Manningham June 2022 Edition

anningham The

JUNE 2022

WHAT’S INSIDE: 04

LOCAL STORIES

05

COLUMNIST ARTICLES

16

TAX UPDATES

18

REAL ESTATE - RENTAL LISTINGS

20

MANNINGHAM COUNCIL NEWS

43

BIRTH, DEATHS & MARRIAGES

61

FIND COUPONS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MANNINGHAM

Erp Paul

See full Article on page 4

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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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JUNE 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 Thursday July 8, 2022. Advertising and Editorial copy closes Friday July 3, 2022.

JUNE 2022 | FIND MANNINGHAM

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LABOR WINS 4

FIND MANNINGHAM | JUNE 2022

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– what does that mean for Australia?

By Warren Strybosch

The Labor Party’s victory ends almost a decade of conservative government.

In a triumphant speech to supporters in Sydney, Labor leader Anthony Albanese boldly promised action on global warming, indigenous rights and sluggish wage growth. He said he wanted to “promote unity and optimism, not fear and division.”

In his victory address, Albanese said Australia – which currently relies on coal for most of its electricity - has the opportunity to make fundamental changes.

"Together we can end the climate wars. Together we can take advantage of the opportunity for Australia to be a renewable energy superpower," Albanese said. "Together we can work in common interests with business and unions to drive productivity, lift wages and profits.”

From humble beginnings living with just his mother in state-subsidized housing, Albanese will be his country’s 31st prime minister. He said he hoped his journey would inspire “Australians to reach for the stars.”

The 47th Parliament of Australia will be made up of 77 Labor seats, 58 Coalition seats, four Greens seats and 12 other crossbenchers.

Whilst Labor party only received about 33% of the primary votes from the more than 17 million Australians who were eligible to vote, Labor picked up a large percentage of preference votes

from the Coalition who placed Labor ahead of Greens. It is estimated around a third of voters did not support either of the two main parties. Analysts have said non-aligned lawmakers, many of whom are women who are seeking action on climate change and integrity in politics, could wield significant power in the new parliament.

Australia’s outgoing center-right coalition government suffered a humiliating defeat in the polls and Scott Morrison has stepped aside as leader. The Liberals will need to take time to consider where they went wrong. Was it simply that they had been in government for 10 years and it was time to have a change or is there other greater underlining issues that the Liberals will need to combat before they return to the polls in four year’s time.

The final win for the Labor Party comes as Mr Albanese announces his ministry, following the first Labor caucus of the new government.

Labor had enough seats to govern in its own right, but with 76 it would have needed to find a speaker from the crossbench.

Several independents sounded out for the role.

had

been

The greatly expanded crossbench was one of the most significant results of the federal election, as several independent candidates successfully toppled established Liberal politicians on a promise to force government accountability and climate action.

Independent MP Rebekha Sharkie told the ABC that Labor's majority would not diminish the influence of the crossbench.

"For the last two parliaments, for the majority of the time, the government, the previous government had the majority but they still needed to talk to the crossbench because they are very tight numbers and whether it is 76 or 77, in this parliament would still be tight," Ms Sharkie said.

Australians are now waiting to see what Albanese and his team will do to get Australian back on track. With a large Australian debt, an ever increasing cost of living, and an interest rate looking to rise significantly over the next 12 months, Labor will have plenty of challenges on their hands as they begin their time in government.

Read More

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JUNE 2022 | FIND MANNINGHAM

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Business Interruption – AICOW (Additional Increased Cost of Working)

GENERAL INSURANCE

By Craig Anderson

Additional increases in cost of working which arise during a period of interruption to a business, can be covered under a business pack policy.

The cost of removal and relocation of stock and equipment after a shop is storm damaged for example, is additional to normal operating costs.

As it is a necessary expense incurred as a result of an insured occurrence, costs may be covered if the AICOW option is selected. An appropriate sum insured, and time period also need to be selected. Hire costs for emergency shuttering or hoardings, generator hire, or even temporary security patrol costs, to name a few items which may be covered.

Many business owners are well versed in the main Business Interruption section of their policy, and realise they are reliant on their location for passing trade. Even a temporary relocation due to a fire or

storm may cause a plunge in revenue, and so they are keen to cover their gross profit or gross revenue depending on which option is best. Due to the tendency to often overlook the AICOW costs which may be incurred as a result of a total or partial loss, the client could suffer financially. The default level of cover offered in your average business pack is usually only $25k for a year, and can be increased to meet your needs.

If your business premises could take 2 years to rebuild after a total loss, and it is necessary to relocate until the replacement building is completed, you will need to allow an adequate sum to refit other premises to meet your needs. Remember that there will be time spent on planning applications, building permits, possible problems with re-zoning, and construction delays with bad weather or supply of materials or trades.

We all imagine that if the premises we rely on for our living are destroyed, that they will be back in a year; however this

is very rarely ever the case. In fact, 2 years can be too short a period depending on size, type, location, and complexity of the building.

The simple solution is to sit down with your broker and examine your position carefully; it may just save you a load of money and heartache.

For a health check of your business insurance, contact Small Business Insurance Brokers via email: sales@ smallbusinessinsurancebrokers.com.au 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

Stolen generations payments in Vic: ATO factsheet

By Warren Strybosch

The ATO has published a fact sheet on the tax treatment of lump sums paid by the Victorian Government under the Stolen Generations Reparations Package and Stolen Generations Funeral Fund. The ATO says such payments by the Victorian Government to a Stolen Generations member are not taxable. Accordingly, these payments do not need to be shown in the tax return for a Stolen Generations member because they are not taxable.

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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

JUNE 2022 | FIND MANNINGHAM

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Vitamin D for a strong immune system

NATUROPATH

By Kathryn Messenger

The most important role of vitamin D is putting calcium into our bones. But it also has other roles such as regulating our immune systems. Vitamin D is involved in the regulation of both the innate immune system (general defence) and the acquired immune system (specific targeted defence), as well as having a role in regulating inflammation. Studies have shown that higher levels of vitamin D are associated with reduced disease, including respiratory infections.

A blood test for Vitamin D gives a reference range of 50-250 nmol/L, with the lower end of this range set in order to prevent osteoporosis (spontaneous spinal fractures). Whilst vitamin D levels above 50nmol/L does prevent osteoporosis, optimal health is found in levels between 100-150nmol/L. Our bodies make vitamin D with exposure to ultraviolet (UV) sunlight and it was around 100 years ago after the industrial revolution, when rickets (a disease of bone malformation) was found in many children of Northern Europe. These children spent most of the daylight hours inside working, but now it is estimated that almost 50% of the world’s population are deficient in vitamin D. Daily exposure of arms and hands (or

equivalent skin elsewhere) near midday is considered to produce adequate vitamin D, and emerging research shows that other health benefits come from exposure to sunlight. Being further from the equator, or having darker skin increases the amount of sunlight required to make enough vitamin D, and in Melbourne, little UV light is available in winter. Ideally, your body would make enough vitamin D from the sunlight in the summer, to get you through the following winter.

Recent research has shown vitamin D3 in the calcifediol form is more effective again as it is in a form that is easily absorbed. This is particularly true in cases of deficiency, liver damage, kidney disease, and intestinal malabsorption, as these organs are all involved in absorption, metabolism and activation of vitamin D.

Oily fish such as salmon, herring, and mackerel are the best food sources of vitamin D, and traditionally, these fish were regularly consumed by those living at northern latitudes. Cod liver oil is high in vitamin D, but it is also high in vitamin A which is toxic in high doses. Take care not to exceed the recommended amount especially if you are taking multiple supplements that contain vitamin A.

naturopath can also make a custom

If your vitamin D levels are low, supplementing through the winter can help to keep you well. But not all vitamin D supplements are the same. Vitamin D2 (ergocalciferol) supplements of plant origin were the first to be available, but this type of vitamin D is not easily absorbed. Vitamin D3 (cholecalciferol) is a form that is absorbed much more easily and if you are taking it regularly, look for a supplement that contains a low dose of vitamin K, as this will assist with absorption.

Whole Naturopathy has vitamin D3 in the calcifediol form in stock. A mix of herbs, recommend nutritional products, or homeopathy best suited to your unique symptoms.

This advice is general in nature and not intended to be prescriptive. For individualised prescriptive advice, please see a naturopath or other health care practitioner.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au

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Lift On Ban for Mad Cow Blood Donors

By Jodie Moore

These days, we often hear about diseases being passed from animals to humans. Bird flu, swine flu, even Covid-19 supposedly have their origins in animals.

Mad-cow disease however is one that has been proven as coming from cows. In cows, it is called BSE or Bovine Spongiform Encephalopathy. When humans eat meat from a cow that carries the protein that causes BSE, they have the chance of contracting the human equivalent, variant Creutzfeldt-Jakob disease or vCJD. vCJD can be contracted by eating meat, especially from the brain, spinal cord tissue and intestinal tract from cows who have the disease. It cannot be caught from drinking milk from a sick cow. It was also believed it could be transferred through donations of bodily fluids such as blood and breast milk. It is unknown how long the disease can lie dormant

but there are many who believe it could be for 50+ years. There is no way to detect if someone has the disease, no test available to test blood products. A true diagnosis can only be achieved postpartum through a biopsy of the brain.

Transmission to humans appears to be rare with just 232 people worldwide (2019), 170 of which were from the UK, having contracted the virus. The UK have continued to accept blood donations throughout this time, mainly because they would have had no one left to donate blood if they didn’t.

Recently however, the TGA, Therapeutic Goods Administration in Australia, has lifted the ban, allowing anyone who was

in the UK for 6 months or more between 1980 to 1996 to now donate blood. The ban has been in place since December 2000 and the question of when the ban will be lifted is one of the top questions received by the Red Cross Lifeblood. A team have been working for well over 12 months to gather evidence to submit to the TGA to have the ban lifted. On April 28,2022 they were successful.

Appointments for those affected by the ban won’t be available until late 2022 whilst Red Cross Lifeblood update all their systems and procedures. In the meantime, you can register here www. lifeblood.com.au/UK and be informed when you are eligible to come in.

Phoenixing – Directors Banned

By Warren Strybosch

ASIC has successful banned a Tasmanian director who engaged in illegal phoenixing for several years.

Between 2014 and 2018, Mr Robert John Walker was a director of Tazzy Tyres Wholesale, Tazzy Tyres Accessories, Tazzy Tyres Retail and Tazzy Tyres Pty Ltd. The companies provided retail sales of, and services related to tyres.

Mr Walker engaged in illegal phoenix activities, whereby he transferred the assets of indebted companies to other companies for no consideration, namely Tazzy Tyres Accessories and Tazzy Tyres.

He also failed to maintain proper financial records for all four companies.

ASIC disqualified Mr Robert John Walker of Rosetta, Tasmania, from managing companies for five years and as a resultof breaching his director’s duties for his involvement in four failed companies, has been disqualified from managing corporations for five years after engaging in illegal phoenix activity.

“At the time of ASIC’s decision, the four companies owed unsecured creditors $1,944,418 including $855,121 owed to the ATO,” ASIC said.

“In disqualifying Mr Walker, ASIC relied on supplementary reports lodged by the liquidator of the four companies, Barry Hamilton of Barry Hamilton and Associates.”

Mr Walker is disqualified from managing corporations until 2 May 2027.

Mr Walker has the right to seek a review of ASIC’s decision by the Administrative Appeals Tribunal.

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JUNE 2022 | FIND MANNINGHAM

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Single Touch Payroll (STP) – Phase 2 ATO wants you to start reporting Directors Fees

By Warren Stybosch

Single touch payroll (STP) reporting has been expanded. This expansion is known as STP phase 2.

If you a director paying yourself directors fees then you need to be aware of the new reporting requirements which started at 1st July 2021.

“Some digital service providers needed more time to update their products and have applied for deferrals, which cover their customers. This means that when you can start Phase 2 reporting depends on when your payroll product is ready,” the ATO said.

“If you haven’t already started Phase 2 reporting, make sure you ask your provider when their product will be ready if you don’t already know.”

As an employer, the ATO said it was important that employers are across the changes required, and businesses are getting ready to start phase 2 reporting.

“This includes checking if you need to make changes to payroll pay codes/ categories so they align with Phase 2 requirements and reviewing allowances you pay and how they need to be reported in Phase 2,” the ATO said.

“Businesses need to understand changes to salary sacrifice reporting and understand how to assign an income type to each payment.”

The ATO said amounts paid to closely held payees should now be reported through STP. There are concessional reporting options for closely held payees reporting that include reporting actual payments on or before the date of payment (along with your arm’s length employees).

You need to keep accurate business records that demonstrate the type of amounts you pay to your closely held payees. This will help you to determine whether you have paid amounts that you need to report in STP. If you only pay amounts that do not need to be reported in STP (such as trust distributions or loans to directors),

Some common examples of amounts you might pay to a closely held payee include:

Type of amount

STP reporting required

Salary or wages

Yes - in scope for STP

Director's fees

Yes - in scope for STP

Distributions to a beneficiary of a trust

No - not in scope for STP

Dividends paid to shareholder

No - not in scope for STP

Amounts that are loan from the business

No - not in scope for STP

then your business records should also demonstrate this.

Example Company A's directors are closely held payees. The directors draw money from the business throughout the year. When a director draws money, it is promptly recorded as a loan to that director. At the end of each month, the balance of the loan is reduced to zero by payment of a directors' fee to the director.

The transactions that are promptly recorded as a loan do not need to be reported through STP, as they are amounts that are not in scope for STP and Company A has business records which demonstrate that.

Company A has STP reporting obligations

when they pay the directors' fee at the end of each month, as directors' fees are an amount that is within the scope of STP. They need to choose one of the three methods for reporting these amounts through STP. “We have resources to help you understand the changes,” the ATO said.

“You can also seek the advice of your tax or BAS professional or payroll provider.”

See also: • • •

STP news, events and resources, including the expanding single touch payroll (phase 2) fact sheet Employer STP phase 2 checklist Small employers – closely held (related) payees

JUNE 2022 | FIND MANNINGHAM

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www.findmanningham.com.au

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.

WARREN STRYBOSCH Find Group The founder of the Find Group of companies draws on his diverse background, which ranges form teaching, to serving in the army, to taxation and accounting, to coach and help clients live their best financial lives. A multiaward winner, Warren’s innovative approach in business means he was a champion of virtual financial advice long before the pandemic. Warren established the Find Foundation, which owns and operates across Victoria.

TOP 50 MOST INFLUENTIAL FINANCIAL ADVISER IN AUSTRALIA The financial advisers featured in this guide are a diverse group: some specialise in responsible investment advice, some provide financial advise to specific professions, and some focus on addressing market gaps, mwith several finding themselves on the list for the very first time. But they all have one thing in common: they all wield influence that can create the blueprint for the future of financial advice in Australia. Not all of them are faniliar names but just because they are not making a lot of noise doesn't mean they are not making waves.

Meet our Power 50.

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JUNE 2022 | FIND MANNINGHAM

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ASIC takes Online influencer to court

By Warren Strybosch

In our April edition we wrote about the new laws surrounding influencers; notably, that ASIC has warned social media influencers that they may face substantial risks and penalties if they promote financial products and services online.

different share trading accounts, held in the names of friends and relatives, to manipulate the share price of 20 different listed stocks.

or a fine of up to $765,000, or both.

ASIC has previously warned about social media led ‘pump and dump’ campaigns.

Recently, ASIC has taken an influencer to court and they have been convicted of charges under s1041D of the Corporations Act, in relation to their online posts on HotCopper.

“ASIC continues to act against this form of market manipulation that threatens the integrity of markets. Posting on social media to coordinate ‘pump and dump’ activity in listed stocks is an offence under the Corporations Act,” the corporate regulator stressed.

ASIC is serious about stopping influencers posting ‘general advice’ via social media in relation to financial products and services. Stating you are providing the advice under the guise of ‘general advice’ or that you are doing so as a ‘financial counsellor’ will also not suffice.

If you do not hold the appropriate financial planning qualifications and/ or have an Australian Financial Services Licence, then you should not be providing this type of advice. Not only does this apply to influencers but also to mortgage brokers selling personal insurances and accountants providing superannuation advice.

In a statement issued by the corporate regulator, it confirmed that on 6 June 2022, Gabriel Govinda, known online as Fibonarchery, pleaded guilty to 23 charges of manipulation of listed stocks on the Australian Securities Exchange and 19 charges of illegal dissemination of information relating to the manipulation.

ASIC found that between September 2014 to July 2015, Mr Govinda used 13

It also noted a concerning trend of social media posts being used to coordinate ‘pump and dump’ activity in listed stocks, which may amount to market manipulation in breach of the Corporations Act. Mr Govinda faces a maximum penalty for each charge of 10 years' imprisonment

In March 2019, the maximum penalty for these offences was increased to 15 years.

ASIC has provided enough warnings to all of these groups and now are pursuing them in court.

Company Tax Rates are changing but not everyone is eligible.

Did you know that reduced tax rates may be available to eligible entities? These include companies, corporate unit trusts and public trading trusts.

If your company is a 'base rate entity', your company tax rate is 25% from the 2021–22 income year onwards.

For your company to be a 'base rate entity', it needs to meet the following eligibility criteria: • • •

Your aggregated turnover for the income year is less than the aggregated turnover threshold (which is $50 million from the 2018–19 income year onwards, or $25 million for the 2017–18 income year).

If your company earns passive income, it cannot exceed 80% of the company's assessable income in that income year. Passive income can include: corporate distributions and their franking credits; royalties and rent; most income from interest; gains on qualifying securities; and a net capital gain.

The full company tax rate of 30% applies to all companies that are not eligible for this lower company tax rate.

The rates are different for previous years and different rules apply.

Go to https://www.ato.gov.au/rates/changes-to-company-tax-rates/ to learn more.

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Don’t Double Dip Your Deductions This Tax Time ACCOUNTANT

By Warren Strybosch

The Australian Taxation Office (ATO) is reminding people not to make the mistake of double dipping their deductions in their tax return this year.

Assistant Commissioner Tim Loh explained “Around 8.4 million Australians claimed nearly $19.8 billion in workrelated expenses in 2021. That’s a lot of deductions so we want to make sure you get it right the first time. It’s important you claim what you’re entitled to – no more, no less.”

When people prepare their tax return, it’s important to remember the rules for claiming different types of workrelated expenses. What can be claimed depends on the type of job, individual circumstances, and whether there are the required records to support the claim.

“While some people make genuine mistakes, we do see people trying to gain an unfair advantage by claiming incorrect or false expenses. A mistake that we often see in tax returns is people claiming expenses twice.”

“You wouldn’t double dip your chip, so don’t double dip your deductions” Mr Loh said.

“Remember, we use sophisticated data analytics to monitor for incorrect information and you risk being audited or penalised for deliberately providing incorrect information.”

Below are some ‘double dipping’ mistakes the ATO sees when people lodge their tax returns each year.

Working from home expenses and the shortcut method “One in three Aussies claimed working from home expenses in their tax return last year and we expect this trend to continue” Mr Loh said.

A common mistake we see is people using the working from home shortcut method to claim their working from home expenses and then double dipping, claiming additional amounts in their return for expenses such as their mobile phone and internet bills, as well as the decline in value of equipment and furniture.

When the working from home shortcut method is used to claim working from home expenses, it is all-inclusive.

There are three methods available to claim a deduction for working from home expenses depending on individual circumstances, the shortcut, fixed rate and actual cost methods. The method that gives people the best outcome can be used, as long as the eligibility and record-keeping requirements for their chosen method are observed.

Taxpayers can use the home office expenses calculator to help them work out which method will give them the best outcome.

“While the traditional methods require receipts, paperwork and other record keeping, the shortcut method only requires a record of hours worked – diary entries or timesheets will suffice,” Mr Loh said.

When claiming working from home expenses using the shortcut method, the amount needs to be included at the Other work-related expenses question in tax returns with ‘COVID-hourly rate’ in the description field.

If a method other than the shortcut method is used in later years and you want to claim depreciation for an expensive purchase such as a laptop, the correct records for that item must be kept.

“Getting your tax return right is simple if you have the right records. Make sure you have your records before you lodge your tax return and keep your records after you’ve lodged, in case we have

any questions. The easiest way to keep track of your records is with the ATO app” Mr Loh said.

“Even if you choose to lodge your tax return with a registered tax agent, it is still your responsibility to make sure the agent has all the correct records” explains Mr Loh. Car expenses Nearly 3 million people claimed workrelated car expenses in 2021 and one of the most common mistakes was people using the cents per kilometre method to make their claim, and then double dipping by claiming expenses separately such as fuel, car insurance, and registration.

The cents per kilometre rate is allinclusive and covers decline in value, registration, insurance, maintenance, repairs, and fuel costs. These expenses can’t be added on top of the rate when calculating deductions.

The ATO will also be taking a closer look at claims calculated using the logbook method, to ensure they reflect people’s circumstances coming out of the pandemic.

“You must choose your preferred method when calculating car expenses, the cents per kilometre or the logbook method. Just because there is a dip in the road, doesn’t mean you can double dip your car expenses” Mr Loh said.

Reimbursed expenses Finally, the ATO is making sure taxpayers aren’t claiming expenses where they have already been reimbursed by their employer.

“If your boss has reimbursed your drycleaning costs for your uniform, but you then claim laundry deductions on your tax return, well you’re picking your neighbours’ pockets” Mr Loh said.

For more information visit ato.gov.au/ deductions [Source: ato.gov.au]

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

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

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require extra attention on these cold days. Pay attention to the way your pet behaves. Are they moving slower than usual, seeking out warm places more, shivering or trembling? These are signs your pet is feeling the cold and may need additional bedding, a coat or more shelter.

Pets Feel The Cold Too

If your pet has access to a heater or fireplace though, you will need to pay attention to their skin as it can dry out if they are too close to a heat source or may even burn.

By Jodie Moore

Winter is officially here. And with it comes the chilly nights, snuggling down with your favourite blanket in front of the heater to stay warm.

As a pet owner, you will already be thinking about their needs, wanting them to be as healthy and happy as possible.

But with winter here, it can be easy to get it wrong. Your natural inclination is to stay inside where it is warm and dry, and whilst that is important for your pet as well, it is just as important for them to still get outside for some fresh air and, particularly for dogs, a good run around.

Timing is important though. Early morning or late evening runs may be too cold for most pets. Just because your pet has fur doesn’t mean they can stand the colder weather. Animals acclimatise to warmer weather and indoor living just as people do.

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Small pets such as rabbits and guinea pigs, older pets, pets with short coats, pets with conditions such as arthritis, all require extra attention on these cold days. Pay attention to the way your pet behaves.

Are they moving slower than usual, seeking out warm places more, shivering or trembling? These are signs your pet is feeling the cold and may need additional bedding, a coat or more shelter. If your pet has access to a heater or fireplace though, you will need to pay attention to their skin as it can dry out if they are too close to a heat source or may even burn.

Small pets such as rabbits and guinea pigs, older pets, pets with short coats, pets with conditions such as arthritis, all

Keep an eye on your pet’s diet as well.

They may want to eat more as they can burn up a lot of energy keeping themselves warm but, especially if your pet is indoors most of the time, you don’t want to over feed them either and then have to try and get rid of their ‘winter weight’ next spring. Ensure they have access to plenty of fresh sources of water and check any that are kept outside regularly in case they freeze up and your pet is unable to drink it.

If you regularly groom you pet, it is important to maintain that routine to avoid fur that gets overgrown and matted. You may not want to trim it as short as normal, but a regular groom will keep your pet in top condition.

All pet owners understand the joy a pet can bring. By following these simple guidelines, your pet will thrive during the colder months.

SUPER GUARANTEE CHANGES TO TAKE AFFECT 1ST JULY 2022 Employers are reminded that from 1 July 2022, that all employees can be eligible for super guarantee (SG), regardless of how much they earn.

The $450 per month eligibility threshold related to SG has been removed and so every dollar earned will now attract SG. However, employers need only to pay super for workers under 18 when they work more than 30 hours in a week.

The ATO also reminded employers that the SG rate will also increase from 10% to 10.5% on 1 July 2022. As a result, employers will need to use the new rate to calculate super on payments made to employees on or after 1 July, even if some or all of the pay period is for work done before 1 July.

JUNE 2022 | FIND MANNINGHAM

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www.findmanningham.com.au

Personal Insurances: What is it and are you wasting your money on it?

FINANCIAL PLANNING

By Warren Strybosch

Last year I met with a couple who were in the early fifties. They wanted to review their financial situation to make sure they were on the right track leading into retirement. As part of their pre-retirement planning, we had to review their personal insurances. Whilst this was not an area, they had considered needing reviewing, it is an important part of their planning to get right. Why? Simply put, insurances cost money. It is either being paid for out of cash flow or it is being paid for from superannuation. At the end of the day, your personal insurances premiums will have an impact on how much you will have in retirement. On the flip side, if you don’t have enough insurances in place and you suffer an illness and/or injury, you might have to sell some of your assets to help cover future costs or the loss of income because of sustaining a said injury or illness. The loss of assets prior to retirement can have a devasting impact on one’s future retirement aspirations.

My analysis of the couple’s situation was that, whilst they had enough assets e.g., two investment properties and plenty of superannuation, they still should consider holding on to their Income Protection at the very least. They had discussed cancelling all of their insurances as they did not feel the need to hold on to it anymore; after all, they had two investment properties.

During my review, I referred the clients on to a mortgage broker to refinance their investment loans.

Whilst they were refinancing their loans, even the mortgage broker encouraged them to hold on to their income protection and life insurance until they either had paid off their loans or had reach retirement age.

The outcome, the couple believed they could self-insure and made the decision to cancel all their insurances.

Selfinsure, as it states, is where you decide to use your own assets or have a plan in place to cover any future insurable costs without the need to rely on any insurance – basically, they were going alone on this.

Unfortunately, for the couple, strategy struck. Two years later, the wife was

diagnosed with terminal cancer. The couple had to sell both investment properties to help cover medical bills and the associated costs of trying to battle the horrible disease. They ended up losing all their assets they had built up during their working life. It was horrible to watch her struggle with the cancer and it was made worse that they were now worried about their future livelihoods.

A few years back, a different client, that I had inherited from another financial advisor, rang me up and wanted to cancel all his insurance cover immediately. The male client, in his sixties, was very irate and accused me of not helping him last year when he had suffered a mild heart attack. Given the insurer told him recently he was not entitled to a payout, he told me what he thought of me and what I could do with the insurances.

I acknowledged he was upset, apologized for my lack of service that I provided to him last year (even though I could not recall speaking to him) and proceeded to ask him a few questions. I learned he had undergone surgery and had a stent put in one of his arteries. Whilst I was talking to him I looked up his policy and discovered he had income protection in place and trauma plus cover.

I asked the client if I could enquire with the insurer on his behalf because I felt that he might be able to put a claim in.

The client was incredulous that I believe he might be entitled to something. He was angry and reiterate the claim had already been denied. I explained that I felt he might be entitled to a part

payment and that his income protection might also come into play. He admitted he had not enquired about the income protection but was very dubious about the part trauma payment. Even though he was not impressed with me he allowed me to make some enquires on his behalf. We agreed I would call him back as soon as I heard something.

I rang the insurer and enquired about his heart attack and whether a full claim was payable. The insurer had his information on file and as they had explained to the client, he was not entitled to a trauma payment. I then proceeded to ask about a partial payment because of the ‘trauma plus’ part of the policy. Ironically, the insurer did not pick up that he had ‘trauma plus’ and agreed that under ‘trauma plus’ the client might be entitled to a part claim. I then enquired about his Income Protection as well, and sure enough, the client had never made a claim under his Income Protection even though he had many months off work due to his heart attack.

I rung the client back up and explained what I had found and that not only did I believe he would be entitled to a partial payment, but I also felt he might be entitled to an Income Protection claim.

The client was still annoyed and thought I might be making all of this up but was willing to go along with the process – he did not want to take the chance of missing out in case I might be right.

To shorten this story, the end result was that the client was not entitled to one partial trauma payment but in fact two

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partial trauma payments as he had two stents put in at over a period of 12 months. Also, he was entitled to many months of Income Protection payments.

The result was that he received well over $200,000 in payments. A year later, he had another heart attacked and received the full trauma payout resulting in another $250,000 in payments.

To my surprise, after several conversations with him, the client admitted that he had never spoken to me in the past and had only dealt directly with the insurer. I was relieved because I make it my point to try and look after clients who are going through a trauma event. I am now invited to pop in anytime to visit him and his family. I could bring up many more stories related to personal insurances.

My intention here is to highlight the

importance of having personal insurances or at least the right amount of cover in place. Also, having a financial advisor, who has had experience in this space can not only save you money but may be able to help you at claim time get what your entitled too.

Over the proceeding months I will go through the four main personal insurances: Income Protection, Trauma Cover, Life cover and Total and Permanent Disability.

I will talk about the pros and cons of having each type of cover and hopefully help you to, at the very least, give some thought as to whether you need to make any timely changes to your own personal insurance. After all, you might be wasting your money, or you might be risking your money in the future. You won’t know until you take a look.

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This information is current as at June 2022. 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, Alliance Wealth 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.

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

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

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

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

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

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

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

Commonwealth Seniors Health Card: increase in income threshold Both Labor and the Coalition have announced that they will increase the income test threshold for the Commonwealth Seniors Health Card (CSHC) from 1 July 2022. The Prime Minister said the CSHC income test threshold for singles will be increased from $57,761 to around $90,000 (and from $92,416 to $144,000 for couples). The Opposition Leader said Labor would also widen eligibility for the CSHC in line with the Government’s announcement.

JUNE 2022 | FIND MANNINGHAM

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2022 TA 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

•

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

•

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.​

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

AX UPDATES Queensland COVID-19 business grants and assistance In its response to the current COVID-19 lockdowns across August 2021, the Queensland Government implemented support grants for businesses across the state. The support packages were jointly funded by the Commonwealth and Queensland governments. Grants of up to $15,000 were available to eligible small and medium businesses across all industries. Support payments of up to $30,000 were available to large hospitality and tourism businesses impacted by the border closure. Applications for this grant closed in November 2021. A recent announcement by the federal government makes the 2021 COVID-19 Business

Announced: 8-Apr-2020 Updated: 8-Apr-2022

Support Grant non-assessable non-exempt income. A COVID-19 cleaning rebate of up to $10,000 is still currently available for eligible small and medium businesses and not for profit organisations. Applications for the cleaning rebate are available until 30 June 2022.

Apprentice wage subsidy programs All eligible businesses who employ an apprentice between 5 October 2020 and 30 June 2022 are eligible to receive a 50% wage subsidy. The wage subsidy is available for 12 months from commencement of employment. The maximum available subsidy is $7,000 per quarter per apprentice. This wage subsidy is a stimulus payment announced to effectively boost employment for young people and help businesses transition away from the COVID-19 downturn. These payments will be received via the Australian Apprentices Incentives Program. This program currently services employers by providing cash payments when apprentices meet certain targets. Another program for apprentices that was in place prior to 5 October 2020 dealt with keeping apprentices employed (as opposed to employing new apprentices). These subsidies

Announced: 12-Mar-2020 Updated: 12-Apr-2022

were to combat rising unemployment and an expected economic downturn due to COVID-19. The wage subsidy was based on which apprentices remained in employment with their employer on 1 March 2020 and 1 July 2020. Originally, only small business employers were eligible to participate. From 1 July 2020, the government extended the measure to include medium-sized businesses. The original wage subsidy commenced for employers from 1 January 2020 and ran through to 31 March 2021.

Temporary fuel excise cut and fuel tax credits Excise and excise-equivalent customs duty that applies to petrol and diesel will be temporarily reduced by 50%.

Announcement(29-Mar-2022)

The reduction of the fuel excise will be in place for 6 months, beginning at 12:01am on 30 March 2022 and

Consultation

ending at 11:59pm on 28 September 2022.

Introduced(30-Mar-2022)

The new temporary excise rate of 22.1 cents per litre will bring excise below the road user charge for businesses who claim fuel tax credits.

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

Queensland COVID-19 business grants and assistance Minimum drawdowns for superannuation pensions have been halved again for the 2022–23 income year.

This extension means that the reduction of minimum drawdowns will be available for self-funded retirees from 1 July 2019 through 30 June 2023.

Announced: 22-Mar-2020

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

recent volatility in financial markets, and

•

prevailing low interest rates on their retirement savings.

Updated: 12-Apr-2022

JUNE 2022 | FIND MANNINGHAM

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JUNE 2022 REALESTATE

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Manningham Serving Country in Manningham

Photographic exhibition, Serving Country, has opened at Manningham Art Gallery.

Serving Country recognises and acknowledges the valuable contribution of First Nations servicemen and servicewomen who have served, or are serving, in the Australian Defence Force.

Serving Country is the collaborative work of Sydney-based human rights social documentarian and Creative Director of Blur Projects, Belinda Mason, and videographer, Dieter Knierim. There are currently over 200 photographed portraits printed on brushed aluminium panels in the collection. Of the collection, 52 of portraits are included in the Manningham Art Gallery exhibition.

Manningham Mayor, Cr Michelle Kleinert said that she is proud that Manningham can share this important exhibition.

“I encourage everyone in the Manningham community to visit the gallery to see these moving photographs and learn more about the First Nations servicemen and servicewomen who are shown in them.”

“We are particularly pleased to be able to offer this exhibition as part of our National Reconciliation Week program. We all have a role to play when it comes to reconciliation. Learning about the experiences and achievements of some of these First Nations servicepeople can be an important step in our journey to reconciliation.”

The Serving Country photographic exhibition shares the lived experiences of First Nations families and individuals who have

proudly served and continue to serve in Australia’s Defence Force. Many returning veterans are still living with the trauma of their experiences in the battlefield. Serving Country serves as a platform for sharing stories, both inspiring and devastating, of courage and mateship. Sharing these stories plays a vital role in healing in Australian First Nations culture.

Two of the participants, Aunty Lorraine and Uncle Col shared some of their thoughts: •

•

Aunty Lorraine: “To serve in the Australian Regular Army for one’s country is an honour and it has been a privilege and one that I am extremely proud of. My Journey although long and challenging has been extremely rewarding. You never know how strong you are until you are faced with challenges through adversity.”

Uncle Col: “Never let the fear of failure prevent you from succeeding.”

More information about the Serving Country exhibition can be found at manningham.vic.gov.au/serving-country Exhibition details Manningham Art Gallery Until 18 June 2022 687 Doncaster Road, Doncaster Open Wednesday – Saturday, 11am – 4pm FREE Warning: First Nations Peoples should be aware that this exhibition contains images, voices, or names of deceased persons.

Council News JUNE 2022

Representing the Manningham community Manningham Council has endorsed the membership of four community advisory committees.

Members of the committees will work with Council to create a more inclusive, respectful, equitable and healthy community.

Members of the advisory committees are: Health and Wellbeing Advisory Committee members

Gender Equality & LGBTQIA+ Advisory Committee members

• Fiona Read • Christina Davidson • Kevin Gregg-Rowan • Vanessa Czerniawski • Kalli Taifalos • Brianna Myors • Sahar Gholizadeh • James Grima • Jian Wang • Artemis Evangelidis

• Britt Hulbert • Jenny-Maree Kardaras • Denni Egan • Sally Goldner AM • Thomas Hoffman • Isabella Roxburgh • Felicity Marlowe • Capella Henderson • Elham Naeej • Jack Plant

Multicultural Communities Advisory Committee members

New Disability Advisory Committee members

• Sabeen Munawar • Jane Brierty • Iresha Buthgamuwa • Saskia Koops • Deepak Joshi • Kam Razmara • Michelle Lim • Fareha Hafeez • Fathima Saarah Ozeer • Gurpreet Miglani

• Effie Frasca • Aunty Irene Norman • Heather Liesis

New Disability Advisory Committee (MDAC) members will join existing MDAC members: Anna Wright, Asherly Bradac, Carolyn Vimpani, Catherine Morris, Cathy Townsend, Christopher Tsiopelakos, Francis Chan, Gary Connor, Hayden Heatherington, Janice O’Connor, Nakisa Malakooti and Simone Pilens.

Manningham Mayor, Cr Michelle Kleinert thanked the advisory committee members for their commitment to wanting to help make Manningham a better place.

“Council is looking forward to meeting all of the advisory committees. The members will make an important contribution by informing decision making and priority setting.”

“This is an exciting time for engaging with our diverse communities. We are looking forward to receiving advice and feedback from these groups so that we can better meet the needs of all.”

Each Advisory Committee will meet four times a year, with the first meetings planned to occur in July.

JUNE 2022 | FIND MANNINGHAM

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Manningham Have your say on the Manningham Planning Scheme Review Manningham City Council is reviewing the Manningham Planning Scheme and wants your input.

The Planning Scheme guides the use, development, and protection of land in Manningham. It includes written policies, as well as maps showing where zones and overlays apply across the municipality.

The Scheme is made up of many planning policies and controls that are set by the State Government. This review seeks to identify changes to the planning scheme associated with the provisions that Council is able to influence.

The Planning Scheme includes the following key themes: • • • • • •

Residential/ neighbourhood character Environment/rural areas Activity Centres Employment Heritage, arts, cultural and leisure Transport and car parking

All Victorian local governments are required to review their planning scheme every four years under the Planning and Environment Act 1987. In particular, feedback is sought about:

• • •

What aspects of the Planning Scheme are working well?

What aspects of the Planning Scheme need improving?

What is missing from the Planning Scheme?

Manningham Mayor, Cr Michelle Kleinert, says “I encourage everyone in the community to get involved. Now is the time for your input to help shape our future directions for the planning scheme.”

“Any proposed changes to the Planning Scheme requires approval from the Minister for Planning. We will continue to advocate on behalf of our community to reflect their values and needs.”

Manningham residents and other interested parties are invited to a drop-in session on Thursday 9 June between 4pm and 7pm at the Manningham Civic Centre, 699 Doncaster Road, Doncaster. You can also provide feedback via an online survey.

All feedback on the planning scheme is required by Monday 20 June 2022.

For more information on the Planning Scheme Review and to take part in the on-line survey, visit yoursay.manningham.vic. gov.au/planning-scheme-review

New animal management plan for Manningham Manningham Council adopted the Domestic Animal Management Plan 2022-2025 at its meeting last night.

The plan incorporates feedback from the community concerning the protection of cat and dog welfare. It also seeks to improve the amenity and safety of our community.

Key priorities of the plan that address issues and suggestions identified by the community included in the plan include: • Dogs off lead/not under owner control, • Dog waste, • Dogs barking, and • Wandering cats.

The plan will include a trial of a cat confinement program. Cat owners will be required to keep their cat/s within their property boundaries 24 hours each day.

The trial cat confinement program will provide benefits to cats, cat owners and the community. Benefits include: • • •

Protecting cats from the risk of injury from other animals, people and vehicles, Reducing disputes between neighbours caused by wandering cats, and Protecting our wildlife from attacks and damage by cats.

Manningham’s unique natural environment provides a sanctuary to 56 threatened animal species.

Manningham Mayor, Cr Michelle Kleinert said that pets are a valued part of life for many people in the community.

“There are over 13,000 registered pet dogs and cats in Manningham. This plan focuses on responsible pet ownership and will help to keep pets in our community happier and healthier.”

All Councils across Victoria need to develop a Domestic Animal Management Plan every four years. This is a requirement under the Domestic Animals Act 1994.

To view the DAMP, visit manningham.vic.gov.au/new-animalmanagement-plan-adopted

Council News JUNE 2022

Council endorses proposed 2022/23 Budget We’re delivering for our community with an operating budget of $138 million to deliver more than 100 valuable services for our community.

The proposed 2022/23 budget and 10-year Financial Plan was endorsed for community feedback at last night’s May Council meeting.

Manningham Mayor Cr Michelle Kleinert said she is looking forward to seeing the community response on the proposed budget and 10-year Financial Plan.

“This budget delivers on what the community has asked for.

In it we are building a better Manningham, taking action on important issues and planning for the future,” said Cr Kleinert.

The proposed budget has been developed following significant community engagement. It considers input from last year’s community panel which guided our Community Vision, Council Plan, 10-year Financial Plan and our Revenue and Rating Plan. We also held further budget specific consultation in late 2021 where the community was able to submit ideas.

The proposed 2022/23 budget aligns with the themes of our Council Plan and delivers on the actions

• • • • •

$37.7 million for a Healthy Community $19.3 million for Liveable Places and Spaces $20.3 million for a Resilient Environment $4.1 million for a Vibrant Prosperous Economy $26.5 million for a Well Governed Council

The proposed budget has considered the financial impact on our rate payers. The average general rate increase will be lower than inflation and in line with the State Government’s rate cap of 1.75%. Fees and charges are also proposed to remain below inflation.

“Financial pressure on our community remains high as inflation rises and costs increase. We are determined to do our part to keep our costs low while still delivering improvements for our community,” said Cr Kleinert.

The 2022/23 budget and 10-year Financial Plan is now available to view and for the community to provide feedback.

“We are pleased to endorse the proposed budget, and I encourage all our community to have your say,” said Cr Kleinert.

The proposed 2022/23 budget and 10-year Financial Plan are available via, yoursay.manningham.vic.gov.au/2022-23budget.

JUNE 2022 | FIND MANNINGHAM

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Manningham

The Monster Community Raffle returns with the Templestowe Bowling Club After an incredible fifteen-year stint partnering with the Kiwanis Club, Manningham Council welcomes the Templestowe Bowling Club as its new partner to deliver the Monster Community Raffle this year.

“Templestowe Bowling Club is the oldest Bowling Club in Manningham, and we celebrate our 75th Anniversary in 2023.

The timing of the Monster Raffle partnership with Manningham Council is most appropriate, and we hope to remain partners for many years to come.” Said Club President, Eric Virgona.

In addition to providing bowling facilities, one of our core values is to engage with our local community, encouraging persons of all cultural backgrounds and abilities to foster a facility where multiculturism is a core component. We are delighted to provide our well-credentialed administration for this raffle that supports our community.“ said Mr Virgona.

The Monster Raffle is iconic in Manningham. Offering a massive $10,000 worth of prizes, the raffle allows our community organisations and groups to raise a significant amount of money for their members and Manningham’s disadvantaged communities.

Each year Council partners with a local organisation to deliver the raffle and is very grateful for the Templestowe Bowling Club stepping up to help.

“We simply can’t run this initiative without a partner, and we’re so grateful for the Templestowe Bowling Club. They’re

volunteering a lot of time and effort to support an initiative that always provides so many benefits to our community”, says Mayor Cr Michelle Kleinert.

Last year, 27 clubs participated in the raffle raising $34,000, with 100% percent of the proceeds going back into the community.

Of this, 75% of the sales go straight back to the organisation that sold the tickets. The remaining 25% is donated to the Manningham Community Fund to support activities through Community Fund Grants.

This year, the Community Fund aims to support initiatives for: • • • • •

Homelessness and affordable housing Healthy and resilient communities Education and employment Diversity and inclusion Environment and sustainability

The raffle will be drawn on Thursday, 8 September 2022, at the Templestowe Bowling Club. The draw will also be available through a Facebook Livestream.

Community organisations can find out more and order their raffle ticket booklets online through Council’s website. Tickets can be sold between 18 May and 30 August 2022.

For further information, go to manningham.vic.gov.au/news/ monster-community-raffle.

Council News JUNE 2022

Multicultural Dance for Wellbeing This unique, fun 6-week dance program is designed to engage the mind and body to improve and enhance mindbody health. This is an adult/open program for all genders.

Participants are encouraged to attend all 6 sessions.

Multicultural dance for wellbeing is based on the principles of neuroplasticity and the proven benefits of dance.

This 6-week program incorporates breathing techniques to calm the mind, and an exercise routine to develop strength, flexibility and fitness of the body. It also includes creative dance and music from different cultures to create a space to express yourself, as well as providing opportunities to make new social connections.

No previous dance experience is required.

Instructor: Anjali Sengupta

Mental Health First Aid course for sporting clubs Manningham City Council has partnered with Richmond Institute to deliver Mental Health First Aid training to volunteers of Manningham sport and recreation clubs.

Using practical, evidence-based action plan, this mental health first aid (MHFA) course equips people with the knowledge and skills to recognise the signs and symptoms of mental health problems, and assist someone who is developing a mental health problem or experiencing a mental health crisis.

This opportunity is available for two people per club.

The Blended Face to Face course is made up of two components: 1.

eLearning online modules (3-4 hours completed prior to workshop)

1.

Face-to-face workshop (4 hours)

It is strongly encouraged to have completed the e-Learning modules prior to the face-to-face session as this session will present scenarios and activities that apply these learnings.

Topics include: • Mental Health in the Community • Anxiety • Depression • Psychosis • Substance use • To register, speak to your club and then get in touch with our Recreation Participation Officer.

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What’s On?

Free •

Art Exhibitions

Serving Country Sunday, 11 June 2022 11:00am to 4:00pm Manningham Art Gallery

Free to those eligible under the National Immunisation Schem •

Immunisation Sessions

Immunisation sessions in Warrandyte Tuesday, 14 June 2022 10:00am to 12:00pm

Free •

Chatty Cafe at Living and Learning at Ajani Tuesday, 14 June 2022 10:00am - 12:00pm Ajani Centre

Arts, Theater and Music

Re:SPECT - Art theraphy Tuesday, 14 2022 10:00am - 12:00pm MC Square Community Centre

What’s On?

Free to those eligible under the National Immunisation Scheme • Immunisation Sessions

Free •

Arts, Theater and Music

S.T.A.R. Kids

Immunisation sessions in Wonga Park Tuesday, 14 June 2022 10:45am to 11:30pm Wonga Park Hall

Free •

Health and Fitness

GO Soccer Mums Program Tuesday, 14 June 2022 7:00 pm to 8:00 pm Donvale Reserve

Tuesday, 14 June 2022 4:00 to 6:00pm MC Square Community Centre

•

Health and Fitness

The Men’s Table - Celebrating Men’s HEalth Week Wednesday, 15 June 2022 11:00am to 4:00 pm

JUNE 2022 | 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

Doncaster

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

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

Doncaster New in cinemas: This winter’s must-watch movies Village Cinemas, Level 2 There’s nothing like seeing a movie on the big screen - perfect for any occasion whether it’s your first date or one of many, a catch up with the whole crew, or a fun day out with the kids, there’s something for everyone. Pick from the many must-watch movies on this list and strap in with a bucket of popcorn (and maybe a choc top too).

Village Cinemas Today 11:00am-9:30pm Next to Rebel Sport

Just booked a trip? These packing lists are a game-changer Planning a holiday to make the most of the newfound freedoms?

Get ready for your winter break with our easy packing lists.

Whether it’s a sunny trip to warmer shores abroad or a snowy filled scenic break, once you’ve decided, it’s packing time!

We’ve pulled together some handy checklists for both types of holidays, so you won’t forget the essentials.

For the flight and beyond If you’re travelling abroad on a long-haul flight, we have all the kit you need to make it as easy and relaxing as possible.

David Jones: Recycle instore with Beauty Cycle David Jones, Ground floor Did you know that beauty packaging can be a challenge to recycle? Most items have packaging that is made up of numerous materials resulting in it being not accepted in kerbside recycling.

That’s why, at David Jones, we offer BeautyCycle, a specialised beauty packaging recycling program that recycles what can’t be put into the kerbside recycling bin. This way, valuable materials aren’t lost to landfill but can be recycled to make new products.

Transforming the way we think about waste so materials stay in use out of the environment.

JUNE 2022 | FIND MANNINGHAM

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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.

LIFESTYLE

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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.

www.findmanningham.com.au

JUNE 2022 | FIND MANNINGHAM

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RETIREMENT

By Warren Strybosch

The reduction in the superannuation drawdown rate for another 12 months will enable retirees to cope better with the volatility in investment markets, SMSF Association deputy chief executive Peter Burgess says.

The Morrison government first introduced a reduction in the minimum annual payment required for account-based pensions, annuities and market-linked pensions during the pandemic in 2020.

However, as many retirees and SMSFs continue to be hit by losses in financial markets the government has extended the measure for 12 another 12 months.

For clients with APRA-regulated funds, Mr Burgess said it was worth keeping an eye on any communications the client received from the fund explaining how they would apply the measure.

“Planners will need to work with their clients to determine whether the minimum pension still meets their client’s income needs,” he said.

“In most cases, where you have previously chosen the minimum pension amount, the fund will automatically

Minimum pension drawdown rates for FY 22-23 provides relief to retirees. apply the 50 per cent reduction, so it’s a matter of assessing whether [it] still meets their needs with regards to cost of living pressures and the like.”

While this recent announcement is simply an extension of the current temporary rules, to ensure the optimal outcome for clients, it is important to understand that the legislation halves the drawdown rates themselves.

For example, the normal 5 per cent drawdown factor for the recipient of an

account-based pension aged 65–74 is now 2.5 per cent.

It is important for pensioners to make sure they do not fail the minimum draw down pension rules, especially those who operate their own SMSF. If a client requires more than the minimum, then they will need to notify their advisor or the pension provider that they will require a fixed amount rather than the minimum drawdown amount set by government.

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

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FIND MANNINGHAM | JUNE 2022

www.findmanningham.com.au

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

Here are the steps involved: 1. Email to returns@findaccountant.com.au requesting your PAYG return to be completed. Provide us with your full name, D.O.B and address.

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

3. You will be then sent a tax checklist to complete online. Takes less than 5 minutes.

4. We will then require you to upload your documents to our secure portal.

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

6. We will email you the completed return with our invoices. Once you sign the return and pay the invoice we will lodge the return on your behalf.

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

INDEX PROFESSIONAL SERVICES • • • • • • • • •

Find Accountant ----------------- 5 Financial Planning ------------- 11 Mortgage Brokering ---------- 9 Architect ------------------------------ 00 Bookkeeping ---------------------- 00 Editor|Copywriter --------------- 00 General Insurance ------------ 00 Life Coach -------------------------- 00 Signages ----------------------------- 00

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

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

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

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

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PROFESSIONAL SERVICES

PROFESSIONAL SERVICES HELPING TO PROTECT YOU AND YOUR FAMILY At Find we can help you find the ‘right’ personal insurance. Our aim is to help you obtain and retain the personal insurances that are appropriate for you and at cost that you can afford.

Personal Insurances Include: • Income Protection (IP)

• Trauma Insurance or Critical Illness Insurance

• Life Insurances or Death Cover

• Business Expense Cover

• Total and Permanent Disability (TPD)

• Child Trauma Cover

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 www.findinsurance.com.au

248 Wonga Road, Warranwood VIC 3134 1300 88 38 30

Find Wealth t/as Find Insurance Corporate Authorised 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

• Caravan

• 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:

Visit Us Here

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 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

CRAIG ANDERSON GENERAL INSURANCE

0418 300 096 | sales@heightsafetyinsurancebrokers.com.au

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.

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

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Consider joining the Find Manningham Network group.

If you have any questions, contact Warren on

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editor@findmanningham.com.au

INDEX PROFESSIONAL SERVICES

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

ADVERTISE HERE

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HOME & GARDEN

BUSINESSES Do you provide Home and Garden services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

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

ADVERTISE HERE

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HEALTH & BEAUTY

BUSINESSES Do you provide Health and Beauty services in the Manningham region?

If you have any questions, contact Warren on

Warren Strybosch 1300 88 38 30

editor@findmanningham.com.au

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 JUNE 2022 | FIND MANNINGHAM

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PAGES

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 characters which define and distinguish it.

One such character at Donvale is Walter Anthony (Wally) Cerato (Pictured) He was born on 1st March 1956 in Australia to Italian immigrants.

His dad moved out to Australia in 1947 to start a new life away from the poverty and hopefully the new opportunities Australia was to offer.

“When my father made enough money he sent for my mother, a small problem existed they had to be married, this they did by proxy, settling in Bulleen… where all good Italians lived”.

Wally spent the early years of his life in and out of hospital, as his health improved, so did his life.

He attended Saint John’s in Heidelberg and then Saint Clements in Bulleen, reflect on the challenges, he could not speak fluent English until grade 3 (many regrettably believing he still has problems in that area). He attended Secondary School at Box Hill Technical for the next 3 years.

At the age of 14 he started a fitting and turning apprenticeship at Sonoco Australia in Bulleen, in addition at the age of 21 attended night school where he completed a boiler and tool making apprenticeship.

His love of Australian Rules football flourished, joining Templestowe Juniors playing Under 13’s, and winning his first grand final flag in Under 15s. Playing senior football, he was

sought and recruited by Bulleen Templestowe captaining their under 19s side. A special era in the Amateur ranks followed, taking the club from F to A grade in 7 years, 4 premierships followed, and a Life Membership award, his active football career finishing in 1987. During this period, he was to meet the love of his life, Sue, married in 1977, 4 children, 2 girls and twin boys.

In 1987 his work moved him to Tasmania, and in 1991 a promotion moving him back to Melbourne where he resides today.

During his working life he has enjoyed a number of jobs and challenges, he speaks fondly of his involvement in the construction industry, operating big trucks and machinery.

Loves his golf, watching his beloved Hawks, enjoys travelling with Sue, fast cars, and Harley Davidson motor bikes.

Fond memories, New Members Day October 2018, the roar and rumble in the car park, a bloody bikie had arrived on his Harley Davidson, accompanying him, his past football teammates, Ron Pretto, and Kim DI Marzio, signing up, all deciding the Donvale Bowls Club was to be “there club of choice”. Not a bad “pick up” I trust you agree!

During his brief tenure at Donvale Wally has indeed made his mark, become a beloved “Character” his infectious enthusiasm on the bowling green, the encouragement he generates for those playing alongside or under him, effects and motivates us all. He also has made a tremendous effort of assisting the bowls club with new additions and his prowess of operating machinery, shifting concrete plus many other skills has made Wally an outstanding member of our club.

Wally long may your dulcet tones echo and prevail in our midst!

SPORTS

RECRUITING NOW!!!

For second season in VSDCA Here is an exciting opportunity to join an evolving turf cricket club in the second highest competition in the state, and play alongside and against some of the very best former and future International, State and Premier players in a warm and friendly environment just 20 minutes from the CBD. Enjoy some of the best facilities in Victoria and VSDCA cricket. Create a new destiny at Donvale with us.

All Application will be held confidentionally.

Contact President: Warren McAlpin 0417580553 Vice President (Senior Cricket): Rohan Thompson Senior 0418546715 Junior Co-Ordinary: Mara Laurie 0436 106 324

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JUNE 2022

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Manningham 1300 88 38 30 editor@findmanningham.com.au

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SEND US YOUR NEWS! Manningham 1300 88 38 30 editor@findmanningham.com.au

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MANNINGHAM

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