Find Maroondah - December 2024 Edition

Maroondah The

DECEMBER 2024

WHAT’S INSIDE: 05

COLUMNIST ARTICLES

19

TAX UPDATES

21

MAROONDAH COUNCIL NEWS

26

NOT-FOR-PROFIT OF THE MONTH

40

FIND SPORTS

SUPPORT LOCAL, BUY LOCAL, DISCOVER MAROONDAH

See full article on page 04

LEGAL dean.bosman@mercantilelegal.com.au

03 9098 8750

REECE DROSCHER reece@shlfinance.com.au www.shlfinance.com.au

0478 021 757 info@findaccountant.com.au | www.findaccountant.com.au

PL ATINUM SPONSOR

DECEMBER APRIL SPONSOR SPONSOR

DECEMBER SPONSOR APRIL SPONSOR

COLUMNIST CONTRIBUTORS FOUNDER | ACCOUNTANT

LIFE COACH | FACILITATOR

GENERAL INSURANCE

MORTGAGE BROKER

WARREN STRYBOSCH

LESLEY-ANNE BANTON

CRAIG ANDERSON

REECE DROSCHER

LACTATION CONSULTANT

OCCUPATIONAL HEALTH & SAFETY

FINANCIAL PLANNING

LEGAL

JOANNA STRYBOSCH

MARK FELTON

ERRYN LANGLEY

DEAN BOSMAN

DIGITAL MARKETING

BOOKKEEPING

MARKETING CONSULTANT

BOOKKEEPING

?

?

ETHAN STRYBOSCH

JODIE MOORE

Are you our next Life Coach?

Are you our next Bookkeeper?

COPYWRITER / ACRREDITED EDITOR

NATURE & CONSERVATION

HEATHERDALE COMMUNITY ACTION GROUP

NATUROPATH

LIZ SANZARO

ELWYNNE KIFT

KATHRYN MESSENGER

?

Are you our next Copywriter?

CLUB SPONSORS

findmaroondah.com.au

DECEMBER 2024 | FIND MAROONDAH

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About the Find Maroondah

By Warren Strybosch

The Find Maroondah is a community paper that aims to support all things Maroondah. 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 Maroondah 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 business 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.

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/findmaroondah) so you keep up to date with what we are doing.

We value your support, The Find Maroondah Team.

Lastly, we want to ask you, the local community, to support the fundraising initiatives that we will be developing

Maroondah The

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

OUR NEWSPAPER The Find Maroondah was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-For-Profits, 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 Maroondah has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

ALL THINGS MAROONDAH The City of Maroondah is a local government area in Victoria, Australia in the eastern suburbs of Melbourne.

Maroondah had a population of approximately 118,000 as at the 2019 Report which includes 9000 business and close to 46,000 households. The City of Maroondah was created through the amalgation the former Cities of Ringwood and Croydon in December 1994.

ACKNOWLEDGEMENT The Find Maroondah acknowledge the Traditional Owners of the lands where Maroondah 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.

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DISCLAIMER

NEXT ISSUE

Readers are advised that the Find Maroondah 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.

Next Issue of the Find Maroondah will be published on Monday Devember 2. Advertising and Editorial copy closes Monday November 25, 2024.

DECEMBER 2024 | FIND MAROONDAH

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FIND MAROONDAH |DECEMBER 2024

findmaroondah.com.au

CHRISTMAS DAY AND HOLIDAYS

By Warren Strybosch The end of year is fast approaching and what a year it has been. A lot of things have been happening behind the scenes to make this community paper even better and we hope to roll out many of these initiatives in the new year.

Before I get into some of these new initiatives, I want to say a big thankyou to everyone who supports our community paper. There is a lot of work that goes into producing this community paper and it would not happen if we did not have the support from our Find Foundation board, local businesses, Not-For-Profits and of course, our readers.

Ok. So, what has been happening behind the scenes? Firstly, we have welcomed several members to the board of the Find Foundation (www.findfoundation. org.au). The Find Foundation is the Not-For-Profit that overseas and runs the community papers. It makes all the big decisions regarding the future direction of the community paper and how we interact with all the stakeholders who are currently involved and will be involved in the future.

It is our aim to have a community paper established in all council regions across Victoria and so it is important to have the appropriate governance structure in place to not only see this vision come to light but to ensure we are meeting all the regulator requirements needed to safeguard the NFP mission and vision.

The community papers enable other NFPs, and other organisations who are running fundraising events, to promote their events for free. Also, it is a place to enable NFPs and charities to share their story so that the general public can become more aware of the services those organisations provide and in turn help support those organisations if they feel called to do so.

Secondly, we have worked with Find Pty Ltd, to revamp the Find Network (www. findnetwork.com.au) and to rollout the Find Network App. The Find Network App will make it easier for small businesses to refer clients and customers to each other in the Find referral network and keep track of those referrals at each stage of the process. The Find Network has introduced three levels of participation (https://findnetwork.com.au/join/) so that it is now more affordable to become

a Find Network member and participate in network meetings. The first membership option is an online network meeting option for those wishing to explore what the Find Network has to offer and to get a better understanding of how the Find Network runs alongside the Find Foundation. If you become a Find Network member (options 2 or 3) and we have the numbers, in short, we will set up a community paper in your region and you will be able to support the Find Foundation by contributing articles and advertising in the community paper. Don’t worry, your Find Network membership covers all associated advertising costs – you don’t have to pay anything more to advertise and provide articles about your business in the community paper when you become a Find Network member.

Thirdly, we are so close to rolling out the Find Cards App and this new exciting fundraising initiative (www.findcards. com.au). We were hoping to have this App ready in July/August but as with everything new it takes time to get things right. As of writing this letter, we are currently waiting on the Apple Store to approve the App. The good news is that Google Play have approved it already.

The Find Cards fundraising initiative will enable the public to sign up to the Find Cards for less than a coffee a month.

Businesses will be able to supply discount deals and coupon deals – instead of giving 30% away to Uber Eats as an example, we will encourage them to provide discount offers to our Find Card members. This way both the general public and local business owners will

benefit. Also, Find Card members will go into monthly draws to win prizes. As we get more members on board, the prizes will get larger. We will eventually have prizes per region so that more people have a chance of winning a prize. Some of you might be asking how is this a fundraising initiative? Who does it benefit? Well, when you sign up to become a Find Card member, you elect an organisation to support. The organisation can be a school, sporting club, NFP or charity. At the end of the year, we inform the organisation of the funds we have raised for them and pass on these funds to them. All the organisations must do is sign up as an in-kind sponsor of the Find Foundation to receive the funds. There is no cost to sign up as an in-kind sponsor. In short, everyone wins…the general public, the small business owner, and those organisations needing additional funding to continue operating. Not only will some funds go to the organisation you have elected to support, but some will also go to the Find Foundation to help that NFP to achieve its mission of rolling out community papers across Victoria.

As you can see it has been a very busy year here with lots of exciting things on the go.

From all the team of the Find Foundation and Find Network, we hope the rest of the year is rewarding, restful, and you find love and/or friendship in those around you.

Wishing everyone Christmas.

a

very

Happy

findmaroondah.com.au

DECEMBER 2024 | FIND MAROONDAH

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Just how beautiful are wilderness

areas, refreshing to the soul NATURE & CONSERVATION

By Liz Sanzaro

Further afield there is Levon Canyon walk, out of Ulverston on the north coast.

Amazing to see the canyon come and go from the one vantage point.

Last but not least is the absolutely amazing Trowatta Arch and caves on the Tarkine national forest

Recently we visited the North and West Coasts of Tasmania, leaving from Launceston.

Cataract Gorge is actually a little known feature of Tasmania, people preferring Hobart but the Launceston gorge is amazing and quite close to the CBD. Always spectacular especially after heavy rain. Loud roaring, turbulent and a force of nature.

When not in flood it is quite a different picture, and a great walk up and back with not too much of an incline.

With Tasmania on our doorstep, this was all done in a 4 day get away. It is necessary to refresh your soul, especially if you are feeling despondent about Climate Change and world events. We are not travel agents, just wanting to share vision of how pristine parts of Tasmania still are, precious beyond words.

Dip Falls out of Boat Harbour is also beautiful, but we are yet to find waterfalls that do not impress, plus the sounds are soothing. You can see the dolerite columns here, where the water splashes onto each column, making for a very white water fall.

Having already seen the Nut at Stanley which is well known as a dormant volcano base.

The Conservation Society wishes you all a good end of year break.

If you find any injured wildlife over the holidays, carefully transfer it to a cardboard box using a heavy towel or blanket to protect yourself, then take it to a local Vet if open. There is no charge for this service. Also when the weather is hot make sure there is water available for wildlife in your garden.

Otherwise call Wildlife Victoria 24 hours, 7 days a week on-call support for injured or sick wildlife.

Call Wildlife Victoria on 03 8400 7300 or report an injured animal using their online form.

Tasmanian geology is so very different from the mainland, in fact a professor of geology who has made a lifetime study of rocks and matching up places from Gondwana land to known places, has a very well explained theory that Tasmania was never attached to Australia, but instead is a chunk broken off from Antarctica when that land mass was near North America. Sounds bizarre, but you can read about the new findings here,https://www.abc.net. au/news/2015-09-08/tasmania-oncewedged-between-antarctica-and-northamerica/6757774

It is on to a Huon Pine walk out of Corinna just inland down the West coast

Liz Sanzaro

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

DECEMBER 2024 | FIND MAROONDAH

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FIND MAROONDAH |DECEMBER 2024

findmaroondah.com.au

Bookkeeping - Back to basics

10 Essential Bookkeeping Tips for Tradies BOOKKEEPING

By Jodie Moore

As a tradie, you're likely flying solo when it comes to managing your business's books. This means you must find a balance between your core work and staying on top of your numbers.

Here are 10 practical bookkeeping tips for tradies to help you stay organised and ensure your financial processes are running smoothly.

1. Use Job Numbers for Better Tracking Having unique identifiers to help distinguish one job from another reduces the risk of confusion or mix-ups. As your business grows and you take on more clients, job numbers become even more critical for tracking progress payments, and outstanding balances. You can also assign expenses to a specific job to help ensure you are charging the client correctly, increasing your profit margin. With a clear system in place, you can easily monitor which jobs have been paid and which are still pending.

Job numbers also allow you to look at specific historical jobs should a client call you up with a query on a previous job you did for them or to ask for more work to be done. Everything is in one place meaning you don’t need to go looking for it giving your client peace of mind that you can help them again.

A professional bookkeeping service will ensure that your invoices are sent out on time, payments are tracked accurately, and best practices are followed. This allows you to focus on growing your business and building relationships with clients rather than getting bogged down in paperwork.

4. Understand Your Tax Obligations As a business owner, you have a responsibility to stay on top of your tax obligations. Failing to report your income and expenses accurately could lead to fines or legal trouble. Working with a tax accountant or bookkeeper can help you keep your financial records in order and ensure you take advantage of any tax deductions available to your business.

A tax accountant can also assist with preparing your tax filings, reducing stress come tax time.

5. Separate Personal and Business Expenses A key trait of financially successful tradies is discipline—both on the job and with their finances. Mixing personal and business expenses can create confusion and make it harder to track your financial performance. Open a separate bank account for your business transactions to help maintain clear financial boundaries. This simple step will make your bookkeeping more organised and reduce the risk of accidental misuse of business funds.

2. Create a Simple and Streamlined Bookkeeping System I think it is safe to say that many tradies aren’t fans of paperwork, so it’s important to create a bookkeeping system that works for you. Automate the flow of tasks from job acquisition to invoicing and payment tracking. Set up a filing system so you don’t spend half your time looking for receipts. Having a system in place means you are more likely to keep on top of your paperwork and not let it build up to the point where it becomes overwhelming to even look at.

6. Monitor Your Bank Account Regularly It’s easy to assume you have enough money in the bank, only to find out later that your account is running low.

Keep a close eye on every dollar that enters and leaves your bank account.

Regular monitoring helps you avoid overspending and ensures that you can manage your cash flow effectively.

Always be proactive about tracking your income and expenses to prevent any surprises that could negatively impact your business. Consider what larger expenses are due within the next couple of months so you can maintain sufficient funds in your account to pay for them.

3.

7.

Outsource Invoicing and Accounts Management Handling accounts manually can be time-consuming and error-prone.

Outsourcing your invoicing and accounts payable/receivable tasks can save you hours of admin work.

Maintain Ongoing Relationships With Your Customers The relationship with your customers shouldn’t end once a job is completed.

Repeat business is often more costeffective than acquiring new customers, so stay in touch with past clients. Keep

their contact details on hand to reach out for feedback, ask for reviews, or notify them about new products or services you offer. Building lasting relationships with clients can lead to valuable wordof-mouth referrals and future work.

7. Keep Detailed Financial Reports Accurate financial reporting is the backbone of any successful business.

Ensure that you maintain up-to-date balance sheets, income statements, cash flow statements, and annual reports.

These documents provide valuable insights into your business’s financial health, helping you make informed decisions and plan for growth. Regularly review these reports to keep track of expenses, income, and profitability.

8. Retain Detailed Receipts for Every Transaction Receipts serve as proof of your business’s transactions and are vital for maintaining accurate records. They also come in handy when it’s time to file taxes. Keep a physical and digital copy of all receipts to ensure you can back up your financial records. Even if you use accounting software to track your expenses, having physical receipts as backup can help avoid complications in case of a dispute or audit.

9.

Consider Outsourcing Your Bookkeeping and Accounts If you’re serious about growing your business, outsourcing your bookkeeping tasks can free up valuable time and reduce stress. Professional bookkeepers can help you manage all aspects of your finances—from tracking income and expenses to preparing reports and handling payroll. By delegating these tasks, you can focus on what you do best—delivering high-quality work to your clients—while ensuring that your finances are in expert hands. It will likely take a bookkeeper a lot less time than it takes you to manage your finances. But it is also important that you understand your finances and not just hand it all over and forget about it.

Final Thoughts Bookkeeping might not be the most glamorous aspect of running a business, but it’s crucial for long-term success.

By following these 10 tips, you’ll create a solid foundation for managing your business’s finances. Whether you handle the books yourself or outsource them, staying organised and informed is key to growing a successful tradie business.

findmaroondah.com.au

DECEMBER 2024 | FIND MAROONDAH

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DIGITAL MEDIA

By Ethan Strybosch For not-for-profit organisations (NFPs), standing out online can feel like an uphill battle. But what if you had $156,000 annually to boost your online presence and drive more people to your cause?

Enter the Google Ad Grant program, a powerful opportunity that provides NFPs with free advertising credit to spread their message, attract new supporters, and increase donations. If your organisation isn’t leveraging this game-changing resource yet, here’s everything you need to know to get started.

Are You Tapping Into

What Is the Google Ad Grant Program?

Google offers eligible NFPs up to $10,000 a month in Google Ads credit—totalling $156,000 a year. These funds allow you to run targeted ad campaigns that appear in Google search results, helping you reach the right audience at the right time.

the $156,000 Per Year Google Ad Grant Yet?

Whether your goal is to raise awareness, drive traffic to your website, or engage with potential donors, Google Ad Grants can transform your online marketing efforts.

the most of your ad credit. Here’s how to create impactful campaigns:

How to Apply

•

1. Check Your Eligibility Start by ensuring your organisation meets the requirements. You must: • • •

Be a registered not-for-profit.

Hold valid charity status in your country.

Agree to Google’s non-discrimination policies.

Visit Google for Nonprofits for full eligibility criteria.

2. Submit Your Application Once your eligibility is confirmed, you can apply directly through Google for Nonprofits. The process is straightforward, and guidance is available at every step.

3. Set Up Your Account After approval, you’ll need to set up your Google Ads account. Google provides a guided setup to ensure your campaigns comply with the program's policies.

Optimising Your Ad Campaigns Getting started is just the first step— ongoing optimisation is key to making

Keyword Research Identify the terms your audience is searching for using tools like Google Keyword Planner. Focus on keywords that align with your mission and services.

•

Engaging Ad Copy Craft compelling ads that resonate with your audience. Use clear and direct calls to action, such as “Donate Now” or “Learn More.”

•

Landing Page Optimisation Ensure the landing pages your ads link to are relevant and userfriendly. A clear call to action on these pages—like signing up for a newsletter or making a donation— can drive better results.

• Poor Quality Scores Google assigns Quality Scores to your ads based on their relevance to the landing page. Ads and landing pages must align closely to maintain performance.

Ready to Make an Impact?

With $156,000 per year in free advertising, your organisation has the potential to reach new heights in visibility, engagement, and impact. Whether you’re just starting or looking to optimise existing campaigns, the Google Ad Grant program is a resource no NFP should overlook.

Take the first step today—visit Google for Nonprofits to learn more and apply. Your cause deserves to be seen.

Common Pitfalls to Avoid While the Google Ad Grant program is an incredible opportunity, it’s essential to avoid these common mistakes: • Low Click-Through Rates (CTR) If your ads aren’t attracting clicks, test new keywords and refine your ad copy.

Small changes can lead to significant improvements.

Ethan Strybosch DIGITAL MEDIA

info@elmedia.com.au or contact us at www.elmedia.com.au

DECEMBER 2024 | FIND MAROONDAH

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FIND MAROONDAH |DECEMBER 2024

findmaroondah.com.au

I WANT TO BE

A SUNBEAM

Baroness Saffron Foster, ( grand daughter of Dame Nellie Melba.) and family were there to view & welcome the car back for the special trip to its ancestral home..- Coombe Cottage was built in 1912 and Dame Nellie Melba always called it home. Coombe has always been kept exactly as she left it, and the house and 80 acres of grounds have been maintained impeccably .

On the 8th November the Sunbeam Talbot 10hp, car ( the 21st birthday present to Lady Pamela Vestey- daughter of Dame Nellie Melba) was “ flagged off “ at Ringwood Square car park by Councillor Prue Cutts and Philip Daw President of the Heatherdale Community Action Group Inc. The Sunbeam Talbot was driven to Coombe Cottage in Coldstream by Mal Clarke- one of the restorers of the vehicle – a slow and steady trip. The escort vehicle was a Sunbeam Allegro( owned by Terry Sully) ( one of 3 in the world) . THE SUNBEAMS WERE CERTAINLY BEAMING. !

Mr. Terry Sully stated that it was “fantastic” to be able to bring a small part of history to the family . The Sunbeam was stored in a hayshed for 70 + years before Mr. Sully purchased it for restoration with his mate Mal. It is hoped that the next phase of the exquisite car’s life will be an interesting one where many people are able to see this part of history. – where is yet to be decided.

ELWYNNE KIFT HEATHERDALE COMMUNITY ACTION GROUP

findmaroondah.com.au

MORTGAGE BROKERING

By Reece Droscher

Did you know that seven out of 10 borrowers use a mortgage broker?

During the June 2024 quarter, mortgage brokers wrote 73.7% of all new home loans in Australia – the second highest result on record.

DECEMBER 2024 | FIND MAROONDAH

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WHY USE A MORTGAGE BROKER TO REFINANCE?

When it comes to refinancing, many borrowers choose to use a mortgage broker for peace of mind that switching is the right move for them.

Here’s why many borrowers are using a mortgage broker to refinance, rather than going direct to a lender.

Professional advice you can trust Australians are in the midst of a cost-ofliving crisis and money is tight for many.

When it comes to your home loan, you want to know that it’s competitive and has the features you need.

A mortgage broker is a trained finance specialist who can offer support and guidance about whether refinancing is suitable for you. We understand the different home loans and can narrow down your options to find one that marries with your specific financial situation and goals.

Mortgage brokers are bound by a best interests duty. What that means is we are governed to always act in the best interests of our clients, so you can rest assured we’re on your team.

A streamlined refinancing process Do you remember when you took out your existing home loan?

Maybe you had to jump through a few hoops to get to the finish line? Perhaps it felt like there was A LOT of paperwork to wade through and it all seemed overwhelming at times?

Mortgage brokers streamline the refinancing process. We liaise with the lender, oversee the paperwork and provide ongoing assistance.

Bottom line: you’ll have someone to support you throughout the entire refinancing journey.

Tailored finance solutions There’s no one-size-fits-all mortgage.

Everyone’s financial situation and goals

are different, which is why you need tailored finance solutions.

A mortgage broker will take the time to understand your financial circumstances and goals. If we think you could benefit from an offset account or redraw facility, we’ll explain why, but we won’t push extras on you that you don’t actually need.

financial situation and future financial aspirations, then line you up with finance to support those goals.

Common reasons to refinance If you haven’t reassessed your mortgage recently, now is the time to do it.

Refinancing could help you to:

A panel of lenders

•

If you go directly to a lender, they’ll try to sell you their home loans. Naturally.

•

We have access to a full panel of lenders, so we can compare the market and find a mortgage that’s suitable for you.

Borrowers are spoilt for choice these days, and we will help you pick your home loan from the hundreds of options out there.

•

What about commissions?

The commissions we receive are pretty similar across lenders. This ensures there’s no incentive for a broker to recommend one lender over another. Our job is to act with our clients’ best interests at heart.

A holistic approach to your finances Banks are generally focused on the here and now. Their primary goal is to secure your business and lock you in.

Mortgage brokers, on the other hand, take a holistic approach to your finances.

We’ll take into account your current

•

Secure a more competitive interest rate Benefit from interest-saving features like offset accounts or redraw facilities Access equity for renovations, additional properties or other financial goals Consolidate debt.

Like to explore your options? Interest rates may be on the move again in early 2025, so it makes sense to shop around now to see what lenders are offering.

Contact Reece on 0478021757 for more information.

Please call Reece Droscher on 0478 021 757 to discuss all of your Home Loan needs.

reece@shlfinance.com.au www.shlfinance.com.au DECEMBER 2024 | FIND MAROONDAH

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FINANCIAL PLANNER

By Warren Strybosch

As the year is coming to a close, we want to thank all our readers and clients for their continued support. At Find Wealth (which also includes Find Retirement & Find Insurance) we will continue to strive to improve our client experience and be one of the best financial planning firms in Australia. On that note, we are excited to announce that Erryn Langley is a finalist for the first time at the IFA awards (https:// www.ifa.com.au/excellence-awards/ winners/2024-winners-and-finalists) in the category of SMSF Advisor of the Year, and I, Warren Strybosch, am a finalist in 2 individual categories: Client Outcome of the Year & Holistic Advisor of the Year – Vic. The Find Group (representing Find Wealth, Find Accountant, Find Foundation, and Find Network) is a finalist across five (5) categories. Last month I, Warren Strybosch, was listed for the third time in the FS Power 50 as one of the most influential financial advisors in Australia and I recently attended the IFPA awards where I picked up Holistic Advisor of the Year and Australian Financial Practice of the Year. In all, Erryn and I have had a good year, and this could not have been possible without the support of our amazing team and our families.

This month we just want to touch on what is new across the industry as follows:

findmaroondah.com.au

1.

New Aged Care Bill passed

On 25 November, the Aged Care Bill 2024 passed both houses of Parliament and will become law with amendments made by the Senate. The new Act will commence from 1 July 2025.

These changes were mentioned in previous editions under our Aged Care.

While the new Aged Care Act will commence from 1 July 2025, the Government has registered a legislative instrument Aged Care (Subsidy, Fees and Payments) Amendment (Maximum Accommodation Payment) Determination 2024 to implement this change to RADs which will come into effect from 1 January 2025.

3.

Release of super on compassionate grounds

Early in the new year, we will delve into the potential impact of these changes from a strategic perspective for our clients looking to access aged care both before and after 1 July 2025.

The ATO recently released statistics pertaining to the early access of super under the Compassionate Grounds condition of release.

Note: Warren Strybosch of Find Wealth will be looking to launch their new website www.findagedcare.services in 2025 and from 1st July 2025, will start to provide aged care advice. Watch this space.

The information highlights the popular reasons for access and the likely success of the application, a useful bit of information for clients requesting early access under this condition.

2.

Increase in maximum published Refundable Accommodation Deposit (RAD)

As part of the Government’s aged care reforms, there is a proposal to allow the maximum published accommodation price that can be charged without seeking approval from the Pricing Authority, to increase from $550,000 to $750,000.

Additionally, the maximum price will then be indexed annually on 1 July each year to CPI.

Of particular interest: •

The total dollar amount released under the Compassionate Grounds definition has more than doubled over the past six years

•

Medical treatment is by far the largest category for withdrawals, making up 94.5% of applications approved in 2023-24.

•

Of the sub-categories under medical treatment, 45% of the approved claims were for dental treatment and 28.6% for weight loss

DECEMBER 2024 | FIND MAROONDAH 11

findmaroondah.com.au

•

Preventing foreclosure or forced sale of a home was the category with the lowest application success rate with only 1,110 approved applications from 12,900 applications received in 2023-24.

Warren Strybosch

The full report is available on the ATO website here.

1300 88 38 30 |warren@findwealth.com.au | www.findwealth.com.au

4.

2025 Federal Budget date change

The Australian Federal Budget for 202526 will be handed down on Tuesday 25 March 2025 instead of the usual second Tuesday in May. This is in anticipation of the upcoming Federal Election which must be held on or before 17 May 2025.

Leading up to the election, when Parliament is dissolved, all proposed bills and other business before the House of Representatives and the Senate will expire and will have to be reintroduced in the next Parliament (if applicable).

Again, from everyone at the Find Group which includes Find Wealth, we want to wish you all a happy Christmas and enjoyable time away with your friends and family at this time of year.

Financial Planning is offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth & Find Retirement.

Wealth is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliancegroup https://www. centrepointalliance.com.au/ Warren Strybosch is Authorised representative (No. 468091) of Alliance Wealth Pty Ltd. Services offered are superannuation, retirement planning and aged care advice.

This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

DECEMBER 2024 | FIND MAROONDAH

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12 FIND MAROONDAH |DECEMBER 2024

findmaroondah.com.au

Dreaming of setting up your own business – things to consider ACCOUNTANT

By Warren Strybosch I don’t know about you, but I am looking forward to a well-earned break at the end of 2024. As a family we hook up the caravan and head off towards Falls Creek and set up camp along the Kiewa River.

I try to slow down even though I find that hard, but I do look forward to spending that time with family and friends.

As you all know, I run my own accounting and financial planning business with a focus on looking after pre-retirees and retiree clients.

What you may not be aware of is that I am also the founder of a Not-For-Profit called the Find Foundation which runs community papers throughout Victoria, and I manage the Find Network that runs a network group alongside the community papers. Additionally, I am on the board as treasurer where my children attend their schooling, and if that is not enough, I am about to launch our new wellbeing business to help our aged care clients and those clients with mobility issues. I am also currently writing a money/ financial planning book aimed at helping young people who either cannot afford financial advice or simply don’t want to see a financial planner. I told the Uber driver about my book, and he now follows me on LinkedIn. He told me he would be one of the first to purchase it…I might give him one for free given he was so encouraging during our trip to the airport. Oh, did I mention I am also writing a financial planning course for an overseas university? One of my friends says he gets tired just hearing me talk about all my business ideas and what I have on the go, but I thrive on it…well, most of the time I do but to be honest, I am looking forward to some down time this year…it has been a big year.

The end of year is often a time for reflection.

For some there will be thoughts of leaving paid employment and running their own business. Whilst running your own business brings with it certain rewards and sounds romantic, it can also bring with it many challenges. I was asked recently to help a new client set up his own business. So, I thought I would put together a few thoughts for people to consider before they head down this path.

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Business Idea and Market Research Define Your Niche: Clearly identify the problem your business solves and how it stands out in the market. If you can find a solution to a problem

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, then you are likely to succeed.

Alternatively, if you feel you can do what someone else is already doing but better, faster or cheaper (without sacrificing on quality) then that might be the way to go.

Understand Your Target Audience: Conduct thorough market research to understand who your customers are, their needs, behaviours, and pain points.

Competitor Analysis: Research competitors in your industry to evaluate their strengths and weaknesses. This helps you identify gaps in the market or areas for differentiation. For me, I like to speak to other award-winning financial planning and accounting practices.

Be humble and recognise that you can learn from others.

Legal Structure and Compliance Choose a Legal Structure: Decide on the type of business entity (sole proprietorship, partnership, company, trust, etc.). This decision impacts taxes, liability, and other factors. Speak to your accountant about all of this.

Obtain Necessary Permits and Licenses: Depending on your location and industry, you may need to apply for specific business licenses, permits, or certifications.

Often it is insurance you will need to obtain e.g., public liability, work cover and/or income protection.

Understand your Tax Obligations and get the Right Software: Consult a tax professional to understand the tax obligations and what bookkeeping software you should use. Aim to use bookkeeping software at the start as it will save you time and money in the long run.

Funding and Cashflow Estimate Startup Costs: Calculate the initial capital required for equipment, inventory, office space, marketing, etc. This helps you determine how much funding you need.

Sources of Capital: Explore funding options such as personal savings, bank loans, investors, crowdfunding, or grants.

Cash Flow Management: Set up a cash flow plan that includes cash flow projections, budgeting, and accounting systems to track revenue and expenses.

Branding and Marketing Strategy Develop Your Brand Identity: Create a strong brand that resonates with your target audience, including a logo, colour scheme, messaging, and tone of voice.

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Marketing Plan: Design a marketing strategy that includes both online and offline channels, such as social media, SEO, content marketing, email campaigns, and traditional advertising. Don’t fool yourself. If you are not on social media, you need to start. Remember, when you run a business, social media should be all about you and your business so keep it family friendly. You do not want to alienate the general public who are conservative by nature.

Domain Names and Trademarks: Make sure you can obtain the domain name that represents your business and check IP Australia for trademarks. The last thing you want to do is receive a letter stating you are infringing someone else’s IP. Customer Acquisition and Retention: Identify strategies for attracting new customers and retaining them, including promotions, loyalty programs, and personalised services.

Operations and Systems Set Up Your Operations: Establish processes for day-to-day business operations, including supply chain management, inventory control, and customer service.

Technology and Tools: Invest in the right software and tools (CRM, accounting software, project management tools) to streamline your workflow and enhance productivity.

Scalability: Design your operations with scalability in mind, so you can efficiently handle business growth without sacrificing quality or customer satisfaction.

Staffing: Consider hiring admin staff from overseas and only hire client facing staff in Australia.

By carefully considering the above areas, you’ll be better equipped to navigate the challenges of starting and growing a successful business.

Feel free to give me a call if you wish to discuss your next business idea or want any help to understand any of the above points.

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

DECEMBER 2024 | FIND MAROONDAH 13

findmaroondah.com.au

How to look after your liver

(especially during times of celebration)

NATUROPATH

By Kathryn Messenger

Your liver is one of the major detoxification organs in your body. But not only does it work in detoxification, it also plays an important role in hormone regulation and blood glucose metabolism.

It’s commonly known that too much alcohol is bad for your liver. But did you know that overeating, too much sugar or white flour products, as well as prescription medications (and recreational drugs) can increase the detoxification load of the liver?

Some common signs of reduced liver function: • • • • • •

Fatigue (especially after lunch or mid-afternoon) Brain fog Headaches Nausea Irritability, frustration, or anger Dry skin

The good news is that the liver is an organ that can repair itself (at least at this point), and there are lots of simple things you can do to help your liver with its role of detoxification and help to improve its function.

Fluids Drink plenty of water, it’s the easiest way to help your body eliminate waste products and toxins, it does this via the liver and digestive system, via the kidneys and urinary system, and also through sweat. Lemon, lime or grapefruit in water is especially helpful. There are some herbal teas that will also be of benefit: chamomile tea, dandelion root, or turmeric.

Fasting It makes sense that if overeating can cause liver problems, fasting can help with the repair. Often people with poor liver function don’t have a morning appetite. If this is you, fasting breakfast is a great place to start. Be sure to drink plenty of water, and when you do start eating, avoid sugar and white flour products, and include some of the foods that will help your liver.

I see such good results in my clinic with people’s energy levels in a short time after taking liver herbs, and there are some great herbal and nutritional products to improve metabolism and to help you feel great.

Foods Bitter foods are not only good for the liver, but will stimulate your body to make more enzymes to aid in digestion. Mild bitter foods include the brassica family: broccoli, cauliflower, kale, brussel sprouts and cabbage. Bitter leafy greens such as roquette or dandelion greens can help, and for a good serve of bitters, you can't go past bitter melon.

Kathryn Messenger BHSc (Naturopathy) kathryn@wholenaturopathy.com.au Suite 1 53/1880 Ferntree Gully Rd Mountain Gate Shopping Centre Ferntree Gully, Victoria

DECEMBER 2024 | FIND MAROONDAH

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Maroondah Council News

DECEMBER 2024

Maroondah Arts Collective - End of Year Catch Up The Maroondah Arts Collective is hosting an "End of Year Catch Up" event as part of its community engagement initiatives.

This gathering is an opportunity for local artists, creatives, and supporters of the arts in Maroondah to come together, celebrate the year's accomplishments, and connect with likeminded individuals. The event typically features discussions, networking opportunities, and reflections on the creative activities supported by the Collective throughout the year.

It is also a community-oriented event aimed at celebrating and reflecting on the achievements of the year within Maroondah's arts community. Hosted by the Maroondah City Council, it offers local artists, creatives, and arts enthusiasts a chance to network, share insights, and build connections.With event’s highlights the work of the Maroondah Arts Collective, showcasing its role in fostering creativity and collaboration in the region. It often includes discussions, showcases, and plans for the future.

International Day for People with a Disability Tricia Malowney and Laura Edwards are experts in their field and will discuss the challenges, innovations and best practice opportunities in accessible transport.

IDPwD is a United Nations (UN) day observed internationally on 3 December each year.

It aims to promote community awareness, understanding and acceptance of people with disabilities.

This year’s event will focus on accessibility within public transport.

With transport there are so many challenges for people with a disability and it’s always been a topic that has generated great interest in our community.

Jazz on Sundays at Ringwood RSL Come along with your friends or spend the afternoon with new friends at the RSL as musicians bring you a whole afternoon of entertainment and some great jazz music! Over 30 musicians performing for you.

It's a huge afternoon of music in a friendly atmosphere, with good parking and close to public transport. Organizers go out of their way to make you feel welcome. Just come along and find out yourself.

Please follow all RSL entry protocol. If you live within the 5km radius then membership rules apply. See the Ringwood RSL website or ask as you sign in to the RSL. This event is brought to you by Jazz Notes - Ann & Kevin - local musicians and Maroondah award recipients.

Maroondah Council News

MAY 2022

findmaroondah.com.au

DECEMBER 2024

Help shape programs and support for local families Creating opportunities for dads and male carers across Maroondah and Yarra Ranges to connect with support, programs and activities.

Yarra Ranges Council and Maroondah City Council understand the importance of prioritising the wellbeing of dads and male carers.

After identifying a gap in programs and activities, the Family, Children and Youth teams are working together with Building Better Brains, to develop a plan of programs and activities for dads and male carers of children aged 0-8 years.

Help us to build a quality program, by sharing your feedback on what would best support you in your role as a dad or male carer, whilst building social and community connections!

Any man can be a father, but it takes someone special to be a dad.

Friends of Ringwood Lake

working bee and picnic

The Friends of Ringwood Lake group is an active volunteer community working to improve the biodiversity of Ringwood Lake Park, focusing on the eastern end of the reserve.

Their efforts include habitat restoration, environmental education, and community engagement. The group organizes regular working bees to help care for the park, including tasks like planting, weeding, and other maintenance activities. Volunteers often gather to not only contribute to the environment but also to enjoy social events, such as picnics, which foster community involvement and environmental stewardship.

Ringwood Lake Park, located in Ringwood East, is a popular venue with features like a lake, walking tracks, and picnic areas. It provides a space for both local residents and visitors to engage in outdoor activities while promoting biodiversity conservation.

Pathways for Carers program - Tuesday walk The Pathways for Carers offers those caring for older people, or people with a disability or mental illness an opportunity to share walks together and to learn more about news, services and supports. Stay after the walk for a free coffee at Bark and Silk.

Anyone who is a carer of someone with a disability, mental health illness or older person is welcome to join us. We have a different guest walker attend each walk who talks about the services and programs their organisation offers carers and the people they care for. The walks are educational as well as offering the chance for some exercise.

DECEMBER 2024| FIND MAROONDAH

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Are you Not-For-Profit in Maroondah 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@findmaroondah.com.au and we will place it in the paper for FREE.

Maroondah

Ltd

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NOT-FOR-PROFIT EVENT ADVERTISEMENT

20 FIND MAROONDAH |DECEMBER 2024

DECEMBER 2024

findmaroondah.com.au

Ainslie Parklands Primary School has a strong focus on academic achievement and a positive approach to wellbeing, which nurtures our students to become independent critical thinkers and passionate learners.

Through a stimulating and engaging learning environment, comprehensive assessment and strong connections, we are committed to meeting each child’s point of need. We develop individual next steps to progress their learning – whether that be social, emotional or academic growth.

Parents are valued in this process, and we work in partnership with you to create considerate and confident life-long learners.

We provide authentic learning opportunities, with a strong focus on the outdoor classroom and incorporate the opinions and interests of our students. This ensures they have a voice in, and therefore ownership of their learning, which allows them to maximise their outcomes.

Set on beautiful grounds, our students are our greatest achievement.

I am privileged to lead the Ainslie Parklands Primary School community, where we work together to ensure our students are happy, connected and inspired.

We welcome you to come and experience our unique learning environment and discover why we are so proud of our school!

Ainslie Parklands Primary School, 24-36 Hinkley Ave, Croydon.

Ainslie Parklands Primary School, 24-36 Hinkley Ave, Croydon.

PH: 9870 1566 www.ainslieparklandsps.vic.edu.au

NOT-FOR-PROFIT EVENT ADVERTISEMENT

DECEMBER 2024

HEATHMONT UNITING CHURCH COMMUNITY LIFESTYLE CENTRE

JO CO IN IN MM TH FES UNI E T T SPI IVE Y RIT !

Community Carols SATURDAY 21 DECEMBER, 6:30 PM - 8:30 PM 89 CANTERBURY ROAD, CHURCH HALL Festive singing, Christmas tree, colouring competition and light refreshments!

For more information visit www.hucclc.com.au

Do you have an upcoming events?

Place your EVENT AD here for FREE in our community online paper.

Simply upload your ad at

SEND US YOUR NEWS! www.findmaroondah.com.au/nfp-free-advertising or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.

22 FIND MAROONDAH |DECEMBER 2024

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RETIREMENT & & RETIREMENT

AGED CARE

SEPTEMBER 2024

When do you consider closing down your SMSF?

RETIREMENT

By Warren Strybosch

Before I delve into this topic, I just want to say thank you to everyone who reads my articles and for those who have supported me throughout this year. I was very humbled to have been placed into the FS Power 50 once again.

achievements within the accounting, superannuation, and financial advice sectors. I was able to attend the awards in late November and won Holistic Advisor of the Year and to my astonishment, walked away as the overall winner as Australian Financial Practice of the Year. (https://online.ifpa.com.au/2024finalists).

Whilst it is not a requirement to have a retirement strategy in place when running a SMSF, I encourage trustees to consider putting one in place and to seek professional advice when doing so. I believe it is important that trustees give thought to their futures and to consider the ‘what if’s’ situations that might occur. For instance, what if one of the members pass away? Usually, it is the husband to pass away first and they were the ones managing the SMSF on behalf of himself and his wife. Would the wife be able to continue running the SMSF? What if a trustee has a property in the SMSF and wants to retire but still has debt associated with the property and cannot meet the minimum pension payment requirements? How do they When is it time to close down a SMSF? pay themselves a pension? What if one of the members loses capacity to manage At least once or twice a year I find myself having a discussion with a Trustee of a the SMSF? SMSF regarding the closure of their SMSF. Often these discussions take place when Trustees should reconsider every three the trustees are in their late 70’s or 80’s years if an SMSF is still the correct and are starting to find it burdensome retirement strategy for their needs, and

This week I am travelling to Sydney again as I am a finalist across eight (https://www.financialstandard.com.au/ (8) categories for the prestigious IFA Excellence Awards. It is one of the most fspower50#website). anticipated awards programs of the year, The Financial Standard’s Power50 list that identifies the top businesses and is made up of the 50 most influential professionals in the financial services industry across the nation. In 2021 and financial advisers in the country 2023. I won an award, and last year according to the readers of Financial I was the bridesmaid across four (4) Standard and FS Advice - The Australian categories. Winning an ifa Excellence Journal of Financial Planning.

Award is a desirable accolade for both individuals and businesses seeking to They search for advisers who have actively forge their role in the finance industry and participated in industry-based activities, pinpoint professional development and community-based projects and/or innovation. other initiatives designed to promote the important role that financial advisers play Moving on to this month’s article. in the country’s socio-economic future.

Not only did I make it into the FS Power 50 but I was a finalist in three (3) categories for the Australian Financial Industry Awards for 2024, an initiative run by the Institute of Financial Professionals Australia (IFPA). These prestigious awards celebrate excellence and outstanding

to keep up with all the regulatory requirements of running their own SMSF. Often, these trustees do not have a financial planner helping them to manage their SMSF affairs and/or the underlying investments, and so all the legal and investment requirements fall on their shoulders.

DECEMBER 2024 | FIND MAROONDAH 23

findmaroondah.com.au

RETIREMENT & & RETIREMENT have an exit plan in place, otherwise they might be forced to close the SMSF at a time they did not expect it or want to.

With the rise of industry funds offering low fee investment options and the ability now to purchase shares, exchange traded funds (ETF), and term deposits (TD), there are now alternative options compared to a SMSF for those in retirement.

I am of the opinion that if you do not want to hold property in a SMSF and you are not inclined to invest in highly speculative investments like Crypto and Derivatives, then maybe a SMSF is not the right vehicle for you to use in retirement.

As such, I manage a lot of clients share portfolios using industry funds and the returns have done quite well to date.

Even so, there are many clients who just love running a SMSF and so our business needs to cater to those with and without a SMSF. I felt that as an accountant and financial advisor, who also has SMSF financial planning qualifications, that there would be a conflict of interest to do both the tax returns and provide financial planning advice in this space. It made sense to find another financial planner who specialised in this area. As such, I asked Erryn Langley to join the Find Group of companies so that any conflicts of interest would be removed and there would be two sets of eyes on the SMSF accounts, adding extra protection to our SMSF clients.

AGED CARE

Erryn Langley specialises in providing financial advice to trustees who own and operate their own SMSF. I liked what Erryn did so much that I convinced her to join my business so that I could concentrate on the tax side of the business when it comes to SMSF, and Erryn could do her magic on the financial planning side of things. Erryn has a great rapport with her clients and looks beyond just investments. She prides herself on being on top of all the regulations and implementing strategies that benefit the clients now and in the future.

We work well together.

So, if you are not ready to let go of your SMSF but realise that you might need some help managing it, then Erryn might be an option for you until it becomes all too difficult or your situation changes that having a SMSF is not a realistic option anymore.

Even so, we still would encourage trustees to review their retirement strategy at least every three years. As part of your review, we encourage you to at least know what steps you may need to take if you ever find yourself needing to close down the SMSF. It is better to be informed now rather than feeling overwhelmed later on.

Feel free to reach out to Find Retirement, Find Wealth or Find Accountant if you need help with your SMSF.

SEPTEMBER 2024 Warren Strybosch

Award winning Financial Adviser and Accountant

Part of the Find Group of Companies

Financial Planning, SMSF, Super, Insurance, PreRetirement & Retirement Planning (Financial Planning) are offered via Find Wealth Pty Ltd ACN 140 585 075 t/a Find Wealth, Find Insurance and Find Retirement. Find Wealth Pty Ltd is a Corporate Authorised Representative (No 468091) of Alliance Wealth Pty Ltd ABN 93 161 647 007 (AFSL No. 449221).Part of the Centrepoint Alliance group (www.centrepointalliance.com.au/fsg/aw).

Warren Strybosch Authorised Representative (No. 468091) of Alliance Wealth Pty Ltd.

Erryn Langley Authorised Representative (No. 1269525) This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.

Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date.

As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.

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 DECEMBER 2024 | FIND MAROONDAH

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24 FIND MAROONDAH |DECEMBER 2024

findmaroondah.com.au PROFESSIONAL SERVICES

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

Here are the steps involved: 1. Email to info@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 • Architect ------------------------------ 00 • Find Accountant ----------------- 34 • Financial Planning ------------- 36 • Find Insurance -------------------- 35 • Bookkeeping ---------------------- 00 • Editor|Copywriter --------------- 00 • General Insurance ------------- 35 • Life Coach --------------------------- 36 • Mortgage Brokering ----------- 36 • Signages ------------------------------ 00 • Solicitor/Lawyer ------------------ 35

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

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

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

139 x 96 mm - 1/4 Page Portrait

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

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DECEMBER 2024 | FIND MAROONDAH PROFESSIONAL SERVICES25

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Australia’s Trusted Height Safety Insurance Brokers

CRAIG ANDERSON

ABN: 26689211803

GENERAL INSURANCE

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

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

General Insurance We specialise in the following: • Biz Pack Insurance • Landlord Insurance • Public Liability Insurance • Professional Indemnity Insurance.

We DO NOT provide advice or quotes for the following (you need to go direct and save): • Car Insurance • Home & Contents • Caravan • eBikes

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

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

Visit us Here

Mercantile Legal are a unique Commercial Law firm practising in all states of Australia, with offices in Melbourne, Sydney and Brisbane.

SERVICES

CONTACT US

• Debt Recovery

• Family Law

MELBOURNE OFFICE

• Litigation

• Contracts

Australia | 03 9098 8750

• Insolvency

• Will and Estates

Sydney Office

• Property Law

• Intellectual Property

Sydney, Australia | 02 9211 9980

• Restructuring

• Compliance and Governance

Level 40, 140 William Street, Melbourne,

MLC Centre, Level 57, 19-29 Martin Place, Brisbane Office Astor Centre, Level 11, 445 Upper Edward Street, Spring Hill, Australia | 0422 114 300

DECEMBER 2024 | FIND MAROONDAH

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26 FIND MAROONDAH |DECEMBER 2024

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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

248 Wonga Road, Warranwood VIC 3134

www.findinsurance.com.au

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

INDEX LOCAL TRADIES SERVICES • Coffee Machine Machine -- 00 • Garage Doors ---------------------- 00 • Builder ----------------------------------- 00 • Electrician ----------------------------- 00 • Painter ----------------------------------- 00 • Plasterer -------------------------------- 00 • Property Maintenance ------- 00

ADVERTISE HERE

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DECEMBER 2024 | FIND MAROONDAH PROFESSIONAL SERVICES27

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

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FIRST HOME BUYERS

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INVESTMENT LOAN

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COMMERCIAL LOANS

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STANDARD VARIABLE & FIXED RATE LOANS

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HONEYMOON LOANS

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BRIDGING LOANS

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INSURANCE

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DEVELOPMENT FINANCE

Get the Morthgage You Deserve reece@shlfinance.com.au 0478 021 757

REECE DROSCHER MORTGAGE BROKERING

www.shlfinance.com.au 2/3 Ringwood Street, Ringwood VIC Australia 3136

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

Areas of Expertise

Contact Details

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WHS/ OHS

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Manufacturing

mfelton@beaumontlawyers.com.au

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Regulatory Compliance

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Safe Working Practices

www.thebeaumontgroup.com.au/lawyers/

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Succession Planning

PO Box 61, Mooroolbark VIC 3138

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Business Management

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Operations

03 9727 1376

MARK FELTON OCCUPATIONAL HEALTH & SAFETY

As your financial adviser, I am passionate about providing quality advice and solutions personalised to your needs. I commenced my career as a financial adviser in 2018 and became an authorised representative of Alliance Wealth Pty Ltd on 13 December 2021.

I am Authorised To Provide The Following Financial Services: •

Superannuation and Retirement Planning

Other Financial Planning Services

•

Wealth Creation and Investments

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Budgeting and Cashflow Management

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Wealth Protection

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Debt Management

703 Whitehorse Road, Mitcham VIC 3132

03 9872 5455

admin@findwealth.com.au

DECEMBER 2024 | FIND MAROONDAH

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DECEMBER 2024 findmaroondah.com.au

28 FIND MAROONDAH |DECEMBER 2024

Bring on the Joy! This year, we’re celebrating those who go above and beyond to bring the joy—our very own joybringers. Let’s honour the ones who light up our lives and inspire us to spread the festive spirit!

Join us at Eastland for everything you need to make this Christmas a joyous one.

Discover more

Santa Claus has landed at Eastland and is photo-ready to take pictures with you and the whole family!

Make a joyful memory for years to come.

Whether it's a solo pic, family photo, your baby (or fur babies) first Christmas, we've got Santa photography sessions to suit everyone. Find your session below. Bookings are essential.

Discover more

Sussan

Discover more

As a leading Australian women's fashion retailer, Sussan is best recognised for its high level of quality and design. Consistently delivering fabulous fashion; the gorgeous collections which are inspired and interpreted from international trends, feature clothing, sleepwear, maternity, accessories and seasonal gifts

Alterations Plus Dressmaking Alterations Plus Dressmaking are a specialist tailor and dressmaker who come with the skill and experience to satisfy all your clothing desires.

Discover more

PAGES

LOCAL TRADIES | HOME & GARDEN

TRADIES - FREE ADVERTISING Are you a Tradie?

Need referrals?

Consider joining the Find Maroondah Network group.

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au *Available until your category is taken when a Tradie joins the Find Network Team.

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

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Gutter Protection ------------------ 38 • Specialist Tree Services ------- 00 • Interior Design ---------------------- 00 • Mowing --------------------------------- 00 • Building Inspection -------------- 00 • Nursery ---------------------------------- 00 • Flooring --------------------------------- 00

DECEMBER 2024 | FIND MAROONDAH

29

HEALTH & BEAUTY

PAGES

BUSINESSES

Do you provide Health and Beauty services in the Maroondah region?

Contact Warren for all of your Advertising needs.

Warren Strybosch 1300 88 3830 editor@findmaroondah.com.au

INDEX PROFESSIONAL SERVICES • Lactation Consultant ----------- 39 • Swen Pouches ---------------------- 40 • Hair Dresser --------------------------- 00 • Chiropractor ------------------------- 00 • Beauty Therapy -------------------- 00 • Gym --------------------------------------- 00 • Massage Therapy ---------------- 00

DR JOANNA STRYBOSCH ADVANCED PAEDIATRIC OSTEOPATH & LACTATION CONSULTANT

The Melbourne Therapy Centre

PROVIDING PERSONAL & CARING SUPPORT

221 Wonga Road Warranwood VIC 3134 Phone: +61 3 98 76 3011 Mobile: +61 400 049 410 joanna@osteolc.com.au | www.osteolc.com.au

FOR YOU & YOUR BABY

OSTEOPATHY

LACTATION CONSULTING

Osteopathy in Australia is a government registered, allied health profession. Osteopaths focus on improving the function of the neuro-musculoskeletal system (bones, muscles, nerves and connective tissues) to optimise health and well-being.

IBCLC lactation consultants are recognised around the world as the experts in lactation care. They provide evidencebased knowledge to assist mothers to establish and maintain breastfeeding. As professionals, they are charged with promoting, protecting and supporting breastfeeding.

Joanna is highly qualified and experienced in the osteopathic assessment and treatment of babies and infants.

Joanna can help with a broad range of lactation consulting services, including: •

She can assist with the following assessments: • • • •

Gross motor development (milestones) Primitive reflexes Tongue function and it’s relation to sucking skills Biomechanics of the jaw and mouth

LEARN MORE

• • • •

Teaching a new mum how to hold and position her baby to breastfeed Assess the suck, swallow and breathing of an infant Assess for tongue function and determine any evidence of restriction (tongue tie) Pre and post-frenectomy breastfeeding support Help increase or decrease milk supply

LEARN MORE

PAGES

HEALTH & BEAUTY

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

DECEMBER 2024 | FIND MAROONDAH

31

SPORTS DECEMBER 2024 EDITION

FREE ADVERTISING

FOR YOUR SPORTING CLUBS In-Kind Sponsorship with Find Maroondah Community Paper We invite a representative from each sporting club to submit team selections, results and any interesting stories relating to your club/sports.

For more information

contact Warren on

1300 88 38 30 editor@findmaroondah.com.au

SPORTS

DECEMBER 2024 EDITION

Women's Training Wednesday

Seeking Senior Women's Coach

An informal training session for women's senior football will be held this Wednesday at Peter Verges Reserve at 5-6pm. Our 18 girls are training same time and place.

Details of additional training sessions to follow asap.

Norwood Football Netball Club is excited to announce the search for a Senior Women's Coach for our re-established Women's Program in 2025. This is a fantastic opportunity to lead a passionate group of players, supported by a strong pathway of junior girls eager to develop and progress through the ranks.

We are looking for a coach who is dedicated, strategic, and ready to build on the foundation we've set.

If you have the vision and commitment to lead the future of women's football at Norwood, we would love to hear from you.

Send all queries and applications to norwood@efnl.org.au DECEMBER 2024 | FIND MAROONDAH

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SPORTS

DECEMBER 2024 EDITION

Eastfield Cricket Club

Our girls looked great today in their new playing tops!

Thanks to our sponsors Jelmac Directional Drilling and Hairhouse Warehouse Forest Hill for helping our girls have their own kit!

Also thanks to XLR8 Sports Apparel for bringing them to life.

Ringwood Bowls Club Inc.

Another great turnout for barefoot bowls tonight at Ringwood Bowls Club Inc. thanks to the ladies at Pinemont preschool pictured here all here enjoying the night.

If you want something different to do on a Wednesday night come down and try barefoot bowls from 6pm till late. Ring the club for large bookings. Beer, bbq and a few laughs are guaranteed.

The club is available to hire as a venue also limited availabilities up till Christmas so ring the club if you need us to host your next event.

Ringwood Bowls Club was absolutely thrilled to be able to host the Bendigo Banks Community AGM lastnight.

RBC Life member Liz Bower was there, representing the club and accepting our grant from Bendigo Bank. She spoke amazingly in front of a room of over 100 distinguished guests from our great community.

In Liz’s words: ‘This is a win win situation for both Bendigo Bank and RBC. We will utilise this money to continue promoting the community bank- Bendigo Bank’

DECEMBER 2024

FREE ADVERTISING Religious Groups and Churches Services Times Public Notices

Maroondah 1300 88 38 30 editor@findmaroondah.com.au

DECEMBER 2024 | FIND MAROONDAH

35

Religious Groups and Churches

Do you have an upcoming events?

Place your EVENT AD here for FREE in our community online paper.

SEND US YOUR NEWS! Simply upload your ad at www.findmaroondah.com.au/nfp-free-advertising

or you can email the ad to the editor@findmaroondah.com.au and we will do the rest for you.

Hope City Church Croydon Hills Baptist Church

About us Hope City is a community partnering with Jesus to see His Church grow and

Pastoral Team Senior pastor - Andrew Harris Karen Pastor - Moo Hei NextGen Pastor - Matt Moran Worship Pastor - Leah McCormack

Services

to see people encounter God’s presence and be transformed by His Spirit

• English Sunday 10am

and Word. We look to empower every believer in God’s purpose for their

• Karen Sunday 1pm

life so that the 7 Mountains of society will be impacted by God’s kingdom.

• English Sunday 6pm

We see a Church where every person experiences the goodness of God in

Transform Pastor - Ben Dickson

their lives through energetic praise and intimate worship.

Community Engagement - Gitta Clayton Children's Co-Ordinator - Meagan Dickson Youth Co-Ordinator - Mat Weller

6 Bemboka Rd, Croydon Hills VIC 3136, Australia +61 39876 4503 | 0405 507 118

Our Online Services Sunday 10am and 6pm

51 Lusher Rd, Croydon VIC 3136 +61 39761 6778

Religious Groups and Churches

Ringwood Church of Christ is a community of believers that love God, love others and love our community. Our services and ministries reflect a wide and generous orthodoxy, and involve people from all walks of life. We seek to live out the gospel in the city of Maroondah in practical and transformational ways.

Ringwood Church of Christ

Services 10 AM Sundays – main worship service Also streaming on Facebook Live

13 Bedford Rd, Ringwood VIC 3134 +61 39870 8169

Canterbury Gardens Community Church Our Mission Why do we exist?

We are a church that desires to be Jesus CENTERED (Galatians 2:20), to DISCIPLE (Ephesians 4:16) each other to love God and others and deploy every follower of Jesus to be on MISSION (Acts 1:8) wherever He has placed us.

Services 9:00AM service and 10:30AM family service Night service monthly 5pm

281-283 Colchester Rd, Kilsyth South VIC 3137

www.ringwoodchurch.org.au

+61 39720 7121

RINGWOOD COMMUNITY CHURCH CROYDON HILLS & WONGA PARK ANGLICAN CHURCH

Connecting People With God And One Another Services: •

9am Service at St Marks Wonga Park, cnr of Toppings Rd and Yarra Rd Wonga Park

•

Connecting People With God And One Another Services: Sunday 10 AM

Livestreamed: myrcc.co/live Activities for all - children, youth, families, adults, senior

10:39 am at St James Croydon Hills , 21-23 Bemboka

1 Tamar St, Ringwood VIC, 3136

Rd Croydon hills

(03) 9870 0102

0417679682 (03) 9876 2600 DECEMBER 2024 | FIND MAROONDAH

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Birth, Deaths & Marriages DECEMBER 2024

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

SEND US YOUR NEWS! Maroondah 1300 88 38 30 editor@findmaroondah.com.au

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WARREN STRYBOSCH EMAIL

warren@emailsample.com.au PHONE

0412 345 678

FREE ADVERTISING Religious Groups and Churches

Send us your: Services Times

Public Notices

Simply upload your information at www.findmaroondah.com.au/nfp-free-advertising

or you can email the ad to the editor@findmaroondah.com.au and we will do

the rest for you.

www.findmaroondah.com.au