason, not to keep your garden too tidy. Their sharp digging claws are great for foraging, and if approached they will form a protective spikey ball.

A puggle – or baby platypus Image from Platypus conservancy asn.au

Maroondah community is very well provided with waterways, given our location, which being at the base of the Dandenong ranges watershed is not that surprising Maroondah has seven creeks These are Dandenong Creek, Mullum Mullum Creek, Tarralla Creek, Bungalook Creek, Brushy Creek, Jumping Creek and Andersons Creek each of which is an important habitat corridor for some of these lesser known species.

This evidence of life in our creeks is a great environmental indicator of the health of our water systems, and the result of education and replanting by local friends- groups, in order to preserve our native species.

An easy message to understand when someone says “throw it away”…….THERE IS NO AWAY, our discarded stuff is in our oceans, creeks, landfill and even in space.

Previously some Councils would stencil a dolphin on the street drains, to indicate that water from the street curb, drains out to Port Phillip bay. This means any pollutant like paint rollers being washed out in gutters or old gully traps, detergent from washing cars in the street, or any other chemical based products as well as dog droppings - not picked up from the curb or nature strip, are seriously damaging to wildlife living in creeks.

In Melbourne, in summer, the EPA provides a water quality reading for

image courtesy of Parks Australia

Short-finned Eel (see FFDC’s video here) Common Galaxias (a small little fish) Buffbanded Rail, (bird) see above and least spectacular is our very own (Australian Water Rat) Rakali. To be fair, it is a bit like an Otter and always has a white tip to the long tail.

Image Australian Platypus conservancy, for Rakali photo Wishing everyone a good holiday season. We hope you get some time to enjoy our native environment wherever you are.

Image Murray River wildlife

December 2021 | FIND KNOX

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FIND KNOX | December

ACCOUNTANT

By Warren Strybosch

As a business you might be able to claim some, if not all, of the costs but it really depends on when and where you hold your Christmas party, who’s invited, and how much it costs per guest.

Work Christmas parties are considered entertainment (although many are less than entertaining) and therefore can be subject to Fringe Benefits Tax (FBT).

In Australia, in the financial year 202021, the FBT rate is 47%, which is a great reason to try and avoid it.

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The Staff Christmas parties – what can be claimed?

What is the location of the Christmas Party?

If you hold the Christmas party at your office or work premises, and supply food and drink to your employees, then this is normally exempt from fringe benefits tax.

If you hold the Christmas function at a restaurant or any type of function venue, then you must keep the cost below $300 per staff person. Given the event is held ‘infrequently’ and below the minor benefit exemption of $300, this should avoid FBT implications, and the cost can be deductible to the business.

Who you invite may be an issue.

Inviting current employees, their partners or family, and clients to a Christmas party held either at the business or off-site: •

•

•

Employees only and costs per head less than $300 each - no FBT as minor benefits exemption applies. More than $300 each: at business - no FBT, at a restaurant - FBT applies.

Partners or family and cost per head less than $300 each - no FBT as minor benefits exemption applies. More than $300 each - FBT applies.

Clients - at business or at a restaurant - no FBT & no tax deduction.

Our advice, is to give the gift on a different day if both the meal and gift will be over $300.

Not all gifts are equal.

It is important to make sure that the gifts qualify. Some gifts that cannot be given to employees are movie tickets, sporting event passes, tickets to music events, and trips overseas are considered a no-no with the ATO. However, you can give gift vouchers to your employees, alcohol, hampers, flowers, etc, are acceptable, deductible and avoid FBT. We suggest, when it comes to alcohol, so as to avoid any issues with the ATO, as they seem not to like alcohol being given, is to provide the employee with a gift voucher instead.

Seek professional tax advice If you are not sure what is deductible or not, just give your friendly accountant a call to discuss your Christmas party plans. Better a quick phone call then a

few thousand dollars of expenses you cannot claim.

From the team at Find Accountant, we hope you have an enjoyable Christmas party, holiday break with friends and family, get to recharge – as this year has been one of a kind, and feel refreshed for the next year. We hope next year you will be kicking goals in your business.

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

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

What about a gift to your employees?

You need to be careful with this one. A gift to an employee is deductible and avoids FTB implications if it is under $300 and given infrequently e.g. at Christmas time.

WARREN STRYBOSCH

The only care you need to take here is when you give the gift to an employee or their family member at the Christmas party. If the meal and gift is more than $300 in total, then you might have an issue with FBT.

best financial lives. A multi-award winner, Warren’s innovative approach in business means he

Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

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

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December 2021 | FIND KNOX

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Victorian Ombudsman Criticized COVID Border Exemption Scheme

By Warren Strybosch

Victorian Ombudsman, Deborah Glass, has found the Department of Health’s COVID border restriction exemption scheme to be ‘unjust’ and ‘inhumane’.

Chief Health Officer, Brett Sutton, declared New South Wales as an “extreme risk zone”. Thus, Victoria closed its border with NSW on July 9.

In September, Ms Glass made an investigation into the handling of the Department of Health’s border restrictions. She discovered that a lot of complaints were submitted, including many denials of exemptions despite people being fully vaccinated and/or returning negative COVID test results.

Even Castlemaine resident, Marianne Allan, who has multiple letters from her doctors stating that she needed medical treatment for her advanced pancreatic cancer at home, still received many denials related to her permission for an exemption to return to Victoria.

Ms Glass found that many of the complaints relating exemptions not being provided for what she considered legitimate reasons. For instance, people were denied entry to attend funerals, attend vital medical appointments, to take care of an ill family member, to care for their animals, and to obtain employment. This led some people to become broke and homeless because they were unable to return to their home of origin.

Ms Glass fully understood the need to close the border which was based on the DOH’s advice, but she believes the regulations relating to the border scheme need to be reviewed in light of what transpired.

"I recognise that the Department of Health's intentions were to protect people in Victoria from a dangerous virus that had already seeded through cross-border incursion and that the department was under enormous

pressure dealing with the exigencies of the public health emergency.” She said.

She also added, "While we did not review all decisions and I do not suggest that all were unfair, the overwhelming majority of applications did not get to a decisionmaker at all, and the guidance did not change even as case numbers in Victoria grew and the risks evolved."

The result was some of the most questionable decisions I have seen in my over seven years as Ombudsman," Ms Glass said.

"There is no doubt the government provided explicit warnings to Victorian residents interstate.

"But people still reasonably relied on a traffic light system which previously would have seen them come home under strict conditions." 'People felt caught up in a bureaucratic nightmare'.

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Festive Season Hours 2021-22

After two devastating years of cancellations and postponements, Melbourne’s

Stock up on summer reads and ease your way into the festive season!

independent live music industry is slowly recovering. As we work to rebuild, our

Our library hours will be modified in the lead up to Christmas and the new year,

Local Artist Appeal will continue to underpin our pledge to restore confidence to

but our after hours chutes will remain open 24/7 for your returns. Don't forget, you

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FIND KNOX | December

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How a CFO can Transform your Business BOOKKEEPER

By Neha Nayyar

No matter how small your business may be, having a CFO can transform your business. Over many years in the industry, the three biggest challenges I see small to medium businesses face are cash flow, time management and growth. By engaging a professional who is solely focussed on the finances of the business, you can focus on the other core areas of the business whilst the finances are taken care of.

What is a Virtual CFO? A Virtual CFO is a Chief Financial Officer who provides the services of a CFO but instead of delivering those services as a salaried employee, a virtual CFO works remotely and would usually be providing this service to several businesses concurrently.

•

• •

•

You instantly gain their experience and insights into small to medium businesses to be able to provide solid advice to your business.

You can be assured that your finances are being handled by a skilled professional You don’t have the full cost of hiring an employee. Traditionally, CFO’s are executives who outrank managers and directors, and have a salary to match their executive title.

You have someone proactively managing the finances at all times.

What are the Benefits of using a Virtual CFO: •

VCFO services are customised to your needs and budget, it is not a ‘one size fits all’ scenario.

•

Confirm with them your expectations, their expectations and put these in writing.

Obtain upfront all fees and charges so you have full transparency.

Having the confidence to make more informed financial decisions about your business is imperative for your businesses ongoing success. You can have the benefit of a high-level finance resource without breaking the bank. So many businesses happily outsource web design or marketing, so why not get a finance expert to assist you in transforming your business and setting you up for ongoing success.

At Sum and Substance, we offer virtual CFO services, to find out how we can help you transform your business, we can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Why would I use a Virtual CFO? Currently, there are more facts, figures and data available than ever before.

A Virtual CFO will thoroughly analyse this regularly and provide you high level, strategic guidance. A VCFO provides insights on your businesses performance and operational advice based solely on your real time financials and business intelligence. They can provide strategic leadership behind the scenes, empowering business owners to make sound and informed decisions. A VCFO can help you set targets, allocate capital, manage productivity, assist with pricing, assist with debt and identify opportunities.

•

What Should I Consider when Hiring a Virtual CFO? •

•

Be sure to find out what their availability is, how much of their time are you paying for per month/ year etc.

Check their credentials and testimonials. Start with verified online reviews such as Google.

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

www.findknox.com.au

December 2021 | FIND KNOX

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Kick Start your Business with an Advantage SIGNAGES

By Glenn Martin

Right now, as we are all resetting to a new normal, it is imperative to stand out from the rest, and let the community know you are open and ready for business.

At Signarama, we understand the value of creating quality signage to promote your brand and drive sales. We have worked with many well-known national and international brands across a wide range of industries. From A-Frames and Flags, through to large format print, banners, vehicle graphics, illuminated building signage and much more, our team of experts will help you create eyecatching and effective signage solutions to suit your brand and budget.

A-FRAMES A-Frames are a popular form of freestanding signage due to their durability, mobility, customising options, and versatility as a sales tool, for indoors and outdoors. Interchangeable corflute or composite panels are a great solution when you need to change your signs often. You might want to add a chalkboard, or whiteboard section, so you can write your own messages.

Standard sizes are 450mm x 600mm, 600mm x 900mm, and 900mm x 1200mm.

FLAGS A popular and effective signage option for both indoors and outdoors, flags are printed through dye sublimation on fabric material for maximum durability.

They are lightweight, easy to assemble, portable, weather resistant and can be single or double-sided. Our most popular flags are Feather and Teardrop. Feathers are great for their movement in the wind, while Teardrops stay taut and offer a focal point. Customised flag shapes, poles, grass spikes and other bases are all available depending on your application.

FLOOR DECALS Transforming your floors into an advertising space, floor graphics are

Feather Flags

Teardrop Flags

Blade Flags

gaining popularity in shopping centres, trade shows, airports and high traffic areas for brand awareness, wayfinding, safety signs and promotions. Our graphics are printed in full digital colour onto a self-adhesive vinyl with anti-slip and scuff resistant laminate on top. The vinyl we use will depend on how long you need the graphic for. UV and graffiti protection can also be applied. We can die-cut to any custom size or shape. The floor should be a smooth sealed surface, like painted concrete, tiles or laminated floors.

Hanging / Block Flags

Penant Flags

Wall Flags / End Signs

around your space. All our vinyl barriers are sail tracked to frames with a choice of single or double interlocking feet. The frames are steel powder coated 50mm square or round tubing, and come in a range of colours.

CORFLUTE SIGNS Corflute can be thought of as plastic corrugated cardboard. Suitable for both indoor and outdoor use, corflute signage is a cost-effective solution for advertising or informational signage.

Popular with real estate agents, sporting clubs, construction sites, and event organisers. It is easy to handle and set up and can be cut to any size to suit your requirements. You may also choose to have eyelets to easily attach the signs with zip ties. Corflute can be printed in full colour on one, or on both sides. They can be finished with UV and weather resistant vinyls for that added protection.

Reach out today to book a free consultation from one of our signage experts, and ensure you get current promotions by following us on Instagram @Signarama_Mitcham With many years’ experience in this field, Signarama are able to work with you to design, manufacture, install and help you maintain your signage, offering innovative solutions to all your signage needs. For more information about the services we provide, or to get advice on the best signage for your business, visit our website or simply call 1300 633 902 to get in touch with our expert team today.

CAFÉ BARRIERS Our barriers are sturdy, lightweight, and easy to set up. Designed to be weather resistant, they complement other outdoor promotional signs, providing branding consistency and a neat boundary

Glenn Martin mitcham@signarama.com.au www.signarama.com.au/store/mitcham

December 2021 | FIND KNOX

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www.findknox.com.au

Getting Ahead Omicron

By Warren Strybosch

Australia is not planning to stop Omicron variant from entering the country, instead they will try to get ahead of it by slowing down its spread, according to the leading health officials.

Chief medical officer Paul Kelly announced at a senate inquiry examining COVID- 19 that there were already infected people in the country with Omicron. Ten cases were acquired from overseas and 17 cases were locally.

None of these cases, however, showed any symptoms of severe illness and no one was hospitalised except for a sevenyear-old from NSW. Recently, Professor Kelly told the Senate committee “At this stage, there are no definite signals anywhere in the world that Omicron is more severe than other variants that have preceded it, but we are watching closely.” He also added that “It’s clear this is not the last variant.”

He also mentioned that there was no evidence to suggest a specific vaccine would be used to deal with Omicron

Konstantin Shamray

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Tue 14 Dec 6pm

variant and that there was no need to bring forward the booster shot program.

The majority of Australians will be eligible for the booster shot from March of next year. By the end of January, more than 4 million people will be eligible to take the Booster and by the late May this number will increase to 17 million. For these millions of eligible people, LieutenantGeneral John Frewen, the head of the vaccine rollout, said that there would be more than enough supply of vaccines for boosters in the coming months.

He also said that “I certainly think primary care will be the backbone, but we are in constant negotiation with the state and territories as to what role they can play”.

Thus, GPs and pharmacies would be the key rivers of the booster rollout.

Already, Australians are receiving the booster letter from the Government encouraging everyone to take their booster shots. It is purported that Australia has purchased enough booster shots to enable everyone to have at least 6 shots each.

Soon, children from ages 5 and up will be able to take their first vaccine shots as well. It seems the government is keen to get everyone, regardless of age, to take the vaccine.

To encourage the take up, the government, state and federal, are applying pressure on the unvaccinated by withdrawing much needed services e.g., elected surgery, to ‘encourage’ them to get vaccinated.

The unvaccinated are already feeling the pain of not being vaccinated, with many losing their jobs and being restricted from attending social events.

There are already discussions amongst the unvaccinated of setting up unvaxxed communities whereby those who are not vaccinated can go and live with other unvaxxed people.

We are living in unprecedented times and only the future will decide whether or not we did the right thing or not.

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We're thrilled to host seven events as part of the festival, including music icons Paul Graboswky & Emma Donovan (pictured) Amos Roach, Aura,.....

Join the Australian Brandenburg Orchestra this Christmas for their live and luminous return in Noël! Noël!...

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December 2021 | FIND KNOX

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It’s Up And Running

By Peter Horton

The Ringwood Bowls Club has officially launched its new website and here is your invitation to view what the new website contains.

Go to www.ringwoodbowls.com.au and see our new website.

Find out about how you can become a member of the Club either as a bowler or as a social member.

Get all the details on how easy it is to hire our venue for your next function and how you can access our in-house catering.

Check to see when barefoot bowling is held – the day, the time and the cost.

See the many businesses that are valued sponsors of the Ringwood Bowls Club and check out our ‘sponsors information directory’ – there’s everything there from buying a house, getting the bank loan to pay for your purchase, where to shop

for the best bargains, where to eat and stay in Ringwood right through to getting your car serviced.

The Ringwood Bowls Club has finalised its long-term business plan that incorporates a number of marketing strategies that will be implemented throughout 2022.

The plan has been developed to ensure that the Ringwood Bowls Cub remains one of the largest sporting clubs located within the City of Maroondah.

And to ensure that Club members were involved they were invited to submit their ideas on how the Club can move forward – giving them ownership of the future of a well-established and professionally run sporting club.

FIND Maroondah plays an important role in helping the club tell its story.

In the New Year as we unfold some of

www.ringwoodbowls.com.au

our new marketing plans you may well see an opportunity for you to join our club, make new friends, attend social activities and have a good time – even if you don’t bowl.

2021 has been a difficult time and like many other sporting clubs in our areas the lockdowns we endured throughout the year made it difficult for the club to maintain any form of continuity – but here’s the good news – we are back in business. Our new website is up and running and we are putting the finishing touches to a range of concepts planned to make the Ringwood Bowls Club bigger and better in 2022.

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How to Survive Christmas with a New Baby LACTATION CONSULTANT

By Dr. Joanna Strybosch

Anticipating your baby’s first Christmas is really special and everyone loves it when there’s a new baby in the family at Christmas time. However, as is often the case in situations that are emotioncharged, there can be a reality gap... where the expectation and the reality don’t meet. In order to set yourself up for a more realistic and happy Christmas Day, consider the following tips: 1. Work out where your baby is going to sleep on Christmas Day. If you’re planning to spend time in someone else’s home on Christmas day, it will pay dividends to have a good preemptive think about where your baby will take their naps. Whilst there may be a house full of willing relatives prepared to nurse, rock and cuddle your baby non-stop, this will only work for so long.

Eventually your bubba will become overstimulated and exhausted from all that handling and at some point you will have to extract your baby from grandmas arms and find a suitable sleeping place.

Ideally you’ll need the use of a quiet room, away from the hustle and bustle of the Christmas festivities, with either a bed for you to both lay down on, or a cot of some description (porta-cots can be great option and tend to work better than a pram in scenarios like this.)

And just remember that an over-tired baby is even more difficult to get to sleep, so don’t be tempted to give in to requests to keep the baby up past her nap time. Unless the same well-meaning relatives are willing to settle your baby to sleep when she’s a crying, exhausted mess! Be firm and leave the room before your baby is over-tired, which is likely to be sooner than you think with all the extra stimulation going on around them.

2. Better still, have Christmas at your house In the end, it may just be the very best decision to have everyone come to your house this Christmas. After all you’re the one with the new baby. The benefit is that your baby can nap in their normal sleeping environment and you don’t have to lug all of that extra gear with you and set it up in someone else’s house, when all you really want to do is relax

and enjoy the gathering. That doesn’t mean that you do all the cooking either! Make sure to delegate when it comes to who’s bringing what food and accept all offers of help. Especially help with washing dishes and cleaning up afterwards.

3. Have realistic expectations Chances are your baby’s first Christmas may not go exactly as you hope it will.

Your own stress levels will probably be running higher, you may be extra tired, your baby may not have slept the night before, and you may have a long car trip before you get there. And if your baby was born during Covid they are probably about to see more people in one day than they have done on any other single day in their life. Expect them to find it overwhelming and expect to find it tiring yourself. Then, if things don’t go quite to plan, you can be kind to yourself and willingly let go of the expectations that you may have had for the day.

Parenting is not picture-perfect. It’s hard work and it’s messy at times and that’s okay. Next Christmas your baby won’t be a baby anymore!

4. Enjoy yourself but go easy on the alcohol and plum pudding If you’re breastfeeding, just be mindful that what you consume, your baby does too. A lot of rich food or unaccustomed food can lead to fussiness later on. Better to not indulge in too much that varies

greatly from your usual food choices.

And if you are planning to consume alcohol, you need to do so carefully around the timing of your feeds. It takes approximately 2 hours for a standard drink to leave your bloodstream and your breastmilk. That means you should not breastfeed your baby within two hours of consuming alcohol. The best time to have an alcoholic drink is just after feeding your baby so that you have as much time as possible for your body to break down the alcohol before your baby needs to feed again. It’s a really good idea to consider expressing a feed and taking it with you so that you don’t get caught out. Any milk you express whilst you have alcohol in your bloodstream is not safe for your baby and will need to be thrown away.

If in the end everything goes to pieces and you end up with an over-tired baby who hasn’t slept or fed well all day, just remember you can start again tomorrow. Be grateful for the time you’ve had with your loved ones and for the gift of your new baby and take some photos to remind yourself of your baby’s first Christmas. You’ll be glad for the memories in years to come.

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

LACTATION CONSULTANT www.childrensosteopathiccentre.com

www.findknox.com.au

December 2021 | FIND KNOX

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Why Should You Use a Mortgage Broker?

MORTGAGE BROKERING

By Reece Droscher

It’s time, time to take control of your finances and stop paying Loyalty Tax to the bank. You want to refinance your home loan to get a better rate, but where do you go? The bank down the road looks like they have a good rate but you’re self employed and had heard it was difficult to get a home loan. You may be right, but how do you know that you’re getting the best option available to suit your needs?

That’s how a Mortgage Broker can help you.

Finding A Lender To Suit You A Mortgage Broker can help you filter out the Lenders that don’t suit your personal situation. Asking your friends or on a Facebook group will only provide you with the lender that is right for that person, and it probably only suited them at the time they applied. If they were to apply again six months later, they may find they are better off with a different lender altogether. Each Lender’s credit policy is different and while one lender may be happy to lend to the self-employed, others prefer PAYG. Some will lend for properties in regional areas, others only suburban.

Time or Features important?

–

what’s

more

Time can also be a factor when deciding which lender to go to. If you are looking to purchase a house, you may need a lender that is approving loans quickly.

If you are refinancing, that may not be an issue and having the right rate and product features is more important.

Mortgage Brokers are in touch with the lenders every day and know which ones are fast movers and which ones are taking a bit longer.

Fast Refi If you are refinancing and time is of the essence, after all you want to be paying the lower rate as quickly as possible, there is a product called Fast Refi. Often it is your current lender that can hold up the process and delay settlement meaning they get to receive your repayments a little longer. Lenders who do Fast Refi bypass asking your current lender to transfer the title of your property before releasing the money to pay out your current loan. They simply pay the money and then go after the title. Not all lenders have this option but your Mortgage Broker will know.

Medical Packages

Practitioners/Professional

Did you know that if you are in a certain occupation, some lenders will offer you extra benefits? Things such as no Lender’s Mortgage Insurance on loans over 80% LVR or no fees. Some of these

occupations include Doctors, Nurses, Paramedics and Dentists as well as Financial Planners, Accountants, Lawyers and Vets. If you think you might be eligible for this type of loan, a Mortgage Broker will know which Lenders offer this.

BID – Best Interests Duty Mortgage Brokers are required to always put your needs first and to consider each loan based on your personal requirements. This means you can be confident that, even in the long term, the loan you get will be in your best interests and will have taken into consideration your current plans as well as future ones.

If you simply walk into a bank, even if they know their product isn’t the best one for you, they can only offer you their product, which could cost you dearly.

As a mortgage broker we act in your best interests. A lender has no obligation to do so. At SHL Finance we have always acted in our clients’ best interest and would love the opportunity to help you too. Please call Reece Droscher on 0478 021 757 or Jodie Moore 0402 513 213 should you want to discuss your finance requirements.

Reece Droscher Mortgage Broker SHL FINANCE reece@shlfinance.com.au www.shlfinance.com.au

December 2021 | FIND KNOX

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Take the journey...Love is all you need!

PARENTING

By Lesley-Anne Banton

Over the last 5 years I have worked with men and women who have wanted to go on the journey of self-discovery and self-development. Some have started the journey because the have some emotional pain somewhere in their life.

Some have started the journey because they knew there was more inside them, they had had not yet discovered or taped into. Some have taken the journey because they have felt like they do not fit in anywhere and or they are misunderstood and in fact do not fully understand themselves. There are those who have seen and experience trauma.

There are those that have taken the journey because they want to enhance the life they have, expand, and enhance their thinking about themselves and the world around them. And there are those who have taken the journey because of their children wanting to be a better version of themselves for their children.

All have entered the journey because of LOVE, either the absence and wanting of self-love or because of the love they have for themselves and those around them. Their intention comes from a place of love, all have been motivated by love even when there’s extreme emotional pain.

incredible, empowering self-loving journey’s I have ever taken, it has turned into an adventure. I don’t know what I am going to find, see, acknowledge, embrace or feel deep gratitude for next.

For those who have it is life changing, I am not just saying this as a coach but as a person who has taken the journey herself and is still on the journey. There are times in my journey I wanted to bail out, there are times when I have reflected on self, my thinking and events in my life that were so painful to revisit yet the lessons and the empowerment from allowing myself to go through and seek to change has been so worth it.

What I know to be true is that no matter the adventure an individual has taken and no matter how much pain or challenge they encountered they also encounter growth, change, and ultimately love, self-love. They learn to fully love all aspects of themselves, they learn to breakthrough old and limiting thinking, they break old dysfunctional patterns that no longer serve them in the life they want to create for themselves.

They learn that no matter what they have gone through they have gotten to this point in their lives and are succeeding (whatever that means or looks like to them). They get to see and reach the potential that was always within them and be reunited with incredible internal resources that they had forgotten they had or had lost sight of along the way.

They get to be the whole loveable them that they were born to be, dropping any roles that they had picked up along the way that were never theirs to begin with. They get to find their voice, discover their boundaries, and stand in their own truth of who they are not what they think others want them to be. They discover they can create the life that they have always wanted without guild or shame and celebrate themselves for ALL of who they are and so much more.

Taking the journey of self-discovery, exploration and development is the hardest, painful, uncomfortable yet

Deciding to take the journey, challenge your thinking and what you know is open to everyone, there is no prerequisites and

Many opt to stay safe and in the emotional place they know so very well, and that’s ok. Others believe it’s all mumbo jumbo and pointless and some the pain of self-exploration and development is so confronting and traumatising that they choose to never take the journey. And this is ok.

It is a deeply personal choice and opinion to take the journey or not.

it’s not exclusive. It is simply a choice.

There are so many inexpensive resources out there that can help start your journey, books, audiobooks, podcasts, social media, youtube, the internet and local libraries, anyone can start the journey and you get to choose how fast, how wide, and how deep you take your personal journey. There are coaches like me that can assist you and fast track your growth in a safe supportive manner and space, this is usually a lager and ongoing investment than buying a book or listening to a podcast.

The gift in the journey is love, self-love and so much more comes from that and can be achieved from that, I have been honoured and trusted to hold many in a safe place as they gave themselves the gift of being who they were born to be. I could make comment to the gift you give others as a ripple effect of to stepping out on the journey, however, this is a wonderful by-product yet the love and joy you find within is even more than that.

Give yourself the gift of love, take a small step on the journey, dip your toe in the water, expand the love and understanding you have for yourself. You are worth it.

Lesley-Anne Banton Leadership and Parenting Disruptor & Coach THE PARENT WHISPERER www.theparentwhisperer.com.au 0432 848 418

www.findknox.com.au

December 2021 | FIND KNOX

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The Rise, Fall and risks of Cryptocurrency

By Warren Strybosch

Graph: Bitcoin falls in early December

In early December the crypto market saw a staggering $570 billion wiped off the crypto market due to fears of further ATO and government intervention.

Bitcoin dropped down by over 16 percent with most other coins following its lead.

The drop took Bitcoin below $62,000 and back to October pricing. In early November Bitcoin was valued at over $94,000 and this drop reduce that price down by 30% from November pricing.

What was interesting is that the drop to below $62,000 took only 60 minutes. Blink and you miss the opportunity to buy at that price.

It only took a couple of days for most coins to rebound back to their pre-fall price and Bitcoin, once again, starts its upward trajectory to a value no-one knows where it will end.

Why did this occur?

The reason is speculative at best, and one must wonder if the information was disseminated to simply cause fear amongst current investors with the sole purpose of trying to reduce the price so others with money could purchase these investments at a lower value.

So, what was the news that was being spread around? It simply was greater regulation. However, this is old news so why has it caused such a flurry? We already know that the ATO is monitoring cryptocurrency platforms operating in Australia and that investors now must disclose their profits and losses in their tax returns.

Others are speculating that the Fed will jump in and tie up crypto with red tape, making it harder to invest in this asset class. Others have gone so far to state that they believe Bitcoin will drop down to $14,000 in the not-too-distant future.

Again, this seems so unlikely given crypto, whilst not new, is only really starting to get noticed by dad and mum investors and it is likely that as more of these punters enter this space, the price of crypto coins will only increase in value and not decease as some are led to believe, even if there is greater regulation.

However, some commentors, like Tony Richards, who heads up the RBA payments, believes there might be crash in crypto soon, especially if the central banks try to intervene.

Source: Coinspot

“I think there are plausible scenarios where a range of factors could come together to significantly challenge the current fervour for cryptocurrencies, so that the current speculative demand could begin to reverse, and much of the price increases of recent years could be unwound,” he told the Australian Corporate Treasury Association in November.

Whilst no one really knows where the price of Crypto currency is going to be next week or next year, every investor needs to be aware that investing in crypto currency is high risk and the possibility of losing all your money could happen.

This was only too real for investors who had their money invested with Blockchain Global Limited, a Melbourne based company, that has recently gone into administration.

Blockchain Global Limited operated a cryptocurrency trading platform called ACX and had been managing millions of dollars of investors’ money in crypto coins.

In February 2020, the platform stopped working leaving many investors high and try and the company owing over $21 million to creditors.

What makes matters worst is that the

administrators are trying to obtain a laptop owned by one of the overseas directors which was holding the credentials required to access the crypto wallet holding all the investors’ money.

Apparently, the laptop was stolen from the director at a China airport.

I am not sure about you, but if I had the only laptop holding the credentials to a crypto wallet holding millions of dollars of other people’s money, I would not let that laptop out of my site. One must question the validity of the statement made by Mr Yeo regarding Mr Allan Guo, who was in possession of the laptop at the time it was allegedly stolen in China.

With all of China’s security, it is surprising they have not been able to track down the missing laptop.

This collapse highlights the challenges of getting access to investors’ crypto money when the credentials are stolen or go missing. It is unlikely these investors will see all their money returned to them.

Cryptocurrency is designed to be difficult to trace, which has made it popular for those involved in criminal activities, including drug dealing and money laundering. This collapse is likely to be one reason why we will see more regulation in this space.

December 2021 | FIND KNOX

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FIND KNOX | December

www.findknox.com.au

Expectations versus Reality GENERAL INSURANCE

By Craig Anderson

There are questions that have only a yes or no answer, and you will find some of these types of questions on your insurance renewal forms. For a Home and Contents policy, the question may be, “Is the property in poor condition or poorly maintained”, to which everybody invariably answers “No”. This may not in fact be true, and you may be unaware you are misleading your insurer.

but good practice would have you (or your competent tradesperson) maintain anything that can be accessed even if out of sight. Typically, destruction caused by animal, bird, insect, vermin or rodent eating, chewing, clawing, pecking, nesting or soiling in a single incident or over a long period of time is excluded.

This means you should be doing your best to prevent this from occurring, as the insurer will not be footing the damage bill.

For example, if you have a valley iron on your roof which is not visible from the ground and it is full of debris from an overhanging tree, or have cracked tiles, missing bedding, or loose flashing etc. then you have not maintained your house properly like you promised. As you have already sworn to the insurer as part of the legal contract of insurance that you do maintain it, you may have a claim rejected when the cause of a claim is determined by the assessor to be poor maintenance. Sudden and unexpected ingress of water due to storm damage should be covered, but if the main contributing factor that created the claim is poor maintenance, then do not be surprised if the claim is declined.

Regular pest inspections and treatments are a great way to prevent and treat serious infestations. Given that the price of replacing a house is in the hundreds of thousands and the cost to spray for termites is often below one thousand it seems like a good deal to me. Termites also like damp ground, so maintaining good stormwater drainage and keeping your sub-floor dry is a good thing to do. Preventing water saturation around footings, stumps, and slabs can avoid subsidence and heaving too, which if caused by blocked and broken drains over time, will not be covered either. Sudden and unexpected pipe ruptures are mostly covered, but years of seepage would not be. So ensure your stormwater, sewer, and mains water systems are checked and if necessary repaired before serious damage occurs.

So how much should you reasonablybe expected to know as a homeowner?

The answer may vary,

Your policy is not a “cure-all” or “Magic Bullet” so you should understand the extent to which you are covered, and act

accordingly. Policies vary depending on their type and the insurer who issues them, so do not assume anything, and if you need clarification (after reading the PDS) ask the provider who sold it to you to provide it.

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

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 General Insurance Small Business Insurance Brokers www. heightsafetyinsurancebrokers.com.au

0418 300 096

www.findknox.com.au

December 2021 | FIND KNOX

23

Labor has a very short memory: To win votes they will scrap the new education requirements placed on financial planners.

By Warren Strybosch

This would have to be one of the most frustrating announcements I have heard from Labor. Labor has provided no help to financial planners and pretty much has supported all recommendations laid down from the Royal Commission which has led to the demise of the financial planning industry.

Prior to the Royal Commission there were about 33,000 financial planners in Australia and since the Royal Commission, we have seen those numbers drop down to an alarming 18,500 and it is predicted those numbers will fall below 15,000 in the next few years.

At every turn, when financial planners were seeking support from local MP’s, most Labor MP's believed that financial planners deserved everything they got. They were in support of all the recommendations from the Royal Commission.

Not only have many financial planners left the industry but the mental and financial toll has been huge on many financial planners who run their own small businesses. Nobody has really talked about all the suicides that have occurred; the loss of family homes, and the mental illnesses that many financial planners have suffered with over the last few years. Has any other industry lost nearly 50% of its profession in such a short period of time?

Don’t get me wrong, I think the financial planning industry had to have a shakeup. It was long overdue. The result hasled to an industry that was once looked down upon to now a profession that now has some respect amongst other professionals and is finally, amongst the community, starting to be seen as a more trustworthy profession to deal with.

Even accountants, who thought financial planners were no better than the stuff they would wipe off their shoes only a few years ago, now have a respect for anyone who is able to remain a financial planner since the Royal Commission.

Many accountants are giving up their limit financial planning licences because it is all too hard and costly to remain in this space.

What about all those financial planners who have worked hard to already obtain their necessary qualifications? Many financial planners have completed their bachelor’s degrees or gone further and obtained post grad qualifications.

How will they feel if Labor scrapes the requirements? What do you think?

Should the financial planning profession allow existing advisors to remain in the industry if they only have a diploma?

Now, we have Labor coming out and stating that they will scrape the education requirements for existing financial planners. They are stating that anyone with 10 years’ experience in the industry should remain and should not have to obtain the necessary degree or education requirements to remain in the profession.

I personally think that people in Australia want to know that financial planners have at least a bachelor’s degree. For Labor to scrape this education requirement is nearly surmountable to them saying they don’t care what has happened in the past; that they don’t care that people lost their money to ‘salespeople’ who had little or no qualifications and were only in the industry to sell you something.

I think Labor has a very short memory. It was not so long ago that the profession had to be clean-up, but Labor seems to want to take us back to the dark ages of financial planning – all to win a few votes.

So, Labor wants to go back to a standard that was sub-par at best and keep people in the profession who likely only did a weekend course to obtain their diploma. Do we really need to have another Royal Commission in the future simply because Labor wants to try and win a few votes?

Do you think a profession like financial planning, that deals with complex issues and people’s money, should have people working in it who have only Diplomas? Wouldn’t you rather know that the minimum standard for all financial planners is a bachelor’s degree?

December 2021 | FIND KNOX

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FIND KNOX | December

www.findknox.com.au

New super laws coming into effect soon will make it easier for you to top up your super/pension prior to age 74 – even if you have already retired.

FINANCIAL PLANNING

FINANCIAL PLANNING

By Warren Strybosch

If you have already retired and set up your pension but have come into some additional funds e.g., inheritance, there are some changes to the superannuation laws that may help you get those funds into super to benefit you in your retirement.

There are limitations as to how you can place funds into superannuation. One of those limitations relates to your age and work status.

Currently, you must be below age 67 to avoid the ‘work test’. Anyone below age 67 can place additional funds into super and take advantage of the bring-forward rules.

However, if you are over age 67, it starts getting harder.

For those over age 67, you must prove that you are gainfully employed to meet the superannuation work test. The work test requires you to be in paid work or gainfully employed (that is employed, or self-employed for gain or reward) for a minimum of 40 hours over a consecutive 30-day period during a financial year, before you're able to make voluntary super contributions.

Unpaid work, volunteer work, working for a charity is not considered gainful employment. Also, receiving money from shares, investments, or income from a rental property, is unlikely to be accepted as paid work as these earnings are derived from passive income sources. You must be remunerated for the personal services you are providing

via salary, business income, bonuses, or commission. Also, the employment arrangement must be full documented and declared for income tax purposes.

Very soon, the bill – titled the Treasury Laws Amendment (Enhancing superannuation outcomes for Australians and helping Australian businesses invest) Bill 2021, will be passed through the senate. It is the legislative outcome of the package of superannuation reforms announced in the 2021 Federal budget that is designed to give older Australians, including self-funded retirees, greater flexibility to contribute to their superannuation and access their housing wealth.

One of the changes introduced in the bill, will be the increase in age regarding the work test. When the law passes, from July 1, 2022, individuals aged 6774 will no longer need to meet the work test when making non-concessional superannuation contributions.

Individuals will be able to access the non-concessional bring-forward arrangement (subject to meeting the relevant eligibility criteria) prior to turning 74, an increase from age 67.

Access to concessional personal deductible contributions for individuals aged 67-74 will remain subject to meeting the work test.

These changes are great for those already retired and below age 74. It will provide them with the opportunity to place more funds into super; someone with a total super balance of less than

$1.48 million will be able to contribute the full bring-forward amount of $330,000 in one hit. Note: The $14.8 million relates to the bring forward rule and is different to the general Transfer Balance Cap (TBC) of $1.7 million as at 1st July, 2021.

If you are over age 67 with money sitting in the bank or you have recently received an inheritance, have less than $1.48million in super, then consider speaking to your financial planner about placing further funds into super for your retirement needs.

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

Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice.

You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Alliance Wealth and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

www.findknox.com.au

December 2021 | FIND KNOX

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Carbon Emissions Are Down

By Tracey Ferrier

(Australian Associated Press)

Australia has recorded a drop in its carbon emissions on the back of the pandemic, lower coal production and more renewable energy in the national grid.

He hit out at the federal government’s new national gas infrastructure plan, which aims to lock in supply for households and manufacturers for east coast gas out to 2040.

In the year to June, emissions were down by 2.1 per cent

At least one new gas basin will need to be brought online before 2030 to meet projected demand.

That was driven by lower outputs from power generation and reduced emissions from transport during a year of frequent lockdowns and little travel.

One of the most important factors driving the long-term decline in carbon emissions was the shift away from coal for power generation, the June quarterly update of the National Greenhouse Gas Inventory said.

The report noted an overall decrease in coal production of 6.8 per cent over the year.

Agricultural emissions were up 4.9 per cent due to graziers restocking their properties after recent drought conditions ended.

Climate Council senior researcher Tim Baxter said the installation of solar systems, driven by the states, territories and households, was bringing down emissions in the electricity sector.

“Expanding and opening up new massive fossil fuel basins will only see Australia’s emissions increase at a time when the rest of the world is shifting away from coal, oil and gas,” Mr Baxter said on Tuesday.

“Following the pathway that underpins the federal government’s new gas plan will put us on track for a world that is a catastrophic 3.5 degrees hotter.

This is an unthinkable future.”

Greenpeace campaigner Glenn Walker said Australia had to move away from coal-fired power this decade.

“Closing coal-burning power stations by 2030 and replacing them with renewable energy backed by batteries is the fastest and most effective way for Australia to avoid a climate catastrophe.”

A spokesperson for Energy and Emissions

Reduction Minister Angus Taylor said the Morrison government was “acting in a practical, responsible way to reduce emissions while preserving Australian jobs and taking advantage of new opportunities for industries and regional Australia”.

Australia’s emissions have declined 22.8 per cent since their peak in the year to June 2007.

Emissions to June this year were 20.4 per cent below 2005 levels – the baseline year for Australia’s 2030 target under the Paris climate pact.

Australia faced heavy international criticism at the COP26 climate summit in Glasgow about a month ago, most notably for refusing to follow other nations and ramp up its six-year-old 2030 emissions target.

Prime Minister Scott Morrison told the conference Australia would stick to its pledge to cut emissions by 26 to 28 per cent by 2030, but noted a 35 per cent drop is expected by then.

The conference ended with a call for all countries to return to the negotiating table in 2022 with stronger 2030 targets, in order to keep alive the hope of capping warming at 1.5C. December 2021 | FIND KNOX

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2021 TA

Partial abolition of the superannuation work test

The work test for making non-concessional or salary sacrifice superannuation contributions is proposed to be removed from 1 July 2022.

Currently, members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for non-concessional contributions (including the bring forward rule) will allow members to contribute more to super throughout their lifetime, subject to meeting other requirements.

It is noted in the 2021 Federal Budget announcement that the work test for individuals between 67 and 74 years will continue to apply for personal deductible contributions. However, an individual may be entitled to a ‘one-off’ work test exemption in limited circumstances (see event ‘Work test exemption for low balance retirees’).

Announcement(11-May-2021) Consultation Introduced(27-Oct-2021) Passed Royal Assent Date of effect

Downsizer contributions to superannuation Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. A recent legislative amendment originally from the 2021 Federal Budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60.

This contribution will be outside the current non-concessional rules.

To be eligible to make the contribution, they must have owned their main residence for at least 10 years. It is available to both members of a couple for the same home, even if only one is on the title deed.

These contributions are in addition to existing rules and caps and are exempt from the: •

age test

•

work test, and

•

$1.6 million total superannuation balance test

Announcement(10-May-2017) Consultation(11-May-2021) Introduced(27-Oct-2021) Passed Royal Assent Date of effect(1-Jul-2018)

for making non-concessional contributions.

Temporary full expensing of depreciating assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used or installed ready for use between 7:30pm AEDT 6 October 2020 and 30 June 2023. This final date of temporary full expensing has been extended by 12 months from a 2021 Federal Budget announcement. Legislation is now in parliament

Announcement(6-Oct-2020)

for approval. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the

Consultation(11-May-2021)

full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year.

Introduced(27-Oct-2021)

For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less

Passed

than $5 billion. Certain large entities will have separate eligibility criteria. Since the original legislation was enacted, further amendments have been made to the laws to allow businesses a choice in using

Royal Assent Date of effect(6-Oct-2020)

full expensing or not. In certain situations, it may be beneficial to spread out tax deductions over multiple years. However, no such option exists for small business entities using pooling for depreciation as the entire balance will be written off each year full expensing applies.

Victoria COVID-19 package for state taxes Throughout the COVID-19 pandemic, the Victorian government has announced various assistance for businesses who are required to pay land tax or payroll tax. Assistance has been given in the form of reductions, refunds and deferrals of these state taxes. However, not all assistance is applied automatically and requires direct application with the State Revenue Office. Most recently, a 12-month deferral of payroll

Announced: 20-Mar-2020

tax applies to businesses with Victorian taxable wages under $10 million. Also, land tax relief has been

Updated: 2-Nov-2021

extended into 2021 for landlords who provide qualifying rental reductions to their tenants. This has recently been extended again in October 2021. The impact statement and letters provide more detailed information for you to correspond with your clients, to ensure they receive all the assistance they are entitled to.

AX UPDATES Employee share scheme tax and regulatory changes proposed

In the 2021 Federal Budget, the government announced an intention to remove ‘cessation of employment’ as a deferred taxation point on employee share schemes (ESS).

Since then, exposure draft materials have provided further indications from the Treasury around changing both the taxation and regulatory framework for Australian businesses.

Announcement(10-May-2021) Consultation(25-Aug-2021) Introduced

Overall, these combined proposals for both ESS participants and businesses may change traditional

Passed

structuring of arrangements if they are enacted. Further, it will allow greater flexibility and clarity for businesses

Royal Assent

to make ESS offers to participants in the future.

Date of effect

Small business CGT concessions accessed by ineligible taxpayers The ATO is contacting taxpayers that have claimed small business CGT concessions in recent income tax returns.

The main focus of the correspondence is for taxpayers to ensure they meet eligibility conditions and have records to substantiate the concessions claimed.

Announced: 15-Nov-2021 Updated: 22-Nov-2021

For planned future transactions, taxpayers can seek a pre-lodgment compliance agreement or apply for a private ruling to ensure small business CGT concession eligibility.

Single Touch Payroll Phase 2 now deferred The ATO has announced an extension to begin additional reporting requirements under Single Touch Payroll Phase 2. Employers will not be penalised as long as they start reporting the additional information by 1 March 2022. Previously, the guidelines were to have employers commence Phase 2 by 1 January 2022.

However, if an employer is able to complete the additional reporting they have been encouraged to do so. One reason may be that the software provider enables an employer to complete additional reporting.

Announced: 23-Nov-2021

Single Touch Payroll Phase 2 will mainly require an employer to: •

split gross income of their employees into relevant sections

•

explain the withholding category of each employee, and

•

provide details on cessation of employment.

Updated: 24-Nov-2021

Payment Times Reporting Scheme The Payment Times Reporting Scheme commenced on 1 January 2021, providing small businesses with greater understanding of the corporate treasury management processes within large businesses and government enterprises. Information reported by large businesses on payment terms and times for their small business suppliers at an aggregate level is publicly available on the Payment Times Reports Register.

This will assist a small business in decision making by increasing transparency on how quickly they could

Announcement(10-Dec-2020) Consultation Introduced(13-May-2020) Passed(6-Oct-2020)

expect payment for work with a big business. Small businesses can opt out of being identified as a small

Royal Assent(14-Ot-2020)

business for the purposes of the scheme. This will mean that their payment times and terms with large

Date of effect(1-Jan-2021)

businesses will not be reported.

See More

December | FIND KNOX

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DECEMBER REALESTATE 2021

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

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

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

29

December 2021 REALESTATE

Share your vision for Kings Park We are inviting your ideas and feedback to enhance Kings Park, Upper Ferntree Gully. Have your say by 14 January 2022.

This is your chance to tell us how we can make Kings Park better for you and your family, and ensure it remains an attractive destination for sport and leisure activities into the future.

Your feedback will help us develop a long term masterplan for Kings Park. The masterplan will provide future directions, and initiatives to make the park better for locals, sporting clubs and visitors.

Topics we are seeking feedback on include facilities, walking and cycling connectivity and playground area.

Kings Park is well utilised by locals, and an attractive location for sport and leisure activities. The park consists of sporting ovals (including a grassed athletics track, long jump it and hammer throw area), cricket practice nets, sporting pavilions and toilet facilities.

Clubs and services located in Kings Park include: • • • • •

Upper Ferntree Gully Football Netball Club Upper Ferntree Gully Cricket Club Upwey Ferntree Gully Baseball Club Sherbrooke Little Athletics Club Coonara Community House

Ferny Creek and Ferny Creek tail, is a highly valued landscape character that runs along the west of Kings Park.

Further information about this community consultation, including the drop-in session is available on our Have your say website.

Join our School Crossing Supervisor team Our amazing School Crossing Supervisors help students travel to and from school safely. If you are interested in a career in community safety, apply to join the team by 20 December.

In Knox, we have 100 school crossings across more than 50 schools. On an average day, our School Crossing Supervisors help almost 7,000 children cross roads safely.

School Crossing Supervisors have an important role in maintaining a safe environment at school crossings, and promoting road rules in our community.

In the role, will have opportunities to work at different school crossings, and get involved in the school community.

If you are interested in a rewarding career that is community oriented, we invite you to apply for this role.

Further information, including the position description is available on our Careers webpage.

December 2021

Feedback on protecting our green areas closing soon We have extensive green wedge land that is important for agriculture, rural living, biodiversity and recreation. Share your feedback on our draft strategy to protect and enhance these irreplaceable areas by 12 December.

Our community highly values our green wedge land and significant landscapes for its beautiful views and various land usages. It is important that we protect these natural areas into the future for positive environmental, cultural and health outcomes for our community.

The draft strategy sets out values to protect, and provides land usage directions for the next 20 years. Precincts covered in the strategy are: • • • • •

The Basin Rural Landscape Lysterfield Valley and Hills Lysterfield Quarries and Surrounds Dandenong Creek Valley Healesville Freeway Reservation and Surrounds

If you live in a precinct, or enjoy visiting these areas, be sure to have your say on its future direction.

The draft strategy proposes specific actions for each precinct to

protect its unique environmental, and social values. Proposed actions to improve the precincts include habitat restoration, protecting view lines and cultural heritage, supporting agriculture and tourism, walking and cycling connectivity, and improved access to parklands.

Visit our Have your say website for further information on the draft strategy and to share your feedback.

Join us at one of our engagement sessions this Saturday. This is your chance to find out more about the draft strategy from our team.

Safety requirements for portable pools and spas If you are planning to set up a portable pool or spa in your backyard for summer, there are important safety requirements you need to follow.

pools are responsible for 40 per cent of drowning deaths in children under four.

Non-compliant barriers are the biggest cause of accidental deaths of children in home pools.

Under the Victorian Government safety standards, portable pools and spas containing a water depth of more than 30cm require compliant safety barriers to be installed. This includes bathing, wading and inflatable pools.

The safety standards also require portable pools and spas to be registered with Council if they are erected for 3 or more consecutive days. If your portable pool or spa remains in place for 30 days, you will need to obtain and lodge a Certificate of Pool Barrier Compliance with us as well.

The Victorian Government introduced the pool and spa barrier safety requirements to save lives from accidental drownings.

Portable pools and spas have the same drowning risk as permanent pools and spas.

According to Life Saving Victoria, home

Children’s paddling pools that hold less than 30cm of water do not require a pool safety barrier. After use, it is important that you empty out the water for safety andhygiene purposes. It only takes 3cm of water to cause an accidental drowning of a young child.

Remember to always ensure an adult is available to supervise children in playing in water at all times.

Further information about portable pool safety requirements is available on our Swimming pools and spas webpage.

December | FIND KNOX

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Are you Not-For-Profit in Knox Area?

Advertise your events for FREE on the following pages.

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

Knox

SUPPORT YOUR LOCAL

NOT-FOR-PROFIT

Knox

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

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

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

o hS p

Eat

Knox Shine a light on mental health this Christmas with Lifeline The holiday season is a time of celebration with family and friends and taking time out. For many of us though, it can be a challenging time. This holiday season may also feel different to what we are used to as COVID-19 has affected us all in some way.

To support the amazing work Lifeline Australia do to help people through difficult times this Christmas Westfield will be donating $2 for every Westfield Direct purchase made between 1 – 24 of December 2021*.

To help you find the perfect gift for a loved one and spread some Christmas joy, we have created a range of gifting edits here.

A Message from Lifeline Australia Consider whether someone you know may need additional support at this time of year, and make an effort to connect with them. Acts of kindness make us feel good while making others feel special. Never underestimate the power you have to make a positive difference in someone’s life.

And take time for yourself. No matter where you are these holidays – don’t forget that Lifeline is here for you. Whether it’s 3am on Christmas Day, or 11pm New Year’s Eve, Lifeline is open every day and night of the year ready to listen and support you. Reach out for help if you need it.

If you or someone you know needs crisis support, please contact Lifeline 24-7 on 13 11 14; text 0477 13 11 14 or visit www.lifeline. org.au/gethelp. If life is in danger, call 000.

What’s on this Christmas at Westfield Doncaster This Christmas, it’s time to bring it on! The decorations are going up and we can already taste the mince pies. Westfield is committed to making sure your Christmas experience safe and magical. From visits with Santa to gift ideas for the whole family, we’ve got everything you need to make Christmas easy. Read on for your ultimate guide to Christmas at Westfield Doncaster.

Santa photography thanks to our sponsor Subway® Making Christmas Merrier.

Tis’ the season to be making merry memories. Create a Christmas memory and book your photo with Santa at Westfield Doncaster. The much-loved tradition of visiting Santa will be balanced this year with ensuring the health and safety of our customers - and of course, Santa and his elves.

December | FIND KNOX

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RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

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

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@findretirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

www.findknox.com.au

December 2021 | FIND KNOX

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IS IT POSSIBLE TO LIVE YOUNGER?

Photo by Anastasia Shuraeva from Pexels

RETIREMENT

By Bernard Kelly MBA

In 2002, Becca Levy’s (Yale University) research provided us with evidence that adopting a positive mindset on aging creates 7.4 years of additional life, all other variables being equal.

But how can you actually live younger in your retirement years?

With lifespan increasing significantly, we’re sure that this question has been on your mind.

Here’s a few ideas: 1. Get creative and stimulate your mind.

It’s fine to do a daily Sudoku puzzle, but to live younger, you really should go a few steps further - towards Creativity.

This is when you develop new and original ideas, methods or objects.

An example would be when you establish a $2 Travel Club – arrange excursions on your local metro network at the daily senior’s fare.

2. Engage with people of all ages.

One of the attractions of volunteering is that you create friendships with likeminded people.

You too can achieve this level of satisfaction if you commit to keeping yourself updated on social media.

Just pick any platform and start conversions with your peers - on any topic that interests you.

would all satisfy – as long as you commit and become part of the team.

Then get further involved by watching relevant YouTube videos.

5. Learn from your younger self.

If you are still looking for direction, reflect what were your dreams were at age eight, or twelve or as a late teen.

3. Stand up for what you believe in.

That’s where you’ll find your energy and excitement and the route to living younger.

Today, you don’t need to be out in all weathers on Sundays at Speakers’ Corner.

As over half of us will live at least until our mid-nineties, our retirement years are likely to span several decades.

Today, all you need to do is write a blog.

That’s a long time to be bored, which is why attempts at living younger are so vital.

Blogs are easy – step 1. chose a descriptive name, step 2. register your blog, step 3. write and publish your first post.

4. Commit to a cause You up the voltage on living when you commit to a cause.

Earthquake relief, saving an endangered species or education for the marginalised

Bernard Kelly MBA is a retirement coach.

Feel free to contact him anytime. His email is bernardkellygeelong@gmail. com

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

December 2021 | FIND KNOX

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PAGE

PROFESSIONAL SERVICES

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

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

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

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

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

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

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

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

INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 10 • Find Accountant ----------------- 12 • Financial Planning ------------- 24 • Find Insurance -------------------- 39 • Bookkeeping ---------------------- 14 • Editor|Copywriter --------------- 06 • General Insurance ------------- 22 • Life Coach --------------------------- 20 • Signages ------------------------------ 15 • Mortgage Brokering -----------19

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INSURANCE

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

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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

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

248 Wonga Road, Warranwood VIC 3134

warren@findinsurance.com.au

1300 88 38 30

www.findinsurance.com.au

Find Wealth t/as Find Insurance Corporate Authorised Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

• Caravan

• Height Safety Insurance

• eBikes

INSURANCE

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

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

Visit Us Here

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

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

www.heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

ABN: 26689211803

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

December | FIND KNOX

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PAGES

PROFESSIONAL SERVICES

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

• Virtual CFO

Neha Nayyar - Director

• Training and Webinar

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

• Small and Medium Size Business Owners • Setup, Training & Review

Office: (03) 9424 9447

• Phone and Email Support

Neha: 0401 409 573

• Payroll

Email: info@sumsubstance.com.au

• Bookkeeping

Website: www.sumsubstance.com.au

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

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

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

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

ARCHITECTURAL DESIGN SERVICES

+61 426 188 744

1. Feasibility Studies

contact@kirarchitecture.com

2. Design Only

PO Box 233 Eltham VIC 3095

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

KATHY ISMAIL ARCHITECT

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

susan@creativetext.com.au

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www.creativetext.com.au

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0437 127 159

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www.kirachitecture.com

PAGES

PROFESSIONAL SERVICES

We are open and here to support your business.

Signarama Mitcham PRODUCTS

SERVICES

• Plans & Permits

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We offer contact-free installation!

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

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

• Design

Get in touch today.

03 9874 0543

• Brand Audits & Consultation

GLENN MARTIN

• Manufacturing

MANAGING DIRECTOR

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

Get the Morthgage You Deserve

• INVESTMENT LOAN • COMMERCIAL LOANS

reece@shlfinance.com.au

• STANDARD VARIABLE & FIXED RATE LOANS

0478 021 757

• HONEYMOON LOANS • BRIDGING LOANS • INSURANCE

REECE DROSCHER

• DEVELOPMENT FINANCE

MORTGAGE BROKERING

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

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

Areas of Expertise

Contact Details

º WHS/ OHS

mfelton@beaumontlawyers.com.au

º Manufacturing

03 9727 1376

º Regulatory Compliance º Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

º Succession Planning

PO Box 61, Mooroolbark VIC 3138

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

º Business Management º Operations

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

8.5

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

FITNESS SHAKES

9.0

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

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

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

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

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

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

ICED COFFEE

5.0

• mocha • macchiato

BOOSTERS

5.0

• nrg • focus • cleanse • hydrate

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

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

December | FIND KNOX

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LOCAL TRADIES

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

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

INDEX PROFESSIONAL SERVICES • Coffee Machine Machine -- 09 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

WE'R

PAGES

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

▪

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LOCAL TRADIES

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100% FREE, TWO-WEEK TRIAL 100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE FLAT WHITE ▪ Automatically heats and froths fresh milk for each cup ▪

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Automatically heats and froths fresh milk for each cup

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION • • • •

State-of-the-art Swiss technology Sleek design that fits the modern office Grinds fresh beans for each cup, no powders Automatically heats and forths fresh milk for each cup

MORE THAN JUST ESPRESSO

SHORT BLACK

BOOK YOUR FREE TRIAL NOW by calling

LONG BLACK

XPRESSO DELIGHT WARRANWOOD 0418 393 085

....and many more!

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

Go to www.findmaroondah.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

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

139 x 96 mm - 1/4 Page Portrait

If you have any questions, contact the editor on 1300 88 38 30 or Email warren@findmaroondah.com.au

December | FIND KNOX

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PAGES

HOME & GARDEN

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

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

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

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

HEALTH & BEAUTY

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

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

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

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

Contact Us

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

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

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

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

December | FIND KNOX

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

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

SPORTS

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

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

December | FIND KNOX

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DECEMBER 2021

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

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

Religious Practitioner Stories & Services

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

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

December | FIND KNOX

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Birth, Deaths & Marriages DECEMBER 2021

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

SEND US YOUR NEWS! Knox

1300 88 38 30 editor@findknox.com.au

Birth, Deaths & Marriages

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

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

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KNOX

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

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31 January 2021 - 31 January 2022

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

FIND CARD LOCAL OFFERS

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

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

S S

M A

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& Lunch

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Coffee

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

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M A

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Entertainment

Dance is the poetic baring of the soul through motion FIND ADVERTISING COUPONS editor@findknox.com.au 1300 88 38 30

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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.

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

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DECEMBER 2021