Find Manningham 2021 - May Edition

anningham The

MAY 2021

WHAT’S INSIDE: 03 8

www.manningham.vic.gov.au

LOCAL STORIES COLUMNIST ARTICLES

28

TAX UPDATES

30

REAL ESTATE - RENTAL LISTINGS

34

MANNINGHAM COUNCIL NEWS

55

BIRTH, DEATHS & MARRIAGES

57

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SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

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COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

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LAW

SHANE BLEAKLEY

DEAN BOSMAN

GENERAL INSURANCE

LACTATION CONSULTANT

MORTGAGE BROKER | FACILITATOR

WARREN STRYBOSCH

JODIE MOORE

BOOKKEEPER

ARCHITECT

KATHY ISMAIL

NEHA NAYYAR GARAGE DOORS

CHANTAL DJURIC

CRAIG ANDERSON

JOANNA STRYBOSCH

SIGNAGES

LIFE COACH

EDITOR | WRITER

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LESLEY-ANNE BANTON

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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 Tuesday, June 8, 2021. Advertising and Editorial copy closes Friday June 4, 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.

Telehealth Extend Until End of December

By Rebecca Gredley (Australian Associated Press)

Medicare-subsidised telehealth sessions will be extended until the end of the year, with plans afoot to make it a permanent part of Australia’s health system.

Health Minister Greg Hunt on Monday confirmed the $114 million six-month extension, which will make telehealth available until the end of December.

Mr Hunt is working with the Australian Medical Association and various health groups to figure out the best way to permanently incorporate telehealth into the system.

“We have, in the context of COVID, changed the way we deliver medicine in Australia, and so made health more accessible for people in rural and remote areas,” the minister told reporters on Monday.

The Australian Psychological Society said 94 per cent of psychologists were using telehealth to provide mental health support to Australians.

More than 54 million telehealth consultations have taken place since the start of the pandemic, when coronavirus restrictions made it harder for people to attend appointments in person.

The society’s president Tamara Cavenett said the extension would ensure Australians could receive mental healthcare regardless of lockdowns, isolation or health concerns.

“Disrupted treatment plans can mean two steps forward and one step back,” she said.

“Knowing telehealth psychology sessions can be accessed under Medicare until the end of the year provides muchneeded certainty for psychologists and their clients.”

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Mothers Make the World Go Round This is a special shout out to all you mothers your own businesses, or for others, and do all the work for the those you

for Mother’s Day. You work hard, be it in then you come home and sacrificially love.

We want to acknowledge all world for the tireless work love you provide to your community.

those mothers out there in the you do and for the constant family, friends and wider

We want to wish all those mothers who child this year. We and we hope your blessing to you, age.

first-time mothers and have had another wish you all the best children will be a now and in your old

For those who are mothers, we hope reality for you we look forward motherhood with you

hoping to become this becomes a this year and to celebrating next Mother’s Day.

For those mothers who we think of you, and send to you. We hope you have you through this time.

have lost loved ones, warm wishes and hugs others around you to help

To all mothers, our hearts go out home and make it the loving place

to you. You are the heart of the that it is.

Outcome of Millimetre Wave Spectrum Auction Five companies have won spectrum in the Australian Communications and Media Authority’s latest spectrum auction in the 26 GHz band. The 26 GHz band has been identified as optimal for the delivery of 5G wireless broadband services.

Of the 360 lots available in the auction, 358 were sold, realising a total revenue of $647,642,100, equivalent to almost $0.0127/MHz/pop.

Dense Air Australia Pty Ltd won 2 lots for $28,689,900, Mobile JV Pty Limited won 86 lots for.

$108,186,700, Optus Mobile Pty Ltd won 116 lots for $226,203,100, Pentanet Limited won 4 lots for $7,986,200, and Telstra Corporation Limited won 150 lots for $276,576,200.

“This outcome represents another significant milestone for 5G in Australia.

The successful allocation of this spectrum will support high-speed communications services in metropolitan cities and major regional centres throughout Australia,” said ACMA Chair Nerida O’Loughlin.

“This auction is one among a suite of licensing approaches that the ACMA has introduced in the.

26 GHz and 28 GHz bands to encourage a wide range of innovative communications uses,” said Ms O’Loughlin.

Licences won at auction will come into force later this year, for a 15-year term ending in 2036.

The full results have been published on the ACMA website.

MR 10/2021 For more information, please contact ACMA Media on 0438 375 776 or media@ acma.gov.au.

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Pfizer CEO says a THIRD Covid Vaccine Dose will be needed as soon as six months after someone receives two shots - and then people will be vaccinated annually Pfizer Inc's CEO says he believes people will 'likely' need a third dose of the COVID-19 vaccine.

During a panel discussion hosted by CNBC in conjunction with CVS Health that aired on Thursday, Albert Bourla said a potential booster shot would be administered six to 12 months of being fully vaccinated.

Bourla added that he thinks it is possible that people will need to be immunized against coronavirus annually.

'There are vaccines that are like polio that one dose is enough...and there are vaccines like flu than you need every year,' he said.

'The Covid virus looks more like the influenza virus than the polio virus.'

Recently, updated from clinical trials showed that the Pfizer vaccine was more than 90% effective at preventing COVID-19 six months after the second dose.

However, more data is needed to determine if protection lasts beyond six months (Berkeley Lovelace Jr., 2021) (Source: CNBC)

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WHAT IS MYOSITIS? NATURE & CONSERVATION

By Liz Sanzaro

A sneaky rare inflammatory condition, generally taking between 5 to 8 years and also a muscle biopsy to eventually get a firm diagnosis.

It is sneaky, because often it starts without a fanfare! Just general fatigue, loss of strength in legs and arms. A two litre container of milk becomes heavy and jars become impossible to open, gardening more difficult as well as tiring and getting up off the ground extremely difficult. A person might find that they need to use two hands either on the arms of a chair or one on a table to get upright from seated position. An aid, such as shown below may be required to stand from sitting and also from getting off a regular height toilet.

Image Courtesy of Medical news today

Myositis is a group of inflammatory muscle conditions that worsen over time, there are some pharmaceutical drugs used to alleviate symptoms in some types but at present there is no cure. A dedicated specialist in Perth, has gathered DNA from a good size sample of sufferers and some control people without the disease, to see if there are any obvious markers, this work is in progress currently.

Image Courtesy of Vintage Fitness

Image Courtesy of medical express.com Image Courtesy of Havard Health

Myositis often presents with a large bag of “goodies” actually baddies, from which some people may have two or more of the following associated conditions.

Dry eyes, trouble swallowing, tendency to trip on the slightest change in levels on ground, slightly elevated white cell count, or other associated autoimmune diseases like Rheumatoid arthritis, Osteo arthritis, Raynauds syndrome, Scleroderma, or Pulmonary fibrosis. The swallowing issue can sometimes cause a cramp spasm of the muscles in the oesophagus, which sufferers say feels like a heart attack, but will generally pass within a few minutes.

Very observant medicos and allied health professionals may be the first to notice something rather than a GP. For example, a podiatrist, when watching a client walking with new orthotics, may notice that the feet are not picked up to a regular height. Or watching someone get up from a chair, they will use other forms of support to push up, not just their thigh muscles.

Friends and relatives may notice the lack of stamina when walking, particularly uphill, or worse on stairs. Trying to pull down a disability seat in a train is too hard, holding a petrol pump at the bowser may cause hand cramping.

Reaching above head height becomes increasingly difficult.

The muscles are affected at a cellular level by an attack from the persons own immune system. Sometimes a particle is left leaving behind inside the muscles, this is called Inclusion Body Myositis. There is also Dermatomyositis which can affect muscles and skin. There is even Juvenile Myositis. All forms effectively damage what were healthy muscle tissue, leaving it weakened irreversibly and affecting the person’s ability to function effectively.

Australia has it’s own Myositis Association with meetings held quarterly to support each other.

More information can be found at www. myositis.org.au

Liz Sanzaro President of Croydon Conservation Society www.croydonconservation.org.au liz@sanzaro.com

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Accountants and Tax Agents To Verify Identity of Clients

By Warren Strybosch

The ATO and Tax Practitioners Board (TPB) are now requiring tax agents and accountants to verify new clients in an attempt to reduce identity fraud.

“We’re asking that they perform identity checks from this point on, at the next opportunity in their normal dealings with clients,” Ms Gallagher said.

“The Tax Agent Services Act 2009 does not expressly set out minimum requirements for tax practitioners to verify a client’s identity,” he said.

In a joint statement, the ATO said it has seen an increase in attempts by criminals to commit refund fraud by stealing the identities of taxpayers. This, the ATO said, has coincided with an increased reliance on technology and remote working practices.

The ATO is encouraging tax practitioners to voluntarily start adopting the new client verification standard immediately before it becomes law. The TPB hopes that these measures will better protect Australians from tax fraud via identity crime.

The ATO and TPB will bring in mandatory laws which will require tax practitioners to verify the identity of new clients and for existing clients, only when they next do any work for them.

"However, there are implications under this Act if tax practitioners fail to take reasonable steps to ensure the identity of their clients is established. Our draft guidance provides practical guidance and examples, so tax practitioners do not fall foul of their obligations and put their registration and business at risk.”

TPB chair Ian Klug AM said the guidance will apply to all registered tax practitioners regardless of whether they use the ATO’s online services or not.

So, when you see your tax practitioner next time, be prepared to produce your Drivers Licence or other form of Identification to prove your identity.

Support Local, Buy Local, Discover Manningham

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

Manningham editor@findmanningham.com.au

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Ringwood Hall circa 1890s, loc

Ringwood's First Hall HERITAGE & HISTORY

By Russ Haines

In my opinion, the most historical significant buildings are those simple wooden ones, such as shops, churches and halls that once adorned our district.

They were not pretty but they satisfied the great need by the community to have a public meeting place and entertained a variety of organisations. The locals made wonderful use of it and it was generally the central hub of a town.

Ringwood’s first indoor meeting places were the hotels, namely, the Coach and Horses Hotel run by the Wiggin parents and the Club Hotel, at the other end of town, built by their son.

Ringwood's first public hall, was the little hall converted from a blacksmith's shop beside the now defunct Club Hotel, where Daisy’s Garden Supplies was in Mount Dandenong Road, Ringwood. The only photograph, that we have, shows what a happy time people had there!

The wooden building saw many enjoyable gatherings between the years

1877 and 1909, in which year, it was destroyed by fire. At one stage, it was used as an overflow for Cass’ school, which was located between Everard and Dublin Roads.

In October 1884, the residents of Ringwood, made an application that the New Ringwood Hall be registered as a dancing saloon, describing the building and its proportions, and enclosing a registration fee of £1. The application was granted subject to the inspection of the building by the Inspector of Nuisances.

From 7th to 9th March, 1901 the Commonwealth Fair was held in hall in connection with the new Church of England building. On 24th May 1901, An enthusiastic meeting of the principal fruit-growers in the Ringwood and Croydon district was held at the hall on Thursday night, and was presided over

by Councillor HR Chandler. A paper was given by Mr. AE McComas on the subject of "Profitable Outlets for Our Fruits”.

In 1902, the Lilydale Shire Council considered purchasing two “Best” lamps, which ran on oil, one for the Ringwood Station and the other for the hall, Mr Kay lighting the lamp every night. A social

evening was held in 1905 to welcome the new pastor to the Anglican Church.

The Archdeacon for Melbourne, the Venerable WJ Hindley, attended. A wellattended meeting in October 1903 to form a new horticultural society, the old society only having 12 members.

In 1902 there was an enthusiastic meeting held in the Ringwood Hall on 29 January to discuss having a co-operative jam factory in the area, and a committee was formed to seek information about the project from people such as Mr H. Maggs who had already started a small jam-making plant.

In 1908, the junior Rechabites Lodge held a social evening in the Ringwood Hall, entertained by Mesdames Sherburn and Dawes, with Master Dawes reciting poetry.

A new Mechanics’ Institute/Free Library was built at a very fast rate, opposite the station, and opened officially in a week’s long celebrations in September 1909.

Sadly the old hall was burnt to the ground, without circumstances recorded, also in the same month. It was owned by Messrs Blood Brothers and Dawes, and leased by the South British Insurance Company.

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Suncorp Sells Super Business to LGIASuper

By Warren Strybosch

The ATO and Tax Practitioners Board (TPB) are now requiring tax agents and accountants to verify new clients in an attempt to reduce identity fraud.

“We’re asking that they perform identity checks from this point on, at the next opportunity in their normal dealings with clients,” Ms Gallagher said.

“The Tax Agent Services Act 2009 does not expressly set out minimum requirements for tax practitioners to verify a client’s identity,” he said.

In a joint statement, the ATO said it has seen an increase in attempts by criminals to commit refund fraud by stealing the identities of taxpayers. This, the ATO said, has coincided with an increased reliance on technology and remote working practices.

The ATO is encouraging tax practitioners to voluntarily start adopting the new client verification standard immediately before it becomes law. The TPB hopes that these measures will better protect Australians from tax fraud via identity crime.

The ATO and TPB will bring in mandatory laws which will require tax practitioners to verify the identity of new clients and for existing clients, only when they next do any work for them.

"However, there are implications under this Act if tax practitioners fail to take reasonable steps to ensure the identity of their clients is established. Our draft guidance provides practical guidance and examples, so tax practitioners do not fall foul of their obligations and put their registration and business at risk.”

TPB chair Ian Klug AM said the guidance will apply to all registered tax practitioners regardless of whether they use the ATO’s online services or not.

So, when you see your tax practitioner next time, be prepared to produce your Drivers Licence or other form of Identification to prove your identity.

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

Manningham editor@findmanningham.com.au

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SMSF – Are you ready for the new independent auditor standards?

ACCOUNTANT

By Warren Strybosch

With the introduction of new independent auditor standards which take effect on the 1st July 2021, trustees and advisors will need to review their documentation before an audit falls due.

Already, trustees are having to get new investment strategies put in place as most auditors, if not all, are now not accepting the standardised investment strategy found in most trust deeds. Auditors are wanting to see investment strategies that reflect the client’s circumstances and to address issues around single assets e.g., property.

Also, auditors will be looking more closely at personal insurances for members and trustees to make sure they are adequately insured or that the trustees/members are fully aware of the issues when faced with underinsurance or where there are no insurances in place.

Given most accountants are not able to provide advice around investment strategies and/or personal insurances, they will need to refer their clients to a financial advisor. This means trustees will be paying more money in fees to make sure the SMSF remains compliant.

The issue is that these new independent auditor standards are based on interpretation and that there is not one standard that fits all. What we mean here is that each auditor can interpret the law differently. You will find some auditors will want to see proof the client has been to a financial advisor and not just had a discussion with the accountant. Others may want to view a detailed investment strategy outlining the future benefits or issues related to certain assets held in the SMSF. Speaking at a recent Topdocs strategy update, ASF Audits head of education Shelley Banton said with the new auditor independence standards will require greater considerations on how the new auditor is going to be looking at the SMSF investment strategies and if trustees have given consideration to their own personal insurance needs and the members personal insurance needs.

“Once there is a change in the auditor, the first thing advisers need to consider is whether the investment strategy actually complies with Reg 4.09 in all of those key compliance areas or does it simply recur to take the legislation because, if it’s the latter, then there’s certainly some work that needs to be done.”

Ms Banton recommended that it’s better to be proactive and have a conversation with your SMSF auditor up front rather than waiting for audit queries to come through. This can be addressed on an entire basis of the fund’s strategy and can be a better approach when considering if the audit is going to be held up at the end of the day.

Another area to consider is insurance where the requirement for trustees to consider insurance was introduced back in 2012.

“Now this is something which is typically just considered in the annual minutes in each year because that is what comes through the SMSF administration software, so you may need to do a little bit more work. Think about if there is actually a specific addendum to the investment strategy which was developed at that time or is it actually included in the body of the investment strategy,” she said.

“It’s an aspect to consider because SMSF auditors will be looking more closely at this and it’s going to hold up the audit.”

“Let’s also not forget about non-standard assets. Have the trustees invested in derivatives, for example, and is there a derivative management statement in place? Think about if they have also invested in business real property, LRBAs or related unit trusts, and are the activities

of the fund justified in giving effect to the investment strategy?

“Once again, all these are definitional elements of Reg 4.09 being considered in relation to these non-standard assets.”

At the end of the day, Ms Banton said SMSFs need to make sure the investments are appropriate to the retirement needs of the member and the full circumstances of the fund.

“These are the types of things that are going to be looked at and reviewed potentially with a fresh set of eyes for the first time,” she said.

“There are a lot of questions that need to be answered not only in this area of compliance but obviously across the board with the new SMSF auditor, and once again, you may be better off having an upfront conversation to reduce any delays in completing your audits.”

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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First Home Buyers – This one’s for you MORTGAGE BROKER

By Jodie Moore

Buying your first home whether it be for yourself or as an investment, can be a daunting time. This article is mostly for buying your first home to live in so if this is you, read on.

It can be hard to save the deposit for your first home purchase especially if you are already renting. There is no getting out of it though, you will need to save 5% of the purchase price yourself, known as genuine savings. Most lenders like to see a regular savings plan over a minimum 6 month period. I would recommend getting an idea of what your mortgage repayments are likely to be once you are in the house and then working out the difference from your future mortgage repayments with your current rent, then aim to save this difference. I would also have a think about additional costs of home ownership such as rates, home and contents insurance and maintenance costs that you would not normally have when renting.

During the 6 month period leading up to you looking for a loan, I would also look at your current expenses and consider what you would be happy to give up if it meant the difference between being accepted for a loan and not. It is a common misconception that lenders do not want you to have a life, but they are concerned with whether or not you can comfortably afford a loan. If you have a credit card, look at

making sure you are keeping up with the monthly repayments. Minimise the credit card limit. Even if you rarely use a credit card, if you have a $10,000 limit on it, this will go against you with how much you can borrow. Reduce it to the minimum you can. Avoid or at least minimise the use of Buy Now Pay Later options when shopping such as Zippay, Afterpay and Humm. You may be required to close these accounts down before having your loan approved.

Now that you have your finances under control and on track to saving your deposit, it is time to look at what is available to First Home Buyers to help them get started. The Government encourages FHB through a range of grants and schemes. I have outlined each one below. These are correct at the time of writing but can change at any time.

First Home Owners Grant (FHOG): This is probably the most known one. In Victoria (each state have their own rules), a first home buyer may be eligible to receive $10,000 (Melbourne) or $20,000 (regional). There are several requirements for this such as the value of the house, whether it is new or established (can only claim on new homes)and whether you have previously purchased a house. You can find out more details by contacting a broker or visiting the State Revenue website (https://www.sro.vic.gov.au/fhogapply).

Stamp Duty: You may be eligible to be exempt from paying Stamp Duty, or at least receive a reduction. The eligibility

requirements are similar to the FHOG but can be claimed when buying an established home. The value of the home will determine whether you are entitled to a full exemption, a reduction or not eligible. Speak to a broker or visit https://www.sro.vic.gov.au/fhbduty First Home Super Saver Scheme: This is a great way to boost your savings for your deposit especially if you are just starting out and 2-3 years off. You can pay a certain amount extra into your Superannuation each year and then when you are ready to buy, withdraw that extra money back out to use towards your deposit. As this one has tax implications and needs to be done correctly, I would highly recommend speaking to an Accountant or Financial Planner. https://www.ato.gov.au/individuals/ su per/withdrawing- and-using-yoursuper/first-home-super-saver-scheme/ These are the main ways the Government is helping First Home Buyers to get onto the property ladder. I have supplied links to the relevant government website, but please contact your broker who will be able to apply it to your specific situation and let you know exactly what you may be eligible for.

Jodie Moore Finance Manager Find Mortgages t/as Find Home Loan www.findgroup.com.au/finance 0402 513 213 MAY 2021 | FIND MANNINGHAM

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LEGAL

By Dean Bosman

Often a real estate agent will ask a potential purchaser to make a written offer, which will take the form of signing the three relevant signing pages for the standard contract for sale.

The reason for this is that the vendor can consider any number of offers, and when they get the best offer, all they need to do to accept the offer is to sign the pages of the contract, and reinsert them into the contract.

Simple! Except that it’s not sometimes.

For instance if you sign an offer like that, and don’t get a response for a few days, you may be tempted to make an offer on another property. What happens if you make a second offer, and after the colling off period has expired, the vendor for the first offer you made accepts your

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offer by signing the terms - and suddenly you have two properties for which you are potentially committed to buy?

This is compounded by the fact that, in Victoria only, the cooling off period starts from when you sign the contract, regardless of whether or when the vendor signs! So if the vendor signs after your cooling off period ends, what can you do?

This has been discussed recently in a case, and it was determined that if the purchaser immediately says they do not want to proceed with the purchase, they cannot be held to the contract.

Of course, if you don’t know about this fact, it could be quite stressful to try and get out of one of the contracts.

Fortunately, you can enter a longer cooling off period in the pages of the contract when you make the ‘offer’, and if the vendor takes too long to respond, you can simply notify the vendor that you are

exercising your rights under the cooling off period and rescind the alleged contract.

In my view, it is best to simply make a written offer in a different form, so that the real estate agent can be sure it is a written offer, and the vendor can also be sure that the offer is genuine.

If you have any questions concerns about a contract sale of land, please contact

or for us.

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

0422 114 300

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Let’s Talk About the Importance of Training BOOKKEEPER

By Neha Nayyar

Training is important because it represents a good opportunity for employees and business owners to grow their knowledge base and improve their job skills to become more effective in the workplace.

Training empowers you and your team to learn new skills, refine existing ones and promotes performance and productivity.

These are the ingredients which allow you to be the leader you’ve always dreamed of!

Here’s our top 5 most important areas for training: 2. Financials - Understanding how to read these financial statements is the first step in understanding your business’ financial situation and a step towards making informed, strategic business decisions. It’s common among business owner’s to only review their financials once a year, at the end of a financial year, after it’s been prepared by their accountant. With some training Business owners can understand how to read the financial statements on a day to day basis and make those important decisions on the basis of facts and financial information.

Training on financial statements creates a good basis for business owners to grow their business as an entrepreneur.

2. Marketing - How do you know whether your marketing plan is effective? Do you have a system which enables you to compare and analyse how your website or marketing campaigns are tracking?

Having the ability to understand and compare your marketing tactics is highly effective for the success of any business. Marketing is often accompanied by a large cost so it is important to understand your marketing tactics is highly effective

for the success of any business.

Marketing is often accompanied by a large cost so it is important to understand your marketing analytics to maximise the bang for your buck.

A basic training on Marketing (even if you outsource it) will enable you to make correct decisions.

3. Human Resources - As a small business owner there are so many things to manage and take care of - sales, customer relationships, marketing, etc. - the list is endless.

With all of these responsibilities it’s challenging to find the time for things that may seem lower on the list of priorities, like HR for example. Having a strong understanding for human resource management can have a huge impact on the culture of your organisation and the well-being of your staff. Being knowledgeable in human resource management will enable you to develop and implement policies for your business to ensure everyone is being looked after.

4. System Operations - We all want our businesses to run smoothly and efficiently but often don’t know how to achieve this. Well, we’re here to tell you that systems and processes are essential to the longevity of every business and it’s all about having the right procedures in place to ensure your business is operating optimally. By having solid systems in place you'll have the ability to 1. Measure your performance 2. understand and keep up with trends and 3. streamline your processes to increase efficiencies. Systems often connect different departments together so it’s important to understand how to set up these systems and put them into practice.

5. Upgrading in your own industry - It’s as important for you as a business owner as it is for your employees to continually grow and upgrade your skills to stay up to date with industry changes. Training in your field means you can work more efficiently each day and are always aware of new and smarter ways of doing the same activities.

With the end of financial year just around the corner perhaps it’s time to review your internal training methods and improve any pain points you may encounter. At Sum and Substance we’re passionate about training business owners on the financial side of things allowing them to make informed business decisions.

If you would like our support in training you or your team how to do your own books then please contact us. We can be reached at (03) 9424 9447 or email.

You can directly book in a time to chat by clicking here.

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

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What Would Love Do?

Sometimes we need a little help.

Useful questions you could ask yourself in that moment when you ticked off your checklist and you need some help: •

If I was experiencing what my child is expressing, what might I need? What might love say?

•

“I wonder for what purpose is my child doing that” and then seek the answer from them rather than fill in the gaps. - What is love telling you?

•

I wonder what else might be causing that?”- what might love guide you to?

•

“If my child is not being bad/ naughty, for what reason are they behaving this way? What do they need? Who dothey need me to be in this moment? - what would love say?

•

“If there were no rules or expectations, how would I see my child in this moment?”- What would love say?

•

“How can I love my child in this moment in the way they need to be loved?”- What would love do?

•

“What do I need to be able to manage this?”- What would love do?

•

“I wonder what am I making my child’s behaviour/ emotional expression mean about me?”- What would love say instead?

PARENTING

By Lesley-Anne Banton

When your child is not coping with the world, what would love do?

When your child can not express themselves through words and it is all too distressing, what would love do?

When you are not coping with or understanding your child and you have tried everything you can think of, what would love do?

When you are feeling you have ticked all of the checklist of things you think you need to do for your child and it’s not working, what would love do?

There is a wonderous world out there when you are navigating being a parent, so much uncertainty can come up, many things can be triggered and so much is yet unknow on your journey and your child’s.

There is a unknow wonderous world for your child too. Children are born with an innate way of giving you clues of what they need however they are not born with an intact full understanding of themselves and the ability to fully express it in a way that it is obvious. They can give you hints and clues along they way.

As well as the joy and delight that can come with being a parent and a child, there comes challenges and obstacles.

And in these obstacles, you could discover that your child may need something outside the checklist to help them through the day or night. You might discover you need new understandings, strategies or skills to help you through the night or day. It is not always just ticking the boxes of what we know, it may be something more or different.

It is also in these obstacles that heightened emotions (it is said that

children magnify and amplify everything within you), unexplained and unpredictable emotions can be expressed by the child and by the parent. Emotions can be misunderstood in your child and in yourself. Emotions can sometimes be mishandled, because of many reasons including generational rules and conditioning, our own internal triggers, what we have been told is bad behavior and that it needs to be punished or shut down, rather than be curious about it.

In learning how to manage these obstacles there is no blanket approach.

Each child and each parent are uniquely individual and experience the world differently. Each child and each parent were born with their own unique roadmap. Most times the child’s road map does not match that of the parent, yet it can be expected to.

Be curious; seek to gain a clear understanding of your child and of yourself. Seek to understand what is going on for them and what is going on for you.

Helping them to navigate and understand themselves, this may mean you need to seek outside or professional help.

Observe or explore with them, if possible, what is going on in their internal world.

Observe and explore what is going on for you in your internal world. Help to understand them and yourself more.

As Einstein once said, “you cannot solve our problems with the same level of thinking that created them”.

Is there something more beyond what we see?

What would love do?

If this has awakened something and you are curious about yourself or your child and you want to take the next steps to understand and empower yourself more, please reach out and contact me. Not everyone can create and maintain change by themselves, if this is you and you want to have a coach get you there quicker and with support, contact Lesley at theparentwhisperer1@gmail.com

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

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Struggling with breastfeeding?

You’re not alone.

LACTATION CONSULTANT

By Dr. Joanna Strybosh

International bodies concerned with the welfare of infants and children such as the World Health Organisation (WHO) and UNICEF agree on the recommendation that mothers should breast feed their babies exclusively to 6 months of age, and then continue to breast feed until 2 years of age or beyond.

In line with the WHO, in Australia, the National Health and Medical Research Council (MHMRC) recommends that infants be exclusively breastfed until around 6 months of age when solid foods are introduced. It is further recommended that breastfeeding be continued until 12 months of age and beyond, for as long as the mother and child desire.

In Australia, up 96% of women initiate exclusive breastfeeding after the birth of their baby. However, by one month of age this rate declines to 61% and by five months of age exclusive breastfeeding rates have dropped to just 15%.

This is despite the overwhelming evidence for the health benefits of breastfeeding to both mother and baby, both short term and long term.

What we know is that the reasons many mums are ceasing breastfeeding are complex and multi-faceted. There are many obstacles to breastfeeding, such as social and cultural attitudes to breastfeeding in public, employer attitudes and support available to women breastfeeding at work, health care providers knowledge and skills to support breastfeeding, short hospital stays, free samples of breastmilk substitutes, and length of maternity leave.

Mums who are struggling with breastfeeding are encouraged to reach out to a qualified local health care provider. This may be their GP or Maternal Child Health Nurse or it could be a Lactation Consultant (IBCLC). An IBCLC (International Board-Certified Lactation Consultant) is a health care professional who specialises in the clinical management of breastfeeding. They are charged with supporting, promoting and protecting breastfeeding. They can

offer practical advice and support on the many aspects of breastfeeding, from correct latch and positioning, how to know if baby is getting enough milk, supply concerns, expressing and storage of breastmilk, managing cracked/ damaged nipples, mastitis and much more.

Contact your local IBCLC today for support with your breastfeeding journey.

Your local IBCLC can be found by searching on lcanz.org.

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

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

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Repurposing Existing Buildings For Work Or Home ARCHITECT

BEFORE

AFTER

By Kathy Ismail

‘Adaptive reuse’ is architecture speak for reusing an existing building for a purpose that is different from the structure’s original function.

If you are thinking of building your own home or moving work premises, why not consider reconverting an existing building. There are several reasons why this could be a viable option for you.

Cost-effective Some industries need large floor areas for manufacture and office and convenience spaces for staff. Existing warehouses and factories are ideal spaces for innovative reuse. Their expansive open plan interiors were designed to house large machinery and have vast storage areas. These vaulted spaces can provide a blank canvas on which your architect can design and deliver a structure custom-built for your business.

Repurposing a building to live in also can result in some attractive cost savings. After an architect, working in conjunction with a builder, has given a clean bill of health regarding the state of the foundations, walls, floors, walls, and roof, he or she can also give you ideas on an attractive, liveable interior design.

Green In 2001, new buildings accounted for about 40 per cent of annual energy and consumption of raw materials, 25 per cent of wood harvesting, 16 per cent of fresh water supplies, 44 per cent of landfill, 45 per cent of carbon dioxide production and up to half of the total greenhouse emissions from industrialised countries.

Twenty years on, it is even more vital that we try to preserve what we can of the environment.

Did you know that that the reuse of building materials usually involves a saving of these energy sources of approximately 95 per cent! Demolition and reconstruction is wasteful so bypassing these alone strongly promotes the environmental benefits of adaptive reuse. Combined with energy savings, repurposing buildings becomes an essential component of sustainable development.

Social value Historic buildings give us a glimpse of our past and lend character to our communities as well as serving practical purposes in the present. When done well, adaptive reuse can restore and maintain the heritage significance of a building and help to ensure its survival.

City councils have a duty to ensure that heritage assets – buildings, precincts, gardens or trees – are protected for future generations. The best way to conserve a heritage asset is to ensure its continued use as places that lose relevance can become vulnerable to neglect, decay or demolition.

One such buildings is the Grand Hotel Melbourne, in Spencer St in the CBD. Originally built to house the Victorian Railway Headquarters, it has been repurposed recently into an apartmenthotel style with long-term residents.

Another remarkable conversion the Banbury Village in Footscray. The site was originally the Olympic Type Company but is now a residential village of 55 apartments. Some of these historical repurposed places are accessible to the public, such as the Abbotsford Convent complex and Montsalvat. Both offer a rich history for you to explore and the events that are held there are part of our

rich performing arts scene.

The City of Maroondah has a mixture of architectural styles, from Edwardian in older parts of Ringwood to contemporary apartment forms which provide interest and contrast in the municipality. A great local example of adaptive use is the Ringwood Fire Station. This is aniconic example of how a building, not needed for its original function, has been preserved for future generations by being converted into a restaurant.

The type and number of old buildings suitable for adaptive reuse include decommissioned churches that can be turned into homes, restaurants or apartments. Many medical practices operate in what was once a family home.

If you are thinking of buying and repurposing a building of any sort, it is wise to bring an architect as soon as possible. They will be able to identify if the project needs a heritage consultant, and advise on the state of the building, get the necessary council permits and permissions and broaden your vision of what is possible regarding the design, inside and out.

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

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

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Never Assume GENERAL INSURANCE

By Craig Anderson

You may believe that it is possible to insure absolutely anything and everything, however let me tell you this is not the case. The insurance market has well and truly entered a phase referred to as a Hardened Market. This means that insurers are being more selective with risks they will consider, and may decline to quote occupations or premises they have previously insured.

The decision to decline to renew a policy often has nothing to do with the insureds loss record, and more to do with the profitability of the market segment.

Sometimes the Syndicate providing finance to the Underwriters have adjusted their “Risk Appetite” to avoid possible future losses after they have reviewed a risk, and decided the risk exposure is higher than originally thought. In other words, insurance has become harder to get and more expensive in many cases.

In addition to price and availability issues, policies may be written in such a way that some losses, which you may assume are covered, are in fact either excluded, or by definition not included.

One insurer offers a Motor Trades policy where there is a total exclusion on theft of a car stolen from a workshop using a key, regardless of whether the key was locked in a Key Cabinet, or with the car.

Another insurer does offer an optional

policy extension, which will cover theft of a car with the key in it, or taken from a locked cabinet. As it is impossible to diagnose many faults without having the car running (with the key in it), there is an elevated risk of theft in the mind of the insurers. So one insurer seeks to eliminate their exposure by excluding it, and the other seeks to cover it for an additional cost as their risk calculations indicate the money they will make, outweighs the money they will lose. Both insurers totally exclude motor racing related activities, which causes the insured to turn away a potential revenue stream unless they take out an additional policy or a different one altogether, which can cover both. Never assume all of the features you need in your policy are in all of the policies in any given category, because you will be wrong.

Insurers with product offerings in Australia are obliged to review their policy wording to remove as many ambiguities and unfair conditions as possible, which is a good thing, but gaps in cover can remain. If you DIY your business insurance and get it wrong, it could be the single most costly mistake you ever make. Let a Broker help you find the cover you need and take the guesswork out of the equation.

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

General Advice Warning. 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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5 Benefits of Self-Publishing ACCREDITED EDITOR

By Susan Pierotti

There are four publishing options available in Australia. What are considered traditional publishers (Penguin, Faber & Faber and Harper Collins) have been struggling since the digital age arrived. Traditional publishers have not survived very well and in fact, despite their names, they are all owned by only two English-language publishing companies – in the world!

Another publishing model is to submit your manuscript to an independent press. Melbourne has the largest number of independent publishers in Australia but they are specific about what content they publish and there’s no guarantee that they will accept your book for publication. Hybrid publishers will charge you a fee and publish anything you give them but their range of choices is limited.

The fourth option, self-publishing, gives you freedom of choice, and publishing your own book is now easier than ever. It costs time and money, however, so you may be hesitant to try it. Here are five benefits that may persuade you to selfpublish.

Front cover The front cover of a book is like a window into its soul. If you go to a bookstore and browse, you will find your eye attracted to some covers and not others. We are told not to judge a book by its cover; we need the warning because that’s precisely what we do!

Control of writing time If you have published with a traditional publisher before, you will know about deadlines. Even if you turn your book over to a hybrid publisher, there is still a schedule to consider.

Traditional publishers will choose the cover for you. Custom publishers will give you a choice of perhaps four. If you selfpublish, you can hire a book cover artist and work in detail with him or her to get exactly what you want.

Publishers expect you to turn up to your launch, book signing events and writers’ festivals. If you self-publish, you are going to have to do that anyway. But you can control your marketing through social media, public presentations and other channels without waiting for the permission of a traditional publisher.

However, if you choose to self-publish, the only person you inconvenience is yourself. You set your own deadlines, you decide when you want to finish the book, you choose the book print and launch date.

Publishing date Publishers have tight schedule around when books are published. Believe it or not, yours is not the only book they are publishing.

If you would like over the processes of getting your book into print, contact Creative Text Solutions to receive advice on the benefits of self-publishing your book.

Text One author I met was thrilled to have his first novel accepted by a traditional publisher. They assigned him one of their in-house editors who worked with him for on the text, tidying it up, making the writing more taut, the characters more defined. Guess how long it took them?

Five years!

Do you have that long before you see your book in print? I expect not. All you would need to do before self-publishing is to employ a professional editor who would take perhaps merely one month to give your book a thorough overhaul.

Apart from the royalties, guess what? If your book doesn’t sell well in the first three months, they take it off the bookshelves and sell it to a discount distributor who will sell it at dirt-cheap prices to get rid of it.

The publisher has to schedule printing, marketing to bookshops and libraries, a book launch and publicity for your book, so any delay in receiving the final product will seriously mess up their timetable. Worse yet, they may not consider publishing you again.

However, when you self-publish, you have complete control over when you publish, launch and market your book.

Susan Pierotti

Marketing Many authors think that with traditional publishing, they will receive royalties, they will be famous and their books will sell better.

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

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Study Finds How to Mend a Broken Heart

By Maureen Dettre

(Australian Associated Press)

Australian researchers say they’ve figured out a conundrum that’s been a mystery since the dawn of time – how to mend a broken heart.

The landmark study by Monash University has for the first time uncovered a way to prevent and reverse damage caused by broken-heart syndrome, also known as Takotsubo cardiomyopathy.

The syndrome causes a weakening of the left ventricle, the heart’s main pumping chamber and is brought on by stressful emotional triggers often following traumatic events – such as the death of a loved one or a family separation.

The condition mimics a heart attack with chest pain, shortness of breath and irregular heartbeat.

There’s no standard treatment for broken-heart and while death is rare, heart failure occurs in about 20 per cent of patients, with limited therapeutic options.

Using mouse models, the pre-clinical study showed the cardioprotective benefit of a drug called Suberanilohydroxamic acid, or SAHA, dramatically improved cardiac health and reversed the brokenheart.

Researchers used SAHA to target genes and is a world first for Takotsubo cardiomyopathy.

SAHA which is already approved by the US Food and Drug Administration and the Australian Therapeutic Goods Administration because it’s used to treat cancer.

It works by providing a protective benefit to genes.

Monash Professor Sam El-Osta said the study showed the drug not only slowed cardiac injury, but also reversed the damage caused to the stressed heart.

In western countries Takotsubo occurs almost exclusively in women, especially after menopause, with new research suggesting that up to eight per cent of women suspected of having a heart attack may have this disorder.

The precise cause isn’t known but experts think that surging stress hormones essentially flood the heart, triggering changes in heart muscle cells or coronary blood vessels (or both) that prevent the left ventricle from contracting effectively.

This causes the heavy-achy-feeling you get in the chest which can be mistaken as a heart attack.

Most patients recover fully within two months but the bad news is that along the way some patients suffer from significant heart failure and other complications.

“This pre-clinical study describes a new standard in preventative and therapeutic potential using a cardioprotective drug that targets genes in the heart,” Professor El-Osta said.

The team is committed to the research of women’s health recognising the uneven sex prevalence of almost 9:1 (female to male).

The paper is published in the journal Signal Transduction and Targeted Therapy.

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Garage door golden nuggets for commercial businesses GARAGE DOORS

By Chantal Djuric

COVID-19 changed the world of business, not only financially but how things operate. Most business owners at this time are putting their efforts into making sure their business remains viable. Marketing, supply and delivery and customer satisfaction are all major components of a successful enterprise but focusing solely on these can cause neglect in areas that don’t seem so important.

However, productive time management will ensure that the small stuff is dealt with as well as larger concerns.

If you are a business owner who owns or leases commercial premises, why not use this time to check on the maintenance of the building? This is a good time to get that window repaired, that dripping tap fixed, the inside repainted.

And don’t forget the main safeguard to your commercial property – your garage door.

Frequent servicing – a good habit Garage doors are mechanically operated; therefore, like cars and other machinery, they needed regular servicing. Regular can mean once a year. However, like cars, other vehicles, photocopy machines and so on, garage doors benefit from more frequent servicing attention.

Did you know that it is actually more cost-effective to get your garage door serviced every three months? Even though your commercial or industrial

premises may be vacant, your garage door will still be collecting dust and could be affected by the change in the weather.

are responsible for doing repairs and maintenance, the Act will always override this – it is actually up to the landlord to maintain his or her premises.

Now that business may be back to normal, orders are flooding in, deliveries are flying out the door and your garage door is experiencing a real workout. If you didn’t maintained your door during COVID19 lockdown, it could let you down just when you need it to work all the time, every time.

Your landlord is required to maintain certain parts of the property in the same condition as when the lease or rental agreement was entered into. Is your garage door one of these ‘certain parts’? Is it part of the outside or inside fixtures? Check the original lease or rental agreement to see if your garage door is specifically covered.

Booking a garage door service is easier than ever. There will no inconvenience to employees working onsite or to the day-to-day operations of your business if you book a garage door service for your business premises, and unlike other tradies, you may find that garage door technicians are as available than usual.

A garage door service every three months may sound like overkill but it is the best way to maintain the life of the garage door of your commercial or industrial facility. Now is the time to get into the habit of booking a three-month service so your business premises will be ready to operate efficiently when life returns to the new normal.

Check your lease agreement If you lease or rent your business workplace, one other thing that you should do is to check your lease agreement.

Under section 52 of the Retail Leases Act 2003 (https://www.legislation.vic. gov.au/), repairs and maintenance are the responsibility of the landlord. If your lease states that you as the leaseholder

Of course, as a tenant, you are responsible for any misuse, so frequent servicing and checking your premises will reduce the likelihood of preventable damage to the garage door of your commercial or industrial business space.

It’s also a good idea to take photos and check the state of the garage door before you move into new commercial or industrial spaces. These will be a safeguard when you wish to move out or if there is any dispute.

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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It's That 'Audit Your Business Signages' Time of Year

Before

SIGNAGES

By Glenn Martin

We see signage every single day - it's an essential part of life and let’s face it, you can’t afford for your business to go unnoticed. There is a lot more to designing both indoor and outdoor signage that meets the eye. Most people do not realise that there are many questions and factors that should be taken into consideration before and during the design process to ensure their signage has the most impact.

Give your current signage a review and ask yourself these 4 questions.

“Does my signage weathered or dull?”

look

It’s all well and good to be accessible to customers who already know where you are, but are you making the most of the ‘traffic’ that passes you by each and every day? You can bring attention to your business with directional signage, customised flags and A-Frames, illuminated and digital signs or even strategically placed branded vehicles or trailers in the street. Make sure your storefront signage is not only appealing – but also clearly communicates what your business does for those who might not already know you.

“If I walked into this building for the first time, could I navigate effectively?”

Take a moment to assess your space as if entering your business for the very first time. By approaching the space as if it’s brand new you’ll be able to get a feel for what your customers see. How is your wayfinding signage? Could a customer easily navigate to the items they need?

Can they see where they need to go to pay, from all common vantage points?

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After Ready For An Consultation?

Expert

Signage

At Signarama Mitcham we have a host of business signage options to suit every budget. From building signage to illuminated indoor and outdoor signs, wall and vehicle graphics, A-Frames and flags, to floor and window signage, we have everything you need to get your business the attention it deserves.

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 ensure you get current promotions by following us on Instagram @Signarama_Mitcham.

dated,

Often, after business owners put up signs, they immediately become part of the ‘background noise’ of their space, so they don’t notice when things start to look dated. This is particularly true of outdoor signage exposed to the elements. Run a critical eye over your current business signage. How does everything look?

Could your signage do with an update?

Does your business stand out from those around you?

“Does this signage reflect personality of my brand?”

the

If you commissioned signage for your business when you first started out, it’s likely your budget was smaller, or that you didn’t yet have a clear vision of your brand. Upon inspection, you might find that your brand’s style has changed, or that you can more accurately communicate to your intended audience now that you know a little bit more about your business.

“Is my business visible from the street?”

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Drips, Plungers, Pods, Machine Service: Different Ways To Make Coffee COMMERCIAL COFFEE MACHINE

By Ivana Smith

Melbournians are famous for their coffee culture. We are fussy about when we drink it, how often and what type. The variety of ways to make a coffee brewing are endless – macchiato, long black, short flat white, cappuccino…

Gone are the days when to make a coffee at home, you put a teaspoon or two into the cup and added hot water.

Even though instant coffee has lost its popularity, people still want to make a coffee easily and quickly, especially for some folk if it’s the first drink of the day.

There are several devices available for domestic or office use that can deliver that perfect aroma and flavour.

Drip Coffee connoisseurs swear by drip coffee, also called slow brewing or filter coffee.

It is an affordable method that takes a bit of time and practice, but the results are amazingly delicious when followed correctly.

First of all, rinse a filter with some boiling water to remove the filter’s flavour and put on top of the jug the coffee will stand in. Measure fresh water, bring it to the boil and let it rest for about 30 seconds.

Measure about 2 tablespoons of coffee per cup and add to the filter. You will get the best results with pre-ground coffee that has the consistency of sand or table sugar. Either use a coffee that is suitable for drip coffee machines or grind your own fresh coffee beans.

Now, pour a bit of the boiled water over the ground coffee, using a circular motion to completely immerse the coffee in the water. Leave the wet ground coffee mixture for about 30 seconds while the coffee absorbs the water and releases flavour. This process is called ‘letting the coffee bloom’. Slowly pour the rest of the water over the filter, again using a circular motion and starting about half an inch from the edge. When the coffee is immersed, pour straight down. For 3 to 4 minutes, let the water drip through the coffee and filter. Remove the filter and enjoy the aroma as you pour the coffee into your cup.

Plungers Another cost-efficient way to brew coffee is with a plunger. It has a built-in filter and is ideal for when you brew one or two cups. Use a medium ground coffee in a plunger because finely ground coffee will pass through the filter, resulting in muddy, gritty coffee.

Pull out the lid with the filter attached and put to one side. Put a heaped tablespoon per cup of ground coffee into the plunger jug. Add water, which has been off the boil for about 30 seconds, over the ground coffee and stir gently. Insert the filter lid just above the water level. After about four minutes, carefully press the filter down. Leve the filter down as you pour a rich, aromatic brew into your cup.

Remember to wash and dry the plunger thoroughly every time you use it to prevent coffee grounds from clogging the filter.

Pods Pod machines have become very popular devises for ease of use and for the quality of the coffee you can make.

There are so many different flavours to choose from and the capsules are compact to store. Some brands even supply pods that are recyclable, making this an even more attractive option.

The pods you buy will need to be compatible with your machine and for the best results, always use fresh water.

After you have switched on your machine and waited for it to warm up, rinse the machine by putting a cup at the bottom and pressing the water button; do this at the end as well. Insert the capsule of your choice, close the slide and select the size and type of coffee you want.

Machine service Where many people meet in one place, there is another option that could be more viable than any of the above.

Many businesses have had a coffee machine installed in their office, car dealership, sports club or age care facility, for example. A coffee machine that is serviced and supplied weekly with quality coffee, hot chocolate, milk and sugar has proved to be a saving in time (not cleaning or filling the machine) and money.

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

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

findmanningham.com.au

MAY 2021 | FIND MANNINGHAM

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Personal Insurance Claims – You will need to be licensed to provide this service.

FINANCIAL PLANNING

By Warren Strybosch

New laws are being introduced which will require anyone providing Personal Insurance Claims Handling services to be licensed.

For licenced advisors and authorised representatives, whose who do more than simply provide ‘general advice’, will be exempt from having to obtain the additional license given they already are licensed to provide advice. The Government have released a regulation that will provide an exemption for financial advisers from the need to vary their AFSL in order to provide claims handling. This regulation provides an exemption for individually licensed advisers and authorised representatives.

It appears to meet the needs of the small business financial adviser population.

Whilst the regulation does not specifically refer to staff members of financial advice practices playing a role in claims handling, we were pleased to see that this was specifically referred to in the explanatory statement.

Now, it is important to understand, that not all advisors and authorised representatives are licensed to provide personal advice.

As such, not all advisors listed on the ASIC Professional Register will be able to provide claims handling advice. It is always wise to check the ASIC Professional Registry

(https://connectonline.asic.gov. au/RegistrySearch/faces/landing/ ProfessionalRegisters.jspx?_adf.ctrlstate=kvcjih6zf_4) to firstly find out if they are a registered advisor or authorised representative.

Next, follow the link ASIC provides to the MoneySmart website to see what areas the advisor/authorised rep can provide advice in. In short, if anyone is selling products to you and/or providing advice and they don’t have the specific ‘areas’ listed to provide such advice, then report them directly to ASIC. We see a lot of ‘general advice’ practitioners still selling personal insurances for which they are not licensed to do so.

Please click here to see the regulation and click here to see the explanatory statement.

This information is current as at September 2018. This article is intended to provide general information only and has been prepared without taking into account any particular person’s objectives, financial situation or needs (‘circumstances’).

Before acting on such information, you should consider its appropriateness, taking into account your circumstances and obtain your own independent financial, legal or tax advice. You should read the relevant Product Disclosure Statement (PDS) before making any decision about a product. While all care has been taken to ensure the information is accurate and reliable, to the maximum extent the law permits, Clearview and its related bodies corporate, or each of their directors, officers, employees, contractors or agents, will not assume liability to any person for any error or omission in this material however caused, nor be responsible for any loss or damage suffered, sustained or incurred by any person who either does, or omits to do, anything in reliance on the information contained herein.

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

to see the explanatory statement.

In short, if someone offers to help you with your personal insurance claim, make sure they are licensed to do so, otherwise they may fall short of the law. We are not sure what this means for lawyers who do a lot of work in this area. It might mean that lawyers will not be able to provide a service in this area.

MAY 2021 | FIND MANNINGHAM

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FIND MANNINGHAM | MAY 2021

findmannigham.com.au

How Living In A Busy Cluttered Environment Is Bad For Your Brain

Redeveloped brickworks site in Knoxfield

A part of Maroondah with a native reserve

NATURE & CONSERVATION

By Liz Sanzaro

How can we leave a healthy living environment for the next generation?

We have Government that, by design, is wanting to grow Australia’s population, whilst stopping the urban sprawl. They believe this is best done by using existing infrastructure, like roads, services, gas, water, electricity, hospitals, schools, public parks and eventually causing us all to live on a smaller footprint and all squish up a bit. Quite clearly there is demand for unit style housing, as many are sold off the plan, and none remain empty after completion. The price of housing too has recently been driven up by demand outstripping stock, so we clearly have a problem.

The outer east has long been regarded as clean green and not overly densely populated. We have desired a lifestyle that reveres trees, gardens, wildlife, birdlife and often views across the hills of the mixture of local and exotic species of trees, which makes Autumn a spectacular time of year to enjoy the rainbow of colour in our mature trees, the sunny days, and cool evenings. We need to preserve these components in our living environment, not just purely for aesthetic reasons, but also because it enhances our lives and nurtures our wellbeing.

Children grow up with a healthy respect for the environment, when shown by example how to appreciate pollinating insects, bugs, frogs, birds, possums and other native species. As children learn about other life forms, they develop a sincere appreciation for the connectivity of all life forms on Earth, and are therefore more likely to help prevent species extinction, something of significant importance to all of us. Schools are doing a great job in encompassing Sustainability into curriculum.

There is also research being done that show that city life hurts our brain. The

a visually clutered city with signs, signals sounds and movement all distract our brains, from feeling calm.

reason such seemingly trivial mental tasks like walking around in a busy urban city leaves us depleted is that it exploits one of the crucial weak spots of the brain. An urban environment is so overstuffed with stimuli that we need to constantly redirect our attention so that we aren’t distracted by irrelevant things, like a flashing neon sign or the mobile phone conversation of a nearby passenger on the bus. This sort of controlled perception we are telling the mind what to pay attention to — takes energy and effort. The mind is like a powerful supercomputer, but the act of paying attention consumes much of its processing power.

Natural settings, in contrast, don’t require the same amount of cognitive effort. This idea is known as attention restoration theory, it was first developed by Stephen Kaplan, a psychologist at the University of Michigan. While it’s long been known that human attention is a scarce resource — focusing in the morning makes it harder to focus in the afternoon — Kaplan hypothesized that immersion in nature might have a restorative effect.

The research found evidence to support this theory, in that Hospital patients improve more quickly when they have a view of a natural setting. Public housing residents do better all round when they have access to grassy courtyards, with trees and a place to sit. Most of us know how refreshed we feel after a walk in Sherbrooke forest for example.

So, what can we do to maintain what is most precious to us, as we struggle to accept higher density- living? If a development is planned next door to you, get involved. Go to Council, sight

A walking train in the Dandenong ranges

the plans, make sure there is room for sufficient mature trees on the site. Ensure that the site coverage is not all paving, or that the development doesn’t have a huge footprint preventing any garden on the site. If there are to be four units 2 by 2, recommend a central courtyard to incorporate a sizable tree or two. Accept the fact that two storey or more, housing should have a smaller footprint, and allow for greater garden space – NOT more units, which remove our trees and greenery.

Units, by design remove trees/nature

New style “green” high rise housing

Finally, don’t sit back and accept that our precious and special environment will be destroyed, because with smart planning and efforts by Council to achieve this, we can do both. The Council is actually quite keen to retain our clean green image, as it is the one most commonly articulated feature mentioned in any resident survey, and they like us, are determined to keep it that way. Finally, if you are fit, healthy and keen to get out, consider joining a friends-group – for your local piece of native vegetation. You can find out more; just Google Maroondah Council and friends- groups. https://www.maroondah.vic.gov.au/ Development/Environmental-Sustainability/ Sustainability-engagement-and-partnerships/ Natural-environment-community-groups

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MAY 2021 | FIND MANNINGHAM

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US Pressure to Stop Fossil fuel Subsidies

By Daniel McCulloch and Rebecca Gredley (Australian Associated Press)

Scott Morrison faces increased pressure to stop subsidising the fossil fuel industry as he promises $540 million to reduce emissions ahead of a climate summit.

The virtual summit to be held later this week is organised by US President Joe Biden and convenes the world’s biggest polluters in a bid to ramp up global efforts on climate change.

The prime minister has announced $263 million for carbon capture and storage, and another $275.5 million to set up regional hydrogen hubs.

Mr Morrison expects the projects to create more than 2500 jobs and reduce emissions. He insists the twin technologies will be crucial if Australia plans to achieve net zero emissions by 2050.

“We want to make clean energy more affordable and reliable while looking for ways our investments can get more people into work,” he said on Wednesday.

“We cannot pretend the world is not changing. If we do, we run the risk of stranding jobs in this country, especially in regional areas.”

The strategy forms part of the government’s plan to cut carbon emissions and comes ahead of a global Leaders Climate Summit, hosted by Mr Biden on Thursday to coincide with Earth Day.

US energy policy expert Alden Meyer says that includes Australia.

Australia’s peak oil and gas industry body said the investment in new hydrogen and carbon capture and storage projects would be a massive boost for the sector.

“We are in a big hole with climate change and yet we are paying people to produce and burn more of the things we say we don’t want. It makes no sense at all.”

But the left-leaning Australia Institute said the announcement was disappointing, arguing the government was using the guise of climate action to support fossil fuel companies.

Energy Minister Angus Taylor says carbon capture and storage – where emissions are stored deep underground – will allow industries to continue on while reducing emissions.

He has no plans to phase out coal.

“Coal will play a big role in our energy mix for many years to come, it’s an important source of our energy right now and will continue to be,” he told 2GB radio. The US is moving to phase out subsidies for fossil fuels and is using its power to urge other countries to do the same.

“The old saying goes when you’re in a hole the first thing is to stop digging,” he told an online forum.

Mr Meyer says the US has taken a wholeof-government approach to climate change, which Mr Biden described as an existential threat in his campaign.

“Australia is going to be hearing about it in every meeting,” Mr Meyer said.

“This is going to be unrelenting pressure on every front where Australia has to deal with the United States.”

Mr Biden is expected to pledge to halve the country’s carbon emissions by 2030 from 2005 levels.

The United Kingdom will also announce ambitious carbon reduction targets that include shipping and aviation emissions.

MAY 2021 | FIND MANNINGHAM

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FIND MANNINGHAM | MAY 2021

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View Program

‘Your Library’ has missed you!

The Reconnect Festival is about bringing our community back together.

Through engaging talks, practical workshops, and exciting new initiatives, we will explore the themes of community, literacy, time & space, and sustainability, to reconnect you with your library, with your Council, and with each other.

Brian Nankervis Festival Launch

Festival ambassador Brian Nankervis will join Maroondah Councillors to announce the festival program and speak on the value of community connection. Refreshments will be provided.

Tues 27 April, 6:30pm, Realm.

Craig Reucassel Sustainability and You

What can you do to reduce your environmental impact? What role can one person play in saving the planet?

Craig, famous for his work with ‘The Chaser’ and for going through your bins on ‘The War on Waste’, will show you the way.

Thur 27 May, 7pm, online.

Sandra Pankhurst

Subject of The Trauma Cleaner The subject of Sarah Krasnostein’s hit 2017 biography ‘The Trauma Cleaner: One Woman’s Extraordinary Life in Death, Decay & Disaster’, Sandra will tell her extraordinary story, and share how connecting to others is the highest calling of all.

Wed 12 May, 6:30pm, Lilydale Library.

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MAY 2021 | FIND MANNINGHAM

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Book Now

Festival within a festival

The Writing the Rainbow Festival — celebrating LGBTIQA+ writers and readers — is back in 2021. This year’s festival-within-afestival features an exciting line-up of presenters!

Artistic impressions Local artists at Your Library

Enjoy viewing the work of local artists at Your Library throughout the month of May. My Gender Equal Future Poster Competition Ferntree Gully Library, 5-31 May The Art of Noel Maxwell Bayswater Library, 1-31 May The Art of Margaret McLoughlin Healesville Library, 1-31 May Photographic History of Boronia Boronia Library, 7-21 May Photo Voice Group Photography Yarra Junction Library, 17-21 May

Brian Nankervis presents An evening of fine poetry

Reconnect Festival 2021 ambassador Brian Nankervis visits Croydon Library to offer an evening of fine poetry.

Brian’s engaging alter-ego, tortured street poet Raymond J Bartholomeuz, returns to the stage at this special event.

Tue 11 May, 6:30pm, Croydon Library.

MAY 2021 | FIND MANNINGHAM

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2021 TA Temporary Full Expensing of Depreciating Assets The majority of businesses are eligible to claim an outright deduction for the cost and installation of new assets. To qualify for full expensing, the asset must be first held and first used, or installed ready for use, between 7:30pm AEDT 6 October 2020 and 30 June 2022. Unlike prior rules on instant asset write-offs, no limit applies to the cost of an asset under the full expensing rules. That is, an asset of any value may be fully deducted in the appropriate income year. For a business to qualify for the outright deduction, the entity must have an aggregated turnover of less than $5 billion. Certain large entities will have separate

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

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

Royal Assent (14-Oct-2020)

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

Date of effect (6-Oct-2020)

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

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

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

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

Royal Assent (14-Oct-2020)

balancers under a substituted accounting period.

Date of effect (1-Jul-2021)

New Guidance for Allocation of Professional Firm’s Profits New guidance has been released to assist a professional firm determine whether the allocation of their profits is appropriate with respect to alienation of income. In this draft guidance, the ATO has stated that compliance resources will not be allocated to firms that: * pass through 2 ‘gateways’​relating to genuine partnership arrangements, and *are low risk in terms of a specified risk assessment framework.

Arrangements outside the low risk rating will generally be considered to be at risk of giving rise to an inappropriate tax outcome. Professional firms will be required to self-assess their risk profile, with

Announcement (2-Mar-2021) Consultation (26-Mar-2020) Released

an understanding that any compliance review will start with contemporaneous documentation that substantiates the partnership agreement.

Contractors Reminded by ATO to Declare All Income Small businesses in taxable payments reporting system industries have been reminded by the ATO of their data matching processes in place. The ATO media release singles out businesses in the following industries: •

building and construction

•

courier services

•

cleaning​ services

•

road freight transport

•

information technology, computer design and related services, and

•

security and surveillance providers and investigation services.

The data matching is not only confined to reporting of income for income tax purposes. The ATO has explained they are also identifying discrepancies related to GST and invalid ABNs.

Announcement (30-Mar-2021) Consultation (6-Apr-2021)

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

Under the new law, all directors of companies registered under the Corporations Act will need to have a unique identifier. The DIN will be a measure that will limit the opportunities for a company and its directors to engage in phoenixing activities. One such new measure will require all directors to confirm

Announcement (3-Dec-2019) Consultation (3-Dec-2019) Introduced (4-Dec-2019)

their identity before receiving a DIN, as well as civil and criminal penalties for system misuse. A register

Passed (12-Jun-2020)

is currently being developed by the Treasury and the Commonwealth Registrar. It is expected that the

Royal Assent (22-Jun-2020)

ability for directors to register will commence shortly. A draft instrument has also been published, which

Date of effect (22-Jun-2020)

would allow a transitional period to 30 November 2022 for existing directors to register.

SMSF Penalties For Underreported Expenses Legislated Non-arm's length income (NALI) rules are bring strengthened. In particular, the NALI provisions are bring re-written to include situations where expenses of the fund are reduced in order to obtain a non-

Announcement (28-Jul-2019)

commercial benefit. This new law will strengthen rules which were previously only part of guidance

Consultation (24-May-2018)

released by the ATO for SMSFs. Specifically, an income tax liability will be enforced as opposed to

Introduced (24-Jul-2019)

previous interpretations of tax and super regulations in relation to super fund borrowings. Draft ATO guidance has provided further situations where an SMSF may have underreported non-arm's length expenditure, including where it may apply to all income.

Passed (19-Sep-2020) Royal Assent (2-Oct-2019) Date of effect (30-Jun-2019)

FBT Exemption For Retraining And Reskilling Proposed An exemption from fringe benefits tax has been proposed for when an employer provides an employee with retraining or reskilling opportunities at or prior to redundancy. This 2020 federal budget announcement will take effect from 2 October 2020, subject to the passing of drafted legislation. The government has also released a consultation paper with respect to possible changes to the self-

Announcement (6-Oct-2020) Consultation (29-Apr-2021) Introduced Passed

education deduction section for individual taxpayers. These measures may provide a tax incentive for

Royal Assent

employees to change careers, in particular if they are about to be made redundant.

Date of effect

Granny Flat Arrangements Set For Cgt Exemption A "targeted" capital gains tax exemption relating to granny flat arrangements has been proposed in an exposure draft following a 2020 federal budget announcement. The intention of the new legislation is to

Announcement (6-Oct-2020)

remove financial impediments when a granny flat arrangement is legally created. A formal arrangement

Consultation (29-Apr-2021)

would generally trigger CGT event D1, which often leads to informal arrangements. As family is usually

Introduced

involved, often it is these informal arrangements which can inevitably lead to financial and elder abuse. The exposure draft is yet to be tabled into parliament and would require swift approvals prior to 30 June 2021.

The proposed CGT exemption will have effect from 1 July in the following income year after Royal Assent.

Passed Royal Assent Date of effect

See More

MAY 2021 | FIND MANNINGHAM

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MAY 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: MAY 2021 | FIND MANNINGHAM

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MAY 2021

REAL ESTATE AGENT

www.findmanningham.com.au

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.

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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MAY 2021 | FIND MANNINGHAM

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Manningham Art and Our City: Have Your Say on Draft Art Collection and Public Art policies Residents across Manningham can now help set the artistic direction of our community for the next four years, after Council endorsed the public exhibition of the Draft Manningham Art Collection Policy 2021-24 and Draft Public Art Policy 2021-24 in its last Council Meeting.

Manningham Mayor, Cr Andrew Conlon said Manningham has a strong and longstanding relationship with the contemporary arts.

“We are committed to supporting a connected and inclusive community through arts and cultural programs that encourage participation and development,” he said.

“The two draft policies are part of this commitment to collecting and investing in temporary and permanent public art as a celebration of our cultural heritage over the next four years.

“I encourage everyone to take the opportunity find out more, take a look at the draft policies and have their say on public art in Manningham over the next four years,” Cr Conlon said.

four years,” Cr Conlon said.

The Draft Manningham Art Collection Policy focuses on the shift to permanent public art, with visual art acquisitions either through Cultural Gifts donations or unique acquisitions with a strong connection to Manningham’s cultural legacy.

“I encourage everyone to take the opportunity find out more, take a look at

Both draft policies are now available and open for community feedback online at yoursay.manningham.vic.gov. au/art-policies-exhibition

the draft policies and have their say on public art in Manningham over the next

Consultation will close at 5.00pm, Sunday 23 May.

Little Library Sparks Learning Joy for some time and Manningham’s Placemaking funding was the perfect way to make this a reality.

Shelley said the children’s reaction to the community corner was sheer delight.

“The children love it. As soon as they saw it they rushed to sit on the bench and explore all the books in the little library.”

Parents, grandparents and passers’ by are also enjoying the literary space.

“Some of the parents have even taken ownership of the bench seat, saying it should be named after them! We will set up a book exchange so everyone in the community can come and enjoy the little library space.

The Templestowe World of Learning is inspiring literary joy with a new Community Corner complete with a little library and wooden bench.

intention of the little library and wooden l bench is to inspire minds and encourage earning.

Designed and created by Kai Menzies, a Box Hill TAFE furniture design student the

Shelley Jacobson, Templestowe World of Learning Centre Manager said they wanted to deliver a community project

“We also like the fact the chair and library were built by a local student who has used his skills to benefit the whole community.

“What he has created for us is absolutely beautiful and the children just love it.”

The project was funded under Manningham’s Placemaking Expression of Interest (EOI) program.

Council News May 2021

Acknowledging the Vital Work of Our Local State Emergency Services Manningham Council has welcomed increased funding from the Victorian Government to support the vital work of local State Emergency Services (SES).

Acknowledging changes to the funding arrangements by the Victorian Government, Council will continue to provide operational support where required, maintain the current accommodation support arrangements and review the contribution Council provides.

“Manningham provides accommodation and in-kind operational support to the local unit which attended hundreds of calls for help from the community last year,” Manningham Mayor, Cr Andrew Conlon, said.

partner with the VicSES to support planning and implementation activities to facilitate community resilience and emergency awareness throughout the Manningham community.”

“I want to acknowledge the VicSES and their dedicated volunteers for their continued commitment to the Manningham community.

The valuable contribution to the community of the local SES will be acknowledged at.

Manningham’s annual emergency services reception being held tonight, Wednesday 5 May.

“Council will continue to work and

Village Vibe comes to Wonga Park

tables would be installed and reflected this in the wooden materials they used.

“The users of the Community Cottage really appreciate the initiative. What was a single use loading zone has now become a usable space. We’re now in the process of contracting a coffee van to visit the site.

Wonga Park Community Cottage collaborated with the local tennis club and adjoining Burch Memorial Kindergarten to determine how the outdoor seating area would meet their needs.

Wonga Park Community Cottage has transformed into a welcoming village space with a new community outdoor dining area to sit, connect and enjoy a cuppa.

Louise Schweiger, Manager of the Wonga Park Community Cottage identified the need for a local place where people could connect and share a coffee together.

“With the closure of the local village shopping centre at Wonga Park, places to grab a coffee and have a chat were few and far between.

“We heard about the Manningham Placemaking funding and thought it would be great to create a Covid-safe space outdoors, where people could feel welcome to meet and connect with each other.”

Designed to improve community partnerships, the outdoor seating area and planter boxes were installed to create a friendly, happy space.

“Council’s design team consulted with us and came up with a wonderful plan.

They were mindful of the rustic bush surroundings where the seating and

“The way it evolved was perfect. It already meets the needs of people attending the Community Cottage and will be a welcoming space for everyone in the community. We plan to use it for pop-up events for EACH Youth Services.

“Importantly this new outdoor community space can be used by people from the nearby tennis club, kindergarten, walking groups and wider community. It really fills the gap by connecting people and creating a little village space until the new shopping centre development comes online.”

The project was funded under Manningham’s Placemaking program Media enquiries contact Anne Forbes 9840 9707 media@manningham.vic.gov.au MAY 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

38

FIND MANNINGHAM | MAY 2021

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Shin-Dig dedicated to growing the TreeProject community and environmental impact. A night of fun, connection, generosity and awareness.

TreeProject's mission is to revegetate Victoria and connect country and urban communities together. We can only do this with a bank of incredible people working with us. Will you be one?

The purpose of the night is to bring people together who care about the things we do; the environment and people. So put on dancing shoes, purchase a ticket and we'll see you there!

Live music | Silent Auction | Drinks & Canapes | Environment | Community

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MAY 2021 | FIND MANNINGHAM

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Do you have an upcoming events e.g. fair, sausage sizzle, production? Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findmanningham.com.au/nfp-freeadvertising or you can email the ad to the editor@findmanningham.com.au and we will do the rest for you.

MAY 2021 | FIND MANNINGHAM

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Bulleen P L A Z A

MONDAY 3ED MAY best cafe in bulleen A massive congratulations to Cucina Al Dente!!! These guys were awarded a recommendation Badge for ‘Best Cafe in Bulleen’ by Restaurant Guru 2021 according to visitor reviews! Pop in for a taste of excellence .

MONDAY 3ED MAY power ball $20million This Thursday there is a massive $20 million up for grabs!! don’t miss out come into Bulleen News & Lotto to buy a ticket today!!

Bulleen P L A Z A

Bakers Delight In 1980, Roger and Lesley Gillespie opened the first Bakers Delight in Hawthorn, Victoria, with their friend Gary Stephenson. They chose the name because they believed that every loaf, every roll, every pizza should be a delight to bake and eat, and the service you receive should be delightful. Now, Bakers Delight can be found in more than 700 locations across Australia, Canada, USA and New Zealand. That’s a lot of bread being baked fresh and delivered to a lot of happy customers. Bakers Delight Bulleen are passionate about their customers and baking fresh and delicious bread.

Wise & Wonderful Seniors Club At Bulleen Plaza Shopping Centre, shoppers are invited to participate in our ‘Wise & Wonderful’ Senior’s Discount Club.

If you are 60+ then you are eligible for a Wise & Wonderful Discount at all of our participating stores.

It’s easy and FREE to join, FREE shopping bag on offer, and access to some fantastic discounts throughout Bulleen Plaza Shopping Centre.

Come visit the Centre Management Office (located at the bottom of the ramp), and ask for more information.

Browse our participating stores and discounts

MAY 2021 | FIND MANNINGHAM

41

RETIREMENT

LIFESTYLE

ACCOMMODATION

RETIREMENT ADVICE

RETIREMENT

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

WHO WE ARE

WHERE WE WORK

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

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

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

Bendigo | Geelong | Melbourne

info@retirement.com.au

Mon - Fri: 9am - 5:30pm

www.findretirement.com.au

1300 88 38 30

Sat: 10am -1pm

Sun: CLOSED

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

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MAY 2021 | FIND MANNINGHAM

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How much will you need?

RETIREMENT

By Bernard Kelly

Actually, you won’t need too much at all in retirement – if you don’t have mortgage, and you’re not renting.

The Australian pension is based on the assumption that, in your retirement, you’ll own your own home.

NEVER MOVE

This historical assumption – unchanged from the time when the pension became available - is that you totally own your home outright, and that you don’t have a mortgage to pay off, and that you’re not renting.

However, now that we can readily accept a job interstate or overseas, we typically take the equity from under the floorboards and use that as a deposit for a dwelling in that new location.

CORPORATE EXECUTIVES One of the big millstones for corporate executives is that they often have a slightly larger family, and when they’re in their fifties, with teenagers, they decide to move to a larger house.

This typically means a larger mortgage, which they then can’t extinguish by the time they retire. Consequently they then use a chunk of their super to eliminate it – and so they enter into retirement, continuing with a grand lifestyle, but they’re now in “reduced circumstances”.

This is actually quite common, but it’s generally hidden.

In earlier times, when you bought a house when you married, you typically you stayed in that house forever, and you gradually paid off the mortgage.

And we repeat that cycle every few years – with dire consequences for our retirement nest egg.

MORTGAGES IN RETIREMENT Statistics from the 2016 census show that the proportion of homeowners who still have a mortgage when they retirement was 36 per cent, up from 23 per cent a decade earlier.

And in August 2019, the Australian Housing and Urban Research Institute (AHURI) found that since the mid-1990s, the proportion of Aussies carrying a mortgage into retirement had reached 45%.

However, most of us have some superannuation, and a small mortgage as approach retirement.

But if you still have a mortgage when you retire, a simple strategy is just to downsize – perhaps to a regional city. As long as you’re not too far from a major hospital, you should be OK, even living solely on the pension.

Then as your expenses reduce, you’ll find that you can adapt to eventually living just off the pension.

• What retirement issues do you have? Email me and I’ll try to assist.

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

MAY 2021 | FIND MANNINGHAM

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KiR ARCHITECTURE Creating bespoke masterpieces that you’ll love

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

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

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We are a unique commercial law firm practising in all states of Australia, with offices in Melbourne, Sydney, and now Brisbane. Our directors have many years in business before practising law which gives us a great advantage in understanding and delivering on our client’s needs and expectations. dean.bosman@mercantilelegal.com.au 422114300 www.mercantilelegal.com.au

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

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

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

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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.

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

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

Contact Us

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

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

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

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SPORTS

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TEAMS FOR BPL13 ANNOUNCED

BY VAL FEBBO Despite a quick 53-day turnaround between the most recent Bowls Premier League and the impending BPL13 at Brisbane’s Club Pine Rivers, four team changes have been made in preparation form April 20-23, 2021.

The Perth Suns, Adelaide Pioneers, Murray Steamers and the Brisbane Pirates have all announced alterations to their squads for the second of three BPL tournaments this year.

As previously revealed, Perth will bring in Cody Packer and Kristina Krstic to replace Lee Schraner and Genevieve Delves, with Ray Pearse remaining from Moama.

After finishing as runner-up last time out, the Pioneers have added Katelyn Inch to their roster, alongside reigning MVP Scott Thulborn and BCiB Jackaroo Wayne Ruediger, with Rebecca Van Asch stepping aside for this edition.

Inch’s BPL12 team, the Murray Steamers, have filled her spot with Natasha Van Eldik, who will join stalwarts Ryan Bester and Michael Walker in the two-time champions’ squad.

The host team’s Brisbane Pirates have regained the experienced head of Kelsey Cottrell, who replaces young superstar Kira Bourke.

Jeremy Henry and Aaron Hewson will round out the Pirates camp, who will aim to get back into the finals, after narrowly missing out on the Murray.

The defending champions Tweed Heads, three-time winners Sydney Lions and both Melbourne franchises, the Pulse and the Roys, go into BPL13 with an unchanged line-up.

Aaron Teys, Chloe Stewart and Corey Wedlock will return for the Ospreys, while Aron Sherriff, Ben Twist and Karen Murphy complete the famous Sydney Lions trio.

The top of the table Pulse retain Gary Kelly, Barrie Lester and Ellen Ryan, while the Roys will continue its quest for a maiden title with familiar combatants Matthew Flapper, Aaron Wilson and Carla Krizanic.

Teams (#BPL13) Adelaide Pioneers: Scott Thulborn, Wayne Ruediger, Katelyn Inch (Coach – Les Carter) Brisbane Pirates: Jeremy Henry, Aaron Hewson, Kelsey Cottrell (Coach – Michael Breen) Melbourne Pulse: Barrie Lester, Gary Kelly, Ellen Ryan (Coach – Mark Casey) Melbourne Roys: Aaron Wilson, Matthew Flapper, Carla Krizanic (Coach – Ian Ewing) Murray Steamers: Ryan Bester, Michael Walker, Natasha Van Eldik (Coach – Kevin Anderson) Perth Suns: Cody Packer, Ray Pearse, Kristina Krstic (Coach – Pieter Harris) Sydney Lions: Ben Twist, Aron Sherriff, Karen Murphy (Coach – Steve Glasson) Tweed Heads Ospreys: Aaron Teys, Corey Wedlock, Chloe Stewart (Coach – Wayne Turley) Stay tuned to the Bowls Australia website for further updates regarding BPL13, beginning in just 27-days.

MAY 2021 | FIND MANNINGHAM

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NATIONAL BOWLS CENTRE – EXPRESSIONS OF INTEREST

BY AIDAN DAVIS The establishment of a National Bowls Centre (NBC) will become a major priority for Bowls Australia over the coming years, the organisation’s Board and Executive have declared in announcing an Expression of Interest (EOI) for potential venues.

The national body has developed a comprehensive NBC Strategy, in consultation with external sports consultants, that will guide the future direction and process for the creation of the NBC, which aims to be much broader in scope than a traditional Centre of Excellence model.

Rather than focus solely on High Performance athlete support, the NBC will be a headquarters for HP and events staff, an environment to support daily performance of national and state/territory-level bowlers, a hub for bowls coach learning and development, a venue for competitions, corporate functions and schools/community programs, a centre for bowls research, and the home for the Hall of Fame and Bowls Museum, amongst other initiatives (identified on page 9 of the Strategy).

Bowls Australia CEO Neil Dalrymple said the NBC was an important initiative for the sport and called on clubs who meet the criteria and are interested in being a potential venue to submit an EOI. “The creation of a National Bowls Centre is an extremely exciting venture which will not only cater for our elite bowlers but also provide numerous other benefits including improved player pathways, talent identification, coach and official development, team building (Bowls and non-bowls), competitions and will act as a hub for other local, state, national and international Bowls and sporting organisations to enhance their performance,” CEO Neil Dalrymple outlined in the strategy.

“This is a major piece of development with wide ranging benefits for the sport, so it’s critically important that we identify the most appropriate site for the construction of the facility.

“We’ve developed a public form to canvass Expressions of Interest from potential bowls clubs, and I encourage any club that has a willingness to become the home of the NBC to review the Strategy, submit their expression or reach out for further discussion.”

The NBC EOI will close on May 31, 2021, after which, Bowls Australia’s Advisory Group will provide oversight and shortlisting of candidate venues, followed by further discussions and more detailed assessments of potential sites.

Enquiries for further information or discussion should be directed to Bowls Australia’s CEO Neil Dalrymple at ndalrymple@ bowls.com.au.

• National Bowls Centre Strategy • National Bowls Centre – Expressions of Interest (closes May 31, 2021)

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