Find Manningham - July Edition 2021

anningham The

JULY 2021

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LOCAL STORIES

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COLUMNIST ARTICLES

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TAX UPDATES

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REAL ESTATE - RENTAL LISTINGS

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MANNINGHAM COUNCIL NEWS

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BIRTH, DEATHS & MARRIAGES

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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 August 6, 2021. Advertising and Editorial copy closes Monday August 2, 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

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.

Aussies Snapping Up Electric Vehicles

By Tim Dorbin

(Australian Associated Press)

Australians are embracing electric vehicles like never before with a big jump in the number registered across the country, latest figures have revealed.

The Australian Bureau of Statistics says the number of electric vehicles registered in Australia rose by more than 62 per cent to 23,128 in the 12 months to the end of January this year.

At the same time, the total vehicle fleet rose by just 1.7 per cent to 20.1 million.

The fleet rose in all states and territories with Queensland, South Australia and the ACT posting the biggest increases at 2.3 per cent. NSW continues to have the most vehicles on the road with 5,892,206 followed by Victoria on 5,157,172 and Queensland on 4,303.713.

Together the three eastern states account for 76 per cent of all vehicles. Despite the uptake in new electric cars, the average age of the Aussie fleet rose from 10.4 years to 10.6 years.

ABS Director of Transport Statistics Rob Walter said the increase in the number of vehicles on Australia’s road had pushed the vehicle fleet above 20 million for the first time.

He said registrations of electric vehicles had surged for the second year in a row.

It came despite some states moving towards an electric car tax or charge to replace any lost fuel excise, but also amid a rapid expansion of charging infrastructure across the country.

The overall rise of the vehicle fleet also defied the sharp downturn in new vehicles sales early last year when the first wave of the COVID-19 pandemic hit.

The new car market recovered strongly in the second half of 2020 while sales of used cars also rose as more people opted to update their vehicles after travel restrictions ruled out the prospect of overseas holidays.

Diesel registrations increased, rising to 26.4 per cent of all vehicles, however petrol registrations still account for a

majority of the fleet at 71.7 per cent.

Electric vehicles account for less than two per cent.

Among the car brands, Toyota has the most vehicles on the road with 2,978,505, ahead of Holden on 1,575,483 and Mazda on 1,310,979.

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Deforestation Caused By Extreme Weather Events NATURE & CONSERVATION

By Liz Sanzaro

Our recent disaster has many people blaming trees. A knee jerk reaction is to remove any that appear to threaten your property without expert arborist inspection. This may not be the best idea.

Just over 12 months ago we got our first taste of extraordinary winds. They went through sections of the outer east and the Dandenong ranges. We saw how devastating this could be with the old Golf Links estate adjacent to Dorset road taking the full force and mature canopy trees fell across gardens powerlines and in some cases houses.

It is not melodramatic to suggest that repeat events like this will result in deforestation, demonstrating to us the effects of Climate change. As the gales of wind hit, they find opportunities like gullies and ridge peaks where they can gather speed. Trees even those 100 years old stand no chance against 200 km per Hr winds from a generally unusual direction.

Image courtesy of Brisbane times

Unlike European trees Eucalypts do not have a long tap root, but are surface rooted in a thin layer of forest litter and soil where they can absorb the most rainfall. They do this around the drip line, which is just like an umbrella that drips around the perimeter. With trees this is the outside edge of their canopy. This is why the tree protection zone should never be impacted by buildings, vehicles or any other covering that prevents rain from entering the ground.

Once the first trees fall so will the adjacent ones like dominos. As trees grow from saplings, they are supported by nearby ones much like penguins gather in clusters to keep warm. Take out a few penguins amongst the cluster and others are vulnerable to natural forces.

Tree colonies are very similar. This latest enormous loss has left the remaining trees very vulnerable to collapse.

After last year’s loss, this latest event has taken out trees that were left vulnerable; they have now succumbed. Parts of the ranges are totally flattened. Many Councils have lent a hand and have their tree experts, assessing the trees left to see if they are dangerous.

Some residents will be thinking that any

tree within 50 meters of their house should be removed. These people are probably better off leaving the area and living elsewhere. It is perfectly understandable that they don’t wish to experience a repeat performance. However, those who are prepared to live among trees while also paying higher insurance fees will understand how important the trees are.

Trees are our lungs, they are carbon sinks absorbing CO2, they modify temperature both hot and cold, they provide habitat for birds of all kinds from king parrots to kookaburras and tiny wrens. In the under

storey are lyre birds, wombats, echidnas, kangaroos, lizards and a myriad of other creatures that we value highly. Their roots also stabilise the land helping prevent land slip or erosion.

Ensuring regeneration of the ranges is the next challenge, after removal of tonnes of debris that, if left to dry out, will become perfect fuel for any fire. Putting power underground is also a timely method of ensuring power is not so vastly affected in future, and this is being done in some locations where the entire power grid is so badly damaged that it must be totally rebuilt.

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Once this disaster is in hand, replanting will be necessary, including in Maroondah. We are lucky to have two native Nurseries, CRISP in Greenwood Avenue Ringwood and Candlebark Nursery on the corner of Hull road and Taylors road Mooroolbark, just uphill from the CFA. These two nurseries grow plants from local species through seed collection.

People who work at these nurseries are volunteers with great knowledge to assist you in making suitable choices for your property. There are trees that do not grow too tall, above the roof line, and a variety of other plants to choose from. If you have a nearby reserve you can join in planting, the best contact for being included is Derek who can point you to a reserve near you. His number can be found on Croydon Conservation FB page under announcements. Or if using a computer try www.croydonconnservation.org.au click on Volunteer at the top RHS then click on reserves.

New See-In-The-Dark Tech For Eyeglasses

By Aaron Bunch

(Australian Associated Press)

An Australian-made coating that could be applied to standard eyeglasses allows people to see clearly in the dark, revolutionising night vision.

The first-of-its-kind thin film could be used by defence personnel, police and paramedics, who are often required to work at night The technology could also make it safer to drive at night and walk home after dark, the Australian National University says. “We have made the invisible visible,” physicist Rocio Camacho Morales said.

“Our technology is able to transform infrared light, normally invisible to the human eye, and turn it into images people can clearly see, even at distance.” The discovery could also reduce workplace injuries by reducing chronic neck injuries caused by bulky night-vision devices.

The film is made from nanometre-scale crystals, which are hundreds of times thinner than a human hair.

This can be directly applied to glasses and acts as a filter, Dr Camacho Morales says. It is extremely lightweight, cheap and easy to mass-produce, potentially making it accessible to everyday users.

The film is made from nanometre-scale crystals, which are hundreds of times thinner than a human hair.

This can be directly applied to glasses and acts as a filter, Dr Camacho Morales says. It is extremely lightweight, cheap and easy to mass-produce, potentially making it accessible to everyday users.

Currently, high-end infrared imaging technology requires cryogenic freezing to work and is costly to produce.

But the ANU temperatures.

film

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“This is the first time anywhere in the world that infrared light has been successfully transformed into visible images in an ultra-thin screen,” physicist Dragomir Neshev said “It’s a really exciting development and one that we know will change the landscape for night vision forever.” The film was developed by an international team of researchers from Transformative Meta-Optical Systems, ANU, Nottingham Trent University, the University of New South Wales and European partners.

The research was published in Advanced Photonics on Wednesday.

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Our new digital season is here! Experience Australia’s best artists and musicians recorded live in Elisabeth Murdoch Hall and the Primrose Potter Salon from your very own living room.

Immerse yourself in the dream-folk sound of Luluc, hear guitar and cello virtuosos Sharon and Slava Grigoryan play some of their favourite pieces, and be soothed by the ethereal vocal music of Gemma Turvey and The Consort of Melbourne.

Sample a slice of Paris as Firebird Trio play joyous French chamber music, settle in as Robert K. Champion shares stories of his homelands, and dive into the sounds of the Benaud Trio as they play Beethoven, Lang and a sporting classic.

Be transported to the restaurants of Eastern Europe with Vardos, mesmerised by new music luminaries Rubiks Collective, and inspired as Jackie Bornstein pays homage to some of the great women of jazz.

These performances are FREE to watch and streaming now.

WATCH NOW

Māori singer TEEKS is the stunning new voice of modern soul you need to hear to believe.

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 singer-songwriter has already become a phenomenon in his homeland going to #1 with his debut album, and now he’s here to wow audiences in Elisabeth Murdoch Hall. Tickets are on sale now!

Wednesday 25 August 7.30pm

BOOK NOW

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Caitlin Hulcup, Kristian Chong & Fiona Sargeant Acclaimed mezzo soprano Caitlin Hulcup, revered pianist Kristian Chong, together with celebrated violist, Fiona Sargeant scale a thoughtfully curated program of compositions traversing poetic lyricism, Impressionism and

Mozart's Major & Minor

About Whales

In the penultimate Mostly Mozart concert of 2021, Finnish piano virtuoso Paavali Jumppanen explores the music of Mozart, performing two of his most well-known compositions – Piano Quartet No.2 in E-flat

Nir Tsfaty is joined by Invictus Quartet for the world premiere of his new collection of poetic, cinematic pop songs which move from intimate chamber moments to symphonic peaks.

and Piano Concerto No.24 in C minor.

the Romantic era.

The 12 October 11am & 2pm

Thu 12 Aug 7.30pm

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Sat 10 July 8pm 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

Already more than 200 musicians have been directly supported through donations to our Local Artist Appeal.

Local Artist Appeal

In an ever-changing environment, donations restore confidence, breathe life into a decimated arts industry, help us guarantee artist fees and so much more.

LISTEN HERE

Will you let your support be heard? Make a tax-deductible donation by June 30 to our Local Artist Appeal.

Sophie Koh, singer-songwriter DONATE NOW

Click here for our latest concert announcements Orava Quartet Orava Quartet has captured the world’s attention. Revered for its thrilling, heartfelt performances and rare skill in making the unfamiliar suddenly accessible, the Quartet is known as the ‘classical fab four’ (The Age) and ‘the most exciting young quartet on the block’ (Limelight magazine). The Quartet’s 2021 season is on sale now.

Fri 9 July 6.30pm & Sat 20 Nov 6.30pm

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Home Elusive Home I've been joking with my friends that house hunting for a rental isn't too different from online dating. It's endless scrolling through promising options only to find out that the photos are very old or the size of the "property" is conveniently skewed. Laughing about it seems like a much better alternative to crying. Even so, there have been tears these past few weeks since finding out that my landlords are moving back in.

Despite having braced myself for the announcement and telling myself that this time I wouldn't allow myself to be overcome with anxiety, the consuming squeeze instantly returned and my lungs felt as if they lost 80% capacity. You see, I've already had to find a new home three times in the 9 years of being a solo mum in Melbourne, and honestly, I don't know if I have it in me to face the harsh process yet again.

This is what people don't seem to realise.

I'm not "house hunting". I am in fact searching for a 'home' for me and my two teenage daughters and there is a big difference. An investment property can be referred to as a house. As can a building that is purely going to be functional. However, that's not what I'm looking for.

I want a home for me and my kids. A home where we create memories for the next chapter and a place that we will look back on as part of our story. I want my next home to reflect who we are. Aesthetics are really important to us. So is light. So is smell. So is greenery and the lack of noise. Looking at rentals that fit my budget means that I need to overlook those really important aspects as to what makes a home for us. And sadly, even if I apply for one of these lacklustre properties, it's highly unlikely that I will be accepted as a tenant.

The last two times that I had to move it took me over three months of searching

to find something, and even then, it was because of a connection to a friend with a house and not an agency that accepted us. Apparently not being partnered means that my application gets put at the bottom of the pile. In fact, last time when I was searching there was a landlord that preferred having his house empty for 6 weeks over Christmas instead of taking a risk with a single mum, even when I offered to pay two months of rent in advance.

When other solo mothers hear that I'm trying to find a rental they all say that it's impossible unless I ask a man to sign the application form with me, pretending to be my partner. I'd be lying if I said that I hadn't considered it. But honestly I don't even know who I would ask for such an uncomfortable favour and I seriously doubt that there are many men out there who would feel confident stepping in with someone unless it was a really close friendship.

It's almost impossible not to feel hopeless about the situation and I keep daydreaming about ways to circumvent the system. I have a few helpful friends sending me links to co-ops and shared housing programs but everything has a long waiting list and even the best case scenario means that I'll have months of being homeless until a place becomes available.

This past weekend I met a 70 year old woman, who like me, has spent most of her adult life as a solo parent. I stepped into her sunny home surrounded by a gorgeous patio full of thriving plants and flowers. Her living room was painted yellow and she had art and posters on the walls that indicated a vibrant and rich life. I could totally picture myself living in a home like this and asked her if she owned it. It turned out that she did and went on to explain that she was very very lucky.

Apparently when she was a young mum trying to find a rental for herself and her daughter, the government set up a scheme where solo parents only had to save up for a very reasonable deposit and then their mortgage repayments were capped - no higher than 25% of income. I could hear myself sighing as she told me what this had meant for her at the time. No more dreaded moves, an opportunity to grow roots, find connection with her local community, and the opportunity to create long term friendships with her neighbours.

I don't even allow myself to dream about belonging to a place that reflects who we are as a family.

Sometimes I think back to when I was going through my divorce and how much I had hoped that there was a way for me and my four children to be able to stay in our home. If I had known then how difficult it would be to find rentals in Melbourne would I have tried harder to gain ownership of our house? In only 9 years the house I used to own has doubled in value for my ex-husband while I'm now attempting to find our fourth home to rent. It really isn't a fair system and something that our leaders should be prioritising to change.

While we wait for that to happen I really hope that landlords realise how challenging it is for us solo parents to find homes for ourselves and our children. As well as understand what a huge impact they can have by choosing a solo parent as their future tenant even if it means not having the security of two incomes on the application. The long term impact on a solo parent and their children is a beautiful contribution to a kinder and safer society that all of us will ultimately benefit from.

Written By Veronica Sherman

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Low Exercise, Poor Sleep Raise Health Blow (Australian Associated Press)

The combination of poor sleep and lack of exercise is a double whammy that’s putting people at great risk of developing life-threatening diseases, according to a University of Sydney study.

The large long-term study that’s published in the British Journal of Sports Medicine on Wednesday, found “a likely synergy between physical activity and sleep”.

Both physical inactivity and poor sleep have independently been associated with a heightened risk of death and cardiovascular disease and cancer, but it hasn’t been clear if they might have a combined effect on health.

“We found those who had both the poorest sleep quality and who exercised the least were most at risk of death from heart disease, stroke, and cancer,” lead author and PhD candidate Bo-Huei Huang said.

Senior author and research program director, Professor Emmanuel Stamatakis said the research was particularly pertinent because “sadly, our society suffers from both a physical inactivity and a poor sleep crisis”.

“Considering that physical activity is perhaps more modifiable than sleep, our study offers people more health incentives to be physically active and provides health professionals with more reasons to prescribe physical activity to patients with sleep problems,” he said.

The researchers drew on information provided by 380,055 middle-aged men and women taking part in the UK Biobank study the long the long-term health of more than half a million 37 to 73-yearolds, who were recruited between 2006 and 2010.

Participants’ health was tracked for an average of 11 years up to May 2020 or death, to assess their risk of dying from any cause as well as from all types of cardiovascular disease, coronary heart disease, stroke, cancer and lung cancer.

Those who were younger, female, had lower body mass index, were better off financially, ate more fruit and vegetables, spent less of their day seated, had no mental health issues, never smoked, didn’t work shifts, drank less alcohol and were more physically active tended to have healthier sleep scores.

The lower the sleep score, the higher were the risks of death from any cause, from all types of cardiovascular disease, and from ischaemic stroke.

Compared with those with the high physical activity and healthy sleep score combination, those at the other end of the scale, with the no moderate to vigorous physical activity and poor sleep combination, had the highest risks of death from any cause (57 per cent higher).

They also had the highest risk of death from any type of cardiovascular disease (67 per cent higher), from any type of cancer (45 per cent higher), and from lung cancer (91 per cent higher). Lower levels of physical activity amplified the

unfavourable associations between poor sleep and all health outcomes, except for stroke. The researchers concluded that physical activity levels at or above the WHO guideline threshold “eliminated most of the deleterious associations of poor sleep with mortality”.

The findings lend weight to efforts to target both physical activity and sleep quality in a bid to improve health.

“Australia’s energy and resources sector has remained safe and reliable suppliers to domestic and global markets throughout the pandemic, helping to underpin economic growth and overcome the challenging trade conditions of the past year,” Resources Minister Keith Pitt said.

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Your Future, Your Super: Employees Can Use Their Current Super Fund When Moving Jobs

By Warren Strybosch

Australia’s superannuation system is set to change again from 1 July 2021, with a set of reforms that aim to increase retirement savings and target unnecessary fees.

The ‘Your Future, Your Super’ reforms, now law, are to come into play at 1st November this year, and will help to reduce the number of super funds being set up by employers for their new employees.

In the past, when people would move to new employment, the new employer was able to set up a new super fund even if the employer supplied them with the Standard Super Choice form. I know, it should not happen, but this had happened to me even after I supplied

the Choice form twice to two different people within the same company albeit about 10 years ago.

I basically lost $800 over a 12-month period from fees and insurance premiums that were being deducted without my consent or knowledge. Only when I received the annual statement did I realise I had lost my money.

The setup of the new super fund can result in additional fees and a loss of super through default insurance fees being deducted each month.

With the new changes about to take place, employers will need to get their heads around these new laws.

Key points of new legislation: •

•

•

To prevent unnecessary multiple super accounts, new accounts won’t be automatically created when people change jobs This impacts how businesses onboard new employees, depending on whether they make a choice of super fund There are six million multiple super accounts held by 4.4 million people – this equates to $450 million in unnecessary fees as a result of these multiple accounts.

Note: At the time of writing, these reforms are yet to be passed into law.

Casuals will soon be able to get Super even if they earn under $450 per Month

By Warren Strybosch

It doesn’t matter whether you have a full time, part-time or casual job, if you’re over 18 and you earn more than $450* (before tax) in a calendar month, your employer should pay super contributions for you.

If you're paid an award wage and earn less than $450* per month, your employer may have to pay super for you, but some organisations don’t have to. For more information, go to the Australian Tax Office’s (ATO’s) Employee superannuation guarantee (SG) calculator tool.

If you are under 18 and working less than 30 hours a week and earning less than $450*, your employer does not have to make superannuation contributions for you. *Note: The Government has announced it plans to remove the $450 minimum income threshold for super contributions, but this is not yet law.

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Mortgage Brokers & Financial Institutions Top The Complaints List In 2021

By Warren Strybosch

Home loan issues and credit cards related to lending were the most complained about product issues for the financial year ending 2021, according to AFCA. A lot of this issues stemmed from responsible lending issues; in otherwards, there were irresponsible decisions made by brokers and lending institutions and consumers suffered.

In 2021, according to the external dispute resolution scheme, there were 70,150 complaints, with over 40 per percent made about credit products. This is a substantial increase compared to previous years. This may be due in part

to the fact that consumers are becoming more aware of their rights under ‘best duty’ and/or responsible lending. Also, with AFCA doing their road shows in 2020 and making people aware of their services, this may have been a contributing factor to increased complaints in these areas.

Issues with mortgages were high up on the complaint list, comprising 9 per cent of all credit product complaints, making them the second-most commonly complained about credit products, after credit cards.

According to AFCA, after default listing issues, the four most commonly received credit complaints related to:

• • • •

Financial firms failing to respond to requests for assistance (2,678 complaints) Service quality (2,554 complaints) Incorrect fees/costs being charged (1,894 complaints) Responsible lending (1,698 complaints)

It is important to deal with reputable brokers when seeking advice about home loans. Jodie more from Find Home Loan (http://www.findgroup.com. au/finance), is one such broker and regularly writes a column for the Find Manningham Give Jodie a call when seeking finance advice.

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Resources Exports Soar Towards New Record

By Tim Dorbin

(Australian Associated Press)

Australia’s resources and energy exports are expected to hit $334 billion in the next financial year, a new study shows.

The federal industry department’s Resources and Energy Quarterly report released on Monday said commodity prices had gained momentum in the first half of 2021.

Iron ore, LNG, thermal coal and base metals have reached multi-year highs.

In 2020/21, Australia’s resources and energy exports are estimated to reach $310 billion, up more than six per cent on the record set in 2019/20. This figure is forecast to rise to $334 billion in 2021/22.

Iron ore export earnings are estimated to rise by 45 per cent to $149 billion in 2020/21, accounting for almost half of Australia’s resources and energy exports.

Australian metallurgical coal miners are benefiting from a surge in world steel production. Informal import restrictions

by China have seen thermal coal miners pivot to other customers hit by the very cold northern hemisphere winter.

Thermal coal exports fell from 213 million tonnes in 2019/20 to a forecast 194 million tonnes in 2020/21, but are expected to recover to 212 million tonnes by 2022/23 as Asian economies recover.

Thermal coal export values are forecast

to be $17 billion in 2021/22, down from $20 billion in 2019/20. LNG export earnings are forecast to increase from an estimated $33 billion in 2020/21 to $49 billion in 2021/22. However, an easing of global economic growth and softer prices are expected to result in total resources export earningsdropping to $304 billion in 2022/23.

“Australia’s energy and resources sector has remained safe and reliable suppliers to domestic and global markets throughout the pandemic, helping to underpin economic growth and overcome the challenging trade conditions of the past year,” Resources Minister Keith Pitt said.

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

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

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SMSF and 6 Member Funds – An Australian Taxation Office's Interim Solution To Add The 5th And 6th Member

By Warren Strybosch

SMSF can now have up to six (6) members after the Treasury Laws Amendment (Self Managed Superannuation Funds) Bill 2020 received royal assent on 22 June 2021.

albeit a very unlikely occurrence given about 93% of current SMSF only have 1 or 2 members, the ATO has developed an interim solution, to allow additional members to be registered.

This measure was first announced by the Government back in the 2018 Budget, and has only just received Royal Assent a few weeks ago. As such, the ATO does not currently have the Australian Business Register (ABR) system updates to allow SMSFs to register more than four members or to add a fifth or sixth member.

SMSFs will need to follow existing processes to register a new SMSF through the ABR, to include members one to four.

Trustees will then be required to lodge with the ATO, a paper “Change of Details for superannuation entities form” (NAT3036) to provide the details of member(s) five and/or six. Once processed, the ATO will update their systems to allow members to request rollovers into their SMSF. Once the ABR functionality caters for the law

Given the possible need for some SMSF to want to add more than four members,

change, the ATO will proceed to update an SMSFs details, with no further action required from the trustee(s).

It is important to acknowledge that the need for manual intervention by the ATO does raise the risk that impacted SMSFs may face delays in registering their fund or additional members. For this reason, the ATO is encouraging SMSFs to wait till the ABR is updated. Where possible, this may be a sensible option.

For more information from the ATO, click here to visit their website.

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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Work-Related Expenses On Ato Radar Amid Spike In People Working From Home ACCOUNTANT

By Warren Strybosch

It is tax time again and accounting firms are busy sending out tax checklists or making contact with their clients to start the process of completing last year’s financial returns.

This year, the Australian Tax Office (ATO) has announced that they will be taking particular note of work-related expenses, especially those associated with working from home. Last financial year over 8.5 million people claimed nearly $19.4 billion in work-related expenses and it is expected this to be significantly larger for 2021.

Australian Taxation Office assistant commissioner Tim Loh says the COVID-19 pandemic has changed people’s work habits, so he expects their work-related expenses will reflect this.

“We know many people started working from home during COVID-19, so a jump in these claims is expected,” Loh said.

“But, if you are working at home, we would not expect to see claims for travelling between worksites, laundering uniforms or business trips.”

more tax from his income.

The ATO rang to discuss why this particular client had more tax withheld compared to his counterparts at the same university. After a brief explanation and having to send in documents to verify the tax withheld was legitimate, the ATO processed the return. You see, everyone else within the organisation had elected the tax-free threshold and so this particular client’s income and tax withheld figures did not match everyone else and set off a flag to the ATO to investigate.

Many accountants are now asking for proof e.g., invoices or receipts, when it comes to certain expenses. Other accountants are asking clients to sign an expense declaration if receipts cannot be produced. At the end of the day, you are responsible for any claims you make to try and reduce the amount of tax payable.

“We will also look closely at anyone with significant working from home expenses, that maintains or increases their claims for things like car, travel or clothing expenses. Don’t consider just cutting and pasting what you claimed last year into this year’s return,” Loh said.

Work-related expenses

Many people do not realise but the ATO has sophisticated software that can compare everyone’s expenses against other people working in the same industry. If one person has an expense that falls outside of the ATO’s deemed parameters as to what is considered reasonable to claim, then expect a ‘please explain’ from the ATO.

To claim a deduction for a work-related expense:

As an accountant, I remember receiving one of these phones calls a few years back because one of our clients was lecturing and it was his second income.

As such, the client did not nominate the tax-free threshold and elected to pay

If the expense was for both work and private purposes, you only claim a deduction for the work-related part. Work expenses your employer reimburses you for are not deductible.

• • •

you must have spent the money yourself and weren't reimbursed the expenses must directly relate to earning your income you must have a record to prove it (usually a receipt).

If the ATO thinks your employer has reimbursed you for your expenses, they might decide to ask them.

You may be able to claim a deduction for expenses you incur that relate to your work, including: • • • • • •

Vehicle and travel expenses Clothing, laundry and dry-cleaning expenses Working from home expenses Self-education expenses Tools, equipment and other assets Other work-related deductions

Employees (including casuals) can claim work-related expenses in the income year you incur them. This means if you start employment in June you can claim deductions for work-related expenses you incur in June. Even if you don’t receive your employment income until the next income year.

If you employ someone to assist you in your employment, generally you can't claim a deduction for employing that person.

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

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

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YOU DESERVE A PAY RISE!

in interest on top of the $400,000 loan.

MORTGAGE BROKER You spend 8 hours a day to earn maybe $200-300/day, 5 days a week.

Refinancing your home could be the quickest and easiest way to give yourself a pay rise!

If you refinanced to a rate of 2.99%, your new monthly payment will be around $1,685/month. That’s an instant pay rise of $345/month. Over the course of 30yrs, you would pay just over $206,000 in interest on top of the $400,000 loan saving you $124,000.

Take a look at this scenario -$400,000 loan, standard variable, 30year termYour current interest rate is 4.51% which means you are paying around 2,030/month Over the course of 30years, you would pay just over $330,000

But what if you continued paying the $2,030/month? Over the course of 30years, you would pay just over $150,000 in interest on top of the $400,000 loan and pay it off sooner. How much sooner?

You would pay less than half the interest

By Jodie Moore

payments ($180,000 less!) than on the 4.51% rate and slash 7 years, 4 months off the loan term meaning you will pay your loan off in 22 years 8 months.

But don’t refinance and extend your loan back out to a full loan term of 30yrs. Be sure to refinance for the loan term you currently have remaining, otherwise you will end up paying more in interest anyway.

Don’t become complacent with your home loan. Make it work for you! Call today to see how much time and money you could be saving.

KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

SERVICES WE OFFER ARCHITECTURAL DESIGN SERVICES

CONTACT US

SCOPE OF SERVICES

1. Feasibility Studies

• Feasibility Studies

• Construction Documentation

2. Design Only

• Concept Design

• Building Permit Submission

3. Design and Document

• Design Development

• Contract Administration

4. Full service package (and more)

• Town Planning

• 3D Imagery

+61 426 188 744 contact@kirarchitecture.com PO Box 233 Eltham VIC 3095 www.kirarchitecture.com

KATHY ISMAIL Architect

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How A System Health Check Can Help The Quality Of Your Books BOOKKEEPER

By Neha Nayyar

Are you confident that your accounting systems are running optimally and efficiently for your business?

By conducting a regular accounting file health check you can rest assured your accounting file remains accurate and clean. This improves the overall quality of your books enabling you to make more informed business decisions.

How does a system health check work and why it’s important: Checks for errors and inconsistencies - In certain instances business owners may find themselves with a high turnover of bookkeepers or find they’re trying to cut costs by taking on some of the bookkeeping responsibilities themselves, but let’s face it… not everybody is a bookkeeping expert! These are certain scenarios that can lead to errors in your accounting systems. During a health check your accountant may check for duplication, recording of valid ABN’s, bank reconciliation, chart of accounts, etc. It’s important to have an accountant periodically review your system to check for any inconsistencies which may prove to be a nightmare come tax time!

Review & Recommendations - Once your accountant has completed a thorough review of your accounting system, they will then be able to provide you with information on the current status of your file and offer suggestions.

Discovering any pain points early on is imperative to keeping your accounting file reliable and usable and sets you on the right path to avoiding errors in the future.

Plan for the future - It’s important to ensure your file is showing up to date and accurate data to enable you to make informed business decisions.

Perhaps you have set a quarterly budget of $500 for office supplies but due to incorrect allocation it looks like you have more room for spending when in reality you’ve gone over budget. Once you’re confident your accounting file is producing valuable information and running as it should, you’ll be able to use this information as a guide for your monthly/quarterly/annual budgeting and have a clear picture of your outgoings vs. incomings.

Are you confident that your Xero accounting file is setup correctly and running smoothly and optimally for your business? Why not conduct a system health check! At Sum and Substance we understand the importance and need for reliable accounting data to allow business owners to make informed business decisions. Please contact us if you would like more information about our Xero Health Checks. We can be reached at (03) 9424 9447 or info@ sumsubstance.com.au. You can directly book in a time to chat by clicking here.

Neha Nayyar Bookkeeper Sum and Subtance Bookkeeping and Training Services 0401 409 573

JULY 2021 | FIND MANNINGHAM

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Are You The Rescuer Or Are You The Hero?

PARENTING

By Lesley-Anne Banton

Have you ever wondered why you give to others with all your heart and yet you still experience hurt, upset and pain?

You may be a rescuer not a hero!

Does it matter if you are a rescuer not a hero? Do you know the difference?

One of these disempowers you and those around you and the other empowers you and in-turn empowers others around you.

When you were you younger you made a very unconscious decision about who you were and who you needed to be to navigate through your childhood, to fit in to the family structure or to feel safe. You then, without knowing, carry this through your life and into to your adult years. Creating patterns, friendships and relationships based on who you decided to be as a child. This can cause painful experiences. When you are constantly rescuing others, you unconsciously teach others how to treat you, you may or may not respect your own boundaries which in-turn teaches others about your how you value your boundaries, and they treat you accordingly.

One of those decisions might have been to rescue people, now do not get me wrong there can be some joy and fulfilment in helping rescue those around you and these can be great attributes and values to have such as compassion, empathy, and kindness. Yet it is how we rescue those around and why? What is the intention behind the action? Is it for your own self-satisfaction? Is it because if you do not you fear you might get judged or rejected? Is it because you love the drama of a good crisis? Is it because you need to feel needed by others? Is it because they genuinely need you to rescue them as they truly do not have the resources in that moment? Or could it be something else?

When you rescue others, you generally drop everything, violate your boundaries, say no to yourself so you can rescue and please others (despite your own needs, feelings, and boundaries), devalue yourself and your time, you teach others how to value you

and treat you, by saying yes to others you are saying no to you.

Also, by rescuing someone they might subconsciously perceive you are telling them that you do not believe that they can do it for themselves, they cannot do it as good as you, you can also be enabling them to stay stuck in being a victim and continuously needing and searching for other to help rescue them.

Sometimes by rescuing others you may be disempowering them and or enabling them to stay in a victim state.

And on some level by being the one to rescue others you also need to be rescued.

Now if one of these people you are rescuing on a continuous basis is your child, what are you teaching them?

Showing them? What beliefs could they make about themselves?

As stated earlier there are some great attributes and values you can take on as a rescuer which you could use, if you chose to, to become your own hero and show others how to be their own hero.

Being compassionate, patient and kind with and to yourself whilst you are learning the skills or beliefs you are choosing to now take on to empower yourself and become your own hero.

Being the Hero, you get to lead your own path, choose to take full responsibility for your life and decisions and be able to handle to outcomes and or consequences regardless of what they are. As a Hero you get to choose to respond to an event rather than react, you get to seek out the results you are wanting and handle and feedback or

setbacks as an opportunity to learn and grow. Has a hero you get build reliance, grit, and determination. As a hero you get to show others what healthy boundaries are and how you respect them. As a Hero you get to show others how to have a voice and use it for the greater good. As a Hero you get to lead the way for others. As a Hero you show others how to rescue themselves and empower themselves. As a Hero you get to stand alongside someone through their crisis cheering them on and validating them every step of the way as they navigate through it.

As a parent, anyone who works with children or is a guardian of a child be mindful of who you are choosing to be when being around them or interacting with them. Do you choose to empower them or disempower them? Do you choose to teach and show them the skills they need to learn, or do you choose to do it for them? Are you giving them vital life skills and attributes that are needed to navigate through life or are you denying them? How are you teaching them to treat you? Others? What are you teaching them to believe about themselves?

The choice is always yours, who do you chose to be? Who would you like your child to be?

Lesley-Anne Banton Life Coach THE PARENT WHISPERER 0432 848 418 www.theparentwhisperer.com.au

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That Extraordinary Stuff Called Human Milk

LACTATION CONSULTANT

By Dr. Joanna Strybosh

After the birth of her newborn baby, a mother’s body will begin the process of making milk. This is a process beyond her control, and occurs irrespective of whether she chooses to breastfeed her baby or not. Her milk is the perfect food source for her baby, supplying everything her baby needs for optimal nutrition and growth and protection.

Human milk has two main functions: it nourishes and it protects. Hundreds of human milk components interact synergistically to fulfil these dual functions of breastmilk.

Nutritional components of human milk include water, lipids (fats), proteins, carbohydrates, vitamins, minerals and trace elements, and micro minerals.

Defence components include immune protective components (antibacterial, antiviral, anti microbial), anti-inflammatory vitamins, enzymes, hormones, and live immune cells.

Human milk composition is not static or uniform. Breastmilk is, in fact, a living dynamic fluid. It is always changing in order to best meet the changing needs of the infant. What we see is a complex interplay between the needs of the infant and the ability of the mother‘s body

to rapidly adapt and to provide milk components to meet those needs.

Human milk changes in order to provide optimal nutrition and immune protection in real time.

•

Some of the ways human milk changes to meet baby’s changing needs:

•

•

• •

•

• • •

Colostrum is available from before birth to day 5 and then evolves through transitional milk (day 6-13) to become mature milk from day 14 onwards.

Breastmilk composition changes significantly in the first few days of lactation.

Protein levels in human milk change over time, with protein concentration being higher in preterm milk and colostrum and levelling off in mature milk. Over 761 distinct proteins have been identified in human milk.

Milk composition changes during each feeding as the breast drains and the fat content rises. Many classes of lipids (fats) and thousands of subclasses have been identified.

Milk composition changes during each day and over the course of the entire lactation.

Milk of preterm mothers differs from that of mothers who deliver at term.

More than 200 components have been identified in human milk with some still having unknown roles.

•

• •

•

Hundreds of thousands of immune cells are ingested in breastmilk by the infant every day.

Immune cells in human milk increase in response to an infection in the baby.

Human milk contains stem cells that can migrate to different organs to provide active immunity and boost infant development in early life.

Human milk contains growth factors, hormones and live immune cells.

Human milk carries a rich variety of bioactive substances which help the brain to grow and the immune system to develop.

Human milk is 87.5% water. All nutritional components are dissolved or dispersed in it. Human milk provides 100% of a baby’s water needs, even in hot arid or humid climates.

Human milk is and should always be the first choice for human babies.

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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Passivhaus – Eco-friendly Homes ARCHITECT

By Kathy Ismail

What is Passivhaus?

The technical definition of a Passivhaus (also know as Passive House) is any building that can achieve thermal comfort by heating or cooling only the fresh air required to maintain a healthy indoor air quality. This is modelled in detail before construction begins using the PHPP (Passivhaus Planning Package) software that has been developed since the late 1980s. Certified Passivhaus is a voluntary standard.

Excellent quality control is required during construction, overcoming the generally inadequate inspection and as-built certification of thermal performance that currently prevails in the Australian building industry. This is the most expensive part of the process, but the heat and energy savings achieved far outweigh the structural costs.

The standard covers a wide range of building types, including new builds and renovations, high-rise apartments, schools, offices, hotels, swimming pools and a police station.

The 5 Passivhaus principles Passivhaus is founded on five principles, with performance levels that set upper limits on energy use and air leakage.

Heating demand is limited to 15kWh/ m2/year. Humidity must stay below 12g/ kg of air (around 65% relative humidity at 25 degrees Celsius) for at least 80 % of the year, and temperatures of more than 25 degrees are capped to 10% of the year, if no mechanical cooling is used.

Mechanical cooling must still operate within the same allowable energy limits as heating.

The 5 Passivhaus principles are: 1. Appropriate insulation 2. No uncontrolled air leakage

3. Mechanical heat recovery ventilation (MHRV) 4. Windows that seal and insulate 5. No thermal bridges Advice from a Passivhaus architect Talina Edwards is an architect, certified Passivhaus designer, director of her small architectural practice, and a board director of the Australian Passive House Association. She’s a passionate advocate for Passivhaus and wants to share this with you: ‘Our practice is focusing almost exclusively on Passivhaus projects now, after completing one of Australia's first Certified Passivhaus homes in 2018.

‘We've found that all our clients are coming to us because they've heard all about the benefits of building this way – healthy indoor environment, consistent comfortable temperatures, very low heating/cooling requirements (and therefore less expensive!) and the resilience this rigorous standard assures them for a future of more weather extremes.

‘We've not had anyone say, "Why would I want that?" Of course, everyone wants this! It is what we should expect from all our buildings, not just our homes. We deserve to live and work in buildings that are not only climate-responsive but also responsible.

‘The only times clients choose not to build a fully Certified Passivhaus is due to the cost. However, if you budget for a custom home, you can prioritise your brief to ensure that you don't compromise on getting the building envelope right (also often known as a "fabric-first" approach).

All the other stuff (materials, joinery, fixtures, fittings, etc.) can be lower-spec and upgraded later much more easily and cost effectively than trying to retro-

fit an air-tight barrier, more insulation, a ventilation system or triple-glazed windows later.

‘Proposed revisions to the National Construction Code over the next few years are moving closer towards more stringent requirements for insulation and air-tightness so it makes sense to get ahead of the curve. A home is one of the largest investments most people will ever make, and as a code-compliant building is technically the worst standard you can legally build today, wouldn't you prefer to be future-proofing your home by ensuring it's fit for purpose in fifty years’ time and beyond? We shouldn't be treating our homes like fast food and fast fashion; they should be good quality and built to last.

‘More and more trades are up-skilling as they want to build quality and take pride in their work, and more materials and components are becoming available in the Australian market, so the cost premium will be reduced in the future as the demand sure is growing.’

So, if you are building a new house, and spiralling energy costs are of concern to you, this is where Certified Passivhaus really shines. Speak to an architect who can help you from the ground up with the design of your new, energy-saving home.

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 JULY 2021 | FIND MANNINGHAM

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Sole Traders Management

Liability GENERAL INSURANCE

By Craig Anderson

Often you hear sayings like “You don’t know what you don’t know” and whilst this is true, the part that is not spelled out, is that you do not know the extent of the consequences of acting without all of the facts at hand. If you are a Sole Trader, and consequently you have no incorporated entity through which you operate your business, then it is fair to say you are not a director. Taking out a policy that protects only the directors and officers of an incorporated body from liability for employment practices breaches, when this does not describe you, may lead to a failed claim and significant personal losses.

Remember that once you enter into a legal contract with the insurer that it is your duty to ensure all of the information provided to them is accurate, so if you are a Sole Trader with an ABN, the insured entity is you, not your “Trading As” name.

Your broker will ensure this is all correct before submission, however if you are obtaining insurance directly on-line, the computer algorithm creating your quote will not know the difference. I have seen a fair few policies made out in the wrong name, and I can assure you the insurer is not obliged to pay when the entity name is missing.

Now you know there may be a problem, the next step is looking at what policy will provide a trigger for a claim if you are a sole trader. Luckily, such a product exists, and it protects the sole trader from personal financial losses rather than offering reimbursement clauses to a company entity. Claims may range from unfair dismissal, harassment, discrimination and other wrongful employment related acts, to Employee Theft, Tax Audits and Investigations, Workplace Health and Safety Incidents, Pollution Costs, and Advancement of Costs and Emergency Defence Costs.

This cover is suited to Sole Traders who fall (loosely) into the following categories: Bookkeepers, Individual Consultants, Tradespeople, IT Consultants, Freelance Writers, Landscapers and Gardeners, Direct Retailers, and Allied Health Consultants.

If your trade is not listed above, feel free to contact us and we can find out from the Insurer if your individual occupation can be accommodated.

Even before you take out cover, to ensure you avoid employment related claims, it is necessary to create the correct policies

and procedures and implement them properly. Hiring an HR consultant to help write and roll-out the policies may help put you in a better position to eliminate the circumstances that may generate a claim in the first place. However if a claim occurs, it is then up to the insurer to take it from there.

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

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

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

0418 300 096

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7 Powerful Conversation Starters With Your Elders ACCREDITED EDITOR

By Susan Pierotti

Many people want to be involved in the lives of their elderly loved ones and one of the best ways is to listen to their stories. These may become repetitive, but perhaps this is the way our elders are letting us know what was important for them. Yet they have much more to tell us, but how do you begin to unravel their lives?

Getting your loved one's stories out into the world can mean finding ways to bring out their long-lost memories, or thoughts that may not have crossed their minds for decades. These can include previously essential family memories and little-known stories.

The key thing is to engage people, to get them talking about what matters to them.

Questions are powerful. Sometimes, asking a single question means the person will speak for half an hour, and you don’t have to say a word more.

These sorts of questions will likely reveal facts and stories that you have never heard before. You might be surprised by what you learn.

Here are seven simple opening questions that you can use to start the conversation with an elderly person.

Where were you born?

Although you probably know where they were born, asking the question can uncover some interesting memories about the time and place of their birth.

Some of our elders were born in bush hospitals, on farms or overseas.

What can you remember about your parents?

It’s surprising how much elderly people know about their parents and their

stories, and about other relatives. In their day, people sat around and listened to gossip, family adventures, who had given birth to the latest cousin and so on.

They may even want to bring out photos to show you, almost to introduce you, as these people still live in their hearts and minds.

the proposal, the dress, the bridesmaids, the flowers…They love talking about their wedding day – and watch their eyes sparkle as they recall it! Even men remember things like the weather, the church, the suit they had to wear (and how unnatural it felt!) and, of course, how beautiful their bride was.

Where did you go to school?

We know how different schools are now from those in the past; the younger generations can’t even envision a time when there were no computers to learn on! This question can also evoke memories of how they travelled to school, what their teachers were like, and their favourite subjects.

What’s really important is that you listen to them and remain attentive. People can tell when someone is listening and when someone’s mind is somewhere else. Make sure you really focus; perhaps take notes as they speak.

When you were a child, what did you want to be when you grew up?

Career options were limited in bygone days. Perhaps they achieved working in a job they always wanted, perhaps they developed turning their ambition into a hobby, perhaps what they wanted to be would only ever be a dream. How did they deal with their disappointment?

What was your favourite holiday?

You never forget your holidays, so asking about holidays will be sure to bring out some wonderful details that have stuck with them for decades.

What was your childhood like?

You'd be surprised what even simple questions about their childhoods, such as what they would typically wear around the house or to school and what they ate, can reveal. For example, chicken used to be a special food you only had at Christmas!

Can you remember the day you got married?

Be sensitive with this question – not everyone had a planned marriage.

However, most women will remember

Don’t feel limited to these suggestions. If the question is open-ended and focused on something they care about, it is a good way to start a conversation.

Simple questions spark amazing memories, and amazing memories make for amazing stories. Everyone has a story to tell – all you have to do is help them find it.

Creative Text Solutions has written and published numerous family memories over many years. Contact us for recording your elderly loved one’s story.

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

JULY 2021 | FIND MANNINGHAM

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Installing A Shed Roller Door GARAGE DOORS

By Chantal Djuric

There is much advice on the internet on how to install your own shed roller door. If you are thinking of installing one yourself, read on.

This is a summary of what we do at Cruzin. We begin by measuring the width of the roller door against where it will be installed as the roller door curtain needs to be 100 mm wider than the opening.

There has to be enough room on the side and the correct space between the wall bracket and the edge of the door curtain.

After measuring accurately where the brackets will be fixed, we attach them with the appropriate equipment, depending on whether they are being fixed to brick, masonry, concrete or steel sheeting. This is not a job for the shed owner as working at heights is an OH&S issue that we take seriously.

Is the chain operator a planetary geared one, a direct drive one or an electric one? Each one has specific instructions on how to be attached. This is fiddly and fraught with the potential to make mistakes. Only a trained garage door specialist will have the requisite expertise to assemble and attach it properly.

Now we lift the roller door onto the brackets and loosely secure the axle to them. We never use the wall brackets to mount the door lifting gear as they are only designed to support the door.

Remember, roller doors can weigh up to 200 kg, around twice the weight of most adult males.

The door is now centred within the opening with the same amount of curtain overlap on each side. If the operator is an electric one, we position it as required at the same time.

We remove strapping and packaging material, without cutting the centre nylon strap, and move the door to the rear of the bracket slots, turning the axle so the door is relaxed on the axle with the bottom rail at the bottom of the curtain.

Without letting go of the curtain, we now cut the centre strap. Holding the centre of the bottom rail, we open and close the curtain to ensure it is correctly aligned on

the roll before fitting the guide tracks. As you can see, attaching the door precisely with the correct amount of tension is a tricky process that should be done by an expert.

With the domed screw heads on the outside of the door, and the door in the fully closed position, we mark and cut a hole in the side face of each track for the locking bolt to slide through.

Then we cut the bottom off the tracks so that the top stop is level with the top of the opening. Next, we slide the tracks onto the edge of the roller door, ensuring the top stops remain above the bottom rail to prevent the door rolling further upwards. Then we lower the door to the closed position, push the track against the wall and adjust sideways so there is a 3–6 mm gap between the inside of the track and the black plastic button at the end of the bottom rail. Using a builder’s level, we make sure the tracks are vertical before screwing or welding them to the walls with appropriate fasteners.

The final part of the process is to remove the outer protective film from the curtain door surface – and that’s it!

With the door in the open position, we loosen the two-axle clamp bolts and, using the slots in the wall brackets, move the door in towards the wall until almost touching the track front face and retighten the bolts. We adjust the operators, position the shute bolts at the ends of the bottom rail, mark the mounting bolt hole positions and drill so that the square shank of the domed headed coach screw will bite into the hole and not turn.

If you think this sounds complicated, you’re right! Too many things can go wrong. Aside from damaging the door, its components and your garage, you could suffer a severe injury. Our advice is – leave it to the experts!

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

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Why Signage is Important for Any Business SIGNAGES

By Glenn Martin

Your business is more than its logo, products, and services. It’s an entire experience. How you promote your business will determine how consumers interact with you, however, your business signage can have as much of an impact as your website on your enterprise.

From illuminated signage solutions to window graphics, the following looks at how retail signage gives your business a considerable advantage.

1. Enhances communication.

According to Dubai’s leading signage and wayfinding consultancy, signs represent a brand’s most visible form of communication. Outdoor signage and window graphics can impact how a brick-and-mortar business performs. Signs do more than inform. Customers make assumptions of a business according to the quality and attractiveness of their signs. This assumption carries over to how customers perceive the quality of a brand’s products or services. When outdoor signage is complemented with wayfinding design, brand exposure increases. This results in greater opportunities for new customer acquisition and repeat business. Similarly, poor or low-quality signage can deter customers from engaging with your business.

2. Provides a competitive advantage.

Standing out in a sea of companies is a challenge for any business. Signage can be the differentiator, however, between customers choosing your business over those of your competitors. A creative and unique storefront sign can attract

customers from a distance and draw them into your store. Location plays a role in providing your business with a competitive edge as well. Your outdoor and wayfinding signage should be in a high traffic location proximate to your business. Onsite signage will provide the added benefit of enabling people to discover your brand’s physical presence.

3. It’s a cost-effective marketing tool.

Signage can be more than just an attractive differentiator or unique wayfinding solution. Signs are also an essential component of your brand’s marketing strategy. In fact, both small and enterprising businesses benefit from using signs as a marketing tool. Sure, there are other tried and true methods such as billboards and newspaper advertisements. But these promotional strategies do not have the same longevity as signs. Signage can be an exterior ongoing marketing campaign visible 24 hours a day, 365 days a year.

4. Increases sale opportunities.

Well-designed, quality signage can generate unplanned impulse stops. In fact, the U.S. Small Business Administration estimates that between 20 to 45 percent of business sales come from impulse sales.

This is why signage should be placed in the right locations. The checkout counter, for example, can direct customers and inspire additional purchases. Illuminated and custom shaped signage solutions offer dynamic messages that can attract more in-store sales.

5. Builds brand awareness.

with your community. In the end, this results in repeat purchases and a greater market share.

Signage is a critical component in driving brand recognition.

Coca-Cola and Starbucks are two examples of brands that use signage to its full potential. To fully capitalize on signage, you must create a narrative that illustrates your company values. This narrative should be exemplified in your company branding and signage. This allows customers to make connections with your brand long before they’ve entered your business.

All signs point to success.

Signage is a versatile business tool that can serve a myriad of purposes.

Signage can serve as a visual solution to numerous business problems such as wayfinding, sales, brand recognition, and competitive advantage. Signage is a versatile business tool that can serve a myriad of purposes. Signage can serve as a visual solution to numerous business problems such as wayfinding, sales, brand recognition, and competitive advantage.

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.

The greater the recognition your brand has, the easier it is for your brand to affect perceptions and attitudes. This encourages a feeling of connectedness JULY 2021 | FIND MANNINGHAM

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Drink Coffee To Stay Younger!

COMMERCIAL COFFEE MACHINE

By Ivana Smith

We love drinking coffee but what does it do to us as we get older? Should we stop or are we able to still enjoy our favourite hot beverage?

The information in this article may surprise you!

Stay younger, drink coffee Caffeine is an antioxidant, which means it can help fight age-related damage due to oxidation. This can improve our health in many ways, especially as we age.

A study in Japan has shown that coffee contains several anti-aging benefits.

Mice were given caffeinated and decaffeinated coffee as part of their normal food and water diet. Their lipid metabolism, energy metabolism and locomotor activity were tested. The mice showed improved insulin levels, enhanced grip strength of their skeletal muscles and decreased levels of their plasma-free fatty acids. These were just a few of the benefits that were discovered.

Another Japanese study indicated that drinking three to four cups of coffee a day ‘decreased mortality by 24% for 40to 69-year-old Japanese adults’.

Coffee is rich in bioactive substances, with a wide range of anti-inflammatory effects that can improve insulin resistance and glucose metabolism.

Coffee consumption has been shown to decrease the incidence of major causes of death such as heart disease, type 2 diabetes, several types of cancer and the risk of neurological and mental illnesses such as Parkinson’s and Alzheimer’s diseases. A growing body of evidence also suggests that coffee could reduce the incidence of other chronic diseases and mortality due to its strong antioxidant properties.

Caffeine may also activate a protein that supports healthy, elastic blood cells.

Caffeine has been shown to influence movement of a protein called p27 into the cells of the heart; p27 stimulated by caffeine can prevent heart cells from dying during a heart attack.

More health reason for drinking coffee If all that wasn’t enough, here are some

more amazing potential benefits of drinking coffee.

Caffeine may help prevent age-related mild cognitive impairment. It may also prevent or delay dementia. The Cardiovascular Risk Factors, Aging and Dementia (CAIDE) study, which followed people in Finland from middle age into their seventies and beyond, found that caffeine may lower a senior’s lifetime risk of dementia.

One study in the US has found that just one cup of coffee per week could slash stroke risk and heart failure. A joint AARP-NIH study found that people who regularly drank coffee had a lower overall risk of early death. Yet another study that followed nearly 1 million men and women over a period of 26 years found that drinking four cups of coffee a day could even reduce the risk of developing oral cancer. Other research has shown that coffee reduces the risk of severe depression in middle-aged men.

Coffee is a mild stimulant. This means it offers a mood boost that can help you feel motivated and alert, and it’s not just students studying for exams at the last minute who’ve discovered that drinking coffee gives them better concentration and memory powers.

increased heart rate, elevated blood pressure and anxiety. Coffee can also affect your digestion by speeding up digestion, causing diarrhoea and gastrointestinal problems, and its high acid content may also make acid reflux worse. The dehydrating properties of coffee can stress the kidneys and make bladder infections worse. People who take ephedrine, echinacea, and theophylline may be especially vulnerable to the effects of caffeine, so talk to a doctor about potential interactions.

Nevertheless, most healthy adults can safely consume about 400 milligrams of caffeine a day. That’s roughly three to five cups a day.

The good news is that we can enjoy coffee into old age – and it’s good for us!

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

How much coffee is too much?

Be careful, though, about how much you drink in one day. More doesn’t mean better health or that you will live forever.

Commercial Coffee Machine

The caffeine in coffee can cause fluid retention (puffy skin), insomnia, an

www.xdcoffee.com.au

Xpresso Delight 0418 393 085

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Superannuation Landscape Is Changing FINANCIAL PLANNING

Change

The Detail

50% reduction in minimum payments

SIS regulations to extend the temporary 50% reduction in minimum pension payments for the 2021-22 year have been finalised.

Extended to 2021-22 year

Bring forward rule for 65 and 66 year olds

Clients aged under 67 on the 1 July in the financial year of contribution will have the oppurtunity to utilise the nonconcessional bring forward rules.

Work test trap: Remember that, even though a client may be 66 on July 1 of the year of contribution and can therefore use the bring forward rules, if they are 67 on the day of contribution, the work test exemption) must be met.

1 July 2020

Your future your super package

1.

1 November 2021

By Warren Strybosch

There is so much happening with the financial planning landscape. Here are some of the important superannuation changes that you should be aware of: Budget proposal provides great opportunity to even up super balances – a practical look The recent Federal Budget proposal to remove the work test for non-concessional contributions and allow the use of the bring forward rules for those aged 67 to 74 (expected to commence 1 July 2022) could provide multiple benefits to our retired clients.

Start Date

2.

3.

Increase members in SMSFs

Limit the creation of multiple super accounts for employees who do not choose a super fund when they start a new job.

Requirement of super funds to account for underperformance using APRA performance test.

Impose a 'best financial interests' duty on trustees of all super funds including SMSFs and reverses the evidential burden of proof for the best financial interests duty do that the onus in on the trustee of the super fund.

The maximum number of members allowed in a SMSF will increase from 'fewer than 5 to 'no more than 6'.

MySuper products - 1 July 2021 Other Products - 1 July 2022 1 July 2021

1 July 2020

The following case study highlights just one scenario where a retired couple (in a position comparable to many of our clients) could benefit by making their super balances more even.

Shona and Jack Shona is 68 and works part-time earning $50,000 per year. Her husband Jack is 71 and has been retired for several years drawing on his account-based pension to top up their income needs.

Their investment portfolio can be summarised as follows: Shona and Jack wish to access some of their capital and are considering selling their shares however a significant capital gain will arise.

Assets

Value

Cash

$50,000

Joint

Owner

Shares

$350,000

Joint

Superannuation

$700,000

Shona

Account based pension

$150,000

Jack

Total

$1,250,000

Strategy considerations after proposed budget changes Current Rules • Jack can't contribute to super as he doesn't meet the work test.

Strategy after proposed budget changes • Shina can withdraw $250,000 from her super and pay no tax on the withdrawal.

• Jack can contribute this $250,000 into his super (and then ABP) to help even up the

• Shona can still contribute to super working part-time however her super balance is too high to take advantage of her unused concessional cap (ie TSB > $500K) to make a large tax deductible contribution and save on capital gains tax (CGT).

balances as he no longer has to meet a work test.

• Shona can now access her unused concessional caps from previous years to reduce CGT. • Legislative risk - if super rules change, having more even balances may help.

If you are unsure as to how you’re tracking now or leading up to retirement, or are considering retiring in the next few years, then speak to an advisor at Find Retirement (www.findretirement.com.au). They will help you plan the next stage of your life and provide greater certainty for you and your family.

This information is current as at July 2021. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’). Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has

Warren Strybosch

been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Clearview and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not

You can call them on 1300 88 38 30 or email

assume liability to any person for any error or omission in this material however caused, nor be responsible for

info@findretirement.com.au

any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

www.findretirement.com.au

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As the owner of a small business, do you understand your obligations in regards to the health and safety of your team?

OCCUPATIONAL HEALTH & SAFETY

By Mark Felton

If you are unsure, you are not alone.

Anecdotally at least, it appears that the great majority of small business owners, particularly those new to running their own business, have little understanding of the Occupational Health and Safety Act 2004, and the duties and obligations that they are legally bound to comply with.

To quote the Act, “An employer must, so far as is reasonably practicable, provide and maintain for employees of the employer a working environment that is safe and without risks to health.” Fines and penalties are significant if there are any breaches found, 1800 penalty units ($297,396.00) for a natural person, and 9000 penalty units ($1,486,980.00) for a body corporate.

In addition, the Act states, “An employer must, so far as is reasonably practicable—

(a) monitor the health of employees of the employer; and (b) monitor conditions at any workplace under the employer's management and control; and (c) provide information to employees of the employer (in such other languages as appropriate) concerning health and safety at the workplace, including the names of persons to whom an employee may make an enquiry or complaint about health and safety.”

The new industrial manslaughter laws have been added to the Act, and will apply to organisations (including bodies corporate, partnerships, unincorporated bodies and unincorporated associations), self-employed persons as well as officers. The new laws will attract the highest penalty in the OHS Act, introducing maximum fines of approx. $16.5m for employers and jail terms of up to 20 years and fines of up to $1.65m for officers whose actions or omissions:

• • •

cause the death of a worker or member of the public; involve a breach of an OHS duty; were negligent.

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 under the Act? How do you keep you and your employees healthy and safe? 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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Living Longer Impacts On Budget, Economy

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

Australia faces a major challenge of an ageing population, made worse by the lingering effects of the COVID-19 pandemic, Josh Frydenberg has warned.

Releasing the 2021 Intergenerational Report, the treasurer said the economy will be smaller and the population will be older than it otherwise would have been with flow-on implications for economic and fiscal outcomes.

The report shows Australia faces 40 years of budget deficits, relatively high levels of debt and slower economic growth than had been previously experienced.

“The fact that we are living longer is to be welcomed but the impacts on our economy and our budget are profound,” Mr Frydenberg said, launching the report at a Committee for Economic Development of Australia (CEDA) event on Monday.

The five-yearly IGR provides a guide to how the economy will look over the next 40 years and what it means for the budget.

It is the fifth in the series, which was first introduced by former Liberal treasurer Peter Costello in 2002.

Deloitte Access Economics economist Chris Richardson said the new IGR should start some overdue national conversations. “Australians don’t spend enough time thinking about the future,”

Mr Richardson told AAP. “And when we do, we focus on squabbles over slices of the pie, rather than over the size of the pie. We can and should do better than that.” CEDA chief executive Melinda Cilento agreed the report shows Australia can’t afford another lost decade of policy reform.

She said Australia must tackle the costs of climate change, the reliance on income tax, boost productivity and fund essential services like health and aged care to manage the impacts of our ageing population.

“Now is the time to take serious action to address these challenges,” Ms Cilento said.

Mr Frydenberg expects the economy to grow by an average annual rate of 2.6 per cent from 2020/21 to 2060/61, 0.4 percentage points lower than the past 40 years. Australia’s population is expected to grow to 38.8 million by 2060/61.

In the last IGR released by former Liberal treasurer Joe Hockey in 2015, the population was projected to hit almost 40 million by 2054/55.

“This is the first time there has been a downward revision of the longterm population projections in an Intergenerational Report,” Mr Frydenberg said.

As such, he said the composition of the migration program when borders reopen has to be well targeted and skills focused so it can supplement the stock

of working-age people and slow the transition to an older population.

He said economic growth will continue to be highly dependent on productivity gains and a vital ingredient in lifting long term living standards and wages.

Earlier the treasurer pledged on ABC radio to fully fund the NDIS, while noting health and education spending were also at record highs.

“We want to continue to pursue reforms that encourage more investment by business, improve the provision of skills across the country and also ensure a more flexible workplace,” he said.

But Opposition Leader Anthony Albanese says the government has given up on reform and doesn’t even try to pretend to deliver it.

“It’s given up on a future agenda. This is a government where productivity was going backwards for two quarters in a row before the pandemic. We had a productivity recession,” he told Sky News.

Australian Industry Group chief executive Innes Willox also pointed out that most of the challenges identified in the report pre-date COVID. “Hopefully the need for action to maintain the COVID recovery will spur governments, businesses and the community more broadly to act more decisively on the numerous issues that have been clear for many years,” Mr Willox said.

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FIND MANNINGHAM | JULY 2021

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Welcome back to Your Library Service update from Friday, 18 June 2021 From Friday, 18 June, we are able to welcome more people to the library. All libraries will have a limit of 75 people at any one time, with the exception of Realm (50 per floor), Montrose (68), and Belgrave Express (30).

Call + Collect services are still 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, our Online Storytime program has resumed on Facebook, weekdays at 11am. Kids can also enjoy a wide range of 'boredom buster' activities on our YouTube page, presented by Your Library's Children's Librarians.

Conditions of entry: • • • • • • •

Library users must register their visit by using the QR Code or by registering in the Visitors’ Contact Log. A family group can enter by one registration using the QR Code or by registering in the Visitors Contact Log. 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.

See current services for updates.

Winter School Holiday Program

View current services

Book Now

We've been busy behind the scenes planning loads of awesome activities to keep the kids entertained over the upcoming Winter School Holidays, beginning Monday, 28 June. Book now to avoid disappointment!

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Welcome to Belgrave Express Belgrave Express is a temporary service running in Belgrave while the library building is being renovated. Services include: • • • • •

Holds collection Returns (during business hours only) A small selection of picture books and adult titles Storytimes (government restrictions permitting) 2 PCs and a printer/copier

Belgrave Express is open Monday - Friday from 9am - 4:30pm and is located within the Belgrave Community Hub, 1616/1624 Burwood Highway, Belgrave.

More info

Digital Library Spotlight Libby Chinese Collection Have you discovered Libby's Chinese Collection yet?

Enjoy a range of eBooks, eAudiobooks, and eMagazines for adults, as well as a selection of kids and teens titles. You can also make suggestions for purchase via the 'Recommend to Library' feature.

Explore now

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2021 TA

AAT extended power to pause or modify ATO debt recovery (2021 federal budget measure) Small businesses (aggregated turnover less than $10 million) will be able to apply to the Administrative Appeals Tribunal (AAT) to pause or modify ATO debt recovery action for debts being disputed in the AAT. Currently, small businesses are required to go through the court system to pause or modify ATO debt recovery action. Taxpayers are otherwise required to pay disputed tax liabilities by the due date or enter into a 50/50 arrangement with the ATO to defer recovery action. In the 2021 federal budget, it was announced that the

Announcement(8-May-2021) Consultation Introduced Passed

AAT will have power to pause or modify ATO debt recovery action until the underlying dispute is resolved.

Royal Assent

Debt recovery action includes garnishee notices and the recovery of general interest charges or related

Date of effect

penalties.

Superannuation guarantee exclusion for low income workers to be removed (2021 federal budget measure) The low income earners’ exemption for employers calculating their superannuation guarantee shortfall is proposed to be removed. Essentially, this exemption removes a superannuation guarantee liability for an employer where an employee has salary and wages less than $450 in a calendar month. The proposal, which will remove a section of the superannuation guarantee legislation, will not come into effect until after it passes through the parliamentary process. Where clients of yours contracts out payroll requirements to a third-party provider, best practice is to ensure a relevant update to the system is completed. This may involve

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

contacting the third party or completing a “dry run” prior to making any payments.

Downsizer contributions to superannuation (2021 federal budget update) Downsizer contributions have been available to members of complying superannuation funds since 1 July 2018. From this date, a person aged 65 years or older will be able to make a contribution up to $300,000 from the proceeds of selling their main residence. An announcement from the 2021 federal budget proposes that from 1 July 2022 the age limit will reduce from 65 to 60. This contribution will be outside the current nonconcessional rules. To be eligible to make the contribution, they must have owned their main residence for

Announcement(10-May-2017)

at least 10 years. It is available to both members of a couple for the same home, even if only one is on the

Consultation(11-May-2021)

title deed.

Introduced Passed

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

age test

•

work test, and

•

$1.6 million total superannuation balance test

Royal Assent Date of effect(1-Jul-2018)

for making non-concessional contributions.

Self-education removal of deduction limitation (2021 federal budget measure) Individuals may soon have the ability to increase a self-education deduction following a 2021 federal budget announcement. Currently, a self-education deduction is limited to costs above $250 each income year. This limitation, known as the s 82A limitation, will be removed subject to legislative approval. The announcement is somewhat related to a Treasury discussion paper released in December 2020. However,

Announcement(11-May-2021) Consultation(11-May-2021) Introduced Passed

other matters addressed in the paper, such as deductions for expenses unrelated to current employment,

Royal Assent

were not addressed in the budget announcement.

Date of effect

Individual tax residency framework reform (2021 federal budget measure) The individual tax residency rules will be replaced by a new framework with a primary physical presence test. Under the new primary test, a person who is physically present in Australia for 183 days or more in any income year will be an Australian resident for tax purposes. Individuals who do not meet the primary test will be subject to secondary tests that consider a combination of physical presence and other measurable criteria. These new rules contrast with the current rules which look at the ordinarily resides test as the primary indicator to reviewing Australian residency. Changes to the individual tax residency rules will be required to go through the legislative process and will commence after royal assent has been given.

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

AX UPDATES Rental properties to be data matched by ATO

The ATO has recently announced an intention to collect data from property management software providers.

The information will be data matched to ensure owners of rental properties are adhering to their taxation obligations. The data matching program will collect data from the 2018-19 income year through to the 2022-

Announced: 21-May-2021 Updated: 2-Jun-2021

23 income year. The main focus of the data matching program will be to identify undeclared income, as the ATO will attempt to match property ownership information to tax returns.

Temporary COVID Disaster Payment The federal government has announced a new support payment for individuals who are unable to work during a COVID-19 lockdown. Known as the Temporary COVID Disaster Payment, it will be a payment of $500 per week for people who reside or work in a Commonwealth defined hot spot. Like other support payments,

Announced: 3-Jun-2021 Updated: 3-Jun-2021

it will be available through Services Australia. Affected people will be able to apply from Monday, 7 June 2021.

50% minimum pension drawdowns extended for 12 months Minimum drawdowns for superannuation pensions have been reduced by 50 per cent for the 2019-20 and 2020-21 income years. Recently, it was announced that the reduction would extend into a third year for 2021-22.

This measure is intended to support retirees in managing the impact of the:

Announced: 22-Mar-2020

•

recent volatility in financial markets, and

Updated: 7-Jun-2021

•

prevailing low interest rates on their retirement savings.

Similar to 2009 GFC response measures, pension members who have already withdrawn above the new minimums are not allowed to “put the money back in”. However, any re-contribution to superannuation may be allowed under normal contribution rules.

Partial abolition of the superannuation work test The work test for making non-concessional or salary sacrifice superannuation contributions is proposed to be removed from 1 July 2022. Currently, members over the age of 65 are required to work at least 40 hours over a 30 day period in a relevant financial year when making a contribution. Removing this test for nonconcessional contributions (including the bring forward rule) will allow members to contribute more to super throughout their lifetime, subject to meeting other requirements. It is noted in the 2021 federal budget announcement that the work test for individuals between 67 and 74 years will continue to apply for personal

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

deductible contributions.

Div 7A extension request extended for 2020-21 minimum repayments Company shareholders who are unable to make a minimum Division 7A annual repayment in the 2020-21 income year may be allowed an extension of time to pay by the ATO. This is the second year in which the ATO has allowed an extension through a streamlined process. An extension will only be allowed by the ATO for the 2019-20 or 2020-21 income year if the COVID-19 pandemic has affected the personal circumstances of the borrower. If the request is granted, the borrower will have a 12 month extension to make the minimum annual repayment for a particular year. This means a: • •

2019-20 minimum annual repayment extension is due for payment by 30 June 2021, or 2020-21 minimum annual repayment extension is due for payment by 30 June 2022.​

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

On approval, the ATO will inform the borrower that they will not be considered to have received an unfranked dividend. This extension is intended to be used when a borrower is unable to pay, taking into consideration cash flow. The ATO is reminding taxpayers that making a false and misleading statement may bring significant penalties to the taxpayer.

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JULY 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: JULY 2021 | FIND MANNINGHAM

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FREE OPEN INSPECTIONS ADVERTISING JULY 2021

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

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

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

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JULY 2021 | FIND MANNINGHAM

35

Manningham

A budget built together that delivers for current and future generations Our 2021/22 Budget is now ready to deliver following endorsement at the Ordinary Council Meeting this week. We will invest in projects that will support and benefit our diverse community today, and ensure we are well placed to prepare for future generations.

Following extensive community engagement including a community panel, surveys, discussions with groups, and comments on Your Say Manningham, your feedback has helped inform our budget, key plans and strategies including our Community Vision, Council Plan, 10-year Financial Plan and Revenue and Rating Plan.

Manningham Mayor Cr Andrew Conlon said this year’s budget focuses on ensuring we deliver essential services while being aspirational and investing in things that matter to our community, along with being financially sustainable over the long term.

“We continue to beautify our City through a focus on our natural and built environment including investment in parks, playspaces, open space and facilities and services to support our residents’ needs.”

“Following what has been a challenging year, we are considering future income streams and ways to maximise returns on Council assets to ensure we continue to be financially sound for future generations.”

“Significant planning and considered debate has been undertaken by our newly-elected Council to carefully

determine our priorities and how to best meet the needs of our community,” Cr Conlon said.

Together with our accountable leadership, good governance, engagement practices and proven track record of getting things done, we will see the Manningham community thrive in the future.

•

Support for ratepayers undergoing financial difficulties through our financial hardship provisions.

•

$500,000 for a new Relief Fund to assist the community with a focus on business and not-for profits impacted

by COVID-19, the North East link project and other disruptions.

•

$250,000 for additional traffic safety measures and related programs in Council owned activity centres and recreation reserves in light of recent accidents and budget submissions.

•

New initiatives for sustainability and the environment, asset management, flood modelling, water management, strategic land use, data management, precinct planning, a feasibility study into a car share scheme, recognition of our volunteer community, and to reduce the harmful impacts of gambling.

•

$5 million acquisitions.

•

Establish a new ‘Strategic Fund’ to provide long-term community benefit and ensure ongoing financial sustainability. This will enable Council to invest in the development of major community infrastructure such as libraries, community hubs and recreation facilities. For example, this will include $20 million over the next four years for the construction of major community facilities.

This budget ensures we are set to deliver for our people, and envisage a brighter future for our diverse community.

See budget highlights below, and to learn more about the major initiatives that we will be investing in for the coming year read the full 2021/22 Budget document at manningham.vic.gov.au/budget Highlights include:

of

our

2021/22

budget

•

Increased funding for trees, footpaths, bicycle strategy implementation, drainage, roads and a significant investment in community facilities as part of the Capital Works Program.

•

$59 million Capital Works Program ($223 million over four years) to maintain and enhance Council’s $2 billion of community assets.

•

A huge program of waste initiatives such as Food Organics Green Organics (FOGO), glass and other recycling initiatives and advanced waste processing delivered within a $6.5 million allocation over four years.

•

Delivery of over 100 services for our

NRW 2021: Ash Firebrace This year’s National Reconciliation Week Exhibition features a collection of exquisite, small-scale ink drawings by Wurundjeri artist Ash Firebrace.

Image: Ash Firebrace, Untitled, 2020, ink on paper

community with $133 million in this year’s budget and $560 million over four years in our operating budget.

Produced throughout the last year, the collection depicts Wurundjeri culture ancestral beings and deities in a powerful graphic style with a muted black, white and gold colour palette.

Whilst reminiscent of Firebrace’s mural work, the drawings are also an intimate

for

strategic

land

and beguiling glimpse into the artist’s working method and his expression of cultural heritage and identity.

Accompanying the drawings will be a series of cultural artifacts produced by Firebrace, and a Possum Skin Cloak he produced in collaboration with his sister Michelle Mills.

Firebrace has also been commissioned to produce a new artwork for display in the Manningham Civic Centre, elements of which will be created in the Gallery during the exhibition.

Council News JULY 2021

Passing of former Doncare CEO

“Through this role, Doreen led the establishment of strategic partnerships with government and community agencies in our community.

“She has also been a leader and primary advocate in the areas of family, children and social support services in Manningham.”

Amongst her many other community commitments Doreen was also the Board Chair at Safe Futures Foundation, a family violence service, where she continued to advocate for a safe future where people are free from family violence.

Manningham Mayor, Cr Andrew Conlon has expressed his sadness and extended his sympathies to the family, friends and colleagues of former Doncare CEO Doreen Stoves

“Doreen will be remembered for her role as a passionate and committed CEO of Doncare for 19 years leading up to her retirement in April 2020,” he said.

Cr Conlon said she would be remembered for her formidable leadership in strengthening our service systems and her important contribution to the Manningham community.

“On behalf of Manningham Council, I would like to pass on our sincere condolences to all who knew Doreen at this extremely difficult time.”

Our strategic plans for the future of Manningham driven by the community, delivered by Council Manningham Council’s road maps for the future, outlined in the Council Plan 2021-2025 and the 10 Year Financial Plan were endorsed at the Ordinary Council Meeting this week and are now available for final comment.

Manningham Mayor Cr Andrew Conlon said all the Councillors were proud to have developed these plans with the community.

“These plans will ensure that Council provides for the community today, and more importantly, plans for the future.”

Highlights of the 10 Year Financial Plan:

•

$9 million for waste initiatives

•

$1.52 billion on service delivery

•

•

$0.54 billion Capital Works Program - which is an average of $54 million per annum over the next 10 years - a significant increase on the previous average of $40 million per annum in the previous four years

$18 million to acquire land to create more parks, playspaces and open space

•

$47 million to maintain and improve our parks, playspaces and open space

•

$5 million for strategic property acquisitions

• •

“It was great to have our community panel contribute their thoughts and aspirations for our community to help us develop these plans,” Cr Conlon said.

The Council Plan 2021-2025 outlines the priorities and goals for Manningham, why they are important and the actions we will take to deliver better outcomes for the community.

The 10 Year Financial Plan ensures we

•

Increased ongoing funding footpaths, drains and trees

for

Establish a new ‘Strategic Fund’ to provide long-term community benefit and ensure ongoing financial sustainability. This will enable Council to invest in the development of major community infrastructure such as libraries, community hubs and recreation facilities. For example, this will include $20 million over the next four years for the construction of major community facilities. $44 million for the development of major community facilities

The community now has the opportunity to review and provide feedback on the strengths of the plans, or let us know if we have missed anything.

You can view and provide feedback on these documents: • •

Council Plan 2021-2025 – yoursay. manningham.vic.gov.au/ councilplan2021 10 Year Financial Plan – yoursay.manningham.vic.gov. au/10yearplan

Feedback closes at 5.00pm, Sunday 18 July.

JULY 2021 | FIND MANNINGHAM

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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

40

FIND MANNINGHAM | JULY 2021

findmannigham.com.au

JULY 2021 | FIND MANNINGHAM

findmanningham.com.au

41

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

JULY 2021 | FIND MANNINGHAM

41

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

Dig into these exclusive International Chocolate Day offers It’s time to celebrate International Chocolate Day! Chocolate is a universally adored treat. Whether you’re dunking fruit into it, consuming it in liquid form, or just tucking into a giant block of the good stuff for no plausible reason, one thing we can all agree on is that chocolate undoubtedly makes everything better.

Westfield Living Centres are open We are open and here for you, and want to let you know the precautions and actions our team is taking to prioritise your wellbeing Our Westfield Living Centres are open and trading with COVIDSafe protocols in place, which are in line with the latest government and health advice. We apply the highest standard of cleanliness and hygiene across our Westfield Centres, and have increased the routine cleaning of frequently-touched hard surfaces, including in car parks. We expect our retail partners to apply the same principles to their cleanliness and hygiene.

As retailer hours will vary, we recommend phoning individual stores ahead of your visit for the most up-to-date trading hours.

Please select your local centre below for hours and to browse stores for retailers’ contact information.

NAIDOC Week 2021 NAIDOC Week 2021 is an opportunity for all Australians to come together to celebrate the rich history, diverse cultures and achievements of Aboriginal and Torres Strait Islander peoples.

The NAIDOC 2021 theme – Heal Country - invites the nation to embrace First Nations’ cultural knowledge and understanding of Country as part of Australia’s national heritage and equally respect the culture and values of Aboriginal peoples and Torres Strait Islanders as they do the cultures and values of all Australians.

JULY 2021 | FIND MANNINGHAM

43

RETIREMENT

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ACCOMMODATION

RETIREMENT ADVICE

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WHO WE ARE

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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.

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info@retirement.com.au

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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.

JULY 2021 | FIND MANNINGHAM

findmanningham.com.au

45

BOREDOM IS A MENTAL ISSUE RETIREMENT

By Bernard Kelly

Because we are the first generation who are living – en masse – into our 90s, we have never been taught how best to combat boredom.

There are no roadmaps – we are pioneers who must find our own pathway.

Boredom is actually a mental issue – if we can’t control our minds, then external forces will. Our brains are living organisms, wanting to acquire knowledge. And if we don’t put our hands on the tiller, television and newspapers will fill the gap.

CONTINUE LEARNING The first antidote is to continue learning.

The phase Lifelong Learning is now in common usage, and for good reason.

We now have 35 years in retirement, and we will obviously need to forget most of what we knew, and learn about our constantly changing circumstances.

Formal programs are best, as the structure will keep you focused, and an online undergraduate degree will provide you with direction for the next eight years.

GROUP PARTICIPATION Group Participation is an activity that most of us never learned, but it’s a fine medication to combat boredom.

Take Rotary for instance.

When you join Rotary, the schedule is laid out for you, and who your team associates will be. This is active in-depth Participation, and so in contrast to the very individual activity of borrowing books from your local library.

TECHNOLOGY Another approach technology.

is

to

embrace

There is so much to learn and do – banking, shopping, health management, socialisation etc.

It is easy to incorporate technology into your lifestyle – you could be watching live feeds of birdlife in the UK or playing games against international teams.

MINDFULNESS This is all about stress reduction – and stress is all too common in our world.

It’s also about happiness – something Buddist monks know all about, but when we’re listening to the radio while preparing breakfast and simultaneously thinking about next weekend, we fail to see cloud formations or flowers in bloom in the garden.

Mindfulness is up there as a primary tool to combat boredom.

COMMUNITY RESOURCES Community resources are everywhere – and if you’re surprised it’s because you haven’t looked for them.

My suggestion is to look for Neighbourhood Houses in your locality.

They host choirs, low cost lunches, gardening clubs and other numerous activities that will help you combat boredom.

Bernard Kelly Bernard Kelly writes about retirement issues. To comment, his email is bernardkellygeelong@gmail.com JULY 2021 | FIND MANNINGHAM

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PAGE PAGE

PROFESSIONAL SERVICES

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

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

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

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CRAIG ANDERSON GENERAL INSURANCE

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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!

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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

in Melbourne and Surrounding Areas

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• • •

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

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

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PAGES

HOME & GARDEN

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

We want to support local tradies.

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

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

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

PAGES

HEALTH & BEAUTY

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

We want to support local tradies.

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

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 41 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

Contact Us

Areas of Clinical Focus • Difficult Birth and Unsettled babies • Feeding and Tounge Tie • Baby and Child 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

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

JULY 2021 | FIND MANNINGHAM

53

editor@findmanningham.com.au

SPORTS

VICTORIA WINS RSL NATIONAL LAWN BOWLS CHAMPIONSHIP Victoria has won the 53RD National RSL Lawn Bowls Championship, successfully winning all Tests at the National RSL Bowls Carnival in Sydney ,at the Cabramatta Bowling Club on 28th to 30th April 2021.

This carnival is run on an annual basis, vying for the Jack Hamilton VC trophy, with each of the states hosting the event on a rotational basis. Perth is host for the 54th National Carnival in April 2022.

Twenty players in five rinks of four, as selected by their respective state bodies, compete in 5 tests over two and a half days in fierce but friendly competition.

This competition also allows all participants to renew old acquaintances and to create new and lasting friendships with all the people who have served our country with courage, dignity and pride.

Congratulations to all Victoria’s players for a magnificent effort.

This event is open to full service RSL members only, but Victorian RSL Lawn Bowls conducts a few RSL State events open to all Affiliate and Service members. These include: * RSL State fours and triples championships, * ANZAC Day Tournament and the Challenge Day tournament, * Duke of Edinburgh Shield. * Further news on the Edinburgh Shield in next edition.

JULY 2021 | FIND MANNINGHAM

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Birth, Deaths & Marriages JULY 2021

Email: editor@findmanningham.com.au

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

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

Birth, Deaths & Marriages JULY 2021

Email: editor@findmanningham.com.au

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

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

JULY 2021 | FIND MANNINGHAM

57

MANNINGHAM

Support your Local Not-For-Profit

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

Find Coffee

Find Dining

FundRaising

Buy 1 Get 1 Offers

Fine, Contemporary & Bistro

Support Your Local Community

Find Travel & Entertainment Fun for All Ages

Great Local Deals

Find Takeaway

Buy 1 Get 1 FREE Offers Up to 50% Off

Fine, Contemporary & Bistro

FREE

Find Brekky, Brunch, Lunch Cafés & Bistro

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

LOCAL COUPONS

31 January - 31 January 2022

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

FIND CARD LOCAL OFFERS

M A S

E L P

PRESENT VALID FIND CARDS Registration of Find Cards Please go to www.findmanningham.com.au/register Please refer to Page 76

LOCAL COUPONS OFFERS

TABLE OF CONTENTS BUSINESS NAME

CARD NO.

PAGE NO.

FIND COFFEE COMING SOON

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Dining

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

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

S S

M A

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Coffee

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

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M A

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

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JULY 2021 | FIND MANNINGHAM

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Entertainment

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

S S

M A M A

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M A

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Coupons &

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

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

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

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

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

Find Cards Policy

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

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

Present Find Card You are required to present your Find Card at any participating businesses if you wish to secure the discount or goods/service being offered.

Authentication Code & Customer Signature All Find Cards must display an Authentication Code and a members signature to be deemed VALID. If your Find Cards does not display your signature and the correct code, the business can refuse to provide the discount offer advertised. You will receive your Authentication code after registering your Find Card.

PRESENT VALID FIND CARDS

VALID

Valid Find Cards have four folds and contain six different categories. Valid Find Cards will have its Regions logo sticker placed in the circle at the back and has an Authentication code display in front of the Find Cards

NOT VALID

Find Cards that DO NOT display its Regions Sticker in the circle at the back and DO NOT display an Authentocation code in front of the Find Card are INVALID. They will not be accepted at any participating businesses. Also, your signature must be present. You may be asked to present ID to verify that Find Card belongs to you.

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

Copyright 2021 Find© Pty Ltd.

July 2021

www.findmanningham.com.au