Find Manningham - March Edition 2021

anningham The

MARCH 2021

WHAT’S INSIDE: 03

LOCAL STORIES

04

COLUMNIST ARTICLES

30

TAX UPDATES

33

REAL ESTATE - RENTAL LISTINGS

37

MANNINGHAM COUNCIL NEWS

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

OUR NEWSPAPER The Find Manningham was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with is core focus of helping other Not-ForProfits, 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 Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MANNINGHAM The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne.

Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

ACKNOWLEDGEMENT The Find Manningham acknowledge the Traditional Owners of the lands where Manningham 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 Manningham 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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About the Find Manningham

By Warren Strybosch

The Find Manningham is a community paper that aims to support all things Manningham. We want to provide a place where all Not-For-Profits (NFP), schools, sporting groups and other like organisations can share their news in one place. For instance, submitting up-andcoming events in the Find Manningham for Free.

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

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

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

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

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

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

and rolling out over the coming years.

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

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

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

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

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

We value your support, The Find Manningham Team.

Job ads point to solid employment growth

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

This week’s national accounts are gearing up to show another solid economic growth result at the tail end of 2020, as new figures point to further employment gains in coming months.

Job advertising surged 7.2 per cent in February, following an upwardly revised 2.6 per cent increase in January. It lifted the annual rate of the ANZ job ads series to 13.4 per cent, the highest level since 2018.

“The ongoing strength in ANZ job ads gives us confidence that we’ll see solid net employment gains continue over February and March at least, and that the impact of the end of JobKeeper in March will be mitigated to some extent,” ANZ senior economist Catherine Birch said Treasurer Josh Frydenberg is committed to ending the JobKeeper wage subsidy in March as planned, but has said other support measures are being considered for industries still in need, such as aviation.

However, the gradual winding back of the JobKeeper wage subsidy saw company profits drop by 6.6 per cent in the December quarter, but they were still 15.1 per cent up on the year.

Even so, the Reserve Bank is widely expected to leave the cash rate and other key measures unchanged at a record low 0.1 per cent when its board meets on Tuesday.

While weaker than forecasts, the Australian Bureau of Statistics data also showed the company wage bill rose by a solid 1.4 per cent, while business inventories – stock on shelves and in warehouses – are expected to contribute to Wednesday’s economic growth result in the national accounts.

Manufacturers are enjoying their strongest performance in three years, buoyed by the solid economic recovery from last year’s recession.

At this stage, economists are forecasting that the economy grew by around 2.5 per cent in the December quarter, although they will finalise their expectations after Tuesday’s international trade and government spending figures.

This builds on the huge 3.3 per cent rebound in the previous three months after collapsing seven per cent in the June quarter as a result of the COVID-19 pandemic, which marked the first recession since the early 1990s.

The Australian Industry Group performance of manufacturing index grew a further 3.5 points in February to 58.8, its strongest expansion since March 2018.

Ai Group chief executive Innes Willox said manufacturers lifted production and employment in February as sales recovered a large share of the ground lost in 2020.

“Manufacturers are generally positive about the outlook for the next few months with new orders coming in at a greater pace as restrictions on activity and crossborder travel are hopefully wound back,” he said.

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Foxes and Rats, both to be found in your garden this year NATURE & CONSERVATION NATURE ByLiz Sanzaro&

CONSERVATION

Many residents of Manningham have recently reported seeing foxes gamboling on their lawn, or running through their properties or even scaling a 6 ft paling fence, the side without rails.

There is no doubt the fox population is alive and thriving. Baiting is definitely not

recommended as accidental poisoning of dogs can occur. Manningham Council has no pest policy but offers funding assistance to landowners who wish to remove foxes from their property.

We all need to alter our habits and not leave food outside for animals, either at night or even during the day. If you own

chickens or other domestic birds, make sure they are not left vulnerable, this will mean embedding wire out underground around the perimeter of the pen, otherwise the fox will just dig under. Foxes travel quite significant distances 10 to 15 Km, so just because you don’t think you have a den nearby does not mean you won’t have foxes in your area.

Image from Whitehorse City Council Some very useful information is to be found in this link. https://www.whitehorse.vic.gov.au/waste-environment/trees-and-gardens/wildlife-guests-and-pests/pests/red-foxes Rats and mice have also done well this year in terms of making their presence felt, mostly very annoyingly. Those precious vegetables that were lovingly planted during Covid, when everyone was in lockdown, are making tasty treats for the rats. Their usual food source is in the CBD, where they invade dumpsters at the rear of restaurants and food venues, they are actually well fed with what is discarded.

Then they scamper off into drains, which are their underground highways to wherever the next food source is, maybe food dropped in the street gutters.

This year they have become Covid smart, and have followed those underground highways to where we live and where they can access scrumptious vegetables just ready for eating. Traps are the only recommended method of eradicating them since ALL rodent poison, even ones supposedly in just the right dose for a rat can still kill an owl if the rat is not yet dead and is predated on by the owl.

On FB pages there has been much discussion about how best to deal with this problem, and someone suggested, maybe put the bait down the street drains, which is a shocking suggestion.

Our street drains are storm water which does not get treated like sewage but goes directly into Port Phillip Bay, where families swim in the water. It would be a

disaster if rat poison was let into the bay.

It is also why dog droppings must be removed from nature strips, since they too are washed away into the bay. In summer an E-coli reading is given to let you know how safe the water is to swim in.

In fact, this just means how much diluted doggy do, do you want to swim in.

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Business groups clash over retail proposal

By Colin Brinsden (Australian Associated Press)

Small business and unions have struck a deal to increase hours for retail parttime workers that allows flexibility for businesses and certainty for their staff.

Retail union SDA and the Master Grocers Association have submitted the improved retail award to the Fair Work Commission, which if approved, will cover 1.2 million workers.

The improvements are supported by the ACTU and the Council of Small Business Organisations Australia, believing it provides a decent and fair response to the challenges faced by the retail sector in the pandemic.

But other business groups believe the proposal is poorly drafted, will add red tape and risks exposing business operators to costly disputes.

Even so, COSBOA CEO Peter Strong said small businesses need to be able to adapt to changing conditions.

“These new arrangements deliver both by ensuring certainty for working hours but also creating flexibility for businesses to grow permanent jobs as the economy recovers,” Mr Strong said in a joint statement with the ACTU. “Genuine agreement between unions and employers has always been possible, but not in a process which has been hijacked by ideologues.”

ACTU secretary Sally McManus said underemployment is a major problem in the economy with the risk the jobs in hardhit sectors become entirely casualised with no chance of permanent jobs with permanent rights.

“These new rights will mean greater certainty and protection for working people,” she said.

The new system requires that any change in hours is done by written agreement between workers and employers and includes a provision that would ensure that any sustained increase in hours can be reviewed and incorporated into workers’ contracted hours.

But in a joint statement from peak business and retail groups, they argue the proposal resembles what is already in the federal government’s industrial

relations omnibus bill but with additional compliance burden and risks for employers.

“The proposed variation means that every time an employer wants to offer additional hours of work to a part-time employee they will need to enter into a new separate written agreement with the worker,” the statement said. It also means once an agreement to offer extra hours is made, an employee

must be paid for the extra hours even if they do not work the hours.

“There is no way a business will offer extra shifts to part timers under that arrangement,” the joint statement from the Australian Chamber of Commerce and Industry, the Ai Group, the Australian Retailers Association, the National Retail Association and Australian Business Industrial said.

Special Tax Return Offer 1300 88 38 30

$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.

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

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Single-use Plastic Ban Update

By Warren Strybosch

Single-use plastic will be banned from 2023 in Victoria. This includes items such as plastic straws, drink stirrers and plates, as well as polystyrene food and drink containers.

The good news is that many eateries are already working towards this deadline with the introduction of paper straws being the most noticeable change thus far.

Many Sustainability groups are praising the efforts of the eateries who have already made the move, but they would love to see other items included in the ban e.g., coffee cups and other takeaway containers.

The ban will not apply to medical or scientific equipment, emergency services, or other activities that require the use of single-use plastics based on health and safety reasons.

Another sector that may be exempt from the ban would be the age-care sector where the elderly might require the use of plastic straws or other singleuse plastic items for their daily need requirements. Even so, the government is in consultation with this sector to see how they can limit the use of singleplastic items and replace them with other suitable items over time.

Find out more about the single-use plastic ban go to www.vic.gov.au/single-use-plastics.

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ASIC Attempting to put a stop to illegal phoenixing and company fraud

By Warren Strybosch

From 18 February 2021, new requirements will apply when ceasing a company director. Background.

From 18 February 2021, companies can no longer cease the last remaining director on ASIC records.

In February 2020, the Treasury Laws Amendment (Combating Illegal Phoenixing) Act 2020 was passed

by Parliament. Taking effect from 18 February 2021, this legislation introduces new offences and grants additional powers to ASIC and liquidators to help combat illegal phoenixing and avoid systemic fraud.

To enforce this, lodgements submitted using a Change to company details, or Form 370 Notification by officeholder of resignation or retirement, to cease the last appointed director without replacing that appointment will be rejected.

The amendments aim to prevent illegal phoenix activity by holding directors accountable, preventing them from improperly backdating their resignation or leaving their company with no directors.

• •

What are the changes?

There are some exceptions to this, including if:

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the last director is deceased the company is being wound up or under external administration; and the officeholder never consented to the appointment.

If you are ceasing a director under any of the above exceptions, you will need to contact us by phone, or submit an online enquiry with your details so we can assist.

In addition to the above changes, if a director’s cessation date is notified to ASIC more than 28 days after the effective date (e.g. director resigned on 1 April 2020, they notify ASIC on 1 November 2020), then the effective date will be overridden and replaced with the lodgement date (i.e. 1 November 2020).

Late fees still apply to the Change of company details form in this scenario.

Directors can apply to ASIC or the Court to change a resignation date. There will be an application fee for this.

These changes are intended to stop directors deliberately backdating cessations to avoid legal responsibility to creditors. (asic.gov.au)

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Victoria to Return to COVIDSAFE Setting Victoria will return to its previous COVIDSafe settings from tonight, allowing for more visitors in the home, reduced mask wearing and increasing the number of workers heading back to the office.

The move to further ease restrictions follows a reduced exposure risk and low community transmission.

From 11:59pm tonight, masks will be only be required on public transport, in rideshare vehicles and taxis, in sensitive settings such as aged care facilities – and in some larger retail settings including indoor shopping centres, supermarkets, department stores, indoor markets.

While masks are no longer mandated in most circumstances, the evidence is clear wearing a face covering makes a real difference in slowing the spread of the virus – so masks continue to be recommended indoors or outdoors when distancing can’t be maintained.

Victorians will be able to host up to 30 people in their home per day. Outdoor gatherings in public places – the beach, the park – can increase to 100 people.

The planned increase for office workers to return to work can go ahead at 75 per cent across both public and private sectors from 11:59pm tonight. For most workers, this will mean returning to the office from Monday 1 March.

Density limits in pubs, restaurants and cafes will remain at 1 person per 2sq metres for both indoors and outdoors with no other cap, so long as electronic record keeping – a QR code – is used.

For small operations, there’ll be no density limits if the patron number is under 25 and they will still be required to keep records.

For beauty services, businesses remain at 1 person per 2sq metres – if they also introduce electronic record keeping.

For businesses where that’s not possible, density limits of 1 person per 4 sq metres will apply.

Retail businesses also remain at 1 person per 2sq metres and electronic record keeping is recommended where practical. Funerals and weddings are subject to a density limit of 1 person per 2sq metres. The same rules will apply to nightclubs and our community facilities, like our libraries, RSLs, and community halls.

In gyms, the density limit remains 1 per 4sq metres – with exercise classes limited to 50 indoors and 100 outdoors.

The State of Emergency – which needs to be declared so the Chief Health Officer can issue directions to respond to the pandemic and keep Victorians safe – will be extended to 11:59pm, 15 March 2021.

Quote attributable to Premier Daniel Andrews

“I want to thank every Victorian for making today’s announcement possible – and I want to thank every Victorian for their patience. It’s been a hard slog, but Victorians are doing what they do best as we work to beat this virus: staying the course and looking out for each other.”

Quotes attributable to Minister for Health Martin Foley

“Thanks to the incredible work of our public health team and all Victorians, we’re now able to continue our road to recovery – but we know the risk to Victorians is far from over.”

“The need for our public health team to have the legal ability to enforce measures that keep us safe are at the heart of recovery, which is why the amendment to the Public Health and Wellbeing Act before parliament is so important.”

“We expect this legislation to be passed so we can continue to use the tools we need to respond to this global pandemic and keep Victorians safe.”

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Farm production tipped to hit $66 billion

By Matt Coughlan (Australian Associated Press)

Australia’s farm production has been forecast to soar to a record high on the back of a remarkable turnaround from a crippling drought.

The federal government’s agriculture forecaster ABARES predicts production will reach almost $66 billion in 2020/21.

The latest figures, released at ABARES’ annual outlook conference on Tuesday, show the industry is defying the pandemic and seeing off the effects of consecutive poor seasons.

ABARES acting executive director Jared Greenville said it was forecast to be an excellent year for agriculture with an expected eight per cent lift in production value from last year.

“The rebound from drought has been exceptional – in terms of the three consecutive years of decline and the sheer scale of the turnaround,” he said.

Australia’s winter crop of 55.2 million tonnes – the second biggest on record – has underpinned the growth.

Dr Greenville said favourable conditions and strong meat prices would drive an 18 per cent increase in the average national farm income, which is projected to hit $184,000.

Lower livestock numbers as farmers rebuild herds and flocks will lead to less slaughter and meat production, leading to a four per cent fall in exports.

Average national farm income is projected to increase 18 per cent to $184,000 in the short term.

In 2021/22, overall production is forecast to fall slightly to $63.3 billion with cropping regions benefiting from residual soil moisture and replenished water storages.

In the medium term, the value is expected to remain above $60 billion.

While the industry has set a governmentbacked target to reach $100 billion by 2030, Dr Greenville said the longer-term outlook was less clear.

“While the sector has demonstrated resilience and the ability to adapt to COVID-19, other challenges remain,” he said.

“Shifting trade, along with macroeconomic and production uncertainties, will provide the backdrop for what we expect to be a more difficult environment in which to grow production and trade value.”

National Farmers’ Federation chief executive Tony Mahar said the government needed a long-term trade strategy to deepen access to existing markets and create more export destinations.

Mr Mahar said biosecurity would also be key to maintaining and expanding export markets with a severe pest outbreak estimated to cost more than $50 billion.

“Alarmingly, our current system risks not being up to the job, without adequate investment in its expansion and modernisation,” he said.

Speaking at the conference, Agriculture Minister David Littleproud pointed to $328 million in last year’s federal budget to slash red tape for agriculture exporters.

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The Government is considering Younger people to pay for Age Care

By Warren Strybosch

The government is considering an age levy tax similar to the Medicare levy following recommendations from the aged care royal commission.

Recently, the Royal commission report in age care was released and included 148 recommendations.

The commissions of the report, Tony Pagone and Lynelle Briggs, believes that a levy needs to be introduced if we are to continue to provide a high-quality aged care system in Australia.

Mr Pagone, a taxation lawyer, believes a similar levy to that of the Medicare Levy is required and that those who are currently working should cover a majority of the costs of those living in age care.

“One way in which this mechanism could work would be to require the payment of an additional percentage of each personal taxpayer’s income tax,” Mr Pagone said.

“The additional percentage rate could be uniform (a flat levy, like the Medicare levy) or there could be graduated rates for different taxable income brackets (a

progressive levy).”

It is estimated, based on modelling, that the levy would be approximately 3% with all working Australians paying this amount. Otherwise, it would be a step levy based on earnings with the top levy being about 5% of earnings.

Mr Pagone said that while nobody would enjoy paying extra taxes, an aged care levy would be the best way to “engender stability and confidence in the future of aged care financing”.

“I also consider it likely to change the way the community perceives aged care for the better, towards it being seen as something valuable in which we all have stake, and that it will lead to greater scrutiny and accountability in the way money is raised and spent on aged care into the future,” he said.

Another suggestion is to introduce a ‘tax on frailty’ levy. Commissioner Briggs believes there shouldn’t be a hypothecated levy towards aged care.

She also considers that a Medicare-

style “aged care improvement levy” could help raise revenue to fund the commission’s recommendations.

Whilst the government acknowledges the increased cost to age care, Mr Morrisonis reluctant to introduce additional levies and to increase taxes. He said, “You know our government’s disposition when it comes to increased levies and taxes. It is not something we lean in to.

“As Treasurer, I once sought to increase the Medicare levy by 0.5 [of a percentage point] to support the National Disability Insurance Scheme and I wasn’t supported in that by the Labor Party or the Greens, for that matter.

“So, that’s something that I’ve seen in other contexts that the Parliament hasn’t supported before. So, you’d forgive me for being a little wary at this point.”

How would you feel about 5% of your pay going to towards an age care levy?

You can write your thoughts to the editor at editor@findmanningham.com.au.

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Transfer Balance Cap to increase from 1 July 2021 ACCOUNTANT

By Warren Strybosch

It’s official. The general transfer balance cap will be indexed from $1.6m to $1.7m from 1 July 2021 after the December 2020 quarter CPI rose enough to trigger the $100,000 increase.

Below we provide an outline of what this increase will mean for clients who are yet to commence a retirement income stream as well as those who have already accessed some or all of their transfer balance cap.

How will the indexation of the transfer balance cap impact clients?

A) Clients who have never commenced a retirement phase income stream If a client has never commenced a retirement phase income stream at 1 July 2021 (eg super pension/income stream where earnings are tax free), they will receive the full benefit of indexation.

Their personal transfer balance cap will be the same as the general transfer balance cap at $1.7m.

Example: Simon will retire in July 2021 and wishes to convert his accumulated Simon is able to transfer up to $1.7m into an account-based pension and not exceed his personal transfer balance cap.

B) Clients who have fully used their personal transfer balance cap If a client has fully used their $1.6m transfer balance cap at any time before 1 July 2021, they cannot access any of the increase due to indexation. Their personal transfer balance cap will remain at $1.6m.

Important note: To determine if a client has fully or partially utilised their personal transfer balance cap, the highest ever balance in their transfer balance account is used.

If a client has commenced a retirement phase income stream before 1 July 2021 however has not fully used their personal transfer balance cap (based on the highest ever balance of their transfer balance account), they will be entitled to a proportion of the increase in cap due to indexation.

For most people the TBC will not be relevant but for those who down-size, receive large inheritances and earn a high income, the TBC will be something to take into consideration when placing funds into super.

Example: Ava commenced an accountbased pension on 1 July 2019 for $1.6m resulting in a credit of $1.6m to her transfer balance account. On 1 January 2020, she withdrew $300,000 from the pension to gift to her daughter resulting in a debit to her transfer balance account reducing the balance to $1.3m.

Don’t forget, superannuation is a vehicle that provides tax-free income in retirement. It is important to seek advice early in life to gain the most from this vehicle prior to retirement.

On 1 July 2021, Ava’s personal transfer balance cap will be $1.6m and she will not benefit from indexation even though her current transfer balance account value is only $1.3m. This is due to Ava’s highest ever balance of $1.6m being used to determine if she has fully utilised the cap.

You can call them on 1300 88 38 30 or email

C) Clients who have partially used their personal transfer balance cap

Warren Strybosch

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

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Best Interest Duty – What is it and how does it affect you?

MORTGAGE BROKER

By Jodie Moore

Following the Banking Royal Commission in 2019, Mortgage Brokers are now bound by a new legislation called Best Interests Duty (BID). For a Mortgage Broker, this generally means more compliance and more rules. But what does it mean for you, the consumer?

At the heart of it, BID means a Mortgage broker must ensure they put the needs of their client first by placing them into a loan that best suits their situation.

Most Mortgage Brokers have access to 30+ lenders giving them hundreds of loans to choose from. From those hundreds of different loans, they have a duty of care to find the loan that is right for you.

When you use a Mortgage Broker, they will usually ask you to complete a Fact Find which gives them some in-depth information about your current and past financial situation. It covers employment, assets, liabilities, living expenses and much more. Once they receive this information, they will then want to have a conversation with you to ensure they understand your situation fully, but they will also use this opportunity to understand where you want to be in the next 5 years as this can also have an impact on what type of loan is most appropriate for you.

Once the Mortgage Broker has this information, they will then find you some loans that they believe meets your requirements. They will then present these loans to you so you can compare them and choose the one that best suits your current needs. The Mortgage Broker will usually recommend one of the loans, but they must explain to you why they believe that loan is the right one for you. But you ultimately have the right to choose which one you want to go with. If the Mortgage Broker has done their job properly up until this point, you will understand the differences between each of the loans and will be able to make this decision with confidence.

Many people believe that a Mortgage Broker will put them into a loan that pays the Mortgage Broker the highest

commission. This is simply not possible under BID. The Mortgage Broker must always give reasons for recommending a particular loan and those reasons must always be focused on the client.

There is also usually very little difference in the amount of commission each lender pays to the broker which means there is now less incentive to provide one loan above another.

What about Banks? Are they subject to BID? Actually, they are not. A lender can only offer their clients their own loans, which means the borrower is limited in choice e.g., maybe two or three. This means their client’s may not be getting the best loan for them, but rather they just get what is available at the time from that particular lender. As the Bank cannot offer their client another banks’ loan, they cannot put the client’s best interests first. This can cost the client thousands of dollars every year, which can add up to hundreds of thousands of dollars over the term of the loan, due to a higher interest rates, a poorly structured loan, and/or excess fees payable.

With BID now fully in force as of January 2021, you can rest easy knowing your Mortgage Broker is looking out for you. When you find a good Mortgage Broker, they will continue to look after you by keeping an eye on your loan and offering you a review when your situation changes, or when they identify another loan is more suitable to you.

Jodie Moore is a mortgage broker that lives in Warrandyte and looks after clients across eastern Melbourne. If you would like to no obligation discussion about your finance needs then please contact Jodie Moore on 0402 513 213.

Jodie Moore Finance Manager Find Mortgages t/as Find Home Loan www.findgroup.com.au/finance 0402 513 213

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Mercantile Legal - It’s law, but different.

LEGAL

By Dean Bosman

I admit that I can be very frustrating for other lawyers in that I don’t play the commercial/litigation game in the traditional way. I should preface my comments with the fact that the predominant litigation matters in which I am involved relate to unpaid money, with a few issues around liability and whether contracts have been honoured.

I am very literal in my approach in that I can usually see to the heart of the issue - what is really causing the dispute - and it is not necessarily just money. Once I have reviewed the facts I will approach the solicitor for the other party and try to get to the core of the dispute and resolve the issue. The best response I get is from solicitors who are willing to engage and simply focus on the core issues and resolve them. We may not necessarily agree on our opponents position but if the issues can be narrowed, the outcome can be resolved quite quickly. A senior litigator I know firmly believes that it is best to have a really good lawyer on the other side. If you have someone really good then there is no posturing, no bravado, just whether they have a good case, and what factors need to be considered in the negotiation.

Having said that it is disappointing how often I am countered with a blanket refusal to deal, an insistence on protocols such as requests for particulars and other interlocutory (in between) steps so that the solicitor can “fully understand the matter” which can be interpreted as a delay and phishing tactic. Essentially a delaying game intended to frustrate our client, drive up costs, and then offer to settle for less than half the amount owing.

While that might be how you could run a massive litigation with hundreds of thousands of dollars at stake - though not necessarily - it does no good where the amount in dispute is under $20,000.

The benefit, for the other party, from investigating each and every issue, of taking each and every point, is so that any commerciality is quickly taken out of the process - the client becomes frustrated and concerned over the costs of arguing with an imbecile.

I don’t follow protocol and I try and cut to the chase to save time and aggro in the negotiations.

As I said, this gets frustrating and tends to give lawyers opposing me the view that I don’t know what I’m doing. My view is that in the preliminary stages of any dispute, the parties need to keep the costs to an absolute minimum so that the legal costs don’t become the impediment to the matter settling. Of course, we have to ensure our client has a viable case and that we understand the matter, though we should not burn too much time on the investigation. If we can cut to the heart of the matter and sort out the real issues, a solution can be reached that means all parties walk away neither winning or losing, but with ‘having an outcome they can live with‘. If the matter has gone to litigation and there are genuine issues, then both parties have to negotiate realistically.

Sometimes your client has had a genuine grief, but their own actions have jeopardised the issues and complicated the outcome - often leading to the aggro between the parties.

So when we commence proceedings, we will usually have enough so that the other side can have confidence they understand the case against them, but not too much so that you burn a lot of time getting the pleadings (the claim) perfect. This will be enough so that the other side can file a defence, and the matter listed for mandatory mediation. In my experience 90% of matters will settle at mediation, meaning that the time and costs to get the documents 100% correct is wasted. If the matter does not settle, it is set down for haring and the client can decide if they want to invest the money in going to hearing. If the matter can’t settle in the preliminaries, then of course pleadings may need to be amended

to properly reflect the matters at hand and to fully bring the clients position to the front - and in that process make clear that I really do know what I am doing and that they have a real fight on their hands.

What frustrates me is lawyers that don’t have a genuine position, or worse, their only position is a technicality that if they just came clean about could resolve the issue - as they are required to do under the lawyers rules. A lot of lawyers get to this point and realise that the creditor is not bluffing, and they are in the position where they may have told their client that they can get the creditor to settle, and have to back down and advise their client to pay. Fortunately at that point a lot of the costs have been saved because we have not invested in the pleadings and preparations, and the client does not need to try and recoup significant costs on top of the debt.

So if you have something that should be relatively simple, but the other side seem to be making unnecessarily complicated, maybe we can assist? Feel free to call and discuss - we don’t charge for a brief discussion and preliminary view.

We also do debt recovery, insolvency, conveyancing, Wills and Probate.

DEAN BOSMAN Legal Practitioner www.mercantilelegal.com.au dean.bosman@mercantilelegal.com.au

0422 114 300

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Top Tips on Finding the Right Bookkeeper BOOKKEEPER

By Neha Nayyar

Are you one of the many business owner’s who has not been able to find that super star bookkeeper? The idea of finding a good, reliable bookkeeper can be an overwhelming task if you don’t know what to look for.

Here are are top tips to help you find the right bookkeeper for your business: 1. Look for qualifications in bookkeeping or accounting Oftentimes we recommend business owner’s hire accountants as their bookkeepers. Many people identify bookkeepers and accountants as separate roles to perform separate functions, however there can be many benefits to hiring an accountant as your bookkeeper. An accountant can help you identify opportunities by seeing the bigger picture in real time, not just at tax time.

2. Hire a registered BAS agent Hiring a bookkeeper who is also a registered BAS agent will save you so much time and money when it comes to submitting your monthly,

quarterly or annual BAS. A BAS agent will be more experienced and knowledgeable when reconciling your accounts and managing your books, reducing the chance of error and ensuring that BAS time runs smoothly and efficiently. BAS agent is qualified in ensuring you are not under or over claiming your GST, basically keeps you out of trouble.

3. Look for experience - Qualification combined with some solid experience will make you confident with your Bookkeeper. If they are looking after 100s of clients chances are they have huge experience with a wide range of clients and you will be looked after.

4. Additional services eg. System advisory, Management consulting - Does your bookkeeper offer additional services? A multifaceted bookkeeper has the ability to review your business from multiple angles and offer assistance and advice where it may have otherwise been overlooked. Investing in a bookkeeper who offers multiple services will prevent you from spending time and money finding and hiring someone in the future.

5. Trustworthy and Ethical - Trust and Ethics are the most important qualities you are looking for. A Bookkeeper who is ethical, competent, switched on is what you want. Look for reviews, read testimonials, meet with them before you sign a contract, these are all things you can do to help you understand who you are hiring.

Here at Sum and Substance we are passionate about helping businesses resolve their bookkeeping issues.

Please contact us if you would like any assistance managing your books. We can be reached at (03) 9424 9447 or info@sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper | Sum and Subtance 0401 409 573 MARCH 2021 | FIND MANNINGHAM

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What type of Coffee are you Drinking?

COMMERCIAL COFFEE MACHINE

By Ivana Smith

Melbournians sure love their coffee!

Business deals are done over a couple of flat whites, mums socialise with a cappuccino or two, friends catch up with café lattes.

Whatever your favourite place to meet or coffee brew to drink, have you ever wondered what it is you’re actually drinking?

Ethiopia’s best gift to the world The original coffee beans were taken by Arabian merchants from the mountains of Ethiopia across the Red Sea to Mecca where it spread across the trade routes of the known world, eventually arriving in Melbourne centuries later.

There are three types of coffee beans.

Liberica (Caffea liberica) is the rarest form of coffee, coming from west Africa. Found also in Malaysia and The Philippines, it is a low-yield type of coffee compared to Arabica (Coffea arabica) and Robusta (Caffea canephora), the last two being the most popular in Australia.

The different varieties take on different flavours while they are being processed and harvested. Robusta contains 2.5% more caffeine than other types, and has a strong taste, hence its name. Arabica, with low caffeine and a smoother taste, is aromatic and delicious. Eighty per cent of the coffee in the world is produced from these types of beans.

While Arabica has become synonymous with high-quality, delicious coffee, highquality Robusta beans can make strong, sharp espressos with a fantastic crema.

However, keep in mind that Robusta is far more bitter and contains more caffeine.

Country of origin Many factors, such as temperature, height and where they are grown, affect the flavour of the coffee beans.

Brazil (Arabica): One of the top coffeeproducing countries, Brazil produces over 2,594,100 tons of coffee a year. Brazilian coffee is so flavoursome due to the wide production The coffee produced in Brazil is often preferred because it has low acidity.

Vietnam (Robusta): In Vietnam, people prefer the strong taste of Robusta coffee

beans. Vietnam is the world’s secondlargest coffee exporter in the world.

Colombia (Arabica): Colombia, which claims a fair share of coffee production with 810,000,000 kg per year, is just behind Brazil in terms of taste with its Arabica coffee bean. Two of the delicious coffee varieties of Colombian coffee are Extra and Supremo.

Indonesia (Robusta, Arabica): Although the quality and taste is weaker in comparison to Brazilian and Colombian coffees, Indonesia produces 660,000,000 kg of coffee per year.

Ethiopia (Arabica): Coffee culture in Ethiopia dates back to the ninth century.

According to folk tales, goats eating coffee beans in ancient times were observed by the dervishes who boiled the juice of the fruit the goats ate and drank it – and loved the effect! Ethiopia, which produces 384,000,000 kg of coffee per year, has prized coffee trees that yield delicious coffee.

India (Arabica, Robusta): Arabica and Robusta coffee beans are grown abundantly in the south region of the country and are known for their soft taste and high levels of acidity.

Papua New Guinea: Nearest to home, Papua New Guinea’s biggest export is coffee, employing around two and half million people. Produced mainly by small farmers who grow as few as twenty mild Arabica trees alongside subsistence crops per plot, the coffee is mostly certified as organic.

Other countries that produce coffee for export include Honduras, Mexico, Guatemala, Peru, Nicaragua and China.

Getting that great flavour Before brewing, coffee beans must first be roasted. The original coffee was roasted slowly for eight hours and drunk warm. Nowadays, we like our coffee hot, and have many different types of coffee to choose from. Different roasts create different results in colour, taste and smell.

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Light: light-coloured, more acidic tasting, more flavour from the bean, suitable for coffee with unique characteristics or of exceptional quality Medium: less acidity, more toasted flavour, darker in colour, the most typical roast Dark: darker colour, intense flavour, low acidity, bitterer, good for lower quality beans.

Blends can also be made combining two or more different roasts. Depending on the type of bean used and roasts combined, this can make for a unique flavour.

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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Untangling Tongue Ties: Part 1 LACTATION CONSULTANT

By Dr. Joanna Strybosh

Ankyloglossia, commonly known as tongue tie, is the name given to the condition where the tongue is tethered (or “tied) to the floor of the mouth by an abnormally short, thick or restrictive frenulum. The frenulum is the thin piece of connective tissue that is found in the midline under the tongue. When considered alongside other tied oral tissue, such as upper lip ties and buccal ties, they are commonly grouped together under the term “tethered oral tissues” (or TOTs).

Ankyloglossia has become a topic of much clinical and public discussion, the subject of new research and indeed the cause of considerable contention over the past 20 plus years as breastfeeding rates have been steadily increasing and more tongue ties are being diagnosed and treated.

Is important to understand that not all oral frenula are restrictive. The visible presence of a frenulum does not necessarily mean there will be a diagnosis of tongue tie. It is vital when thinking about oral frenulum and assessing for tongue tie, that we

understand this is a functional diagnosis.

That means the professional assessing the tongue must understand how it should normally function, in order to be able to accurately recognise when it is not. In effect, tongue tie is a diagnosis of dynamic dysfunction, not a diagnosis of observation only. This is why it cannot be diagnosed from a photograph.

In medieval times up and through the early 1900s, tongue-ties were released routinely by either a midwife with a sharpened fingernail, or a surgeon using instruments. In fact, the instruments necessary to clip a tongue-tie appeared in circumcision trays because both procedures were commonly performed before a newborn was sent home from hospital.

In the post-war ear of the 1950s, the culture in the United States and Australia changed with the introduction of baby formula and rates of breastfeeding fell dramatically. By the 1960s and 1970s, ankyloglossia was considered to be an outdated topic, and many pediatricians denied that tongue-tie existed or that it caused a problem with feeding in newborns. The natural childbirth movement in the 1970s brought renewed

interest in breastfeeding as a first choice for infants, and with this change came increasing recognition of tongue-tie as a potential road block to successful breastfeeding. A few case reports and observational studies appeared, proposing a link between ankyloglossia and breastfeeding difficulty.

In the years since then, ankyloglossia has become a controversial topic in medicine, with many strong opinions held by a diverse group of health professionals, including pediatricians, neonatologists, feeding and speech therapists, lactation consultants, dentists, and ENTs. Stay tuned for part 2 in next month’s edition.

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

Lactation Consultant www.childrensoteopathiccentre.com 9876 3011 MARCH 2021 | FIND MANNINGHAM

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Green Housing Around the World ARCHITECT

By Kathy Ismail

When we think of housing in Australia, many can immediately picture the cream brick veneer home of the 1950s that their parents might still live in in.

Others may imagine an Edwardian inner suburban villa, the ‘mission brown’ brick 1970s apartment or a more funky, repurposed warehouse.

Nowadays, there is a growing global trend on ‘green’ construction. This means so much more than sticking a few solar panels on your roof! What happens in countries with much larger populations than Australia?

We asked two experts: Amit Dongre, an architect from India; and Ar Izzny Ismail, Senior Lecturer at MARA University of Technology, Perak Campus and Principal of Izzny Ismail Architect Malaysia.

India India has a variety of rich architecture styles, from Indo-Saracenic and Islamic to British Raj bungalows. These can be attributed to different foreign rulers at different periods of history. After independence in 1947, India saw rapid industrialisation and growth throughout the construction industry. Among many other challenges, India has one of the largest populations with housing needs, in climatic conditions ranging from the tropics to deserts and snowbound mountains. Concrete-framed construction has come out as the versatile winner that caters the best to such varied needs. A typical house or a low-rise development usually has concrete footings and brick walls with cement plaster. Prefabricated materials

engineered products and material. The limitation of using timber products by the local building development was due to the high cost, its poor durabilityand restrictive building codes, and was only famous for structural purposes. An aggressive promotion of encouraging timber products that have potential as construction materials is currently creating awareness among the industry players. Another factor that can alleviate concern over the use of timber products is to revise the building by-laws on the fire ratings of buildings that have not been reviewed for some time and are seen to be outdated. Thus, the effort to make timber as preferred choice will be a long-term attempt to gain back a positive outlook and support ‘green’ building initiatives.

and technologies are also on the rise to meet the timeline challenges in any particular project, along with keeping quality under control.

In the recent past, the Indian government brought sustainability to the forefront and ‘green’ buildings are now promoted in commercial developments. The National Building Code, which regulates the building construction sector in India, places emphasis on innovative materials and construction technologies for future sustainable development. We hope to see more of the ‘green buildings’ with eco-friendly construction materials and innovative construction technologies, with a much needed, reduced impact on the environment.

Malaysia Malaysia has moved forward to commit to green building initiatives that relate to an economy based on Sustainable Development Goals (SDG). Extensive effort to embrace these building and energy-related policies has been developed since 2012 up until today by the Public Works Department (PWD) on the PWD Green Rating Scheme (JKR Malaysia), and the Construction Industry Development Board (CIDB) on the Green PASS (Green Performance Assessment System in Construction).

It was found that the local industry was already, unsurprisingly, dominated by non-environmentally friendly materials being used in building construction. The materials used were mainly steel and reinforced concrete, followed by glass, metal cladding and timber.

Timber in building construction was a building material of the past that people moved away from in favour of

Australia Launched by Green Building Council of Australia (GBCA) in 2003, Green Star is Australia’s largest voluntary and truly holistic sustainability rating system for buildings. It encourages the construction industry to create buildings that are not just ‘green’ but are healthy, liveable, productive, resilient and sustainable. The focus is on initiatives that reduce water consumption, use low-impact materials, minimise the carbon footprint, enhance air quality, thermal and acoustic comfort, reduces greenhouse gases…and many more.

On a smaller scale, new housing developments all across Australia are required to satisfy a minimum level of comfort, satisfying local Green Star codes. On the other end of the scale, established building systems from Europe, new technologies and knowledge, such as the Passive House movement, are making a positive impact in Australia.

Contact KIR Architecture at contact@ kirarchitecture.com.au for help with planning your ‘green’ building projects.

We are always happy to answer any inquiries.

Kathy Ismail ARCHITECT KiR Architecture www.kirarchitecture.com 0422 026 962

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Professional Indemnity Vs Medical Malpractice Insurance

GENERAL INSURANCE

By Craig Anderson

Imagine you are in a new suburb and you ring a new medical clinic, and they allocate you a doctor. If something goes wrong during treatment or diagnosis, where does the claim fall? Will it be the clinic, the doctor, or both, and where does the insurer stand on this?

In regards to the insurance, there are distinct differences between Professional Indemnity cover, and Medical Malpractice cover. A standard Professional Indemnity (PI) policy, is intended to indemnify the insured against third party financial losses incurred when the insured has, by error or omission, failed to provide a professional service.

Some PI policies are not intended to cover physical loss or damage, as there is a full exclusion for bodily injury and property damage, and this is where main difference lies.

A Medical Malpractice policy protects the insured against the same main elements included in the PI policy, and in addition covers errors related to physical treatment as well as the related advice.

As the clinic or centre may be drawn into a vicarious liability claim created

by an error made by one of the medical professionals, it makes sense that the clinics policy should have the same treatment cover. In other words, a poorly chosen policy may expose the clinic to losses for which they are not insured, while at the same time the clinician may be fully covered.

I will remind everyone that the Medical Malpractice policy and PI Policies will not cover your own first party losses experienced as a result of Cyber Hacking, email privacy breaches, Ransomware, Crypto Locking, Phishing, Phreaking, Social Engineering Fraud, and a host of other breaches resulting in the loss of personal medical information and other identifying information belonging to patients and clients. We might save that as a Cyber article for another time.

In short, the people and organisations who may benefit from Medical Malpractice cover may include: Alternative and Natural Medicine practitioners, Private hospitals, Day Surgeries and Medical Centres, Diagnostic screening including

Pathology and Radiology Clinics, Aged Care Facilities, Registered health practitioners, and NDIS Service Providers.

If you are interested in a review of your cover, please contact us from 9-5 weekdays.

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 MARCH 2021 | FIND MANNINGHAM

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What writing a book will do for your business ACCREDITED EDITOR

By Susan Pierotti

Many thought leaders advocate writing a business book as an essential part of your marketing toolkit. But I can assure you from personal experience that writing and publishing your own book will change your business for the better.

My book, Manuscript to Market: the lifecycle of getting your book into print, was published in 2017 and I have used it as a core product of marketing my business ever since. Besides the income stream from selling my book, there have been several other intangible benefits for me and my business, benefits that will also be yours when you choose to write a business book.

Makes you look clever I am not the first person to write about the writing, publishing and marketing aspects of getting a book into print. I did not even have all the information when I began, nor even when I finished writing it, and there are others in my industry who know so much more than I do.

Nevertheless, when I say I have written a book, people say to me, ‘Gee, you must be clever.’ Why? Somehow, being a published author equates in people’s minds with being intelligent!

The good news is that you don’t have to be intelligent, you don’t have to know everything, you don’t even have to have good spelling and grammar! All you need is the willingness to write, to accept constructive advice and to keep at it.

When people say that I’m clever, what they really are referring to is that I worked hard at producing something others chose not to invest time and money in doing.

Makes you the expert Many of my clients are first-time authors who wanted to self-publish so I deliberately self-published my book so that I could describe every aspect of the process. People trust you more if you have ‘been there and done that’ before them.

I always carry a copy of my book with me. When I sit with a client who wants to know how to do this or that, I bring the book out as a reference tool. It shows that I know what I’m talking about. Theysee it, want to buy it and read about how book publishing works. They usually hire me as a result.

Increases your professional profile There are accountants aplenty. However, how would you feel about your accountant if you walked into his or her office and saw on the reception desk a copy of the book they’d just written on tax law? Their reputation would certainly increase in your estimation. You might not even buy a copy or read it but you’d probably trust them more and even refer them to others.

Now imagine what that could do for your business. After writing and publishing your book, all you need do is display it prominently for it to market you – without you lifting a finger. They make great Christmas presents and can be added to trade show bags or given to clients for free as part of your initial consultation process. As a book can travel anywhere, dream of how widely you could market yourself!

Expands your business A business book will position you as the expert and therefore act as a lead funnel for you. However, there are several indirect ways that a book can promote your business.

The chapters and sections from your book could become education workshops, a new income stream that convert one-off sales into core business. You could use them as a basis for newsletter items and blogs.

Journalists are always looking for news items for your local radio station or newspaper so ask them to interview you about your book. What a great way to get free advertising for your book and get it known to your local public!

Always have a copy of your book on display and with you at all times, even on holidays. It arouses curiosity and elicits comments. A business book is a business card on steroids.

Susan Pierotti at Creative Text Solutions partners with first-time authors to get from an idea in the head to a book in the hand. Contact her to discuss your business book idea.

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

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Job ads point to solid employment growth

By Colin Brinsden, AAP Economics and Business Correspondents

(Australian Associated Press)

This week’s national accounts are gearing up to show another solid economic growth result at the tail end of 2020, as new figures point to further employment gains in coming months.

Job advertising surged 7.2 per cent in February, following an upwardly revised 2.6 per cent increase in January.

It lifted the annual rate of the ANZ job ads series to 13.4 per cent, the highest level since 2018.

“The ongoing strength in ANZ job ads gives us confidence that we’ll see solid net employment gains continue over February and March at least, and that the impact of the end of JobKeeper in March will be mitigated to some extent,” ANZ senior economist Catherine Birch said.

Treasurer Josh Frydenberg is committed to ending the JobKeeper wage subsidy in March as planned, but has said other

support measures are being considered for industries still in need, such as aviation. However, the gradual winding back of the JobKeeper wage subsidy saw company profits drop by 6.6 per cent in the December quarter, but they were still 15.1 per cent up on the year.

While weaker than forecasts, the Australian Bureau of Statistics data also showed the company wage bill rose by a solid 1.4 per cent, while business inventories – stock on shelves and in warehouses – are expected to contribute to Wednesday’s economic growth result in the national accounts.

At this stage, economists are forecasting that the economy grew by around 2.5 per cent in the December quarter, although they will finalise their expectations after Tuesday’s international trade and government spending figures.

This builds on the huge 3.3 per cent rebound in the previous three months after collapsing seven per cent in the June quarter as a result of the COVID-19 pandemic, which marked the first recession since the early 1990s.

Even so, the Reserve Bank is widely expected to leave the cash rate and other key measures unchanged at a record low 0.1 per cent when its board meets on Tuesday.

Manufacturers are enjoying their strongest performance in three years, buoyed by the solid economic recovery from last year’s recession.

The Australian Industry Group performance of manufacturing index grew a further 3.5 points in February to 58.8, its strongest expansion since March 2018.

Ai Group chief executive Innes Willox said manufacturers lifted production and employment in February as sales recovered a large share of the ground lost in 2020.

“Manufacturers are generally positive about the outlook for the next few months with new orders coming in at a greater pace as restrictions on activity and cross-border travel are hopefully wound back,” he said..

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Emergency Garage Door Assistance, 24/7 GARAGE DOORS

By Chantal Djuric

The first few months of the year can be one of the busiest times for families.

After relaxing throughout the summer holidays, we come home to a whirlwind of things that need to be done. As parents, we often don’t have much time or headspace to think of supplying our kids for school with all the stuff they need, to stock up on groceries and clean the house, let alone get our own minds into gear for returning to work. Then there’s the school timetable, sporting events and other activities to deal with.

BEFORE

At times like these, we rely on the car to get us where we need to be, so we have our cars serviced. But there’s another feature we all possess that also needs regular maintenance. A feature which no car, serviced or otherwise, can’t do without – our garage doors.

There are many people who arrive home after the holidays but leave just one day to stock up on groceries and buy all that school stuff for the kids before going to work the next day. Imagine if that were you – how would you feel if, after parking the car in the garage overnight, the garage door won’t open the next morning. Angry? Frustrated? Desperate?

You’d possibly be stuck with no means of getting your kids their school uniforms, with not enough food in the house for the next week and a long journey on unreliable public transport to get to where you work.

There are a number of factors as to why a garage door won’t go up. It could have been installed incorrectly. It might need a new motor or simply need a bit of lubrication. But how do you know what’s wrong? How can you fix it? Can anyone fix it?

Did you know that you can ring for 24-hour emergency repairs for garage doors? All garage door repairers should be able to identify your garage door problem within thirty minutes of being on site. The repair technician should be able to assess how long it will take to repair, how long it will take to supply replacement parts and, if relevant, explain how to prevent the problem for arising again.

This real-life scenario happened to one of our customers. Why not put yourself in their place and consider how it would

AFTER affect you. The customer was on his way out as his family were going away for the weekend. As he opened up their panel lift garage door, the panels started falling apart and the whole door was coming out of the tracks. Not only that but parts from the panel lift door flew in all directions.

When we arrived, we accessed the state of the garage door. The reason for this door breaking was that the plaster on the roof had collapsed and was falling on the panel lift door. Over time, this had compromised the panel lift door.

We first made sure the panel lift door was not going to make any more damage and we were all safe from any flying panel lift parts. We then found all the parts of the damaged door and started assembling it all together. Even though the customer was worried he would not

be able to close the door for security reasons as they were going away, the main concern at this stage was to make the door safe by putting all the parts back and giving it some tender loving care.

In this case, due to the damage sustained, a new door will be needed but we were able to reassure the customer that his garage and home would be safe while his family were away by making the garage door able to be closed and lockable for the customer.

The before and after photos show you how superior garage door servicing can save you time and hassle.

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

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Did you know the most cost-effective way to advertise is with vehicle signs?

SIGNAGES

By Glenn Martin

From a single vehicle to an entire fleet, vehicle signs are an extremely costeffective way to be seen. With a oneoff investment lasting up to five years, it makes sense to turn your vehicle into a mobile billboard, spreading your message 24/7. A vinyl car wrap not only gives your vehicle a unique look, it also protects your factory paint job, ensuring that your vehicle stays as pristine as the day you bought it.

Decals and spot graphics are a great option when you do not need a full vehicle wrap. Apply logos, lettering, images and elements individually onto the surface of your vehicle. Since spot graphics tend to focus on a small area of the vehicle, they are easier to clean and maintain. The cost of Spot Graphics depends on the scale and complexity of the job.

A partial wrap or ¾ wrap covers part of the paintwork and generally excludes the bonnet. The two most common methods in this category include using digitally printed vinyl graphics or spot graphics, which can be a combination of digitally printed die cut graphic and computer cut solid colour vinyl graphics.

Although it is most common to see a partial wrap done for a vehicle, we can also do partial wraps for buses, caravans food trailers and trucks.

A full car wrap covers all paintwork with digitally printed vinyl graphics, excluding the roof. We can do a full wrap on vehicles, buses and trucks. Also, within this category is a full colour change, where we use high quality solid colour vinyl. This can be used on its own, or with complementary advertising graphics.

This second layer is applied to the surface of the coloured vinyl, using digitally printed die cut graphics or computer cut vinyl graphics.

Basic Spot Graphic

Partial Wrap

3/4 Wrap

Full Wrap

inside of your vehicle, while anyone viewing from the outside will see your window graphics. We digitally print your design in full colour, then apply an optically-clear over laminate to protect your graphics from UV, water, dust, marks and scratches.

How Does One Way Vision Work? The human eye tends to notice brighter colours over darker colours. The printed one way vision film contains areas of printed graphic (a print pattern) as well as unprinted see-through areas covering up to 50% of the film. The holes, where there is no film, have no ink and therefore are generally darker, almost black. When someone during the day looks at the rear window from the outside, their eye is drawn to the printed image, as it reflects more light than the see-through areas.

which looks like it is on a solid piece of vinyl. However, when viewed from the inside, a person will see the outside world through the holes. The secret here is ensuring the printed graphics are hidden from the other side of the glass. This is best achieved by having a black ‘backing’ that covers only the printed areas on the film, without blocking the unprinted areas.

If your business is looking for ways to grow your reach, we would love the opportunity to discuss vehicle graphic options that may have an impact on your business growth in 2021. Contact us 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.

Go to https://signarama.com.au/store/mitcham to enter.

One-Way Vision Window Vinyl One Way Vision is an innovative window graphic made from perforated self-adhesive vinyl film. It is great for completing a full or partial vehicle wrap design onto windows. The tiny perforated (punched) holes allow visibility from the

MARCH 2021 | FIND MANNINGHAM

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FIND MANNINGHAM | MARCH 2021

findmannigham.com.au

When walking through bushland reserves, how do I know what vegetation matters?

NATURE & CONSERVATION

By Liz Sanzaro

Without specialised training, it is simply not possible to distinguish between areas of high conservation value from less valuable vegetation. Since many native species die back to a tuber over summer an area which may look like grass, weeds or even bare ground may have very high value, whereas an area of spectacularly flowering environmental weeds looks impressive, like Agapanthus or Wonga Vine both are serious issues for bushland reserves. If you happen to grow Agapanthus, after flowering it is best to remove the seed heads completely, since this plant keeps spreading and competes against our very fragile wildflowers.

Pandorea pandorana Wong vine

Agapanthus africanus Agapanthus or African lily

Wildflower seeding often happens in loose soil next to paths, where tiny seedlings of rare species (including orchids) germinate and grow.

reserves is protected by law, under the Planning and Environment Act 1987. Hefty penalties can result from infringing these laws. It is therefore, a very good reason not to tread or flatten or ride on the ground other than on the obvious goat tracks better still in single-file, so as not to encroach on the native bushland. Take time to stop and look for our tiny flowers, from late Spring into early summer.

Since those without specialised training cannot distinguish between high and low conservation areas, it is very important not to dig in bushland reserves for any reason. All native vegetation on Council

MORE WILDFLOWERS

Burchardia umbellata

Milkmaids

Pultenaea scabra Rough Bush-pea

Billardiera scandens Common Apple-berry

findmanningham.com.au

MARCH 2021 | FIND MANNINGHAM

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Australia wants US back in TPP Agreement

By Colin Brinsden, AAP Economics and Business Correspondents

(Australian Associated Press)

Australia wants the US back in the TransPacific Partnership as soon as possible under President Joe Biden to maximise the benefits of the trade agreement.

While the US was an original member of the then 12-country agreement, former president Donald Trump withdrew soon after his election.

“Ultimately, what we want to do is encourage the US to deepen its economic engagement in the region by the joining the Trans-Pacific Partnership,” Australia’s ambassador to the US Arthur Sinodinos told an online conference on Wednesday.

“At the moment the Trans-Pacific Partnership is a bit like Hamlet without the prince.”

The former Liberal senator says US needs to be there to maximise benefits of the agreement and strategic benefits of the US being in region.

the the the the

Along with Australia, the TPP is made up of Brunei, Canada, Chile, Japan, Malaysia, Mexico, New Zealand, Peru, Singapore and Vietnam Australia also wants the US to help reform the World Trade Organisation with other like-minded countries to encourage China, in particular, to co-operate within the existing rules-based order. “… rather than somehow seek to change the order in their own favour,” Mr Sinodinos

told the Committee for Economic Development of Australia economic and political outlook 2021 conference.

The ambassador was asked whether Prime Minister Scott Morrison has been invited.

One of President Biden’s first actions was to rejoin the Paris Agreement on climate change and to confirm a zero emissions target by 2050.

“Look, we haven’t see the invite list as yet.

But if you want to influence countries to do something, you invite them to come,” he said.

Asked if this will put additional pressure on Australia to follow suit, Mr Sinodinos said there was no doubt this would be taken into account when forming domestic policy.

He said Australia already had a good relationship with the US, founded on deep historical ties, common heritage, trade investment relationships and shared values and interest.

But he says the Australian government is arguing that targets are one thing, getting there is another.

“We did well under the previous administration compared to many other countries but there is plenty of scope to deepen bilateral engagement and encourage the commitment to the IndoPacific,” Mr Sinodinos said.

President Biden is due to hold a climate leaders’ summit on April 22.

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

Manningham editor@findmanningham.com.au

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FIND MANNINGHAM | MARCH 2021

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Book now

Books for Beds - Fundraiser

Come on down to Your Library’s giant book sale and help raise funds for ‘Backpack Bed for Homeless’!

National charity Backpack Bed for Homeless provides LIFE SAVING Backpack Beds and Fire Retardant Sleeping Bags to street sleeping homeless without shelter.

Pick up a mystery box of pre-loved books for $5. You can choose from Adult Fiction, Non-Fiction or Junior items. Two lucky boxes will contain a mystery prize!

Boxes are available to purchase on Thursday 11 and Friday 12 March, 9am-5pm or until sold out. CASH ONLY! Head to rear of Eastern Regional Libraries Administration 1350 Ferntree Gully Rd, Scoresby (enter via Keith Campbell Court) Parking available on site.Tax deductible donations will be gratefully accepted on our fundraising page.

Relax and unwind

Meditation for Balance - Tues 9 & 16 March, 6:30pm | Realm Library Love, Peace, Harmony Meditation - Every Thursday, 10:30am | Belgrave Library Join us at the library and find your way back to inner peace and wellbeing.

Booking essential as places are limited due to COVID-19 restrictions

Book now

findmanningham.com.au

MARCH 2021 | FIND MANNINGHAM

Current services

27

Learn more

With restrictions easing, we are able to have many more people in the libraries. Please continue to scan or log in for contact tracing. Face masks are recommended and must be worn in situations when you cannot maintain social distance – 1.5 meters Click+ Collect and Home Delivery Service are still available. Our website always has the current information - please check Current Services for any changes.

Choosing a Creative Life

More storytimes at your library!

Celebrate International Women’s Day 2021

Enjoy more Tiny Tots, Toddlers, Preschoolers, and Family storytimes from 1 March!

Tuesday, 9 March 2pm - 4pm Meet four extraordinary women artists whose pursuit of a creative life has been beautifully captured by filmmaker Jamie Saxe.

Dindy Vaughan - Composer, Maria Millers - Writer and Editor, Lee Goller - Visual Artist, and Sylvia Jukes - Visual Artist have put artistic expression at the centre of their lives over many decades.

Join us via Zoom to find out more abouv them and their work.

This event will be a mixture of film and live chat. Bookings essential!

In keeping with current government restrictions, the following conditions will apply to our Storytime sessions: • • • • • • •

Bookings are essential for every adult and child over 12 months Numbers are limited Social distancing will be observed Sessions will run for 20 minutes and include stories and rhymes and a take-home craft activity Bookings open 3 days before the session Masks are recommended for all Library visitors over the age of 12 Conditions of entry to the library must be observed

We can’t wait to see you at storytime!

Book now

Book now

MARCH 2021 | FIND MANNINGHAM

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2020 TA Small Business Entity Threshold to Increase Many more businesses will be eligible to access income tax concessions with the passing of legislation which extends thresholds currently reserved for small businesses. These concessions include: •

immediate deduction of certain start-up and prepaid expenses

•

exemption from FBT for car parking and work-related portable devices provided to employees

•

access to simplified trading stock rules

•

access to PAYG instalments based on GDP-adjusted notional tax

•

settle excise and excise-equivalent customs duties monthly, and

•

businesses will have a two-year amendment period to apply to income tax assessments for income

Passed (9-Oct-2020)

years starting from 1 July 2021, excluding entities that have significant international tax dealings or

Royal Assent (14-Oct-2020)

particularly complex affairs.

Date of effect

Announcement (6-Oct-2020) Consultation Introduced (7-Oct-2020)

A business will be eligible to access these concessions if their aggregated turnover is less than $50 million. Mostly, the change in aggregated turnover threshold will take place from 1 July 2021, with different dates to line up with the FBT year. Also, the eligible entity can access the simplified accounting method determination for GST purposes from 1 July 2021.

WA COVID-19 Stimulus Package A range of stimulus measures are being implemented in Western Australia to assist business with cash flow issues resulting from COVID-19. In particular, certain businesses in WA will receive grants, while others will be allowed a waiver of payroll tax for four months. A payroll tax exemption has been extended for new apprentices and trainees in the 2020-21 income year. Also, the future uplift of payroll tax thresholds

Announcement: 17-Mar-2020 Updated: 23-Dec-2020

will be brought forward to assist some businesses with their future obligations.

ACT COVID-19 Stimulus Package Starting in March 2020, the ACT government has announced a series of measures which provide waivers or deferrals of payroll tax. These waivers and deferrals are an attempt to combat the economic fallout from the COVID-19 pandemic. Waivers of ACT payroll tax are available for businesses in hospitality, creative arts and entertainment industries. Deferrals are available for other small and medium-sized

Announcement: 22-Mar-2020 Updated: 23-Dec-2020

businesses. Initially lasting 6 months, some of these assistance measures have been extended into 2021.

FBT Exemption for Retraining and Reskilling Proposed An employer may receive a future exemption from fringe benefits tax when providing employees with retraining or reskilling opportunities. This 2020 federal budget announcement will take affect from 2 October 2020, subject to the passing of legislation. The government has also released a consultation

Announcement (6-Oct-2020) Consultation (22-Jan-2021) Introduced

paper with respect to possible changes to the self-education deduction section for individual taxpayers.

Passed

These measures may provide a tax incentive for employees to change careers, in particular if they are

Royal Assent

about to be made redundant.

Date of effect

Reviewing Denied Jobkeeper or Cash Flow Boost Receipts A recent report into the ATO’s administration of JobKeeper and Cash Flow Boost payments has uncovered situations where the ATO has incorrectly denied entities access to the stimulus payments. Some new

Announcement (18-Jan-2021)

businesses were informed that they were ineligible due to not having informed the ATO of any taxable

Updated (20-Jan-2021)

supplies prior to the commencement date of 12 March 2020. However, the report acknowledges that this

Consultation

was misinterpreted by the ATO. In particular, the modified definition of taxable supply to include financial supplies. However, the report also acknowledges that the ATO will not be chasing up businesses who may have been incorrectly determined to be ineligible. Any affected clients of yours will need to go through the objection process, which can be extended if there is a likelihood of success.

Introduced Passed Royal Assent Date of effect

AX UPDATES Victoria COVID-19 Package for States 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

Announcement (20-Mar-2020)

form of reductions, refunds and deferrals of these state taxes. However, not all assistance is applied

Updated (3-Feb-2021)

automatically and requires direct application with the State Revenue Office. Most recently, a 12-month

Consultation

deferral of payroll tax applies to businesses with Victorian taxable wages under $10 million. Also, land tax relief has been extended into 2021 for landlords who provide qualifying rental reductions to their tenants. The impact statement and letters provide more detailed information for you to correspond with

Introduced Passed Royal Assent Date of effect

your clients, to ensure they receive all the assistance they are entitled to.

Simplified Fuel Tax Credits - Reduced Record Keeping A new simplified method of calculating fuel tax credits has been released by the Australian Taxation Office. Provided an entity follows this simplified method in good faith, the Commissioner of Taxation will

Announcement (5-Feb-2021)

administer the law in accordance with this approach. To be eligible to use the simplified method, an

Consultation (5-Feb-2021)

entity’s fuel tax credit claim for an income year should be $10,000 or less. If using this new simplified method, an entity cannot use another simplified method for calculating fuel tax credits, such as auxiliary equipment usage. However, an entity may choose which method best suits them each tax period.

Released (5-Feb-2021) Passed Date of effect

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 2022. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities will have separate

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced (7-Oct-2020) Passed (9-Oct-2020)

eligibility criteria.Since the legislation has been enacted, further amendments will be made to the laws

Royal Assent (14-Oct-2020)

to allow businesses a choice in using full expensing or not. In certain situations, it may be beneficial to

Date of effect (6-Oct-2020)

spread out tax deductions over multiple years. The ATO has released a form for early balancers to lodge their full expensing claims for the 2020-21 income year.

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 2022. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities will have separate

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced (7-Oct-2020) Passed (9-Oct-2020)

eligibility criteria.Since the legislation has been enacted, further amendments will be made to the laws

Royal Assent (14-Oct-2020)

to allow businesses a choice in using full expensing or not. In certain situations, it may be beneficial to

Date of effect (6-Oct-2020)

spread out tax deductions over multiple years. The ATO has released a form for early balancers to lodge their full expensing claims for the 2020-21 income year.

Loss Carry-back Available for Companies For three income years, many corporate tax entities will be eligible to claim a refundable tax offset when they incur a taxable loss. This optional offset is available only to business and is a recoupment of prior year income tax paid, but only available for recent income years. The loss carry-back is available to businesses with turnover under $5 billion. Any refundable tax offset is limited to prior year tax paid

Announcement (6-Oct-2020) Consultation (6-Oct-2020) Introduced (7-Oct-2020) Passed (9-Oct-2020)

and the balance of the franking account. An ATO form is now available for companies who are early

Royal Assent (14-Oct-2020)

balancers under a substituted accounting period.

Date of effect (1-Jul-2021) MARCH 2021 | FIND MANNINGHAM

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Manningham Disability Advisory Committee members appointed Manningham Council is delighted to announce the appointment of 15 community members to its new Disability Advisory Committee.

The new committee will provide advice to Council on how to understand and respond to the needs of people with a lived experience of disability, and support the community to be accessible and inclusive for all Manningham residents.

Manningham Mayor, Cr Andrew Conlon said the new committee will have its first meeting next month and is part of Council’s commitment to supporting a more connected and inclusive community in Manningham.

“Council is committed to developing policies and initiatives through meaningful engagement with those with a lived experience of disability.

Their collective voice and feedback are essential to an accessible and inclusive Manningham for all,” Cr Conlon said.

The appointed community members will serve as members of the new advisory committee through to 2024.

The appointment follows an expression of interest process to include members with a diverse, lived experience of disability. It will capture individual perspectives including from those with mental health issues, those who are Deaf or Hard of Hearing, are blind or have low vision, have physical and intellectual disabilities, as well as those on the autism and ADHD spectrums.

Manningham Council is committed to an inclusive and accessible community for all residents including those with disability, their families and carers.

Membership criteria were developed to maximise authentic representation and provide a voice for the many perspectives in the community. For example, committee membership will be compromised of 75 per cent of people with lived experience of disability, and the remaining 25 per cent as carers of a person with disability.

The new Disability Advisory Committee supports the priority areas and actions contained in Manningham’s Council Plan 2017-2021 and Healthy City Strategy 2017-2021. These include: supporting an inclusive, diverse community; a community that values and embraces its diversity; and the delivery of a range of initiatives that increase the social and economic participation of residents living with disability.

For more information and to get in touch, phone 9840 9333 or email us at manningham@manningham.vic.gov.au.

Council funding to further support local business and sporting clubs impacted by COVID-19 Manningham Council has announced additional coronavirus (COVID-19) financial relief initiatives to support small business and community sport organisations.

A new dedicated $140,000 Business Grant program will provide support to local businesses to assist their financial recovery, while winter sporting clubs will be able to apply for rent and fee relief for the upcoming 2021 season.

Trader engagement with more than 600 local businesses has highlighted a need for increased cash flow and the ability to access additional funds. The new grant program will be available to Manningham based businesses to support a range of business operations such as e-commerce activities or promotional campaigns to attract customers.

The rent and fee relief for winter sporting clubs follows Council support during the

2020 sporting season, which included waived rent, fees and utility costs. Club eligibility will be in accordance with Council’s financial hardship criteria.

Manningham Mayor, Cr Andrew Conlon said these financial incentives will help to keep local business and winter sporting organisations afloat in these unprecedented times.

“Council is committed to help local business and sporting organisations make it through the impacts of coronavirus (COVID-19) and assist in their financial recovery.

“Our local businesses have been impacted by the pandemic and its various restrictions over the past 12 months. We are pleased to extend further support through a dedicated business grants program this year.

“We know many of our sporting clubs experienced financial hardship during the 2020 winter sports season and want

to continue to support these groups as they recover in 2021 and embark on this year’s season,” Cr Conlon said.

These initiatives are part of a suite of financial support Council has provided to the Manningham community. To date, Council has provided over $4.62 million in targeted COVID-19 financial relief through a range of initiatives to help our community.

Council endorsed the financial support relief initiatives at its Council meeting on Tuesday 23 February 2021. To view the livestream of this meeting, visit: m a n n i n g h a m .v i c .g ov.a u / c o u n c i l meeting-23-february-2021 Council has an interpreter service that can be reached on 9840 9355 for any resident that would like to call and arrange to speak to someone in their own language about any Manningham Council matter including these financial relief initiatives.

Council News MARCH 2021

New policy to support meaningful and inclusive engagement with Manningham community Manningham Council has this week endorsed its new Community Engagement Policy, which sets out the approach to best practice community engagement for the Manningham community.

The new policy sets out Council’s approach to hearing from the community on issues that they care about and impact them. It outlines the principles and methods that Council will use to undertake well-planned and inclusive community engagement that reduced barriers to community participation.

Council sought community feedback and input on its draft policy during December 2020 and January 2021.

Engagement focused on the changes to the new Local Government Act 2020 and the implications for community engagement. Feedback was also gathered on how to better engage our community and the best methods to do so.

Manningham Mayor, Cr Andrew Conlon said endorsing the Community

Engagement Policy is an important step for engagement and what it means in our community.

“Community engagement is critical to help us plan and understand what our community values. It provides an avenue for everyone to have their voice heard on decisions that impact or affect them.

“As a Council we are passionate about community engagement – we listen, we consult, we act and we report back to our community.

“This policy also sets out our approach to deliberative engagement, which requires participants to critically consider information, community needs and perspectives and weigh up competing demands to inform decision making.

“We look forward to implementing deliberative engagement with our new community panel. The panel, currently being formed, will start meeting during March and will help plan for our Council Plan, Community Vision, Asset Plan and Financial Plan,” Cr Conlon said.

Manningham Council endorsed the new policy at its Council meeting on Tuesday 23 February 2021. To view the livestream of this meeting, visit manningham.vic.gov. au/council-meeting-23-february-2021 – the discussion about the Community Policy starts roughly 56 minutes into the livestream.

If you would like to read the new Community Engagement Policy, please visit the Your Say Manningham website yo u r s a y. m a n n i n g h a m .v i c .g ov.a u / community-engagement-policy The Community Engagement Policy is aligned with Council’s current goals to develop ‘A connected and inclusive community and A Council that values citizens in all that we do.’

Council has an interpreter service that can be reached on 9840 9355 for any resident that would like to call and arrange to speak to someone in their own language about any Manningham Council matter including this policy.

In need of volunteers to deliver food to seniors The place that helps people in need, now needs some help of its own. Manningham Council’s Food Services, also known as Meals on Wheels, is seeking volunteers to help deliver meals to older people across our community.

Manningham Mayor Cr Andrew Conlon said the Food Services program enabled older people to remain in their own homes and maintain their independence, and volunteering was a great way to assist older residents by getting involved in the delivery program.

“In the last Aged Services Satisfaction Survey, respondents said the meals they received were varied and nutritious, and they looked forward to the days their meals were delivered,” he said.

“Many also thanked volunteers for their

option to deliver meals on their own or with another team member.

friendships and looked forward to the days they saw each other.”

Jacqui Tregear volunteered with the Food Services program for 10 years until she retired at the end of 2019.

“The experience is just as rewarding for us volunteers as well,” she said.

All volunteers will work under Manningham Council’s COVID Safe Plan to safeguard their safety and that of our older residents. All volunteers have the

Volunteers need to have a current drivers licence, a reliable and comprehensive insured vehicle and be available between 9.00am and 11.00am, either Monday, Wednesday or Friday on a weekly, fortnightly or monthly basis; or be part of an emergency pool.

Volunteers will also need to agree to a police check and will be provided with a $15 voucher at the end of each delivery run.

For more information and to get in touch, contact Coordinator Food Services Gaynor Florence on 9840 9384 or https:// www.manningham.vic.gov.au/foodservices

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Manningham

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FIND MANNINGHAM | MARCH 2021

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New life for Gooligulch: Council Plans Upgrades Gooligulch playspace, one of Victoria’s hidden treasures located in Wonga Park, is set to be restored to its former glory by Manningham Council.

Based on the Graeme Base book My Grandma Lived In Gooligulch, Gooligulch playspace is a fictional town and home to an adventurous grandma who rides kangaroos and befriends wombats and emus.

Manningham Council Mayor Andrew Conlon said Gooligulch is an iconic Australian themed children’s playspace which has attracted locals and travellers for decades.

“We recently engaged with the local community on the future of Gooligulch and there was a strong emphasis to preserve its distinctly Australian identity

as created by Graeme Base,” Cr Conlon said.

existing rockers and restore the clatter bridge and more.

“We’d like to hear from the community on our new plan, which we believe will breathe life into the friendly characters of Gooligulch and attract a new generation of children to the park.”

Council is also seeking community feedback on plans to upgrade the playspace at nearby Dudley Reserve in Wonga Park. These plans include new play equipment together with a new path, picnic table, and landscape improvements.

Plans to include the restoration and revamping of Grandma’s House with replaced slides, repainted goannas and emus and additional graphic art and sculptures.

“Council officers are working with Graeme Base and the original creative team to ensure continuity of the theme throughout Gooligulch,” Cr Conlon said.

Other plans include to refurbish swings, reinstate kangaroo artwork, replace

Residents and visitors are invited to comment and share their views by Friday 26 March on the planned works by visiting yoursay.manningham.vic.gov. au/wonga-park-play-spaces It is expected that the playspace upgrades will be completed by the end of this year.

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Manningham editor@findmanningham.com.au

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Jackson Court Discovery Walks

Explore the hidden corners of Jackson Court and the surrounding neighbourhood with friendly community walks.

Join us for four discovery walks starting and finishing at the Jackson Court Pop-Up Park. Each walk will take a different route and you’ll be asked to observe your surroundings and record what you see. Meet the local people and discover things about your local neighbourhood you may never have noticed before!

The walks will be easy and are suitable for adults and children aged 7 and above. They will take approximately 45 minutes each and are subject to weather conditions.

Click on the links below to register your attendance for each walk. hursday 18 March - 10.30am and 5.30pm (route 1 - Northeast).

Thursday 25 March 10.30am and 5.30pm (route 2 - Southeast) Thursday 1 April 10.30am and 5.30pm(route 3 – Southwest) Thursday 8 April

More News and Updates

10.30am and 5.30pm (route 4 - Northwest

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Health & Beauty Health care practitioners and specialists including GP’s, Chiropractors, Optometrists, Audiologists, Chemists, Acupuncturists, Masseuses, Beauty Therapists, Personal Trainers, and Food Coaches. Bulleen Plaza cares about your health and wellbeing.

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Giftwares & Homewares Giftware, variety, homeware and op shops. Online reviews boast quality, unique finds. Storage solutions, tobacco products, arts & crafts, wrapping, children’s toys, and more! Explore the fun today.

Play News

Fashion Outfits, alterations, high-end jewellery, comfortability, affordability, on-trend looks. Something stylish, thoughtful, generous, or simply you, enjoy the Bulleen Plaza shopping experience.

Bulleen P L A Z A MONDAY 1ST MARCH Krispy Kreme Limited Edition Shakes Krispy Kreme is introducing two NEW FLAVOURS in their KREME SHAKE RANGE. The Froot Loops and Coco Pops flavours are what your inner child dreams of. But it gets better… they’ll throw in two doughnuts for an extra $3.45! You don’t want to miss this cereal-ously amazing offer.

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FIND MANNINGHAM | MARCH 2021

findmannigham.com.au

findmanningham.com.au

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Join art therapist Barbara Joyce for one of two, two-week art therapy programs, exploring ceramics and haiku poetry. The first program commences 3 March, and the second separate program commences on 17 March. Ideal for those seeking to supplement their health and wellbeing. Learn how to find serenity and strength through art, as we reflect on the growth of the lotus flower.

Barbara Joyce is a qualified art therapist experienced with working with people affected by trauma. Barbara uses creative processes in a supportive environment to help promote feelings of wellbeing and calmness.

Course dates and times: Wednesday 17 and 24 March, 10.00am to 11.30am Bookings are essential.

All visitors to the Art Studios will be required to register their attendance via QR Code upon arriva,l and comply with current COVID-19 guidelines, including social distancing and the wearing of face masks when social distancing cannot be practiced.

Pre-recorded webinar:

Secrets of Happy Children

Covering both boys and girls from birth to 21, this session is considered one of Steve Biddulph’s best talks.

Using humour, Steve shares powerful stories with practical tips to help you understand your children’s needs Register now to receive a personal link to the webinar prior to the event.

Please note this event was recorded precovid and is a repeat of the popular 2020 series. Recording and slides will not be distributed after the event.

Unfortunately, due to time constraints there will be no Q&A at the end.

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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@retirement.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.

findmanningham.com.au

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Best Place to Retire

RETIREMENT

By Bernard Kelly

BEST PLACE TO RETIRE I want you to be the first to know that I’ve discovered a combination of sunshine, health care, stimulation, a community of modern elders too young to retire, and a destination that will entice friends and family to visit.

LONGEVITY Society is now coming to terms with the concept of longevity, and given the continuing advances in medical science and technology, that’s those years, late in life, when a person remains free of significant disease or disability.

While genetics is thought to account for about one third of how we age, other factors such as lifestyle, nutrition, socioeconomic status, social connections and environment all play important roles.

But today we do know that over half of us will be living for many years yet.

Statistically, a man who lives to 65 has a probability of living to age 91. For a woman, same age, her probability is age 93.

You’ll also need mental stimulation and good health care facilities.

WISH LIST

Does a village in the south of France appeal?

So our first task, when planning for those 20-30 years after we leave the workforce, is to draw up a wish list. And the #1 question is “where is the best place to retire?”

Of course, you’ll chase the sun – that’s the number one priority on any retiree’s check list.

Then we’ll think about the cost of housing – it has to be moderate – and our dream destination will need to be close to a substantive airport. We’ll want the family, and particularly the grandkids, to be able to visit.

And of course, we don’t want to be pioneers. So we’ll tend to go where other modern elders have already settled.

National parks, waterways, boutique outdoor markets, theatres and a Mediterranean climate are all important to be able to maintain your zest for living.

A VILLAGE IN THE SOUTH OF FRANCE?

You know what to expect there. You’ve read the magazines and can recall idyllic images of open air markets, villages built centuries ago, the warm dry summers and the food – and yes, that other justification: “it’s not too far away”.

Yup – that’s where it all comes together.

You’ll have to agree - a village in the south of France is the best place to retire.

What retirement issues do you have?

Email me and I’ll try to assist.

Bernard Kelly Bernard Kelly is the author of “Towards Successful Aging”. bernardkellygeelong@gmail.com

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PAGE PAGE

PROFESSIONAL SERVICES

PROFESSIONAL SERVICES INSURANCE HELPING TO PROTECT YOU AND YOUR FAMILY

Special Tax Return Offer

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

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

$99 Returns - PAYG Only

• Business Expense Cover • Child Trauma Cover

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.

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.

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.

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

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

CONTACT

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.

1300 88 38 30

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

Warren@findinsurance.com.au

6. We will email you the completed return with our invoices. Once you sign the return and pay the

www.findinsurance.com.au

invoice we will lodge the return on your behalf.

248 Wonga Road, Warranwood VIC 3134

1300 88 38 30

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

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

INDEX

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

PROFESSIONAL SERVICES • Architect ------------------------------ 60 • Find Accountant ----------------- 60 • Financial Planning ------------- 00 • Find Wealth ------------------------- 60 • Bookkeeping ---------------------- 61 • Editor|Copywriter --------------- 60 • General Insurance ------------- 61 • Signanges --------------------------- 62 • Mortgage Brokering ---------- 62 • Solicitor/Lawyer ----------------- 62

SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES

SCOPE OF SERVICES

1. Feasibility Studies

• Feasibility Studies

• Construction Documentation

2. Design Only

• Concept Design

• Building Permit Submission

3. Design and Document

• Design Development • Contract Administration

4. Full service package (and more)

• Town Planning

KATHY ISMAIL

• 3D Imagery

Architect

CONTACT US +61 426 188 744

PO Box 233 Eltham VIC 3095

contact@kirarchitecture.com

www.kirachitecture.com

Make your writing ZING! CONTACT susan@creativetext.com.au 0437127 127159 159 0437 www.creativetext.com.au www.creativetext.com.au

SERVICES • Book Editing • Memoirs and Life Stories • Editing and Proofreading • Business Content Services • Indexing

PAGE

PROFESSIONAL SERVICES

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

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

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

Save Your Time & Grow Your Business CONTACT US

SERVICES WE OFFER:

Sum and Substance Bookkeeping,

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

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

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.

0418 300 096 ABN: 26689211803

sales@heightsafetyinsurancebrokers.com.au www.heightsafetyinsurancebrokers.com.au

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

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Signarama Mitcham Signarama Mitcham your one sign shop. Using the latest signages technology and highest quality products, Glenn and team at Signarama Mitcham produce eye catching, quality custom signs.

We can design, produce and install the perfect signs to advertise your product, or to inform your customer, while enchancing the image of your company.

If you can think it, we can make it.

PRODUCTS • • • • • • • • •

Plans & Permits Sign Writing National Projects Project Management Fleet Graphics Installations Design Brand Audits & Consultation Manufacturing

SERVICES • • • • • •

Creative Services Installation Services Project Management Printing Resources Finance Option

We offer contact-free installation!

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

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

Get in touch today.

03 9874 0543

We are open and here to support your business.

Signarama Mitcham

Making Contracting, Subcontracting and intellectual property issues easy.

SERVICES

CONTACT US

• Intellectual Property Law

David@heasleylawyers.com.au

• Business Law

David@heasleylawyers.com.au

• Government and Defence

0408 611 834

Contracts Lawyers

www.heasleylawyers.com.au

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS OUR SERVICES

Get the Morthgage You Deserve

•

FIRST HOME BUYERS

•

INVESTMENT LOAN

•

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•

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•

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www.shlfinance.com.au

•

INSURANCE

•

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2/3 Ringwood Street, Ringwood VIC Australia 3136

reece@shlfinance.com.au 0478 021 757

PAGES

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@findmanningham.com.au

INDEX

We are available for Emergency Repairs 24/7

PROFESSIONAL SERVICES • Garage Doors ---------------------- 58 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

in Melbourne and Surrounding Areas

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

• • •

Roller garage doors Security garage doors Electric garage doors

• • •

Wooden garage doors Garage door locks Up and over garage doors

Trustworthy 24/7 Garage Door Installation We’re a team you can trust when it comes to installation your new garage doors. We work to the highest of safety and is realiably secure.

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

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

CONTACT US 0427 894 603 sales@cruzingaragedoors.com.au www.cruzingaragedoors.com.au Hours of Operation • Mon to Fri: 9:00 am - 5:00 pm • Sat to Sun: CLOSED

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100% FREE, TWO-WEEK TRIAL FOR YOUR WORKPLACE

MACCHIATO

CAPPUCCINO

WE'R

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

▪

State-of-the-art Swiss technology

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Grinds fresh beans for each cup, no powders

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FLAT WHITE

MORE THAN JUST ESPRESSO

DELIVERY & INSTALLATION

BOOK YOUR FREE TRIAL NOW by calling

XPRESSO DELIGHT WARRANWOOD 0418 393 085

SHORT BLACK

LONG BLACK ....and many more!

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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@findmanningham.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@findmanningham.com.au If you wish us to create your ad, we will do this for a minimal cost.

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

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

139 x 96 mm - 1/4 Page Portrait

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

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@findmanningham.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 41 • 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

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SPORTS

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

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@findmanningham.com.au

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MANNINGHAM

Support your Local Not-For-Profit

https://www.manningham.vic.gov.au/NEL

Find Coffee

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FundRaising

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Fine, Contemporary & Bistro

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Find Travel & Entertainment Fun for All Ages

Great Local Deals

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Fine, Contemporary & Bistro

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Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

31 January - 31 January 2022

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

FIND CARD LOCAL OFFERS

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LOCAL COUPONS OFFERS

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Dining

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

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

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

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

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Coffee

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

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Takeaway

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

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NEW OFFERS COMING

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Entertainment

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

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

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

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

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

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

Find Cards Policy

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

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

Copyright 2021 Find© Pty Ltd.

March 2021

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