Find Manningham May 2022 Edition

anningham The

MAY 2022

WHAT’S INSIDE: 04

LOCAL STORIES

05

COLUMNIST ARTICLES

14

TAX UPDATES

16

REAL ESTATE - RENTAL LISTINGS

18

MANNINGHAM COUNCIL NEWS

43

BIRTH, DEATHS & MARRIAGES

60

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

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We are looking for business owners who would like to be part of the Find Manningham Network Group.

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Accounting Services

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Counselor/ Psychotherapist

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Painter

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Acupuncture

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Dentist

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PERSONAL TRAINER

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Architect

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ELECTRICAL OPERATIONS

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Photographer

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Architectural Interior Design

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Electrician

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Pilates

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Attorney- Family

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FINANCE BROOKER

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Plasterer

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Auctions- Real Estate

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FINANCIAL PLANNER

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Plumber

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Bookkeeper

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Fitness Trainer

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Podiatrist

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Bowen Therapy

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Flooring

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Printer

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Builder- Commercial

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Florist

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Project Management

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Business Coach

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Garage Doors

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Psychologist

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Business Equipment Financing

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Health & Wellness Coach

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Real Estate Rentals

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Business Insurance

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Homeopathy

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Real Estate Sales

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Cabinets

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Lawn Care

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Reiki

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Caterer

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LAWYER

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Residential Cleaning

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Graphic Designer

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Life Coach

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Residential Mortgage

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Chinese Medicine

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Loans

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Security

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Chiropractor

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MARKETING

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Signs

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Commercial Mortgage

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Massage Therapist

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Solar

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Computer Repair

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Meditation/Yoga

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SOLICITOR

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Computer Web Design

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Naturopathic Medicine

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Travel Agent

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Concrete

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Nutrition

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WEBSITE DEVELOPER

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Copywriting/Copy Editing

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Osteopathy

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Wedding Planner

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MAY 2022 | FIND MANNINGHAM

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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.

anningham The

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

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

The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

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

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

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

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

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NEXT ISSUE Next Issue of the Find Manningham will be published on Friday June 1, 2022. Advertising and Editorial copy closes Friday June 10, 2022.

MAY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MAY 2022

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Austra lia is going to the Polls Warren Strybosch

On the 21st of May Australians will go to the polls to decide which party will form the next federal election.

It will be Albanese first time leading the Labor party in an election since becoming Opposition Leader in 2019.

Albanese took office at age 56 and is the oldest first-time Opposition Leader in 59 years, since Arthur Calwell (age 63) took office in 1960.

If Albanese wins office, he will be the 31st Australian Prime minister and he will follow the likes of Kevin Rudd who was replaced by Julia Gillard, the first female prime minister of Australia, only to be replaced by Rudd a few years later after she backflipped on the carbon tax scheme.

Unfortunately, for Albanese, he has not one of those leaders who has stood out over the years. In fact, a lot of people, until recently would have not known who the Opposition Leader of Australia was. It does not bear well for Albanese as he is an unknow quantity and has not warmed himself to the Australian people thus far.

Unfortunately, Labor has an uphill battle, and it will be interesting to see if Labor has to joins ranks with the Greens and possibly Clive Palmer to try and secure government. Labor is hoping they will get the numbers but given Albanese is not really leadership material, it will be interesting to see if Labor can pull something out of the bag come this election.

Whereas Mr Morrison is seeking the Coalition's fourth term in office and whilst he might not be liked by everyone in Australia, is a well-known figure who has demonstrated he can make decisions in a crisis. The Coalition re-election theme is one of economic trust and pointing out that if Labor gets in, they are likely to ruin Australia’s economy after it has struggled through tough times of late. Then if you add the Greens and Palmer into the mix, the question will be, will Labor actually be running the country, or will the Greens and Palmer be pulling the strings?

The other issue Labor faces is that Australian’s don’t easily forget what has happened over the last few years,

especially in Victoria. With ‘Dictator Dan’ as he was coined during pandemic, Victorians were forced out of work, could not be with their families when they were sick, nor attend the funerals of their loved ones, and it did not stop there. Labor created a society of the vaxxed versus the unvaxxed with the unvaxxed being treated like they were the undead. Ironically, just before the election, the rules surrounding the unvaxxed have nearly disappeared, yet COVID still abounds – maybe Labor is hoping to win the unvaxxed vote?

And we have not even dicussed the increased mental health toll we are now facing nor the sexual grooming agenda that seems to be invading our primary schools, where children as young as nine are encouraged to go home and discuss their father’s ejaculation and masturbating habits. The Labor Premiers have a lot to answer for in a lot of areas.

How will Australians vote? Many people we have spoken too are unsure how they will vote. In less than two weeks one thing will be for sure, someone will be in government. God help us all.

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MAY 2022 | FIND MANNINGHAM

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Director ID – A criminal offence if you do not apply in time Warren Strybosch

The Australian Securities and Investments Commission (ASIC) is responsible for enforcing director ID offences set out in the Corporations Act 2001. It is a criminal offence if directors do not apply on time.

The ATO will start contacting new directors to encourage them to apply for their director identification number (director ID).

Directors who were appointed under the Corporations Act: • • •

before 1 November 2021, must apply by 30 November 2022. between 1 November 2021 and 4 April 2022, must apply within 28 days of being appointed. from 5 April 2022, must apply before being appointed.

Tax agents and accountants cannot apply for a client’s director ID on their behalf. A director must apply for a director ID themselves. The tax agent, bookkeeper or accountant can help their clients to apply for a director ID online by:

• • •

telling them when they need to apply helping them set up their myGovID to a standard or strong identity strength helping them with the documents they need to prove their identity when they apply online.

You can find more information about who needs to apply for a director ID at abrs.gov.au/deadlines.

Applying for a director ID online Directors must set up their myGovID with a standard or strong identity strength before they apply for a director ID. You will need at least two of the following Australian identity documents to prove their identity: • • • • • • •

Drivers licence or learner’s permit Passport Birth certificate Visa (using their foreign passport) Citizenship certificate ImmiCard Medicare card

Directors will need additional information that the Australian Taxation Office (ATO) knows about them when they apply for their director ID online.

Directors will need additional information that the Australian Taxation Office (ATO) knows about them when they apply for their director ID online.

They’ll need their tax file number (not essential, but recommended), residential address as held by the ATO, and information from two documents to prove their identity. Your clients can use any two of these documents: • Bank account details held by the ATO • ATO notice of assessment • Super account details • Dividend statement • Centrelink payment summary • PAYG payment summary You can find more information about which documents can be used to prove your identity at abrs.gov.au/verify

#ReturnYourself

Find Your Library MAY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MAY 2022

www.findmanningham.com.au

Are you a Financial Planner looking for more clients?

Grow your Financial Planning Business with great integrity and sensitivity by providing advice to those requiring Aged Care Services.

List in our Find Aged Care Accommodation Website.

Are you an established and experienced Financial Planner providing Aged Care Advice?

Find Aged Care Accommodation is seeking professional ‘aged care’ accredited financial planners to provide advice to those seeking aged care advice in their local area. Are you accredited and can help work with clients to find the best aged care options? Are you able to work with their loved ones and help make the process of transitioning into aged care less daunting and complex? If so, consider listing on our website.

List with us, and we will get you promoted through our website, social media, and local community papers.

Why not consider joining the Find Network as a specialist Aged Care advisor and obtain referral leads from the rest of the Find Network members in your area?

To learn more about these new opportunities, contact Warren on 1300 88 38 30 or email info@findagedcareaccommodation.com.au visit our website at www.findagedcareaccommodation.com.au

www.findmanningham.com.au

MAY 2022 | FIND MANNINGHAM

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Did you know your digestion is key to your immune system? fibre, whilst the damaging bacteria feeds on sugar and refined carbohydrates.

Aim to eat 5 serves (where 1 serve is 1/2 cup cooked or 1 cup raw) of vegetables covering all the colours of the rainbow daily, as well as a variety of in-season fruit. This will encourage the growth of a diverse range of strong beneficial gut bacteria, which will restore an unbalanced microbiome and therefore strengthen your immune system as we head into winter.

Probiotics To directly improve the beneficial bacteria, eat a variety of probiotic foods: yogurt, kefir, kombucha, kimchi, sauerkraut, or miso soup.

In some cases, a probiotic may be helpful, and various strains have been studied for specific immune diseases.

For best results the correct strain(s) of bacteria for your condition, will give the best results.

“All disease begins in the gut” - Hippocrates 460BC – 375BC

Herbal medicine and nutritional medicine offer natural options for

NATUROPATH

By Kathryn Messenger

Whilst these systems may seem unrelated, they are actually closely linked. From a naturopathic view, a healthy digestive system is essential for all other aspects of health. After all, it is where all nutrients required to build and repair your body are absorbed, as well as where most metabolic waste products are excreted.

Leaky Gut (Intestinal Hyperpermeability) You may have heard of the term “leaky gut”. It is a condition in which the tight gaps between the intestinal walls are increased to allow substances other than nutrients, electrolytes, and water to enter the blood supply. The immune system is then activated to eliminate these substances which are toxic (when

outside the digestive system), and a continual supply of these over time, results in a state of chronic inflammation, and altered immune function.

The Gut microbiome The intestinal bacteria plays a major role in leaky gut, as the bacteria form the first protective layer inside the intestinal walls. Many things can contribute to an unbalanced microbiome such as gastro viruses, stress, diet, and antibiotics.

Obviously, the role of antibiotics is to kill bacteria, but it kills both the beneficial and the harmful. Care should be taken after antibiotic treatment to restore the beneficial bacteria which has been destroyed.

Prebiotics The beneficial bacteria feeds on plant

improving digestion, the gut microbiome and regulating the immune system. A naturopath can make a custom mix of herbs or select the best probiotics to best treat your unique symptoms.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au MAY 2022 | FIND MANNINGHAM

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Cruise Ships Return After Two-Year Ban By (Australian Associated Press)

Australian authorities are lifting a ban on cruise liners that’s been in place since March 2020.

NSW, Victoria and Queensland have outlined testing and vaccination requirements for passengers and crew in preparation for the ships to return.

However, Tasmania is still reviewing whether such a move is safe for the island state. Peak body Cruise Lines International Association Australia says the lifting of the ban will be marked by

“a carefully managed resumption of operations” in a sector that previously supported more than 18,000 jobs.

The first international ship scheduled to arrive, P&O Australia’s Pacific Explorer, will sail into Sydney Harbour on Monday morning in readiness for its return to service on May 31.

It will be followed at the end of the month by Ponant’s Le Laperouse, which will begin operations between Darwin and Broome on April 28, joining local operators in time for the important Kimberley season.

“More than a million Australians took an ocean cruise every year before the pandemic and we now have an opportunity to return to sailing and revive an industry that was worth more than $5 billion annually to the Australian economy,” Cruise Lines Australasian managing director Joel Katz said.

“While no setting is immune from COVID-19, the cruise industry’s new protocols provide among the highest possible levels of prevention, detection and mitigation.” The move comes despite COVID-19 infections remaining stubbornly high.

ATO Debts – They will get their money eventually The ATO will not always try to recoup debts owed by taxpayers immediately but place it on hold. This type of debt is called a non-pursued debt.

A non-pursued debt is a debt that is not visible on the balance of a taxpayer’s account on the ATO portal. When a debt is placed on hold, the ATO do not undertake any collection action, usually because it is not economical for them to do so. A debt deemed uneconomical for collection action will be re-raised at a later date if the taxpayer becomes entitled to credits, which will be applied to reduce the balance, or if their circumstances change.

So, if you see a debt removed from your tax portal account, don’t just assume the ATO has forgiven that debt. They just have placed it on hold and will most likely recoup it a later date.

www.findmanningham.com.au

MAY 2022 | FIND MANNINGHAM

ATO update on trust reimbursement agreements ACCOUNTANT

By Warren Strybosch

In a media release on 5 May 2022, the ATO has “acknowledged there has been significant interest in its draft public advice and guidance relating to trust reimbursement agreements and unpaid present entitlements. In response to the level of community interest, the ATO said it will extend the public consultation period for the guidance, which ended on 29 April 2022.

ATO Deputy Commissioner Louise Clarke said "the ATO is aware that the guidance – which has been long requested by the tax adviser community – has unsettled some in that community because it calls into question some practices which have been relatively longstanding".

"The vast majority of small businesses operating through a trust are not operating in a way that will attract section 100A. A distribution to an adult child who has a low marginal tax rate will not attract section 100A where they simply receive or enjoy the benefit of their distribution".

Ms Clarke clarified that the section can only apply where a distribution is made under an agreement where there will be a payment or other benefit provided to some other entity, that will typically have a higher tax rate than the beneficiary, where a purpose of that agreement is that someone will pay less income tax.

"For example, where a full-time student receives an entitlement from a trust under an arrangement where they agree to immediately gift the entitlement back to the trustee".

"The ATO does not make law. We have not changed section 100A; 100A remains as it always has been. What we have done is publish what is at this stage draft

guidance for consultation as to how we think the law applies,” Ms Clarke said.

"The ATO's position is that if the beneficiary of the trust gets the benefit, 100A has no role to play. The ATO is not concerned about ordinary family trusts where the relevant family members benefit from the distributions".

Similarly, Ms Clarke also noted that the ATO is not concerned when profits from the family business are distributed to members of the family who work in the management of the business and then that family member chooses to reinvest the profits in the business.

The ATO will not be pursuing taxpayers that entered into arrangements between 1 July 2014 and 30 June 2022 where, in good faith, they concluded that section 100A did not apply to them based on the previous 2014 guidance.

"I want to reassure the community - we won't have a retrospective element.

We stand by our 2014 guidance for this interim period,” Ms Clarke said.

The ATO will carefully consider all submissions received during the consultation period as it finalises the package of public advice and guidance.

A compendium of our responses to the feedback will also be published.

The question is whether this will mean the end of discretionary trusts as a taxeffective vehicle?

Lawyers are reminding accountants and family groups that the ATO does not make law and whilst they have released further guidance on the subject, it is yet to be made law and tested. They argue that there are many ‘common’ family arrangements involving discretionary trusts that will continue to be low risk.

Some lawyers are going so far as to say that as long as the funds being distributed to the adult children are indeed being

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distributed e.g., funds going into their bank account, and regardless of how those funds are being used, this should not incur s 100A and trustees should have nothing to worry about. Some lawyers are keen for the ATO to take this matter to court as they believe the ATO will lose. However, the ATO is off the opinion that just because something happens frequently, or is accepted as a common practice, doesn’t mean it is an ordinary commercial or family dealing for the purposes of s 100A, and may challenge distributions going to adult children.

Now, we wait and see, and trustees will have to decide whether to distribute funds to adult children is worth the risk this financial year.

Examples in the draft ruling include (but are not limited to) arrangements where: •

• • •

Distributions have been made to an adult child beneficiary and the entitlement to the funds representing those distributions have been applied for the benefit of another person (usually the parents), Where an entitlement to income has been ‘gifted’ back to the trustee (or a parent) or otherwise forgiven, Where there is a circular flow of funds (e.g., where the trust is a shareholder in a corporate beneficiary); and, Where a trust acquires an equity interest in a corporate beneficiary under a share buy-back arrangement involving members of the family group (often the parents).

The ruling, whilst still in draft form and has raised some concerns amongst taxation professionals given the ATO have been working on draft s 100A guidance for more than 6 years. The lack of certainty for trustees and beneficiaries around the ATO’s tax administration approach will no doubt cause concern and may leave trustees at risk of assessments arising from distributions that are made going forward. Trustees should consider speaking to their accountant or lawyer with regard to s 100A if they have any concerns or doubts about their current trust distribution arrangements.

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 MAY 2022 | FIND MANNINGHAM

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Superannuation – Some rule changes from July 2022 you need to be aware of.

FINANCIAL PLANNING

By Warren Strybosch

The superannuation system is always changing and this makes Australian’s nervous to place their trust in it. However, not all changes are bad news. The new reforms will benefit quite a few Australians and hopefully help them have more in retirement.

Many of the changes were originally announced in the May 2021 Federal Budget but took quite a while to make their way through both houses of Parliament. Some only passed in the dying days prior to Parliament rising for the 2022 Federal Election.

A. Increase in Super Guarantee percentage For everyone who is entering the work force, the increase in the Super Guarantee (SG) will likely mean they will never have to worry about their retirement in the future. This ‘forced saving’ plan, over a 40-year period for those young adults, will provide a good nest egg for them, and it will also reduce a lot of pressure of the social security system.

From 1 July 2022, the percentage rate for the Super Guarantee (SG) increases from 10% to 10.5%. Employers need to be aware of the increase and will be required to contribute additional money into their employees’ super accounts.

Under current laws, the percentage rate will rise again to 11% on 1 July 2023. It will continue rising 0.5% each year until it reaches its final rate of 12% on 1 July 2025.

B.

Removal of the $450 monthly SG threshold This is a win for those earning low incomes who are over 18 years of age.

Commencing 1 July 2022, the $450 monthly minimum wage threshold to qualify for employer Super Guarantee contributions will be abolished.

This scrapping of the monthly threshold amount means employers are now required to make super contributions for all their employees (including casual and part-time employees) regardless of how much they earn. For those under 18 and working less than 30 hours a week,

this measure will not apply to them.

C. Reduction in eligibility age for downsizer contributions For those selling their principal home after age 60, should consider the downsizer contribution. The eligibility age for making downsizer contributions into super was reduced from 65 years to 60. This type of contribution does not impact the concessional or nonconcessional caps.

From 1 July 2022, more people in their sixties can make contributions (up to $300,000 per person or $600,000 per couple) into their super account using the downsizer measure, provided they meet the eligibility criteria.

D. Increase in age limit for voluntary super contributions Have you already retired and received an inheritance? Would you like to place those funds into super? Well, for those under age 75, now you can.

From 1 July 2022, anyone aged 67 to 74 who wishes to make a non-concessional, voluntary super contribution is no longer required to meet the work test (or work test exemption) to be eligible to make the contribution. The other normal eligibility criteria such as a Total Super Balance (TSB) of less than $1.7 million and sufficient unused annual nonconcessional contributions cap still apply.

The only exception is for people wishing to make a personal contribution into their super account and then claiming a tax deduction for the contribution. This type of personal concessional contribution still requires the contributor to meet the work test (or work test exemption).

E.

Increase in age limit for salarysacrifice contributions The age limit for making salary-sacrifice contributions into super without needing to meet the work test has also been increased from age 68 to 74. This means from 1 July 2022 eligible salary-sacrifice arrangements into super are available to anyone aged under 75 without the need to meet a work test. The other normal eligibility criteria such as a TSB of less than $1.7 million and sufficient unused annual non-concessional contributions cap still apply.

F.

Increase in age limit for bringforward rule Older super fund members who want to make a large non-concessional contribution into their super account can now do so from 1 July 2022. The reform lifts the cut-off age for using the bringforward rule to under 75 from under 67 previously.

This means people up to age 74 can use up to three years’ worth of their nonconcessional (after-tax) contribution caps over a shorter period. Eligibility to use the bring-forward rule will still depend on the contributor’s TSB at 30 June of the previous year and the total of personal contributions over the past two financial years.

G. Increase in First Home Super Saver Scheme (FHSSS) limit From 1 July 2022, the maximum amount of eligible contributions that can be released through the First Home Super Scheme (FHSS) increases from $30,000 to $50,000. However, the annual limit for voluntary contributions eligible for the scheme remains at $15,000 per financial year.

H. Temporary reduction in super pension minimum drawdowns The government has extended the temporary reduction in the minimum drawdown rates by 50% for accountbased pensions and similar products in the 2022–23 income year.

I.

Changes to the Home Equity Access Scheme (HEAS) Following passage of the Social Services and Other Legislation Amendment (Pension Loans Scheme Enhancements) Act 2022, older Australians who have applied to use the government’s HEAS can access lump sum advance payments from 1 July 2022. The maximum advance is capped at 50% of the maximum annual rate of their pension (including pension and energy supplements and rent assistance).

The legislation also introduced a no negative equity guarantee for HEAS participants to ensure participants with an outstanding loan balance on or after 1 July 2022 will not have to repay more than the equity they have in the property used to secure their loan.

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MAY 2022 | FIND MANNINGHAM

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List Your Aged Care Facilities with Find Aged Care Accommodation Today.

Help the local community know you exist and what sets you a part compared to other aged care facilities, Financial Planners and other providers in the local area.

We have developed Find Aged Care Accommodation (www.findagedcareaccommodation. com.au) so you can promote your facilities and services to the general public. You can

also place any job vacancies on our website that is available in your facilities.

For more information, please contact us at 1300 88 38 30 or email info@findaccommodation.com.au.

COVID Grants – Now approved as tax-free income

By Warren Strybosch

The following COVID grants have been granted status as non-assessable non-exempt income (NANE) (basically tax-free income): 2022 Small Business Support Program (NSW); Commercial Landlord Hardship Grant (NSW); NSW Accommodation Support Grant (NSW); NSW Festival Relaunch Package (NSW); NSW Performing Arts Relaunch Package (NSW); 2021 COVID-19 Business Support Grants (Qld); COVID-19 Additional Business Support Grant (SA); COVID-19 Business Hardship Grant (SA); COVID-19 Business Support Grant - July 2021 (SA); COVID-19 Tourism and Hospitality Support Grant (SA); COVID-19 Business Support Grant (ACT).

For more information go to: Income Tax Assessment (Eligible State and Territory COVID-19 Economic Recovery Grant Programs) Amendment Declaration (No.3) 2022.

MAY 2022 | FIND MANNINGHAM

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2022 TA Small business technology investment boost A business with aggregated turnover of less than $50 million will be entitled to a 20% additional deduction for expenditure relating to a digital business adoption. The additional deduction will be available for expenditure incurred from 7:30pm (AEDT) on 29 March 2022 (2022 Federal Budget night) until 30 June 2023.

Announcement(29-Mar-2022) Consultation Introduced

There is a limit of $100,000 of eligible deductions able to be claimed by a business each income year but

Passed

can be claimed on both business expenses and depreciating assets.

Royal Assent Date of effect

Small business skills and training boost Small businesses will get an additional tax deduction on top of the allowable deduction for training their employees. Announced in the 2022 Federal Budget, a business with aggregated turnover of less than $50

Announcement(29-Mar-2022)

million will be entitled to claim a 120% deduction for eligible expenditure. Eligible expenditure refers to

Consultation

external training courses delivered to a business’s employees by a registered training organisation in Australia.

Introduced Passed Royal Assent

The skills and training boost is available from 7:30pm (AEDT) on 29 March 2022 until 30 June 2024.

Date of effect

COVID-19 tests to be tax deductible The cost incurred in taking a COVID-19 test will be tax deductible for individuals as long as the test was used for a work-related purpose. Although there was an argument to be made that an employee taking a

Announcement(28-Mar-2022)

COVID-19 test for work was already deductible under general provisions, the government has legislated it

Consultation

to provide certainty. Also, expenditure incurred by an employer to provide their employees with these tests for admittance to work will be exempt from Fringe Benefits Tax.

Introduced(30-Mar-2022) Passed(30-Mar-2022) Royal Assent Date of effect(1-Jul-2021)

The new law takes effect from 1 July 2021.

ATO scrutiny of family trust arrangements On 23 February 2022, the ATO released TR 2022/D1 and PCG 2022/D1 in relation to distributions made by trustees of discretionary trusts. This was complemented by TA 2022/1, which discusses parents benefitting from the trust entitlements of the adult children. All 3 documents focus on schemes where income is diverted from an intended beneficiary in order to reduce tax liabilities. The rulings discuss these at detail and include significant attention to an important carve out for dealings that are “ordinary family or commercial” dealings. These dealings are excluded from the anti-avoidance provisions. Trustees need to make sure that

Announcement(23-Feb-2022) Consultation period(29-Apr-2022) Released

their distributions are in accordance with the expectations of the ATO, otherwise they may be subject to an audit. Helping them understand their obligations is paramount coming up to the end of the current income year.

Low and middle income tax offset The low and middle income tax offset (LMITO) was introduced in the 2018 Federal Budget to commence from 1 July 2018. The offset runs in conjunction with the low income tax offset as a targeted reduction of income tax for Australian residents. Originally due to run over 4 years, in the 2020 Federal Budget phase 2

Announcement(8-May-2018)

of the 3-phase 7-year income tax plan was brought forward. This effectively put an end date on LMITO of

Consultation

30 June 2021. In the 2021 Federal Budget it was announced that LMITO would be extended to the 2021–22

Introduced(30-Mar-2022)

income year. In the 2022 Federal Budget, the government increased LMITO for its final year by $420. However, unlike previous increases of LMITO, the final increase is available to all individuals below $126,000 in taxable income. The maximum LMITO of $1,500 is available in 2021–22 for Australian residents on incomes between $48,000 and $90,000 and will tapers off to $420 for individuals with a taxable income of $126,000.

Passed(30-Mar-2022) Royal Assent(31-Mar-2022) Date of effect(1-Jul-2021)

AX UPDATES Potential end for Div 7A and sub-trust arrangementsa A draft determination has changed the ATO’s position on how sub-trust arrangements apply within the context of Div 7A. Effectively, when a corporate beneficiary and trustee of the trust are ultimately the same people, Div 7A will apply directly to unpaid present entitlements (UPEs). The assumed provision of financial accommodation in practice means that sub-trust arrangements will have no benefit when it comes to deferral of tax or repayments of loans. When finalised, the determination will apply from 1 July 2022. A

Announcement(23-Feb-2022) Consultation period(29-Apr-2022) Released

consultation period has recently been extended to 29 April 2022 and stakeholders are encouraged to have their say with the ATO.

One-off cost of living payment for social security recipients Individuals who are currently in receipt of an Australian government allowance or pension will receive a one-off payment of $250 to ease the cost of living pressures. Certain concession card holders will also get

Announcement(29-Mar-2022)

the payment. Originally announced in the 2022 Federal Budget, this one-off payment has been legislated

Consultation

through parliament and will be exempt from tax. The payment will also be exempt from counting towards

Introduced(30-Mar-2022)

and individual’s income for social security purposes. It is expected that the payments will flow through to eligible recipients from 28 April 2022.

Passed(30-Mar-2022) Royal Assent(31-Mar-2022) Date of effect(29-Mar-2022)

One-off cost of living payment for social security recipients Individuals who are currently in receipt of an Australian government allowance or pension will receive a one-off payment of $250 to ease the cost of living pressures. Certain concession card holders will also get

Announcement(29-Mar-2022)

the payment. Originally announced in the 2022 Federal Budget, this one-off payment has been legislated

Consultation

through parliament and will be exempt from tax. The payment will also be exempt from counting towards

Introduced(30-Mar-2022)

and individual’s income for social security purposes. It is expected that the payments will flow through to eligible recipients from 28 April 2022.

Passed(30-Mar-2022) Royal Assent(31-Mar-2022) Date of effect(29-Mar-2022)

SA COVID-19 stimulus and relief package Throughout the COVID-19 pandemic, the South Australian Government has implemented a range of stimulus payments for residents and businesses.

From December 2021, density restrictions in place may have meant that your client may have experienced a decline in turnover.

These support measures included: •

automatic payments for those also that previously received the COVID-19 Tourism and Hospitality Support Grant

• •

Consultation Introduced(30-Mar-2022) Passed(30-Mar-2022)

automatic payments for gym who qualified for the Additional COVID-19 Business Support Grant

Royal Assent(31-Mar-2022) Date of effect(29-Mar-2022)

• •

Announcement(29-Mar-2022)

one-off grants for other eligible businesses that experienced a reduction in turnover, and

• •

new grants available for major events that were cancelled or postponed.

In the 2022 Federal Budget, a number of South Australian grants were added to the non-assessable nonexempt list, meaning they are tax free for businesses who received them.

For previous measures that were in place in South Australia, refer to our state COVID-19 page.​ MAY 2022 | FIND MANNINGHAM

13

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Manningham Food and organic waste is coming to Manningham

In February 2020 the Victorian Government released the ‘Recycling Victoria – Victoria’s circular economy and action plan’. The State Government have set a range of targets and requirements to reduce waste going to landfill.

Residents with a residential Council waste service will receive a kitchen caddy and compostable caddy liners to make it easier for you to collect food waste, before transferring into the FOGO bin.

Manningham Council has endorsed the introduction of a Food Organics Garden Organics (FOGO) service from 1 July 2023.

Mayor, Cr Michelle Kleinert said that the introduction of FOGO is a fantastic opportunity for the community to reduce the amount of waste going to landfill.

The FOGO service will allow you to dispose of all food waste in your existing green-lidded garden bin along with your garden waste. This service is a great way for you to take action and reduce your impact to the environment and meet our climate action plan.

“One of the easiest and most effective ways to reduce greenhouse gases will be disposing of your food waste into the FOGO bin.”

Currently almost 56% of kerbside waste in Manningham sent to landfill is food waste. When food and garden waste breaks down, it produces the harmful greenhouse gas methane, which contributes to climate change.

When food waste is collected and properly processed, it is turned into high grade compost which is then used to enrich the soil. This is especially important for those residents who don’t currently have a compost or worm farm.

“Many residents have been asking for this service. We are proud to be able to offer this sustainable option for food waste disposal.”

From 1 July 2023 we will commence a weekly FOGO and fortnightly garbage and recycling kerbside collection service.

Detailed information about the changes will be provided over the coming months.

More information about the best way to reduce your landfill visit manningham.vic.gov.au/food-organics-garden-organics-fogo

Roads - A priority for Manningham

Manningham Council is calling on federal election candidates to upgrade our roads. Increased population, major road works and congestion are changing the way we move around our city. “As key routes are restricted arterial roads are reaching capacity,” said Mayor Cr Michelle Kleinert.

“State and Federal government have an important role to play in the upgrade of infrastructure to meet current and future needs. We are advocating for funding to complete necessary infrastructure to support our community.”

We are calling for Federal funding of: • $55 million for Templestowe Road duplication.

• Up to $10 million towards improvements for 5-ways intersection.

• $7 million for upgrade and improvements to Jumping Creek Road.

Roads and transport are a priority for our community under our Council Plan theme Liveable Places and Spaces. Our community have asked us to advocate on key transport infrastructure and improvements.

“The federal election is an opportunity for our community to let candidates know what concerns them. I am encouraging all members of our community to contact your local candidate and tell them what Manningham needs,” said Cr Kleinert.

We firmly believe that #localsknowwhatlocalsneed so #dontleavelocalcommunitybehind.

To see the full list of advocacy projects visit, manningham.vic. gov.au/advocacy

Council News MAY 2022

Making it easier to recycle in Manningham Manningham residents can now recycle more household “Batteries and small e-waste items can contain hazardous products, following the installation of recycling stations around the materials like lead and mercury. These items need to be municipality. recycled by special processors.”

Items that can be safely recycled include: • Household batteries • Fluoro tubes and fluoro globes • Printer cartridges • Small e-waste items like mobile phones, cameras and accessories • DVDs and CDs • X-rays The new recycling stations can be found at: • Warrandyte Library 168 Yarra Street, Warrandyte • Doncaster Library – 687 Doncaster Rd, Doncaster • Manningham Council Depot - 620-628 Blackburn Rd, Doncaster East

“95-98% of the materials accepted at the recycling stations can be recycled and reused if disposed of correctly. The stations offer an easy way to protect our environment and recover more precious resources.”

The Victorian Government banned e-waste from going to landfill in 2019, because of the environmental damage that it can cause. Most e-waste contains valuable materials which can be recycled. E-waste contains hazardous materials, such as heavy metals like lead, mercury and cadmium, which should be kept out of landfill.

Larger e-waste items can be disposed of by booking a hard waste collection if you have a Council residential waste service or by dropping off the items at your closest recycling centre in Bellfield, Plenty, Vermont South and Wantirna South.

Mayor, Cr Michelle Kleinert is pleased that the recycling More information about the best way to recycle at manningham. stations will make recycling easier in Manningham. vic.gov.au/recycling-stations

Sporting Clubs to nominate a champion for mental health first aid accreditation Manningham sporting clubs identified mental health as a critical issue they’re currently dealing with. To help local clubs support their communities, Council is sponsoring two people per club to become a recognised and accredited Mental Health First Aider.

knowing how to reach out and navigate a conversation with someone who may be struggling can be the hardest part.

“By granting our clubs access to leading sports industry education, we want these organisations to feel capable, confident and prepared to help their communities with mental health concerns,” said Mayor Cr Michelle Kleinert.

completed the course.

The course will teach participants how to recognise the signs and symptoms of mental health problems and develop their skills and confidence in supporting people experiencing a Council has partnered with the Richmond Institute to provide mental health problem or crisis. the blended online and in-person program, delivering an “Everyone should take the opportunity to understand mental accredited course by Mental Health First Aid Australia. health issues,” said Mental Health First Aider Karyn, who “We now have the confidence and understanding to support not only our members but our families and the community.”

Council is looking for the next round of volunteers to complete “Having completed mental health first aid myself, I can’t the course. express enough how much this course can benefit the wider Council has provided Manningham sporting clubs with further community,” said Mayor Cr Kleinert. details about the course and how to register. If you’re interested When it comes to addressing mental health issues, sometimes in participating, please contact your club committee members.

MAY 2022 | FIND MANNINGHAM

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Manningham Time to take more climate action

actions included in the draft plan were driven by community feedback.”

“We are keen to hear from residents and business operators about which actions you want to work on first.”

What can you do?

The draft plan outlines easy ways you can tackle climate change in your neighbourhood, including:

What actions will you take to combat climate change?

Council has endorsed a draft Climate Emergency Action Plan to meet the climate mitigation targets adopted in late 2021.

Manningham’s adopted climate mitigation targets are: • net zero emissions by 2028 for Council operations • net zero emissions by 2035 for the Manningham community We are now seeking your feedback on the draft actions which we are planning to meet our goal in achieving net zero emissions.

Manningham Mayor, Cr Michelle Kleinert said that the entire community will play an important role in meeting the targets.

“It was our community taking action that brought us here. Our community asked us to act which led to the declaration of a climate emergency. The Climate Emergency Action Plan is the next step to reduce the impacts of climate change. All of the

• Switching to solar • Learning more by attending a climate education event • Applying for a LEAF grant to preserve your natural values on your property • Managing your waste and recycling The introduction of a food and organic waste, which is scheduled for implementation in July 2023, is one major project we are implementing for our community which will contribute in us achieving net zero within the community.

What have we done?

Manningham Council has rolled out many initiatives over recent years to reduce greenhouse gas emissions. These initiatives have included the introduction of: • energy efficient LED streetlights, • a low emission Electric Vehicle Council fleet, • solar power, and • green power purchasing and a wind-powered electricity supply through the Victorian Energy Collaboration (VECO).

To provide your feedback about the draft Climate Emergency Action Plan, visit yoursay.manningham.vic.gov.au/climateaction

Foundation Stone Photo Exhibition and Talk Come and see this photo exhibition and learn about how Warrandyte Stone has been used in the town’s walls, memorials, houses, and buildings.

Don’t miss the accompanying Foundation Stone Talk by the master stonemason, James Charlwood.

Foundation Stone Talk with James Charlwood The talk will be at 2:00 pm on Sunday, 15 May in the Federation Room at the Grand Hotel Warrandyte.

If you would like to attend, please contact the Warrandyte Historical Society to reserve your place.

The Warrandyte Historical Society are running this event.

Council News MAY 2022

Jumping Creek Road Upgrade Plan Endorsed by Council

Last night Manningham Council adopted the Jumping Creek Road Design Proposal. The design proposal outlines how the Jumping Creek Road upgrade project will be constructed.

Manningham Mayor, Cr Michelle Kleinert said that the endorsement of the design proposal signifies the start of the next chapter for this project.

The proposal successfully balances the priorities of safe road usage and the need to preserve the unique visual amenity of the local area that Jumping Creek Road is located within.

“We know how passionate our community is about the safety of its members and preserving the beautiful natural environment we all enjoy. This concept plan has done a wonderful job of considering these two key elements.” Cr Kleinert said.

The $17.9 million Jumping Creek Road upgrade project is a major project to reconstruct the full length of Jumping Creek Road from Ringwood-Warrandyte Road in Warrandyte to Homestead Road in Wonga Park.

The Jumping Creek Road Development Framework was endorsed by Council in 2016 after serious safety risks were identified on the stretch of road. A study conducted at the time identified that between January 2009 and December 2013, a total of 17 crashes resulting in casualties were reported at Jumping Creek Road, including one fatal crash. It was also identified that Jumping Creek Road is an important local link road that carries more than 8,100 vehicles per day, with the traffic volume expected to double to 15,000 vehicles per day by 2035.

In 2013 a Community Reference Panel was established to consult on the project with members of the community, Ward Councillors and project officers providing invaluable input on the road upgrade plan.

“With a lot of constructive input from our community we know this upgrade will add value to the everyday lives of those who use Jumping Creek Road.”

The concept plan is designed to improve safety for all users, including motorists, cyclists and pedestrians. Jumping Creek Road’s original construction standard has resulted in limited locations for pedestrians to safely walk along the road.

With over eleven years of community engagement on this project, the final design reflects the views of the community which have been considered at each step of the process.

Works on the Jumping Creek Road upgrade project are expected to begin in early 2023, with an early works package commencing in late 2022.

For more information about the project visit yoursay. manningham.vic.gov.au/jumping-creek-road-upgrade

MAY 2022 | FIND MANNINGHAM

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Manningham Flooding and Stormwater Management

Manningham Flood Mapping Project Planned for completion in 2026, the Manningham Flood Mapping Project is being delivered by Melbourne Water and Manningham Council. It will provide maps indicating flood extents for the regional and local drainage networks in Manningham, for a range of probable storm events.

Flood mapping involves computer modelling, which simulates how stormwater runoff travels through catchments. The modelling takes account of data including the: • Terrain • Built form • existing drainage network, including the pits and pipes • perviousness of the catchment; and • rainfall.

Current and reliable flood mapping information is essential to understand and manage flood risk. It is used to: • assess the frequency, severity and location of flood risks within catchments • better plan and prioritise mitigation activities • plan for future development; and • inform emergency management planning.

The flood mapping process will also be informed by the latest available data and guidance recommended under the 2019 version of Australian Rainfall and Runoff.

To find out more, view the Manningham Flood Mapping Project FAQs. Integrated Water Management Strategy The Manningham Flood Mapping Project will inform the development of Manningham Council’s Integrated Water Management Strategy.

This strategy will review flooding and stormwater management risks and respond to emerging challenges, including: • population growth • development pressure • climate change; and • increasing flood and drought risk.

Integrated Water Management is a collaborative approach to the way we plan for and manage all elements of the water cycle. It considers opportunities to treat stormwater as a resource, rather than a waste for disposal. risks and respond to emerging challenges, including: • population growth • development pressure • climate change; and • increasing flood and drought risk.

Integrated Water Management is a collaborative approach to the way we plan for and manage all elements of the water cycle. It considers opportunities to treat stormwater as a resource, rather than a waste for disposal.

According to the CSIRO and Bureau of Meteorology State of the Climate report (2018), climate change is expected to result in more intense, but less frequent rainfall and longer periods of drought. With increasing temperatures, evaporation rates will also increase.

These impacts emphasise the need to review flooding and stormwater management for the future.

The Integrated Water Management Strategy will identify opportunities to reduce reliance on potable water, consider alternative water sources and contribute to the achievement of a resilient and liveable Manningham.

To find out more, view the Integrated Water Management Strategy FAQs.

Council News MAY 2022

ASSET PLAN

the condition and value of our assets as well as how our capital works program is developed and prioritised.

“Our assets are used our community for a range of purposes.

These include our community halls to sporting fields, open spaces to streetscapes and plazas.” said Mayor Cr Michelle Kleinert.

“We have developed the Asset Plan to be easy to read so everyone can have a say on how we plan to manage these important community resources.”

An Asset Plan is a requirement under the Local Government Act and will feed into our Asset Management Plans next financial year.

The Asset Plan is part of a suite of long-term planning documents which includes: • Council Plan • Municipal Strategic Statement • Health and Wellbeing Strategy 2021 – 2025 • Capital Works Plan • Financial Plan

On Tuesday 26 April Manningham Council endorsed the draft Asset Plan for public comment.

The Asset Plan provides information for our community about

“This is an important opportunity for our community to have a say on what is important to them for planning community assets” said Cr Kleinert.

To provide your feedback about the Asset Plan, visit yoursay. manningham.vic.gov.au/asset-plan

Council expands renewable energy contract Manningham Council endorsed expansion of renewable wind power to key buildings.

In May 2021, as a member of the 47-council strong Victorian Energy Collaboration (VECO), we signed a contract with Red Energy to supply wind-powered electricity to four Council buildings.

After analysis of current contracts, we have the potential to grow our emissions reduction from 25 per cent to 65 per cent by expanding the contract.

“Our draft Climate Action Plan calls for the community to take action on climate change. This program shows our commitment to the Action Plan by seeking renewables for our power needs.”

The two windfarms are located 23 kms northeast of Mortlake “Accessing renewable energy through the contract not only (Moyne Shire) and 25 kms north of Horsham (Yarriambiack will reduce our emissions but also provides a financial benefit Shire). The farms have 80 and 38 turbines respectively generating as the contract is considerably less than existing contract over 2000GWh annually. prices,” said Mayor Cr Michelle Kleinert.

Along with the power generated from the wind farms the PPA The contract with Red Energy is called a renewable energy will also draw power from the fleet of Snowy Hydro (parent Power Purchase Agreement (PPA). This PPA was the catalyst Company) renewable energy generators, as required. for adding two windfarms to the Victorian electricity grid. In doing so, this PPA contributes to reduce the carbon intensity of To provide your feedback about the draft Climate Action Plan, visit yoursay.manningham.vic.gov.au/climate-action Victoria’s electricity supply.

MAY 2022 | FIND MANNINGHAM

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What’s On?

Free •

Heritage Festival

Exhibition of Costumes Sunday, 15 May 2022 2:00 to 5:00pm

Free to those eligible under the National Immunisation Schem •

Immunisation Sessions

Immunisation sessions in Park Orchards Monday, 16 May 2022 9:00 to 9:45 am

Free to those eligible under the National Immunisation Schem

Immunisation sessions in Doncaster East Monday, 16 May 2022 11:00 am to 12:00 pm

Australian Citizenship Ceremonies Monday, 16 May 2022 7:00 to 8:00 pm Manningham Function Center

What’s On?

Free •

Arts, Theater and Music

Free •

Arts, Theater and Music

Re:SPECT - Art theraphy Tuesday, 17 May 2022 10:00am to 12:00pm MC Square Community Centre

Free •

Health and Fitness

GO Soccer Mums Program Tuesday, 17 May 2022 7:00 pm to 8:00 pm Donvale Reserve

S.T.A.R. Kids Tuesday, 17 May 2022 4:00 to 6:00pm MC Square Community

$40 for four sessions

Confident and connected Wednesday, 18 May 2022 4:00 to 5:30 pm MC Square Community Centre

MAY 2022 | FIND MANNINGHAM

23

Are you Not-For-Profit in Manningham Area?

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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

Doncaster

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

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BIG W: Toys for Joy program is now live nationwide BIG W is proud to announce that they have expanded their successful Toys for Joy program to all 176 stores nationally after the initiative saw over 18 tonnes of old toys collected in its first year of trial operations.

Facilitated by recycling partner TerraCycle, BIG W’s Toys for Joy is the first of its kind toy recycling program in Australia.

According to Managing Director of BIG W, Pejman Okhovat, the program aims to reduce the number of toys that find their way into landfill by giving parents and carers an easy and accessible disposal alternative at their local BIG W store.

Dymocks: 3 for the price of 2 on children’s graphic novels Head to Dymocks and get 3 for the price of 2 on select children’s graphic novels! *T&C’s apply. Offer valid in one transaction on books marked 3 for 2. Free offer applies to the lowest priced book. Strictly while stocks last. See in store or online for full list of titles. Offer ends 30 May 2022.

MAY 2022 | FIND MANNINGHAM

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FIND MANNINGHAM | MAY 2022

www.findmanningham.com.au

RETIREMENT

Did you know?

40.0% is the new permissible interest rate (up from 4.01%) that can be charge to calculate the daily payments for outstanding accomodation balances for new residents entering care between 1 January 2022 and 31 March 2022.

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

www.findmanningham.com.au

RETIREMENT

By Bernard Kelly MBA

Many retirees say that they do not spend on the grounds that they “could run out of money”. They prefer to leave their assets untouched.

Now this mindset is a carry-over from an earlier time, and as such should be re-examined in the light of modern circumstances.

Prior to retirement, the emphasis is on accumulation, but after retirement, with accumulation or – at least – a pension having been achieved, it’s time to spend.

But too many retirees simply can’t make the switch. The religion of Saving is too ingrained.

But surely retirement is a time for a feeling of enjoyment, when we able to develop all those projects that we have previously deferred. This is the time when we should cultivate an enthusiasm for living, as the bleak routine of earlier years is now behind us.

Spending in moderation is quite OK – you really can’t enjoy the grandchildren unless you spend something on them, and for the more energetic, there is a cost of course in just becoming a grey nomad.

So moderate spending is good, but you have to work at it.

Most corporates don’t market to retirees, because of the prevailing attitude that retirees don’t spend. This is unfortunate as retirees can then be lulled into missing out on simple pleasures.

MAY 2022 | FIND MANNINGHAM

29

LEARN TO SPEND AGAIN Here are some personal examples from my network of friends: One lady, who has terminal cancer, doesn’t drink, doesn’t smoke, doesn’t gamble and treats herself to one indulgence every day.

She buys a coffee and sits on the cliffs watching the water, the birds, the sand and is at peace with herself.

A small outlay (from her modest savings) to be at one with herself.

Perhaps she fits the advertisers’ profile of who seniors are.

But another couple - who used to travel to exotic overseas destinations pre COVID – now is content to explore Australia.

They’re quite distant from being members of the affluent “self-funded retirees” club, but at least they’re enjoying retirement, and spending on their own terms.

Saving for the children The concept of saving “something for the children” is also discredited today, as when their inheritance occurs, most will already be financially secure.

And most likely they will be close to retirement themselves.

So retirees shouldn’t save on their behalf – particularly as over half of the population won’t experience their “estate event” (death) until we are well into our 90s.

At which time, your children will be into their sixties, and won’t be needing your money.

So, let’s join the campaign to become a modern elder – and learn to spend.

Bernard Kelly writes on retirement issues,

They made the effort to find enjoyment locally, and are not afraid to spend.

and welcomes comments.

Feel free to contact him – bernardkellygeelong@gmail.com

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

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

warren@findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134 Find Wealth t/as Find Insurance Corporate Authorised

1300 88 38 30

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Representative (No.468091) of Alliance Wealth Pty LTD ABN 93 161 647 007 No. 449221

General Insurance We specialise in the following:

We DO NOT provide advice or quotes for the

• Business Pack Insurance

following (you need to go direct and save):

• Professional Indemnity

• Car Insurance

• Public Liability - Business related only

• Home & Contents

• Landlord Insurance

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• Height Safety Insurance

• eBikes

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

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

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

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PROFESSIONAL SERVICES

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

www.heightsafetyinsurancebrokers.com.au 0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

CRAIG ANDERSON GENERAL INSURANCE

ABN: 26689211803

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

SHL FINANCE CAN HELP WITH ALL YOUR FINANCE NEEDS •

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Get the Morthgage You Deserve

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Jodie Moore MORTGAGE BROKER

0478 021 757 www.shlfinance.com.au

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

LOCAL TRADIES

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TRADIES - FREE ADVERTISING Are you a Tradie? Need referrals?

Consider joining the Find Manningham Network group.

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES

• Coffee Machine Hire ---------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance -------- 00

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HOME & GARDEN

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

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HEALTH & BEAUTY

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INDEX PROFESSIONAL SERVICES • Book Pouches ---------------------- 41 • Lactation Consultant ----------- 40 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Theraphy ------------------ 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

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

Contact Us

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

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

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

•Growing Pain •Migraines and Headaches •Poor Posture •Sport Injuries •Special Needs •Retained Primitive Reflexes •Pregnant and Prostnatal Women MAY 2022 | FIND MANNINGHAM

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The Autumn Collection is out now!

0473 039 661 somethingsimplymade@gmail.com www.instagram.com/somethingsimplymade

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

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

SPORTS

Donvale Bowls Club ”CHARACTERS”

Donvale Bowls Club is indebted and beholden to many of our beloved and long serving characters which define and distinguish it.

Two such characters at Donvale…. Barbara Drew & Norma Juchno. Their combined contribution to the Donvale Bowls Club, immeasurable.

I should add, trying to get any self -praise or accolades from these two was difficult.

Norma and her older sister grew up in Ivanhoe, as a young schoolgirl she attended Fairfield State School, Bellfield Primary and on to Heidelberg Girls Secondary College.

During those informative years, joined the Girl Guides at 11 years of age spending many enjoyable years, making many new friends, camping, and hiking.

Reaching the maximum age for a Guide she was asked to rejoin the group as a Leader.

Leaving school, she quickly secured a position at the Reserve Bank, not bad for a young kid making her way in the world.

It was here she met her partner Chez; they became engaged and married in 1970.

Two children Narelle in 1972 and Darrell in 1977. After the children were at school she took a sales rep’s job at Goodman Fielders, calling on the grocery trade, met Bernie Henderson, a Safeway Manager.

Their mutual respect and friendship still existing today at Donvale Bowls Club.

Norma was always interested in sport, playing and coaching, she coached an Under 16 basketball team to a championship.

Unfortunately, in 1984 she sustained a serious knee injury while playing, this was the end of any strenuous or demanding physical sport.

Needing an interest, she discovered and joined Donvale Bowls Club, prepared to take on any role that needed volunteers, becoming President of the recently formed Social Club Barbara and her two older brothers spending most of her childhood years in Moorabbin. An exceptionally bright student, she decided to leave school and look for employment opportunities quickly securing a job in the rag trade, Flinders Lane, the clothing hub at the time.

It was here she met and married husband Daryl, had three children, Warren, Carolyn, and Kristine, regularly assisted by working in the school canteen, and becoming an assistant Girl Guide Leader.

She joined the Donvale Bowls Club in 2004, membership at the time 85 members, one team on a Tuesday and 3 three on a Saturday.

During this period, she has served on many committees, many projects, willingly played many roles, this continues today.

Her work together with Norma on the trading table for so many years has been inspirational.

Difficult to quantify the dollars these ladies have generated and continue to do so.

Every club has its heroes, our characters, Donvale Bowls Club has Norma Juchno and Barbara Drew.

MAY 2022

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

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

The Find Coupons and its Offers are intended for the non-profits use of the individual purchaser of the Find Cards &/or Find Coupons. Additionally, the use of the Find Coupons &/or Find Cards or any of the Offers placed in our Find Paper, for advertising purpose, in any form of fashion, is strictly prohibited. Any use of a Offers in violation of these Rules will render the Offer VOID, and violators will be prosecuted. Offers may not be reproduced and are void where prohibited, taxed, or restricted by law. Find, will not be responsible if any establishment breaches its contract of refuses to acccept the Find Cards / Offers with in the Find Paper: we will however, use our best efforts to secure compliance, Find, will not be responsible in the events beyond its control. © 2022 Find.

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