Find Manningham - August 2021 Edition

anningham The

JULY 2021

WHAT’S INSIDE: 12

LOCAL STORIES

19

COLUMNIST ARTICLES

36

TAX UPDATES

38

REAL ESTATE - RENTAL LISTINGS

40

MANNINGHAM COUNCIL NEWS

60

BIRTH, DEATHS & MARRIAGES

62

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SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

COVID MUTANT VARIANT...

When will it end?

The way out of Lockdown (Page 12)

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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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NEXT ISSUE Next Issue of the Find Manningham will be published on Friday September 9, 2021. Advertising and Editorial copy closes Friday September 3, 2021.

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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

Australians Might Not Be Ready For Nuclear Power, But Do We Need To Make Nuclear Case?

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.

“The Northern Territory has almost a third of Australia’s low-cost uranium deposits and being able to use it in our own country would provide benefits to many communities,” the NT senator said.

“The only realistic way to bring down carbon emissions in our nation is to use our natural resources and move down a nuclear path.”

One Nation leader Pauline Hanson’s party intends to provide two of the three votes needed.

Georgie Moore (Australian Associated Press)

Australians might not be ready for nuclear power, but deputy Nationals leader David Littleproud thinks it’s a good idea.

“We need to have a mature, broad conversation with the public taking into account the new technologies that exist,” the agriculture minister told Sky News on Wednesday.

He said politicians needed to make the case for change to instil public confidence.

Nationals senator Sam McMahon is trying to overturn Australia’s nuclear power ban through changes to a bill aimed at streamlining environmental approvals.

“At this juncture, I don’t think we can give them that confidence,” Mr Littleproud said.

While Mr Littleproud supports the idea behind it, he doesn’t believe the public is ready.

Senator McMahon has the support of upper house colleagues Matt Canavan and Susan McDonald in her nuclear push.

“But I think we shouldn’t steer away from the fact of trying and putting in their mind what are the possibilities.”

As is stands, the government is a vote short of getting its environmental approvals bill through the Senate.

Centre Alliance senator Stirling Griff, and independents Rex Patrick and Jacqui Lambie, previously signalled their opposition to the changes.

They argued an independent watchdog and tougher environment standards were required before other changes could be considered.

Senator Lambie has also questioned why Australia doesn’t replace coal-fired power with nuclear to achieve emissions reduction goals.

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Hello Possums…. Goodbye, tiny birds…

Image courtesy of the Maitland Mercury

Image courtesy of kids connecting nature

NATURE & CONSERVATION

By Liz Sanzaro

Have neighbours just redeveloped and consequently removed trees and shrubbery? If so you will be dicovering that tiny birds have probably left your yard and will not return until they get some suitable habitat back.

Habitat for tiny birds is prickly or thorny, as that keeps out predators. Callistamons, Banksias, Tea Tree, Japonica and even thickets of vine will provide camoflage and a safe place to nest.

Tiny thornbills nests are so beautifully made with the bird using its saliva like spider-webbing to glue together all the soft tiny supple sheds of bark and soft twigs. The entrance is only about as big as a 20 cent piece.

If you feel inside you will discover that the tiny bird has been industriously searching

for fur and soft feathers that might have been caught on undergrowth as the kangaroo or possum passes by. This is the snug soft lining they use inside their nest to hatch and nurture their young.

sure you keep this hung close to the tree trunk, or fence, not out in an area where the possum has to cross open grass as the Owls love hunting and eating ringtailed possums.

Possums, both Brushy tailed and ringtailed will also be homeless, without trees and shrubs and this is where problem roof dwellers give possums such a bad reputation. All openings to your roof, chimneys, breathing hats over exhaust fans, surprisingly quite small spaces, can be penetrated by homeless possums.

You need to tightly fix something like chicken wire over any opening if you don’t want your roof invaded.

For the Brushy tailed possums there are many box- construction options to be found to by just searching the internet.

Having seen these, maybe a local men’sshed might make one for you, or a handy person who has the materials and skills. Just be aware you cannot choose who gets first rental rights, it might be a Kookaburra, or any of the Parrot species from Rainbow Lorikeets to Galahs, to yellow tailed Black Cockatoos, they all need old tree hollows to breed.

On the other hand, if you would like to create a “tiny house” for ring-tailed possums, here is a cheap and wonderful alternative. Two baskets, two liners some cable ties and some soft dry leaves inside to make them feel welcome and your possums will love you. Just makeAc me

This is why Croydon Conservation Society lobbies so hard to preserve and maintain our mature trees. Birds cannot wait 30 years for a sapling to become and old tree that drops a limb leaving a hole.

Albanese makes backflip announcement to Labor’s tax policy to try and win back ex-Labor voters

By Warren Strybosch

A key part of Labor’s policies during the 2019 election was to remove negative gearing and either do away with or reduce the benefits of franking credits.

It was Labor’s way of trying to tackle the affordability crises.

Now, the federal opposition has done a back flip with the hope to reengage voters or bring back to the fold ex-labor voters who have become disenfranchised with what the opposition party has to offer.

Labor leader Anthony Albanese confirmed that Labor will uphold the current, legislated changes to personal income taxes and maintain the existing

regimes for negative gearing and capital gains tax – basically they will do what the Liberals are doing.

“An Albanese Labor government will deliver the same legislated tax relief to more than 9 million Australians as the Morrison government,” Mr Albanese said.

He confirmed that the Labor shadow cabinet and caucus had ratified the party’s new position.

As the next federal election looms over the horizon, Labor is trying to find ways to pretty up the party’s image and their policies. So far, they have introduced dog parks and safe housing for minority groups. Now, they are throwing out their

own policies and falling into line with the Liberals.

Again, what does Labor stand for? They used to be the party for the people but now they seem to be a party for minorities and the policies they introduce seem to be more populace in view rather than actually making long term differences to ordinary Australians.

Again, what does Labor stand for? They used to be the party for the people but now they seem to be a party for minorities and the policies they introduce seem to be more populace in view rather than actually making long term differences to ordinary Australians.

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

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editor@findmanningham.com.au

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RBA Warns Of Rise In Unemployment Rate Colin Brinsden, AAP Economics and Business Correspandent (Australian Associated Press)

The Reserve Bank of Australia has warned the unemployment rate is expected to increase in the near term due to the lockdowns in parts of the country which will see the economy contract in the September quarter.

This is largely the result of the lengthy virus lockdown in Greater Sydney and regional NSW areas.

Last month’s lockdowns in Victoria and South Australia will have also left a negative mark, as will the current restrictions in Queensland.

“The economic outlook for the coming months is uncertain and depends upon the evolution of the health situation and the containment measures,” RBA governor Philip Lowe said in a statement.

“Beyond that, the bank’s central scenario is for the economy to grow by a little over four per cent over 2022.”

Dr Lowe also expects the jobless rate will resume its downward trend, reaching 4.25 per cent at the end of 2022 and four per cent a year later.

The unemployment rate fell to a decade low of 4.9 per cent in June.

The central bank left its key interest rate policies unchanged at Tuesday’s monthly board meeting, including the cash rate at a record low 0.10 per cent.

This was the third consecutive monthly decline reflecting the unwinding of pandemic stimulus measures, such as HomeBuilder, the ABS said.

Dr Lowe reiterated that in an environment of rising housing prices and low interest rates, the bank is monitoring trends in housing borrowing carefully and it is important that lending standards are maintained.

Unsurprisingly, confidence among Sydneysiders fell sharply in the past week following the extension of the NSW virus lockdown to the end of this month.

The central bank may draw some comfort that demand for home loans and applications to build homes are falling.

New Australian Bureau of Statistics data shows the value of new home loans fell 1.6 per cent in June to $32.1 billion. For owner-occupiers, loans fell by 2.5 per cent to $22.9 billion.

“While this was the largest fall since May 2020, owner-occupier commitments remained 76 per cent higher compared to a year ago and 64 per cent higher than pre-COVID levels in February 2020,” ABS head of finance and wealth Katherine Keenan said.

The number of home building approvals also fell 6.7 per cent to 18,911 in June, including an 11.8 per cent tumble in private sector houses to 12,037.

However, Australians have got a spring back in their step in other parts of the country after restrictions were eased in Victoria and South Australia.

Overall, the weekly ANZ-Roy Morgan consumer confidence index – a pointer to future household spending – rose 1.1 per cent after two weeks of hefty falls.

Confidence slumped by seven per cent in Sydney, but was partly offset by a two per cent rise in Victoria and a 2.9 per cent increase in South Australia.

Sentiment in Brisbane was also up 2.7 per cent, but the majority of the survey was completed before the three-day lockdown in southeast Queensland was announced, ANZ head of Australian Economics David Plank noted.

That snap lockdown has since been extended until next Sunday.

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Tips For Insuring A Shopfront Well Covered (Steadfast)

When you’re ready to push your home business from the nest and into a shopfront, it’s an exciting time. It can also expose you to a whole new world of risk that could cripple your fledgling business before it can soar.

Running a business from home is one thing, but taking the leap to a shopfront is altogether another. Fortunately, as millions before you have proven, it can be done.

But not only does it require planning, budgeting and a solid understanding of the risks you’ll face, it also requires you to take out the right insurance, says John Clark, Steadfast’s Broker Support Manager.

“If you have a computer that has your records on it and they’re not backed up properly, then you’re risking interruption to your ‘from home’ business that you can’t easily deal with” 1. Theft First cab off the rank is ensuring you have adequate security measures in place to protect the equipment, stock and cash within your new premises.

Depending on what’s most suitable for your business, that could include a safe, bars on windows, a security guard or advanced alarm systems.

It’s also worth considering insurance against theft and property damage.

“What happens in most burglaries is that, not only do they come in and take stuff, but they damage things” Clark says.

2. Fire No one wants to see their dreams go up in smoke.

Not only do you need to identify fire risks within your business, such as electric radiators, but you should install fire extinguishers and smoke alarms.

Speak to an experienced broker about appropriate insurance and backup all your business documents and files offsite.

If you have a computer that has your records on it and they’re not backed up properly, then you’re risking interruption to your ‘from home’ business that you can’t easily deal with” says Clark.

3. Public liability Let’s say someone strolls into your store and trips over something you’ve accidentally left on the floor, injuring themselves badly in the process.

“She’s on a big income so she sues you for $200,000. What do you do then? You’d need Public Liability insurance” says Clark. “All those exposures should be fleshed out when you talk to a broker, and an appropriate insurance solution found.

4. Business interruption insurance Whether it’s a roof-raising storm, a wallshattering earthquake or a car through your shop window, it’s important to help protect your business against things that can suddenly and unpredictably bring your income stream to a halt.

“If you’re an owner/operator or a single tradie, how would you pay your expenses – the rent, the wages, the electricity – without an income?” he asks. “That’s why you need Business Interruption Insurance.

5. Ask an expert While you can always take steps to mitigate against worst case scenarios, the fundamental risk mitigation strategy is to have an expert review your insurance and ensure it is appropriate.

“That helps transfer the risk from you to the insurance company” Clark says “and underscores the importance of seeking the advice of an experienced broker Important notice – Steadfast Group Limited ABN 98 073 659 677 and Steadfast Network Brokers This article provides information rather than financial product or other advice.

The content of this article, including any information contained in it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product.

Information is current as at the date the article is written as specified within it but is subject to change. Steadfast Group Ltd and Steadfast Network Brokers make no representation as to the accuracy or completeness of the information. Various third parties have contributed to the production of this content. All information is subject to copyright and may not be reproduced without the prior written consent of Steadfast Group Limited.

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COVID: New Victorian Business Support Package

By Warren Strybosch

A new Victorian Business Support Package has been established in conjunction with the Commonwealth. The new package will deliver $5,000 grants to businesses that remain impacted by capacity limits; the existing Licenced Hospitality Venue Fund will make grants of up to $20,000 to support licensed venues; the Commercial Tenancy Relief Scheme and Landlord Hardship Fund will provide support to landlords that provide rent relief to their tenants (and the Commercial Tenancies Relief Scheme will be reinstated to provide rent relief too small to medium commercial tenants and their landlords); and, the existing Alpine Business Support scheme will deliver grants of between $5,000 and $20,000 to 430 Alpine based businesses.

Also, a new Small Business COVID Hardship Fund will be established under which small businesses with a payroll of up to $10m who have experienced a 70% or greater reduction in revenue will be eligible for grants of up to $5,000. At time of writing we are still waiting to hear what how the 70% reduction in revenue test will be calculated and when these funds will be ready to apply for.

Age Pension age 66.5 years, one more increase to go From 1 July 2021, Age Pension age increased to 66 years and 6 month. Consequently, there will be no clients turning pension age for the next six month until 1 January 2022 as shown in the following table.

Date of Birth

Pension age

Date pension age changes

From 1 July 1955 to 31 December 1956

66 years and 6 months

1 July 2021

From 1 July 1957 to onward

67 Years

1 July 2023

CGT exemption for granny flat events becomes law In last year's budget, the Goverment announced that a CGT exemption will apply to the creation will apply to the creation, variation or termination of a granny flat arrangement that is providing accomodation for older Australians or those with a disability, where there is a formal written agreement in place. This exemption has now become law and commenced 1 July 2021.

This change is hoped to help families, who currently avoid creating formal, legally binding agreements because of the potential significant CGT consequence, to start creating agreements to protect all involved.

To be eligible for the CGT exemption: • The arrangement accommodation for life • The person entering the arrangement must be pension age or have a specified disability • The parties to the agreement don't need to be related • The arrangement can't be on a commercial basis (eg formal rent agreements).

Eligibility for the exemption is determined at the time the granny flat agreement is entered into as long as the CGT event occurs after 1 July 2021.

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Vaccine Hesitancy Plummets Over Outbreaks

By Callum Godde

(Australian Associated Press)

Lockdown-inducing COVID-19 outbreaks in NSW and Victoria have prompted Australians to reassess their willingness to get the jab, according to a national poll.

The Melbourne Institute’s fortnightly report card into vaccine hesitancy shows it has fallen, from 33 per cent at the end of May to 21.5 per cent last Friday.

The sharp drop in hesitancy over the past eight weeks is across all states and age groups.

With Greater Sydney and its surroundings enduring a fourth week in lockdown, vaccine hesitancy rates in NSW are at 14.6 per cent. That has more than halved since late May and the authors of the report cite a sole reason.

“The outbreaks are clearly changing some people’s minds about getting vaccinated, especially in NSW,” said the

report, published on Wednesday by the leading economic and social policy research institution.

Some 11.8 per cent of the 1200 Australian adults surveyed are still refusing to get a coronavirus jab, while 9.7 per cent remain unsure – down from 15 per cent at the end of May.

“Policies to reduce vaccine hesitancy need to be carefully targeted at populations most vulnerable and most likely to transmit the virus, as well as geographic areas with the lowest vaccination rates,” the University of Melbourne-based institute said.

VACCINE HESITANCY BY STATE

The report said the latter group is most likely to be affected by policy, with the nation’s expert panel on immunisation last week revising its advice to recommend Sydneysiders “strongly consider” receiving the AstraZeneca shot in response to the worsening outbreak.

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Despite the latest outbreaks reinforcing the benefits of getting the jab, high rates of vaccine hesitancy persist among those aged 18 to 44 (28.8 per cent) and Queenslanders (30.9 per cent).

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NSW – 14.6 per cent, down from 32.9 at the end of May Victoria – 23.88 per cent, down from 32.12 Queensland – 30.83 per cent, down from 38.69 South Australia – 23.91 per cent, down from 30.85 Western Australia – 21.38 per cent, down from 29.01 Other – 11.04 per cent, down from 22.86

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

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

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

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BOOK NOW

Just Announced! Paul Kelly and Paul Grabowsky • Cash Savage and the Last Drinks • Liars Experience three of Australia's best live acts in Elisabeth Murdoch Hall this September and October.

Experience three of Australia's best live acts in Elisabeth Murdoch Hall this September and October.

Don't miss the triumphant return of music icons Paul Kelly and Paul Grabowsky, plus exciting debut shows by alt-rock outfit Cash Savage and the Last Drinks and experimental rock band Liars. Tickets to all three shows are on sale now!

Liars Fri 3 September Paul Kelly & Paul Grabowsky Sat 16 October Cash Savage & the Last Drinks Fri 29 October

LISTEN TO SPOTIFY

Classical Uncovered is a new podcast series designed to demystify corners of the classical music world.

Over 10 episodes, classical music expert Graham Abbott breaks down the concepts and terms used in classical music, with the aim of helping you better understand and enjoy your music experiences. What do we mean when we talk about Baroque or Romantic music? What is chamber music? Discover this and more in Classical Uncovered.

Listen to the first four episodes now via Spotify, Soundcloud, or Apple podcasts.

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Li-Wei Qin & Kristian Chong

Gregor + Sweet Whirl

Përolas: Synaesthesia

Internationally acclaimed cellist Li-Wei Qin unites with revered pianist, Kristian Chong to perform works from Barber, Schubert and Schumann as part of our Great Performers series.

In 2020, Melbourne artists Gregor and Sweet Whirl released acclaimed albums, Destiny and How Much Works respectively. They finally get to launch these records with a coheadline show.

Eclectic contemporary music for the heart, mind and soul. From up-tempo beats to otherworldly soundscapes, Përolas brings a fusion of cultures to original compositions and musical arrangements.

Thu 12 Aug 7.30pm

Fri 13 Aug 8pm

Mon 25 Aug 7pm

BOOK NOW

BOOK NOW

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Great Talks Podcast Available now! Listen to the second episode of our Great Talks Podcast with Graham Abbott, featuring pianist Ian Munro.

Great Talks is an audio companion to each concert in the 2021 Great Performers series. Part pre-concert talk, part deep-dive into the music, artists and program curated for each concert, these podcasts are designed to enhance the concert experience.

Listen Now

Enjoy our latest digital season Featuring Luluc, Sharon and Slava Grigoryan, Vardos, the Benaud Trio and many more, enjoy Australia’s best artists and musicians recorded live at Melbourne Recital Centre — all from your very own living room.

All nine concerts are free to watch and streaming now.

Local Artist Appeal

Sophie Koh, singer-songwriter

LISTEN HERE

WATCH NOW

Click here for our latest concert announcements TEEKS About TEEKS From the moment you experience the soulful croon of Te Karehana Gardiner-Toi – professionally known as TEEKS – you’ll be hooked on his vibrant, sensuous voice. The 26-yearold Māori singer-songwriter has already become a phenomenon in his homeland going to #1 with his debut album this year, and now he’s here to wow audiences in Elisabeth Murdoch Hall.

Just Annouced

Mother Archer’s Cabaret for Dark Times

From our Friends

National treasure Robyn Archer’s marvellous new cabaret is a true tonic for our times. The life-affirming show finds Archer at her energetic, witty and mischievous best, as she dissolves our pandemic blues with the illusory magic of song, that unique voice and her many charms.

Mon 16 Aug 2021 7.30pm SEE MORE

GET FREE ACCESS

Wed 25 Aug 2021 7.30pm

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National Plan to Transition Australia’s National COVID-19 Response The National Cabinet agreed in-principle to an updated fourstep National Plan to transition Australia’s National COVID-19 Response (National Plan) taking into account the Doherty Institute COVID-19 modelling and the Commonwealth Department of Treasury economic analysis.

The National Plan charts the way back.

The National Plan sets out four phases to effectuate this transition. Each phase will be triggered by the achievement of vaccination thresholds of both the nation, and the individual state or territory expressed as a percentage of the eligible population (16+), based on the scientific and economic modelling conducted for the COVID-19 Risk Analysis and Response Taskforce.

The National Plan provides a graduated pathway to transition Australia’s COVID-19 response from its current prevaccination settings focused on continued suppression of community transmission, to post-vaccination settings focused on prevention of serious illness and fatalities, whereby the public health management of COVID-19 is consistent with other infectious diseases.

The updates agreed in-principle today by the National Cabinet are the Vaccination thresholds to move to Phase B and Phase C. The National Cabinet will commission further detailed modelling over the coming months to update and refine the National Plan as required.

A sub-group of National Cabinet consisting of Victoria, Tasmania and the Northern Territory will also prepare options on how restrictions can be eased for vaccinated Australians in Phase B.

level restrictions. Measures may include maintaining high vaccination rates, encouraging uptake through incentives and other measures, minimising cases in the community through ongoing low-level restrictions and effective track and trace, and with lockdowns unlikely but possible and targeted.

Phase A. Vaccinate, Prepare and Pilot (Current Phase) Australia will continue to strongly suppress the virus for the purpose of minimising community transmission. Measures may include accelerating vaccination rates, closing international borders to keep COVID-19 out, and early, stringent and short lockdowns if outbreaks occur.

Phase C. Vaccination Consolidation Phase (≥80% of adult population fully vaccinated)

Phase B. Vaccination Transition Phase (~70% of adult population fully vaccinated)

In Phase C, Australia will seek to minimise serious illness, hospitalisations and fatalities as a result of COVID-19 with baseline restrictions. Measures may include maximising vaccination coverage, minimum ongoing baseline restrictions adjusted to minimise cases without lockdowns, and highly targeted lockdowns only.

In this phase, Australia will seek to minimise serious illness, hospitalisations and fatalities as a result of COVID-19 with low-

(Source: https://www.pm.gov.au/media/national-cabinetstatement-10)

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National Plan to transition Australia's National COVID-19 Response National Cabinet agreed to formulate a national plan to transition Australia's National COVID-19 Response from it's current pre vacination settings, focussing on continued suppression of community transmission, to post vaccination settings focused on prevention of serious illness, hospitalization and fatality, and the public health management of other infectious diseases.

Phases triggered in a jurisdiction when the average vacination rates across the nation have reached the threshold and that rate is achieved in a jurisdiction expressed percentage of the eligible population (16+), based on the scientific modelling conducted for the COVID-19 Risk Analysis and Response Task Force

~ 70% vaccination (2 doses) A. Current Phase: Vaccinate, Prepare and Pilot* Continue to strongly suppress the virus for the purpose of minimising community transmission

≥ 80% vaccination (2 doses)

B. Vaccination Transition Phase Seek to minimise serious illness, hospitalization and fatality as a result of COVID-19 with low level restrictions

C. Vaccination Consolidation Phase

D. Final Post-Vaccination Phase

Seek to minimise serious illness, hospitalization and fatality as a result of COVID-19 with baseline restrictions

Manage COVID-19 consistant with public health manangement of other infectious diseases

Measures may include:

Measures may include:

Measures may include:

Measures may include:

• Accelerate vaccination rates

• Maintain high vaccination rates,

• Maximise vaccination coverage

• Open international borders

• Minimum ongoing baseline restrictions,

• Quarantine for high-risk inbound travel

• Close international borders to keep COVID-19 out • Early, stringent and short lockdowns if outbreaks occur • Minimise cases in the community through effective test, trace and isolate capabilities • Implement the national vaccination plan to

encouraging uptake through incentives and other measures • Minimise cases in the community through

• Highly targeted lockdowns only

track and trace

• Continue vaccine booster programme;

• Lockdowns less likely but possible • International border caps and low-level international arrivals, with safe and

vaccinated with the necessary doses of the

proportionate quarantine to minimise the risk

relevant vaccine as soon as possible; reduced • Domestic travel restrictions directly proportionate to lockdown requirements.

• Commonwealth to facilitate increased commercial flights to increase international repatriations to Darwin for quarantine at the

lockdowns

ongoing low-level restrictions and effective

offer every Australian an opportunity to be

• Inbound passenger caps temporarily

adjusted to minimise cases without

of COVID entering • Ease restrictions on vaccinated residents (TBD)

• Exempt vaccinated residents from all domestic restrictions; • Abolish caps on returning vaccinated Australians • Allow increased capped entry of student, economic, and humanitarian visa holders;

• Restore inbound passenger caps at previous levels for unvaccinated returning travellers and larger caps for vaccinated returning travellers;

vaccinated persons, without quarantine; and • Allow uncapped arrivals of non-vaccinated travellers subject to pre-flight and on arrival testing.

new candidate countries (Singapore, Pacific) • Gradual reopening of inward and outward

• Allow capped entry of student and

international travel with safe countries and proportionate quarantine and reduced

arrangements and availability;

requirements for fully vaccinated inbound

quarantine options, including home

• Allow uncapped inbound arrivals for all

vaccinated Australians; and

Springs;

• Trial and pilot the introduction of alternative

with influenza or other infectious diseases • Boosters as necessary

• Extend travel bubble for unrestricted travel to

economic visa holders subject to quarantine

extended

ongoing restrictions or lockdowns • Live with COVID-19: management consistent

• Lift all restrictions on outbound travel for

Centre for National Resilience in Howard • International Freight Assistance Mechanism

• Minimise cases in the community without

• Introduce new reduced quarantine

travellers.

arrangements for vaccinated residents; and • Prepare/implement vaccine booster programme (depending on timing).

quarantine for returning vaccinated travellers; • Expand commercial trials for limited entry of student and economic visa holders • Recognise and adopt the existing digital Medicare Vaccination Certificate (automatically generated for every vaccination registered on AIR); • Establish digital vaccination authentication at international borders; • Prepare vaccine booster programme; and

*No jurisdiction required to increase restrictions beyond current settings The Plan is based on the current situation and is subject to change if required The COVID-19 Risk Analysis and Response Taskforce’s report will be available once finalised at: pmc.gov.au.

• Undertake a further review of the national hotel quarantine network.

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Another Recession Not On Cards, Just Yet Colin Brinsden, AAP Economics and Business Correspondent

(Australian Associated Press)

A growing number of economists are predicting that with half the population in lockdown, the economy will contract in the September quarter.

But at this stage they doubt this will be followed by a second negative quarter in the final three months of year, which would signal the economy has sunk back into a recession.

The Westpac-Melbourne Institute leading index, which indicates the likely pace of economic activity three to nine months into the future, eased further in June, but still points to annual growth above trend about 2.8 per cent.

Victoria is in an extended shutdown until next Tuesday, as is South Australia.

Greater Sydney and Melbourne alone account for about half of the economy’s output.

Sales for July are likely to be even weaker, clobbered by earlier snap lockdowns in Brisbane, Darwin and Perth, as well as the now lengthy restrictions in Greater Sydney.

As such, independent economist Nicki Hutley says another recession can’t be ruled out.

Those latter restrictions include the closure of construction sites, the first time such a measure has been included.

“This Delta virus just seems almost unstoppable. You have seen how difficult it has been for NSW to get on top of it,” she told ABC radio.

“If the pause goes beyond July 30, it could bring smaller contractors to their knees due to cashflow issues,” Australian Constructors Association chief executive Jon Davies warned.

“If we can’t do that very quickly, this could drag on. That is the worst case scenario.”

Westpac chief economist Bill Evans is forecasting the economy will contract by 0.7 per cent in the September quarter.

The Australian Bureau of Statistics will issue its preliminary retail trade figures for June on Wednesday.

“We expect the economy to bounce back once measures bring outbreaks under control, with the December quarter expected to show a 2.5 per cent rebound nationally,” he said. Greater Sydney and some NSW regional areas are in lockdown until July 30, and

Economists’ forecasts centre on a 0.4 per cent decline, wiping out the 0.4 per cent gain seen in May, although some believe it could be as much as a one per cent drop. The data will cover the full impact from last month’s Victorian COVID-19 lockdown.

The National Skills Commission will also issue its final report for skilled vacancies for June.

Its preliminary figures showed job advertisements posted on the internet fell 0.5 per cent in the month, the first decline since the pandemic low point in April 2020.

However, jobs ads were still 43.8 per cent higher than their pre-pandemic levels.

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

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15

Young Australians Share Their Covid Fears

By Emily Woods

(Australian Associated Press)

Young Australians are stressed about how the pandemic has impacted their education and mental health and are concerned about ongoing isolation, a new survey has found.

Mission Australia released results from its 2020 Youth Survey on Wednesday, showing young Victorians have been hit the hardest by issues brought on by the pandemic.

Additionally, 17-year-olds were the most likely to say their education has been severely impacted by COVID-19.

Many of those surveyed said disruptions to their everyday lives due to the pandemic have made them feel worried, stressed and without access to their usual supports.

“Our school is not doing enough in terms of accounting for the abnormal state of the world when it comes to setting

assessments – I have never felt so simultaneously stressed and unmotivated,” a 17-year-old Victorian girl told the survey.

“There has been an extreme lack of allowances for COVID and online learning so I am consistently stressed about school – on top of being stressed about the world.”

recently triggered in response to COVID-19, we must take heed of what young people told us about their experiences and solutions in 2020,” he said.

“We are very concerned that the impact of this virus will continue to have flow-on effects on young people’s lives now, and their futures.”

More than 25,000 people aged between 15 and 19 responded to the survey, with 1650 young people saying COVID-19 had been their biggest personal concern in 2020.

Despite various levels of government investment in mental health, Mr Toomey says there are still “large gaps” in the mental health system, particularly for vulnerable and marginalised groups.

About two thirds of young people who had mental health concerns due to COVID-19 were girls – 68.9 per cent, compared with 23.9 per cent of boys.

Mission Australia has recommended more support for young people in schools, to help their wellbeing as well as to support them completing school work.

Mission Australia’s chief executive James Toomey says the results are particularly important given the pandemic continues to cause disruption for young people.

The charity says mental health prevention and early intervention support delivered in more flexible formats is needed to address issues that may arise during periods of isolation.

“The pandemic is still in play. With lockdowns and tighter restrictions

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COVID-19 disaster payments are now tax-free: Do you need to amend your tax return?

By Warren Strybosch

Prime Minister Scott Morrison has declared that COVID-19 disaster payments will now be tax-free. For all of those who have submitted their tax returns before 1st August 2021, you may need to amend your returns or lose the tax you otherwise previously paid.

The Institute of Public Accountants general manager of technical policy, Tony Greco, said granting the $750 a week payment with a tax-free status would mean workers will take home more than they did under the original JobKeeper program.

On Tuesday, the Treasury Laws Amendment (COVID-19 Economic Response No. 2) Bill 2021 was introduced into Parliament, confirming Prime Minister Scott Morrison’s comments that COVID-19 disaster payments would now be tax-free.

Disaster payment recipients can expect to be better off by $90 a week compared with the JobKeeper wage subsidy, based on an annualised $39,000 income of $750 each week.

Previously, COVID-19 disaster payments were taxable income. However, after the announcement, they will now be treated as non-assessable non-exempt income.

“The main concern is that these payments have always been stated as assessable, so now there’s confusion,” said Mr Greco.

“It is a significant shift in treatment from what people have been told and what we have come to expect.

According to Mr Morrison, more than $490 million in COVID-19 disaster payments have been paid to over 955,000 workers in NSW and Victoria.

The payments, which were increased on Wednesday from $600 to $750 a week for workers who lost more than 20 hours and raised from $450 from $375 for those who lost between eight and 20 hours, are expected to cost the federal government $750 million a week.

For those of you who have already lodged your returns and the COVID-19 disaster payment was included as taxable income, you might like to consider amending your returns and potentially getting some money back from the ATO.

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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17

SuperStream for SMSF ACCOUNTANT

By Warren Strybosch

All BGL clients must use Australia Post as their default gateway as Simple Fund 360 will not integrate with any other gateway provider. If you register with another gateway, you will not be able to use the SuperStream data in Simple Fund 360.

SuperStream is the new standard for super transactions designed to improve the quality of data and improve processing efficiency for both employers and super funds.

SuperStream servicea will collect contribution data from employers and distribute this data to SMSF software providers.

Where can I find the Electronic Service Address (ESA)?

As part of this, all trustees of SMSFs must comply with a new data and e-commerce standard. Employers will be able to send superannuation contributions and data to multiple funds in one standard electronic format, instead of sending information to separate funds in multiple formats.

The ESA is available in the Trustee/Employer Notification Letters which can be prepared after you or your accountant has registered the fund for SuperStream.

What is SuperStream?

Once registered, SMSF Trustees will need to provide the following information to their employer:

SuperStream is a government reform designed to enhance the efficiency of the super system. Under SuperStream, employers are required to make super contributions, both data and payment, on behalf of their employees electronically. All super funds, including SMSFs, must receive contribution data and payments electronically in accordance with the SuperStream standard.

SuperStream Gateways will collect your contribution data from employers and distribute this data to your SMSF.

The Electronic Service Address (ESA) is required by employers so that they can send contribution data to that address. Each SuperStream Gateway has a unique ESA.

The ESA will also be saved under Fund | Fund Details.

Self Managed Super Fund name, ABN, The Electronic Dervice Address (ESA), BSB and Account Number. An Employer Notification Letter can also be generated in Simple Fund 360.

Thankfully, the ATO has confirmed it will not take a hard-line enforcement approach to SMSFs that do not comply with the new SuperStream requirements set to be implemented on 1 October this year even though funds in this predicament will be considered to have committed a regulatory contravention.

When speaking to the SMSF Association, the ATO superannuation and employer obligations director, Belinda Black said: “Not complying [with the SuperStream requirements] is a breach of the payment standards and penalties may apply. However, like any new functionality and change, the ATO wants to support those impacted and therefore will allow a transition window for the industry to get up to speed and understand SuperStream.”

There are currently several SMSF software providers already compliant with SuperStream. For Trustees of SMSF, it is best to talk to your accountant regarding SuperStream to make sure they, more importantly, you as the Trustee, will be able to meet your obligations after the 1st of October 2021.

Go to ATO website to read more: https://www.ato.gov.au/super/superstream/

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

Warren Strybosch Australia Post will provide Simple Fund 360's SuperStream Gateway

BGL has partnered with Australia Post to provide SuperStream services. Registration can be done directly through Simple Fund 360 free of charge. Do not register directly through Australia Post as a cost will be incurred.

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

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Importance of Budgets and Planning BOOKKEEPER

By Neha Nayyar

Budgets and planning go hand in hand.

It’s important for every business owner to have a budget to help them understand the direction they want their business to go in and come up with a plan on how to get there. Budgeting helps you understand your business's current financial status and will enable you to make more informed business decisions in the years to come.

Not sure where to begin? Here are our top tips to get you started: 1. Start somewhere - Whether this is your first or your fifth year setting a budget, every business needs to start somewhere. Budgets allow business owners the ability to hone in on cashflow, reduce expenses, and increase profitability. It’s helpful to have an accounting system that enables you to monitor your budget on a regular basis. true profitably of your business. It can even help you determine an appropriate price for your goods and services.

2. Use historical trends - Maybe you discover that you’re constantly in debt at the end of the year or that suppliers are constantly chasing you up for outstanding payments every month? Review your books from previous years to determine any trends in your spending or earnings.

This would help you identify the problem areas and allow you the opportunity to rewrite your spending future.

3. Get technical – Review your financials in a profit and loss format.

The profit and loss statement lists your sales and expenses each month, quarter or year. To put it simply, a profit and loss report shows you the

4. Plan big picture - Where do you see your business in the next 1, 3, or 5 years? Imagine it, plan it, write it down and then break it down. Now that you’ve got your eye on the prize, the question is how do you get there?

Break your yearly goals down month by month. Tightening the budget down to months reduces the risk of overspending and over projecting profitability.

you are spending too much and need to cut costs or if you have a little extra wiggle room to work with. Until you have established a tried and true budget that works for your business, it’s good to review it often to avoid a surprise at the end of the year.

Need help reviewing or establishing your budget? We’re here to help. We at Sum and Substance work closely with businesses helping them set budgets and plan their financials for the year ahead. Please contact us if you’d like some assistance setting up a budget in your business. We can be reached at (03) 9424 9447 or info@sumsubstance. com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar 5. Use your Budget - Once you’ve setup a budget try it in your business.

You can then run an analysis every quarter to see how it is tracking. This will help you quickly identify whether

Bookkeeper Sum and Subtance Bookkeeping and Training Services 0401 409 573

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19

SMSF Deeds and Legal Advice Should I use a Lawyer?

SOLICITOR

By David Heasley

A SMSF deed is a bit like insurance. You don’t know how well it protects you until the worst happens. For example, you discover the SMSF deed itself is invalid, or doesn’t comply with legislation.

As superannuation and tax laws are constantly changing, SMSF deeds should be reviewed on at least an annual basis and revised as needed, preferably, by lawyers who are SMSF experts.

This situation can come about because it has been possible for several years for advisers, such as accountants and financial planners to obtain the use of SMSF and related legal templates in order that the adviser can prepare documents themselves.

Typically, the adviser pays a licence fee that permits them to download the template and prepare the documents as compared to paying a law firm to prepare an SMSF deed for a particular client.

Generally speaking, the template suppliers do not have any significant technical or legal expertise in respect of drafting documents such as SMSF deeds or other related legal documents.

But it was signed off by a Lawyer- Right?

Many non-qualified SMSF document suppliers claim that their documents are “signed-off by a lawyer”.

While a reference to “signed off by a lawyer” does not have a fixed meaning, it is meant to give the impression that the document in question was prepared and reviewed by a lawyer who has approved that individual document, and not just the template. Thus, care is required when dealing with such claims.

The actual template (for example a SMSF deed) may very well have been prepared by a lawyer, any resulting completed document may not have been.

The position is likely to be clearer where the SMSF deed is supplied directly from a law firm and not from an advisor using a template. In this case a lawyer reviews the instructions for each SMSF, and then drafts documents that are appropriate to those instructions.

Can I sue the lawyer when it all goes bad?

Unfortunately, probably not. Unlike the scenario where a lawyer handles the whole matter, where the work is done by a non – lawyer there may be little or no protection for any badly done or erroneous work.

One example (of erroneous work) may be an ineffective binding death benefit nomination (BDBN) where the SMSF deed has not been varied correctly.

In these instances there is unlikely to be professional indemnity insurance available to an adviser who prepares the invalid deed, as a non-qualified person is not legally authorised to prepare a legal document for a client.

In fact, most professional indemnity insurance for advisers (other than lawyers) also excludes cover for services that a lawyer must perform.

Advisers and end-users should therefore not assume that professional indemnity insurance is available. Further, some non-qualified suppliers may have no insurance cover at all, leaving the only option for recovery being to sue the advisor.

In the cases the money saved by not involving a lawyer (as competent advisors will do) may prove to be expensive indeed.

David Heasley Principal Solicitor HEASLEY LAWYERS www.heasleylawyers.com.au 0408 611 834 AUGUST 2021 | FIND MANNINGHAM

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Notice Awareness Focus

Let’s get back to love!

PARENTING

By Lesley-Anne Banton

It is said that the journey out of covid and lockdowns is through vaccinations, what ever your opinion and stance on that is yours. However, the journey out of this psychologically and emotionally could be through love.

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

Have you ever watched the film ET? It’s an iconic film of an extra-terrestrial showing up after being left behind and his journey to get back home. The journey to get home for him was scary, unknown, and filled with uncertainty about the place he had been left behind in. He learns to trust those around him over comes his fear, likewise the humans around him build trust in him, rally round in love and compassion to keep ET safe and get him home.

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

What did ET need when he was left behind?

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

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

When ET was screamed at and feared what did he do? How might that have

of felt being in alone in a planet it knew nothing about? How might your fear/ anxiety/ stress react to being in an unknown planet – world of covid and being screamed at feared? What might it need to feel safe? What might it need to be ok with being there and understood?

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

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

In contrast we see the response of people in fear of ET, see him as a threat and who want to capture, contain ET and possibly destroy him. Panic has set in with them!

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

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

It was understanding, trust, compassion and love that helped ET get home. What could help you to get back to place that you know you are home within yourself?

Is it love? Compassion? Understanding of where you are at?

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

So how can we move from fear to love?

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

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

In this space ask yourself: What would love do?

What would compassion do?

If I was in a state of love or certainty, what would I do? What would I think?

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

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

If you seek further support around moving from fear to love, please contact me:

Lesley-Anne Banton Life Coach THE PARENT WHISPERER 0432 848 418 | theparentwhisperer1@gmail.com

www.theparentwhisperer.com.au

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AUGUST 2021 | FIND MANNINGHAM

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Compatibility Mode

GENERAL INSURANCE

By Craig Anderson

I get some frequently asked questions from businesses around whether hiring staff or hiring sub-contractors is better.

While the answer can be different for each business depending on their activities and needs, and an accountant and/or solicitor may need to be consulted, my answer is simple. Whichever choice you make, the benefits must outweigh the risks, and any risks must be controlled or eliminated using the right insurance policies, and the right procedures.

If your business hires a staff member, then their actions are your actions. Your Public Liability Policy or Professional Indemnity policy should cover any 3rd party loss created by your staff, for which you would normally be found liable. Of course, there are some qualifications or registrations that staff may be required to have in order to do the job, but in general, if the third party experiences a loss in the normal execution of your business as described to the insurer, you should be covered. Pretty clear-cut.

If your business hires a sub-contractor, then the 3rd party loss they generate is still your loss. Your insurer will then want to recover the cost of that loss from your sub-contractor’s insurance. Your

policy may make it a policy condition that the sub-contractor has their own cover. So what happens when you fail to check the sub-contractor is insured and it turns out they let their policy lapse or it has been cancelled due to a missed payment? Your insurer may void your policy and not pay the claim. You may even have checked the sub-contractor’s policy is current, and cancellation occurs afterward, leaving you in the dark.

The key here is that whichever model you choose, or even if it becomes a combination of staff and sub-contractors, the policy you choose is of critical importance. The risk control measures to avoid losses, or avoid compounding them, are just as important.

If you injure a sub-contractor, you may also have to pay a $25,000 excess, which would not be the case if one employee accidentally injures another. This is known loosely as a worker-to worker claim, which are notoriously costly, hence the huge excess. (This may vary from insurer to insurer and apply more to some industries than others).

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).

If that subcontractor relies on you for the vast majority of their work, you may inadvertently take on employer responsibilities anyway, and find yourself paying to insure them for WorkCover.

You will need advice on this from your WorkCover Insurer, and perhaps an HR Consultant if trying to avoid this when using a long term subcontractor.

When you “Don’t know what you don’t know” then ask the people who do, like your Insurance Broker.

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

0418 300 096

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Insulation – your building needs it!

ARCHITECT

By Kathy Ismail

Building insulation got a bad name when the Pink Batts scandaI hit the airwaves in the 2000s. Four workers died installing home insulation as part of a federal government scheme. So, should we insulate our homes, offices, factories and warehouses?

The short answer is – yes!

Insulation may not be the exciting part of a building features but its importance is vital. Insulation has been rated as the second most important feature of a home by potential homebuyers and it should be the first priority when building or renovating. Basically, insulation regulates temperature and humidity, reduces external noise and helps reduce greenhouse emissions. Heating, ventilation and air conditioning (HVAC) systems need to be repaired more often when they are switched on for longer periods. Insulation helps to reduce the maintenance costs, and if you’re not using these appliances so often, think of the savings you’ll have in power bills!

Where to insulate The ceiling and roof account for most of the heat loss in a building – around 40%. Walls can lose about 24% of heat, depending on the amount and kind of glass inserted in them, and even the floors can lose another 10%.

Ceiling: you should check the insulation in your ceiling as it may need a top-up.

The most common insulation used in ceilings is polyester made from recycled plastic bottles and fibreglass (glasswool). Bulk ceiling insulation comes in segments that will fit between the joists above your ceiling, or in blankets that can be rolled out across the top of the joists to compensate for heat loss through the timber. If space is an issue, loose fill insulation is an option but its effectiveness and durability tend to be variable.

Underfloor: Foil was once considered a cost-effective option and is still found in many older homes today. However, due to issues around safety and its reduced performance, foil will need to be replaced with a bulk insulation option.

It is critical to ensure that there is no air gap between the bottom of the floor and the top of the insulation.

Walls: Bulk insulation for walls comes in pre-cut segments or as blanket rolls. To install bulk insulation into an existing wall, either the lining or cladding will need to be removed. Another solution is to add a layer of high-density plasterboard over the walls and repaint inside; this may make quite a difference and reduce external noise as well.

What to insulate with Cellulose consists of about 80% recycled materials and is environmentally friendly.

You can use cellulose to insulate the walls for your commercial buildings or warehouses.

Fibreglass, available in either loose-fill or blanket form, installed below the roof deck is effective for achieving better insulation.

Radiant barrier, a reflective material like foil, helps to keep a building cool as it doesn’t absorb the heat but reflects it back to space. Install if your warehouse stores materials that require low temperature.

Liquid polyurethane is sprayed evenly on the walls or ceiling. Because it expands as it is applied it blocks cracks and gaps which lets air in.

Polyvinyl chloride is a versatile material that is moisture and humidity resistant. It is durable and strong insulation material for commercial metal buildings.

How to install It is important that there be no gaps andno ‘crushing’ of the insulation material. Any leaks must be fixed prior to insulation being installed to avoid growth of mould inside the insulation.

It is essential that you use properly trained installers when dealing with insulation as the product will be in close proximity to electrical wiring or lighting. (The victims in the Pink Batts scandal died because they weren’t properly trained and were electrocuted.)

Heat can move through glass, wood, brick, cracks and gaps where insulation might not be able to be used. A professional will be able to advice on a complete solution to reduce your energy cost.

Especially if you are building from scratch or renovating, talk to an architect who can advise on the best and safest options for your building.

Contact KiR Architecture at contact@ kirarchitecture.com.au for help with planning your 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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AUGUST 2021 | FIND MANNINGHAM

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Establishing Breastfeeding In The Early Weeks LACTATION CONSULTANT

MarkMogato

By Dr. Joanna Strybosh

Getting off to a good start from as early as possible after your baby is born is one of the best ways to ensure long term breastfeeding success. Here are my top tips to help you achieve that: •

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• •

•

•

•

•

•

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Get yourself in a comfortable position. Usually a semi reclined position is best, such as laying on your back, with pillows behind your head and shoulders. You could try on your couch or on your bed.

Make sure you and your baby are comfortable and safe and you have what you need within reach - a drink of water, extra pillows, burp cloth, your phone etc.

Place your baby on your chest, tummy to tummy, in line with your breast.

Ideally, feed your baby skin-to-skin.

In other words, undress your baby down to a nappy and remove your own top. This skin contact stimulates your baby’s feeding reflexes and your milk production and letdown.

Your baby will be most stable if they are lying on their tummy, on top of you, with their legs and arms spread out. Support your baby with your arm so they are stable on top of you.

Start to learn to identify your baby’s early feeding cues - subtle mouthing movements, licking, tongue movements, turning their head are all early hunger cues.

Follow your baby’s lead - be patient and relax and give your baby time to find their target, open wide and latch on.

If your baby is having trouble latching on, offer some shaping of your breast with your free hand. Think of the way you might squeeze a hamburger before taking a big bite.

“Sandwiching” the breast, back from the nipple, can help a young baby get a bigger mouthful and make for a deeper latch.

Watch your baby’s sucking action initially their sucks should be quicker, until your milk lets down, and then their sucks will become a bit slower and you should see and/or hear them swallowing.

If you are not sure if your baby is actively swallowing, ask your lactation consultant or midwife.

It’s important to learn to identify active swallowing. This is one way you can be confident your baby is transferring milk.

•

•

• •

• •

• •

Your baby may need to take a pause every so often to catch their breath. As your baby gets stronger and more coordinated, they will be able to handle your let down better and will learn to coordinate a steady suck-swallow-breath rhythm.

Babies need to be fed 8-12 times per 24 hours, particularly in the early weeks. This means feeding every 2 to 3 hours around the clock. Some babies want to sleep longer in the day, but it’s best not to let them go longer than 3 hours between feeds in the beginning.

Do wake your baby during the day, if it has been 3 hours since their last feed.

Try to encourage a full feed each time, by keeping your baby from “sleeping on the job”. Sometimes stroking your baby, touching their feet or face or gently blowing on them can help to rouse a sleepy baby.

Allow your baby to fully finish one side before offering the next side.

Massaging your breast gently during a feed may also help your baby take a full feed and also help drain your breast well. Use the flat of your fingers or palm of your hand.

Try to avoid introducing a dummy in the first month, or until advised by your lactation consultant.

If your baby is healthy and you are able to adequately breastfeed

•

•

• •

•

from the beginning, it is not usually necessary to express your milk. This can be introduced later if needed or indicated. Your lactation consultant will be able to advise you.

After your milk has come in, (around day 4 or 5) you will know your baby is receiving sufficient milk because they will have 6 or more heavy wet nappies per 24 hours.

You will also see your baby’s stools change from black meconium through to soft mustard-yellow coloured poos.

Your baby should be settled between feeds.

Initially most babies will lose a bit of weight but then should start gaining again and be back to their birth weight by about 2 weeks of age. After that, they should put on an average of 150 grams per week.

If you or your baby are having any difficulty with feeding, get help from a lactation consultant as soon as possible.

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

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

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Health and Safety Risks for Construction Industry Trades

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

In my last article I outlined the general obligations that employers have under the OHS Act. I will now elaborate on the risks that exist for construction industry trades businesses and workers.

Lacerations, fractures, traumatic joint injuries, hearing loss, musculoskeletal disorders, mental health issues, and lung conditions, are some of the major health risks that tradies commonly face. According to Safe Work Australia, tradespeople make up 30% of the workforce but account for 58% of serious workplace injury claims.

Hazardous manual tasks are part of a tradie’s average workday and can include: • • • •

Sustained awkward posture High, repetitive, sudden, or sustained force Repetitive movement Exposure to vibration.

Such tasks can lead to musculoskeletal conditions, such as: • • • • • •

Muscle, ligament, and tendon sprain or strains Back injuries Degenerating joints and bones Nerve injuries or compressions, including carpal tunnel syndrome Soft-tissue injuries Chronic pain

Tradies in the construction industry also have a higher risk of experiencing mental health issues than workers in other professions, research has found.

Employers must manage the health and safety risks of staff undertaking hazardous manual tasks, requiring them to analyse work systems, workplace design, and layout, including environmental conditions. This will provide insights into minimising the risks.

Proper documentation of these systems is crucial, including the results of reviews and the follow up that has taken place.

You can have the best systems in the

world but if you don’t properly document things, who can see this? How do you demonstrate to WorkSafe Victoria that you are serios in your efforts to safeguard the health and safety of your employees?

So what does this mean for you and your business? What steps do you need to take to ensure that you are in step with your obligations to keep yourself and your employees health and safe? How do you keep yourself safe from prosecution?

This is where I, Mark Felton at Beaumont Advisory, can provide guidance and support, and provide peace of mind. I can be contacted on 0411 951 372 or mfelton@beaumontlawyers.com.au , and offer a cost and obligation free initial meeting to review your current position.

Occupational Health & Safety BEAUMONT LAWYERS www.thebeaumontgroup.com.au

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How Healthy is your Home Loan?

Time for a Home Loan Health Check MORTGAGE BROKER

By Jodie Moore

As a mortgage broker I regularly come across people who have had a Home Loan with the same lender for five years or more. They have simply been paying the required repayment without ever thinking about what the current interest rate is, the fees that are being charged and what other lenders may be offering.

So how can having a Mortgage Broker conduct a regular Home Loan Health Check benefit you?

There is one very significant reason why you should have your Home Loan regularly reviewed: TO SAVE YOU MONEY. In the current environment it is a mistake to assume that your current Home Loan is providing you with the best value. By having your loan reviewed a Mortgage Broker may be able to present products from lenders offering lower interest rates than you are paying currently. This could potentially save you thousands on interest costs or help you pay your loan off sooner.

You may also have some smaller debts, such as credit cards or personal loans, that are charging higher interest rates but could be consolidated into your Home Loan. This could help repay these debts sooner by reducing the costs of these debts but would also simplify your finances, reducing the number of loans and repayments being made to multiple lenders.

Even without refinancing your Home Loan to another lender, your Mortgage Broker may be able to negotiate a better deal with your current lender. It costs a lender a lot more to attract new borrowers than to keep their existing customers, which is why they invest a lot of money in business retention teams. By looking at what competitors are offering your Broker can use this information to leverage a lower rate with your existing lender.

Another benefit of having a Health Check is to ensure the type of loan you have remains the most suitable to meet your current needs. Offset, redraw, the ability to make extra repayments or switching your rate between fixed and variable rates are all options your Mortgage

Broker can review for you.

It is also important to note that a mortgage broker is required to act in their client’s best interest by law, which is different to the requirement on a lender when you deal with them directly. That is why the best person to review your Home Loan is your local Mortgage Broker. At Find Home Loan we are already proactively helping our clients negotiate a better rate with their current lender, reviewing their existing loans and discussing ways to potentially save our clients thousands of dollars. We would love the opportunity to help you too.

Please call Jodie Moore on 0402 513 213 should you want to discuss your options.

MORTGAGE BROKER FIND HOME LOAN www.findhomeloan.com.au AUGUST 2021 | FIND MANNINGHAM

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Elderly loved ones need to be heard!

ACCREDITED EDITOR

By Susan Pierotti

There is an ancient African proverb that goes something like this: ‘When an old man dies, a library burns to the ground.’

As there were few libraries in ancient Africa, what does this mean? Libraries are collections of books, of people’s words, thoughts, dreams and visions for the future. They are also a deposit of memories.

Next time you are in your local library, check out the extent of the biography and history sections. All those books are records of people’s impressions of the past that now enable us to develop new and better destinies if we learn from them.

While you’re there, check the names on the book covers. Do you know them? Are they famous? Some are, many aren’t.

Many were in fact ‘ordinary’ people who told extraordinary stories. These kinds of people live all around us. You know and are related to them – they are our grandparents, our neighbours, the lollypop lady at the school…Everyone has an interesting story to tell.

Older people tell the best stories According to science, it’s a fact that older people are the best storytellers.

A study by the European Journal of Cognitive Psychology showed that while older people are often hindered by a decline in working memory, they more than make up for this with an exceptional storytelling ability that proves the adage: the older you get, the wiser you become.

When a group of college students was asked to recall recorded stories from people of disparate age groups, they overwhelmingly remembered more of the stories told by older individuals.

There are a few reasons this could have been the case: •

•

Researchers speculate that the characteristics of older people's voices are better suited to conveying oral information.

Younger people have an association with older people telling them stories as it’s thought that this might evoke memories of their own grandparents

•

telling them stories when they were younger.

Older people make a conscious attempt to make stories as entertaining as possible, even if it means shunning objective accuracy to do so.

So it may be in part a self-fulfilling prophecy, but it's a confirmed scientific fact that older people are the best storytellers!

Why record older people’s stories?

Besides older people loving to tell stories, they also love to feel valuable. After they have brought up children, worked hard, paid their taxes and maybe fought in the war, when their bodies start to decline and finances can be a bit stretched, they are often lonely. Their friends have dementia or have begun to die, their families are far away or don’t visit often (even with the best intentions) and they don’t speak the language of the nextdoor neighbour from a foreign country.

How sad that after a lifetime of contributing to society, no one seems to want to know them, to value them, to think they are important still. The 2020 COVID lockdown highlighted this with the shocking cases of neglect in some nursing homes.

Did you know that half an hour over a cup of tea with an older person do wonders for their self-esteem? And what better way to give them that sense of importance than letting them star in their own story!

How to begin Now, being pragmatic, we don’t have the time to devote to our elderly loved ones as much as they would like. There is work to be done, children’s activities to plan and go to, business meetings, the shopping, the washing etc.

One solution is to hire a life story professional, someone who has the time, to bring out your loved one’s best stories and make sure the story creation process is a fun and memorable experience. They will think of things to ask that the family take for granted without really knowing the details. The older person will blossom as it will be someone not related to them now paying attention to their every word.

Stories will come out that have been hidden for decades, uniting families and cementing identities.

So, build the legacy your elderly loved ones deserve!

Creative Text Solutions is a member of Life Stories Australia that assist people to tell their stories in many different formats.

Contact us today at susan@creativetext. com.au to help you record your elderly loved ones’ stories.

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

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What Builders Need To Know About Installing Garage Doors GARAGE DOORS

By Chantal Djuric

Can you remember what you were doing nine years ago? Let me take you back to the evening of 3 February 2011. You may have been enjoying a barbecue in the garden, the kids were probably grumbling about being back at school or possibly you were all down at the beach.

The people of north Queensland were busy battening down the hatches on everything that moved, preparing for the most horrific night of their lives. About to hit their homes was the largest cyclone to invade Queensland since 1918 – Cyclone Yasi.

The storm caused an estimated $3.5 billion in damage, making it the costliest tropical cyclone to hit Australia on record. Overall, approximately 1,000 people reported significant damage to their homes. In Townville, roofs were torn off buildings and sent hurtling down the streets. Residents reported the sound of glass breaking throughout the night as windows were broken as the storm moved through. There was also severe damage to the fittings and outside fabric of people’s homes. One of those items on the outside was garage doors.

Colin Blair, CEO at the time of Standards Australia, reported: ‘It became clear that garage doors were a point of weakness during Cyclone Yasi. As a result, our technical committee has updated the Australian/New Zealand Standard to improve building resilience.’

The AGDA is the industry voice of the Australian Garage Door Industry, set up to promote professionalism, safety and compliance for all the products and installation involved in the largest and heaviest moving part of a building; namely, the garage door. At the time of Cyclone Yasi, the President of AGDA,

Mike Fraser, lobbied the government to enforce full mandatory compliance to Australian and New Zealand (ANZ) standards to achieve building resilience.

Things builders need to know Mike Fraser said: ‘The responsibility does not fall on one party. It is in fact the responsibility of the installers, builders and designers of buildings to ensure compliance in relation to garage doors, not just manufacturers.’

The relevant Standard for Doors (as noted in the National Construction Code/ Building Code of Australia for cyclonic wind areas) is cited as AS/NZS 4505:2012 ‘Garage doors and other large access doors’, and includes information that installers, builders and building designers need to have an understanding of, such as information regarding the loads that the doors apply to the buildings, as well minimum performance requirements for structural loads applied to the substrate to which the door is affixed.

This Standard for Doors applies to the whole of Australia, not just in cycloneprone areas.

You as a builder also will need to obtain an occupancy permit if the building work will adversely affect the structural soundness of the building, including the garage.

Working with a garage door technician The good news is that garage door technicians prefer to collaborate with builders concerning garage door installation. There are several advantages for the building owner when this happens.

Collaboration between all parties means that the cost of the door will be cheaper for the building owner because you, the

builder, will get a discount price due to the quantity of doors you buy for all your other current projects.

Builders get also get the warranty that the building owner would get; this means that the garage door itself is covered from the time of purchase, not just after it’s installed.

If you’re a builder, give the garage door business you’re working with a copy of your OH&S standards before the technicians arrive onsite as these are what garage door technicians will follow. When it comes to invoicing, don’t be afraid to ask a package rather than itemised and separate invoices, if that’s your preference to suits your budget. An experienced garage door business will expect this.

If you are working on a repair job for insurance purposes, an professional garage door business will understand the need for timely repairs to meet your and the insurer’s KPIs, they will have ready and open communication between the insured and the case managers and offer a good standard of workmanship.

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

Chantal Djuric Garage Doors Cruzin Garage Doors www.cruzingaragedoors.com.au AUGUST 2021 | FIND MANNINGHAM

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Make Sure Your Business Gets the Attention It Deserves SIGNAGES

A-FRAMES

By Glenn Martin

Right now, more than ever, it is imperative to stand out from the rest. Let your local community know that you are open, professional and ready for business. At Signarama, we understand the value of creating quality signage to promote your brand and drive sales. We have worked with many well-known national and international brands across a wide range of industries. From A-Frames and Flags, Window Decals, Floor Decals, Corflute Signs, Café Barriers and much more, our team of experts will help you create eyecatching and effective signage solutions to suit your brand and budget.

FLAGS

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

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

FLOOR DECALS

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

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

FLOOR DECALS Transforming your floors into an advertising space, floor graphics are gaining popularity in shopping centres, trade shows, airports and high traffic areas for brand awareness, wayfinding, safety signs and promotions.

CORFLUTE SIGNS

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WINDOW GRAPHICS

Our graphics are printed in full digital colour onto a self-adhesive vinyl with anti-slip and scuff resistant laminate on top. The vinyl we use will depend on how long you need the graphic for. We can die-cut to any custom size or shape. The floor should be a smooth sealed surface, like painted concrete, tiles or laminated floors.

CORFLUTE SIGNS Corflute can be thought of as plastic corrugated cardboard. Suitable for both indoor and outdoor use, corflute signage is a cost-effective solution for advertising or informational signage. Popular with real estate agents, sporting clubs, construction sites, and event organisers.

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

WINDOW GRAPHICS Window decals, or window graphics, are a very effective way for any business to showcase their brand, top selling products, services or creative flair. Window graphics can be solid, translucent, one way vision, frosted, full or single colour, everything we make is custom and we love creative design challenges.

Have a signage project in mind? If you already have a design, simply send us the files and we will be in touch to start the process, including a free consultation and site audit to help your business stand out from the crowd. If you’re unsure of exactly what you want to say, or how you’d like it to look, that’s okay too, just contact the team on 1300 633 902 and together we’ll create the perfect signs for your business and to ensure you get current promotions, follow us on Instagram @Signarama_Mitcham.

CORPORATE EVENTS Make more meaningful connections with your clients and team!

Visit www.norwoodsportingclub.com.au, call 0467 676 753 or email enquieries@norwoodsportingclub.com.au

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Favourite Coffee Cocktails COMMERCIAL COFFEE MACHINE

By Ivana Smith

On a rainy dull day, imagine a log fire merrily burning at your feet and toasting your toes, wrapped up in a snuggly rug, your beloved by your side. Your hand reaches out for a mug of coffee...Now expand that image further – what if that coffee were a coffee cocktail?

Cocktails served hot You’ve probably heard of Irish coffee. The invention of this drink was first recorded in 1943 when a plane was forced to make an emergency landing in Ireland due to bad weather. The local chef and bartender, Joe Sheridan, combined Irish whiskey with coffee to warm the passengers up. They didn’t complain, and neither have the millions who’ve enjoyed it since!

To make one, heat a glass and pour hot coffee into it until it is three-quarters full. Add two sugar cubes, fill to the top with Irish whiskey and top with cream – simple but potent and delicious! It is still one of the world’s most popular coffee cocktails.

There are so many variations on the Irish coffee. Replace the whiskey with bourbon for a Kentucky coffee, or tequila and Kahlua for a Mexican. Here’s the French version, called café amore: replace the whiskey with an ounce each of cognac and amaretto and top with whipped cream and slivered almonds – very chic!

If you would like to experiment with flavours, as a general rule, Baileys and coffee-flavoured liqueurs Kahlua and Tia Maria are most often with black coffees, but you can also spice up your cocktail with whiskey, bourbon, rum or vodka. Vanilla-flavoured vodka adds a particular sweetness, whereas caramel vodka will add a major flavour boost to milk-based coffee drinks such as macchiatos or lattés.

So cool cocktails Try pouring a shot of Amaretto (almondbased) or Frangelico (hazelnut) over an affogato. But there’s more!

As a summer refresher, why not indulge with a White Russian. Fill a glass with ice and pour in vodka, cold milk or cream and cold coffee brew – easy, quick and amazing!

You could also try a Kahlua coffee soda.

Fill a glass with ice, pour in 1½ ounces of Kahlua, coffee and add 2-4 dashes of bitters, fill with soda water, top with cream. For a Kahlua iced coffee, replace the bitters and soda water with cold milk.

Then there’s the iconic Espresso Martini.

Remember to cool the coffee first before shaking it up with 60 ml combined Kahlua and vodka. The iconic frothy layer on the surface of comes only from real espresso coffee from a proper coffee machine that gives you a nice crema (the velvety layer of foam on the espresso). Using instant coffee granules, a plunger or anything similar won’t give you the same result, no matter how vigorously you shake the cocktail shaker. If you don’t have a proper coffee machine, just add egg white; without altering the taste or texture of the cocktail, once shaken, the egg white makes an awesome froth on the surface. By the way, you need the foam to float coffee beans on the top.

An Espresso Martini has a high alcohol content, the equivalent of standard drinks, but the flavour of the coffee flavour disguises the alcohol – beware!

What do you drink on a dark and stormy night? A Dark and Stormy cocktail, of course! Fill a tall glass with ice and pour in 25 mls each rum and tequila and stir.

Top with ginger beer and slowly pour in cooled espresso. What a zing!

Cocktails for under-18s (and adults!)

Non-alcoholic coffee cocktails can be made by adding syrups with flavours such as hazelnut or chocolate liqueur.

Top them with cream, ice cream and shaved or sprinkled chocolate and or silvered nuts.

The Coffee Orange Mocktail one is so simple to make, you could make in the office. Pour the juice of half a freshly squeezed orange into a glass, add ice cubes and soda water. Stir in a teaspoon of honey into hot coffee and pour over a spoon onto the ice cubes. Give a final stir before enjoying!

Be aware that coffee cocktails tend to be sweet, adding a fair amount of sugar in each glass. One a week as a treat would be plenty – though they are so delicious that more than one is very tempting!

For advice on coffee and how to supply it to office spaces, workplaces 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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SMSF Trustees need to prepare for the Retirement Income Covenant (RIC) FINANCIAL PLANNING

By Warren Strybosch

The Retirement Income Convent is set to come into force on 1 July 2022, and this will apply to all superannuation funds including Self-Managed Super Funds.

The retirement income covenant (RIC) proposed by the federal government in 2018, that was meant to be in force in 2020, and now looks to come into effect on 1st July 2022, will require all superannuation funds, including SMSFs, to have a documented strategy to identify the retirement income needs of fund members and provide a plan to service those needs.

When the position paper was first released, the Digital Economic Minister, Jane Hume, said: “The introduction of the retirement income covenant is an important step in encouraging the further development of the retirement phase of superannuation.

“The covenant will codify the requirements and obligations for superannuation trustees to improve retirement outcomes for individuals, while enabling choice and competition in the retirement phase.”

Sally Evans, director at Allianz Retire Plus, when discussing the proposal, said: “The covenant is essential because our industry is so heavily weighted to the accumulation phase of retirement.

A covenant will help us focus on the purpose of superannuation and what is the right way for individuals to smooth their income to last a lifetime”.

Currently, retirees are unwilling to draw down their capital in retirement for fear of running out of money. Allianz Retire Plus surveyed many retirees, and 61% were fearful of running out of money more than they were worried about dying.

they believe it is possible for retirees to increase their standard of living by better utilising their assets in retirement.

It is likely to lead to a greater variety of products being made available after the covenant comes into play. Dr Deborah Ralston, who sat on the Retirement Income Review, said: “I can see in a decade how superannuation funds will have a portfolio of products sitting on their platforms for retirees to help them through that phase of life.”

However, it is our belief that many products will come and go, and retirees will find it hard to move away from the products they are so familiar with e.g. allocated pensions with access to a variety of investment options, and lifetime income streams or annuities providing a guaranteed income stream.

What we are sure of is the additional cost this will place on SMSF Trustees, who will be required to provide an Investment Strategy that meets these new requirements related to the RIC. The paper states: “Trustees are required to formulate, review regularly, and give effect to a retirement income strategy for the retired members of their fund, and the members of their fund approaching retirement. The strategy can be formulated for all members in generality, or cohorts of members in generality, as identified by the trustee.”

“People don't know how long they will live, how long they will work or what their health status will be. Those uncertainties play out in fear and a lack of confidence.

That creates an enormous challenge for people to overcome,” said Evans.

Already we have seen auditors requesting more details regarding the investment strategy. Given most accountants cannot develop an investment strategy, trustees have had to engage financial planners to prepare the investment strategy which has placed increased costs on the SMSF members.

A key finding of the Retirement Income Review, which has led to the RIC, is that

When the RIC comes into play, auditors will be scrutinizing the investment

the RIC requirements. Our opinion is that modelling will have to form the basis of each investment strategy so that trustees can demonstrate how the investments will give effect to member’s retirement.

In other words, the investment strategy will need to show that the investments will indeed benefit the members and compared to other options, it was a suitable one at that. It will also need to be reviewed annually.

Interestingly, according to the paper, the development of the retirement income strategy would not fall under the provision of giving financial advice to members. The paper states that “the retirement income strategy expresses the broad actions the trustee will take to assist their members to balance key retirement income objectives and does not consider the specific circumstances of individual members.” We believe this is wishful thinking now that the Westpac has lost their case in the Supreme court where the mere consideration of a client’s information is now deemed to be providing financial advice.

Given the retirement income strategy will need to take into consideration the members balance, future goals, risk profile, age or retirement and so on, it is more likely the development of the RIC will require input from financial planners.

The paper is open for consultation until 6 August and further consultation on exposure draft legislation will take place later this year.

Subject to the passage of legislation, the covenant will commence from 1 July 2022.

All in all, SMSF trustees can expect the ongoing costs of managing a SMSF to rise.

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The trip of a lifetime If you were planning the trip of a lifetime, no doubt you’d make a list of all the things you wanted to see and do. You’d work out an itinerary and a budget and start doing the things that would make your dream a reality.

At [XYZ Financial Planning] we help people just like you with questions like these:

Where is the money going and how can we manage ‘smarter’?

Can we have the house we want?

How can we save for a home deposit?

How can we repay the mortgage sooner?

Can we send the kids to private school?

Do we go round the world on a cruise or see Australia by caravan?

Should we move or renovate?

What about working less/going part time?

Can we buy an investment property?

Are our investment properties working for us?

How can we help our kids get ahead?

When can we retire?

What if we retired earlier?

If one of us has a career break, will we be okay?

Our strategic advice service is aimed at helping you see all the options you have for your financial trip of a lifetime, so you can make good decisions.

We’ll show you a detailed before-and-after picture of your finances and discuss different ways you can improve your outcomes.

Then, when you’ve decided on the path you want to take, we will help you along the way.

To plan planyour yourtrip tripofofaalifetime lifetimecontact contact our office today 1300 88 or 38 30 To our office today on on XXXXXXXX XXXXXXX to an schedule an appointment. to schedule appointment.

This information is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation and needs (‘your circumstances’). Before acting on such information, you should consider the appropriateness of the information having regard to your circumstances. [ClearView Financial Advice Pty Ltd] or [Matrix Planning Solutions Ltd] claims copyright in this material and no part may be reproduced without its permission. [Company name], Corporate Authorised Representative [Corporate authorised representative no] of [ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367] or [Matrix Planning Solutions Ltd ABN 45 087 470 200, AFSL and ACL No.238256].

Trip of a lifetime

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10 essential reasons why you need an adviser Financial security

1 2

Building your customised plan, regularly reviewing it, making adjustments and monitoring progress to help achieve your goals.

3

Education and coaching Coaching and education to prevent reacting to short term volatility and trends which undermine long-term objectives. Avoiding the psychological effect of buying high and selling low.

Tracking progress towards your goals

Building wealth and protecting your future with insurance.

Keeping you accountable

4 Tax-smart planning

5

6

Checking you are on track for lifestyle goals and retirement, adjusting insurances as your needs change.

7

Avoiding unnecessary risk with market movements and ensuring asset allocation remains aligned to your life stages and helps you reach your goals.

8

9

Ongoing access and help from someone who knows you and your situation.

10

Preventing mistakes A lot can go wrong without significant time and skill to implement, monitor and adjust your financial plan. Assisting with insurance claims to make sure you get the right outcome.

Rebalancing

Sounding board

Ensuring that investment structures are the most tax effective and strategies are maximising available concessions. Staying up to date with relevant tax laws and changes that will impact you and helping you to avoid unexpected surprises.

Update strategies when your life and legislation changes

How much value can a financial adviser add?

5.2%+p.a.*

(Asset allocation 0.9%, Behavioural mistakes 2.2%, Cost of cash 0.6%, Tax effective investing 1.5%) *2020 Value of Adviser Report from Russell Investments

This information is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation and needs (‘your circumstances’). Before acting on such information, you should consider the appropriateness of the information having regard to your circumstances. [ClearView Financial Advice Pty Ltd] or [Matrix Planning Solutions Ltd] claims copyright in this material and no part may be reproduced without its permission. [Company name], Corporate Authorised Representative [Corporate authorised representative no] of [ClearView Financial Advice Pty Ltd ABN 89 133 593 012, AFSL No. 331367] or [Matrix Planning Solutions Ltd ABN 45 087 470 200, AFSL and ACL No.238256].

CVDG_0392 05/21

Planning

AUGUST 2021 | FIND MANNINGHAM

33

34

FIND MANNINGHAM | AUGUST 2021

Current Services

findmannigham.com.au

View current services

It's great to be able to welcome you back to the library!

Most libraries currently have a limit of 100 people at any one time, with the exception of Bayswater (85), Belgrave Express (30), Montrose (34), Mooroolbark (78), Realm (100 per floor/300 in building), and Yarra Junction (94).

Call + Collect services remain available if you would prefer contactless service. Call your local library to arrange a selection of library items for collection.

In-person Storytime has been suspended until further notice. In the meantime, Online Storytime is continuing on Facebook, weekdays at 11am. Kids can also enjoy a wide range of 'boredom buster' activities on our YouTube page, presented by our Children's Librarians.

Conditions of entry: • • • • • •

Library Users must register their visit by using the ERL QR Code Kiosk or by registering via their own personal device (a family group can enter one registration).

A face mask must be worn at all times, unless the person has a *lawful reason not to.

The hand sanitiser provided must be used before entry to the library.

Please do not enter the library if you are unwell. You may be requested to leave if you display any symptoms of being unwell.

Whilst every care will be taken, library customers are using our facilities at their own risk.

In the interest of health, safety and well-being to all, members must comply with all directives from the nominated Officer-in–charge.

Celebrate National Science Week at Your Library!

National Science Week is Australia’s annual celebration of science and technology. From 14-22 August, Your Library will be coming to the party with a great range of events and activities for children and adults!

Events include: • Family game night • Cheesemaking • Build your own computer • My invention, my story • Art with robots, and more!

• Bookings essential as places are limited!

View Program

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Meet Merryn Glover

AUGUST 2021 | FIND MANNINGHAM

35

Book Now

Thursday, 12 August at 7pm - Online event Join us for an unmissable live digital event with Merryn Glover for the Australian launch of her new novel, Of stone and sky. The hour includes readings, author interview, Q&A and videos of the book's stunning Scottish Highlands setting.

This is a FREE online event - bookings are essential. Please attend using your internet connected computer or mobile. The event's URL will be delivered to your email inbox before commencement.

Short story competition

Enter Now

Students living or studying in the City of Maroondah are invited to submit a short story (max 200 words) answering a question about a special older person in your life, for a chance to win a $100 book voucher.

Base your short story on the question from the correct category: • • •

Preschool to Prep - Why is your special older person great?

Primary School - How has an older person helped you in your life?

Secondary school - How has an older person shaped/changed your life?

Closes 8pm Wednesday 1 September.

This competition is part of Maroondah City Council's 'Tackling Ageism Together' initiative.

AUGUST 2021 | FIND MANNINGHAM

35

2021 TA Super contribution age limits to change Members of regulated superannuation funds now have no restrictions for making voluntary contributions prior to reaching 67 years of age.

nnouncement(17-Apr-2019)

The new legislation also extends the ability for members to make bring forward contributions, making more individuals eligible to make 3 years' worth of contributions.

Consultation(3-Apr-2020) Introduced(13-May2020) Passed(17-Jun-2021) Royal Assent(23-Jun-2021)

The legislative and regulatory changes only relate to voluntary contributions, as employer contributions

Date of effect(1-Jul-2020)

have different rules relating to individuals over the age of 65.

FBT exemption for retraining and reskilling An exemption from fringe benefits tax has been proposed for when an employer provides an employee with retraining or reskilling opportunities at or prior to redundancy.

This new law takes effect from 2 October 2020, and is now law.

Announcement(6-Oct-2020) Consultation(29-Apr-2021) Introduced(26-May2021) Passed(24-Jun-2021)

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

Royal Assent(29-Jun-2021)

about to be made redundant. For employers, it is an opportunity to provide a group of employees with

Date of effect(2-Oct-2020)

training opportunities in situations where part of the business is due to close down in coming years.

Low and middle income tax offset The low and middle income tax offset (LMITO) was introduced in the 2018 federal budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents.

Originally due to run over 4 years, in the 2020 federal budget phase 2 of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of 30 June 2021.

Announcement(8-May-2018)

In the 2021 federal budget it was announced that LMITO would be extended to the 2021-22 income year.

Consultation(11-May-2021)

Legislation to enact this change has been passed by both houses of parliament and will become law in

Introduced(26-May-2021)

the very near future.

Passed(25-Jun-2021) Royal Assent(29-Jun-2021)

The LMITO will provide an additional offset of up to $255 for individuals on a taxable income of $37,000 or

Date of effect(1-Jul-2021)

less. Taxpayers up to $48,000 will get an increased LMITO up to the maximum amount of $1,080.

The maximum LMITO is available for Australian residents on incomes up to $90,000 and will tapers off to $0 for individuals with a taxable income of $126,000.

Granny flat arrangements set for CGT exemption A "targeted" capital gains tax exemption relating to granny flat arrangements has passed through parliament and will become law.

The intention of the new legislation is to remove financial impediments when a granny flat arrangement is legally created. A formal arrangement would generally trigger CGT event D1, which often leads to informal

Announcement(6-Oct-2020) Consultation(29-Apr-2021) Introduced(26-May-221)

arrangements. As family is usually involved, often it is these informal arrangements which can inevitably

Passed(25-Jun-2021)

lead to financial and elder abuse.

Royal Assent(29-Jun-2021)

The CGT exemption will have effect from 1 July 2021 after receiving royal assent.

Date of effect(1-Jul-2021)

AX UPDATES Unpaid present entitlements and extension of repayments Unpaid present entitlements (UPE) to private companies initially under an interest-only loan may be extended on final repayment date. The practical compliance guideline deals with a UPE that was put in an investment deal in accordance with PS LA 2010/4. If there is a balance to be repaid at the end of the investment period, it may become a new Div 7A loan.

30 June 2018 is the first year in which an interest-only loan at benchmark rates is due to be repaid after the issuing of PS LA 2010/4. That is, 7 years after the initial UPE was put on a sub-trust from the 30 June 2010 year.

Announcement(19-Jul-2017) Consultation period(19-Jul-2017) Released(19-Jul-2017)

The PCG has recently been updated to relate to arrangements ending in the 2017, 2018, 2019, 2020 or 2021 income years.

Family groups using this strategy may benefit from utilising this extension of time to repay the initial unpaid present entitlement from the 2009-10 income year.

Business support grant for 2021 greater Sydney lockdown An economic stimulus payment is due to be made for businesses under $50 million in annual turnover amidst the June-July 2021 greater Sydney COVID lockdown. The new business support payment will be available for businesses who can demonstrate a 30 per cent decline in turnover. It is understood that the support payment will be made through the ATO running balance account. An eligible entity, including not-for-profit entities, will receive payments of between $1,500 and $10,000 per week based on the level of their payroll. Non-employing sole traders will receive $1,000 per week. To receive the payment, an eligible

Announced: 13-Jul-2021 Updated: 14-Jul-2021

entity will be required to maintain their number of employees held as at 13 July 2021. These temporary cash flow boosts are available where a business has been locked down by public health order for at least three weeks. The business is required to be based inside a Commonwealth Government declared hotspot.

COVID-19 Disaster Payment increased for extended lockdown Changes to the support payment for individuals who are unable to work during a COVID-19 lockdown were announced by the federal government on 13 July 2021.

The COVID-19 Disaster Payment was initially a payment of $325-500 a week for people who reside or work in a Commonwealth declared hotspot, depending on the hours of work a week lost by a person.

The enhanced support sees the payment rate increase to $375-600 for eligible periods due to a Commonwealth declared hotspot.

The announcement also extends the availability of the payment to:

Announced: 3-Jun-2021 Updated: 21-Jul-2021

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

Like other support payments, it will be available through Services Australia. Further details on the payment and key eligibility dates can be accessed on the Services Australia website.

See More AUGUST 2021 | FIND MANNINGHAM

37

AUGUST 2021 REALESTATE

REALESTATE FIND AUSTRALIA’S #1 PLACE FOR PROPERTY

HOUSE OF THE MONTH

Free RENTAL LISTING Advertising for Real Estate Agents

Email your Rental Listings to Find Manningham each week and we will update your Listing in the online community paper for FREE. If Ifyou Warrenon on1300 130088 8838 383030 youhave havequestions, questions, contact contact Warren email:editor@findmanningham.com.au editor@findmanningham.com.au ororemail: AUGUST 2021 | FIND MANNINGHAM

39

Manningham Addressing Homelessness In Our Suburbs The number of homeless people is growing in our suburbs and COVID-19 has further impacted the vulnerability of those who sleep rough without a safe place to call home.

Manningham is among 13 eastern and south eastern councils uniting to address homelessness with a best practice guide launched during Homelessness Week, the Housing First for People Sleeping Rough Practice Guide for Local Government.

According to the ABS 2016 Census*, on any given night pre-COVID-19, more than 116,000 Australians and almost 25,000 Victorians were homeless, including 7,490 across the 13 municipalities and 220 in Manningham.

In 2019, Manningham and the other councils formed the Regional Local Government Homelessness and Social Housing Charter Group to end homelessness and advocate for more social housing. The 2016 Census found 32 per cent of Victorians without a home lived in this region.

Led by Monash Council, the Charter Group Councils recognised the growing need for suburban and local government advocacy for our most vulnerable through improved supports and more permanent and safe housing.

The municipalities include Bayside, Casey, Cardinia, Frankston, Greater Dandenong, Knox, Kingston, Manningham, Monash, Maroondah, Mornington Peninsula, Whitehorse and Yarra Ranges.

Housing First for People Sleeping Rough Practice Guide for Local Government acknowledges homelessness is a complex issue requiring a triage of support including mental health, but the first step needs to be providing a safe and secure home.

The guide outlines the problem and possible solutions based on current best practice. It draws on evidence-based research about the value of social housing across the local government sector and communities, with an emphasis on the ‘Housing First’ model.

Housing First is based on consumer choice, harm minimisation, human rights and collaboration. It relies on adequate housing supply and coordinated support services.

Manningham is advocating for systemic change to improve the supply of permanent, safe, appropriate and timely housing for those who need it, and to embed Housing First as a key foundation principle.

We believe by working together with other councils enables us to share ideas, develop best practice protocols, resources and set benchmarks.

As the closest level of government to the community, we are well-place to provide ground-level services and make a difference.

Homelessness Week is an opportunity to reflect on what having a home means and what it might be like for those who are homeless. If there’s one thing that COVID-19 has highlighted, it is the importance of a home for everyone.

For more information social housing in Manningham, visit manningham.vic.gov. au/social-housing-and-homelessness

Council News AUGUST 2021

Ruffey Lake Park Masterplan Endorsed A new landscape masterplan for Ruffey Lake Park has been given the green light, to make the park more accessible while preserving its diverse natural environment and historic qualities for years to come.

Following two rounds of community consultations and with more than 1,000 community members providing feedback, Manningham finalised the Ruffey Lake Park Landscape Masterplan 2021, giving the park a clear direction for its future design, development and management over the next 15 years.

Manningham Mayor Cr Andrew Conlon said the masterplan outlined Manningham’s commitment to open space that is connected, safe and accessible to the community.

“Thank you to everyone who took part in the consultation process, providing valuable input on the draft masterplan and priority works in the park,” he said.

The top elements the community are most excited about are: •

•

path widening connections

and

additional

•

toilet and infrastructure upgrades, including changing places at The Boulevarde and new toilet at Church Road North

•

accessibility improvements including a new boardwalk and bridges

•

upgrades to the existing play space, including water play.

Initial works on the exercise stations and tree planting will begin by the end of 2021.

The Masterplan also makes considerations to projects identified in the Waldau Precinct Masterplan 2019 including a major upgrade of play equipment and a new café at Victoria Street Playground.

To see the full Ruffey Lake Park Landscape Masterplan 2021, visit yoursay. manningham.vic.gov.au/ruffey-lake-park

new tree planting

Recognising Our Local Heroes The search is on for our local community heroes, with nominations for this year’s Manningham Civic Awards now open.

Manningham Mayor Cr Andrew Conlon said following its cancellation in 2020 due to COVID-19, the Awards are back for 2021.

“The Awards recognise residents who’ve made exceptional contributions to our community through volunteer, paid and unpaid work, in particular during the past year with the pandemic,” he said.

Nominations cover five • • • • •

for the Civic Awards categories, including:

Citizen of the Year Young Citizen of the Year Volunteer of the Year Sports Achiever of the Year Community Achievement Award.

The Awards recognises those who have shown leadership, inspiration or dedication to a cause and contributed to the wellbeing of our community.

“Over the last 12 months, we saw how our communities banded together, helping each other during restrictions and beyond,” Cr Conlon said.

“Every day, many people volunteer in our local sporting clubs, community groups and other programs, making a significant difference to the lives of our community. It highlighted just how important connected communities are and how dedicated our local volunteers are to Manningham.

“This is our chance to say thank you and to celebrate their contribution”.

In 2019, member of the Chinese Senior Citizens Club, Hardy Shum, won the coveted Citizen of the Year award.

“When I was nominated I was so overwhelmed,” he said. “One of my greatest experiences as Citizen of the Year was showing my community that if you work hard for your community, you can achieve great things.”

All applications received for the 2020 Awards will automatically be included in this year’s nominations.

Nominations will close on Wednesday 15 September, and subject to COVID-19 restrictions, winners will be announced at an Award Night Gala Ceremony on Wednesday 20 October.

For more information and to nominate, visit manningham.vic.gov.au/civicawards AUGUST 2021 | FIND MANNINGHAM

41

Are you Not-For-Profit in Manningham Area?

Advertise your events for FREE on the following pages.

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

Manningham

SUPPORT YOUR LOCAL NOT-FOR-PROFIT

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FIND MANNINGHAM | AUGUST 2021

findmannigham.com.au

findmanningham.com.au

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

SEND US YOUR NEWS!

Manningham editor@findmanningham.com.au

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Doncaster

Westfield Doncaster is a shopping centre 50% owned by Scentre Group and 25% owned by ISPT and 25% owned by Asia Property Fund located in Doncaster, a suburb of Melbourne, Victoria, Australia. As of July 2014, the Westfield Group became two companies Scentre Group and Westfield Corporation.

We’re here to help Please note, due to COVID-19 certain centre services are currently unavailable

Doncaster

We want to let you know the precautions and actions our team is taking to prioritise your wellbeing.

Westfield Doncaster is open and trading, with COVID-Safe protocols in place which are in line with the latest government and health advice. In line with government restrictions, face masks must be worn when visiting us. While incentre, please be sure to observe social distancing and practice good hygiene.

As store hours will vary, we recommend contacting individual retailers ahead of your visit for the most up-to-date information. Please browse stores for contact information.

As per current restrictions, the following apply to our centre:

•

Essential goods and services including supermarkets, pharmacies, butchers, bottle shops, petrol stations, post offices, banks, food stores, newsagents, liquor stores, and pet stores remain open

•

Pubs, bars, restaurants, cafés and food court retailers can also remain open, serving takeaway and home delivery only

•

Gyms and cinemas are closed

•

Beauty and personal services including nail salons, tattoo parlours, spa and massage parlours, hairdressers and barbers are closed

•

Valet at Westfield Doncaster and play areas will close during this period.

Fall In Love With Kmart’s New Living Range

We expect our employees, contractors, retail partners and customers to follow the advice of health authorities at all times. To encourage customers to follow the advice of health authorities we have signage displayed throughout the centre, and our centre and security personnel are on hand to assist customers with current restrictions.

Please check the VIC Government website for the latest advice and information.

We will continue to follow government and health advice as we have done throughout the pandemic. For more information about our COVID-safe protocols, please refer to this page.

Muffin Break: Open for takeaway AUGUST 2021 | FIND MANNINGHAM

47

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

AUGUST 2021 | FIND MANNINGHAM

49

PEOPLE WHO LIVE THE LONGEST

RETIREMENT

By Bernard Kelly

They are known as the Blue Zones – where people live exceptionally long lives.

One is a cluster of Seventh Day Adventurists in California, another cluster is in Nicoya in Costa Rica, the others are basically the entire populations of Okinawa (Japan) Sardina (Italy), and Icaria (Greece).

Dan Buettner, writing in the November 2005 issue of National Geographic magazine, identified the first four in a cover story, "The Secrets of a Long Life” and then published his finding in a book “The Blue Zones” in 1998.

It was later established that Icaria, additionally, met all of the criteria to be included.

COMMON FEATURES But what are the common features of all five? How do these populations actually achieve the widespread ability to live

healthy and vigorous lives well into their 90s, with many living substantially longer? It all revolves around their simple lifestyles. Their diet is heavy on greens and legumes, they exercise daily in their own vegetable gardens, they are far removed from the stress of watching the nightly TV news, they adhere to spiritual values and maintain strong family kinships.

Research published in November 2019, from the Loma Linda University in California concluded that Adventists have a lower cancer risk and a longer life expectancy than the general US population.

This is an important finding for those of us in developed countries, as the study measured the link between lifestyle, diet, disease and mortality of Seventh-day Adventists. We can all learn from these lessons.

PLANT BASED DIET Five simple health behaviours promoted by the Seventh-day Adventist Church

for more than 100 years (not smoking, eating a plant-based diet, snacking on nuts, regular exercise, and maintaining normal body weight) appear increase life span up to 10 years. If cattle can live off plants, why can’t humans?

Barbara Moore proved it can be done.

A famous vegetarian and long distance walker, in 1960 she walked from San Francisco to New York in 86-days, with only nuts, honey, raw fruit and vegetable juice for nourishment. Her mantra was that people could live to be 200 years old by abstaining from smoking, alcohol and sex.

Given this knowledge, perhaps our health system, and particularly the aged care sector, needs to embrace a transition to plant based diets.

Bernard Kelly writes retirement issues.

extensively

on

His contact email is: bernardkellygeelong@gmail.com

AUGUST 2021 | FIND MANNINGHAM

49

PAGE PAGE

PROFESSIONAL SERVICES

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

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INDEX PROFESSIONAL SERVICES • Architect ------------------------------ 59 • Find Accountant ----------------- 58 • Financial Planning ------------- 00 • Find Insurance -------------------- 59 • Bookkeeping ---------------------- 60 • Editor|Copywriter --------------- 59 • General Insurance ------------- 60 • Life Coach --------------------------- 60 • Signages ------------------------------ 61 • Mortgage Brokering ----------- 61 • Solicitor/Lawyer ------------------ 60

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PAGE

PROFESSIONAL SERVICES

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AUGUST 2021 | FIND MANNINGHAM

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

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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

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HOME & GARDEN

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

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HEALTH & BEAUTY

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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 Muscoluskeletal 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

Victorian RSL Lawn Bowls The RSL Victoria bowls teams were very pleased to be able to hold their annual Duke of Edinburgh Shield this year after it was a victim of COVID-19 last year. They managed to get in just before Victoria’s most recent lockdown and chose a glorious autumn weekend in May. Around 1,600 Victorian RSL Service and Affiliate members representing 84 RSL Sub-branches headed to 14 locations across the state to pit their skills against each other for the 2021 Duke of Edinburgh Shield, sponsored once again by Vasey RSL Care.

This year’s Duke of Edinburgh Shield is perhaps its most poignant yet.

Played between RSL sub-branches, the first tournament was held in 1954 between four teams. Now there is about 90 sub-branches involved.

At Moama, RSL bowls co-ordinator John Munro decided to honour Prince Philip’s recent death with something a bit more special.

With Munro leading a flag-raising ceremony alongside Echuca Federal Band bugler Mitchell Clack, players observed a minute’s silence to honour and reflect on Prince Philip’s life to open the weekend’s play.

“Sadly on April 9 this year, The Duke of Edinburgh Prince Phillip passed away ... but we are standing here today, 67 years on, with over 1600 bowlers that compete for the Duke of Edinburgh Shield,” Munro

said during his speech on the day.

“All at the same tournament at the same time, one realises the magnitude of this event.”

The winning teams at each site were: • Moama RSL Gold • Waverley 1 • Inverloch Gold • Rochester • Deniliquin • Melton RSL • Western Composite • Doncaster

• Footscray • Queenscliff/Point Lonsdale • Epping • Lakes Entrance • Bundoora • Kyneton 1 • Moe/Trafalgar

Congratulations to overall winners Queenscliff/Point Lonsdale, and to Waverley 1 in second place.

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Birth, Deaths & Marriages AUGUST 2021

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Birth, Deaths & Marriages AUGUST 2021

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